Anti-Money Laundering (AML) Policy

Introduction

Bangla Chat is committed to observing the provisions of the Money Laundering, Terrorist Financing and Transfer of Funds Regulations 2017, the Proceeds of Crime Act 2002, Part 7Money Laundering Offences and the Terrorism Act 2000 (as amended by the Crime and Courts Act 2013 and the Serious Crime Act 2013) in all of its affairs, whether academic or business related. This policy aims to ensure that Bangla Chat and all its employees comply with the legislation and that due diligence is applied in relation to ‘know your customer’ principles.
This policy sets out the procedure to be followed if money laundering is suspected and defines the responsibility of individual employees in the process.
Bangla Chat has a zero-tolerance policy towards money laundering, and is committed to the highest level of openness, integrity and accountability, both in letter and in spirit. The penalties for these offences are severe and can mean up to 14 years imprisonment and/or an unlimited fine for the employees and executives responsible. In addition, there would be significant reputational damage for Bangla Chat.
This policy applies to all staff of the College and its subsidiary companies and applies to all income and expenditure. Any breach of this policy will be a serious matter, may result in disciplinary action and could result in an employee becoming personally liable to criminal prosecution.
In addition to the Anti-Money Laundering Policy, the following related policies are available on the Bangla Chat intranet:
Ø  Financial Regulations
Ø  Anti-Corruption and Bribery
Ø  Conflicts of Interest
Ø  Whistleblowing
Ø  Fraud
Ø  Gift Acceptance Policy and Code of Ethical Fundraising Practice

What is Money Laundering

The introduction of the Proceeds of Crime Act 2002 and the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 has broadened the definition of money laundering and has widened the range of activities controlled by the statutory framework.

Money laundering covers a wide variety of crimes, it can include anything from which individuals or companies derive a pecuniary benefit, directly or indirectly, and can include many crimes that are not initially thought of as connected with money laundering. There is a risk where there are large volumes of cash transactions and where customer identification is not always easy, for example, cash received from overseas students.

 Money laundering is the process by which criminally obtained money or other assets (criminal property) are exchanged for ‘clean’ money or other assets with no obvious link to their criminal origins. Criminal property may take any form, including money or money’s worth, securities, tangible property and intangible property. It also covers money, however come by, which is used to fund terrorism.

Money laundering offense include

Ø  Concealing, disguising, converting, transferring or removing criminal property from England and Wales (Section 327 of the Proceeds of Crime Act 2002 (POCA))
Ø  Arranging, or becoming concerned in an arrangement, which the person who knows, or suspects, or facilitates (by whatever means), the acquisition, retention, use or control of criminal property by or on behalf of another person (Section 328, POCA)
Ø  Acquiring, using or having possession of criminal property (Section 329, POCA)
Ø  Making a disclosure to a person which is likely to prejudice a money laundering investigation (“tipping off”) (Section 333, POCA)
Ø  Becoming concerned in an arrangement facilitating concealment, removal from the jurisdiction, transfer to nominees or any other retention or control of terrorist property (Section 18, Terrorist Act 2000).

Bangla Chat Obligation

Bangla Chat has a responsibility to:

Ø  Appoint a Money Laundering Reporting Officer (MLRO) to receive, consider and report as appropriate the disclosure of any suspicious activity reported by employees.
Ø  Implement and maintain a procedure to enable the reporting of suspicious activity.
Ø  Maintain customer identification procedures to ‘know your customer’ in relevant circumstances.
Ø  Maintain adequate records of transactions

Bangla Chat adopts a risk-based approach towards anti-money laundering and conducting due diligence. Whilst much of the Bangla Chat’s financial activities could be considered relatively low risk from the prospective of money laundering, all staff need to be vigilant against the financial crime and fraud risks that the Bangla Chat faces. Instances of suspected money laundering are likely to be rare at the Bangla Chat but we must be aware of legislative requirements.

Bangla Chat assesses risks relevant to our operations, and puts in place the processes and procedures that we deem necessary to mitigate these risks. We determine the appropriate level of due diligence by looking at the geographic and customer risk factors based on the EU Directive and set out in MLR2017 and analyzing the College’s potential exposure to money laundering (the source of funds) or terrorist financing (the destination of funds).

Employee Obligations

Money laundering legislation applies to all Bangla Chat employees. Any member of staff could be committing an offence under the money laundering laws if they suspect money laundering, or if they become involved in some way and do nothing about it. If any employee suspects that money laundering activity is or has taken place or if any person becomes concerned about their involvement, it must be disclosed as soon as possible to the MLRO. Failure to do so could result in their becoming personally liable to prosecution. Guidance on how to raise any concerns is included in this policy document.

