Web site Specifications

Introduction

This document contains the web site specifications for mChek Bangladesh.

Web site Structure

Home Products

FAQ

Media Centre

About Us

Contact Us

T&C

Design

Navigation Bar

Navigation Flash Intro on the “Home” page and

content on the inside pages

Home | Products | FAQ | Media Center | About Us | Contact Us |

Terms and Conditions
Content
Home

Top revolving flash with:

Access USSD services on your phone

Register with your mobile at the Bank.

Select the merchant and Pay

Products

The mChek platform caters to a wide variety of solutions. The mobile payments product is the
primary solution from mChek and caters to the end consumer. The ability to use the mobile phone
to make a payment anytime, anywhere struck us as a solution that the consumer is waiting to
discover.

The mChek mobile payment solution is unique in the sense that it works across telecom operators, is
handset independent, works with all financial instruments (credit/debit/prepaid cards) and is
applicable across merchant categories to give the consumer the convenience and enhanced security
of mobile payments.

Mobile Recharge and bill payments:

The mChek platform delivers capability of Easy mobile recharge, mobile bill payment and other
utility bills like electricity, Satellite TV, Insurance premiums with the use of an SMS.

Money Transfer:

mChek can enable its users to transfer money to any participating bank account for domestic or
cross-border money transfer. mChek can also be integrated into other money transfer platforms,
such as Western Union. In fact, mChek is one of 4 global mobile payment firms (and the only one
from India) to be selected by Western Union for its Digital Vendor Program.

Over-the-counter (OTC) payments:

mChek enables a privacy-protected, fraud-free transaction during over-the-counter purchases,

without disclosing payment account credentials to the merchant. It directly helps reduce cash-usage.
The mChek mobile POS uses the merchant’s existing mobile phone for rapid expansion of the
merchant network.

Cash in/Cash Out:

mChek enables cash in and cash out same as at an ATM in a privacy-protected, fraud-free
transaction at Over-the-Counter merchants, without disclosing payment account credentials. It
directly benefits the reach for banking points. The mChek mobile ATM uses the merchant’s existing
mobile phone for rapid expansion of the merchant network.
Retailer ‘kiosk’ services:

mChek services can be deployed for end-user usage on a low-cost kiosk for use by Telco or other
retailers, creating greater value and loyalty with retailers.
FAQ

1. What is mChek?

mChek is a safe new way to make payments using your mobile phone. Now you can securely pay
for your prepaid mobile phone connection, post-paid mobile bills, flight tickets, insurance
premiums, movie tickets, utility bill payments (like Water Bill, Electricity Bill, Telephone Bill, Gas
Bill etc.) & transact on e-commerce websites, all without sharing your personal financial
information with anyone.

2. How does mChek work?

mChek links your mobile phone to your bank account credit or debit card allowing you to make
payments, money transfers, through your mobile phone and Cash in and Cash out at mChek
outlets.

3. Why should I get mChek?

mChek is the safest way to pay from your mobile phone and is convenient. You will be able to
access your bank at the nearest corner store for cash in and cash out.

4. Is mChek safe?

Every transaction using mChek must be authorized from your mobile phone using the 6 digit
mChekPIN that you set yourself on your phone and hence is known to nobody else. mChek is the
first company to be PCI DSS 1.2 certified for credit card security and is approved by Visa,
MasterCard and by leading banks.

5. Can my bank information be tampered with?

No, your bank card information cannot be tampered with. mChek stores your bank information
in a certified secure data center which is as secure as the database of a bank, in other words it is
tamper proof. Also all pages in mChek's online registration process are protected by best in class
encryption technology.

6. How do I ensure that my credit card is not used without my authorization?

Each time you make a payment, money transfer or cash in/out using mChek you will be
requested to authenticate the transaction by entering your 6 digit mChekPIN number on your
mobile phone. Your account will be used to make the payment only after you enter the 6 digit
pin. mChek will not process the transaction if the PIN entered is incorrect. After 3 incorrect
attempts, your account will be blocked and the card data will be deleted preventing any further
transactions to avoid misuse.

