Terms & Conditions - TopupFI Gaming Platform

1. Acceptance of Terms

By downloading, installing, accessing, or using the TopupFI mobile application ("App") or web platform ("Platform"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you may not use our services.

These Terms constitute a legally binding agreement between you and TopupFI. Please read them carefully before using our services.

2. Description of Service

TopupFI is an online platform that provides Gaming top-up and recharge services exclusively:

2.1 Balance Management Services

Secure account balance for storing funds (prepayment for services only)
Deposit money through authorized payment methods (bKash, Nagad, Rocket, Bank Transfer)
Real-time transaction history and receipts
Automatic balance tracking after each transaction
Refund processing for failed transactions

2.2 Gaming and Online Content

Gaming credits and virtual currency (PUBG Mobile, Free Fire, Mobile Legends, etc.)
Game top-up services for popular mobile games
Virtual items and prepaid credits
Processing times: 1-24 hours depending on provider

2.3 Virtual Currency and Rewards

In-app coins system for earning and redeeming rewards
Coins can be earned through: daily login bonuses, completing tasks, watching rewarded video ads
Coins can be used for: discounts on services, special offers, promotional items
Coins have NO cash value and CANNOT be exchanged for real currency
Coins do NOT expire unless account is terminated
We reserve the right to adjust coin values and earning mechanisms

2.4 Advertising and Monetization

App contains advertisements served by Google AdMob
Ad types include: banner ads, interstitial ads, native ads, and rewarded video ads
Rewarded ads offer optional coins in exchange for watching video advertisements
Ads may be personalized based on user activity and preferences
Users can opt-out of personalized ads through device settings

2.6 Important Service Limitations

We do NOT provide peer-to-peer money transfer services
We do NOT facilitate money transfers between users
We do NOT provide cash withdrawal or ATM services
We do NOT provide general banking or financial institution services
All services are limited to top-up, recharge, and content-related services only
We act as an intermediary platform connecting users with authorized service providers

This app is designed specifically for top-up and recharge services, not for general financial transactions or money transfers.

3. User Eligibility and Account Registration

3.1 User Eligibility

Recommended for users 18 years and older
Users under 18 may use the app with parental or guardian consent and supervision
Users under 13 require verifiable parental consent (COPPA compliance)
Parents or guardians are fully responsible for minors' usage and activities
You must be a legal resident of Bangladesh or authorized to use our services
You must provide accurate, complete, and verifiable information
You must not be prohibited from using online services under applicable law

3.2 Account Registration Process

Provide valid email address for Firebase Authentication OR use Google Sign-In
Create a unique username and secure password (if using email/password authentication)
Verify your email address before full account activation
Complete profile setup with accurate personal information
Optionally upload a profile picture/avatar
Accept FCM token collection for push notifications (optional but recommended)
Consent to terms of service and privacy policy

3.3 Account Security Responsibilities

Maintain the confidentiality of your account credentials
Use strong passwords and enable available security features
Notify us immediately of any unauthorized use or security breaches
Monitor your account activity regularly
Accept responsibility for all activities under your account
Keep your contact information up to date

3.4 Account Security and Compliance

We do NOT collect government-issued ID or identity verification documents for standard services
Identity verification may be required for high-value transactions or fraud prevention
For users under 18, parental supervision is required
For users under 13, verifiable parental consent is mandatory
We implement age-appropriate features and COPPA-compliant protections for children
We actively monitor for suspicious activity and abuse
Providing false information, especially age misrepresentation, may result in immediate account suspension

4. Account Balance Terms and Limitations

4.1 Account Balance Functionality and Purpose

Your account balance is NOT a bank account or financial institution service
Funds are held for the exclusive purpose of purchasing TopupFI services
Account balance represents prepaid credit for our services only
Funds cannot be used for any purpose other than TopupFI transactions
No interest is earned on account balances

4.2 Adding Funds to Account

Supported payment methods:

bKash: Instant processing with possible fees
Nagad: Instant processing with possible fees
Rocket: Instant processing with possible fees
Other authorized methods: As made available

We do NOT collect or store bank account details or banking transaction history. All payment processing is handled by third-party payment providers.

4.3 Account Balance Usage Restrictions

Funds can ONLY be used for TopupFI services (top-ups, recharges, online content)
Funds CANNOT be transferred to other users
Funds CANNOT be withdrawn as cash
Funds CANNOT be used for general payments outside our platform
Transactions require sufficient balance before processing
Failed transactions are automatically refunded to your account

4.4 Virtual Coins System

Coins are separate from wallet balance and have NO cash value
Coins can be earned by: daily login, completing tasks, watching rewarded ads, referrals
Coins can be used for: discounts, special offers, and promotional rewards
Coins CANNOT be transferred, sold, or exchanged for cash
Coins CANNOT be combined with certain promotions or offers
We reserve the right to adjust coin earning rates and redemption values
Abuse of coin-earning features (e.g., ad fraud) results in account termination
Coins are forfeited upon account closure or termination

4.5 Account Balance and Limits

No minimum balance required to maintain account
Maximum balance limits may apply based on verification level
Daily transaction limits may apply for security purposes
Account funds do not expire but inactive accounts may be subject to closure
We reserve the right to implement additional limits for security

5. Order Processing and Service Delivery

5.1 Order Placement and Confirmation

Orders are processed based on product availability and service provider capacity
All order details must be accurate before submission
Orders cannot be modified after confirmation and payment
You will receive confirmation via app notification, SMS, or email
Transaction history is maintained in your account

5.2 Processing Times by Service Type

Mobile top-ups: Usually instant, maximum 5 minutes
Gaming credits: 1-24 hours depending on provider
Virtual content: Up to 24 hours
International services: Up to 48 hours
Bill payments: 1-3 business days

5.3 Service Delivery and Completion

Electronic receipts are automatically generated and stored
You will receive delivery confirmation for all services
Contact support immediately if services are not received within stated timeframes
We maintain records of all completed transactions for your reference

5.4 Failed Orders and Refund Process

Failed orders are automatically refunded to your account within 5-10 minutes
Partial failures result in partial refunds
System errors causing delays will be communicated promptly
Duplicate transactions are eligible for automatic refunds
Manual refund requests are processed within 3-5 business days

6. Fees, Charges, and Pricing

6.1 Service Fees and Transparency

TopupFI may charge service fees for certain transactions
All applicable fees are clearly displayed before transaction confirmation
Fees are deducted from your account balance or added to payment amount
Fee structures are subject to change with prior notice

6.2 Payment Method Fees

Third-party payment providers (bKash, Nagad, Rocket) may charge additional fees
Currency conversion fees may apply for international services
Payment processing fees are separate from TopupFI service fees
All fees are disclosed before transaction completion

6.3 Pricing and Rate Changes

Service prices are determined by providers and may change without notice
Promotional pricing and discounts may be offered temporarily
Coupon codes and discounts are applied during checkout when available
Price changes do not affect orders already placed and confirmed

7. Refunds, Cancellations, and Disputes

7.1 Refund Eligibility Criteria

Virtual items are generally non-refundable once successfully delivered
Refunds are provided for confirmed service provider failures
Duplicate transactions are eligible for automatic refunds
Technical errors resulting in failed delivery qualify for refunds
Billing errors are promptly corrected and refunded

7.2 Refund Process and Timeline

Submit refund requests through in-app customer support
Provide transaction ID and detailed reason for refund request
Refunds are processed to original account or payment method
Processing time: 3-5 business days for most refunds
Automatic refunds for failed transactions: 5-10 minutes

7.3 Non-Refundable Situations

Successfully completed mobile top-ups that reached the recipient
Virtual codes that have been redeemed or used
Services fully delivered as described
Transactions older than 90 days (unless required by law)
User error in providing incorrect account details (case-by-case basis)

7.4 Dispute Resolution

Contact customer support first for all disputes
We will investigate all legitimate complaints
Documentation may be required to support your claim
Escalation procedures are available for unresolved issues

8. Prohibited Uses and User Conduct

8.1 Illegal Activities and Fraud

Money laundering, terrorist financing, or any illegal financial activities
Fraud, identity theft, impersonation, or providing false information
Violating any local, national, or international laws
Tax evasion or other financial crimes
Using stolen payment methods or unauthorized accounts

8.2 Platform Abuse and Security Violations

Creating multiple accounts to circumvent limitations or policies
Using automated tools, bots, or scripts to access our services
Attempting to hack, compromise, or gain unauthorized access to our systems
Interfering with other users' access to services or app functionality
Reverse engineering or attempting to extract source code

8.3 Commercial Misuse and Unauthorized Usage

Reselling services without explicit authorization from TopupFI
Using services for commercial purposes without a business agreement
Price manipulation, arbitrage, or unfair market practices
Violating service provider terms or engaging in prohibited activities

8.4 Advertising and Rewards Abuse

Using bots, scripts, or automated tools to watch rewarded ads
Creating multiple accounts to exploit ad rewards or coin systems
Manipulating ad impressions or clicks (ad fraud)
Attempting to bypass ad viewing requirements
Interfering with ad delivery or tracking mechanisms
Providing false information to earn coins or rewards fraudulently

8.5 Expressly Prohibited Activities

Attempting to use the app for general money transfers between users
Providing false personal information, especially age misrepresentation
Using the app for unauthorized gambling or illegal activities
Using the platform for any purpose other than authorized top-up and recharge services
Engaging in any activity that violates Google Play Store or Apple App Store policies
Circumventing parental controls or age restrictions

Violation of these terms may result in immediate account suspension, termination, and potential legal action.

