MATCHBD — REFUND AND CREDIT POLICY

Operated by: MatchBD

Platform: www.matchbd.com and the MatchBD mobile applications

SUMMARY — THE THREE RULES

1. No cash refunds. Once you purchase any Package or Single Match, the payment is final. You cannot request a refund. The service must be used within the MatchBD app.

2. Rejected match = Match Credit. If you pay in advance for a specific match and the other Member rejects the request, the amount is added to your MatchBD profile balance as Match Credit and can be used on other matches.

3. Credit stays in the app. Match Credit has no cash value. It cannot be withdrawn to bKash, Nagad, a bank account, or a card. It can only be spent on MatchBD.

The full terms are set out below and prevail over this summary.

1. SCOPE

1.1. This Refund and Credit Policy ("Policy") governs all payments made to MatchBD, including Packages, Single Match purchases, subscription renewals, add-on services, featured profile listings, human matchmaking consultations, and any other paid Service.

1.2. This Policy forms part of the MatchBD Terms and Conditions. By making any payment, you confirm that you have read, understood, and accepted this Policy.

2. PACKAGES AND PRICING

2.1. MatchBD offers the following service tiers, in Bangladeshi Taka (BDT):

2.2. The features, match quotas, and validity period of each Package are set out on the Platform's pricing page, which forms part of this Policy.

2.3. All prices are exclusive of Value Added Tax (VAT) and other government levies unless expressly stated. Applicable taxes are added at the prevailing statutory rate.

2.4. MatchBD may revise prices, introduce new Packages, or discontinue Packages at any time. Price changes do not affect Packages already purchased and active.

3. WHAT YOU ARE PAYING FOR

3.1. Payment to MatchBD purchases access to the Platform, its AI matching technology, verification infrastructure, search and communication tools, matchmaking facilitation, and consultancy resources.

3.2. Payment does not purchase an outcome. You are not paying for a guaranteed match, a guaranteed response, an engagement, or a marriage. MatchBD makes no representation that any of these will result. See Clause 8 of the Terms and Conditions.

3.3. The Service is deemed delivered upon activation of your Package, at which point access, entitlements, and matching capability become available to you.

4. NO-REFUND POLICY

4.1. All payments made to MatchBD are final and non-refundable.

4.2. Once a purchase is completed, you are not entitled to request, claim, or receive any refund of the amount paid, in whole or in part, in cash or by reversal to any payment instrument, under any circumstances.

4.3. All purchased Packages, Matches, and Credits must be used within the MatchBD app. No alternative form of settlement, compensation, encashment, or set-off will be offered.

4.4. No refund or credit will be issued where:

a) You are dissatisfied with the number, quality, or suitability of matches received;

b) You did not receive a response, or your interest requests were not accepted;

c) You found a partner through any other means or platform;

d) You did not use the Service within the validity period;

e) You voluntarily deactivated, deleted, or abandoned your account;

f) Your account was suspended or terminated for breach of the Terms and Conditions;

g) Your profile was rejected at verification because you supplied false or incomplete information;

h) You concealed or misrepresented your marital status;

i) A relationship, engagement, or marriage arising through the Platform did not proceed, or subsequently ended;

j) You changed your mind after purchase;

k) You experienced a personal circumstance change, including relocation, illness, or family objection.

4.5. Payments made through unofficial channels — to any personal account, individual, or third party purporting to represent MatchBD — are not recoverable from MatchBD and are not covered by this Policy. Always pay through official in-app payment channels only.

5. MATCH CREDIT ON REJECTION

5.1. Where you have paid in advance in respect of a specific Match and the counterpart Member declines, rejects, does not accept, or does not respond within the applicable response window:

a) The amount attributable to that Match is credited to your MatchBD account as Match Credit;

b) The credit is applied automatically and appears in your account balance;

c) The credit may be redeemed against any future Match, Package upgrade, or eligible paid Service on the Platform.

5.2. Response window. Where a counterpart Member has not responded within thirty (30) days of receiving your match request, the request is treated as declined and Match Credit is issued automatically.

5.3. Match Credit is not money. It:

• Has no cash value;
• Cannot be withdrawn, encashed**, or transferred** to bKash, Nagad, Rocket, a bank account, a card, or any other financial instrument;
• Cannot be transferred, sold, gifted, or assigned to another User or third party;
• Cannot be converted into a refund at any later date;
• Is redeemable solely within the MatchBD Platform.

5.4. Validity. Match Credit does not expire, and remains available on your account for as long as your account is active. If MatchBD introduces an expiry period in future, credit already issued will not be affected, and you will be given at least thirty (30) days' notice by in-app notice or email before any change takes effect.

