Shadhin.com (“Shadhin” or “Site” or “we” or “our”) a trade name owned and managed by Shadhin Fintech Solutions Limited is a web portal that provides a platform to bring together people who need funding and people who would like to fund together. 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 this web portal, 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. Shadhin shall merely facilitate a transaction between two such people. Shadhin neither lends nor borrows through this website. Shadhin is neither a financial institution, nor runs a collective investment scheme or a chit fund or any other such financial scheme.
SITE: Site means Shadhinbd.com which is owned and managed by Shadhin Fintech Solutions Limited.
YOU/YOUR: You/Your shall mean natural or legal person who is at least 18 years of age and could legally enter into a contract in Bangladesh and could use the services and products provided on Shadhinbd.com in accordance with the terms and conditions recorded hereinafter and has agreed to become a paid member of this Site and whose membership fee is in arrears and those whose membership fees is not in arrears.
Acceptance of Terms and Conditions
Every effort has been made to ensure, that the information contained on the Site is correct, however Shadhin makes no warranty as the accuracy, comprehensiveness, or correctness of any Service(s) or a Product(s) on the Site, and provides all Service(s) and Product(s) on an “as is” basis. By using this Site, you (“you” or the “End User”) agree to these terms and conditions (“Terms and Conditions” or “T&C” or “Terms”) that we have provided. If you do not wish to agree to these Terms and Conditions, please refrain from using this Site.
The Service(s) or a Product(s) and information displayed on the Site is an “invitation to offer” to the End User. Your order for purchase of either Service(s) or Product(s) constitutes your “offer” which shall be subject to the terms and conditions as listed below. Shadhinbd.com reserves the right to accept or reject your offer. If you have supplied us with your valid email address, we will notify you by email as soon as possible to confirm receipt of your instruction and email you again to confirm details and therefore process the instruction accordingly for provision of Services(s) or Products(s). Our acceptance of your instructions for either rendition of services or provision of any product will take place upon rendition of Service(s) or dispatch of the Product(s) ordered. No act or omission of Shadhin prior to the actual dispatch of the Product(s) or rendition of services ordered will constitute acceptance of your offer. Similarly, no act or omission of Shadhin prior to the actual rendition of services shall constitute acceptance of your offer. A Person who cannot enter into legally binding contract in accordance with the provisions of the Bangladesh Contract Act, 1872 including person below the age of 18 years or of unsound mind and un-discharged insolvents etc. are not entitled to use the Site.
Persons under the age of 18 years are not permitted to get engaged with this Site and have no permission to call for any services or products or funding or get funded from through this Site.
By placing an order, you make an offer to us to purchase Service(s) or Product(s) you have selected based on the Terms and Conditions stated below.
You are required to create an account in order to purchase any Services or a Product from our Site. This is required so we can provide you with easy access to print your orders, view your past purchases, and modify your preferences.
If you have any questions about these Terms and Conditions, please contact Shadhin on info@Shadhinbd.com
To read the complete Shadhin Terms and Conditions, please see below.
- ACCEPTANCE OF TERMS AND CONDITIONS
By using this Site, you agree to the Terms and Conditions that Shadhin has provided. If you do not wish to agree to these Terms and Conditions, please refrain from using the Site. In the Site, Shadhin provides End Users with access to database of investors, investees and services providers in relation to debt services such as verification agencies and collection agencies etc. The Shadhin is only a platform that brings together investees and investors, it matches the need of investees and investors. Shadhin in no manner collects deposits from the investors or person who would like to earn interest on their money by lending. Shadhin only supports the investor in verifying the whereabouts of the investee on best effort basis.
- Description of Products & Services
In the Site, Shadhin provides End Users with access to investors, investees, service providers to investees, partners who facilitate funding and credit reports for investors and investees.
Upon your clicking “yes” in the options menu we shall be entitled to send you regular updates via email/ sms/ phone call or any other means regarding our Services and Product offerings.
These terms and conditions that apply to the user of this Site. By using this Site (other than to read this T&C for the first time), user agrees to comply with all of the terms and conditions hereof. The right to use this Site is personal to the user and is not transferable to any other person or entity. User shall be responsible for protecting the confidentiality of User’s password(s), if any. User acknowledges that, although the internet is often a secure environment, sometimes there are interruptions in service or events that are beyond the control of Shadhin, and Shadhin shall not be responsible for any data lost while transmitting information on the internet. While it is Shadhin’s objective is to make the Site accessible 24 hours per day, 7 days per week, the Site may be unavailable from time to time for any reason including, without limitation, routine maintenance. You understand and acknowledge that due to circumstances both within and outside of the control of Shadhin, access to the Site may be interrupted, suspended or terminated from time to time. Shadhin shall have the right at any time to change or discontinue any aspect or feature of Shadhin, including, but not limited to, content, hours of availability and equipment needed for access or use. Further, Shadhin may discontinue disseminating any portion of information or category of information, may change or eliminate any transmission method and may change transmission speeds or other signal characteristics.
- Modified Terms
- License and Site Access
Shadhin grants you a limited license to access and make personal use of 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 and the framing of any Content available through the Site, 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.
Our website users may experience difficulty in accessing website from 03:00 am to 03:30 am due to website updates. We apologize for the inconvenience caused to our Users.
- Shadhin Usage Eligibility
The Shadhinbd.com Service is not available to persons under the age of 18 or of unsound mind or who are declared insolvent or to any Users suspended or removed from the system by Shadhin for any reason. Users may not have more than one active account. Additionally, Users are prohibited from selling, trading, or otherwise transferring their Shadhinbd.com account to another party. If you do not qualify, you may not use the Shadhinbd.com or the Site.
- Your Account
In consideration of your use of the Site, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services or goods under the laws as applicable in Bangladesh. Additionally, you are more than 18 years of age. You also agree to provide true, accurate, current and complete information about yourself as prompted by the Site’s registration form. If you provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or Shadhin has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Shadhin has the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof). As Shadhin is a website that enables investees to find investors and investors to find investees, it considers provisions of wrong information on this web portal willingly an act that would constitute misrepresentation, fraud and cheating. If you use the Site, you are responsible for maintaining the confidentiality of your account and password, and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password. Because of this, we strongly recommend that you exit from your account at the end of each session. You agree to notify Shadhin immediately of any unauthorized use of your account or any other breach of security. Shadhin reserves the right to refuse service, terminate accounts, or remove or edit content in its sole discretion. In the event, Shadhin finds that the information shared by the User of the website is incorrect or that the User is in breach of terms or conditions of the website or User is in default of the investors and investees agreement than in such case Shadhin may add the name and details of such person in the list of persons who are blacklisted from receiving funds or funding.
User shall be responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of this Site and all charges related thereto. Shadhin shall not be liable for any damages to the End User’s equipment resulting from the use of this Site.
- End User conduct
This Site and any individual sites or merchant-specific, city-specific, or state-specific sites now or hereinafter contained within or otherwise available through external hyperlinks with our Site (the “Microsites”) are private property. All interactions on this Site and/or the Microsites must comply with these Terms and Conditions. Although we welcome and encourage user interaction on our Site, we do insist and require that all End Users restrict any and all activity in connection with the use of this Site and the Microsites to that which involves lawful purposes only. End User shall not post or transmit through this Site any material which violates or infringes in any way upon the rights of others, or any material which is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any law, or which, without Shadhin’s express prior, written approval, contains advertising or any solicitation with respect to Products or Services. Any conduct by an End User that in Shadhin’s exclusive discretion restricts or inhibits any other End User from using or enjoying this Site and/or any of the Microsites is strictly prohibited. End User shall NOT use this Site or any of the Microsites to advertise or perform any commercial, religious, political or non-commercial solicitation, including, but not limited to, the solicitation of users of this Site and/or the Microsites to become users of other on- or offline services directly or indirectly competitive or potentially competitive with Shadhin.
The foregoing provisions of this Section apply equally to and are for the benefit of Shadhin, its subsidiaries, affiliates and its third party content providers and licensors, and each shall have the right to assert and enforce such provisions directly or on its own behalf.
Shadhin shall have the right, but not the obligation, to monitor the content of the Site at all times, including any chat rooms and forums that may hereinafter be included as part of the Site, to determine compliance with this Agreement and any operating rules established by Shadhin, as well as to satisfy any applicable law, regulation or authorized government request. Without limiting the foregoing, Shadhin shall have the right to remove any material that Shadhin, in its sole discretion, finds to be in violation of the provisions hereof or otherwise objectionable.
