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General Terms and Conditions

Last updated: June 2026

ZAP-BD General Terms and Conditions

Welcome to the ZAP-BD platform!

Please read these General Terms and Conditions ("the Agreement") carefully. The following Agreement govern the use and access of the ZAP-BD platform ("Platform") and the use of the Service owned and managed by SanSan ("SanSan", "We", "Us", "Our"). By signing up, accessing or utilising the Platform and/or using the Services, the Parties agree to be bound by this Agreement including any specific terms of use which is available on this Platform. If you do not agree to this Agreement, please refrain from accessing and/or using this Platform or the Services.

If you access this Platform and/or Service, we suggest you register for an Account. You agree, acknowledge and accept that you shall be governed by this Agreement and any other specific rules, procedures, terms, and conditions for the products, services or facilities offered as determined or as may be amended by us at any time or from time to time at its absolute discretion. Please read this Agreement carefully before accessing, purchasing, opening and maintaining an account and/or ordering any items from the Platform.

The Parties acknowledge and agree that SanSan is the Intellectual Property rights owner of this Platform.

SanSan may change this Agreement (including any Service Fees) by giving you 30 days' prior written notice which will be published on the Platform. SanSan will consider and deem the Parties have accepted the proposed changes if you do not terminate this Agreement by giving SanSan a written notice during the notice period or the continue usage of the Platform after the notice period. SanSan may also make some changes immediately, without prior notice, if we are required by the law or if it relates to the addition of a new service or extra functionality of the Platform and do not affect the specific terms of use on the Platform.

A copy of the Agreement may be downloaded and kept for future reference or refer to the terms published on the Platform at any time. The most current version of the Agreement is available on https://zap-bd.com.

Access to and use of password protected and/or secure areas of the Platform are restricted to you who have registered with an account only. You should not obtain or attempt to obtain unauthorised access to such parts of this Platform, or to any other protected information, through any means not intentionally made available by SanSan for specific use. You agree and acknowledge that you are duly responsible if you disclose your Account password to an unauthorised party and you agree not to make any claim or suit against SanSan for any loss, damages and claims as a result of your own negligence.

Please read the following additional documents which also apply to the use of the Platform and Services and should be read together with this Agreement:

  1. Specific Terms of Use;
  2. Privacy Policy; and
  3. any other terms referenced in this Agreement.

Unless otherwise specified, the above documents do form part of this Agreement.

1. Definitions

1.1. In these Terms of Service, the following words and expressions shall have the following meanings unless the context otherwise requires:

Term Definition
Account means your Account duly registered on this Platform to facilitate your access and use of the Services available on this Platform.
Agreement means the General Terms and Conditions.
Buyer, you, your means a user who purchases Items and Services on the Platform.
Gift Card means an electronic gift card which contains a stored value available for redemption on the Platform.
Intellectual Property means all copyright, patents, utility innovations, Trade Marks and service marks, geographical indications, domain names, layout design rights, registered designs, design rights, database rights, trade or business names, rights protecting trade secrets and confidential information, rights protecting goodwill and reputation, and all other similar or corresponding proprietary rights and all applications for the same, whether presently existing or created in the future, anywhere in the world, whether registered or not.
Items means the goods and Services listed by SanSan for sale on the Platform.
Losses means all penalties, losses, settlement sums, costs (including legal fees and expenses on a solicitor-client basis), charges, expenses, actions, proceedings, claims, demands, and other liabilities, whether foreseeable or not.
Materials means, collectively, all web pages on the Platform, including the information, images, links, sounds, graphics, video, software, applications, and other materials displayed or made available on the Platform and the functionalities or services provided on the Platform.
Mobile Credits means mobile phone credits.
SanSan, We, Us or Our means SanSan, the developer and Intellectual Property rights owner of the Platform.
Platform means https://zap-bd.com and such other web platform administered and managed by SanSan.
Parties means collectively, SanSan and you.
Party means either you or us.
Prohibited Material means any information, graphics, photographs, video, audio, data and/or any other material that: (a) contains any computer virus or other invasive or damaging code, program or macro; (b) infringes any third-party Intellectual Property or any other proprietary rights; (c) is defamatory, libellous, or threatening; (d) is violent, obscene, pornographic, indecent, counterfeited, fraudulent, stolen, harmful, or otherwise illegal under the applicable law; and/or (e) is or may be construed as offensive and/or otherwise objectionable, in our sole opinion.
Purchased Items means your Item listed on the Platform purchased by you.
Services means the services provided by this Platform including, without limitation, offering for sale, selling, reselling and retailing Gift Cards, virtual digital credits for games, Virtual Items and related merchandises, games publishing, online marketplace for sale of Items, and other services which may be introduced by SanSan.
Trademarks means the trademarks, service marks, trade names and logos used and displayed on the Platform.
Virtual Items means collectively, virtual in-game items and virtual currency, including, without limitation, virtual coins, tokens or points acquired.

