Terms of Service

This document is provided for general informational purposes and reflects the version in force as of its effective date. The version published on BOONKA’s official channels prevails in the event of any discrepancy.

الديباجة

The purpose of these General Terms of Use (hereinafter the "Terms" or "GTU") is to define the conditions under which users access and use the services offered by BOONKA, through its website, its mobile application and any other digital interface developed under the BOONKA brand.

BOONKA is a technology platform whose purpose is to facilitate access to digital services and payment solutions for individuals, merchants, businesses, associations and institutions.

As part of its activities, BOONKA makes available technical solutions enabling the initiation, transmission, tracking and management of certain financial operations.

Payment, collection, settlement, safekeeping of funds, clearing, funds transfer and any other regulated financial operation are carried out exclusively by banks, financial institutions, payment service providers or any other duly licensed partner organisation, in accordance with applicable legislation and regulations.

BOONKA acts exclusively as a provider of technology solutions, unless it subsequently obtains the regulatory authorisations allowing it to provide certain financial services directly.

These Terms constitute a contract between BOONKA and any user of the platform. They define the rights and obligations of each party.

Any use of BOONKA implies full and unreserved acceptance of these Terms.

Questions relating to the collection and processing of personal data are addressed separately in the BOONKA Privacy Policy, which forms a companion document to these Terms.

Chapter I: General provisions

Article 1: Purpose

The purpose of these Terms is to define the conditions of access, registration and use of the BOONKA application.

They determine in particular:

• the procedures for creating and managing a user account;
• the conditions of use of the services offered;
• the rights and obligations of users;
• the rights and obligations of BOONKA;
• the applicable security rules;
• the conditions under which operations are processed;
• the liabilities of the parties;
• the procedures for suspension, termination and dispute resolution.

Article 2: Scope

These Terms apply to any natural or legal person using the services offered by BOONKA.

They govern all services accessible:

• on the BOONKA mobile application;
• through the APIs made available to authorised partners;
• on any other interface operated by BOONKA.

Specific Terms may supplement these Terms for certain services. In the event of conflict, the Specific Terms shall prevail for the service concerned.

Article 3: Acceptance of the Terms

Any person accessing the platform acknowledges having read these Terms.

Creating an account or using a service constitutes full, complete and unreserved acceptance of these Terms.

The user declares that they:

• have the legal capacity to contract;
• act in their own name or hold the powers necessary to represent a legal entity;
• provide accurate, truthful and complete information;
• comply with applicable laws and regulations.

Article 4: Amendment of the Terms

BOONKA may amend these Terms in particular in order to:

• take account of legislative and regulatory developments;
• respond to the requirements of the competent authorities;
• incorporate new services or features;
• improve the security or performance of the platform.

New versions are published on BOONKA’s official channels. Substantial amendments are brought to users' attention by any appropriate means before they take effect, except in cases of urgency relating to a legal obligation or to the security of the platform.

BOONKA also reserves the right to modify, adjust or update the operating parameters of the platform, including limits, security thresholds, processing times, windows for filing complaints or disputes, holding periods, usage limits, fraud detection parameters and any other technical or operational variable necessary for the proper functioning of the services, in order to take account of changes in technical, regulatory or security requirements or in the platform’s operating needs.

Continued use of the services after the new Terms take effect constitutes acceptance of them.

Article 5: Language

These Terms are drafted in French. BOONKA may make available translations in Arabic, English or any other language.

In the event of a discrepancy in interpretation, the French version shall prevail, unless a legal provision states otherwise or unless it is expressly stated that another version is authoritative.

Article 6: Severability

If any provision of these Terms is declared void, unlawful or unenforceable by a court or competent authority, the remaining provisions shall remain fully applicable.

The parties agree to replace the provision concerned with a lawful provision producing effects as close as possible to the original intent.

Article 7: Nature of the services provided by BOONKA

BOONKA is a technology platform facilitating access to digital services and to financial services offered by licensed partners.

BOONKA acts as a technical intermediary between users, merchants and partner institutions.

Payment, debit, credit, collection, settlement, clearing, funds transfer and any other regulated financial operation are executed by the banks, financial institutions, payment service providers or any other duly licensed organisation that has entered into a partnership with BOONKA.

Unless expressly authorised by the competent authorities, BOONKA does not carry on banking activity, is not a payment institution, is not an electronic money institution, and neither receives nor holds users' funds in its own name.

Contractual relationships relating to regulated financial services remain subject to the general terms and conditions of the partner institutions concerned.

Article 8: Independence of services

Services provided by financial partners remain subject to their own contractual terms, pricing and regulatory obligations.

BOONKA shall not be held liable for decisions taken by these partners in the performance of their legal, regulatory or prudential obligations, in particular with regard to identity verification, anti-money laundering, counter-terrorist financing, international financial sanctions or risk management.

Chapter II: Definitions

Article 9: Definitions

For the purposes of these Terms, the following terms, whether used in the singular or the plural, have the following meaning:

• Application: the BOONKA mobile application published by BOONKA and allowing access to the services from a compatible mobile device.
• Authentication: the procedure allowing a user’s identity to be verified before access to their account or validation of an operation.
• Strong Authentication: a security mechanism based on the use of at least two independent authentication factors (knowledge, possession or biometrics), where applicable regulations or financial partners so require.
• BOONKA: the company publishing the BOONKA digital platform, acting as a provider of technology solutions.
• Customer: any natural or legal person using the services offered through the platform.
• Merchant ("Commerçant"): any natural or legal person, duly authorised to carry on their activity, who accepts the payment solutions offered through BOONKA for the collection of payment for goods or services.
• Operational Link: a relationship recorded in BOONKA’s systems between a Principal Partner and an Affiliated Partner, created after BOONKA has validated the affiliation of the partner, in order to organise the partner network and ensure the traceability of operations carried out in that framework.
• Principal Partner: a partner authorised by BOONKA to develop a network of affiliated partners and to propose their affiliation to its network, subject to BOONKA’s prior validation.
• Affiliated Partner: a partner having accepted these Terms and integrated, after validation by BOONKA, into the network of a Principal Partner in order to carry out the activities authorised to it on the platform.
• Account: the personal space created by a user in order to access the services offered on the platform.
• Business Account: an account intended for companies, merchants, self-employed professionals, associations, public bodies or any other legal entity using BOONKA services in the course of its activity.
• Specific Terms: a contractual document supplementing these Terms for a particular service.
• Personal Data: any information relating to an identified or identifiable natural person, processed in accordance with applicable data protection legislation.
• Credentials: all information allowing secure access to the user’s account, in particular their username, password, PIN code or any other means of authentication.
• API Interface: a programming interface allowing authorised partners to integrate certain BOONKA services into their information systems.
• Business Day: any day on which the partner financial institutions normally carry on their activities, excluding statutory closing days.
• KYC ("Know Your Customer"): all customer identification, verification and due diligence procedures implemented by BOONKA and/or its partners in accordance with legal and regulatory obligations.
• Trader ("Marchand"): a merchant or professional having entered into a contract with BOONKA in order to accept payments made through the platform.
• Payment Instrument: any instrument or process allowing a payment operation to be carried out through a partner institution (bank card, transfer, QR Code, mobile payment or any other authorised means).
• Notification: any communication sent to a user by email, SMS, push notification, postal mail or any other agreed means.
• Operation: any action carried out on the platform, whether financial or not.
• OTP (One-Time Password): a single-use security code allowing an authentication or an operation to be confirmed.
• Partner: any legal entity having entered into an agreement with BOONKA for the supply of services, technologies or other performance.
• Financial Partner: any bank, financial institution, electronic money institution, payment service provider or licensed organisation responsible for executing the financial operations initiated through BOONKA.
• Platform: all digital services operated under the BOONKA brand, including the website, the mobile applications, the API interfaces and any other digital medium.
• QR Code: a graphic code generated or recognised by BOONKA allowing an operation to be initiated or received according to the services available.
• Complaint: any request, contestation or grievance submitted by a user concerning the services offered.
• Service: any feature made available by BOONKA or by a partner through the platform.
• Transaction: any operation initiated by a user through the platform, in particular a payment, a collection, a refund or any other available operation.
• User: any natural or legal person accessing the platform or using the services offered.
• Identity Verification: all checks allowing a user’s identity to be confirmed before access to certain services.

Article 10: Rules of interpretation

Unless otherwise stated:

• terms used in the singular include the plural and vice versa;
• references to a person include both natural persons and legal entities;
• chapter and article headings are inserted for presentation purposes and do not affect the interpretation of these Terms;
• any reference to a law or regulation also covers the texts amending, supplementing or replacing it.

In the event of ambiguity, these Terms shall be interpreted in accordance with Algerian law and the principles of contractual good faith.

Article 11: Hierarchy of contractual documents

Relations between BOONKA and users are governed, in order of priority, by the following documents: 1. The Specific Terms applicable to a given service; 2. These General Terms of Use; 3. The BOONKA Privacy Policy; 4. The specific policies published by BOONKA (security, cookies, fraud prevention, etc.); 5. The contracts entered into between the user and the financial partners for the services falling under their responsibility.

In the event of conflict, the higher-ranking document shall prevail for the service concerned.

Chapter III: Registration, account creation and management

Article 12: Eligibility conditions

Access to the services offered by BOONKA is reserved for natural or legal persons meeting the following conditions.

Natural persons - an individual user must:

• be at least eighteen (18) years of age or have the required legal capacity in accordance with applicable legislation;
• be able to provide proof of identity when requested;
• provide accurate, complete and up-to-date information;
• accept these Terms.

Access to certain services may be subject to additional conditions defined by BOONKA or by the financial partners.

Legal entities - companies, merchants, associations, public bodies and other legal entities must:

• be duly incorporated in accordance with applicable legislation;
• be represented by a duly authorised person;
• provide all documents allowing their legal existence and the identity of their representatives to be verified.

Article 13: Account creation

To access certain services, the user must create a BOONKA account. Upon registration, the user undertakes to:

• provide accurate, truthful and complete information;
• keep this information up to date throughout the period of use of the services;
• not impersonate a third party;
• create only one personal account, unless expressly authorised by BOONKA.

BOONKA reserves the right to refuse to open an account where the conditions set out in these Terms or in the applicable regulations are not met.

Article 14: Identity verification (KYC)

In order to comply with legal, regulatory and contractual obligations, BOONKA and/or the financial partners may implement identity verification procedures ("Know Your Customer" or KYC).

Depending on the nature of the services used, the user may be asked to provide in particular:

• a valid identity document;
• proof of address where required;
• a photograph or a biometric verification;
• any additional document necessary to verify their identity or their activity.

The user is required to provide a recent profile photograph that accurately represents their face and corresponds to the person who underwent the identity verification (KYC) procedure, where applicable. It is prohibited to use the photograph of a third party, an avatar, a logo or any image likely to mislead as to the identity of the account holder.

BOONKA may at any time request that this photograph be updated or replaced and may suspend access to all or part of the services in the event of non-compliance.

For legal entities, additional documents may be requested, in particular:

• an extract from the commercial register or any equivalent document;
• the articles of association;
• identification documents for the legal representatives;
• information relating to beneficial owners where required by regulation.

Verifications may be carried out directly by BOONKA or by the financial partners responsible for providing the regulated services.

Legal entities, in particular companies, associations and other organisations, must use the official logo of their entity where one exists. In the absence of a logo, a representative image or any other graphic element authorised by BOONKA may be used.

The logo or image must not infringe the rights of third parties, be misleading or contrary to these Terms. BOONKA may request that it be updated, replaced or removed in the event of non-compliance.

Article 15: Accuracy of information

The user warrants that all information provided is accurate, truthful and up to date. The user undertakes to inform BOONKA, as soon as possible, of any change concerning in particular:

• their identity;
• their address;
• their contact details;
• their legal status;
• any element likely to affect the use of the services.

BOONKA may suspend access to certain services until the necessary information has been updated.

Article 16: Account security

Each user is responsible for the confidentiality of their credentials, passwords, security codes and authentication means. The user undertakes in particular to:

• choose a sufficiently strong password;
• never disclose their credentials to a third party;
• protect their mobile phone and connection devices;
• log out after each use when using shared equipment.

Any operation carried out using the user’s credentials is deemed to have been carried out by that user, unless fraudulent use is proven and has been duly reported.

Article 17: Compromised credentials

In the event of loss, theft, disclosure or suspected fraudulent use of their credentials, the user undertakes to:

• immediately change their password where they are able to do so;
• inform BOONKA without delay;
• follow the security procedures communicated to them.

BOONKA may temporarily suspend the account in order to protect the user and the platform.

