Terms & Conditions

1. Acceptance of Terms

By accessing or using the website at chamakinc.com or any services provided by Chamak Inc. or its subsidiaries (collectively, "Chamak," "we," "us," or "our"), you agree to be bound by these Terms and Conditions ("Terms").

If you do not agree to these Terms, you must not access or use our platform. Your continued use of the Service following any changes constitutes your acceptance of the updated Terms.

2. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts in your jurisdiction
• Not be prohibited from using our Services under applicable laws
• Complete any verification or KYC (Know Your Customer) requirements we may impose

By using the Service, you represent and warrant that you meet all eligibility requirements. Chamak reserves the right to refuse access to anyone at its sole discretion.

3. Our Services

Chamak is a digital trade finance platform that provides:

• Trade Payments: Local and cross-border payment facilitation for businesses engaged in trade.
• Trade Guarantees: Issuance of Letters of Credit (LCs), bank guarantees, and related instruments via a fully digital process.
• Trade Financing: Invoice financing, factoring, and receivables-based funding solutions for suppliers, exporters, and importers.
• Investment Platform: Access to verified trade receivables and other short-term trade finance instruments for qualified investors.

The availability of specific services may vary by jurisdiction and is subject to applicable regulatory approvals. Chamak reserves the right to modify, suspend, or discontinue any service at any time without prior notice.

4. User Accounts

To access certain features of our platform, you may be required to create an account. By creating an account, you agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your login credentials confidential and not share them with any third party
• Accept responsibility for all activities that occur under your account
• Notify us immediately at info@chamakinc.com of any unauthorized use of your account

Chamak shall not be liable for any loss or damage arising from your failure to comply with these account security obligations.

5. Investment Terms

By participating in Chamak's investment platform, you acknowledge and agree that:

• All investments involve risk, and past performance does not guarantee future results
• Trade receivables and other instruments offered on the platform are subject to credit, liquidity, and market risks
• Principal protection features, where applicable, are subject to the terms of the specific investment instrument and Chamak's guarantee policies
• Returns on investment are not guaranteed and may vary based on market conditions and borrower performance
• You are solely responsible for assessing the suitability of any investment for your financial situation and objectives
• Chamak does not provide investment, legal, or tax advice; you should consult qualified professionals before investing
• Minimum investment requirements may apply and are disclosed at the point of investment

Investment opportunities on the Chamak platform are subject to regulatory requirements in applicable jurisdictions and may not be available to all users.

6. Prohibited Conduct

You agree not to use the Service to:

• Violate any applicable local, national, or international law or regulation
• Engage in fraudulent, deceptive, or misleading activities
• Transmit any material that is unlawful, harmful, defamatory, or infringing
• Attempt to gain unauthorized access to any part of the Service or its related systems
• Interfere with or disrupt the integrity or performance of the Service
• Use automated scripts, bots, or scrapers to access or interact with the Service
• Facilitate money laundering, terrorist financing, or other financial crimes
• Impersonate any person or entity or misrepresent your affiliation with any person or entity

Violation of these prohibitions may result in immediate suspension or termination of your account and may be reported to relevant authorities.

7. Intellectual Property

The Service and all of its original content, features, functionality, design, and technology — including our proprietary cSense risk engine — are owned by Chamak Inc. and are protected by applicable intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our Services, nor may you reverse-engineer or attempt to extract the source code of any software we provide, unless you have our written permission or applicable law permits it.

The Chamak name, logo, and all related marks are trademarks of Chamak Inc. You may not use our trademarks without prior written consent.

8. Disclaimers

The Service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Chamak does not warrant that:

• The Service will be uninterrupted, timely, secure, or error-free
• The results obtained from using the Service will be accurate or reliable
• Any errors in the Service will be corrected

Information on the platform relating to trade finance instruments, returns, and risk is for informational purposes only and does not constitute financial advice.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Chamak Inc. and its officers, directors, employees, agents, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, arising out of or related to:

• Your use of or inability to use the Service
• Any unauthorized access to or use of our servers or personal information
• Any interruption or cessation of transmission to or from the Service
• Any investment decisions made based on information available on the platform

10. Indemnification

You agree to defend, indemnify, and hold harmless Chamak Inc. and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses — including reasonable legal fees — arising out of or in any way connected with:

• Your access to or use of the Service
• Your violation of these Terms
• Your violation of any third-party rights, including intellectual property or privacy rights
• Any content you submit or transmit through the Service

11. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the applicable laws of Bangladesh, without regard to conflict of law principles.

Any dispute arising from these Terms or the use of the Service shall first be attempted to be resolved through good-faith negotiation. If unresolved within 30 days, disputes shall be submitted to binding arbitration or to the courts of competent jurisdiction in the applicable territory.

12. Changes to Terms

We reserve the right to modify these Terms at any time. When we do, we will update the "Last updated" date at the top of this page. For material changes, we may also notify you by email or through a prominent notice on our Service.

Your continued use of the Service after any changes constitutes your acceptance of the updated Terms. If you do not agree to the new Terms, you must stop using the Service.

13. Contact Us

If you have questions about these Terms and Conditions, please contact us:

• By email: info@chamakinc.com
• By post: Chamak Solutions Ltd., House 1145, Road 10, Avenue 10, Mirpur DOHS, Dhaka - 1216, Bangladesh
• By visiting our website: chamakinc.com