1.2. You agree and acknowledge that you will provide SanSan with true and accurate information when signing up for an Account and when using the Platform. We may carry out customer due diligence checks on the information provided by you. You agree that you shall provide SanSan with complete, accurate, and up to date information at all times. When requested, you agree that you will promptly provide any additional information required at any time, at the latest within two (2) Business Days of a request. You acknowledge that SanSan may not provide you with the use of the Platform until SanSan have received all the information we require. SanSan will not be responsible for any loss arising out of your failure or delay in providing SanSan with the information SanSan requires.

1.3. You agree and acknowledge that SanSan do not make any inquiries or any information check or verify your information provided to SanSan hence SanSan rely on true and accurate information that you provide to SanSan.

2. Use of Platform

2.1. You shall procure, at your own costs and expenses, the requisite equipment and software to connect and access the Platform and the ensuing use of the Services. You shall bear all charges and fees imposed by third parties in relation to and in connection with you connecting your equipment to our Platform.

2.2. It is your primary responsibility to ensure that you are acquainted with the guidelines and procedures for the use of the Platform that SanSan may issue from time to time. SanSan shall not be liable for any errors, losses or damages caused by your use of the Services and/or the Platform.

2.3. It is your responsibility to secure the information of your Account. Any notification or confirmation received by us from your Account shall be deemed and presumed to have been issued by you notwithstanding that such notification or confirmation may have been issued by a third party, whether authorized or otherwise, and you shall be bound by such notification or confirmation.

2.4. SanSan shall not be liable for acting on the notification or confirmation sent through your Account. SanSan shall not be obliged or required to investigate the authenticity or authority of persons effecting the notification or confirmation or verify the completeness of such notification or confirmation.

2.5. You shall immediately notify us upon receipt of incomplete, garbled or inaccurate data or information from us. You shall also immediately notify us upon receipt of any data or information which is not intended for you, and you shall delete such data or information from your Account.

2.6. You acknowledge and agree that SanSan may at its absolute discretion to refuse or permit you to use the Services and/or the Platform without giving any reason or notice thereof.

2.7. Unless otherwise permitted by SanSan in writing, you shall not upload, post, email transmit or otherwise make available any unauthorized or illegal activities on the Platform or directly to other users of the Platform.

2.8. SanSan reserve the right, but shall not be obliged to:

  1. monitor, screen or otherwise control any activity, content or material on the Platform. SanSan may in our sole and absolute discretion, investigate any violation of the terms of this Agreement contained herein and may take any action it deems appropriate;
  2. prevent or restrict access of anyone to the Platform;
  3. report any activity it suspects to be in violation of any applicable law, statute or regulation to the appropriate authorities, and to co-operate with such authorities; and/or
  4. to request any information and data from you in connection with your use and/or access of the Platform at any time. If you refuse to divulge such information and/or data or if SanSan have reasonable grounds to suspect that you have provided inaccurate, misleading or fraudulent information and/or data, SanSan or its partner have a right to terminate your access to the Platform.

2.9. While SanSan endeavours to provide an accurate description of the Services to be provided, SanSan does not warrant that such description is accurate, current or free from error.

