Terms & Conditions
Shadhinbd.com or the Shadhin Mobile Application (“Shadhin” or “Site” “App” or ‘Platform” or “we” or “our”) is a trade name owned and managed by Shadhin Fintech Solutions Limited is platform to bring together people who need funding and people who would like to get fund together which in summary can be described as a peer to peer funding platform. Shadhin is an attempt to build a close community that would share its resources with each other in all honesty and promote togetherness and growth of the community at an individual level and of the community as a whole. Shadhin’s endeavor is that an individual may come forward to support another individual in need. On the App, a visitor to the website could browse and search for people who are willing to fund, people who need funding, details of service providers such as verification agencies, collection agents and other such service providers that would provide services to either investors or to investees.
It is to be noted that Shadhin is neither a financial institution, nor runs a collective investment scheme or a chit fund or any other such financial scheme. As described above, it facilitates peer to peer funding between two entities.
Visiting our Platform, continuing to browse, registering therewith and/or using any of the services offered by Shadhin through the Platform, will be construed as your unequivocal and irrevocable acceptance and acknowledgement to the terms and conditions contained herein (the “Terms of Service”) and binding policies hereof. By using the Platform, you declare to have carefully read, understood and agree to be bound by these Terms of Service. Shadhin may at its sole discretion allow or disallow access to Platform and reserves the right to change any of the terms and conditions contained herein at any point in time.
If you do not agree to all the Terms, then you may not access the Platform or use any of the services. These Terms constitute an electronic record within the meaning of the applicable law (being the Bangladesh Information and Communication Technology Act, 2006 and Digital Security Act, 2018 and rules thereunder as may be updated or amended from time to time). This electronic record is generated by a computer system and does not require any physical or digital signatures.
SECTION 1 – USER’S ACCOUNT
You may be required to register and set up an account (“Account”) for using the Platform by entering details to be requested at the time of opening the Account or by using any permitted social media website account to sign in (“Account Information“). You are responsible for maintaining confidentiality of your own Account and password and for restricting access to your computer to prevent unauthorized access to your Account. You agree to accept responsibility for all activities that occur under your Account or password. You should take all necessary steps to ensure that the password is kept confidential and secure and should inform us immediately if you have any reason to believe that your password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorized manner. Please ensure that the details you provide us with are correct and complete and inform us immediately of any changes to the information that you provided when registering. Shadhin reserves the right to refuse access to the Platform, terminate accounts, remove or edit content at any time without providing you any notice.
SECTION 2 – ELIGIBILITY
You must be at the age of majority and be competent to enter into a contract under Bangladeshi contract law. If you are under the age of majority who is intending to avail the services of the Platform, you should do so through your legal guardian in accordance with applicable law.
If you are using the Platform on behalf of any corporation, company, institution, association or other entity, the person should be authorized by such corporation, company, institution, association or other entity to use and access the Platform.
Shadhin reserves the right to refuse access to use the Services offered at the Platform to new users or to terminate access granted to existing users at any time without according any reasons for doing so.
SECTION 3 – PRODUCTS AND SERVICES
In the Platform, Shadhin provides the user with access to investors, investees, service providers to investees, partners who facilitate funding and credit reports for investors and investees.
Given that all personal information in relation to investors and investees are provided by the respective users, Shadhin hereby disclaims any guarantee of exactness as to the authenticity of the information provided to the platform.
As part of visiting and/or investing through the platform, you warrant to agree and understand that Shadhin is only a platform that brings together investees and investors. Shadhin collects deposits from the investors or person who would like to get return on their money by funding. Shadhin only supports the investor in verifying the whereabouts of the investee on best effort basis and as such Shadhin does not provide any form of guarantee on behalf of any investee to an investor. Shadhin shall not be held liable for any failure by an investee or investor.
All prices of the items are set by the Merchants and are subject to change without notification at the sole discretion of the Merchants, and while every effort is made to ensure the accuracy of the prices displayed on the Platform, they are not guaranteed to be accurate. If any price is different from that displayed, the Merchant will inform you before dispatching the order and you will have the option of continuing with the order or cancelling the same.
Any transaction on the Platform between investee and investors is to be governed by the Shadhin Payment Terms & Conditions which shall form an integral part of these Terms between Shadhin and the user.
