Reference

Our Terms, Your Rights, One Clear Place

12xbaji sets out its legal position here so you know exactly where you stand before you open an account. Access to our platform depends on your local law and eligible regions — read this page to understand what applies to you in Bangladesh.

Account eligibility by regionbKash, Nagad, Rocket wallet termsData and privacy rightsSupport contact on policy mattersLocal law compliance
12xbaji Our Terms, Your Rights, One Clear Place
CONTACT AND HELP

Reach Us on Legal and Policy Questions

Team online

Live Chat Support

Open the chat widget from your account dashboard for direct help on policy questions, account restrictions, or wallet verification issues tied to bKash, Nagad, or Rocket.

Email Support

Send detailed policy queries or formal requests — including data access and account closure — to our support address listed in your account settings under the Help section.

Account Help Centre

The Help Centre inside your account covers common legal questions including payment disputes, transaction records, and what to do if your account access is restricted.

HOW WE HANDLE IT

Data, Security and Account Policy in Practice

Data Handling

We collect only what is needed to run your account — login credentials, transaction records, and wallet identifiers like your bKash or Nagad number. We do not sell your data to third parties.

Cookie and Session Policy

Cookies keep your session active across mobile and desktop so you do not need to log in again mid-session. You can manage cookie preferences from your browser settings at any time.

Account Security

Your account is protected by OTP verification on login and on withdrawal requests. If you receive an OTP you did not request, contact support immediately through the dashboard chat.

Retention and Deletion

We retain account and transaction data for the period required by our internal policy. When you close your account, you can request deletion of non-essential personal data by contacting support in writing.

Common Questions About Our Legal Terms

Access depends on your local law and the regions we currently serve. We recommend checking your local regulations before opening an account to confirm eligibility in your area.

Our terms cover deposits and withdrawals made via bKash, Nagad, and Rocket. Each transaction is subject to both our payment terms and the rules of the respective mobile financial service.

Send a written request through the email support address in your account settings. We will respond with the data we hold on your account within the timeframe set out in our retention policy.

Any remaining balance linked to your bKash, Nagad, or Rocket wallet will be returned to you through the same payment method used for your most recent deposit, subject to verification.

Open a chat from your account dashboard and provide the transaction reference number. Our team will review the record and respond with the outcome and any next steps within the dispute process.

Our terms specify the applicable jurisdiction for formal disputes. Review the full terms document in your account settings, and contact support if you need clarification on how a dispute would be handled.
Reference

Legal

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

Access may be available only where local law permits.