LegalTERMSPRIVACYCOOKIESCOMPLIANCEACCEPTABLE USESECURITYREFUNDSPAYMENT SERVICESFINANCIAL SERVICESV1 · EFFECTIVE 1 AUG 2026

Financial Services Disclosures

Version 1 · this page updates whenever a service, provider or registration changes, before the change takes effect.

1 · Who you are dealing with

Services in Canada and internationally are provided by Bolrach Technologies Limited (Canada). Services in Nigeria are provided by Bolrach Technologies Limited NG (RC 1409079). The contracting entity for your account is stated on your account page and on every statement.

2 · The partnered-institution model

Certain regulated services — card acquiring and issuing, holding of safeguarded funds, and specific local payment rails — are provided in partnership with regulated financial institutions. Where a regulated institution provides a service on your account, that institution is identified by name in the product agreement and statements for that service. Bolrach operates the platform, the interface and the customer relationship; the regulated activity sits with the institution licensed for it, in each territory.

IN PLAIN LANGUAGESome things need a licence we are still earning, so a licensed institution stands behind those pieces. You are told exactly which institution, in the document for that exact service — and the experience stays one Bolrach.
3 · Bolrach is not a bank

Balances shown in your account are not bank deposits with Bolrach, and are not covered by deposit insurance as Bolrach's deposits. Where a product routes funds into an insured deposit at a partner institution, that product's agreement says so explicitly and states whose insurance applies and how.

4 · How customer funds are held

Funds we hold for you are segregated from Bolrach's own funds in accounts designated for customer money at regulated institutions, reconciled daily to the ledger you can see in your dashboard. Safeguarding follows the rules of each operating territory; in Nigeria, naira collections settle through licensed partners and Bolrach NG does not warehouse customer naira.

5 · Our registrations

Bolrach pursues its own registrations and licences in its operating territories on a published-to-regulators timetable. The current status of any Bolrach registration relevant to your service is available on request from [email protected], and material changes are announced on this page before they take effect. We do not claim registrations we do not hold.

IN PLAIN LANGUAGEWe tell you plainly what we are licensed for, what a partner is licensed for, and never dress one up as the other. Ask [email protected] and you get the current status in writing.
6 · If something goes wrong

Complaints follow the procedure at /compliance, with its stated clock. If we cannot resolve your complaint, we provide in writing the external dispute and regulatory bodies competent for your product and your country, together with your case file, ready to forward.