Reference

What You Agree to When You Use 12xbaji

These terms set out the rules that apply to your account — how it opens, how transactions work through bKash, Nagad, or Rocket, and what we each commit to.

Account use rulesbKash, Nagad, Rocket payment termsEligibility by regionAccount suspension conditionsHow to raise a dispute
12xbaji What You Agree to When You Use 12xbaji
HOW WE HANDLE THIS

How 12xbaji Applies These Terms Fairly

We apply these terms consistently across all accounts. If your account is ever reviewed, restricted, or suspended under these terms, we will tell you why and give you a clear path to respond. Our support team has direct access to account logs, transaction records, and wallet verification data — so disputes are handled with actual evidence, not assumptions. You can request a copy of your account activity at any time through live chat.

Account Security

Your account is protected by OTP verification on login and on withdrawal requests. We flag unusual session activity and pause transactions until you confirm via your registered mobile number.

Data Retention

We retain account and transaction records for as long as required under applicable rules. You can request a summary of your data at any time through our support email or live chat channel.

Term Change Notice

When terms are revised, we send notice to your registered contact before the change takes effect. The updated version is published on this page with the effective date clearly shown.

Dispute Resolution

If you dispute a decision made under these terms, raise it through live chat first. Unresolved disputes can be escalated by email, and we will respond with a written outcome within a stated timeframe.

TERMS CONTACT PATHS

Reach Us About Any Terms Question

If a specific clause is unclear or you want to raise a concern about how these terms have been applied to your account, our support team can help. You can reach us through live chat directly in your account dashboard, by email for written queries, or through our Bangladesh-based messaging channel for wallet-related disputes involving bKash, Nagad, or Rocket transactions.

Team online

Live Chat

Open your account dashboard and start a live chat session. This is the fastest way to ask about a specific term or report an account issue in real time.

Email Support

Send a written query to our support email for clause clarifications, dispute records, or account-closure requests. We respond with a written confirmation you can keep.

Wallet Dispute Channel

For payment disputes involving bKash, Nagad, or Rocket transactions, use our dedicated wallet support path. Have your transaction reference ready when you contact us.

What You Actually Want to Know About These Terms

These are the questions we get asked most often about account terms, eligibility, and what happens if something goes wrong. Read through before you contact support — the answer is likely here.

Yes. Completing account registration means you have accepted these terms. You do not need to sign anything separately — the act of opening the account is your agreement.

We will notify you before a revision takes effect. If you continue using your account after that date, we treat that as acceptance. You can close your account if you disagree with the changes.

Yes, all wallet transactions linked to your account are subject to these terms and to the relevant payment provider's own terms. Both sets apply, and neither overrides the other entirely.

In cases of suspected fraud or a serious breach, we may act immediately to protect the account. In all other cases, we will contact you first and explain the reason before any restriction takes effect.

Contact our support team through live chat or email and ask for your account activity summary. We will process the request and send the records to your registered email address.

Access to all services on 12xbaji depends on your local law and the eligible regions where we operate. We recommend checking whether your location is within a supported region before you proceed.
Reference

Terms & Conditions

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.