Terms & Conditions

Effective Date: June 2026

ONE INVESTMENT — Master Terms & Conditions

Platform Name: ONE INVESTMENT

1. Introduction & Acceptance of Terms

Welcome to ONE INVESTMENT. These Terms & Conditions ("Terms") govern your access to and use of the ONE INVESTMENT mobile application, website, digital wallet, and multi-project participation platform (collectively, the "Platform").

By downloading the app, creating an account, depositing funds into the digital wallet, or participating in any infrastructure or business project hosted on the Platform, you explicitly agree to be bound by these Terms. If you do not agree to these Terms, you must immediately cease all use of the Platform.

2. Platform Definition & Commercial Scope

2.1 Multi-Project Ecosystem: ONE INVESTMENT operates as a digital participation and infrastructure funding platform. The Platform allows users to directly allocate funds toward real-world commercial projects, which may include, but are not limited to: EV mobility networks (e.g., 1RIDE), supercharging stations, smart resorts, digital billboard systems, AI technology ventures, and solar energy deployments.

2.2 Regulatory Firewall: ONE INVESTMENT facilitates contract-based asset participation and commercial project funding. ONE INVESTMENT is not a bank, licensed financial institution, broker-dealer, mutual fund, or guaranteed deposit scheme.

2.3 Exclusion from Securities Laws: Participation in any project on this Platform does not constitute the purchase of publicly traded securities, shares, bonds, or debentures. The Platform is not governed by the Bangladesh Securities and Exchange Commission (BSEC) and does not issue public shares under the Companies Act, 1994. No feature of this app should be interpreted as a risk-free financial product.

3. User Eligibility, KYC & AML Compliance

3.1 Eligibility: To use the Platform, you must be at least 18 years of age, possess the legal capacity to enter into binding contracts, and be either a resident/citizen of Bangladesh, a Non-Resident Bangladeshi (NRB), or an approved international user (e.g., residing in the USA or Canada).

3.2 Anti-Money Laundering (AML) Mandate: In strict compliance with the directives of the Bangladesh Financial Intelligence Unit (BFIU), as well as applicable international regulatory frameworks (such as FATCA for the USA and FINTRAC for Canada) regarding Anti-Money Laundering (AML) and Counter-Terrorism Financing (CFT), ONE INVESTMENT enforces mandatory KYC protocols. Users must provide valid government-issued identification (NID/Smart Card or valid Foreign Passport), facial verification, and accurate contact details before unlocking digital wallet deposits or participation features.

3.3 Account Suspension & Reporting: ONE INVESTMENT reserves the absolute right to freeze funds, reverse transactions, permanently terminate any account, and report suspicious activities to Bangladeshi law enforcement, the BFIU, or international financial authorities if the provided KYC information is suspected to be forged, manipulated, or linked to illicit financial flows.

4. Account Security & User Obligations

4.1 Credential Protection: You are solely responsible for maintaining the confidentiality of your login credentials, OTPs, and device access. Any transaction executed through your account is deemed authorized by you.

4.2 Single Account Policy: Users are strictly permitted to maintain only one (1) verified account. The creation of duplicate accounts to manipulate referral bonuses or circumvent transaction limits will result in immediate termination of all associated accounts.

5. Digital Wallet, Financial Ledgers & Forex Risk

5.1 Wallet Utility: The ONE INVESTMENT digital wallet is a closed-loop platform ledger used strictly for staging capital to participate in hosted projects and receiving distributions from those projects. It is not a general-purpose checking account or an e-money product regulated under standard mobile banking laws.

5.2 Approved Payment Channels & Deposit Rules: Users must fund their wallets using only ONE INVESTMENT-approved channels:

• Domestic: Scheduled banks or authorized Mobile Financial Services (MFS) in Bangladesh (e.g., bKash, Nagad).
• International: Authorized international payment gateways (e.g., Stripe, Visa/Mastercard networks) and approved cross-border SWIFT wire transfers.
• Mandatory Origin Rule: To prevent money laundering, all deposits (domestic and international) must originate from a bank account or card bearing the exact legal name registered on your verified ONE INVESTMENT KYC profile. Third-party deposits are strictly prohibited and will be rejected. ONE INVESTMENT accepts no liability for funds sent to unauthorized agents, third-party brokers, or incorrect account numbers.