7. How will mChek transactions appear in my credit card statement?

In your bank statement, mChek transactions will appear just as any other transaction would. To
get a detailed view of all your mChek transactions,

8. Do I need to have GPRS or 3G service on my mobile to use mChek?

GPRS, EDGE and 3G services are not needed to use mChek. mChek works using only voice, USSD
and SMS which is available on all phones.

9. Will I be charged for SMS or USSD communications?

mChek does not charge for any communication, but operator charges will be applicable, kindly
contact your mobile operator to know your SMS tariff.

10. What should I do if my mobile phone is lost?

In case of phone-loss,

a. Contact operator to deactivate your SIM and report phone loss to concerned authorities
as you would do normally
b. Send an email to support@mchek.com.bd stating that, your phone is lost

11. What happens to my mChek account when I get a new mobile phone with the same phone
number?

You can continue using the same account on your new phone if you have the same mobile
number. To get the mChek application, please send a mail to support@mchek.com.bd with your
mobile number to download mChek to your new handset.

12. What happens to my mChek account when I change my mobile number?

Please send an email to support@mchek.net with details of the change. For security reasons
your account will be de-activated (deleted) and you will have to register your bank with your
new mobile number.
About mChek

The vision of the company and its founders was to augment everyone’s financial universe by creating
a mobile payment platform that could make and receive payments securely and instantly over any
distance.

One of the key design imperatives of the team was to conceive a product that is in keeping with
times, and one that does not change, but rather works with and integrates into the existing
infrastructure, making adoption and overall usage by all constituents simple.

mChek Bangladesh is an Exclusive Licensee of mCHQ Inc. (mChek) Cayman Island. mCHQ Inc. a
Cayman-based entity, with its operating company, mChek India Payment Systems Pvt. Ltd. provides
a patent-pending, general purpose, mobile based secure authentication, authorization, notification
and payments solution. The company’s solutions have been audited and certified by Ernst and Young
and SISA Information Security Pvt Ltd as complying with several international standards including ISO
27001 (previously BS 7799) as well as the Payment Card Industry’s Data Security Standards (PCI/DSS
1.2). Additionally, mChek’s solutions have been certified as meeting the security and transaction
integrity requirements of Visa International.

mChek’s solutions are architected to be interoperable across banks/ telecom operators/merchants

and currencies ensuring support from the lowest-end mobile handsets to high-end handsets/smart-
phones with uncompromising security that meets or exceeds the guidelines issued by Central Bank
(Regulatory Body). mChek's PCI/DSS 1.2 and ISO-27001 certified data-center operations are hosted
at the Secure Data Center in Mumbai, India. The high capacity data center has 365x24x7 monitoring
and is capable of processing over thirty six transactions per second, scalable linearly. mChek has its
60+ member Research and Development team in Bangalore, India, and a 20+ member Support and
Operations team in Mumbai, India.

Executive Committee

Mr. Kamrul Islam (Managing Director), aged 42 years, is an experienced and successful business
man. He is associated with Satview Development Ltd (Real Estate Developer), Satview Media
(Entertainment, TV & VAS Content provider), SMG Holdings, SMG Agro (Agro & Sea Food processor),
SMG Infocom (VAS & Digital Technology Provider), DCN-Digital Cineplex Network (500 Cinema Hall
Digitize Project) as Managing Director. He is the Director of Satview Cable Network (Cable TV MSO),
Satview News Network (Entertainment News provider to National Daily Newspaper). He setup ATN
Bangla TV in UK, Europe, ME and Malaysia. He is the Director of SatNet Singapore Pte Ltd (Satellite
TV content & capacity Provider) and U-Media SDN. BHD (Provider of First Bangla Mobile TV with Digi
Telecom Malaysia).