SECTION 4 – PLATFORM ACCESS AND LICENCE
Shadhin grants you a limited license to access and use the Site. This license does not include any downloading or copying of account information for the benefit of another vendor or any other third party; caching, unauthorized hypertext links to the Site or Platform and the framing of any Content available through the Platform, uploading, posting, or transmitting any content that you do not have a right to make available (such as the intellectual property of another party); uploading, posting, or transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; any action that imposes or may impose (in Shadhin’s sole discretion) an unreasonable or disproportionately large load on Shadhin’s infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools. You may not bypass any measures used by Shadhin to prevent or restrict access to the Site. Any unauthorized use by you shall terminate the permission or license granted to you by Shadhin. By using this Site and by accepting to agree to these terms and conditions you also agree that you shall not hack or otherwise hire some third party to hack the site or use any other unauthorized means without a written consent of Shadhin and access any third party information. You shall in such an event be liable of a criminal offence and Shadhin shall institute appropriate legal proceedings to claim damages. Shadhin also reserve rights to institute proceedings in accordance with the law relating to intellectual property rights violation or infringement available to it in case the misuse of this website is a person or an entity that belongs to out of Bangladesh. In any event, the jurisdiction to institute any protective proceedings shall vest with the Shadhin within the jurisdiction.
SECTION 5 – PROHIBITED USES
In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the Platform or its contents:
(a) for any unlawful purpose;
(b) to solicit others to perform or participate in any unlawful acts;
(c) to violate any international, federal, provincial or national regulations, rules, laws, or local ordinances;
(d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others;
(e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability;
(f) to submit false or misleading information;
(g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Services or of any related website, other websites, or the Internet;
(h) to collect or track the personal information of others;
(i) to spam, phish, pharm, pretext, spider crawl, or scrape;
(j) for any obscene or immoral purpose; or
(k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet.
You are solely responsible for all information that you submit to the Platform and any consequences that may result from your post. We reserve the right at our discretion to refuse or delete content that we believe is inappropriate or breaching the above terms. We also reserve the right at our discretion to restrict a User’s usage of the Platform either temporarily or permanently, or refuse a user’s registration. If we believe that you are breaching these Terms in any way and/or behaving suspiciously on or through the Platform, Services, applications or tools, we may, at our discretion, inform other Shadhin users that have been in contact with you and recommend them that they should contact you with caution.
We reserve the right to terminate your use of the Services or any related website for violating any of the prohibited uses.
SECTION 6 – MODIFICATIONS
We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our Platform. Such modifications shall be effective immediately upon posting on the Platform. It is your responsibility to check our Platform periodically for any update and changes. You can review the most current version of the Terms of Service at any time at this page. Your continued use of or access to our Platform or the Services following the posting of any changes to these Terms of Service constitutes acceptance of those changes.
SECTION 7 – Cancelation & Refund Policy
Shadhin Fintech Solutions Ltd. strongly recommends that all members – Lenders and Borrowers read, understand and familiarize themselves with our cancellation & refund policy prior to using any services of Shadhin.
In the event Shadhin agrees to provide the service to the customer but however subsequently unable to comply with a customer in some exceptional cases like- case of errors in transaction, funds withdrawn from non-borrowers account or other exceptional cases determined by management, Shadhin shall forthwith make a proper cancellation for giving effect to the same as well as provide the funds in their account to facilitate a refund to the customer. Customer can claim refund by contacting at firstname.lastname@example.org. No claim for refund shall be processed if it’s not claimed within 90 days of the transaction. Any refunds, if applicable within the purview of our refund policy, will be processed over a period of 7-10 working days. The refund policy is subject to change by Shadhin. The changes will apply after due legal diligence. Suitable announcements will be made on the website and legally-compliant notice period will be given before any changes come into force.
SECTION 8 – CONTACT INFORMATION
For more information regarding the Terms or if you have any queries or concerns you can contact us through our customer service at 01534-524-651 or You may also e-mail Your queries at email@example.com
SECTION 9 – PERSONAL
Shadhin have the right to cooperate with authorities in case of investigation or request for assistance by Government authorities in relation to claims or complaints that any content violates the law. The identity of advertisers, users or buyers may be determined, for example by an ISP. IP addresses may also be registered in order to ensure compliance with the terms and conditions.
SECTION 10 – PRIVACY
Shadhin will collect information from Users. It is a condition of the use of the Platform that each User consents and authorizes Shadhin to collect and use this information. Shadhin also reserves the right to disclose such information to its affiliates and subsidiaries and any other person for the purposes of administering, supporting and maintaining the Platform, as well as for improving the Platfrom, for example by using the information for research, marketing, product development and planning.
