Reference

Read These Terms Before You Open an Account

These terms set out what you agree to when you create and use a winnowing account — covering deposits via bKash, Nagad and Rocket, how your wallet is managed, and what we expect from each other.

Account holder termsbKash, Nagad, Rocket wallet rulesEligibility by local lawAccount suspension conditionsHow to raise a dispute

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TERMS CONTACT PATHS

Reach Us With a Terms Question

If a clause is unclear or you want to query something specific — a wallet hold, an account restriction, or a payment discrepancy — reach our support team directly. We handle terms-related queries through live chat, email and the in-app message thread so you can follow up from any device without losing the conversation history.

HOW WE UPHOLD TERMS

How winnowing Enforces and Applies These Terms

We apply these terms consistently across every account. Wallet verification, account security and the dispute process each follow the same steps regardless of whether your deposit came through bKash, Nagad or Rocket. If you ever feel a decision was made in error, the review path is open to you.

Wallet Source Verification

When you deposit, the payment source — bKash, Nagad or Rocket — is matched against your registered account details. Mismatches trigger a hold pending your written confirmation.

Account Security Obligations

You are responsible for keeping your login credentials private. If you suspect unauthorised access, contact support immediately so we can freeze the account and review recent wallet activity.

Dispute and Review Process

Raise a dispute within the window stated in the disputes clause. Our team reviews the transaction record and responds with a written decision you can reference in any follow-up.

Terms Revision Notice

Revised terms are posted here with a clear change date. We do not apply new clauses retroactively. Your rights under the version current at the time of a transaction remain in place for that transaction.

Understand What These Terms Actually Cover

winnowing Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

By completing account registration, you confirm you have read and accepted every clause here. These terms form the full agreement between you and winnowing — no verbal or informal arrangements override them. Your account wallet holds funds you have deposited through bKash, Nagad or Rocket; those

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funds are recorded against your account only and are not transferable to another account holder. We may update these terms when regulation or platform changes require it. When we do, we post the revised version at this address and note the change date at the top
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of the page. Continued use of your account after that date counts as acceptance. If you disagree with any revision, the correct path is to withdraw your wallet balance and close your account before the revision takes effect. Winnowing reserves the right to suspend or close
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accounts that breach these terms, including accounts where wallet activity appears inconsistent with the registered payment source. Disputes must be raised through the support channel within the timeframe stated in the disputes clause below. Availability of any feature depends on the laws of your jurisdiction and
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the eligible regions winnowing serves at the time you access the platform.

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

Common Questions About These Terms

These are the questions we hear most often about how these terms apply to your account, your wallet and your right to request changes or close your account.

The core account terms are the same regardless of payment method. Specific processing steps differ between bKash, Nagad and Rocket, but the rights and obligations described here apply equally across all three.

A suspension freezes activity on the account but does not void your balance. We will contact you with the reason and a resolution path, which may include identity confirmation before any withdrawal is processed.

Email support with your account ID and registration date. We keep versioned records of these terms and can provide the document that applied on the date your account was created.

No. Revised terms apply from the revision date forward. A transaction completed before that date is governed by the version that was current at the time, and our dispute process reflects that.

Withdraw your wallet balance and submit an account closure request before the revision date takes effect. Continued use after that date is treated as acceptance of the revised terms.

Yes. Access and eligibility depend entirely on the laws of your jurisdiction and the regions winnowing serves. If local law restricts this type of platform, these terms do not override that restriction.

Reference

Terms & Conditions

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

Access may be available only where local law permits.

InfoWinnowing Banking InfoPrivacy Policy InfoAbout Us

Read These Terms Before You Open an Account

Reach Us With a Terms Question

How winnowing Enforces and Applies These Terms

Wallet Source Verification

Account Security Obligations

Dispute and Review Process

Terms Revision Notice

Common Questions About These Terms

01 Do these terms change if I deposit with bKash instead of Nagad or Rocket?

02 What happens to my wallet balance if my account is suspended under these terms?

03 How do I request a copy of the terms version that was in place when I registered?

04 Can winnowing apply a new terms clause to a transaction that already happened?

05 What should I do if I disagree with a clause in the updated terms?

06 Is my access to winnowing subject to local laws where I live?

Terms & Conditions

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