Article 18: Suspension or refusal to open an account

BOONKA may refuse to open an account, or suspend or restrict its use, in particular where:

• the information provided is inaccurate, incomplete or misleading;
• the supporting documents are insufficient;
• the identity verification procedures cannot be completed;
• there is a suspicion of fraud, money laundering, terrorist financing or any other unlawful activity;
• a legal obligation or a decision of a competent authority so requires;
• a financial partner refuses to provide the service concerned in accordance with its regulatory obligations.

Where the law permits, BOONKA informs the user of the reasons for its decision.

Article 19: Account closure by the user

The user may request the closure of their account at any time, subject to:

• completion of operations in progress;
• settlement of any amounts due;
• compliance with legal data retention obligations.

Closure of the account does not affect rights and obligations arising before that closure.

Article 20: Data retention after closure

After the account is closed, BOONKA may retain certain data for the period provided for by applicable legislation or where such retention is necessary:

• to comply with legal and regulatory obligations;
• to prevent fraud;
• to exercise or defend legal rights;
• to perform contractual obligations that remain in force.

Data is retained under conditions guaranteeing its confidentiality and security. Further detail on data retention is set out in the BOONKA Privacy Policy.

Article 21: Application programming interfaces (API) and test environment (Sandbox)

In order to facilitate the integration of its services, BOONKA may make available to partners, merchants, developers and other authorised users application programming interfaces ("APIs") allowing interaction with the platform’s features.

Access to the APIs is subject to these Terms, to the applicable Specific Terms, and to the technical documentation published by BOONKA.

Before the applicable verification procedures are fully validated, in particular the Know Your Business (KYB) procedure for legal entities, BOONKA may grant access to a test environment ("Sandbox") intended exclusively for development, integration and technical testing.

The Sandbox environment reproduces the main features of the platform without allowing real financial operations to be executed. The data, operations and results generated in this environment are simulated and produce no legal, financial or accounting effect.

The authorised user undertakes to use the Sandbox environment solely for development and testing purposes. In particular, the user is prohibited from:

• carrying out real financial operations;
• using real payment instruments where this is not expressly authorised by BOONKA;
• processing real personal data or real payment data outside cases strictly necessary for authorised testing and in compliance with applicable regulations;
• using the Sandbox environment for fraudulent or commercial purposes or for purposes contrary to its intended use.

BOONKA may at any time limit, suspend or withdraw access to the APIs or to the Sandbox environment, in particular in the event of non-compliance with these Terms, risk to the security of the platform, failure to validate compliance procedures, or technical, regulatory or operational necessity.

The technical arrangements for using the APIs, the security requirements, the usage limits ("rate limiting"), the authentication mechanisms, and the rules applicable to the Sandbox environment are set out in the technical documentation and the specific conditions published by BOONKA, which form an integral part of the applicable contractual framework.

Article 22: Access to the test environment (Sandbox)

Before the business verification procedure (KYB) is definitively validated, BOONKA may make available to the merchant a test environment ("Sandbox") intended exclusively for technical integration and for testing the application programming interfaces (APIs).

This environment reproduces the main features of the platform without allowing real financial operations to be executed.

The merchant shall refrain in particular from:

• using real customer personal data where this is not necessary for testing;
• using real payment instruments;
• attempting to carry out actual financial operations in the Sandbox environment;
• using the test environment for purposes other than development, integration or technical testing.

Any misuse of the Sandbox may result in its immediate suspension.

Chapter IV: Services offered by BOONKA

Article 23: Presentation of the services

BOONKA is a technology platform allowing users to access, securely, digital services and financial services offered directly by BOONKA or through its partners.

The features available may vary depending on:

• the user’s profile (individual or business);
• the country of use;
• the applicable regulations;
• the agreements entered into with BOONKA’s partners.

BOONKA reserves the right to add, modify, suspend or remove all or part of the services offered in order to respond to technical, commercial or regulatory developments.

Article 24: Services for individuals

Subject to availability, individual users may access in particular the following services:

• viewing their BOONKA account;
• initiating payments to partner merchants;
• payment by QR Code;
• online payment on partner merchant websites;
• settlement of bills or services available on the platform;
• viewing operation history;
• receiving notifications relating to operations carried out;
• access to any other service subsequently offered.

The availability of each service depends in particular on the partnerships entered into by BOONKA and on the applicable regulatory authorisations.

Article 25: Services for businesses

Businesses may benefit in particular from the following services:

• acceptance of electronic payments;
• generation of payment QR Codes;
• generation of secure payment links;
• dashboard for tracking operations;
• access to transaction history;
• accounting reconciliation of collections;
• statistical and reporting tools;
• API integration services;
• any other business service developed by BOONKA.

Certain services may be subject to the signature of a specific contract between BOONKA and the business concerned.

Article 26: Payment services

The payment services accessible through BOONKA are executed exclusively by the banks, financial institutions, payment service providers or any other licensed partner having entered into a partnership with BOONKA.

BOONKA provides the technology infrastructure allowing:

• the initiation of operations;
• the secure transmission of payment requests;
• the tracking of operations;
• the return of information to users.

BOONKA does not itself execute payment operations, unless it obtains the necessary regulatory authorisations.

Article 27: Payment by QR Code

BOONKA may allow payment by means of a QR Code generated in accordance with the technical standards adopted by its partners. The QR Code may allow in particular:

• identification of the merchant;
• transmission of the information necessary for the operation;
• secure initiation of a payment.

The financial processing of the operation is carried out by the financial partner concerned.

Article 28: Online payment

BOONKA may allow users to make payments on the websites or applications of partner merchants. Operations are executed in accordance with the security procedures implemented by the financial partners.

BOONKA does not guarantee the permanent availability of the services offered by merchants or partner institutions.

Article 29: Proximity payment

Where this feature is available, BOONKA may allow proximity payment in particular through:

• QR Code;
• NFC technology;
• secure link;
• or any other compatible process.

The technical arrangements may vary depending on the equipment used and on the financial partners.

Article 30: Bill payment

BOONKA may allow the payment of bills issued by partner public or private organisations. The user remains responsible for:

• the accuracy of the references entered;
• the amount paid;
• verification of the information before validation.

BOONKA cannot be held liable for errors resulting from inaccurate information provided by the user.

Article 31: Integration with partners

BOONKA may connect its platform to the information systems of banks, financial institutions, public bodies, companies or other partners in order to allow access to certain services. These integrations are carried out in accordance with applicable security requirements and regulatory obligations.