5.5. Credit is applied first. Where you hold Match Credit and make a new purchase, the available credit balance is applied before any new payment is taken.

5.6. Forfeiture. All Match Credit is forfeited without compensation where your account is terminated for breach of the Terms and Conditions.

6. ONE-TIME PURCHASES — NO SUBSCRIPTIONS

6.1. All Packages and Single Match purchases on MatchBD are one-time purchases. There is no subscription, no recurring billing, and no automatic renewal. Nothing is charged to you again unless you make a fresh purchase yourself.

6.2. A Package simply stops providing benefits at the end of its validity period. No cancellation step is required, and none is offered, because there is nothing to cancel.

6.3. If MatchBD introduces auto-renewing Packages in future, the renewal terms and the method of cancelling will be disclosed clearly at the point of purchase, and this Policy will be updated before any such Package is offered.

7. EXCEPTIONAL ADJUSTMENTS

7.1. Notwithstanding Clause 4, MatchBD may — entirely at its own discretion, without creating any precedent or obligation — issue a credit adjustment or corrective payment in the following limited circumstances:

a) Duplicate payment — the same transaction was charged more than once due to a technical or gateway error;

b) Payment failure — money was debited but the Package was never activated;

c) Incorrect charge — you were charged an amount other than the advertised price for the Package selected;

d) Prolonged service unavailability — the Platform was inaccessible for a continuous period exceeding seventy-two (72) hours due to a fault attributable to MatchBD, in which case MatchBD may extend the validity period of affected Packages;

e) Unauthorised transaction — a payment was made from your account without your authorisation, subject to investigation.

7.2. How to apply. Requests under this Clause must be submitted in writing to info@matchbd.com within seven (7) days of the transaction, and must include:

• Your registered mobile number and account ID
• Transaction ID / TrxID and date
• Amount and payment method
• A clear description of the issue
• Supporting evidence (payment SMS, bank statement, screenshot)

7.3. Processing. We will acknowledge within three (3) working days and complete our investigation within seven (7) working days. Where an adjustment is approved and the amount is returned to the original payment method, the refund is completed within 7 to 10 working days of approval. Where the remedy is Match Credit, it is applied to your account immediately on approval. In either case:

• The default remedy is Match Credit applied to your account;
• Where the payment failed entirely and no service was ever delivered, MatchBD may at its discretion return the amount to the original payment method;
• Gateway processing fees may not be recoverable and may be deducted.

7.4. MatchBD's decision under this Clause is final, subject to your right to raise a grievance under Clause 9.

8. CHARGEBACKS AND PAYMENT DISPUTES

8.1. If you believe a charge is incorrect, you must contact MatchBD first at info@matchbd.com before approaching your bank or payment provider.

8.2. Initiating a chargeback, payment reversal, or dispute in respect of a validly delivered Service constitutes a breach of the Terms and Conditions. It will result in:

a) Immediate suspension of your account pending investigation;

b) Forfeiture of all remaining entitlements, Matches, and Match Credit;

c) Permanent termination where the chargeback is found to be unjustified;

d) MatchBD's right to recover the disputed sum together with associated administrative and banking costs.

8.3. MatchBD will provide payment providers with full transaction and access logs to contest unjustified chargebacks.

9. GRIEVANCE AND ESCALATION

9.1. If you are dissatisfied with a decision made under this Policy, you may escalate to the Grievance Officer:

Grievance Officer

Name: Grievance Officer

Email: info@matchbd.com

Address: 102, Sukrabad, Dhaka.

9.2. Grievances will be acknowledged within three (3) working days and resolved within fifteen (15) working days where practicable.

9.3. Unresolved disputes are subject to the dispute resolution and arbitration provisions at Clause 19 of the Terms and Conditions, before the courts of Dhaka, Bangladesh.

10. STATUTORY RIGHTS

10.1. Nothing in this Policy is intended to exclude, restrict, or limit any right that cannot lawfully be excluded under the Consumer Rights Protection Act, 2009, or any other applicable law of the People's Republic of Bangladesh.

10.2. Where any provision of this Policy is found to be unenforceable, it shall be modified to the minimum extent necessary or severed, and the remainder shall continue in full force.

11. CHANGES TO THIS POLICY

11.1. MatchBD may amend this Policy at any time. Material changes will be notified through the Platform, by email, or by in-app notice at least seven (7) days before taking effect.

11.2. Changes do not apply retrospectively to Packages already purchased and active, which remain governed by the version of this Policy in force at the time of purchase.

ACKNOWLEDGEMENT

By completing any payment on the MatchBD Platform, you confirm that you have read and accepted this Refund and Credit Policy, and that you understand all payments are final and non-refundable, and that Match Credit issued on rejection has no cash value and may only be used within the MatchBD app.