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Terms & Condition


Welcome to aamarPay App!

This Agreement is a contract between you and Soft Tech Innovation Ltd. (a.k.a. aamarPay App), a Bangladeshi company, that governs your use of aamarPay App Services. You must agree with of the terms and conditions of this Agreement including the Privacy Policy and other policies of Soft Tech Innovation Limited (aamarPay / aamarPay App). You should read all of these terms carefully before accepting the agreement.


Your account may be suspended, closed or your access to aamarPay App services and/or funds may be limited if you breach this agreement or any other policies you agreed with Soft Tech Innovation Ltd a.k.a aamarPay / aamarPay App. It is your sole responsibility to understand and comply with any and all rules, regulation and laws of the jurisdictions applicable to you in connection with your use of aamarPay App Services. You are committed to follow the Rules and Regulations of the Govt. of Peoples Republic of Bangladesh, Bangladesh Bank and other related Regulators when using services provided by Soft Tech Innovation Ltd a.k.a aamarPay / aamarPay App. You will be accountable for any unlawful use of your aamarPay App Account.

1. Services and Eligibility.
1.1. aamarPay App Services.
Soft Tech Innovation Ltd. (aamarPay / aamarPay App) is a complete payment solution of Bangladesh and beyond. aamarPay App is a secure bill payment ecosystem that you may choose for your daily transactions. The transactions in aamarPay App can be performed from mobile devices or personal computers connected to the internet. Using this system, you will be able to recharge mobile or pay utility bill with other aamarPay App members and make payments for purchases, utilities, and other services in a cashless form in compliance with local laws and regulations.

aamarPay App Account holders have the sole responsibility of their account including but not limited to the products or services that they sell or buy using the aamarPay App platform. You will use aamarPay App with integrity when making or realizing any payment through aamarPay App platform, aamarPay App will not be liable for your transactions.

It is to be understood that aamarPay App Account holders can use this system only for buying or selling products or services which are lawful within the jurisdiction of Bangladesh; if any account holder carries out transaction for any unlawful product or service, the account holder will be solely liable for the transaction and aamarPay App will be held indemnified for any legal action taken against it.

1.2. Age Eligibility.
Individuals aged 14 years or older will be eligible for using aamarPay App Services. aamarPay App maintains a strict non-discrimination policy for use of aamarPay App services. Any individual aged 14 years or older will be eligible for using aamarPay App irrespective of cast, creed, faith, gender, nationality or any other individual identity.

1.3. Identification.
You must provide correct and updated information to Soft Tech Innovation Ltd a.k.a aamarPay / aamarPay App for opening and maintaining your account. You need to upload a copy of your valid National ID/passport, Tax Identification Number (TIN) at the time of opening your aamarPay App Account. “Identification” profile of your account in the Account Settings option should be updated with valid identification documents, address of residence and other required information as and when required.

a. Your contact information.
You should keep your mobile number and primary email address updated at your own responsibility for receiving electronic communications from aamarPay App. aamarPay App will consider to have provided any information to you effectively when we send email to your primary email address given in your aamarPay App profile. You must ensure that the mobile number and/ or email address is not outdated, incorrect or blocked by your service provider. If your mobile number and/ or email become invalid and communications are returned to aamarPay App, then we may consider your account as inactive and block any transaction as long as we are not provided with a valid mobile number and/ or email address.

b. Identity Verification.
aamarPay App may validate your identity and may take the assistance of third parties to make inquiries about the information you provide to Soft Tech Innovation Ltd a.k.a aamarPay / aamarPay App. For the process of verifying information, you may need to provide further information or documentation, including but not limited to TIN/NID, or follow directed procedures to confirm ownership of your email address, bank account, etc. These information may be requested through third party if required.

Any objection on your part to provide further information or documentation as requested by aamarPay App shall constitute ineligibility for using aamarPay App services.

1.4. Ownership.
You must be the owner of the Account, and conduct business on behalf of yourself only. Letting any other individual have access to your account shall render your account ineligible and the account shall be subjected to further penal procedures as per policy of aamarPay App.

