Terms and
Conditions
Terms and Conditions for this Website
Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern BRAC Saajan’s relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website. The term ‘BRAC Saajan’ refers to the owner of the website whose registered office is 160 – 162 Lozells Road, Lozells, Birmingham, B19 2SX, United Kingdom. Our company registration number is 6469886. The term ‘you’ refers to the user or viewer of our website.
The use of this website is subject to the following terms of use:
- The content of the pages of this website is for your general information and use only.
- It is subject to change without notice.
- This website uses cookies to monitor browsing preferences.
- If you do allow cookies to be used, the following personal information may be stored by us for use by third parties:
- Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose.
- You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
- Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
- This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics.
- Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
- All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.
- Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
- From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
- Your use of this website and any dispute arising out of such use of the website is subject to the laws of England, Northern Ireland, Scotland and Wales.
Terms and Conditions for Money Transfer from the United Kingdom
I understand that Payment Instrument issued cannot be cancelled without prior approval of payment bank in recipient country. No Liability will be accepted for variances or delays due to operational factors, Local regulations or causes beyond the control of BSEL. I hereby declare that the money paid to you by me was not or is not derived or obtained by illegal means, transactions or unlawful dealings.
I further undertake that I have read, understood and agree with the following:
BRAC Saajan Exchange Limited (BSEL), an Authorised Payment Institution with registered business premises at BSEL House 160-162 Lozells road Birmingham B19 2SX is undertaking this transaction at my behest. Details of its Data Protection Officer are +44 (0) 121 515 4008, Email: [email protected] I am consensually providing my personal data to BSEL for the purpose of effecting this money transfer as a necessary contractual pre-condition as well as a statutory requirement in line with the Money Laundering Regulations 2017. I am obliged to provide this information failing which the money transfer will not be carried out. BSEL shall further inform me if it intends to use the information provided for any other purpose apart from direct marketing which it may carry on as a legitimate interest.
The recipients of this personal data are BRAC Saajan Exchange Limited as a controller, its authorised staff and agent as well as other processors it may appoint for the purpose of this money transfer. This may include duly authorised and regulated processors in third countries with regard to the destination and pathway of the money transfer with or without an adequacy decision by the commission but with appropriate contractual safeguards to ensure the protection of my data rights in accordance with Article 46 of the General Data Protection Regulation and Article 75 of the Data Protection Act 2018.
The personal data provided by me will be stored by BSEL for a minimum of five years and a maximum of ten years with regard and subject to relevant provisions of article 40 of the Money Laundering Regulations 2017 Where I do not have the above information already, upon request and satisfactory identification, BSEL shall confirm if my personal data is being processed and provide access to it along with relevant information and copies of such information except where such provision affects the rights and interests of others.
The existence of my right to request for rectification of wrongful or incomplete information about me. The existence of my right to erasure of my personal data subject to Article 17 of the GDPR. The existence of my right to restriction of processing of my personal data subject to Article 18 of the GDPR.
The existence of my right of recourse to the regulatory authorities, namely the Information Commissioner’s Office (ICO), which can be reached on https://ico.org.uk/global/contact-us , and the further right to seek judicial remedy against either BSEL or the regulatory authorities.The existence of automated decision-making, including profiling as a prerequisite for entering into this contract, the results of which may inform BSEL’s contractual choice and the existence of my data portability rights subject to Article 20 of the GDPR.
BRAC Saajan Exchange Limited is not responsible for any non-sufficient funds charges or other similar charges that might be imposed by my bank or other providers. Further, BRAC Saajan Exchange Limited is not responsible in the event my designated recipient receives less than the sum remitted due to imposition of taxes/fees/charges by BRAC Saajan Exchange Limited’s processor/correspondent bank and/or the bank or financial institution of my recipient.
That BSEL will provide information on action taken on a request for access to data, rectification, erasure, restriction of processing, data portability and objection within one month of receiving such request. This period may be extended by two months with reasons adduced by BSEL. I am also aware that I can register a complaint to BSEL through [email protected] or +44 (0) 121 515 4008 with further recourse to the financial ombudsman which can be contacted via
The Financial Ombudsman Service
Exchange Tower, Harbour Exchange, London E14 9SR
or send email to [email protected] or dial 0800 023 4567 or 0300 1239 123 (Between 8am and 8pm from Mon to Fri, Sat 9am to 1pm)
or +44 20 7964 0500 (from outside the UK).