- License Grant
By posting communications on or through this Site, User shall be deemed to have granted to Shadhin a royalty-free, perpetual, irrevocable, non-exclusive license to use, reproduce, modify, publish, edit, translate, distribute, perform, and display the communication alone or as part of other works in any form, media, or technology whether now known or hereafter developed, and to sublicense such rights through multiple tiers of sub-licensees.
- Personal Information
In order to avail of the Services from the Site, you will need to provide your details prior to get enlisted either as an investee or as an investor. As an account holder you are required to provide Shadhin with accurate personal information. Provision of another person’s details as your own will not be deemed acceptable.
- Credit Card Information
You agree, understand and confirm that the credit card details provided by you for availing of services on Shadhin will be correct and accurate and you shall not use the credit card which is un-lawfully owned by you, thus you must not pay or attempt to pay for services using fraudulent credit card information. You further agree and undertake to provide the correct and valid credit card details to Shadhin. The customer may require to provide the last four digits of the credit card used to place the order, for the purpose of verification.
Further the said information will not be utilized and shared by Shadhin with any third parties unless required for fraud verifications or by law, regulation or court order. Shadhin will not be liable for any credit card fraud. The liability for use of a card fraudulently will be on you and the onus to ‘prove otherwise’ shall be exclusively yours.
- Cancellation by Shadhin
Please note that there may be certain instruction to remit payments or seek rendition of services that Shadhin is unable to accept shall be cancel. We reserve the right, at our sole discretion, to refuse or cancel any order for any reason. We may also require additional verifications or information before accepting any instruction or registering you on are portal as an investor or an investee. The investee(s) and investor(s) are required to note that negative third party verification report(s) are crucial factors considered during the funding process. The funding may get rejected at any stage due to lack of information or verifiable information.
- Fraudulent /Declined Transactions
Shadhin reserves the right to recover the cost of Service(s) and Product(s), collection charges and lawyers fees from persons using the Site fraudulently. Shadhin reserves the right to initiate legal proceedings against such persons for fraudulent use of the Site and any other unlawful acts or omissions in breach of these terms and conditions.
- Limitation of 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.
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 T&C, 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 T&C 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.
If any of the Terms shall be deemed void, invalid or unenforceable for any reason, that condition shall be deemed several and shall not affect the enforceability of any remaining provision.
- Customer Communication
Shadhin will communicate with you through any of the mode using email, SMS and telephone or all of them or any other mode. Account holders must provide a valid email address and contact telephone and/ or mobile number to Shadhin for this purpose.
Please note Shadhin will not be able to contact the customer in case customer’s number is part of DNC (Do Not Call) list as generated by BTRC (Bangladesh Telecommunication Regulatory Commission). In this case we request customers to call us on our call center number.
When you use the Site or send emails to Shadhin, you are communicating with Shadhin electronically. You consent to receive communications from Shadhin electronically.
From time to time, Shadhin will also send you marketing material. If you do not wish to receive such material, you may unsubscribe from our mailing list at any time by using the unsubscribe function in the electronic marketing communication or by contacting at info@Shadhinbd.com
You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
- Site-Provided Email and Postings
The Site may provide End Users with the ability to send email messages to other End Users and non-End Users and to post messages on the Site. Shadhin is under no obligation to review any messages; information or content (“Postings”) posted on the Site by End Users and assumes no responsibility or liability relating to any such Postings.
You understand and agree not to use any functionality provided by the Site to post content or initiate communications that contain:
(i) Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law.
(ii) Advertisements or solicitations of any kind.
(iii) Impersonate others or provide any kind of false information.
(iv) Personal information such as messages which state phone numbers, social security numbers, account numbers, addresses, or employer references.
(v) Messages by non-spokesperson employees of Shadhin purporting to speak on behalf of Shadhin or containing confidential information or expressing opinions concerning Shadhin.
(vi) Messages that offer unauthorized downloads of any copyrighted or private information.
(viii) Chain letters of any kind.
(ix) Identical (or substantially similar) messages to multiple recipients advertising any product or service, expressing a political or other similar message, or any other type of unsolicited commercial message.
This prohibition includes but is not limited to:
- a) Using Shadhinbd.com invitations to send messages to people who don’t know you or who are unlikely to recognize you as a known contact;
- b) Using Shadhinbd.com to connect to people who don’t know you and then sending unsolicited promotional messages to those direct connections without their permission; and
- c) Sending messages to distribution lists, newsgroup aliases, or group aliases.
