By accessing or using Nafiz Top-Up's website, platform, or services, you confirm that you are at least 13 years of age, have read and understood these Terms & Conditions, and agree to be bound by them. These terms apply to all visitors, users, and customers of our platform.

Nafiz Top-Up provides digital top-up and recharge services including but not limited to:

• Mobile phone credit top-ups for various operators
• Gaming credits and in-game currency purchases
• Utility bill payments and digital vouchers
• Other digital delivery services as offered on our platform

We reserve the right to modify, suspend, or discontinue any service at any time with or without prior notice.

To access certain features, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access or breach
• Be responsible for all activities that occur under your account

All payments must be made through the accepted methods displayed on our platform (e.g., bKash, Nagad, bank transfer). By making a payment, you confirm that:

• You are the authorized user of the payment method
• The payment information provided is accurate
• You authorize us to charge the specified amount

Refund Policy: Due to the instant nature of digital top-up services, all sales are generally considered final. Refunds may be considered only in the following situations:

• Technical failure on our end that results in non-delivery
• Duplicate charges due to system errors
• Service was charged but not fulfilled within the stated timeframe

You agree NOT to engage in any of the following:

• Using stolen, fraudulent, or unauthorized payment methods
• Attempting to exploit, hack, or reverse-engineer our platform
• Creating fake or multiple accounts to abuse promotions
• Using automated bots or scripts to interact with our platform
• Engaging in money laundering or any illegal financial activity
• Harassing, threatening, or abusing our staff or other users
• Reselling our services without prior written authorization

We strive to process all orders instantly or within the shortest possible timeframe. Standard processing times:

• Instant Top-Ups: Delivered within seconds of payment confirmation
• Manual Orders: Processed within 5–30 minutes during business hours
• Off-Hours Orders: Processed on the next business day if submitted outside operating hours

Delivery times may vary due to third-party service disruptions, network issues, or high order volume. We are not liable for delays caused by external factors beyond our control.

To the maximum extent permitted by applicable law, Nafiz Top-Up shall not be liable for any indirect, incidental, special, or consequential damages arising from:

• Use or inability to use our services
• Unauthorized access to or alteration of your data
• Actions of third-party service providers
• Any interruption or cessation of our services

Our total liability to you for any claim shall not exceed the amount you paid for the specific transaction giving rise to the claim.

All content on this platform — including logos, graphics, text, design, and code — is the intellectual property of Nafiz Top-Up and is protected by applicable copyright and trademark laws. You may not copy, reproduce, distribute, or create derivative works without our express written permission.

We reserve the right to suspend or terminate your account and access to our services at our sole discretion, without prior notice, if we determine that you have violated these Terms & Conditions or engaged in any fraudulent or illegal activity. Upon termination, any pending orders may be cancelled and pending balances reviewed on a case-by-case basis.

These Terms & Conditions shall be governed by and construed in accordance with the laws of the People's Republic of Bangladesh. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Bangladesh.

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

• Email: info.nafiztopup@gmail.com
• Telegram: @naaafizz_official
• Business Hours: 9:00 AM – 11:59 PM (GMT+6), 7 days a week