Terms and Conditions for Money Transfers from the European Economic Area (EEA)
Payment services available to users of the BRAC Saajan “REMITnGO” mobile app residing in the European Economic Area (EEA) territory are provided through a white-label partnership with Belmoney S.A., a payment institution licensed and under supervision of the National Bank of Belgium, registration no. 0540.745.997, with passport rights to operate in all EEA countries in accordance with PSD2 (Directive (EU) 2015/2366). All payments in the EEA are powered and processed by Belmoney in accordance with Belgian and European law.
For detailed terms governing the use of services provided by Belmoney S.A., see Belmoney S.A. full terms and conditions here.
BRAC Saajan Privilege Programme — Terms & Conditions
These Terms and Conditions (“Terms”) govern participation in the BRAC Saajan Privilege Programme (“the Programme”) and use of the Privilege Card (“the Card”) issued by BRAC Saajan Exchange Ltd (“BRAC Saajan”, “we”, “us”, “our”). By accepting or using the Card, the cardholder (“you”, “the Agent”) agrees to be bound by these Terms.
1. Eligibility
1.1 The Privilege Programme is available only to registered BRAC Saajan agents and is not open to the general public or non-agent customers.
1.2 Eligible agents are automatically enrolled into the Programme; no separate application is required.
1.3 Enrolment does not guarantee entitlement to any specific benefit; each benefit is subject to the agent’s card tier and the individual terms and conditions set out in these Terms.
1.4 BRAC Saajan reserves the right to determine, at its sole discretion, whether an agent qualifies for the Programme.
1.5 Eligibility Assessment Criteria
1.5.1 BRAC Saajan determines an agent’s eligibility for the Programme, and the card tier for which the agent qualifies, using the transaction-performance logic set out below.
1.5.2 Eligibility is assessed based on the agent’s transaction performance over the six-month period from February to July.
1.5.3 To be considered, an agent must have transacted in at least 5 of the 6 months within the assessment period and must have remained active in the most recent months.
1.5.4 Gold Card: the agent’s average monthly transaction volume over the assessment period must be at least £250,000, and the agent’s July transaction volume must also be at least £250,000.
1.5.5 Blue Card: the agent’s average monthly transaction volume over the assessment period must be at least £50,000, and the agent’s July transaction volume must also be at least £50,000.
1.5.6 Not Eligible: agents who are new or whose transaction activity has been inconsistent, and agents who have recently stopped transacting, will not be eligible for the Programme.
1.5.7 Where an agent does not maintain the recent transaction performance required for the Gold Card, the agent may nonetheless qualify for the Blue Card if the Blue Card criteria set out above are met.
1.5.8 BRAC Saajan reserves the right to review, amend, or reapply this eligibility logic (including the assessment period, transaction thresholds, and activity requirements) from time to time, at its sole discretion, in line with Clause 10 below.
2. Card Tiers — Blue Card and Gold Card
2.1 The Programme operates on a tiered card structure comprising the Blue Privilege Card and the Gold Privilege Card.
2.2 An agent’s card tier is determined by BRAC Saajan based on the agent’s sales performance and service standards, assessed against criteria set by BRAC Saajan from time to time, including the eligibility assessment criteria set out in Clause 1.5.
2.3 Each card tier carries its own set of benefits. Agents may only access the benefits attached to the card tier they currently hold; benefits are not interchangeable between tiers.
2.4 Card tier status is reviewed every six month. Depending on ongoing sales and service performance, an agent’s card may be upgraded (e.g. Blue to Gold), downgraded, or remain unchanged, at BRAC Saajan’s sole discretion.
2.5 A change in card tier will result in a corresponding change to the benefits available to the agent, effective from the date BRAC Saajan applies the change.
3. BRAC Bank Probashi Savings Account Reward
3.1 A cash reward is payable to the Agent for each new BRAC Bank Probashi Savings Account opened, subject to the minimum deposit requirement and the reward amount applicable to the Agent’s card tier, as set out below.
Gold Privilege Card
- £7.00 reward per new BRAC Bank Probashi Savings Account opening, subject to a minimum deposit of £20,000.
Blue Privilege Card
- £5.00 reward per new BRAC Bank Probashi Savings Account opening, subject to a minimum deposit of £20,000.
3.2 The reward is paid at BRAC Saajan’s discretion once the account-opening and minimum deposit conditions have been verified, and is subject to BRAC Bank’s own terms and conditions for the Probashi Savings Account.
3.3 The reward has no cash alternative beyond the stated amount and cannot be combined with any other new-account promotion unless expressly stated by BRAC Saajan or BRAC Bank.