- The Opt-out Practice
- a) If you are no longer interested in receiving e-mail announcements and other marketing information from us, or you want us to remove any personal information that we have collected about you, you can opt-out anytime by sending an e-mail about your request to info@Shadhinbd.com
- b) We use third-party service providers to serve ads on our behalf across the Internet and sometimes on this site. They may collect anonymous information about your visits to our website, and your interaction with our products and services. They may also use information about your visits to this and other websites to target advertisements for goods and services. This anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major websites.
The Site or third parties may provide links to other World Wide Web sites or resources. Because Shadhin has no control over such sites and resources, you acknowledge and agree that Shadhin is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that Shadhin shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.
- Access to Password Protected/Secure Areas
Access to and use of password protected and/or secure areas of the Site is restricted to authorized Users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.
- You acknowledge that the Shadhin is not engaged in either grant of fund or funding any money from any member of the website.
- You acknowledge that the Shadhin managing this website and neither Shadhin or any of its subsidiary or affiliate has any interest in either grant of fund or in funding money from a member registered on the website.
III. You acknowledge that the Shadhin is not at all responsible for any claim or damage in case either the person who has agreed to grant fund has not granted fund or the person who has agreed to repay the fund do not repay the fund.
- You acknowledge that the Shadhin in no manner warrants or guarantees the performance of a service provider that is providing services through the website of Shadhin.
- You acknowledge that the Shadhin in no manner warrants and guarantees that the grantor of fund or the recipient of fund has provided all the information on this website which is true and correct including his address, phone numbers etc.
- You acknowledge that it is your responsibility to verify the information about the person on the website and Shadhin is in no manner liable if the information provided on this website is untrue or incorrect.
VII. You acknowledge that Shadhin is in no manner responsible for any claim of money or damages in the event one person fails to either grant fund or a person fails to repay the fund or misrepresents about his financial status or commits a fraud or a cheating or any other such illegal act.
VIII. You acknowledge that you have taken expert advice from a legal consultant or any other expert so required about your status to fund or get funded on the site.
- You acknowledge that you are aware of all your rights, duties and applicability of various laws including not limited to Money Lending Act, Income Tax Act, or any other statute, or law, which may govern the funding of monies within your State of residence or from where you ordinarily conduct your business.
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.
- Applicable Laws
Your use of this Site and any Term and Conditions stated in this policy is subject to laws of Bangladesh.
Courts will have exclusive jurisdiction of dealing with all disputes arising from use of this site.
The trademarks, logos and service marks (“Marks”) displayed on the Site are the property of Shadhin and other respective persons. End Users are prohibited from using any Marks for any purpose including, but not limited to use as meta-tags on other pages or sites on the World Wide Web without the written permission of Shadhin or such third party which may own the Marks. All information and content including any software programs available on or through the Site (“Content”) is protected by copyright. End Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes.
- Changes to Terms and Conditions
Shadhin reserves the right to change these Terms and Conditions of its Service without informing you. You should check our Site for any updated Terms and Conditions.
If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the unenforceable condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition. From time to time Shadhin may offer special promotional offers which may or may not apply to your Shadhin account. To avail of such promotional offers, you agree to be bound by any additional terms and conditions for these special offers which are laid down by Shadhin. This T&C and the relationship between you and Shadhin will be governed by the laws as applicable in Bangladesh. Any dispute(s) arising out of this T&C will be handled in the competent courts of Bangladesh. The failure of Shadhin to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches. Shadhin does not guarantee it will take action against all breaches of this T&C. Except as otherwise, expressly provided in this T&C, there shall be no third-party beneficiaries to this T&C. This T&C constitutes the entire agreement between you and Shadhin and governs your use of the Site, superseding any prior agreements between you and Shadhin with respect to the Site.
- Payment Methods
You can pay Shadhin using payments services deployed by Shadhin from time to time. Shadhin has also deployed a system of electronic payment of fees, the details of which are available at Shadhinbd.com. All transactions are processed in BDT.
- Shadhin holds the complete right to de-activate any investor/investee on its own accord if the investor/investee is suspected or found to be from competition engaging or trying to engage in any malicious activity.
- E-Sign or Virtual Signature
We have also introduced a system where the investees and investors have the opportunity to electronically sign the Investor Agreement. Details about how to sign the Investor Agreement are available at www.Shadhinbd.com.