Payment, Refund & Wallet Policy

Effective Date: June 2026

ONE INVESTMENT — Payment, Refund & Wallet Policy

Platform Name: ONE INVESTMENT

1. Introduction & Financial Ecosystem

This Payment, Refund & Wallet Policy ("Policy") governs all financial transactions, digital wallet operations, capital staging, withdrawals, cross-border settlements, and refund protocols within the ONE INVESTMENT mobile application and platform.

By creating an account, depositing funds, or initiating a withdrawal, you explicitly agree to the terms outlined in this Policy. This document operates in strict conjunction with the ONE INVESTMENT Master Terms & Conditions and the Asset Participation & Risk Disclosure.

2. The Digital Wallet (Closed-Loop Staging Ledger)

2.1 Wallet Classification: The ONE INVESTMENT digital wallet is a "closed-loop" staging ledger. Its sole purpose is to temporarily hold funds for the explicit purpose of allocating capital into specific projects hosted on the platform, and to receive performance-based distributions from those projects.

• Not a Bank Account: The wallet is not a checking account, savings account, or general-purpose e-money product.
• Zero Interest: Idle funds sitting unallocated in the ONE INVESTMENT digital wallet do not accrue interest or yield of any kind.

2.2 The Ledger Source of Truth: While the app dashboard provides a visual interface of your balance, it is subject to network latency and caching. In the event of any visual discrepancy, ONE INVESTMENT's verified, audited internal accounting ledgers (reconciled with our banking partners) remain the absolute and final source of truth for all balances.

2.3 Base Currency Lock & Foreign Exchange (Forex) Risk (CRITICAL): To protect against macroeconomic volatility and regulatory discrepancies, all wallet ledgers, project allocations, and settlement distributions are strictly denominated and calculated in Bangladeshi Taka (BDT).

• Incoming Conversions: If an international user (e.g., from the USA or Canada) deposits funds via USD or CAD, the funds will be converted to BDT at the prevailing exchange rate executed by the receiving bank/gateway before entering the digital wallet.
• Outgoing Conversions: If an international user initiates a withdrawal to a foreign account, the BDT balance will be converted back to their local currency (USD/CAD) by the clearing banks at the time of the transfer.
• User Liability: ONE INVESTMENT does not control exchange rates. The user explicitly bears 100% of the risk regarding currency devaluation, Foreign Exchange (Forex) fluctuations during the lock-in period, and all bank-imposed conversion spreads.

3. Approved Deposit Channels & Clearing Limits

3.1 Authorized Gateways: Users may only fund their digital wallets using ONE INVESTMENT-approved channels, which include:

• Domestic Channels: Designated Mobile Financial Services (MFS) in Bangladesh (e.g., bKash, Nagad) and direct domestic bank transfers via BEFTN/RTGS.
• International Channels: For approved Non-Resident Bangladeshis (NRBs) and international participants, deposits may be routed via authorized international payment gateways (e.g., Stripe, Visa/Mastercard networks) or authorized cross-border SWIFT wire transfers.
• Source of Funds (AML Compliance): To comply with global Anti-Money Laundering (AML) directives, all international deposits must originate from a bank account or credit/debit card bearing the exact legal name registered on the user's verified ONE INVESTMENT KYC profile. Third-party deposits will be rejected and refunded, minus applicable gateway fees.

3.2 Regulatory Transaction Limits: All deposits are strictly subject to the daily and monthly transaction limits imposed by Bangladesh Bank on your personal MFS or bank accounts, as well as limits imposed by international remittance authorities. ONE INVESTMENT cannot override or bypass these national/international financial limits.

3.3 Clearance Delays: While local MFS deposits are generally instant, domestic bank transfers (BEFTN/BACH) may take 2–3 working days to clear. International SWIFT transfers and cross-border gateway settlements may require 5–10 working days to clear and reflect in your digital wallet. ONE INVESTMENT is not responsible for missed project participation windows caused by external banking delays.

4. The Commitment Trigger & Non-Refundable Milestones

The most critical distinction in our ecosystem is the difference between "Staged Funds" and "Deployed Capital."

4.1 Staged Funds (Refundable): Funds deposited into your digital wallet that have not yet been allocated to a specific project are considered "Staged Funds." These remain highly liquid and can be withdrawn back to your linked bank/MFS account at any time, subject to standard withdrawal timelines and gateway fees.

4.2 The Commitment Trigger (The Point of No Return): The exact moment you select a project tranche, enter your OTP/PIN, and click "Confirm Participation" within the app, your capital is legally bound to that project.

• From this exact millisecond, the funds transition to Deployed Capital.
• Absolute Illiquidity: Deployed Capital is immediately staged for real-world operational use (e.g., factory invoices, international freight, NBR customs clearance) and is strictly non-refundable and non-withdrawable for the duration of the project's defined lock-in period.

5. Withdrawal Protocols & SLAs

5.1 Verified Payout Accounts: Withdrawals from the ONE INVESTMENT digital wallet can only be processed to a verified bank account or MFS account that legally matches the name on the user's verified KYC/NID/Foreign Passport profile. Third-party withdrawals are strictly prohibited under global Anti-Money Laundering (AML) directives.