2. Financial Transaction.
2.1. Transaction Limits.
We may, at our discretion, impose limits on the amount of money you can send, request or pay through the aamarPay App as well as the amount of money you can add or withdraw from your aamarPay App account. We may increase your transaction limits in tiers according to the extent your account is verified and the activity of your aamarPay App account.

2.2. Fees.
When you use aamarPay App financial services, applicable fees will be charged from your account as and when applicable. You must have enough balance in your account for processing the transaction along with applicable fees and charges. Applicable fees may be revised and increased as and when required.

3. Receiving Payment.
3.1 No Extra Charges.
You agree that you will not include any extra charges on your product or service for accepting aamarPay App as a payment method.

3.2 Personal Payments for Sales.
If you are selling goods or services, you may not ask the buyer to send you a Personal Payment as ‘Send Money’ for the purchased item.

4. Account Balances.
The balance you hold in your aamarPay App account will be maintained with the highest level of integrity. We will keep your balance in a pooled account along with other aamarPay App members’ balance; this balance will not be used for corporate or any operational expenses. You agree to maintain balance in your aamarPay App account without any interest. aamarPay App may receive interest on amounts that aamarPay App holds on your behalf. You agree to assign your rights to aamarPay App for any interest derived from your funds.

Your balance in the pooled account shall remain indemnified from any irregular transaction carried out by any other aamarPay App account holder.

5. Account Closure.
5.1 Account Closing Steps.
You may close your Account at any time by following the instructions in your aamarPay App Account. You must withdraw your balance prior to closing your Account. Any bonus balance or offer associated with your account will no longer be available for you.

5.2 Limitations on Closing Your Account.
If you close your Account while we are conducting an investigation, we may hold your funds to protect aamarPay App, Affiliates or a third party against the risk of fees, fines, penalties and other liability. You will remain liable for all obligations related to your Account even after the Account is closed.

6. Unauthorized Transaction or Errors.
6.1 Safeguard for Unauthorized Transaction or Errors.
In order to protect your account from unauthorized transaction, aamarPay App will reimburse the amount equivalent to unauthorized transaction or error that is eligible for the safeguard according to the procedure described below.

Transactions are considered unauthorized when aamarPay App services are used to transfer money from your account without your authorization. If you give your login information to any other person and they carry out transactions from your account without your permission, these transactions will not be safeguarded by Soft Tech Innovation Ltd a.k.a aamarPay / aamarPay App

6.2 Eligibility for Safeguard.
a. To be eligible for the safeguard you must notify us within 5 working days after, or within a reasonable time of your notice of, any unauthorized transaction appears in your activity feed or transaction history. You should access your account regularly and review account activity for ensuring that unauthorized transactions are not being carried out from your account. If you enable the option of receiving email notification to your email address for activities of aamarPay App account, you’ll also receive email alerts for having overview of your account activities.


Notify aamarPay App immediately if you find that –

Your aamarPay App Mobile Application Activated phone is stolen or lost, or
Your aamarPay App password or PIN has been revealed to anyone else, or
Your account has been accessed by anyone unauthorized, or
There had been any unauthorized transaction or error in your account activity or transaction history, or
Any other suspicious activity or transaction in your account.
c. Send your notification with your name, phone number, email address, amount of the unauthorized transaction or error and explanation of why you identified the transaction as unauthorized. You can notify us by:

Writing to Soft Tech Innovation Ltd a.k.a aamarPay / aamarPay App

53, Gausul Azam Avenue, Sector 14, Uttara, Dhaka-1230, Bangladesh
Sending email to support@aamarpay.com or support@aamarPay App.xyz with subject line ‘Unauthorized Transaction or Error’ or
Calling to +8801971-272324
If you send us the notification by calling to the mobile number, we may ask for written complaint, question or additional information required for processing

6.3 aamarPay App Errors.
In case we detect any error in aamarPay App transaction, we will rectify it as soon as possible. If less fund is transferred to your account than the actual amount, aamarPay App will add the fund to your account. Similarly, if an excess fund is transferred to your account, the excess fund will be removed from your aamarPay App account. In all the cases described above, you shall be notified before any rectification is carried out in any of your transaction.