SECTION 11 – COOKIES
SECTION 12 – SITE/PPLATFORM AVAILABILITY
Shadhin do not guarantee continuous or secure access to the Platform. The Platform is provided “as is” and as and when available.
SECTION 13 – LINKS TO THIRD PARTY WEBSITES/APPLICATIONS
Shadhin may contain links or references to other websites or applications (‘Third Party Websites’). Shadhin shall not be responsible for the contents generated from or displayed on Third Party Websites. Third Party Websites are not investigated or monitored. In the event the user decides to leave the Platform and access Third Party Sites, the user does so at his/her own risk.
SECTION 14 – DISCLAIMER
We assume no responsibility whatsoever for the use of the Platform and disclaim all responsibility for any injury, claim, liability, or damage of any kind resulting from or arising out of or any way related to (a) any errors on the Platform or the content, including but not limited to technical errors and typographical errors, (b) any third party web sites or content directly or indirectly accessed through links in the Platform, (c) the unavailability of the Site, (d) your use of the Platform or the content, or (e) your use of any equipment (or software) in connection with the Platform.
SECTION 15 – INDEMNIFICATION
You agree to indemnify and hold Shadhin (and its officers, directors, agents, subsidiaries, joint ventures, and employees) harmless from any claim or demand, including reasonable attorneys’ fees, or arising out of or related to your breach of this terms and conditions, or your violation of any law or the rights of a third party including but not limited to breach of any warranties, representations or undertakings or in relation to the non-fulfillment of any of your obligations under this terms and conditions or arising out of violation of any applicable laws, regulations including but not limited to Intellectual Property Rights, payment of statutory dues and taxes, claim of libel, defamation, violation of rights of privacy or publicity, loss of service by other subscribers and infringement of intellectual property or other rights. This clause shall survive the expiry or termination of this T&C.
SECTION 16 – LIMITED LIABILITY
Shadhin, its associates and technology partners make no representations or warranties about the accuracy, reliability, completeness, current-ness and/or timeliness of any content, information, software, text, graphics, links or communications provided on or through the use of the Site or that the operation of the Site will be error free and/or uninterrupted. Consequently, Shadhin assumes no liability whatsoever for any monetary or other damage suffered by you on account of the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Site; and/or any interruption or errors in the operation of the Site. You expressly understand and agree that Shadhin and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if Shadhin has been advised of the possibility of such damages), resulting from use of the Site, sale and supply of Products content or any related goods and services.
This limitation of liability section shall prevail over any conflicting or inconsistent provision contained in any of the documents comprising this Agreement. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses and other items of a destructive nature.
The User further with immediate effect waive any right which had accrued to him from using the website to initiate any legal action against Shadhin. User also acknowledge that the credibility of an investor or an investee as depicted upon the website is based on the information that is provided to Shadhin. In case there is a non-disclosure of information to Shadhin of the information, and the judgment of Shadhin is impaired and the ratings or credibility of an investor or an investee is not found to be correct, Shadhin shall not be responsible for any claims or liabilities. Shadhin in any event is not responsible for any default in return of money that is funded from the investor and the investor shall have exclusive right to initiate proceedings against the defaulter investee. Shadhin do provide the necessary information and support to the investor. However, investor shall not make any claim against Shadhin and shall conduct an independent due diligence of the investee before funding it to him.
SECTION 17 – TRADEMARK
In case it comes to your knowledge that any member of this website has committed default or fraud or misrepresents his financial status than you may inform Shadhin in writing and upon receipt of such information Shadhin shall call upon such third party to explain the allegations made in your Notice and upon receipt of an explanation from such third party Shadhin shall in its own discretion decide as to whether such a person should be prohibited from using the website.
SECTION 18 – FORCE MAJEURE
Neither Party shall be in default of its delay in performance or failure to perform any of its obligations hereunder, when and if the delay or failure arises from a cause which is beyond the control of the party failing to perform. Such force majeure (which includes, inter alia, strikes, acts of God, acts of war, laws and regulations) would suspend the fulfillment of the obligations under this Agreement until it is over.
SECTION 19 – GOVERNING LAW
Shadhin is operated under the laws and regulations of Bangladesh. Users agree that Courts of Bangladesh as the court of first instance, will have jurisdiction over any dispute or claim relating to the use of the Platform.