5.2 Standard Processing SLAs (Service Level Agreements): Because of internal ledger reconciliation, fraud-check protocols, and banking clearing cycles, processing times are strictly adhered to:

• Domestic Withdrawals (Bangladesh): Processed within 7 to 21 working days.
• International Withdrawals (USA, Canada, etc.): Processed within 14 to 30 working days due to the complexities of cross-border SWIFT transfers, correspondent banking protocols, and international AML auditing.

5.3 High-Volume/Maturity Delays: During periods where massive project tranches mature simultaneously, withdrawal processing times may be temporarily extended. Users will be notified via the app dashboard of any expected batch-processing delays.

5.4 Force Majeure, Repatriation & SLA Disruption: ONE INVESTMENT reserves the right to temporarily pause withdrawal SLAs during extreme macroeconomic disruptions. For international users, this explicitly includes national foreign currency reserve shortages or outward repatriation restrictions imposed by Bangladesh Bank. Further disruptions include nationwide internet blackouts, banking strikes, international SWIFT network outages, or local clearing suspensions.

6. Mandatory Deductions, Taxation & Fees

6.1 NBR Compliance (Tax Withholding): In strict adherence to the National Board of Revenue (NBR), ONE INVESTMENT reserves the absolute right to automatically deduct Tax Deducted at Source (TDS), Advance Income Tax (AIT), or applicable Value Added Tax (VAT) from any project distributions prior to crediting the user's wallet. Please note that exact withholding rates may vary depending on whether the user is legally classified as a resident, a Non-Resident Bangladeshi (NRB), or a foreign citizen under Bangladesh tax law.

6.2 Gateway, Forex & Processing Fees: Users are entirely responsible for any standard cash-out charges, MFS gateway fees, inter-bank transfer fees, SWIFT wire fees, and Forex conversion spreads incurred during deposits or withdrawals. ONE INVESTMENT will clearly display any platform-specific administrative withdrawal fees prior to your confirmation of the payout request, but external banking fees will automatically be absorbed from the payout amount.

7. Refund Eligibility & Exceptions

Refunds are only issued under highly specific, system-related circumstances.

7.1 Eligible Refund Scenarios:

• System Duplication: If a technical glitch causes your bank, card, or MFS account to be charged twice for a single wallet deposit.
• Project Cancellation: If you deploy capital into a project that ONE INVESTMENT subsequently cancels or fails to launch prior to the deployment date. In this event, 100% of your allocated capital will be refunded directly to your digital wallet.

7.2 Non-Eligible Refund Scenarios:

• You cannot request a refund for "Deployed Capital" because you have changed your mind or are experiencing a personal financial emergency.
• You cannot request a refund based on dissatisfaction with the variable performance yields, provided the project is operating within the parameters of the Asset Participation & Risk Disclosure.
• You cannot request a refund for losses incurred due to international currency exchange rate changes.

7.3 Refund Request Process: To initiate a legitimate refund for a duplicate charge, you must contact Support within 72 hours of the error, providing the transaction ID, MFS/Bank/Card statement, and registered phone number. Approved technical refunds take up to 21 working days to route back through domestic gateways, and up to 30 working days for international cross-border payment gateways.

8. Chargeback Abuse & Fraudulent Reversals

8.1 Prohibition of Circumvention: Initiating a fraudulent "chargeback" or "payment reversal" directly through your bank, credit card issuer, or MFS provider after intentionally deploying capital into a project is a severe breach of contract.

8.2 Immediate Consequences: Any attempt to illegally reverse a valid platform transaction will result in:

• Immediate suspension of your ONE INVESTMENT account.
• Permanent freezing of all funds currently held in your digital wallet.
• Reporting of the fraudulent activity to the Bangladesh Financial Intelligence Unit (BFIU), international anti-fraud networks, and local law enforcement under the Cyber Security Act, 2023.

9. Account Dormancy, Escheatment & Nominee Claims

9.1 Dormancy Classification: If a digital wallet maintains a positive balance but registers zero activity (no logins, no deposits, no project participation, and no withdrawals) for a continuous period of 12 months, ONE INVESTMENT reserves the right to classify the account as "Dormant."

• Dormant accounts may be subject to a monthly administrative maintenance fee, automatically deducted from the unallocated wallet balance, until the balance reaches zero or the user reactivates the account.

9.2 Nominee Claims & Inheritance: In the unfortunate event of a verified account holder's passing, ONE INVESTMENT will transfer any unallocated staging funds and accrued distributions to the legally designated nominee registered within the app. Claims must be supported by valid documentation (e.g., registered death certificate, nominee NID/Passport), in compliance with applicable local and cross-border financial inheritance laws.

10. Policy Modifications

ONE INVESTMENT reserves the absolute right to update, amend, or modify this Payment, Refund & Wallet Policy at any time to reflect shifts in MFS regulations, international SWIFT/remittance laws, Bangladesh Bank directives, NBR tax codes, or platform operational capabilities. Continued use of the app and its financial features constitutes explicit acceptance of any revised policies.

11. Contact Information

For all payment disputes, refund requests, or withdrawal inquiries, please contact our financial support team: