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What You Need to Know Before You Start

123chat operates under a set of clearly stated terms that govern account access, wallet use, and your rights as someone using the platform.

Account TermsEligibility by RegionbKash, Nagad, Rocket Wallet PolicyData and PrivacyAccount Security
123chat What You Need to Know Before You Start
CONTACT AND QUERIES

How to Reach Us on Any Legal or Account Matter

If you have a question about our terms, a wallet transaction dispute, or want to understand how your account data is handled, our support team is the right first stop. You can reach us through live chat in the platform, by email, or through the account help section — all three routes connect to the same team.

Live Chat Open your account dashboard and start a live chat session. Questions about terms, wallet holds, or account access are handled directly from there without needing to leave the platform.
Email Support Send a detailed query to our support email address found in your account settings. Include your registered mobile number and the wallet type — bKash, Nagad, or Rocket — for faster resolution.
Account Help Section The help section inside your account covers common legal queries, terms changes, and how to submit a formal request for data access or account review without needing to contact support directly.
ACCOUNT AND DATA HANDLING

How 123chat Manages Your Data and Account Security

Your account data stays within our system under defined retention rules. We collect what we need to operate your wallet, verify transactions, and keep your account secure — nothing beyond that. Cookies on the platform track session behaviour to keep you logged in and to remember your wallet preference between visits. You can adjust cookie settings from your browser at any time.

Data Retention

We retain your account and transaction data for as long as your account is active and for a defined period after closure, in line with standard financial record-keeping requirements.

Cookie Policy

Session cookies keep you signed in across pages. Preference cookies remember your wallet choice — bKash, Nagad, or Rocket — so you are not selecting it from scratch every visit.

Account Security

Login uses OTP verification sent to your registered mobile number. Every session is monitored, and any unusual access attempt triggers an automatic account flag pending your confirmation.

Requesting Changes

To request a data correction, account review, or removal of stored information, submit a written request through the account help section. We process and respond to these requests within the timeline stated in our terms.

Common Questions About Terms, Access and Your Rights

These are the questions we get most often about our legal terms, account eligibility, and data rights. If yours is not here, the account help section or live chat can take it further.

Access depends on your local law and the eligible regions we serve. We cannot override local restrictions, so you are responsible for confirming your use is permitted before opening an account.

Wallet funds are held securely during any account review. Once the check is complete, processing resumes or a return is initiated to your original bKash, Nagad, or Rocket wallet depending on the outcome.

Submit a data access request through the account help section. Include your registered mobile number and wallet type. We review the request and respond within the period stated in our full terms.

The complete terms document is available inside your account settings under the legal section. It covers deposits, withdrawals, wallet verification, account closure and eligibility conditions in full.

We communicate any changes before they take effect, usually via a notification in your account dashboard or to your registered mobile number. Continued use after that date means you accept the updated terms.

Yes. Submit a removal request through the account help section. Note that certain financial records must be retained for a defined period under standard record-keeping rules, which we will explain in our response.
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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.