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Understand Your Rights Before You Open an Account

kerkiya operates under a defined legal framework that sets out your rights, account conditions and the boundaries of our service — access and eligibility depend on your local law and the eligible regions we support.

Jurisdiction-dependent accessAccount holder rightsbKash, Nagad, Rocket policy contextData retention rulesContact paths for legal queries
kerkiya Understand Your Rights Before You Open an Account
LEGAL CONTACT PATHS

Reach Us With Legal or Policy Questions

If you have a specific legal query — about your account terms, a transaction dispute involving bKash or Nagad, or a request to access the data we hold on you — use the channels below. Our support team handles policy queries during published hours; complex legal requests may take additional time to process and will receive a written response.

Live Chat Open the chat window from any page inside your account. Identify your query as a legal or policy matter so it is routed to the right team member without delay.
Email Support Send a detailed written query to our support address. Include your account ID and the specific policy section you are asking about for a faster, more precise written reply.
Account Help Centre The help centre inside your account dashboard lists documented policy answers. Check there first for common questions about account terms, wallet rules and data requests.
HOW WE HANDLE THIS

Account Security, Data and Your Policy Rights

We apply consistent security and data practices across every account, regardless of which local payment method you use. Here is how we handle the areas that matter most from a legal standpoint — data storage, cookie use, account security and who can request changes.

Data Retention

We retain account data for as long as required by our operational obligations. You may request a summary of what we hold by contacting support with your account ID and a written request.

Cookie Policy

Cookies are used for session management and fraud detection. You can adjust cookie preferences through your browser settings, though disabling certain cookies may affect how your account functions on mobile.

Account Security

Each login is verified via OTP sent to your registered mobile number. If your bKash or Nagad wallet number changes, update your account details immediately to avoid a verification mismatch.

Requesting Changes

To update personal details or request data deletion, contact support through live chat or email. Identity verification is required before any account record is altered or removed from our system.

Common Questions About Our Legal Terms

These are the questions we receive most often about account terms, data rights and policy obligations. If your question is not covered here, contact us through live chat or email.

Access and eligibility depend entirely on your local law and the region you are in. You must confirm independently that using this service is lawful in your area before opening or funding an account.

No. The bKash, Nagad or Rocket account used to fund your kerkiya wallet must be registered in your own name. Third-party wallet use results in account suspension and a transaction review.

Contact our support team via live chat or email with your account ID and the transaction reference. Internal review is the first step; all disputes are handled in writing so there is a clear record.

We store the information you provided during registration and data generated by your account activity. Submit a written request through support with your account ID to receive a summary of what we hold.

The version on this page is always current. Continuing to use your account after an update means you accept the revised terms. If you disagree, stop using your account and contact support before depositing further.

Yes, you can request data deletion by contacting us through email or live chat. Identity verification is required before we act on any deletion request, and some data may be retained for operational compliance reasons.
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Legal

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.