How These Terms Govern Your Account
When you open an account with 399vat, you confirm that you have read, understood and accepted these terms in full. The platform operates on the basis that every account holder has verified their eligibility under their own local law before registering. We do not determine your
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legal position for you — that responsibility stays with you. For payment activity, these terms cover how transactions through bKash, Nagad and Rocket are processed, how wallet verification works, and what happens if a payment is flagged or reversed. If you send a deposit via bKash
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and the transaction reference cannot be matched to your account, our support team will request verification before the amount is credited. The same applies to Nagad and Rocket transfers. Account activity is monitored for unusual patterns. If activity on your account raises a flag — multiple
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failed logins, mismatched wallet details, or transaction irregularities — we may pause account access pending a review. You will be contacted through your registered contact detail. These terms also cover what happens when you request account closure: pending wallet balances are returned to the originating bKash,
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Nagad or Rocket number where possible, subject to verification. Any dispute about a transaction must be raised within the window stated in the dispute clause of these terms. We keep the right to amend these terms; continued use of your account after an update constitutes acceptance.
Service availability depends on eligible regions and local law. Users should check local rules before opening an account.