Private buyers and service users can generally use the available complaint and enforcement channels without an income, age or registration threshold identified in the available information. Keep the contract, invoice, payment proof, photographs, messages and other records. Local legal and institutional terms are mainly French, including consommateur for consumer, acheteur for buyer, vendeur for seller, reclamation for a request to correct a service problem, plainte for a formal complaint, and escroquerie for fraud. Comoros consists of the Union and autonomous islands, but no separate consumer-protection authority for Ngazidja, Ndzuani or Mwali has been identified. For purchased goods, the seller is responsible under the Civil Code for a vice caché, meaning a hidden defect that makes the item unsuitable for its normal use or substantially reduces its usefulness. The buyer can seek cancellation of the sale with repayment of the price or keep the item and seek a price reduction. A seller who knew about the defect may also face a damages claim. Buyers should inspect visible defects, keep proof of payment and notify the seller in writing. A court claim concerning a hidden defect must be brought within a brief period, while the general complaint costs and deadlines have not been published. Commercial import invoices should identify the buyer's address, date and place, product, origin, weight, price, shipping and insurance. A contract of sale is formed through agreement on the item and the price. The available information does not establish a general cooling-off right or a uniform statutory standard warranty for all consumer contracts in Comoros. Hidden-defect rights remain available. The usual practical sequence is to preserve the contract and other evidence, complain to the provider, and use a civil court process if the matter remains unresolved. Financial services are supervised by the Banque Centrale des Comores, known as the BCC, and by BCC-licensed credit institutions and other financial providers. The BCC also supervises payment systems. Terms that may appear in financial discussions include établissement de crédit for credit institution, APBEF for the banking association, TEG for the effective global rate, and taux d'usure for the maximum lawful interest rate. The National Financial Inclusion Strategy 2025–2030 includes financial education and protection of users, and a 2023 project addressed TEG and usury-rate rules. No formal public financial ombudsman or standardized customer-complaint service level has been identified. Check that the institution is licensed, keep account and payment records, complain to the provider or agent first, and contact the BCC when supervisory intervention is relevant. Telecommunications users can complain first to their provider and then submit a written complaint to ANRTIC, the national telecommunications regulator, online or by post. Relevant protections include clear tariff and offer information, the contracted quality of service, number portability, privacy and data protection, and a right to complain. ANRTIC in Moroni lists the telephone number +269 773 00 00 and the email address contact@anrtic.km. Its listed opening hours are Monday to Thursday from 08:00 to 17:00 and Friday from 08:00 to 12:00. No general complaint fee or response deadline has been published. For travel services, the responsible bodies include the Ministry responsible for Tourism, the Direction Nationale du Tourisme, island tourism directorates and the ONTC. A travel provider is responsible to the buyer for proper performance of the agreed service. The contract should state the services, price, payment terms, cancellation conditions and any border-crossing requirements. Check the provider's licence or approval and keep the booking and payment records. Repeated complaints about a hotel may contribute to declassification or reclassification. A 30-day period found in the tourism rules concerns provider licensing, not the deadline for a customer's complaint. Suspected fraud belongs with the police or gendarmerie. For electricity and other energy services, the relevant bodies include the Agence de régulation de l'énergie, the Ministry of Energy and SONELEC. The contract and bill should show tariff components transparently. Customers with the same consumption profile in the same network should receive equal treatment, and connection and service prices are subject to regulatory approval. Stand-alone electricity systems outside the public network may be subject to a price ceiling under the implementing rules. Send an unresolved regulated energy dispute to the agency; if it remains unresolved after two months, the court process is available. No complaint fee has been published. Medicines are regulated by the Ministry of Health, ANAMEV, pharmacy inspectors and the relevant professional order. Import, sale and circulation generally require registration or authorization. ANAMEV handles quality control, market surveillance, price frameworks and inspections. Use authorized pharmacies or other authorized supply channels and follow prescription requirements. A suspected problem can be reported through the pharmacy or provider to ANAMEV, the Ministry or an inspector. ANAMEV lists a reporting contact in Moroni at +269 773 26 64 and contact@anamev.org. No formal consumer complaint deadline or service level has been published. Comoros has no general consumer complaint portal, mediation service or ombudsman identified in the available information. Start with the seller, provider or relevant sector body. A civil disagreement about performance or a hidden defect is not automatically a criminal case. If the facts suggest deception, a fake offer, non-delivery after payment or a counterfeit product, describe the facts and submit the evidence to the police or gendarmerie. A complaint may name the suspected person or company, or be filed against an unknown offender as plainte contre X. The police or gendarmerie should receive the complaint even when local jurisdiction is disputed, and a copy or receipt can be requested. General complaint fees and response deadlines have not been published, so preserve every submission and follow up in writing.
Consumer protection in Comoros
Consumer protection in Comoros gives private buyers and service users practical rights and remedies when dealing with companies and professional providers. The system is fragmented across the Civil Code, sector regulators, ministries, police or gendarmerie, and courts; no general national consumer-protection authority or general complaint hotline has been identified. The appropriate process depends on whether the problem concerns a purchase, contract, financial service, telecommunications, travel, electricity, medicine, or suspected fraud.
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