2.10. Any information made available on the Platform in connection with the Services offered by SanSan or its partners, including data performance are not binding and for information purpose only.

2.11. You irrevocably and unconditionally allow and permit us to send to your Account updates on services and events offered or provided by SanSan.

2.12. You shall not in any other manner whatsoever make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunication equipment.

2.13. Any typographical clerical or other error or omission in any quotation, invoice or other document or information issued by SanSan on the Platform shall be subject to correction without any liability on the part of SanSan.

3. Virtual Items

3.1. All Virtual Items reflected in the Account are not actually owned by you. You merely have a licence to use the Virtual Items on the Platform when you have purchased them.

3.2. The value of the Virtual Items reflected in the Account does not represent any credit value in real currency. The Virtual Items cannot be exchanged for real cash.

3.3. Unless otherwise permitted in writing by SanSan, you are prohibited from selling, transferring or otherwise dispose of the Virtual Items to any other persons, whether within or outside the confines of the Platform.

4. Payment

4.1. You may pay for the Services in such currency that is available on the Platform in accordance with the prevailing rate of exchange as may be determined by SanSan at its absolute discretion.

4.2. You shall be solely liable to make payments and applicable taxes, if any, in relation to and in connection with the usage of the Services through your Account.

4.3. SanSan shall have the absolute discretion to cancel any payment request made by you without assigning any reasons whatsoever or if you do not have sufficient funds in your Account.

4.4. SanSan shall be entitled to vary or modify or remove the modes of payment available on the Platform at any time without prior notice to you.

4.5. We currently accept payment only through bKash and Nagad. We do not accept any other payment method unless expressly stated on the Platform.

4.6. We cannot accept or process your request until payment has been received in clear funds and verified. By submitting your request, you confirm that you have sent payment using the mobile financial service (bKash or Nagad) we have specified, from an account lawfully belonging to or authorised by you.

4.7. You authorise us to verify your payment with the relevant payment provider. If your payment cannot be verified, is incomplete, is reversed, or is otherwise unacceptable, we may suspend, delay, or cancel your request. You are responsible for resolving any payment issue before we can proceed.

4.8. You must not initiate any chargeback, payment dispute, or reversal in bad faith after an Item has been delivered. Fraudulent or abusive payment behaviour may result in account termination and may be reported to the relevant authorities and payment providers.

4.9. You may not claim against SanSan or its partners, for any failure, disruption or error in connection with your chosen payment method. SanSan reserves the right at any time to modify or discontinue, temporarily or permanently, any payment method without notice to you or giving any reason.

4.10. If you fail to make any payment pursuant to the terms and conditions of the payment method elected or the payment is cancelled for any reason whatsoever, then without prejudice to any other right or remedy available, you shall not be entitled to any Items, Virtual Items or Services.

4.11. All transactions conducted through the Platform and/or the Services are final and non-refundable, once you have sent the request to purchase the Items, except where otherwise required by applicable law. This applies to all payment methods and payment channels supported, enabled, processed or accepted by SanSan and/or its payment partners from time to time.

4.12. Refunds, reversals or compensation shall not be provided for transactions involving scams, fraud, phishing, social engineering, impersonation, unauthorised access arising from your negligence, voluntary disclosing One Time Passwords codes or authentication credentials or any transaction authenticated using valid security verification methods.

4.13. Any transaction completed using OTP verification, login authentication, biometric verification, device authorization, or any other approved security verification method shall be deemed authorised by You.

5. Representation and Warranties

5.1. You irrevocably and unconditionally represent and warrant that to SanSan that you are 18 years old and above. If you are not 18 years old and above, you have obtained the consent and the agreement of your parent and/or legal guardian (who is above 18 years old) to access the Platform, use and purchase our Services. If we have been made aware that you have accessed our Platform without the consent or agreement of your parent and/or legal guardian, we have the right to suspend and/or terminate your account without any notice to you.

