1. Introduction

These Terms and Conditions govern the relationship between Ghashful, an AI-driven aggregator platform, and its users, including individuals and businesses purchasing mobile phones through financing partners such as banks, FIs, and micro-finance institutions. By using the Ghashful platform, you agree to the following terms.

2. Legal and Regulatory Information

Ghashful operates in compliance with applicable laws and regulations related to financial services, loans, and consumer rights. Any changes in laws affecting this agreement will be communicated to the users.

3. Phone Purchaser through Loan

Individuals and businesses purchasing mobile phones through Ghashful’s financing partners must meet the eligibility criteria established by those partners. Loan approval is subject to the terms outlined by the respective financial institution.

4. Loan Terms

Loan terms, including interest rates, repayment schedules, and associated fees, are determined by the financing partner. Purchasers are required to agree to these terms before completing the transaction.

5. Consequence of Death and Legal Incapacity

In the event of death or legal incapacity of the purchaser, the loan liability may transfer to their legal heirs or be subject to alternative arrangements in line with bank policies.

6. Phone/Device Warranty by Samsung

Samsung will provide global warranty and after-sales service for all mobile phones purchased through Ghashful, as per their warranty terms.

7. Bank Loan Recovery

Loan recovery actions, including potential fees and penalties, are managed by the financing partner in accordance with their policies. Ghashful is not liable for any recovery actions.

8. Legal Action for Default

In case of loan default, the financing partner reserves the right to pursue legal action, including the repossession of the financed mobile phone.

9. Samsung Knox Guard

All devices will have Samsung Knox Guard installed, ensuring security and protection of the mobile phone. Purchasers agree to abide by the usage guidelines for Samsung Knox Guard.

10. Tax

All applicable taxes related to the mobile phone purchase and loan repayment are the responsibility of the purchaser, as determined by the country’s tax laws.

11. Privacy

Ghashful is committed to safeguarding your personal information. Data will only be shared with financial partners for loan approval and processing, in accordance with our privacy policy.

12. Applicable Law and Dispute Resolution

These Terms and Conditions are governed by the laws of Bangladesh. Any disputes arising out of this agreement will be resolved through arbitration in accordance with the Arbitration Act of Bangladesh.

13. Change of Law

If there are any changes in the applicable laws that affect these terms, Ghashful reserves the right to amend this agreement, and you will be notified of any such changes.

14. Refund Policy

Once a phone purchase is confirmed, refunds may not be possible unless there is a defect in the device, covered under Samsung's warranty terms.

15. Miscellaneous

These Terms and Conditions constitute the entire agreement between you and Ghashful. Any failure to enforce a provision of this agreement does not waive Ghashful’s right to enforce the same.

16. Contact

For any inquiries or concerns, please contact Ghashful at [email protected] or call our helpline.