Reference

Terms and Conditions That Govern Your ef 111 Account

Before you open an account or make any deposit through bKash, Nagad, or Rocket, these terms set out exactly what we expect from you and what you can expect from us.

Account eligibility rulesWallet and payment conductbKash, Nagad, Rocket depositsAccount suspension groundsGoverning policy updates
ef 111 Terms and Conditions That Govern Your ef 111 Account
TERMS CONTACT PATHS

Reach Us About Any Terms Question

If any clause in these terms is unclear — whether it relates to your bKash deposit conduct, account wallet limits, or suspension grounds — our support team can walk you through it. We handle terms queries through three channels; pick whichever works on your device right now.

Live Chat Start a live chat session directly from your account dashboard. Our team responds to terms and account policy questions during active support hours.
Email Support Send a detailed terms query to our support email. Include your registered account number so we can pull your specific account context and reply accurately.
Help Centre The Help Centre holds written summaries of key terms clauses — wallet conduct, account suspension thresholds, and how bKash or Nagad disputes are handled.
HOW WE HANDLE POLICY

Security, Retention and Your Account Rights

Your account data, wallet transaction records, and session history are held securely and accessed only by authorised ef 111 staff for verification, dispute resolution, or compliance purposes. We keep transaction records for a defined retention period as required by our operating obligations — you may request a summary of your own account data by contacting support through live chat or email. Changes to your registered bKash, Nagad, or Rocket wallet require identity re-verification before the update is applied, which protects your account from unauthorised wallet swaps.

Data Security

Account data and wallet details are stored under SSL encryption. Only authorised staff access your records, and only for verification or dispute resolution purposes.

Record Retention

We retain transaction records — including bKash, Nagad, and Rocket transfer logs — for the period required by our operational obligations. Request your own summary via support.

Wallet Change Rules

Updating a registered payment wallet requires identity re-verification. This step prevents unauthorised changes to your Nagad or Rocket account details without your consent.

Account Dispute Process

If you believe a terms clause has been applied incorrectly to your account, raise it through live chat or email with your account ID and the specific transaction reference.

Common Questions About ef 111 Terms

These are the questions we get most often about how our terms apply to real account situations — wallet deposits, account suspension, eligibility, and your rights around data and disputes.

Yes. Any use of your ef 111 account — including a single bKash deposit — means these terms apply in full. Wallet type does not change the rules that govern your account conduct.

We notify you via your registered contact before major changes take effect. Continuing to use your account after that notice counts as your acceptance of the revised terms.

Yes. Wallet-to-account name mismatches are a grounds for suspension pending verification. Submit identity documents through support to resolve the mismatch and restore access.

Eligibility depends on your local law and whether your region is supported. We recommend confirming this before completing any Rocket or Nagad transfer to your account wallet.

Contact support via live chat or email with your account ID. We will compile a summary of your transaction history — including all bKash, Nagad, and Rocket transfers — within a reasonable period.

Prohibited conduct includes registering with false identity details, operating multiple accounts, using another person's bKash or Nagad wallet, and any attempt to manipulate platform outcomes.
Reference

Terms & Conditions

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

Access may be available only where local law permits.