Purpose: To ensure user privacy, regulatory compliance, and clarify Trust Bee’s role as a digital facilitator.

Policy Statement:

• Trust Bee acts solely as a facilitator of escrow-based digital payments between registered buyers and sellers.
• Trust Bee does not validate or guarantee the legality, quality, or delivery of any service or product exchanged between the two parties.
• Buyers and sellers are individually responsible for ensuring that all terms and conditions they agree to are legal, transparent, and enforceable.
• User data (KYC, payment history, communication records) is stored with end-to-end encryption and managed under Bangladesh Bank’s Data Protection and Cybersecurity Guidelines.
• Access to user data is restricted to authorized personnel and is only shared with regulatory authorities when legally mandated.

2. Return, Refund, and Dispute Resolution Policy

Purpose: To set expectations for handling conflicts, return requests, or service issues.

Policy Statement:

Refunds and Returns are governed by the service agreement between the buyer and seller. Trust Bee facilitates the process but does not decide terms unless explicitly defined.

• In the event of a dispute, Trust Bee will:
  • Intervene to mediate.
  • Temporarily hold the funds in escrow.
  • Review submitted evidence from both parties.
• If the dispute is not resolved within 10 working days, parties can seek legal resolution.
• Any legal charges incurred due to dispute resolution must be borne equally or as mutually agreed by the buyer and seller.
• Trust Bee will not be liable for legal expenses, losses, or damages incurred due to non-performance by either party.

 3. Anti-Money Laundering (AML) and Combating Financing of Terrorism (CFT) Compliance Policy

Purpose: To meet national and international regulatory standards regarding money laundering and financial crime.

Policy Statement:

• Trust Bee operates in full alignment with the Bangladesh Financial Intelligence Unit (BFIU) and Bangladesh Bank AML/CFT Guidelines.
• All users must complete KYC (Know Your Customer) procedures before initiating any transaction.
• Trust Bee reserves the right to freeze or report any transaction that:
• Appears suspicious.
• Involves high-risk jurisdictions.
• Lacks verifiable identity or purpose.
• Responsibility for the legitimacy of funds and service scope lies with the buyer and seller.
• Trust Bee performs routine monitoring and audit checks and cooperates fully with BFIU in the event of investigation or suspicious activity.

4. Escrow Fund Handling & Settlement Policy

Purpose: To explain how funds are managed during and after a transaction.

Policy Statement:

• Trust Bee holds all buyer payments in a regulated escrow account maintained with a Bangladesh Bank-approved financial institution.
• Funds are released to the seller only when:
  • The buyer confirms successful delivery/performance.
  • The pre-agreed settlement period expires without a dispute.
• If a dispute is raised within the settlement period, funds remain frozen until resolution.
• All settlements are digitally logged and auditable for transparency and regulatory review.