Know Your Customer (KYC) and Customer due diligence (CDD) including Financial Sanctions Targets

Bangla Chat must be reasonably satisfied as to the identity of other customer or third party and satisfactory evidence of identity must be obtained and retained.

Our customer due diligence follows the principles of Know Your Customer (KYC). The three components of KYC are:
Ø  Ascertaining and verifying the identity of the customer/student i.e. knowing who they are and confirming that their identity is valid by obtaining documents or other information from sources which are independent and reliable. In order to satisfy the requirements, identity checks for money laundering purposes are interpreted as obtaining a copy of photo-identification (such as a passport) and proof of address (such as a recent utility bill).
Ø  Ascertaining and verifying (if appropriate) the identity of the beneficial owners of a business, if there are any, so that you know the identity of the ultimate owners or controllers of the business.
Ø  Information on the purpose and intended nature of the business relationship i.e. knowing what you are going to do with/for them and why.

Examples include for students:

Ø    Passport and/or Visa
Ø    Birth Certificate
Ø    Correspondence with students at their home address for other

Customers or third parties:

Letters or documents proving name, address and relationship for organizations not known to Bangla Chat the following evidence can be helpful:
Ø  Letter headed documents
Ø  Invoices that show a company’s registered office and VAT number
Ø  Checking on limited company authenticity with Companies House
Ø  A credit checks Bangla Chat has procedures for performing customer due diligence (“CDD”), and transaction monitoring arrangements on a risk managed basis. We have documented this in the risk assessment in Appendix.
CDD records must be retained for five years from the date on which reliance commences as failure to do so is a criminal offence.

Money Laundering Reporting Officer (MLRO)

Bangla Chat has appointed a Money Laundering Reporting Officer (the “MLRO”), who is the Director of Finance, and a Deputy MLRO, who is the Deputy Director of Finance to act in his absence. The MLRO is the officer nominated to receive disclosures in respect of suspected transactions or activity within Bangla Chat. Their contact details, along with those of other Finance Department staff from whom operational advice on this policy can be obtained.

Disclosure Procedure to be followed by Employees

Where you know or suspect that money laundering is taking or has taken place, or you become concerned that your involvement in a transaction may amount to a breach of the regulations, you must disclose this immediately to the MLRO.

Your report should include as much detail as possible including:

Ø  Full details of the people and/or companies involved including yourself and other members of staff if relevant.
Ø  Full details of the transaction and nature of each person’s involvement in the transaction.
Ø  Suspected type of money laundering activity or use of proceeds of crime with exact reasons as to why you are suspicious.
Ø  The dates of any transactions, where they were undertaken, how they were undertaken and the likely amount of money or assets involved.
Ø  Any other information that may help the MLRO judge the case for knowledge or suspicion of money laundering that may help to facilitate any report to the National Crime Agency (which replaced the Serious Organized Crime Agency).

Once you have reported your suspicions to the MLRO you must follow any instructions given to you. You must not make any further enquiries unless instructed to do so by the MLRO. At no time and under no circumstances should you voice any suspicions to the person(s) you suspect of money laundering, nor should you discuss this matter with any colleagues.

If appropriate the MLRO will refer the case to the National Crime Agency (NCA) who will undertake any necessary investigation. This may include consent to continue with a particular transaction and care should be taken not to ‘tip off’ the individuals concerned, otherwise you may be committing a criminal offence. The penalty for tipping off is 5-years imprisonment and/or an unlimited fine.

Action and Disclosure by the MLRO

On receipt of a disclosure report the MLRO will:
Ø  Note the date of receipt and acknowledge receipt of it.
Ø  Assess and advise the individuals concerned when a response can be expected.
Ø  Consider the report and any other relevant information, undertaking further enquiries if necessary to decide if a report should be made to the Police.
Ø  Once the MLRO has evaluated the case, a timely determination will be made as to whether:
Ø  There is actual or suspected money laundering taking place.
Ø  There are reasonable grounds to know or suspect that is the case.
Ø  Consent is required from Police for a particular transaction to proceed.
Ø  Where the MLRO concludes that the case should be disclosed to Police this needs to be done:
Ø  In a timely manner.
Ø  In the prescribed manner on a standard report format provided by Police.
Where the MLRO concludes that there are no reasonable grounds to suspect money laundering then consent will be given for transactions to proceed and the disclosure report will be marked accordingly.

