1. Introduction

Welcome to jote.io, operated by JOTE Limited ("we", "our", "us"). By accessing our platform, you agree to these Terms.

2. Services Offered

We offer access to collective micro-investing opportunities, financial literacy resources, and transaction facilitation.

3. Eligibility

To use the platform, you must be 18 years or older and complete Know Your Customer (KYC) verification.

4. User Obligations

You must provide accurate information and comply with laws and platform rules.

5. Fees and Charges

Applicable platform subscription, transaction, and profit-sharing fees will be disclosed before transactions.

6. Risk Disclosure

Investing involves risks, including potential loss of capital. jote.io does not guarantee returns.

7. Refunds and Cancellations

Please see our Refund and Return Policy.

8. Intellectual Property

JOTE Limited owns content and branding.

9. Privacy Policy

See our separate Privacy Policy.

10. Limitation of Liability

We are not liable for indirect or consequential losses.

11. Amendments

Terms may change. Continued use means acceptance of changes.

12. Governing Law

The laws of Bangladesh govern these Terms.

13. Contact

For questions about these terms and conditions, please contact us at:

• Email: info@jote.io

14. Consent to Electronic Communication

By creating an account, you consent to receive electronic communications from jote.io, including legal notices, transaction updates, and platform notifications. You agree that such communications satisfy legal requirements for written communication. You may withdraw consent by contacting info@jote.io.