Article 32: Availability of services

BOONKA uses all reasonable means to ensure the availability of its services. However, access to the platform may be temporarily interrupted in particular due to:

• maintenance operations;
• technical updates;
• security incidents;
• unavailability of partners;
• force majeure;
• a decision of a competent authority.

BOONKA may:

• deactivate certain features;
• suspend the APIs;
• suspend registrations;
• suspend the transaction security service;
• suspend certain services,

where a security incident, a critical failure, a cyberattack or the failure of a service provider so requires.

These interruptions do not give rise to any compensation, unless a mandatory legal provision states otherwise.

Article 33: Development of the services

BOONKA may develop its features in order to improve the user experience, strengthen security or comply with regulatory developments. Certain features may be added, modified, replaced or withdrawn.

Users will be informed where such changes have a significant impact on the use of the services.

Article 34: Services provided by partners

Certain services accessible through BOONKA are provided directly by partners. In such cases:

• the partners remain responsible for the services they provide;
• their own general terms and conditions may apply;
• BOONKA acts solely as an access platform or technical intermediary, unless stated otherwise.

Use of these services may require acceptance of the contractual terms of the partner concerned.

Chapter V: Role of BOONKA and of the financial partners

Article 35: General principle

BOONKA is a technology platform that develops, operates and makes available digital solutions facilitating access to payment services and to other financial services offered by licensed partners.

BOONKA is not a banking institution, a payment institution or an electronic money institution, unless expressly authorised by the competent authorities.

The regulated financial operations accessible through the platform are executed by the financial partners in accordance with the legislation in force.

Article 36: Role of BOONKA

BOONKA is responsible in particular for:

• the development and operation of the digital platform;
• making the mobile application available;
• the management of user accounts on the platform;
• securing access and electronic exchanges;
• the secure transmission of operation requests to the financial partners;
• making available the tools intended for merchants;
• the technical tracking of operations initiated through the platform;
• the support service relating to the use of the platform.

BOONKA acts exclusively as a provider of technology solutions and carries out no regulated financial operation requiring a licence, unless such a licence is subsequently granted to it.

Article 37: Role of the financial partners

The financial partners are solely responsible for the operations falling within their licences and authorisations, in particular:

• the opening and management of payment accounts, where this service is offered;
• the authorisation of payment operations;
• the processing, execution and settlement of payments;
• the safekeeping of funds;
• clearing and interbank settlement operations;
• the handling of payment refusals;
• the implementation of regulatory controls;
• compliance with the prudential and security obligations applicable to them.

The financial partners remain solely responsible for the decisions they take in the performance of their legal or regulatory obligations.

Article 38: Allocation of responsibilities

BOONKA is responsible for:

• the proper functioning of the platform, subject to maintenance operations, force majeure and unavailability attributable to third parties;
• the security of the information systems under its control;
• the confidentiality of the data processed in the course of its activities;
• the transmission of operation requests to the financial partners.

The financial partners are responsible for:

• the execution of financial operations;
• the availability of their infrastructure;
• the management of the accounts and payment instruments they issue;
• decisions to authorise or refuse operations;
• the safekeeping of funds;
• compliance with their regulatory obligations.

Article 39: Refusal of an operation

A financial partner may refuse to execute an operation in particular:

• in the event of insufficient funds;
• where an operation appears fraudulent;
• where a legal or regulatory obligation so requires;
• where a limit is exceeded;
• where an anomaly is detected.

To the extent permitted by regulation, the user is informed of the refusal or of the reason for it. BOONKA shall not be held liable for a refusal of an operation decided by a financial partner in accordance with applicable regulations.

Article 40: Liability of merchants

Merchants using BOONKA remain solely responsible for:

• the goods or services marketed;
• the information provided to customers;
• their tax, social security and accounting obligations;
• compliance with the regulations applicable to their activity.

BOONKA cannot be held liable for the quality, conformity, delivery or performance of the services provided by a merchant. Cash handled by merchants, kiosks or partners remains under their sole responsibility. BOONKA manages digital flows only.

Article 41: Contractual relationships with partners

Access to certain services may require the conclusion of a separate contract between the user and a financial partner. The pricing terms, the arrangements for executing operations, the limits, the processing times and the refund conditions applicable to these services fall under the contracts entered into with the partners concerned.

By using these services, the user acknowledges that certain services are provided under the exclusive responsibility of the financial partners.

Article 42: Partner network and traceability

As part of the organisation of its partner network, BOONKA allows a Principal Partner to propose the affiliation of one or more partners to its network.

The affiliation of a partner is subject to that partner’s acceptance of these Terms and to BOONKA’s prior validation. After validation, BOONKA creates an Operational Link between the Principal Partner and the Affiliated Partner in its information systems.

Any creation, modification or deletion of an Operational Link, as well as internal liquidity transfers carried out between partners in the operation of the network, are recorded and retained in order to ensure the traceability of operations, to satisfy audit, security and regulatory compliance requirements and, where applicable, to respond to requests from the competent authorities.

BOONKA ensures the tracking of digital flows within the platform only. The handling, collection, deposit or safekeeping of cash by Principal Partners, Affiliated Partners, merchants, points of sale, kiosks or any other partner remains entirely under their responsibility and falls neither within BOONKA’s operational scope nor within its liability.

This information is retained in order to ensure the traceability of operations, to satisfy security, audit and regulatory compliance requirements, and may be communicated to the competent authorities where applicable legislation or regulation so requires.

Chapter VI: User obligations and undertakings

Article 43: General principle

The user undertakes to use the BOONKA platform fairly, responsibly, in accordance with these Terms and in compliance with applicable legislation.

The user shall refrain from any use likely to harm the rights of BOONKA, its partners, merchants, other users or any third party.

Article 44: Accuracy of information

The user warrants that all information provided to BOONKA is accurate, complete, truthful and regularly updated. The user undertakes to inform BOONKA as soon as possible of any change concerning in particular:

• their identity;
• their contact details;
• their professional situation;
• their activity, where they use a business account;
• any information likely to have an impact on the use of the services.

The user remains solely responsible for the consequences of providing inaccurate or incomplete information.

Article 45: Confidentiality of credentials

The user is solely responsible for the safekeeping and confidentiality of their credentials, passwords, security codes and authentication devices. The user undertakes in particular to:

• never disclose their credentials to a third party;
• choose a strong password;
• secure their mobile phone and computer equipment;
• log out after each use on a shared device.

Any operation carried out using the user’s credentials is presumed to have been authorised by that user, unless proven otherwise or reported without delay.

Article 46: Prohibited uses

It is strictly prohibited to use BOONKA in order to:

• commit fraud or attempt fraud;
• impersonate a third party;
• use false documents;
• circumvent the platform’s security measures;
• distribute malware or any other program intended to compromise the operation of the systems;
• infringe the intellectual property rights of BOONKA or its partners;
• carry out money laundering or terrorist financing operations;
• finance unlawful activities or activities prohibited by law;
• carry out operations contrary to applicable sanctions or embargoes;
• use the platform in a manner likely to disrupt its operation or that of the partners.

Any breach of this article may result in the immediate suspension or closure of the account, without prejudice to any civil or criminal action that may be brought.

Article 47: Merchant obligations

Merchants using BOONKA undertake in particular to:

• carry on their activity in compliance with applicable laws and regulations;
• provide accurate information about their products and services;
• honour the orders and services offered;
• respect consumer rights;
• cooperate with BOONKA and the financial partners in the context of compliance checks;
• retain supporting documents for operations where required by regulation.

The merchant remains solely responsible for the calculation, collection, declaration and remittance of applicable taxes, as well as for its tax, social security, accounting and regulatory obligations.

The communication of the Tax Identification Number (NIF) to BOONKA takes place exclusively in the context of verification, identification and regulatory compliance obligations. BOONKA acts exclusively as a provider of digital services and technology infrastructure and provides no tax or accounting advisory services.

Article 48: Cooperation with BOONKA

The user undertakes to cooperate in good faith with BOONKA where a verification is necessary, in particular in the context of a request to update information, a KYC procedure, a security check, a complaint, or an investigation relating to a suspicious operation.

Refusal to cooperate may result in the limitation or suspension of certain services, in compliance with applicable regulations.

Article 49: Reporting of incidents

The user undertakes to inform BOONKA as soon as possible of any event likely to affect the security or proper functioning of their account, in particular the loss or theft of their device, the compromise of their credentials, an unauthorised operation, an attempted fraud, or any anomaly observed while using the services.

BOONKA may take any appropriate measure to protect the account and the interests of the user.

Article 50: Sanctions in the event of breach

In the event of non-compliance with these Terms, BOONKA may, depending on the seriousness of the facts and subject to applicable legal obligations:

• issue a warning;
• request additional information or documents;
• temporarily suspend access to certain services;
• limit certain features;
• suspend or close the user account;
• terminate the contractual relationship;
• report the facts to the competent authorities where the law so requires.

Without prejudice to the other sanctions provided for in these Terms, BOONKA may take any appropriate measure where a user, a merchant or a partner adopts conduct likely to compromise the security, reliability or proper functioning of the platform, in particular where:

• complaints or disputes are manifestly abusive, fraudulent or brought in bad faith;
• a merchant presents an abnormally high number of disputes resolved in favour of consumers, or a complaint rate incompatible with the expected quality standards;
• a user or a partner attempts to circumvent security, compliance or anti-fraud mechanisms;
• any other breach of these Terms is established.

Where BOONKA operates a referral programme, the rewards or benefits granted may be subject to a holding period, to validation conditions or to any other measure intended to prevent fraud and abusive use.

These measures may be taken without prejudice to any legal action or any claim for compensation for loss suffered.

Chapter VII: Security, compliance and fraud prevention

Article 51: BOONKA’s security commitment

BOONKA implements technical, organisational and operational measures intended to ensure the confidentiality, integrity, availability and traceability of the information processed on the platform. These measures are adapted to the nature of the services offered, to changes in risk, to applicable security standards and to regulatory requirements.

BOONKA endeavours to ensure a high level of security, without being able to guarantee absolute protection against all IT risks.

Article 52: User authentication

In order to secure access to the platform and the carrying out of operations, BOONKA may implement various authentication mechanisms, in particular a username and password, a confidential code (PIN), a one-time password (OTP), biometric authentication where available and authorised, or any other security device deemed necessary.

BOONKA or the financial partners may require enhanced authentication for certain operations.

Article 53: Fraud prevention

BOONKA applies an active policy of fraud prevention, detection and management. In this respect, BOONKA may in particular:

• analyse operations in order to detect abnormal behaviour;
• request additional information or supporting documents;
• temporarily suspend certain operations;
• limit access to certain services;
• block an account where a serious risk is identified.

These measures are implemented in compliance with users' rights and applicable regulations.

Article 54: Anti-money laundering and counter-terrorist financing (AML/CFT)

BOONKA and the financial partners apply the obligations set out in the legislation on anti-money laundering, counter-terrorist financing and, where applicable, countering the financing of the proliferation of weapons of mass destruction.

In this context, BOONKA or its partners may in particular carry out identity verifications, collect information on the origin or destination of funds where required, request any useful supporting document, suspend or refuse an operation in accordance with the regulations, and make the mandatory declarations to the competent authorities.

The user undertakes to cooperate fully with BOONKA and the financial partners in the context of these obligations.

Article 55: Compliance checks

In order to comply with legal and regulatory obligations, BOONKA may carry out, directly or through its partners, checks relating in particular to the identity of the user, the consistency of the operations carried out, the nature of the activities carried on, compliance with applicable limits and restrictions, and any other verification required by regulation.

These checks may take place at any time during the contractual relationship.

Article 56: Freezing, suspension or refusal of operations

Without prejudice to the powers of the competent authorities and of the financial partners, BOONKA may suspend, defer or refuse access to certain services where there is in particular a suspicion of fraud, a suspicion of money laundering or terrorist financing, a use contrary to these Terms, a breach of applicable regulations, a request from a competent authority, or a serious risk to the security of the platform or of its users.

Where regulations permit, the user is informed of the measures taken.

Furthermore, in order to ensure the security of the platform, compliance with applicable regulations and the prevention of fraud, BOONKA may, on an automated basis or after manual review, temporarily freeze certain operations, limit features, suspend an account or refuse an operation where serious indications of fraud, abusive use, non-compliance or breach of these Terms are established.

The measures implemented are proportionate to the nature of the risk identified and may consist in particular of:

• a warning;
• a temporary limitation of certain features;
• the temporary freezing of operations or funds where applicable regulations permit;
• the provisional or permanent suspension of the account;
• any other measure necessary to protect users, partners or BOONKA.

The measures provided for in this article remain applicable for the entire period necessary for the verifications, investigations or compliance obligations.