Sanctions

There are financial sanctions that relate to a specific countries or terrorist groups, known as regimes. What is prohibited under each financial sanction depends on the financial sanction regulation. Regulations are imposed by the:
Ø  United Nation’s Security Council – the UK is a member so automatically imposes all financial sanctions created by the UN;
Ø  European Union – as a member of the EU, the UK imposes all financial sanctions created by the EU;
Ø  USA AND UK Government – a small number of financial sanctions are created by the USA AND UK Government.
The USA AND UK Government publishes frequently-updated guidance on financial sanctions targets, which includes a list of all targets. This guidance can be found at: www.gov.uk/government/publications/financialsanctions-consolidated-list-of-targets/consolidated-list-of-targets.
We will monitor the relevant websites to review Sanctioned Parties and ensure that the College does not transact with Sanctioned Parties.

Record-keeping

By keeping comprehensive records Bangla Chat is able to show that we have complied with the Money Laundering Regulations. This is crucial if there is a subsequent investigation into one of our customers/students or transactions.

The types of record kept may include:

Ø  Daily records of transactions
Ø  Receipts
Ø  Cheques
Ø  Paying-in books
Ø  Customer correspondence
Ø  Student identification evidence Records may be kept in any of the following formats:
Ø  Originals
Ø  Photocopies
Ø  Scanned
Ø  Computerized or Electronic

Records must be kept for five years beginning on either:

Ø  The date a business relationship ends
Ø  The date a transaction is completed

The MLRO will retain any disclosure reports and any associated relevant documents in a confidential file for a minimum of five years.

Bangla Chat is required to retain records for at least seven years after ceasing to transact with an employee, supplier or customer including records of risk assessment, identity and verification and ongoing monitoring. These records are required for other purposes, such as tax compliance, as well as anti-money laundering.

This policy ensures staff understand their responsibilities under the AML regime, the Bangla Chat due diligence procedures and how to report suspicious activity. The policy is published on the Bangla Chat’s intranet via Finance Department’s Policies and Procedures web pages and communicated to staff via internal communication, such as the staff newsletter.

Equality and diversity

There are no equality and diversity impact of this policy’s and (viii) agree to be bound by the obligations set out in paragraph 2.4 of these Terms.

6.6       BANGLA CHAT does not endorse any User Status Submission or Direct Message, or any opinion, recommendation, or advice expressed therein, and BANGLA CHAT expressly disclaims any and all liability in connection with User Status Submissions and/or Direct Messages. BANGLA CHAT does not permit copyright infringing activities and infringement of intellectual property rights via its Services, and BANGLA CHAT will remove any User Status Submission or Direct Message if properly notified that such User Status Submission or Direct Message infringes on another’s intellectual property rights. BANGLA CHAT may also terminate a user’s access to its Services for repeat infringers. A “repeat infringer” is a user who has been notified of infringing activity previously and who continuously uses inappropriate or infringing User Status Submissions and/or Direct Messages. BANGLA CHAT reserves the right to decide whether a User Status Submission or Direct Message is appropriate and complies with these Terms, the law and other BANGLA CHAT polices (such as, but not limited to, excessive length or limited interest). BANGLA CHAT may remove such User Status Submissions, Direct Messages and/or terminate a user’s access for uploading any material in violation of these Terms at any time, without prior notice and at its sole discretion.

6.7       You understand that when using the Services, you will be exposed to User Status Submissions and Direct Messages from a variety of sources, and that BANGLA CHAT is not responsible for the accuracy, usefulness, safety or intellectual property rights in or relating to such User Status Submissions and Direct Messages, and that such User Status Submissions and Direct Messages are not the responsibility or liability of BANGLA CHAT. You further understand and acknowledge that you may be exposed to User Status Submissions and Direct Messages that are inaccurate, offensive, indecent, or objectionable, and you agree to waive, and hereby do waive, any legal or equitable rights or remedies you have or may have against BOTIM with respect thereto, and agree to indemnify and hold BANGLA CHAT, its officers, directors, employees, agents, affiliates, and/or licensors, harmless to the fullest extent allowed by law regarding all matters related to your use of the Services.

