Terms & Conditions

Welcome to BIniQo (https://biniqo.com/). By accessing or using our website, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use our website.

Website Name: BIniQo
Website Link: https://biniqo.com/
Owner & Writer: Dipak Karmoker
Writer’s Facebook: https://www.facebook.com/writer.dipak
Contact Email: contentbd360@gmail.com
Website Niche: Finance (Personal Finance, Banking, Investments, Money Management)
Website Type: Blog / Informational Website

1. Acceptance of Terms

By accessing and using BIniQo, you accept and agree to be bound by the terms and conditions of this agreement. These terms apply to all visitors, users, and others who access or use the website. If you are using the website on behalf of an organization or entity, you represent and warrant that you have the authority to bind that organization to these terms.

Your continued use of the website constitutes your acceptance of any future modifications to these Terms & Conditions.

2. Use of Content

All content provided on BIniQo is for general informational and educational purposes only. The owner of this website makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site.

Permitted Use

  • You may view, download, and print pages from the website for your personal, non-commercial use, subject to the restrictions set out below.

  • You may share links to our content on social media, provided you give appropriate credit to Dipak Karmoker and BIniQo and do not misrepresent the content.

  • You may quote limited excerpts from our content for legitimate purposes such as criticism, comment, news reporting, teaching, scholarship, or research, provided that proper attribution is given with a link back to the original content.

Prohibited Use

You must not:

  • Republish material from this website without prior written permission (this includes republishing our financial guides, articles, tutorials, or any other content on another website, blog, or platform)

  • Sell, rent, or sub-license material from the website

  • Reproduce, duplicate, or copy material from this website for commercial purposes

  • Edit or modify any material on the website without explicit permission

  • Redistribute content from this website except for content specifically and expressly made available for redistribution

  • Use automated systems or software to extract data from this website for commercial purposes (scraping, data mining, robots, or similar data gathering and extraction tools)

  • Attempt to gain unauthorized access to any portion of the website or any systems or networks connected to the website

  • Use the website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website

  • Use the website in any way that is unlawful, illegal, fraudulent, or harmful, or in connection with any unlawful, illegal, fraudulent, or harmful purpose or activity

3. Not Professional Financial Advice

BIniQo is not a financial advisory firm, and Dipak Karmoker is not a licensed financial advisor, investment advisor, accountant, or tax professional. The information on this website does not constitute professional financial advice, investment advice, tax advice, or legal advice.

You should not rely solely on the information found on BIniQo for making financial decisions. Before making any financial decisions, you should:

  • Consult with a qualified, licensed professional (such as a financial advisor, accountant, or tax professional)

  • Verify information with official sources (banks, government agencies, financial institutions)

  • Consider your personal financial situation, goals, and risk tolerance

  • Read all terms and conditions of any financial product or service carefully

Any financial decisions you make are your own responsibility. BIniQo and Dipak Karmoker shall not be liable for any losses, damages, or consequences arising from your use of or reliance on the information provided on this website.

4. Not an Official Source

BIniQo is an independent blog and information platform. We are not affiliated with, endorsed by, or connected to any bank, financial institution, investment firm, government agency, or regulatory body unless explicitly stated. References to specific banks, financial products, companies, or services are for informational purposes only and do not constitute endorsements or recommendations.

5. Disclaimer of Warranties

This website is provided “as is,” with all faults, and BIniQo makes no express or implied representations or warranties of any kind related to this website or the materials contained on this website. Additionally, nothing contained on this website shall be construed as providing consultancy or advice to you.

Specifically, we do not warrant that:

  • The information on this website is accurate, complete, or current

  • The website will be available uninterrupted or error-free

  • Any defects on the website will be corrected

  • The website or the server that makes it available are free of viruses or other harmful components

  • The results from using the website will meet your requirements

6. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall BIniQo, its owner Dipak Karmoker, or any of its affiliates, employees, agents, or contributors be liable for any indirect, consequential, exemplary, incidental, special, or punitive damages, or any loss of profits, revenue, data, or data use, arising out of or in any way related to your use of this website or the information provided here.

This includes, but is not limited to:

  • Financial losses from investment decisions based on our content

  • Losses from banking errors or misunderstandings

  • Missed financial opportunities

  • Incorrect financial calculations or assumptions

  • Tax consequences from actions taken based on our content

  • Any decisions made regarding loans, mortgages, or credit

  • Any losses from following strategies discussed on the website

  • Any inconvenience caused by errors or omissions in the content

  • Any loss or damage of any kind incurred as a result of the use of any content posted, transmitted, or otherwise made available via the website

You use this website at your own risk.