Board of Directors

Mr. Khandokar Habibur Rahman, aged 70 years, is a Director of the company. He is Director of
Purabi Insurance Company Ltd. He is a qualified Banker & Entrepreneur. He served as Sr. VP &
Secretary of UCB (United Commercial Bank, the 2nd largest private sector bank of Bangladesh). He
was Director of Govt. of Bangladesh Power Development Board (PDB). He acquired adequate
management capabilities which might be of good use to the venture. He is a very hard working and
energetic man which makes him successful in business venture.

Lt. Col. Shamim Hasan (Rtd), aged 49 years, is a Director of the company. He is retired Army person
and a successful business man. He is Director of Swarma House (Italian cuisine Restaurant Chain in
Bangladesh) and MD & CEO of Buyers & Glory-dale Bangladesh Fashion House. He served as GM and
Head of Marketing of Channel-1 TV.
Contact Us

mChek Technical Support: Phone:+880 22 4005, Email: support@mchek.com.bd

For queries: 1800 102 1033 (toll free) or+880 22 4005, Email: support@mchek.com.bd

For marketing related enquiries: email to: marketing@mchek.com.bd

For career related enquiries: Email your resume to: hr@mchek.com.bd

Registered Office:
Terms and Conditions

1. Acceptance of Terms of Use for mChek Services

1.1 Please read these terms and conditions carefully. Availing the mChek Services (as defined
below), means that you accept and agree to abide by these terms and conditions. In case
you do not agree to abide by these terms and conditions, please do not avail the mChek
Services.

1.2 mChek may in its sole discretion alter, add or delete these terms and conditions from time
to time without any prior notice which shall come into effect automatically, unless
otherwise specified by mChek. If you do not agree to any modifications, you should
discontinue availing the mChek Services (other than those which have already been availed
by you prior to such modifications). In the event you continue to avail the Services, it will
be deemed that you agree to abide by the amended terms and conditions.

2. Definitions

2.1 “mChek” shall mean and include mChek Bangladesh Limited, with its registered office at
_______________________________________, its affiliates, group companies, successors,
licensees, and assigns.

2.2 “mChek Services” shall include services to enable you:

   to make payment of bills raised by a person selling goods or providing services

(”Merchant”) for the purchase of such goods or services.

 to effect financial and money transfer transactions through the mobile phone as
well as through kiosks.

 to transfer money from your account to another account.

3. Your Obligations

3.1 3.1 You may avail the mChek Services to pay a bill by credit card, debit card and other
financial instruments, if the Merchant accepts payments via the mChek payment system.
List of Merchants who accept mChek is available
at http://www.mchek.com/merchants.htm.

3.2 You are responsible for correctly entering the mChek PIN. If the mChek PIN is incorrect, it
may result in your bill remaining unpaid. In that event, you will be responsible for any
additional fees and charges levied by either your Bank, credit/debit card issuer or the
Merchant.

3.3 You agree that all information provided by you to mChek, to avail the mChek Services is
correct to the best of your knowledge.

3.4 You authorise the Merchant to debit your nominated credit/ debit card, based on the
details of the credit/ debit card provided by you at the time of registration, for the
settlement of bills as selected by you. You also warrant that you are entitled to use the
 credit/ debit card for such payments.

3.5 It is your responsibility to ensure that sufficient credit is available on your credit/ debit card
account to permit the payment your bill.

3.6 If mChek or the Merchant believes the transaction effected using the mChek Services to be
incorrect, unauthorized or fraudulent, mChek or the Merchant can reverse the payment. In
such circumstances, your bill will remain payable to the Merchant.

3.7 You may not use mChek Services to engage in any illegal activities.

3.8 You may not use the mChek Services in any manner that could damage, disable,
overburden, or impair mChek’s servers or networks. You may not attempt to gain
unauthorized access to any services, devices, user accounts, computer systems or
networks, through hacking, password mining or any other means.

