Terms of Service

These Terms of Service constitute a legally binding agreement between you (whether individually or on behalf of an entity) and Zalveriq Technologies Limited (“Company”, “we”, “us”, or “our”), the registered legal entity operating SuperChat BD (“SuperChat BD” or the “Platform”, a product of Zalveriq).

By accessing or using SuperChat BD, including our website, creator tipping pages, real-time OBS stream overlays, text-to-speech alerts, developer APIs, hosted checkout sessions, and payout facilities, you agree to be bound by these Terms of Service, our Privacy Policy, Acceptable Use Policy, and Payout Policy. If you do not agree to these terms, you must not access or use SuperChat BD. These terms govern all visitors, content creators, merchants, software developers, supporters, and administrators who use our services.

Superchat BD operates under strict compliance with the laws of Bangladesh (including the Money Laundering Prevention Act, 2012, the Cyber Security Act, and Bangladesh Bank Payment Systems and Foreign Exchange regulations) as well as payment network standards (Visa, Mastercard, bKash, Nagad). Users must never use Superchat BD, creator tips, or developer APIs to facilitate:

Creators must not use their own accounts, controlled payment accounts, or coordinated related parties to generate artificial earnings, simulate creator popularity, or obtain unsupported cash-out services.

Proportionate Assessment: Self-tipping is not, by itself, conclusive evidence of fraud. For example, a new streamer sending an initial micro-tip (e.g., ৳10 to ৳50) to test their OBS audio alert, goal widget, or TTS layout is recognized as standard setup activity.

However, where self-tipping exhibits bulk amounts, round figures, significant velocity, or accounts for a substantial proportion of an account's total balance, Superchat BD reserves the right to place subsequent withdrawals on review hold, require proof of identity and payment account ownership, and refuse cash-out processing.

Failed, abandoned, cancelled, or declined payment attempts do not automatically constitute misconduct. In live streaming and mobile financial checkouts (bKash, Nagad), viewers frequently close the modal, mistype PINs, or test transaction amounts without completing the purchase.

Superchat BD evaluates payment patterns using objective, explainable risk indicators. A risk review may be triggered when:

• Rapid automated bursts of failures occur (e.g. repeated high-velocity failures on identical round amounts indicative of credential testing).
• A creator account displays an exclusive self-tipping pattern coupled with immediate withdrawal requests.
• Inconsistencies appear between gateway IPN settlement confirmations and internal ledger claims.

Automated risk indicators trigger review queues; they never constitute a final automated determination of fraud or criminal conduct without human evaluation.

An amount displayed in a creator dashboard is not a final, settled, or withdrawable entitlement until verified against authoritative gateway ledgers.

Gateway Identifiers vs. Final Settlement: A gateway transaction identifier or browser redirect confirms only that a payment session was authorized. Funds become withdrawable only when:

• The EPS gateway or acquiring bank confirms the transaction server-to-server via verified Instant Payment Notification (IPN).
• The transaction matches the recorded amount and currency in the authoritative double-guarded database ledger.
• Applicable platform commission fees (10% for domestic BDT tips, 20% for USD Stripe tips, 5.00% for developer checkouts) have been calculated and deducted.
• The transaction is not subject to active dispute, chargeback, or cancellation.

Withdrawals are subject to verification, payment-provider availability, and applicable laws of Bangladesh.

• Minimum Thresholds: BDT ৳300 for domestic Mobile Financial Services (bKash, Nagad, Upay) and bank transfers; USD $10 for international creator payouts.
• Banking Schedule: Payout operations run across 5 banking days each week, Sunday through Thursday from 9:00 AM to 5:00 PM Asia/Dhaka. Operations are closed on official bank holidays and weekend off-days (Friday & Saturday).
• Review Holds (under_review): Superchat BD may temporarily delay or place a withdrawal request under review when necessary to investigate suspected unauthorized payments, self-tipping cash-out attempts, or identity mismatches.
• Non-Confiscation Principle: Funds are never arbitrarily confiscated. Any hold must have a documented justification. If a review is resolved satisfactorily, funds are released to the user. If an unauthorized payment or chargeback occurs, funds are returned to the genuine account owner or remitted to the payment gateway.

Supporter tips to creators are voluntary and non-refundable once successfully rendered on stream overlays, except where required by law or arising from substantiated account theft or technical billing duplication.

Developers and merchants utilizing the Superchat BD developer checkout are solely responsible for publishing clear refund and customer service terms. Any gateway chargeback, dispute fine, or reversed transaction will be debited directly from the responsible creator or merchant balance.

To prevent illicit money transmission and comply with Anti-Money Laundering (AML) standards, Superchat BD applies proportionate identity verification.

Users requesting substantial cumulative withdrawals, or whose activity triggers compliance review holds, may be required to verify their legal identity (National ID / Passport) and prove ownership of the registered withdrawal wallet or bank account. All identity data is processed strictly under data minimization principles and the Personal Data Protection Ordinance, 2025.

Depending on severity, Superchat BD may request verification, apply temporary withdrawal holds, restrict checkout capabilities, or suspend accounts for material policy violations.

Affected creators and developers have the right to challenge restrictions by submitting documentation and an explanation through our official appeals procedure at /appeals. Decisions are reviewed by authorized compliance personnel within 48 banking hours.

For compliance inquiries, payment disputes, or legal notices, contact: