Baobab — operated by Bridge Corporation | Product preview
Baobab is an app operated by Bridge Corporation ("we", "us", or "our"). It contains previews of wallet, payment, savings and other tools. A screen or account registration does not mean a financial service is live in your market.
Bridge Corporation does not claim a banking, payment, card-issuer or investment licence here. Regulated services require the necessary permissions and provider arrangements before launch in each market. Check the availability and provider disclosures for any service before relying on it.
To use Baobab, you must register with a valid phone number or email address and create a secure password. You are responsible for maintaining the confidentiality of your login credentials.
Each user may only maintain one Baobab account. Creating multiple accounts to circumvent limits, bans, or KYC requirements is prohibited and will result in permanent termination of all accounts.
The current product preview uses simulated balances and transactions. Bridge Corporation is not a bank. Do not assume any balance is a bank deposit, safeguarded, insured or covered by a deposit guarantee scheme. If real-money services become available, the relevant provider, legal protections and terms must be disclosed for that specific market and product.
Funding methods shown in the preview are not a promise of live integration. Live methods, if enabled, depend on the provider, country, verification and applicable limits shown in the app.
Limits vary by product, verification status, provider and market. Review the limit displayed in the relevant flow before confirming; preview limits are not a promise of live access.
Live withdrawals, where available, may require identity verification and can be delayed for fraud, provider or legal review. Contact support if a transaction is stuck.
There is no universal fee schedule for all routes. Fees may differ across transfers, mobile money, currency exchange, cash-out, group contributions and other products; a provider may also charge separately. The backend calculates route-specific amounts, including minimum fees on some routes. Preview pricing is not a binding live-market quote. Review the applicable fee, rate, recipient amount and total in the transaction-specific quote before confirming. If no clear quote is shown, do not proceed and contact support. We do not promise that any category is always free.
Once a payment is processed, reversal may not be possible. For a wrong recipient, report the transaction immediately through support. Recovery depends on transaction status, provider and applicable rules; it is not guaranteed.
For a failed or duplicate debit, report the transaction reference through support. We will review the ledger and provider status and explain the available reversal or refund path. Timing and amount depend on the payment rail, transaction status and applicable law; no fixed refund deadline is promised.
Savings Goals and Pockets are sub-accounts within your Baobab wallet. They are for personal organisation only and do not earn interest unless a specific savings product with interest is expressly offered.
Digital gold products reflect the market price of gold and are provided for informational and investment purposes. Gold prices fluctuate and you may receive less than you invested. Baobab does not guarantee any investment returns.
Investing in stocks, bonds, and ETFs involves risk of loss. Past performance is not indicative of future results. Investment features are provided through Banking-as-a-Service (BaaS) partners and are subject to their terms and regulatory approvals in your jurisdiction.
Any future carbon credit or impact investment offering would depend on verification and applicable approvals. Market value may fluctuate, with risk of partial or total loss.
Tontine groups are informal rotating savings groups facilitated by Baobab technology. Baobab is not responsible for disputes between group members, defaults by members, or group decisions. Group administrators are responsible for enforcing group rules. Baobab provides the technology platform only.
Card and credit interfaces in the preview are not evidence that a card has been issued or credit approved. Any live card or credit product requires a disclosed issuer or lender, eligibility review, applicable approvals and product-specific terms.
Verification may be required for access to particular features. We may use automated and manual checks for identity and fraud review.
Any live regulated activity must comply with the applicable law and provider requirements in the relevant market; this statement is not a claim of regulatory authorisation.
You must not use Baobab to:
We may review suspicious activity and restrict access where required by law or to protect accounts. Contact support if you believe a restriction is in error.
Access to a service may be restricted by applicable sanctions and provider rules. Restrictions vary by jurisdiction and may change. Do not use the App to circumvent legal restrictions. Contact support if you believe access has been restricted in error.
Baobab, the Baobab tree logo, "Born in Africa, Built for the World", and all related trademarks, service marks, and trade names are the property of Bridge Corporation. You may not use them without our prior written consent.
The App's software, design, content, and AI models are proprietary to Bridge Corporation and are protected by copyright, patent, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to use the App for personal financial management purposes only.
THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BRIDGE CORPORATION SHALL NOT BE LIABLE FOR:
Nothing in these Terms removes rights or remedies that cannot lawfully be excluded, including applicable rights concerning unauthorised transactions or refunds.
Financial advice disclaimer: Nothing in this App or these Terms constitutes financial, investment, legal, or tax advice. You should seek independent professional advice before making any financial decision.
You agree to indemnify, defend, and hold harmless Bridge Corporation and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from: (a) your use of the App; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any claim that your actions caused harm to a third party.
Applicable law and mandatory consumer rights depend on your location and the particular service or provider. Nothing here limits rights that cannot lawfully be waived.
For disputes, use in-app support and include the transaction reference. We will investigate and explain the outcome and available next steps. You may pursue remedies available under applicable law; no mandatory arbitration or resolution deadline is imposed here.
Nothing here waives rights to collective remedies that apply under local law.
Contact in-app support for account closure and any outstanding transaction or balance questions. Closure does not automatically trigger a payout; any return of real funds depends on their status, the provider and applicable law.
We may restrict access for suspected fraud, legal requirements or violations of these Terms. Any hold on real funds must follow applicable law and provider procedures; contact support for a review.
On termination, access ends. Any real funds, if applicable, will be handled according to the provider's process and applicable law, including any lawful hold. Contact support to review an outstanding balance or dispute.
We may update these Terms. We will communicate material changes as required by applicable law and identify the current version in the app or on this page.
If you do not agree with updated Terms, you must stop using Baobab and close your account before the effective date.
Primary route: Support and complaints (in-app instructions)
Email alternative (address not independently verified): support@baobab.finance
Do not email passwords, full payment card numbers or identity documents. You may also contact the authority or pursue remedies applicable in your jurisdiction.