How These Terms Sit Against Local Law
baji123 operates under the laws that apply where you are, and nothing written here overrides them. If a clause conflicts with a rule in your jurisdiction, the local rule takes precedence and that clause simply does not reach you. Access is offered in eligible regions only,
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so check your own law before you open an account or send money through bKash, Nagad or Rocket — that decision is yours, not ours to make for you. Payment clauses are written the way the wallets actually behave. When you cash in, you send from
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a wallet held in your own name; the receiving number appears inside your logged-in wallet page, never in an email or a message from someone claiming to be us. Withdrawals return to the same wallet you funded from, in taka, once the verification step on your
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account clears. Third-party transfers are refused, and a mismatch between the wallet name and the account name lets us park the request while we ask you for ID. We revise these terms when the platform, the payment rails or the law changes. The new version lands
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on this page with the date it takes effect, and continued use of your account after that date counts as acceptance. Disagree with a change? Stop using the account and request closure before the effective date. Clauses on multiple accounts, fraud, chargeback attempts and abusive behaviour
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outlive closure, because they cover things that may already have happened.
Service availability depends on eligible regions and local law. Users should check local rules before opening an account.