Article 57: IT security

The user undertakes to take all reasonable measures to protect their computer equipment against security risks, in particular to keep their devices up to date, to use appropriate security software, to protect their access codes, and not to use manifestly unsecured networks to carry out sensitive operations.

BOONKA shall not be held liable for the consequences of a security failure attributable to the user.

Article 58: Device security

In order to protect users against fraud, BOONKA may associate a device with a user account and implement device identification mechanisms.

BOONKA may also carry out technical checks intended to detect breaches of the integrity of the application’s runtime environment and any alteration likely to compromise the security of the services.

These checks are limited to the information strictly necessary to assess the security of the application and are not intended to access the user’s personal files or private content.

Article 59: Reporting of incidents

Any user who observes an anomaly, an attempted fraud, unauthorised access or a suspicious operation must inform BOONKA as soon as possible.

BOONKA makes available to users a support service intended to receive such reports and to implement the appropriate protective measures.

Article 60: Cooperation with the competent authorities

BOONKA cooperates with judicial, administrative and regulatory authorities under the conditions provided for by applicable legislation. In this respect, BOONKA may be required to communicate information, suspend certain services or take any measure required by a court decision or a legal obligation.

Article 61: Traceability of operations

For security, compliance and fraud prevention purposes, BOONKA may retain technical logs, connection histories and operation data for the periods provided for by applicable legislation. This information may be used as evidence under the conditions provided for by law.

Chapter VIII: Execution of operations and liability

Article 62: Initiation of an operation

Any operation initiated by the user through the BOONKA platform is deemed to have been authorised where the user has validated the operation in accordance with the authentication procedures provided for.

Before any validation, the user is required to verify the accuracy of the information relating to the operation, in particular the identity of the beneficiary, the amount of the operation, the currency, where applicable, the reference or purpose of the operation, and any other relevant information.

The user is solely responsible for any input errors they make.

Article 63: Execution of operations

Financial operations initiated through BOONKA are executed by the financial partners in accordance with their internal procedures, their regulatory obligations and the agreements entered into with their customers.

BOONKA ensures the secure transmission of operation instructions but does not guarantee their execution where this falls under the responsibility of a financial partner.

Execution times may vary in particular depending on the opening hours of the partner institutions, regulatory control operations, technical constraints, business days, and interruptions beyond BOONKA’s control.

Article 64: Refusal of an operation

An operation may be refused in particular where the information provided is inaccurate or incomplete, the authentication procedures have not been correctly completed, the security checks reveal an anomaly, the applicable limits are exceeded, the available funds are insufficient, a legal or regulatory obligation requires the refusal, or the financial partner refuses the operation in accordance with its obligations.

Where permitted by regulation, the user is informed of the refusal and, as far as possible, of the reason for it.

Article 65: Cancellation of an operation

Any request to cancel an operation is subject to the rules applicable to the financial partner responsible for executing it. Where the operation has already been executed or has become irrevocable under the applicable regulations, BOONKA cannot guarantee its cancellation.

Article 66: Transaction security service

Where BOONKA makes available a transaction security service, that service applies exclusively to operations declared eligible by the platform, in particular certain transactions carried out between a consumer and a merchant.

The transaction security service consists in allowing, through a competent financial partner, the temporary holding of funds until the conditions provided for their release are met or until a complaint is resolved, in accordance with these Terms.

BOONKA at no time holds, safekeeps or manages the funds, these remaining exclusively the responsibility of the competent financial partner. The temporary holding of funds is carried out exclusively by the competent financial partner, in accordance with applicable regulations. BOONKA acts solely as the provider of the technology solution allowing this service to be implemented and monitored.

Peer-to-peer transfers (P2P), wallet top-up operations, withdrawals and any other operation expressly excluded by BOONKA do not benefit from the transaction security service.

Once the funds are released in accordance with the rules applicable to the transaction security service, the operation is deemed final and irrevocable, subject to the mandatory provisions of applicable legislation.

Where the release of funds depends on a delivery confirmation or any other event reported by a third-party provider, in particular a carrier or logistics partner, BOONKA shall not be held liable for delays, errors, unavailability or inaccurate information attributable to those providers that result in a delay in the release of funds.

Article 67: Unauthorised operations

Any user who identifies an operation that they believe they did not authorise must inform BOONKA as soon as possible in accordance with the procedures made available to them.

BOONKA forwards this information without delay to the financial partner concerned where that partner is responsible for processing the operation. Requests are examined in accordance with applicable regulations and the procedures of the financial partner.

Article 68: Errors attributable to the user

BOONKA cannot be held liable for the consequences resulting in particular from an error in entering the beneficiary, an incorrect amount, incorrect details, a validation carried out inadvertently, or any other error attributable to the user.

The user remains solely responsible for the information they validate before an operation is executed.

Article 69: Availability of the platform

BOONKA uses all reasonable means to ensure the continuity and availability of its services. However, BOONKA shall not be held liable for interruptions resulting in particular from maintenance operations, a failure of telecommunications networks, an incident affecting a partner, force majeure, a cyberattack despite the security measures implemented, or a decision of a competent authority.

In order to ensure the stability, security and integrity of the platform, BOONKA may, at any time and without notice where circumstances so require, deactivate, restrict or temporarily suspend all or part of the services or features of the platform.

These measures may concern in particular access to the application programming interfaces (APIs), the registration of new users, the execution of operations, the transaction security service, certain application features or any other service whose suspension is necessary to prevent or limit a security incident, fraud, a technical failure, a cyberattack, the failure of a service provider or any other situation likely to affect the proper functioning of the platform.

BOONKA will restore the services concerned as soon as the circumstances that justified these measures have ceased.

Article 70: Limitation of BOONKA’s liability

Subject to the mandatory provisions of the law, BOONKA cannot be held liable for decisions taken by the financial partners, the refusal or delayed execution of an operation falling under a partner, service interruptions attributable to third parties, damage resulting from non-compliant use of the platform, or indirect loss, in particular loss of business, loss of revenue, loss of customers, loss of data or damage to reputation.

BOONKA’s liability may only be engaged in the event of fault directly attributable to it.

In particular, BOONKA shall not be held liable for financial loss, loss of business, loss of customers, loss of revenue, loss of data or any other indirect damage resulting from the temporary suspension of a service, a feature, an application programming interface (API), a transaction security mechanism or any security measure implemented in accordance with these Terms.

Article 71: Liability of the financial partners

The financial partners remain solely responsible for the authorisation of operations, the execution of payments, the safekeeping of funds, the management of payment accounts, refunds where these fall to them, and compliance with their prudential and regulatory obligations.