4. Your Charges

mChek will not charge you for individual bill payment transactions made using the mChek Services.
You may, however, incur charges:

a. As applicable by the Merchant for mChek service and such other charges specified by the
Merchant;

b. As applicable by the Bank for service fees, as well as government duties, taxes and fees.

mChek however reserves the right to impose applicable charges on you for the mChek Services. The
charges shall be intimated to you through a message on your mobile phone provided to mChek at
the time of registration.

5. Registration Information

You agree to provide true, accurate, current and complete information about yourself to the mChek
Customer Service when you receive the phone call at the time of registration for mCheck services. 

6. mChek Rights and Obligations

6.1 mChek is entitled to record any communications between mChek and you and any such
recording may be used as evidence in any proceedings or disputes involving mChek or its
partners including Merchants for fraud or recovery related cases. Communications sent by
means of e-mail, or SMS instructions from the mobile shall be treated as communication in
writing. Each party waives any right it may have to challenge any such communication on
the basis that it was prepared or sent or received in electronic form.

6.2 mChek is authorized to execute instructions given by you (“the User”) through whatever
means including but not limited to SMS, Web or through mobile provided the same has
been authenticated by use of the mChek PIN or through other mechanisms that can be
used to identify you including mobile number, financial account number etc. You agree to
be liable for all monies due and liabilities incurred arising from instructions given.
6.3 mChek shall not be liable to you (a) for any Loss incurred by you arising from or due to
breakdown of an equipment, delay in the transmission or wrongful interception of any
instruction through any equipment or system, including any equipment or system owned
and/or operated by or for mChek, or (b) any breach of mChek's obligations towards you
caused by or arising from any of the foregoing events.

6.4 mChek is entitled to set limits on your transaction value from time to time without
providing any prior notice of the same. This limit on your transaction value may be specific
to a Merchant, credit/debit card, bank, account, operator, any other category or generally
applicable.

6.5 mChek is hereby entitled to analyse your transaction information from time to time for the
purpose of providing you updates with respect to mChek services and facilities.

7. Data Protection

For information about mChek’s data protection practices, please read mChek’s privacy policy made
available to you along with these terms and conditions.

8. Representations, Warranties and Undertakings

You hereby represent, warrant and undertake that:

8.1 You have the complete authority to accept and agree to the terms and conditions
mentioned herein, and to give mChek any instructions from time to time;

8.2 While routing funds through mChek for the purpose of either registration or other
transactions, you shall, at all times, comply with all applicable laws including but not limited
to the laws relating to money laundering,

8.3 You acknowledge that mChek may be subject to regulations and obligations with respect to
detection, disclosure and prevention of money laundering.

  Accordingly, you undertake and agree in connection therewith:

  8.3.1 to fully cooperate with mChek and to provide all information requested by mChek
from time to time with regard to you and all transactions executed through mChek
in order to enable and assist mChek in discharging its obligations under the
applicable laws and practices in any jurisdiction where mChek conducts business,
where any User is located, and / or other service provider to mChek is located
including, but not limited to, copies of such information and documents concerning
its business and financial position as mChek may request;

8.3.2 mChek may discontinue or suspend providing any further mChek Services to you if
mChek has a reason to believe that you have been engaged in the commission of
any fraud or unlawful activity, and mChek will incur no liability to you for such
discontinuance or suspension of mChek Services;

8.3.3 that mChek may use any User information to prevent or investigate any fraud or
 unlawful conduct, including any suspected fraud or unlawful conduct;

8.3.4 that mChek may disclose any User information to (A) any investigative agencies or
other persons which may assist mChek in complying with anti money laundering or
regulatory obligations, (B) any organization which provides any services to mChek in
connection with the financial services provided by mChek, (C) regulatory bodies,
government agencies, law enforcement agencies and courts, (D) other financial
institutions, including any banks, and (E) User's authorized agent, executor,
administrator or legal representative; and

8.3.5 that mChek shall have no liability to you for any disclosure of User information as
provided for in this Clause.

8.4 The representations, warranties and undertakings in Clause 8 shall apply for any and all
instruction given to mChek from time to time.