4. Airport Protocol Services
4.1 Airport Protocol Services are available according to the Agent’s card tier, as follows:
Gold Privilege Card
- Airport Protocol Services for up to 4 people per booking, limited to 2 trips per calendar year, per Agent.
Blue Privilege Card
- Airport Protocol Services for up to 2 people per booking, limited to 2 trips per calendar year, per Agent.
4.2 Bookings must be requested in advance through the channels designated by BRAC Saajan (e.g. your Relationship Manager). Availability is not guaranteed and is subject to capacity at the relevant airport.
4.3 Unused trips or allowances do not roll over to the following year and have no cash value.
4.4 BRAC Saajan is not liable for delays, cancellations, or service issues caused by the airport, airline, or third-party protocol service provider.
5. Domestic Flight Booking Assistance (Bangladesh)
.1 Assistance with domestic flight booking in Bangladesh is available to Agents according to their card tier, as follows:
Gold Privilege Card
- Assistance with domestic flight booking in Bangladesh.
Blue Privilege Card
- Assistance with domestic flight booking in Bangladesh.
5.2 This is an assistance service only; flight availability, pricing, and airline terms are determined by the relevant airline and are outside BRAC Saajan’s control.
5.3 Any airline fees, taxes, or charges are the responsibility of the Agent.
6. Hotel & Resort, Food, and Clothing Discounts
6.1 Discounts are available to Agents according to their card tier, as follows:
Gold Privilege Card
- Hotel & Resort Discounts: available at selected locations.
- Food Discounts: available at selected restaurants.
- Clothing Discounts: available at selected shops.
Blue Privilege Card
- Hotel & Resort Discounts: available at selected locations.
- Food Discounts: available at selected restaurants.
- Clothing Discounts: available at selected shops.
6.2 Participating partners, discount rates, and locations may change without prior notice and are not guaranteed to be available at all times or in all areas.
6.3 Discounts cannot be combined with other offers or promotions unless expressly stated by the partner establishment.
6.4 Agents may be required to present the Card and/or valid identification to claim a discount.
7. Dedicated Relationship Manager
7.1 Access to a dedicated BRAC Bank Relationship Manager is provided according to the Agent’s card tier, as follows:
Gold Privilege Card
- Dedicated BRAC Bank Relationship Manager, based on the Agent’s account with BRAC Bank.
Blue Privilege Card
- Dedicated BRAC Bank Relationship Manager, based on the Agent’s account with BRAC Bank; terms and conditions apply.
7.2 This service is subject to BRAC Bank’s own terms and conditions and may be amended, reassigned, or withdrawn in line with those terms.
8. Annual Health Check-up
8.1 The annual health check-up benefit is available according to the Agent’s card tier, as follows:
Gold Privilege Card
- Annual Health Check-up for the cardholder only, eligible up to 3 directors for Limited Companies (LTD), 1 partner for Partnerships, and 1 individual for Sole Traders.
Blue Privilege Card
- Not included in the Blue Privilege Card benefits.
8.2 The health check-up must be booked and used within the relevant Programme year and does not carry over if unused.
8.3 The scope of the health check-up (tests included, provider, and location) is determined by BRAC Saajan and its healthcare partners and may vary from time to time.
9. Airport Lounge Services
9.1 Airport Lounge Services are available according to the Agent’s card tier, as follows:
Gold Privilege Card
- Airport Lounge Services included.
Blue Privilege Card
- Not included in the Blue Privilege Card benefits.
9.2 Airport lounge access is available subject to the terms of the lounge network or provider in use at the time, including lounge location, capacity, and opening hours.
9.3 BRAC Saajan is not responsible for lounge closures, capacity restrictions, or changes made by the lounge operator.
10. BRAC Saajan's Rights to Change or Withdraw the Programme
10.1 BRAC Saajan reserves the absolute right, at its sole discretion and at any time, without prior notice and without liability, to:
- cancel the Programme in whole or in part;
- add, remove, suspend, or modify any benefit, rule, eligibility criterion, or card tier;
- change the sales and service criteria used to determine card tiers; and
- withdraw an agent’s participation in the Programme or downgrade/revoke a card.
10.2 Where practical, BRAC Saajan will aim to give reasonable notice of significant changes, but is under no obligation to do so, and continued participation in the Programme after any change constitutes acceptance of that change.
10.3 BRAC Saajan’s decisions relating to the Programme, including card tier assignment, benefit eligibility, and any modification or withdrawal of rules or services, are final.
These Terms and Conditions were last updated on February 11, 2026.