9. Privacy, Data Protection, and Analytics

9.1 Data Collection and Processing

Our Privacy Policy governs the collection and use of your personal information and is incorporated into these Terms by reference. By using TopupFI, you consent to:

Collection and processing of basic personal data for service delivery
Google Sign-In authentication (name, email, profile picture when using this method)
Firebase Analytics tracking for app improvement
Crashlytics error reporting for app stability
Google AdMob advertising and Advertising ID collection
Device information collection for security and ad personalization
FCM token collection for push notifications (when permitted)
Image uploads to third-party service (ImgBB) for avatars and task screenshots
Enhanced privacy protections for users under 18, with COPPA compliance for children under 13

IMPORTANT: We do NOT collect:

Government IDs or identity verification documents
Bank account details or bank transaction history
Financial records beyond what's required for our services

9.2 Data Sharing and Third Parties

We share limited information only with authorized partners:

Firebase/Google Cloud: For data storage, analytics, authentication, and cloud messaging
Google AdMob: For ad serving, personalization, and monetization (Advertising ID, device info, usage data)
Google Sign-In: For authentication services (when used)
ImgBB: For image hosting (user-uploaded content only)
Payment processors: For payment processing (bKash, Nagad, Rocket)
Mobile operators: For top-up services (service-specific data only)
Legal authorities: When required by law

9.3 Data Security and International Transfers

We implement industry-standard security measures
Data is processed in Bangladesh, Singapore (Firebase), and United States (some Google services)
All transfers are protected by appropriate safeguards
You have rights to access, correct, and delete your personal data

10. Service Availability and Modifications

10.1 Service Availability

Services are provided on an "as available" basis
We strive for 99.9% uptime but cannot guarantee uninterrupted service
Scheduled maintenance will be announced in advance when possible
Emergency maintenance may occur without prior notice

10.2 Service Modifications and Updates

We reserve the right to modify, suspend, or discontinue services at any time
App updates may be required for continued access
New features may be added or removed at our discretion
Service provider changes may affect available products

10.3 Geographic and Technical Limitations

Services are primarily designed for users in Bangladesh
International services may have different terms and limitations
Technical requirements may limit service availability on certain devices
Internet connectivity is required for all services

11. Limitation of Liability and Disclaimers

11.1 Service Disclaimers

Services are provided "as is" without warranties of any kind
We do not guarantee availability of specific products or services
Service provider limitations and outages are beyond our control
We are not responsible for third-party service failures

11.2 Limitation of Liability

Our liability is limited to the amount of the specific transaction in question
We are not liable for indirect, consequential, or punitive damages
Service provider failures do not constitute TopupFI liability
Maximum liability in any case does not exceed BDT 10,000

11.3 Force Majeure

We are not liable for delays or failures due to circumstances beyond our control
This includes natural disasters, government actions, service provider outages
We will make reasonable efforts to restore services as quickly as possible

12. Account Termination and Data Retention

12.1 Account Termination Rights

You may close your account at any time through app settings or customer support
We may suspend or terminate accounts for terms violations
Immediate termination may occur for illegal activities or fraud
Repeated policy violations may result in permanent account closure

12.2 Effects of Account Termination

Access to services will be immediately suspended
Remaining account balance may be refunded subject to verification
Transaction history will be retained as required by law
Personal data will be handled according to our Privacy Policy

12.3 Data Retention After Termination

Transaction records: 7 years (regulatory requirement)
Account information: 1 year after closure
Analytics data: 26 months (Firebase default)
Advertising data: 18-24 months (AdMob policy)
Coin transaction history: Until account closure + 90 days
User-generated content (images): Deleted within 30 days of account closure
Support communications: 3 years

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms are governed by the laws of Bangladesh. Any disputes will be resolved according to Bangladesh legal procedures and regulations.

13.2 Dispute Resolution Process

Direct Resolution: Contact customer support first
Escalation: If unresolved, escalate through formal complaint process
Mediation: Consider mediation before legal action
Legal Action: Bangladesh courts have exclusive jurisdiction

13.3 Class Action Waiver

You agree to resolve disputes individually and waive any right to participate in class action lawsuits or group arbitrations.

14. Changes to These Terms

14.1 Modification Rights

We reserve the right to modify these Terms at any time to reflect:

Changes in our services or business model
Legal or regulatory requirements
Industry best practices and security improvements
User feedback and operational needs

14.2 Notification of Changes

When we make significant changes:

We will notify you through the app or email
Updated Terms will be posted with revision date
Continued use constitutes acceptance of updated Terms
You may close your account if you disagree with changes

15. Contact Information and Support

15.1 Customer Support

In-App Support: Use the customer support feature (preferred method)
Email: support@topupfi.com
Response Time: Within 24 hours for most inquiries
Available: 24/7 through the app

15.2 Business Address

TopupFI Customer Service
123 Tech Plaza, Level 5
Banani Commercial Area
Dhaka 1213, Bangladesh

15.3 Legal and Compliance Inquiries

For legal, compliance, or regulatory inquiries, contact us through official support channels with "Legal Inquiry" in the subject line.

16. Final Provisions

16.1 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

16.2 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and TopupFI regarding your use of our services.

By using TopupFI services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

These Terms and Conditions are effective as of November 2025 and govern your use of all TopupFI services.