Acceptance of Terms & Contractual Relationship
These Terms of Service ("Terms", "Agreement") constitute a legally binding contractual agreement between you ("User", "Member", "Customer", or "Partner") and SkillToCash Technologies Ltd. ("SkillToCash", "we", "us", or "our"), governing your access to and use of the SkillToCash website (https://skilltoocash.com), mobile portals, APIs, e-commerce marketplace, digital wallet infrastructure, and affiliate distribution platforms (collectively, the "Services").
By checking the "I agree to SkillToCash's Terms of Service" box, creating an account, depositing funds, purchasing products, or participating in the affiliate distribution network, you affirm that you have read, understood, and unconditionally agree to be bound by these Terms.
Account Registration, Eligibility & Mobile Referral Identity
To access core financial features, marketplace discounts, and team commission structures, you must register a SkillToCash account. By creating an account, you represent and warrant that:
- You are at least 18 years of age and possess full legal capacity to enter into binding agreements.
- You provide authentic, accurate, and current personal credentials, including your full legal name, active email, and legitimate mobile telephone number.
- You will maintain the security, confidentiality, and integrity of your authentication credentials.
Each individual is permitted to register and operate exactly one (1) primary member account. Operating multiple accounts, spoofing identity information, or registering false mobile numbers is strictly prohibited and constitutes grounds for immediate account termination and forfeiture of accumulated balances.
SkillToCash Digital Wallet, Transactions & Security PIN
SkillToCash provides an integrated closed-loop digital wallet architecture designed for seamless settlements across marketplace purchases, affiliate rewards, and service utilities.
Mandatory Transaction PIN: All outgoing fund operations—including peer-to-peer balance transfers, cashout withdrawals, and airtime recharges—require confirmation via your designated confidential 4-to-6 digit Transaction PIN. You are solely responsible for preventing unauthorized disclosure of your PIN. SkillToCash will never solicit your PIN through phone calls, SMS, or informal communication.
Cashout Verification & Settlement: Withdrawal requests to mobile financial services (bKash/Nagad) undergo automated anti-money laundering (AML) checks and are typically processed within 1 to 24 business hours, subject to standard operator fees and system availability.
E-Commerce Marketplace, Deliveries & Cancellations
SkillToCash curates high-quality consumer electronics, home lifestyle appliances, apparel, and digital goods. When placing orders on the marketplace:
- Product Descriptions: We endeavor to display accurate product specifications, pricing, and visual representations. However, minor variations in packaging or shade may occur.
- Order Confirmation: An order is confirmed once payment has been authorized or valid Cash-on-Delivery (COD) verification is completed.
- Delivery Timelines: Standard shipping takes 2 to 4 business days inside Dhaka, and 3 to 7 business days for nationwide deliveries via trusted courier networks.
- Returns & Refunds: Damaged, defective, or incorrect items may be returned within 7 calendar days of receipt. Refunds are credited directly to your SkillToCash Main Wallet.
10-Generation Affiliate Network & Referral Ethics
SkillToCash operates a structured 10-tier generation referral program rewarding members for community expansion and genuine consumer commerce. Participation is subject to strict ethical guidelines:
- Honest Promotion: Affiliates must accurately represent SkillToCash's products, services, and earnings structure. You may not mischaracterize SkillToCash as a passive investment scheme or guarantee unrealistic financial returns.
- No Forced Purchases: Registration on SkillToCash is free. Users are never coerced into purchasing packages or inventory to retain their account status.
- Anti-Spam Compliance: Unsolicited commercial SMS blasts, automated spam commenting, or misleading advertisements using SkillToCash trademarks without written authorization are strictly forbidden.
- Lineage Integrity: Once an account is registered with a verified Sponsor (via mobile number), the referral lineage is permanently locked to preserve organizational trust and genealogy integrity.
Digital Services, Airtime Recharge & Utility Settlements
Digital services—such as mobile top-ups for Grameenphone, Robi, Banglalink, Airtel, and Teletalk, as well as utility bill settlements—are processed through regulated telecommunications aggregator APIs.
Users are solely responsible for ensuring the target mobile number and operator selection are accurate prior to submitting PIN authorization. Transactions executed to erroneous numbers due to customer entry errors cannot be reversed once processed by the telecom carrier.
Prohibited Conduct, Fraud Prevention & Sanctions
To ensure platform security and regulatory compliance, users agree never to engage in:
- Reverse-engineering, decompiling, or exploiting software bugs, race conditions, or wallet API endpoints.
- Deploying automated bot networks, scrapers, or fraudulent referral loops to farm commission bonuses.
- Engaging in unauthorized money transfers, cash-in/cash-out laundering, or financing illicit transactions.
- Posting abusive, defamatory, threatening, or obscene material on SkillToCash review forums or community channels.
Intellectual Property & Proprietary Rights
All software, trademarks, logos, visual aesthetics, database designs, user interface code, and instructional media associated with SkillToCash are the proprietary intellectual property of SkillToCash Technologies Ltd. or its licensors.
Users are granted a limited, revocable, non-exclusive, non-transferable license to access the platform solely for personal and legitimate affiliate marketing purposes in compliance with these Terms.
Warranty Disclaimers & Limitation of Liability
The Services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. SkillToCash disclaims all warranties of merchantability, fitness for a specific purpose, and non-infringement to the fullest extent permissible by law.
In no event shall SkillToCash, its directors, officers, employees, or partners be liable for indirect, punitive, incidental, special, or consequential damages resulting from platform downtime, carrier gateway delays, or third-party unauthorized access.
Account Suspension & Termination of Access
You may request account closure at any time by contacting SkillToCash Customer Care, provided all outstanding orders are concluded and wallet settlements are disbursed. SkillToCash reserves the right to suspend or terminate accounts that breach these Terms, exhibit prolonged dormancy, or pose compliance hazards.
Governing Law, Dispute Resolution & Jurisdiction
These Terms of Service are governed by and construed in accordance with the substantive laws of the People's Republic of Bangladesh, including the Information and Communication Technology (ICT) Act, 2006 (as amended) and the Digital Security Act.
Any disputes, claims, or controversies arising out of or related to these Terms shall first be submitted to mutual amicable mediation. If unresolved within thirty (30) business days, disputes shall be submitted to the exclusive jurisdiction of the competent courts located in Dhaka, Bangladesh.
Customer Inquiries, Notice & Grievance Redressal
If you have questions, feedback, or legal notices concerning these Terms of Service, please contact our dedicated compliance desk:
- Company: SkillToCash Technologies Ltd.
- Email: [email protected] / [email protected]
- Official Website: https://skilltoocash.com
- Customer Service Hotline: Available 24/7 on WhatsApp via official portal