Reference

Terms and Conditions for joya beat Accounts

These terms set out how your joya beat account works — what you agree to when you join, how deposits and withdrawals through bKash, Nagad, and Rocket are handled, and what happens if something goes wrong.

Account eligibility rulesbKash, Nagad & Rocket wallet termsWithdrawal and payout conditionsAccount suspension policyHow to raise a dispute
joya beat Terms and Conditions for joya beat Accounts
YOUR ACCOUNT RIGHTS

How We Handle Your Account and Data

Your account security is built around two-factor verification — every login from a new device triggers an OTP to your registered mobile number. Wallet transactions through bKash, Nagad, and Rocket are logged against your account ID, and you can request a full transaction history at any time through the account settings page. We hold your data only for as long as your account is active or as required under applicable law.

Data Retention

We keep your account data — transaction logs, login history, wallet records — for the period required by applicable rules. You can request deletion after account closure through support.

Account Security

OTP verification protects every new device login. If you suspect unauthorised access, freeze your account instantly from the security tab and contact live chat.

Requesting Changes

To update registered details — mobile number, email, or linked wallet — submit a verified request through account settings. Changes to payment details require identity confirmation.

Dispute Rights

You have the right to dispute any transaction or account decision. Submit your dispute via email with the transaction reference; we'll respond with the relevant terms clause applied.

TERMS HELP

Questions About Your Terms or Account

If you're unsure about any part of these terms — how a suspension decision was made, why a withdrawal was held, or how your wallet balance is calculated — our support team can walk you through the specific rule that applies. Reach us through live chat, email, or WhatsApp; responses on account and terms queries are prioritised over general enquiries.

Team online

Live Chat

Available directly from your account dashboard. Use this for urgent terms queries — held withdrawals, account locks, or wallet credit issues that need a fast answer.

Email Support

Send detailed terms or dispute queries to our support address. Include your account ID and the transaction reference from your bKash, Nagad, or Rocket app.

WhatsApp

Reach us on WhatsApp for account-related terms questions. Share your registered mobile number so we can pull up your account and respond with specifics.

Common Questions About These Terms

These are the terms questions our support team fields most often — straight answers drawn from the actual policy, not a restatement of the full document.

Account eligibility depends on your local law and region. You must be of legal age in your jurisdiction and access the platform from an eligible region. We do not override local legal restrictions.

Keep your transaction reference number from the bKash or Nagad app and contact support via live chat within 48 hours. We'll trace the payment against our logs and credit it if confirmed.

We can update the terms, but we'll notify you through your registered account before changes take effect. Continued use of your account after notice counts as your acceptance of the updated terms.

Submit an account closure request through support with your account ID. After closure is confirmed, you can request deletion of your personal data; wallet and transaction records may be retained as required by law.

If any individual clause is found unenforceable under applicable local law, that clause is removed from your agreement only. The rest of the terms continue to apply in full.

Email support with your account ID, the transaction or decision reference, and the outcome you're disputing. We'll reply citing the specific clause applied and the steps to resolve it.
Reference

Terms & Conditions

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.