These Terms & Conditions (“Terms”) govern your access to and use of My Account, a service of Universal Computers (“we”, “us”, “our”, “Universal Computers”). By creating an account, downloading, installing, or using the Service (including chat, file sharing, voice notes, and transaction approval messaging), you agree to these Terms. If you do not agree, do not use the Service.

1. Company & Legal Status

2. Eligibility & Account Registration

• You must provide accurate information and keep it updated.
• You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.
• If you suspect unauthorized access, you must notify us and take immediate steps to secure your account.

3. Acceptable Use

• Use the Service only for lawful purposes and in compliance with applicable laws and regulations.
• Do not attempt to access systems, data, or accounts you are not authorized to access.
• Do not upload or transmit malware, harmful code, or content that disrupts or damages the Service.
• Do not harass, threaten, or abuse other users; do not use the Service for fraud or deception.

4. Chat, Files, and Communications

The Service may include chat features such as text messaging, voice messages, and file sharing (images and PDFs). You are solely responsible for Content you send, upload, or share through the Service. We may take measures to maintain safety and integrity (e.g., rate limits, audit logs, abuse reporting, moderation actions).

5. Transaction Approval Messaging (M/P Approval Flow)

The Service may provide a Transaction Approval workflow that requires confirmation before certain transactions are finalized. For example, user M may initiate a request affecting user P (e.g., “add amount X”), and user P will receive an approval request to confirm or reject. The transaction will be finalized only after successful verification/approval (as implemented by the Service).

5.1 Shared mobile numbers / account management by another person

6. User Data, Ownership, and License

Your records and data you enter remain yours. The Service software, UI, branding, and underlying technology are owned by Universal Computers or its licensors. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for your internal/business/personal use (as applicable).

7. Paid Features, Billing, and Taxes

Some features may be offered as paid subscriptions or one-time purchases. Pricing, billing cycles, taxes, and payment terms will be displayed at the point of purchase. If you purchase through a third-party app store or payment provider, their terms may also apply.

8. Privacy

Our collection and use of personal data is described in our Privacy Policy. Please review it here: Privacy Policy.

9. Availability, Support, and Changes

• The Service is provided on an “as available” basis and may be interrupted for maintenance, upgrades, or security reasons.
• We may add, modify, or remove features (including chat/approval workflows) to improve the Service or comply with law.
• We may suspend or limit access if necessary for security, legal compliance, or to prevent harm.

10. Suspension & Termination

We may suspend or terminate your access if you violate these Terms, misuse the Service, fail to pay applicable fees, or if required by law. You may stop using the Service at any time. You may request account deletion subject to legal/operational requirements and data retention rules.

11. Disclaimers

The Service is provided “as is” and “as available”. To the maximum extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the Service will be error-free, uninterrupted, or fully secure.

12. Limitation of Liability

To the extent permitted by law, Universal Computers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, goodwill, or business interruption arising from or related to your use of the Service. Our total liability for any claim shall be limited to the amount paid by you (if any) for the Service during the period determined by applicable law, or a minimal amount if no fees were paid.

13. Indemnity

You agree to indemnify and hold harmless Universal Computers from claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from your use of the Service, your Content, or your violation of these Terms or applicable law.

14. Changes to These Terms

We may update these Terms from time to time. We will update the “Last updated” date above and, where appropriate, notify you in the Service. Continued use after changes constitutes acceptance.

15. Governing Law & Dispute Resolution

These Terms are governed by the laws of Bangladesh. Any dispute shall be subject to the competent courts within Bangladesh, unless an alternative dispute mechanism is required by applicable law.

16. Contact

For questions about these Terms, contact Universal Computers using the address above or via our website contact channel.