Complaints relating to these services may be handled directly by the partner concerned, in accordance with its internal procedures.

Article 72: Liability of merchants

Merchants are solely responsible for the quality of the goods or services offered, their delivery or performance, their refund policy, and their legal, tax and commercial obligations.

BOONKA cannot be held liable for disputes between a user and a merchant.

Article 73: Force majeure

Neither party may be held liable for a failure to perform its obligations where that failure results from a case of force majeure as defined by applicable legislation or recognised by the competent courts.

The following are in particular likely to constitute cases of force majeure:

• natural disasters;
• armed conflict;
• acts of terrorism;
• riots or civil unrest;
• pandemics;
• widespread failures of communication networks;
• major power outages;
• decisions of public authorities preventing the performance of the services.

The affected party shall inform the other party as soon as possible of the occurrence of the event.

Article 74: Duty to cooperate

In the event of a dispute relating to an operation, the user undertakes to provide BOONKA or the financial partner concerned with all the information necessary to examine their request.

BOONKA and the financial partners undertake to handle requests diligently, in compliance with applicable regulations and their internal procedures.

Chapter IX: Intellectual property

Article 90: Ownership of rights

BOONKA owns or holds the exploitation rights relating to all the elements making up the platform, in particular:

• the name "BOONKA";
• the trademarks, logos and distinctive signs;
• the software and applications;
• the user interfaces;
• the databases;
• the texts, images, illustrations, videos and content;
• the software developments;
• the source code, to the extent that it is not protected by trade secrecy;
• the technical documentation;
• the APIs and tools made available.

These elements are protected by intellectual property law and by any applicable regulation.

Article 91: Licence to use

Subject to compliance with these Terms, BOONKA grants the user a licence that is personal, non-exclusive, non-assignable, non-transferable and revocable.

This licence allows the platform to be used only in accordance with its intended purpose. It confers no ownership right over the elements making up BOONKA.

Article 92: Prohibited uses

Unless expressly authorised in writing in advance by BOONKA, it is prohibited in particular to:

• copy the platform or any part of it;
• reproduce the content;
• modify the software;
• carry out reverse engineering;
• decompile or disassemble all or part of the applications;
• extract or reuse the databases;
• remove intellectual property notices;
• use the BOONKA trademarks without authorisation;
• develop a competing service using BOONKA’s protected elements.

Any unauthorised use may give rise to civil and criminal proceedings.

Article 93: Trademarks

The trademarks, trade names, domain names, logos and distinctive signs used by BOONKA remain the exclusive property of BOONKA or of their respective owners. No right of use is granted to the user beyond those strictly necessary for the normal use of the services.

Article 94: User content

Where a user publishes, transmits or uploads content through the platform, they warrant that they hold the necessary rights, that this content does not infringe the rights of third parties, and that this content complies with applicable legislation. The user remains the owner of their content.

The user nevertheless grants BOONKA a worldwide, non-exclusive, royalty-free licence, limited to the period during which the content is made available, in order to host the content, reproduce it where technically necessary, display it, and transmit it to the partners concerned in order to allow the services to be performed.

This licence ends when the content is deleted, subject to legal retention obligations.

Article 95: Reporting an infringement of rights

Any person who considers that content infringes their intellectual property rights may send a notification to BOONKA together with the necessary supporting evidence.

BOONKA reserves the right to remove any content that is manifestly unlawful or that infringes the rights of a third party.

Article 96: Software and updates

Updates, security patches and new versions of the BOONKA application form an integral part of the platform.

BOONKA may require certain updates where these are necessary in order to ensure the security of users, correct anomalies, improve performance, or comply with regulatory requirements.

The user undertakes to install the necessary updates within a reasonable time.

Article 97: Statistical data

BOONKA may produce anonymised statistics relating to the use of the platform. These statistics do not allow users to be directly identified, may be used to improve the services, and may be communicated to partners or published for analysis, research or communication purposes.

Article 98: Respect for BOONKA’s rights

The user undertakes to respect the intellectual property rights of BOONKA as well as those of the partners and other users.

Any breach may result in immediate suspension of the account, termination of the services, legal proceedings, and a claim for compensation for the loss suffered.

Article 99: Survival of rights

The provisions of this chapter remain applicable after termination or closure of the user account, for as long as the intellectual property rights remain protected by applicable legislation.

Chapter X: Complaints, suspension, termination and dispute resolution

Article 100: Customer Service

BOONKA makes available to users a support service intended to respond to requests for information, questions relating to the use of the platform and complaints.

Users may contact BOONKA using the means of communication indicated on the website or the application. BOONKA endeavours to respond to requests within a reasonable time, having regard to their nature and complexity.

Article 101: Complaint handling procedure

Any complaint relating to the use of the platform or to a service offered by BOONKA must be sent to Customer Service together with all relevant information allowing it to be handled.

The complaint must specify in particular, where applicable, the identity of the user, the date of the operation concerned, the reference of the operation, a detailed description of the facts, and any useful supporting document.

Any complaint relating to an operation carried out on the platform must be sent to BOONKA within a maximum period of thirty (30) calendar days from the date of the operation or, where the operation benefits from an escrow mechanism, from the date of the event giving rise to the right to contest in accordance with the conditions applicable to the service concerned.

The complaint is submitted by one of the means made available by BOONKA and must be sufficiently substantiated, accompanied, where applicable, by any document or supporting evidence useful for its examination.

Upon receipt of the complaint, BOONKA acknowledges receipt by any appropriate means and analyses it as soon as possible.

Where the complaint concerns an operation subject to the escrow mechanism and requires consultation of the parties, BOONKA invites the merchant concerned to submit its observations and any useful supporting evidence within seven (7) calendar days from the notification sent to it. The consumer may, where applicable, respond to these observations within an identical period of seven (7) calendar days.

If the information provided is insufficient, BOONKA may request any additional information or supporting evidence necessary to examine the complaint. In the absence of a response within the time limits set, or where the parties fail to reach an amicable resolution, BOONKA decides on the basis of the information available to it.

Following its analysis, BOONKA notifies its reasoned decision to the parties by any appropriate means.

Where the complaint concerns an operation benefiting from the escrow mechanism, BOONKA implements the measures resulting from its decision, which may consist in particular of the full or partial release of the funds to the merchant, the full or partial return of the funds to the consumer, or any other measure consistent with these Terms and with the characteristics of the operation concerned.

