1. About these terms
These terms govern your use of this business pool funding platform. By creating an account you agree to them.
2. Accounts
- Accounts are created on our website and can only be used to log in through our Android application.
- You must provide a valid Bangladeshi mobile number. One account per mobile number.
- You are responsible for keeping your password confidential and for activity on your account.
- We may suspend an account where we reasonably suspect fraud, abuse or a breach of these terms.
3. Business funding pools
- Each pool funds a specific business, up to a stated target.
- Every pool states its minimum amount, duration, and daily distribution terms before you commit.
- The terms in force when you invest are recorded against your investment and do not change afterwards. A later change to a pool applies only to new investments.
- When a pool reaches its target it stops accepting new investments. Existing investments continue on their original schedules.
4. Distributions
- Distributions are made daily at 12:00 AM Bangladesh Standard Time (Asia/Dhaka).
- Your first distribution falls on the first 12:00 AM strictly after your investment becomes active.
- Distributions are principal-inclusive. Part of each daily amount is a return of your own capital and part is profit. There is no separate repayment of principal at the end of the term.
- The app shows the principal portion and the profit portion of every distribution separately. Total receipts are not the same as profit.
- Distributions are not guaranteed. See the Risk Information document.
5. Referral programme
- Investment commission is paid on the principal of successful investments by your team, at 6%, 3%, 2%, 1% and 0.5% for levels 1 to 5 respectively.
- Commission is never paid for registering an account or for making a deposit.
- If a level in your upline is absent, that level simply pays nothing. Its percentage is not redistributed.
- Daily profit commission is 3% of the profit component only of your direct (level 1) referrals daily distributions, and applies to level 1 alone.
- Self-referral is not permitted. We may reverse commissions obtained through manipulation, with a linked correcting entry and a record of the reason.
6. Ranks and rewards
- Ranks are based on the cumulative eligible investment of your direct (level 1) referrals.
- Reaching a threshold unlocks a rank. The reward is credited only when you explicitly claim it in the app.
- Each rank reward can be claimed once per account.
- Promotional rewards are credited to a separate promotional balance with its own usage restrictions, which are stated in the app before you claim.
7. Deposits and withdrawals
- Payment provider integrations are not yet active. Where a method is unavailable the app says so plainly, and no payment details are collected.
- When withdrawals are enabled, applicable fees and limits will be shown before you confirm, and funds are reserved when a request is made.
8. Our responsibilities and limits
- We operate the platform with reasonable care, but we do not guarantee any financial return.
- We are not liable for losses arising from the performance of a funded business, beyond what the law requires of us.
- We maintain an auditable record of every transaction on your account.
9. Changes
- We may change these terms. Material changes will be notified in the app. Terms already recorded against an existing investment are not altered.
10. Governing law
These terms are governed by the laws of Bangladesh.
Note: This document is a starting draft that describes how the platform actually operates. It must be reviewed by a qualified Bangladeshi lawyer before launch.