5.3 Base Currency Lock & Foreign Exchange (Forex) Risk: All ONE INVESTMENT ledgers, project participations, and settlement distributions are strictly denominated and calculated in Bangladeshi Taka (BDT).

• If an international user deposits funds via USD, CAD, or other foreign currencies, the funds are converted to BDT at the prevailing exchange rate by the receiving bank/gateway before crediting the app wallet. Outgoing withdrawals are similarly converted from BDT back to the local currency.
• User Liability: The user explicitly bears 100% of the risk regarding currency devaluation, Foreign Exchange (Forex) fluctuations during project lock-in periods, and all bank-imposed conversion spreads and wire fees.

5.4 Regulatory Transaction Limits: All deposits and withdrawals are strictly subject to the daily and monthly digital transaction limits imposed by Bangladesh Bank and international correspondent banking protocols.

5.5 The Ledger Source of Truth: While the app dashboard displays your current wallet balance and participation history, these visual displays are informational. In the event of a discrepancy caused by MFS gateway delays, SWIFT network delays, server desynchronization, or cyber incidents, ONE INVESTMENT's verified internal accounting ledgers shall serve as the final and absolute source of truth.

5.6 Account Dormancy: If a digital wallet remains completely inactive (no logins, deposits, or project participation) for a continuous period of twelve (12) months, ONE INVESTMENT reserves the right to classify the account as dormant. Dormant accounts may be subject to administrative maintenance fees as permitted by local law.

6. Project Participation Mechanics

6.1 Allocation of Funds: Users may choose to allocate their wallet balance toward specific projects listed on the Platform. Once a user confirms a participation tranche and the funds are locked or deployed into the project's operational pipeline (e.g., factory commitments, Bangladesh customs duties, construction costs), the capital transitions to a strictly non-refundable status.

6.2 Project Timelines & Lock-in Periods: Each project hosted on ONE INVESTMENT operates on specific commercial timelines (e.g., a 12-month participation cycle). Users must adhere to the lock-in periods defined on the specific project page. Early withdrawals or emergency liquidations are not permitted unless explicitly stated in the specific project's operational documentation.

7. Financial Realities, Distributions & Taxation

7.1 Performance-Linked Outcomes: Any distributions, profit targets, or yield percentages (e.g., 8% – 12%) displayed on the Platform are estimates and operational targets only. All financial returns are entirely variable and strictly contingent upon the real-world operational success of the specific project.

7.2 Operational Reserve Subordination: All participant distributions are subordinated to the survival and maintenance of the underlying project. Before any profit distribution is calculated, ONE INVESTMENT will unilaterally deduct critical operational reserves, including management fees, asset depreciation funds, and corporate overhead.

7.3 Mandatory Tax Withholding (NBR Compliance): As mandated by the National Board of Revenue (NBR), ONE INVESTMENT reserves the right to automatically deduct applicable Tax Deducted at Source (TDS), Advance Income Tax (AIT), and Value Added Tax (VAT) from any user distribution, withdrawal, or principal settlement prior to crediting the user's wallet. Users are solely responsible for managing their own domestic or international tax reporting (e.g., IRS/CRA filings) and annual tax liabilities.

8. Withdrawals & Settlements

8.1 Settlement Processing: Distributions or matured project capital credited to the user's digital wallet may be withdrawn to the user's verified bank account or MFS account matching their KYC identity.

8.2 Processing Timelines (SLAs): Approved withdrawal requests are generally processed within the following timeframes:

• Domestic (Bangladesh): 7 to 21 working days via MFS or BEFTN.
• International (USA/Canada/Global): 14 to 30 working days due to cross-border SWIFT clearing, gateway auditing, and correspondent banking cycles.

ONE INVESTMENT is not liable for additional delays caused by central bank clearing cycles, international banking holidays, or AML holds.

9. Intellectual Property & Limited License

9.1 Platform Ownership: All content, design, source code, logos, trademarks, and algorithms associated with ONE INVESTMENT are the exclusive intellectual property of the company.

9.2 Limited License: ONE INVESTMENT grants you a limited, non-exclusive, non-transferable, and revocable license to use the app for personal, non-commercial purposes. You may not copy, reverse-engineer, decompile, or create derivative works from the Platform.