6.4 Your Errors.
If you send incorrect amount of money to any person, or make a transaction with any other individual other than intended person, due to typing mistake, haste or any other reason, aamarPay App will not protect you with the safeguard for unauthorized transaction or error. You will be solely responsible for your error and will have to settle with that person without requesting any involvement of Soft Tech Innovation Ltd a.k.a aamarPay / aamarPay App

6.5 aamarPay App actions against your notification.
We will investigate the reported unauthorized transaction or error to determine its eligibility for safeguard. We will conduct an investigation and determine the eligibility of safeguard; aamarPay App’s decision about the eligibility will be considered final.

We will conduct our investigation as soon as possible from the date of receiving the notification or if we detect any suspicious activity from your account. We will send you an email with the decision of our investigation and will reimburse you for the error or unauthorized transaction.

7. Acceptable Use Policy.
You will not abuse the payment platform of aamarPay App by conducting any of the prohibited activities, unlawful activities or transactions requiring approval before taking the permission of Soft Tech Innovation Ltd a.k.a aamarPay / aamarPay App

7.1 Prohibited Activities.
a. General Prohibitions
You agree to avoid the following activities while using aamarPay App

Breaching this agreement, privacy policy or any other agreement you have entered into with us,
Violating any law or regulation,
Violating copyright, trademark, patent of aamarPay App or any other third party,
Engaging in potential suspicious or fraudulent activity or transaction,
Refusing to confirm or provide your identity or any other information requested for any investigation,
Providing misleading or false information,
Using aamarPay App services in a way that may result in disputes, complaints, fines, penalties or any other liability to aamarPay App, our users, any third party or you,
Distributing or disclosing user’s information for marketing purpose without the explicit consent of the user,
Collecting unsolicited payments through aamarPay App,
Using the system in a manner which imposes unreasonable or disproportionately large load on our infrastructure,
Facilitating any virus, worm or Trojan horses or any other malware that is damaging and interfering to our system or data,
Undertaking any action that might hamper the services that we receive from our payment processors, banks, internet provider or other suppliers,
Monitoring or copying our website using proxy, robot or manual process without prior written permission of aamarPay App.
Explanation: copyright, trademark, patent or any other term used above are to be meant and construed in their usual, ordinary sense or definitions attached with them under relevant laws of Bangladesh.

b. Restricted trade and transactions
When you buy or sell any product through aamarPay App make sure that you are not making any transaction involving:

ammunition, firearms, combat or tactical knife, weapons or related accessories, or
narcotics, drugs and tobacco products, or
antic or obscene items, or
stolen or counterfeit goods, or
sexually oriented material or services, or
items promoting violence, hate or racial intolerance, or
multi-level marketing program, or
off-shore banking, lottery or annuity, or
debt settlement service, credit transaction or insurance activities, or
offering or receiving payments for bribery or corruption, or
check cashing or currency exchange business, or
payment collection on behalf of a merchant, or
any other contraband goods or illegal items.
8. Generic Terms.
8.1 Indemnification.
You agree to unconditionally indemnify aamarPay App, our affiliates, employees, directors, agents and suppliers from any demand, claim, fine or other liability incurred by third party arising out of the breach of this agreement. The foregoing parties will not be liable for any lost profit or consequential damage arising out of unlawful use of aamarPay App services. The mentioned parties will only be liable for the actual amount of direct damage if it is caused by aamarPay App error.

8.2 Availability and nature of service.
aamarPay App is a payment platform. It does not provide banking, fiduciary or trustee services. aamarPay App is not liable for the services and products whose transactions are made using aamarPay App Services. We cannot guarantee that the buyer or seller you are dealing with is authorized or will complete the transaction.

Since aamarPay App services are dependent on many factors outside our control and we may need to suspend the online availability for upgradation and the maintenance of the system, we cannot provide any warranty about the amount of time needed to complete any transaction. aamarPay App will make reasonable effort to run smooth and prompt functioning of the system within our limitation.

8.3 Intellectual Property.
“aamarPay App.com.bd”, “aamarPay Apptk.com”, “aamarPay App” and all other logos, custom graphics, trademarks and URL related to aamarPay App services may not be copied or used without written consent of aamarPay App Systems Limited. Any technology created or derived from aamarPay App services are the exclusive property of aamarPay App and its licensors.

8.4 Securing your Password.
You should maintain the security of your aamarPay App account by controlling and making sure that all IDs, passwords, PINs or other codes that you use for accessing aamarPay App services are secured and not revealed to any other person.

8.5 Communication with you over Phone.
You agree to receive phone calls and messages from aamarPay App Systems Limited including autodialer and prerecorded messages regarding your use of aamarPay App services or verification purpose. The phone number that you provide to aamarPay App must be active and stay in your possession as we may request information for verification purpose by contacting you over the phone. Your voice and conversation with aamarPay App over the phone may be recorded for resolving complaints, detecting fraud and ensuring security.

8.6 Tax.
It is your responsibility to determine the taxes applicable to your transactions in aamarPay App and you should pay the taxes to appropriate authority at your own responsibility. aamarPay App is not responsible for determining, collecting or reporting taxations arising from your transactions. aamarPay App shall remain indemnified from any claim of tax, VAT or any other public charges applicable on any of your transaction.

8.7 Agreement Survival, Amendment and Termination.
If any section/provision of the agreement is rendered invalid, it will be changed or removed while the remaining sections/provision will stay valid. aamarPay App Systems Limited holds the right of making any amendment/correction of any terms of services from time to time in future. These modified amendments will be effective just after being posted in the website.

aamarPay App at its sole discretion, reserves the right to terminate this agreement or any of its service for any reason at any time by refunding all unrestricted funds in your aamarPay App account.

8.8 Assignment of Rights.
You may not assign or transfer your rights and obligations that you have entered into by signing/agreeing with this agreement to anyone else without aamarPay App’s written permission. aamarPay App reserves the right to assign or transfer this agreement or any obligation or right under this agreement at any time.

8.9 Translation of this Agreement.
If you read any translated version of this agreement, it had been translated solely for your convenience of understanding the agreement. If any discrepancy arises between the translated agreement and this English agreement, the English version of the agreement will prevail and be enforced.

8.10 Instructions given by you on your account.
When you give any authenticated instruction (verbal or written) to be carried out on your account, aamarPay App will carry out the instruction accordingly. aamarPay App will not be liable for the consequences of the actions on those instructions as those were delivered by you.

8.11 Authorization.
When you add your bank account to aamarPay App account for carrying out transaction between your aamarPay App account and bank account, you are authorizing aamarPay App to debit or credit fund to and from your aamarPay App account to aamarPay App’s official account according to your instructions and terms of this agreement. You also authorize aamarPay App to take necessary steps and request addition information and/or document from you or your bank for verifying the credibility of your bank account.

9. Members’s Protection.
Members can lodge their complaints of dispute with buyer or seller by calling directly to call center, email, via app & web, aamarPay App official Facebook page, Facebook Messenger etc. aamarPay App will initiate the action required for addressing the complaint within a month of receiving it. aamarPay App has been maintaining call center operation from 8 am to 10 pm for assisting its’ valued members and managing the complains accordingly

If the investigation of the complaint reveals that member has filed a wrong allegation to gain other benefit or harass the opposite party, the monetary amount of the complaint will be realized from his/her aamarPay App account along with other fines and penalties. Even it can also be suspended or permanently closed if found associated with such wrongful allegation. The Account holder will be notified before any of the above action is taken.

9.1 Buyer’s Protection.
For being eligible for aamarPay App buyer’s protection, buyer must complete the payment of the purchase to the seller and have an aamarPay App account of good standing. Buyers need to agree not to mediate the dispute of purchase through any other means if he/she wants the safeguard of Buyer’s Protection from aamarPay App. One can seek aamarPay App Buyer’s Protection if

He/she has not received the item that you have paid for, or
The item he/she has received is ‘not described accurately’ by the seller, or
He/she received the wrong number of items.
The ‘not described accurately’ items are the sold products that are materially different from what the seller has described on website or in the listing. Some examples are:

Buyer received a completely different item. For example, he/she purchase a pen but receive a wall clock.
The condition of the item is misrepresented. For example, the description when the buyer has bought the item was said ‘new’ but the item he/she received was ‘used’.
The item is missing major parts or features which were not disclosed in its description when the buyer purchased the item.
The item was materially damaged during shipment.
A buyer cannot claim for Buyer’s Protection if the item of claim had been described accordingly or was custom made for his/her order. An item is “described accordingly” if it is similar to the Seller’s description of the item. Some examples are:

Defect in the items was correctly described by the Seller, or
The item was properly described but the buyer did not want it after receiving, or
The item was properly described but did not meet the buyer’s expectation, or
The item has minor defect and was listed as used condition.
Eligibility: To be eligible for aamarPay App Buyer’s Protection, one must meet the following requirements;

Full amount of the item should be paid with a single payment from his/her aamarPay App account, and
The disputed item must be a physical item that can be shipped to his/her address, and
The buyer must not have received any compensation amount related to disputed purchase from another source, and
The buyer should have an updated profile and significant transactions in his/her aamarPay App account.
If the buyer is eligible for aamarPay App Buyer’s protection and the investigation of aamarPay App concludes in favour of his/her claim, aamarPay App will arrange for the refund of the price paid for the purchase of the disputed item. 

Resolution Process:

When the complaint of dispute is filed to aamarPay App, both buyer and seller will be notified about the dispute. Both the parties will have the opportunity of resolving the dispute through mutual agreement on condition that they will update aamarPay App about the status of the dispute. If the dispute is not settled by mutual agreement, either of the party may escalate it to claim. Once a dispute has been escalated to a claim, aamarPay App will make a final decision in favour of the buyer or the seller. Buyer will be asked to provide necessary documents that aamarPay App requires for proceeding with the investigation. aamarPay App retains full right to make a final decision in favour of buyer or seller according to the outcome of the investigation. When aamarPay App makes a final decision regarding the dispute, both party must comply with aamarPay App’s decision. Generally, buyer will be required to ship the item that he/she claimed as ‘not described accurately’ back to the seller (at his/her own expense), and the seller will need to accept the item back and refund the buyer the full purchase price plus original shipping cost. In the event a seller loses the claim, he/she will not receive a refund on his/her aamarPay App fees associated with the transaction.

In the resolution process described above, both buyer and seller must agree to hold aamarPay App indemnified from any claim either from the buyer or the seller.

Claims filed with Seller or other third parties:

Buyer agrees not to file a Dispute/Claim under aamarPay App Buyer Protection if he/she already filed a claim with the Seller or another third party.

No Double Recovery:

Buyer will not be able to receive a recovery for a purchase under aamarPay App Buyer Protection if he/she already received a recovery for the disputed purchase directly from the seller or another third party.

9.2 Seller’s Protection.
Seller can lodge a complaint to aamarPay App about dispute under aamarPay App seller’s protection if he/she has delivered the ordered item to the buyer but had not received any payment for it.

If the seller is holding a business account in aamarPay App, he/she agrees to settle the legitimate claim or dispute filed for purchases under aamarPay App Buyer’s protection. The requirements stated in resolution process and eligibility buyer’s protection also applies for seller’s protection as appropriate. Additional seller specific points are included in this section.

Eligibility: Seller will be eligible for filing any dispute and receiving safeguard of seller’s protection from aamarPay App if:

He/she has supplied the product to the buyer in the shipping address mentioned in the order, and
He/she has a proof of Delivery/Shipment including the date, and
He/she has supplied product/item which matches with the specification mentioned in the invoice, and
He/she has supplied all part of goods/product in the condition described in the product description, and
He/she has provided aamarPay App with all the documents and information required for the dispute investigation.
Resolution Process:

The resolution process will have similar option of mutual settlement and can then be escalated to a claim as described in buyer’s protection. Seller will need to comply with the shipment requirement of seller’s protection and provide all necessary documents and information for aiding the investigation. Seller agrees to accept the final decision of aamarPay App regarding the filed claim. If aamarPay App decides in his/her favour then the sales invoice amount will be transferred to his/her account, after deducting the aamarPay App fees associated with the disputed transaction.

In above case, both the buyer and seller undertake that aamarPay App shall remain indemnified from any claim either from buyer or seller.

10. Action for your liability to aamarPay App.
You are responsible for all claims, fees, fines or other liabilities incurred by aamarPay App, third party or other user caused due to your breach of this agreement. You agree to reimburse the affected party for any liability caused due to your action.

10.1 Reimbursement of the liabilities.
The amount that you owe to aamarPay App against any liability will be immediately removed from your aamarPay App account balance. If you do not have enough balance, the existing balance of your account will be removed and you’ll need to reimburse the remaining amount to aamarPay App by adding money to you aamarPay App account within three working days.

10.2 Actions against Prohibited Activities.
If we have reason to believe that you have engaged any of the prohibited activity mentioned in section 7.1, we may take any or all of the following actions:

Suspend, close or limit your access to your aamarPay App account or specific aamarPay App service, or
Obtain Tk. 10,000 or more for each prohibited transaction or activity that you perform in aamarPay App Systems, or
Refuse to provide aamarPay App services to you at the time of detection of prohibited activity or anytime in future, or
Place your funds or specific transactions on hold for suspicion of an illegal transaction, fraudulent activity, etc.
In case of such action you will receive a prior notice.

10.3 Holds or Reserves
aamarPay App may place hold or reserve on your account balance for security of our users’ account and aamarPay App System. We will provide notice for our action and you will have opportunity for requesting restoration of your access if we deem it appropriate.

10.4 Transaction Profile Consistency.
aamarPay App will monitor activities and transaction in your profile and set privilege classes and status for your account. The privilege classes and account status will have preset Transaction Profile for each of them. Your daily and periodic transaction should be consistent with the Transaction Profile for your account class and status

11. Dispute Settlement Guide.
11.1 Inform aamarPay App First.
In case any dispute arises between you and aamarPay App, you will inform aamarPay App immediately. We affirm you that we will address your concern and provide you with a neutral and cost effective mean of settling the dispute quickly. You can inform us by:

writing to Soft Tech Innovation Ltd a.k.a aamarPay / aamarPay App.

53, Gausul Azam Avenue, Sector 14, Uttara, Dhaka 1230
Sending email to app@aamarpay.com | with subject line “Initial Dispute Notification” or
Calling to 01971272324

11.2 Arbitration.
In the event of controversy or claim, any dispute arising out of or in connection with this agreement, if not solved by mutual understanding shall be settled by arbitration. The arbitration shall be conducted by one or three arbitrators, who have at least ten years of experience in the particular field and also experienced as an arbitrator. The arbitration should be held in Bangladesh and the existing law of Bangladesh will be applicable in the arbitration.

11.3 Law and Jurisdiction of Dispute.
If either party is not satisfied by the dispute resolution through the arbitrator, the dispute and solution provided by the arbitrator can be extended to any court of Bangladesh after following the dispute settlement guideline of section 11.1 and 11.2. You agree to obey the instructions of the regulators which may be changed from time to time on Anti-Money Laundering Act-2012, Counter Terrorism Act-2009, Counter Terrorism Act (amended) -2012, Counter Terrorism Act (amended)-2013 and other such act/regulations which to be issued from time to time in future.

11.4 Litigation filed improperly.
All disputes and claims you have against aamarPay App should be resolved in accordance with section 11 of this agreement. Any cases filed by breaching this agreement will be considered improper, and aamarPay App reserves the right to recover fees and cost associated with the case and lawyer’s charge of minimum 10,000 Taka for improperly filed claims. You will be liable for the fees and charge if you fail to withdraw the claim promptly after receiving written notifications from aamarPay App.

11.5 Insolvency.
aamarPay App will be entitled to recover all associated cost according to this agreement even in case you are declared insolvent under the provision of any bankruptcy or insolvency law.

11.6 Communicating with you.
aamarPay App will communicate with you through your primary mobile number and/or email address, which you should keep updated at all time. It will be considered that you have received the electronic communication after 24 hours of posting it on our website or to your email address. Postal mail will be considered received within 5 business days of sending the mail.