The decision taken under this procedure is implemented as soon as possible, subject to applicable legal, regulatory or technical obligations. This procedure constitutes an internal complaint handling mechanism and does not deprive the parties of their right to refer the matter to the competent authorities or courts in accordance with applicable legislation.

Article 102: Complaints relating to financial partners

Where a complaint concerns the execution of a financial operation carried out by a partner bank, financial institution or payment service provider, BOONKA may forward the complaint to the partner concerned, assist the user in their steps, and provide administrative follow-up on the file.

Handling of the complaint nevertheless remains the responsibility of the financial partner where it relates to a service falling within its licence.

Article 103: Suspension of services

BOONKA may suspend all or part of the services, with or without notice where the situation so requires, in particular in the event of a risk to the security of the platform, in the event of a suspicion of fraud, in the event of non-compliance with these Terms, in the event of unlawful or abusive use, where a legal or regulatory obligation so requires, or where a financial partner suspends the services falling under its responsibility.

Where possible, BOONKA informs the user of the reasons for this suspension.

Article 104: Termination by the user

The user may end their use of BOONKA at any time by requesting the closure of their account in accordance with the arrangements provided for by the platform.

Termination takes effect after the closing of operations in progress, the settlement of any amounts due, and compliance with legal data retention obligations.

Article 105: Termination by BOONKA

BOONKA may terminate all or part of the services offered to a user in particular in the event of a breach of these Terms, in the event of fraud or attempted fraud, in the event of the provision of inaccurate information, in the event of a failure to cooperate in compliance procedures, where a decision of a competent authority so requires, or where continuing the relationship presents a legal, financial or security risk.

Except in cases of urgency or legal prohibition, BOONKA informs the user of this decision.

Article 106: Effects of termination

Termination results in particular in the closure of the BOONKA account, the deactivation of access to the services, the deletion or archiving of data in accordance with legal obligations, and the continuation of obligations arising before termination.

Certain clauses, in particular those relating to confidentiality, intellectual property, liability, legal obligations and dispute resolution, remain applicable after the end of the contractual relationship.

Article 107: Evidentiary value of electronic records

Users acknowledge that the computer logs, electronic records, operation histories, connection data and other technical elements retained by BOONKA or its partners constitute admissible evidence of the operations carried out, unless proven otherwise.

These elements may be used in the context of amicable, judicial or administrative proceedings, in accordance with applicable legislation.

Article 108: Mediation and amicable settlement

In the event of a dispute, the parties undertake to seek an amicable solution as a priority. To this end, the user may send a complaint to BOONKA Customer Service.

Where the dispute falls under a financial partner, BOONKA facilitates, as far as possible, exchanges between the user and the partner concerned.

Recourse to an alternative dispute resolution method may be considered where applicable legislation so provides.

Article 109: Governing law

These Terms are governed by and interpreted in accordance with Algerian law.

Article 110: Competent jurisdiction

Any dispute relating to the interpretation, performance or validity of these Terms falls within the jurisdiction of the territorially competent Algerian courts, unless a mandatory legal provision states otherwise or a specific clause applicable to a particular service provides otherwise.

Article 111: Notifications

Any notification sent to the user may be made by email, in-application notification, SMS, postal mail, or any other means of communication allowing receipt to be ensured.

The user undertakes to keep their contact details up to date throughout the contractual relationship.

Article 112: Entire agreement

These Terms, supplemented where applicable by the Specific Terms, the Privacy Policy and any other applicable contractual document, constitute the entire agreement between BOONKA and the user concerning the use of the platform.

They replace any prior agreement, exchange or undertaking relating to the same subject matter.

Article 113: Entry into force

These Terms enter into force as from the date of their publication on BOONKA’s official channels. They remain applicable until they are amended or replaced by a new version duly published.

Chapter XI: Loyalty programme, rankings and user benefits

Article 114: Purpose

In order to reward the engagement of its users, BOONKA may set up a loyalty programme based on a system of levels, rankings, rewards or benefits.

The purpose of this programme is to recognise regular use of the platform while promoting an enhanced user experience. Participation in the programme is free of charge, unless stated otherwise.

Article 115: User levels

BOONKA may assign different levels to users according to criteria defined by BOONKA. BOONKA may modify, remove or create new levels at any time.

Article 116: Ranking criteria

BOONKA reserves the right to establish a ranking or to assign a status to users on the basis of objective and transparent criteria defined by the platform. The arrangements for this ranking may be revised at any time.

This ranking confers no acquired right on users.

Article 117: Benefits

Depending on their level, the user may benefit in particular from:

• promotional offers;
• discounts with partner merchants;
• reductions on certain services;
• early access to new features;
• priority customer service;
• invitations to events;
• rewards or gifts;
• adjusted usage limits, subject to regulatory requirements;
• any other benefit offered by BOONKA or its partners.

Benefits may vary depending on the partners and the campaigns in progress.

Article 118: Granting and withdrawal of benefits

Benefits are granted automatically or in accordance with the arrangements defined by BOONKA. They are personal, non-assignable, non-exchangeable for cash and may not be sold.

BOONKA may suspend or withdraw any benefit in the event of fraud, abusive use of the programme, non-compliance with these Terms, or closure or suspension of the account.

Article 119: Amendment of the programme

BOONKA may, at any time, modify the criteria for granting benefits, change the levels, create or remove benefits, or suspend or terminate the loyalty programme.

These changes give rise to no compensation, unless a mandatory legal provision states otherwise.

Article 120: No acquired rights

Participation in the loyalty programme confers no acquired right to the maintenance of a level, a ranking or a benefit.

The benefits offered constitute commercial measures freely defined by BOONKA and may be adapted according to the company’s strategy, the partnerships entered into or regulatory constraints.

Article 121: Additional information

Information relating in particular to applicable pricing, usage limits, financial partners, identity verification requirements and any other operational condition applicable to the services is published on the mobile application or any other official BOONKA channel.

This information supplements these Terms and may be updated in order to take account of technical, operational, commercial or regulatory developments. The version in force is the one published on BOONKA’s official channels.

الأحكام الختامية

These Terms are intended to constitute the general legal framework applicable to the use of the BOONKA platform.

They are supplemented, where necessary, by the Specific Terms applicable to certain services, the BOONKA Privacy Policy, and any other contractual documentation published by BOONKA.

Any question relating to the interpretation or application of these Terms may be sent to BOONKA Customer Service.

Any matter not provided for in these Terms is governed by applicable Algerian legislation.