1. Introduction
These Terms of Service (“Terms”) constitute an agreement between you (“User”, “Merchant”, “Customer”) and BWB PAY (“we”, “our”, “us”). By accessing or using our website (https://buildwithbytes.shop/) and services, you agree to be bound by these Terms.

2. Services

  • BWB PAY offers a payment gateway solution that enables the acceptance of digital payments through bKash, Nagad, Rocket, and other mobile financial services (MFS) in Bangladesh.

  • We act solely as a payment processor. We are not responsible for the products or services you sell using our platform.

  • We do not guarantee that all transactions will always be successful or uninterrupted.

3. Eligibility

  • You must be at least 18 years old to use BWB PAY.

  • You are responsible for ensuring that all information you provide (merchant account, API keys, MFS details, etc.) is accurate and up to date.

  • The service may not be used for fraudulent, illegal, or prohibited activities.

4. Fees and Charges

  • Each transaction processed through BWB PAY is subject to a transaction fee determined by us.

  • Fees may change from time to time. Updated fees will apply to future transactions.

  • All charges will be calculated in Bangladeshi Taka (BDT) unless otherwise specified.

5. Refunds and Cancellations

  • Refund policies are determined by you (the Merchant). Customers must contact you directly for product/service-related refunds.

  • BWB PAY may facilitate refunds only under specific conditions, in line with our policies and applicable laws.

  • Refund processing may take time depending on the payment provider (bKash/Nagad/Rocket).

6. Limitation of Liability

  • BWB PAY is not liable for any indirect, incidental, or consequential damages, including but not limited to loss of profits, data, or business opportunities.

  • We are not responsible for service disruptions caused by third parties, force majeure events, or technical failures beyond our control.

7. Privacy and Data Protection

  • We collect and process personal information in accordance with our Privacy Policy.

  • Sensitive data such as payment details are secured with encryption and other industry-standard practices.

8. Changes to Terms

  • BWB PAY reserves the right to update or modify these Terms at any time.

  • Updated Terms will apply immediately after publication on our website.

  • If you do not agree with the changes, you must stop using our services.

9. Termination

  • Either you or BWB PAY may terminate this agreement at any time.

  • We may suspend or terminate your account if we suspect fraud, illegal activity, or violation of these Terms.

10. Governing Law

  • These Terms will be governed by and interpreted under the laws of Bangladesh.

  • Any disputes will be resolved in the courts of Dhaka, Bangladesh.