7.   Intellectual Property Rights

7.1       The design of BANGLA CHAT Services along with all text, scripts, graphics, interactive features and the like, made available in connection with the Services (collectively, “BANGLA CHAT Content”), excluding all User Status Submissions (as defined in paragraph 6.1), and the trademarks, service marks and logos (the “Marks”) contained within the BANGLA CHAT Services, are owned by or licensed to BANGLA CHAT, subject to copyright and other intellectual property rights laws. Any software used by BANGLA CHAT to provide the Services is the sole property of BANGLA CHAT and any limited license to use the Marks and BANGLA CHAT Content shall not grant you any rights to the software used by BANGLA CHAT. You shall not attempt to circumvent or bypass any technological protection measures, disassemble, decompile, decrypt, hack, emulate, exploit, or reverse engineer any software or other aspect of BANGLA CHAT application BANGLA CHAT Site or BANGLA CHAT Content that is accessible through the Services or use the Services in any unauthorized way that could interfere with anyone else’s use of them. Subject to these Terms, you are granted a personal, non-exclusive, non-transferable, revocable, limited license to install and use, only in connection with the Services, the Marks and the BANGLA CHAT Content for personal purposes while using the Services. The Services, including the BANGLA CHAT Content, is provided to you is “as is” for your information and personal use. BANGLA CHAT reserves all rights not expressly granted in and to the Service and the BANGLA CHAT Content.

 7.2      You agree to not engage in the use, copying, distribution or other exploitation of any of the Marks, the Services and the BANGLA CHAT Content for any other purpose than use of the Services and in any other ways than expressly permitted herein, including any use, copying, or distribution of the User Status Submissions of third parties obtained through the Services. Additionally, you acknowledge and agree that any content submitted, received, displayed or advertised within the Services may contain the intellectual property rights of others and you expressly agree not directly or indirectly to take any action that may damage the intellectual property rights of others. You further agree not to use the BANGLA CHAT Content in a manner that would infringe or violate the rights of any third party and that BANGLA CHAT is not in any way responsible for any such use by you.

8.    Copyright Complaints

BANGLA CHAT respects the intellectual property rights of others, and BANGLA CHAT asks its users to do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, or that your intellectual property rights have been otherwise violated, you should notify BANGLA CHAT of your concern in accordance with the procedure set forth below and BANGLA CHAT will investigate notices of alleged infringement to the extent possible. For any notification to be considered, the notification must be in writing and contain the following information:
(a)   an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
(b)   a description of the copyrighted work or other intellectual property that you claim has been infringed;
(c)   a description of where the material that you claim is infringing is located on the BANGLA CHAT Services, with enough detail that BANGLA CHAT may find it on the Services;
(d)   your telephone number, and email address;
(e)   a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright or intellectual property owner, its agent, or the law; and (f)   a statement by you, that the above information in your notice is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner’s behalf. Should BANGLA CHAT, in its sole discretion after reviewing of the complaint, find the copyright notice is justified, it may take any actions it deems appropriate in the circumstance as permitted by the applicable law, including but not limited to blocking access to the Services, blocking transmission of content or terminating any subscription related to the alleged infringement. A notification of claimed copyright infringement should be emailed to BANGLA CHAT with relevant evidence at: info@banglachat.net.

9.    Warranty Disclaimer

You agree that your use of the Services shall be at your sole risk and ‘as available’. To the fullest extent permitted by law, BANGLA CHAT, its affiliates, subsidiaries, officers, directors, employees, representatives, and agents disclaim all warranties, express or implied, in connection with the Services and your use thereof. BANGLA CHAT makes no warranties or representations about the accuracy or completeness of the Services’ content and assumes no liability or responsibility for any:
(i)   errors, mistakes, or inaccuracies of the content;
(ii)  personal injury or property damage, of any nature whatsoever, resulting from your access to and use of the Services;
(iii) unauthorized access to or use of our servers and/or any and all personal information and/or financial information stored therein;
(iv) interruption or cessation of transmission to or from the Services;
(v) bugs, viruses, trojan horses, or the like which may be transmitted to or through the Services through the actions of any third party, and/or;
(vi)  errors or omissions in any content or for any loss or damage of any kind incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available via the Services; and
(vii) breaches of any intellectual property rights of any person. BANGLA CHAT does not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the Services or any hyperlinked website or feature in the Services or any User Status Submission or other advertising or news, and BANGLA CHAT will not be a party to or in any way be responsible for monitoring any transaction between you and third-party providers of products or services. As with the purchase of a product or service through any medium or in any environment, you should use your best judgment and exercise caution, diligence and common sense, where appropriate.

10.  Limitation of Liability

10.1    In no event shall BANGLA CHAT, its affiliates, subsidiaries, officers, directors, employees, representatives or agents, be liable to you for any direct, indirect, incidental, special, punitive, or consequential damages whatsoever resulting from any: (i) errors, mistakes, or  inaccuracies of content; (ii) personal injury or property damage, of any nature whatsoever, resulting from your access to and use of BANGLA CHAT Services; (iii) any unauthorized access to or use of BANGLA CHAT secure servers and/or any and all personal information and/or financial information stored therein; (iv) any interruption or cessation of transmission to or from BANGLA CHAT servers; (iv) any bugs, viruses, trojan horses, or the like, which may be transmitted to or through the Services by any third party; (v) any errors or omissions in any content or for any loss or damage of any kind incurred as a result of your use of any content posted, emailed, transmitted, or otherwise made available via the BANGLA CHAT Services, whether based on warranty, contract, tort, or any other legal theory, and whether or not you are advised of the possibility of such damages; and/or (vi) the disclosure of information pursuant to these Terms or the Privacy Policy. The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction. For any other losses or damages for which we are found liable, the BANGLA CHAT group of companies’ aggregate liability towards you for all claims during our relationship with you shall not exceed USD100.

10.2    You specifically acknowledge that BANGLA CHAT shall not be liable for User Status Submissions or the defamatory, offensive, or illegal conduct of any third party and that the risk of harm or damage from the foregoing rests entirely with you. You agree that you will not use the Services while operating a motor vehicle, for time-critical or emergency services or event or for any operation where injury, death, or economic damage could occur. The Services are controlled and offered by BANGLA CHAT from its facilities in the jurisdictions where it is legally made available. BANGLA CHAT makes no representations that the Services are appropriate or available for use in other locations. Those who access or use the Services from other jurisdictions do so at their own volition and are responsible for compliance with applicable local law.

10.3    The Services offered through BANGLA CHAT may be unavailable from time to time, may be offered for a limited time, or may vary depending on your region or device. BANGLA CHAT Endeavors to keep the Services up and running at all times; however, all online services suffer occasional disruptions and outages, and BANGLA CHAT shall not be liable for any disruption or loss you may suffer as a result of such interruptions or loss or unavailability of your stored data.

 11. Indemnity

You agree to defend, indemnify and hold harmless BANGLA CHAT, its affiliates, officers, directors, employees, agents and representatives from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees) arising from: (i) your use of and access to the BANGLA CHAT Services; (ii) your violation of these Terms and the Privacy Policy; (iii) your violation of any third party right, including without limitation any copyright, property or privacy right; or (iv) any claim that one of your User Status Submissions caused damage to a third party. This defense and indemnification obligation will survive the duration of your use of the Services.

12.  Cancellation and Termination

12.1    You may stop using the Services at any time. For Services that require separate payment, you may cancel the Services at any time, with or without cause and the cancellation will then be effective at the end of the subscription period and current billing cycle. There will be no refunds provided for any subscribed services for any reason.

12.2    Should BANGLA CHAT find that you have violated any of the Terms or the Privacy Policy, BANGLA CHAT may stop provision of the Services to you with immediate effect and BANGLA CHAT may block your access to your account or subscription? When investigating any potential infringement, BANGLA CHAT may gain access to Your Content (as such term is defined in the Privacy Policy) for the purpose of the investigation and block any transmission that is against the Terms and the Privacy Policy.

13.  Ability to Accept Terms of Service

13.1    For the purpose of these Terms, the agreement is concluded between you and BANGLA CHAT, a Proprietorship company incorporated in the Dhaka, Bangladesh (“BANGLA CHAT”), who, together with its affiliates, is the developer, owner and operator of BANGLA CHAT and BANGLA CHAT Services. By using the Services, you accept and agree to be bound by these Terms and you represent that you have either reached the legal age of maturity in the jurisdiction where you are resident under the applicable laws or your parent or legal guardian (by allowing you access the Services) agrees to be bound by these Terms on your behalf. If you are unsure, if you are in the legal age of maturity, please consult with your parent or legal guardian. If you are a parent or a legal guardian of a person and you allow or make available BANGLA CHAT Services to such person, you and the minor or person under guardianship (as applicable) jointly and severally accept and agree to be bound by these Terms, to the fullest extent legally possible, however, only you as a legally responsible legal guardian or a parent are fully liable for the use of use of the Services (including any purchases) by the minor or a person under guardianship. Minors or persons with limited capacity to contract under the law of their country of residency are not permitted to use the Services without the consent of the parent or legal guardian who assumes full liability for the purpose of these Terms and the Privacy Policy.

13.2    You further represent and warrant that you are not an entity or person:
(a)       Listed in the Bangladesh for Goods and Material Subjected to Import and Export Control Sanction List; or
(b)       listed in United Nations Security Council sanction list; or
(c)       located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a” terrorist-supporting” country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.

14.  Privacy Policy

As you may know, to use the Services, we must collect, store, use, share and otherwise process your personal data. To learn more about why and how we do this, please read our Privacy Policy, which can be found at https://banglachat.net. It will also provide useful information about the rights you may have in relation to your personal data and how you may be able to exercise such rights.

 15.  Updates to Software, the Services and the Terms

15.1    BANGLA CHAT reserves the right to amend or modify these Terms at any time, and it is your responsibility to review these Terms for any changes from time to time. If you do not agree to the revised Terms, your only recourse is to discontinue the use of the Services. Your continued use of the Services following any amendment of these Terms signifies your assent to and acceptance of the revised terms.

15.2    BANGLA CHAT may make changes to the Services and update the software. Any such software changes and configuration changes may be implemented automatically or may require you to download or update the version of the software. It may also be required to remove certain features or functionality of the Services or discontinue any aspect of the Services or stop provision of Services completely. BANGLA CHAT accepts no liability to any person for any such changes.

16.  Choice of Law Dispute Resolution

16.1    The laws of England and Wales govern these Terms.

16.2    For the benefit o BANGLA CHAT f, you and BANGLA CHAT irrevocably agree that the Bangladesh Law & Orders shall have exclusive jurisdiction to hear, settle and/or determine any dispute, controversy or claim (including any non-contractual dispute, controversy or claim) arising out of or in connection with these Terms, including any question regarding the existence, validity, interpretation, formation, performance, discharge or termination of the Services and the Terms. For these purposes, you and BANGLA CHAT irrevocably submits to the jurisdiction of Bangladesh. However, nothing in this paragraph limits the right of BANGLA CHAT to bring proceedings, including third party proceedings, against you in any other court of competent jurisdiction (for example in your country of residence), and the bringing or continuing of proceedings in any one or more jurisdictions shall not preclude the bringing of proceedings in any other jurisdiction, whether concurrently or not, if and to the extent permitted by applicable law.

16.3    You and BANGLA CHAT agree that any cause of action arising out of or related to BOTIM Services must commence within one (1) year after the cause of action accrues, otherwise such cause of action is permanently barred.

17.  General

17.1    These Terms, together any other legal notices or policies published by BANGLA CHAT and applicable to you, shall constitute the entire agreement between you and BANGLA CHAT concerning the BANGLA CHAT Services.

17.2    If any provision of these Terms is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms which shall remain in full force and effect.

17.3    These Terms and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by BANGLA CHAT without restrictions.

17.4    No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and BANGLA CHAT’s failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

17.5    Should you need to contact BANGLA CHAT at any time to discuss any part of these Terms, make a complaint or suggestion, please contact BANGLA CHAT at info@banglachat.net.

17.6    If you have an issue or you need help accessing BANGLA CHAT Services, you can first consult the FAQ on BANGLA CHAT Site at https://banglachat.net. If you do not find and answer to your query and still encounter the issue, you can either use the function ‘contact us’ on BANGLA CHAT Site or email BANGLA CHAT support team directly at info@banglachat.net.

BANGLA CHAT Wallet (“Wallet Badge”) grants Users (“User” or “you”) access to digital content or features that may be provided to you by BANGLA CHAT. These Wallet Terms (“Terms”) outline the guidelines in using BANGLA CHAT Wallet. Please note that we have prepared specific terms and conditions which govern some of the other related products and services that may be available to you via BANGLA CHAT, which can be found here https://banglachat.net:
1. After you successfully complete the verification process, your verified Wallet will be displayed:
(a)       On your profile;
(b)       In the comments section next to your profile picture;
(c)        In search results next to your name and profile picture;
(d)       In direct messages next to your profile picture.
2. You permit BANGLA CHAT to display the Wallet on your profile. You are entitled to opt-out or hide the Wallet by adjusting your accounts privacy settings.
3. You agree to comply with all laws applicable to your use of Wallet.
4. BANGLA CHAT can terminate or suspend your use of Wallet at any time in its sole discretion and may change or stop offering Wallet at any time in its sole discretion. In no event will