5.2. You represent and warrant that your personal information and the documentation submitted to us, including, without limitation, your full name, telephone number, correspondence address, and email address, are true and accurate and remain valid and accurate throughout the term you are accessing and using the Platform and/or Services. You warrant that you shall forthwith notify us in writing of any changes in your personal information.

5.3. You agree that you shall not use the Platform or the Services to conduct any fraudulent, immoral or illegal activities including acts of money laundering or such activities that may infringe the Intellectual Property rights of third parties.

5.4. You shall not use any Intellectual Property belonging to SanSan, any partner of SanSan or any publishers listed on the Platform, without the prior written consent of SanSan.

5.5. Save for as expressly provided in this Agreement, all other warranties conditions or terms, including those implied by statute or common law, are excluded to the fullest extent permitted by law.

5.6. SanSan shall not be liable for any Losses, damage or liability of any kind suffered by any third party directly or indirectly which is caused by other third party at no control of SanSan.

5.7. You agree that you may use the Platform only for lawful purposes. You may not use our Platform:

  1. in any way that breaches or is intended to breach any applicable local, national or international law, regulation or guideline;
  2. in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
  3. for the purpose of harming or attempting to harm others, including minors in any way;
  4. for anything that is abusive or incites hate/violence;
  5. in connection with any unsolicited or unauthorised advertising or promotional material or any other form of spam;
  6. in connection with harmful programs like viruses or spyware; or
  7. for any Prohibited Acts or unapproved purpose.

5.8. SanSan do not provide the Platform and/or Services to businesses that engage in, or support businesses involved in the following types of activities:

  1. adult entertainment and related services;
  2. gambling services where it is illegal or without the required permits or licenses;
  3. counterfeit or unauthorised goods, or products or services;
  4. weapons manufacturing, sales and supplies;
  5. the offering of regulated financial services without a valid license;
  6. the sale and/or distribution of any product or service without the requisite permit or license;
  7. the sale and/or distribution of any products or services which promote discrimination;
  8. Ponzi/Pyramid Scheme/Multi Level Marketing/Telemarketing;
  9. the trade of restricted and/or endangered animal species;
  10. the sale, distribution and/or trade of archaeological and cultural relics;
  11. the sale of access to cyberlockers or remote digital file-sharing services;
  12. promotion of any racial, religion or political agenda; or
  13. any transactions made for no genuine commercial purpose, such as money laundering.

6. Prohibited Acts

6.1. You acknowledge and agree not to engage in any of the following when you are using the Platform and Services:

  1. discuss religion, race, royalties, political, or involve in anything which is defamatory to SanSan;
  2. do any act or participate in any action or activities which is against the law;
  3. may defame any party or entity;
  4. would impersonate any person or entity;
  5. use the Platform for illegal purposes;
  6. post, promote or transmit through the Platform any Prohibited Materials;
  7. would interfere with another's utilization and enjoyment of the Platform;
  8. use or upload any software or material that contains viruses, damaging components, malicious code or harmful components; or
  9. use the Platform for fraudulent activities, cash conversion schemes, unauthorized resale of Virtual Items or credits, money laundering, scam facilitation, or any unlawful purpose.

SanSan reserves the right to suspend, terminate, reverse, or withhold any Account, transaction, or balance associated with suspicious, fraudulent, or prohibited activity without prior notice and without obligation to provide any refund.

7. Availability of Platform and/or Services

7.1. There may be certain times that the Platform and/or Services may not be available to you due to maintenance or malfunction of the Platform or such other reasons beyond the control of SanSan.

7.2. SanSan shall be entitled at its absolute discretion, without notice to you, to change the processes, the mode of operation of the Platform and/or Services at any time.

7.3. Notwithstanding any provisions to the contrary in this Agreement, SanSan shall be entitled to immediately terminate, discontinue, withdraw or suspend your use of the Platform and/or Services without notice; or impose conditions or restrictions on your use.

7.4. SanSan may, from time to time and without giving any reason or prior notice, upgrade, modify, suspend or discontinue the provision of the Platform and/or Services and shall not be liable if any such action prevents you from accessing the Platform.

7.5. You are aware that all transactions conducted on the Platform for the Services are through telecommunication and data network and these are all beyond the control of SanSan.

8. Liability

8.1. In no event shall SanSan be liable for loss of profit or goodwill, Losses, or revenue or any type of special indirect or consequential loss whatsoever even if such loss were reasonably foreseeable.

8.2. Notwithstanding any other provision of this Agreement, SanSan's maximum cumulative liability to you for any Losses under this Agreement shall not exceed the sum paid for the Service in your last transaction which gives rise to the liability.

8.3. If a number of events give rise substantially to the same Losses, they shall be regarded as giving rise to only one claim under this Agreement.

8.4. No action shall be brought against SanSan later than 30 days after the date you became aware of the circumstances giving rise to a claim.

8.5. You agree and confirm that you shall not hold SanSan, its employees, agents or licensees, liable for any special, incidental or consequential damages arising out of and in relation to the Services or the use of the Platform.

8.6. SanSan shall not be liable for any Losses resulting from the increased transaction limits or features accessible to your Account.

9. Indemnity

9.1. You agree to indemnify SanSan and its partners against all Losses (including reasonable legal fees) incurred or suffered by SanSan in connection with or as a result of:

  1. breach of this Agreement, failure to comply with applicable law;
  2. any error, default, negligence, misconduct, or fraud by you, or anyone who has access and utilised your Account;
  3. a third party alleging that SanSan's use of the information as permitted by this Agreement infringes any Intellectual Property rights; or
  4. any instructions which SanSan reasonably believe to have been made by you through your valid login details on your Account.

10. Your Account

10.1. You shall immediately notify SanSan if you are aware or believe your Account has been hacked or compromised.

10.2. You shall be liable for all transactions conducted through your Account at any time prior to the receipt by SanSan of your notification.

10.3. SanSan has the absolute right to reverse credit or Services from your Account if the following happens:

  1. if your financial institution claims reversal of a transaction;
  2. if your Account has been credited by error;
  3. if we suspect that the transaction was fraudulent or the Account is used for any activity against any law; or
  4. if we terminate or suspend your Account.

10.4. SanSan reserves the right to monitor transactions, activities, payment behavior, device information, IP addresses, mobile numbers, and usage patterns for fraud prevention, security, risk management, and regulatory compliance purposes.

10.5. SanSan may, at its sole and absolute discretion and without prior notice:

  1. suspend or block any transaction or Account;
  2. reverse a transaction where fraudulent or erroneous activity is confirmed;
  3. withhold Account balances pending investigation;
  4. permanently blacklist an Account, device, IP address, or mobile number associated with fraudulent activity; or
  5. reject future transactions from you with a history of suspicious or policy-violating activity.

A suspension, investigation, or reversal under this Clause does not entitle you to any compensation, refund, or damages of any nature.

11. Suspension, Termination or Cancellation of Services

11.1. The Services may be cancelled by SanSan at any time without prior notice to you. After cancellation, the Services may be reinstated in such manner and on such terms as SanSan may determine.

11.2. SanSan reserves the right at all times to suspend or block access to and use of the Platform and/or Services for any reason whatsoever.

11.3. You may request to deactivate your Account at any time via the Platform.

12. Disclosure of Your Information

12.1. SanSan shall be entitled and you irrevocably and unconditionally consent and authorise SanSan to the extent permitted by law, to disclose or release any information pertaining to you or your transactions to such persons as SanSan may be required to disclose under applicable law and/or such other persons or entity pursuant to any governmental directive or order of the court.

12.2. Save as otherwise permitted in Clause 12.1, SanSan will not disclose your personal information to any other party without prior notification to you.

13. Direct Recharge

13.1. Please read the Items description thoroughly and confirm that the name of the Item, your Account and the amount purchased are correct before making your request to purchase.

13.2. If you encounter any difficulties, please do not hesitate to contact our Customer Support for further assistance.

13.3. SanSan assumes no liability for wrong purchases made by you due to negligence and/or false/wrong information provided. By purchasing any Items from the Platform, you understand, acknowledge and accept that SanSan is released of any liability to you.

13.4. After payment is confirmed, you may check the received Virtual Items directly in the corresponding app, games or platform account.

13.5. If the Virtual Items are not received, you may refresh the corresponding app, games or platform account. If the Virtual Items are not received within 30 minutes of approved payment, please contact our customer service.

13.6. SanSan shall not be liable to you if the game publisher refuses to credit your app or game, the Gift Card credit has been utilised by a third party with your consent, or because of an ongoing dispute, negligence or fraud issue between you and the game publisher, Gift Card company or any of our partners.

14. Intellectual Property

14.1. The Intellectual Property in and to the Platform and/or Services and any Materials are owned, licensed to or controlled by SanSan, its licensors, Gift Card provider, game publishers or its service providers. SanSan reserve the right to enforce its Intellectual Property to the fullest extent of the law.

14.2. No part or parts of the Platform and/or Services, or any Materials on the Platform may be reproduced, reverse engineered, decompiled, disassembled, separated, altered, distributed, republished, displayed, broadcast, hyperlinked, mirrored, framed, transferred, or transmitted in any manner or by any means without our prior written permission.

14.3. The Trademarks are registered and unregistered trademarks of SanSan, partner or third parties. Nothing on the Platform and this Agreement shall be construed as granting any license or right to use any Trademarks displayed on the Platform, without our written permission.

15. Applicable Law

15.1. Your use of the Platform and Services shall be governed by the law of Singapore and you agree to exhaust all legal avenues with SanSan should any dispute arise. Any such actions shall be settled by arbitration in accordance with the Rules for Arbitration of the Singapore International Arbitration Centre (SIAC). The arbitral tribunal shall consist of a sole arbitrator, to be appointed by the Director of the SIAC. The place of arbitration shall be Singapore.

15.2. Where required, you shall obtain the approval or consent or permission of the relevant regulatory authorities prior to using the Services.

15.3. You shall fully indemnify, defend and hold SanSan and its related corporations harmless from and against any and all suits, actions, judgements, damages, costs, Losses, expenses and other liabilities arising from a breach of this Agreement. Once Items, credits, or services have been successfully delivered to the designated account as provided by you, SanSan's service obligation shall be deemed fully performed.

15.4. SanSan shall not be liable for any rejection, reversal, restriction, suspension, account ban, or other actions taken by any game publisher, platform operator, or third-party service provider.

15.5. Any post-delivery dispute shall be solely between you and the respective game publisher, Gift Card store or service provider. You shall not be entitled to any refund, compensation, replacement service, or credit from SanSan.

16. General

16.1. SanSan shall not be liable for non-performance, error, interruption or delay in the performance of its obligations under this Agreement directly or indirectly arising from an event or failure which is beyond SanSan's reasonable control.

16.2. Any notice required or permitted to be given by either party shall be in writing addressed, if to SanSan, to its registered office, and any notice to you will be sent to your registered email address.

16.3. No waiver by SanSan of any breach of this Agreement shall be considered as a waiver of any subsequent breach. SanSan's failure to enforce this Agreement shall not constitute a waiver of these terms.

16.4. If any provision of this Agreement is held to be illegal, invalid or unenforceable, the validity of the other provisions shall not be affected.

16.5. No person who is not a party to this Agreement shall have any right to enforce any terms of the Agreement.

16.6. Notwithstanding Clause 15.1, SanSan shall be entitled to commence court legal proceedings for the purposes of protecting its Intellectual Property rights and confidential information.

16.7. SanSan may, through the Platform or by such other method of notification, vary the terms of this Agreement. Your continuous use of the Platform and/or Services after the variation date shall be deemed acceptance of such variation.

16.8. This Agreement shall constitute the entire agreement between SanSan and you relating to the subject matter hereof and supersedes all prior understandings.

16.9. SanSan reserves the right to delegate or subcontract the performance of any of its functions in connection with the performance of its obligations under this Agreement.