7. Indemnification

You hereby agree to indemnify, defend, and hold harmless BIniQo, its owner Dipak Karmoker, and its affiliates, officers, agents, employees, and partners from and against any and all liabilities, claims, demands, costs, damages, and expenses (including reasonable attorney’s fees) arising out of or in any way related to:

  • Your breach of any provision of these Terms

  • Your use of the website

  • Your violation of any third-party right, including without limitation any copyright, property, or privacy right

  • Any claim that your use of the website caused damage to a third party

  • Any content you submit, post, or transmit through the website

8. External Links

Through this website, you may be able to link to other websites which are not under the control of BIniQo. We have no control over the nature, content, accuracy, availability, security, or privacy practices of those sites. The inclusion of any links does not necessarily imply a recommendation, endorsement, or approval of the views expressed within them.

We are not responsible for:

  • The content of any linked websites

  • Any changes or updates to linked websites

  • Any damages or losses arising from your use of linked websites

  • The privacy practices of linked websites

  • Any products or services offered through linked websites

When you leave our website, you should review the terms and conditions and privacy policy of that third-party site.

9. User-Generated Content

If our website allows comments, forum posts, or other user-generated content in the future, the following terms apply:

Your Responsibilities

  • You are solely responsible for any content you post.

  • You represent and warrant that you own or control all rights to the content you post and that such content does not violate these Terms or any applicable law.

  • You agree not to post any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, hateful, or racially or ethnically offensive.

Our Rights

  • We reserve the right to monitor, edit, remove, or modify any user-generated content for any reason without notice.

  • We are not obligated to review user-generated content and assume no responsibility for such content.

  • We do not endorse any user-generated content or any opinions expressed by users.

License to Use Content

By posting content on BIniQo, you grant Dipak Karmoker and BIniQo a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media.

Prohibited content includes but is not limited to:

  • Unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or hateful content

  • Content that infringes upon intellectual property rights

  • Commercial solicitations, spam, or unauthorized advertising

  • Malicious code or software

  • False or misleading information

  • Personally identifiable information of others without their consent

10. Intellectual Property Rights

All content on BIniQo, including text, graphics, logos, images, audio clips, video clips, digital downloads, data compilations, and software, is the property of BIniQo and Dipak Karmoker or its content suppliers and is protected by international copyright laws.

The compilation of all content on this site is the exclusive property of BIniQo and is protected by international copyright laws. All software used on this site is the property of BIniQo or its software suppliers and is protected by international copyright laws.

“BIniQo” and the BIniQo logo are trademarks of Dipak Karmoker. You may not use these trademarks without prior written permission.

11. Changes to the Website

BIniQo reserves the right to modify, suspend, or discontinue any part of the website at any time without notice. This includes, but is not limited to:

  • Adding, changing, or removing content

  • Changing the layout or design

  • Temporarily or permanently suspending access

  • Introducing new features or removing existing features

  • Changing the focus or niche of the website

We are not liable to you or any third party for any modification, suspension, or discontinuance of the website.

12. Changes to Terms & Conditions

We reserve the right to revise these terms & conditions at any time without prior notice. By using this website, you agree to be bound by the current version of these terms & conditions. We encourage users to frequently check this page for any changes. Your continued use of the website after any changes constitutes your acceptance of the new Terms & Conditions.

13. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of Bangladesh, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located in Bangladesh for the resolution of any disputes.

If you access the website from outside Bangladesh, you are responsible for compliance with local laws. We make no representation that the website or its content is appropriate or available for use in locations outside Bangladesh.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole, and such provisions shall be deleted without affecting the remaining provisions herein. The remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and BIniQo regarding your use of the website and supersede all prior agreements and understandings, whether written or oral.

16. Waiver

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and BIniQo’s failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

17. Contact Us

If you have any questions, concerns, or clarifications regarding these Terms & Conditions, please feel free to contact us:

Email: contentbd360@gmail.com

Owner: Dipak Karmoker
Facebook: https://www.facebook.com/writer.dipak

Contact Form: Contact Us

By using BIniQo, you hereby consent to these Terms & Conditions and agree to abide by them.