LeCoCash

LeCoCash Agent Terms of Use

Last updated: October 28, 2026

Version: 1.1

0. IN SHORT

  • LeCoCash Agent dials the MTN and Orange deposit codes for you: the operator executes the operation, after your secret code.
  • The app keeps your register from the operator's SMS; the operator's statement remains the only reference.
  • LeCoCash Agent charges no fees; only your operator's fees and commissions apply.
  • Always check the customer's number and the amount: an operation confirmed with the operator cannot, in principle, be cancelled.
  • By creating your account, you accept these terms and the Privacy Policy.

1. THE SERVICE

LeCoCash Agent is an assistance app published by LeCoCash Inc., a Canadian company, Quebec, Canada, for Orange Money and MTN MoMo agents and merchants in Cameroon. It dials the operator's deposit codes for you, records the deposits and withdrawals confirmed by the operator's SMS, keeps the register of your operations and prepares the QR posters of your point of sale.

LeCoCash is neither a bank, nor a payment institution, nor an electronic money issuer: it holds, receives and transfers no funds. Operations are executed solely by the operator, under the contract between you and the operator. LeCoCash Agent is neither affiliated with nor endorsed by MTN or Orange.

2. ACCEPTANCE OF THE TERMS

These terms are available before you create your account, then at any time in Settings. By creating your account, you expressly accept them, together with the Privacy Policy, which is an integral part of them; the accepted version and its date are recorded. Any use of LeCoCash Agent also means acceptance of the terms in force.

If you do not accept these terms, do not use LeCoCash Agent.

3. YOUR ACCOUNT

To create an account, you must be an adult and the holder, or an authorized user, of the phone line used. The information you provide must be accurate. An Internet connection is needed to create your account and to sign in again; after that, the app works without the Internet. When the Internet is available, it keeps your account on the LeCoCash servers up to date and sends anonymous statistics on your finished operations, without ever making you wait; the Privacy Policy describes them.

The app code protects its opening: keep it secret. LeCoCash will never ask for your Mobile Money secret code, which is entered only in the operator's menu. You are responsible for the use of your phone and must tell us without delay of any loss, theft or unauthorized use.

4. YOUR ACTIVITY AS AN AGENT OR MERCHANT

You use LeCoCash Agent as part of your professional activity. The app does not change in any way your obligations toward the operator and toward your customers, in particular customer identification, limits, keeping your cash and fighting fraud.

A merchant may use the app to prepare the QR poster of their point of sale.

5. YOUR OPERATIONS

Before each deposit, you check the customer's number, the amount and the operator. A deposit is executed only after your confirmation with your secret code, in the operator's menu. Withdrawals are made by your customers; the app records them when the operator's SMS arrives.

The app shows the result given by the operator's SMS. When no SMS confirms a deposit, it says so: check the operator's statement before launching an operation again, so as not to execute it twice.

An operation confirmed with the operator is in principle irrevocable. Any claim (wrong number, disputed debit, refund) must be addressed to the operator.

6. THE REGISTER, BALANCES AND COMMISSIONS

The register, balances and commissions shown are those the app reads in the operator's SMS. The app does not calculate any commission. A missing, delayed or changed SMS from the operator may leave the register incomplete: only the operator's statement and amounts are authoritative.

7. FEES

LeCoCash Agent charges no fees. Only the operator's fees, taxes and commission terms apply.

8. PROHIBITED USE

It is prohibited to use LeCoCash Agent for any unlawful activity, in particular fraud, money laundering or terrorist financing, to operate on behalf of a third party without their consent, to use your customers' data for any purpose other than serving them, to try to get around the app's security, or to copy, modify or resell all or part of it. LeCoCash may suspend or close an account in the event of prohibited use and cooperate with the competent authorities.

9. LIABILITY

LeCoCash Agent is provided as is. LeCoCash makes reasonable efforts to keep it working properly, without guaranteeing continuous availability or the absence of errors.

LeCoCash is not liable for:

  • operations executed by the operator from the information you confirmed;
  • interruptions, delays or errors of the operators' networks, SMS and services;
  • a difference between the app's register and the operator's statement;
  • the consequences of a use that does not comply with these terms or of unauthorized access to your phone.

To the extent permitted by law, LeCoCash's liability is limited to direct and proven damage, excluding indirect losses, in particular lost commissions. Nothing in these terms limits the rights the law grants you that cannot be waived.

10. PERSONAL DATA

The processing of your account data, the data kept on your phone, your customers' data, the anonymous statistics sent to LeCoCash and any future synchronization are described in the Privacy Policy, which is part of these terms.

11. INTELLECTUAL PROPERTY AND TRADEMARKS

The app, its texts, its design and its code belong to the LeCoCash company, which grants you a personal, non-transferable right to use the app for your activity. The names and logos MTN, MoMo, Orange and Orange Money belong to their owners and are used only to identify the operator concerned.

12. TERM, SUSPENSION AND DELETION

You can delete your account at any time from Settings or by writing to us. LeCoCash may suspend or close an account in the event of a breach of these terms, after informing you, except in an emergency or under a legal obligation. LeCoCash may change or stop the service; if it stops, you will be informed at least 30 days in advance.

13. CHANGES

LeCoCash may change these terms. You will be informed in the app at least 30 days before a significant change takes effect. If you refuse it, you can delete your account; continuing to use LeCoCash Agent after that date means acceptance.

14. GOVERNING LAW AND DISPUTES

These terms are governed by Cameroonian law. In the event of a dispute, contact us first to look for an amicable solution. Failing agreement within 30 days, the dispute will be brought before the competent courts of Douala.

In the event of a difference between the French and English versions, the French version prevails.

15. CONTACT

LeCoCash Inc., Quebec, Canada · support@lecocash.com