Terms of Use
Last updated: June 2026
These terms of use (the "Terms") govern access to and use of the chari.ma app and its associated services. The chari.ma app is published and operated by Chari, a payment institution licensed by Bank Al-Maghrib, part of the Chari Group. By creating an account or using the app, you accept these Terms in full.
1. Purpose and scope
The Terms set out the conditions under which you can open an e-wallet, use your card, make transfers and mobile top-ups, pay bills, and access the other services offered in the chari.ma app. They apply to anyone who downloads, installs or uses the app, whether as an individual or as a small merchant.
2. Definitions
"App" means the chari.ma mobile application. "Account" means the e-wallet opened in your name, identified by a Moroccan IBAN. "Services" means all the features accessible through the app: account, card, transfers, withdrawals, mobile top-ups, bill payments, gift cards and merchant services. "User" means any person holding an account.
3. Access requirements and sign-up
Using the Services requires creating an account. You agree to provide accurate, complete and up-to-date information, and to keep it current whenever it changes. In accordance with applicable regulations, opening and using the account may be subject to identity verification (KYC) and to upgrading your account to access certain limits or features.
4. E-wallet and services
Your e-wallet lets you receive, hold and use funds, obtain a Moroccan IBAN (RIB, IBAN, BIC), top up your account by bank card, at a cash agency, by bank transfer, via payment link or through Fatourati, and view your balance and transaction history. The Services are provided within the limits of the features actually available in the app and the regulations in force.
5. Payment card
A Visa card, physical and/or virtual, can be linked to your account. You are responsible for safeguarding your card and keeping its details confidential. If it is lost or stolen, you must immediately block the card from the app. Use of the card is subject to the limits and conditions displayed in the app and to the rules of the Visa network.
6. User obligations
You agree to use the Services lawfully, not to infringe the rights of third parties, and not to use the app for fraudulent purposes, money laundering or the financing of illegal activities. You are responsible for all transactions carried out from your account and for the security of your login credentials.
7. Security and account access
Access to your account is protected by a 4-digit PIN and, depending on your device, by facial recognition (Face ID). You agree to keep these credentials strictly confidential and not to share them with anyone. Any transaction carried out with your credentials is deemed to have been made by you. If you suspect unauthorized access, contact support without delay.
8. Fees
Any fees applicable to the Services are shown in the app before you confirm each transaction. Some services, such as account-to-account transfers, may be offered free of charge. You acknowledge having reviewed the fees displayed before confirming a transaction.
9. Availability and changes to the Services
We do our utmost to ensure the continuity and quality of the Services. The app may nevertheless be temporarily unavailable due to maintenance, updates or circumstances beyond our control. We may change, add or remove certain features to improve the experience or to comply with regulations.
10. Intellectual property
The chari.ma app, its brand, logos, interfaces and content are protected by intellectual property rights and remain the property of the Chari Group or its partners. No license or right is granted to you beyond the right to use the app under these Terms.
11. Liability
We provide the Services with due care and professionalism. We cannot be held liable in the event of improper use of the app, disclosure of your credentials to a third party, or force majeure. You remain responsible for the accuracy of the information you enter when making transactions, in particular the details of your transfer recipients.
12. Account suspension and closure
We may suspend or close your account in the event of a breach of these Terms, suspected fraud, or to comply with a legal or regulatory obligation. You may request the closure of your account at any time, subject to the settlement of any pending transactions and compliance with statutory record-keeping obligations.
13. Changes to the Terms
These Terms may be updated to reflect changes to the Services or to regulations. The applicable version is the one in force at the time you use the app. We will notify you of any material changes through an appropriate channel.
14. Governing law and disputes
These Terms are governed by Moroccan law. If an issue arises, we encourage you to contact our support team first to seek an amicable solution. Failing an amicable resolution, any dispute will fall under the jurisdiction of the competent Moroccan courts.
15. Contact
For any questions about these Terms or the use of the app, you can contact our support team at support@chari.ma.