10. Cybersecurity & Prohibited Activities

Governed in alignment with the Cyber Security Act, 2023, users are strictly prohibited from:

• Using the Platform for any illegal financial activity, money laundering, or hawala/hundi operations.
• Initiating fraudulent chargebacks with banks, credit cards, or MFS providers after participating in a project.
• Deploying automated bots, scraping data, or attempting to breach the Platform's security architecture.
• Uploading malicious code or exploiting vulnerabilities in the app's payment gateways.

Violation of these rules will result in immediate account termination, forfeiture of wallet balances pending investigation, and potential legal prosecution.

11. Force Majeure, Repatriation Risk & Platform Availability

11.1 Platform Uptime: While we strive for 99.9% uptime, ONE INVESTMENT does not guarantee that the app will be uninterrupted or error-free. Routine maintenance or unexpected server outages may occur.

11.2 Force Majeure & Macroeconomic Risk: By participating in any project on ONE INVESTMENT, you acknowledge that you are exposing your capital to commercial and systemic risks. ONE INVESTMENT shall not be held liable for project delays, financial losses, or withdrawal delays caused by events beyond our reasonable control, including but not limited to:

• Repatriation Halts: National foreign currency reserve shortages or outward remittance restrictions imposed by Bangladesh Bank affecting international SWIFT withdrawals.
• Political Unrest: Nationwide strikes (hartals), blockades, or civil disturbances.
• Infrastructure Failure: Sudden national internet shutdowns, bandwidth restrictions, or prolonged national power grid failures.
• Regulatory Shifts: Sudden import embargoes or severe, rapid fluctuations in the USD/BDT exchange rate.

12. Indemnification

You agree to indemnify, defend, and hold harmless ONE INVESTMENT, its parent company, directors, employees, and affiliates from and against any and all claims, liabilities, damages, losses, or expenses (including reasonable legal fees) arising out of your violation of these Terms, your misuse of the Platform, or your infringement of any third-party rights.

13. Limitation of Liability

To the maximum extent permitted by the laws of Bangladesh, ONE INVESTMENT, its parent entities, subsidiaries, and project operators shall not be liable for any indirect, incidental, punitive, or consequential damages—including loss of profit, loss of data, or loss of business opportunity—arising from your use of the Platform. ONE INVESTMENT's total aggregate liability in any dispute shall be strictly limited to the exact amount of capital currently held in your digital wallet or actively participating in a project.

14. Assignment & Transferability

You may not assign, sell, trade, or transfer your ONE INVESTMENT account, digital wallet, or active project participation to any third party. ONE INVESTMENT reserves the right to assign its rights and obligations under these Terms to a corporate affiliate or in connection with a merger, acquisition, or sale of assets.

15. Electronic Communications & Notices

By creating an account, you consent to receive electronic communications from ONE INVESTMENT, including notices, agreements, digital receipts, and disclosures. You agree that any electronic communication sent via the app, registered email, or SMS satisfies any legal requirement that such communication be in writing.

16. Severability & Waiver

16.1 Severability: If any provision of these Terms is found to be unenforceable or invalid by a competent court in Bangladesh, that specific provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16.2 Waiver: The failure of ONE INVESTMENT to enforce any right or provision of these Terms shall not constitute a waiver of future enforcement of that right or provision.

17. Policy Modifications

ONE INVESTMENT reserves the right to update, amend, or modify these Terms at any time to reflect shifting regulatory environments, financial laws, tax codes, or operational requirements in Bangladesh or internationally. When material changes are made, we will notify you via the app. Continued use of the Platform following any published changes constitutes your explicit acceptance of the revised Terms.

18. Governing Law & Dispute Resolution (Jurisdiction Lock)

These Terms shall be governed by and construed strictly in accordance with the laws of Bangladesh.

Jurisdiction Lock: Any dispute arising out of or relating to these Terms, financial ledgers, or project participation shall first be subject to internal mediation with ONE INVESTMENT Support. If unresolved within 60 days, the dispute shall be resolved through binding arbitration under the Arbitration Act, 2001, or fall under the exclusive jurisdiction of the competent courts located in Dhaka, Bangladesh. International users explicitly waive any right to bring class-action lawsuits or pursue legal action against ONE INVESTMENT in the courts of the United States, Canada, or any other foreign jurisdiction.

19. Contact Information