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What Our Terms Cover

These terms are the one page that explains what you agree to when you open a wallet with 90ko: how money comes in through bKash, Nagad and Rocket, when a cash-out can be held, and what we expect from each other.

Plain-English wordingbKash, Nagad and Rocket coveredAccount and wallet rulesDated revisions
90ko What Our Terms Cover
POLICY CONTACT

How To Reach Us About A Clause

A clause not matching what you see on your account? Tell us before you act on it. Our Bangladesh support desk handles questions about wallet verification, held withdrawals and what a particular clause means for your situation. Keep two things handy: your account number and the revision date printed above the first clause of this page. With those, the first reply tends to settle the question instead of turning into a long exchange.

In-account support chat Signed-in accounts can raise a question straight from the wallet screen. Paste the clause number and describe what happened, and the reply comes back inside the same chat thread so nothing gets lost.
Email from your registered address Write to us from the email on your profile, because it proves the account is yours. Attach a screenshot of an error or a wallet receipt and the answer gets specific quickly.
Wallet verification desk Name mismatches, failed bKash transfers and holds on a Nagad or Rocket cash-out all land here. Send the transaction ID from your wallet app and we can trace it against your account record.
DATA AND ACCESS

What We Do With Your Details

Two things protect an account more than any paragraph in these terms: a password only you know, and an OTP that lands on your own phone. We hold deposit, withdrawal and sign-in records for the period the law requires and for as long as a dispute stays open, then clear them on a set schedule. Cookies on this site do small jobs — remembering your language and keeping your session alive between pages. Want details corrected or the account closed? Ask from the registered email and we'll take you through the steps.

Sign-in and OTP

Every sign-in sends a one-time code to your phone. Nobody at support will ask you for that code, and no genuine message from us will ever ask you to share your password.

Records we keep

We store your profile, wallet history and settled transactions. Records stay while the law requires them and while a dispute is live, then drop off on a scheduled deletion run.

Cookies on this site

Session cookies keep you signed in as you move between the lobby and your wallet. Language cookies remember your chosen setting. You can clear them in your browser at any time.

Corrections and closure

Ask for a correction or a closure from your registered email and we confirm the request back to the same address. Anything the law says we must retain stays; everything else goes.

Questions About Our Terms

The same handful of questions come up whenever someone reads these terms for the first time. Here are the honest answers, written the way we'd explain them in chat — covering acceptance, name matching on your wallet, revisions, eligible regions and what happens to your records when an account closes.

Yes. The tick box at registration confirms you've read them and that you're allowed to hold an account where you live. Without that confirmation, we can't create the account.

The wallet has to belong to you. A mismatch pauses the request until you confirm the details. Send the correct name and number through support and the hold gets cleared.

They can, and every revision is dated above the first clause. Changes to deposits, withdrawals or sign-in apply from that date. If you reject a change, the closure clause explains how to shut the account down.

That depends on your local law and eligible regions, not on us alone. We check at registration and can check again later. If your region isn't supported, we say so instead of leaving the account open.

Records the law requires us to keep stay for that period, then go on the deletion schedule. Profile details you can ask us to correct at any point. Send the request from your registered email.

No. Reading and accepting them costs nothing. Money only moves when you choose to add funds through bKash, Nagad, Rocket or Upay, and that step shows the amount before you confirm it.
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.