Terms & Conditions

Welcome to Pocket Bondhu ("we", "our", or "the App"). By using our services, you agree to the following terms and conditions. Please read them carefully.

1. Introduction

Pocket Bondhu is designed to help individuals in Bangladesh manage their personal finances by offering features such as:

• Budget planning
• Expense and income tracking
• Account management (bank, cash, mobile wallets, etc.)
• Subscription-based features
• Referral-based reward system

2. Account Registration

• Users must provide accurate and truthful information during registration.
• Each account is intended for a single individual or family, depending on the chosen plan.
• Users must not create multiple accounts to abuse the referral or reward systems.

3. Subscription Plans

We offer the following plans:

• Free Plan: Basic features only
• Premium Plan: ৳50/month
• Family Plan: ৳80/month

Subscriptions unlock access to premium features and enable participation in the referral rewards program.

4. Referral Program

4.1 Purpose

The referral system is intended to reward users for spreading awareness of the app and bringing new subscribers.

4.2 Commission Levels

Users can earn referral income as follows:

4.3 Referral Locking

• A user's referredById (the referrer) is permanently set at the time of registration.
• This value cannot be changed later to maintain fairness and prevent manipulation.

5. Income & Withdrawal

5.1 Earning Income

• Referral income is credited to the user's account only after successful subscription payments from referred users.
• Referral earnings are subject to eligibility checks and compliance monitoring.

5.2 Withdrawal Rules

• Minimum balance to request withdrawal: ৳1000.
• Referral rewards are pending for 7 days before becoming available for withdrawal.
• Users must maintain an active subscription to remain eligible for withdrawals.
• Withdrawals will be reviewed and processed manually until full automation is introduced.

5.3 Fraud & Suspicion

• The app uses automated and manual checks to detect suspicious behavior (e.g., fake referrals, duplicate accounts, backdated changes).
• Any income flagged as suspicious may be temporarily held or permanently withheld, depending on the outcome of the review.

6. Rewards & Milestones (Optional Feature)

We may occasionally run reward campaigns (e.g., iPhone, bike, or car giveaways) for users who reach specific referral milestones. These are performance-based and non-guaranteed, and subject to additional rules shared during the campaign.

7. Usage Restrictions

• You may not misuse the App or interfere with its normal operation.
• The App must not be used for fraudulent activity, scams, or illegal financial operations.
• Users found abusing the system (e.g., fake referrals, unauthorized access) will be suspended or permanently banned.

8. Legal Compliance & Limitation

• Pocket Bondhu is not an investment platform or multi-level marketing (MLM) business.
• Referral income is not guaranteed and is based on the actual subscription behavior of referred users.
• Pocket Bondhu complies with digital business and reward marketing norms applicable under Bangladeshi law.

9. Termination & Modification

• We reserve the right to modify or terminate services, plans, or referral conditions with notice.
• Users violating terms may be terminated without prior notice.

10. Contact

For questions, support, or legal inquiries:

📧 support@pocketbondhu.com