EMI & Payment Policy

Financial Architecture, Settlement Gateway Frameworks & Transactional Boundaries

Effective Date: October 14, 2026

Welcome to the Garikothay.com Financial Governance Framework. This institutional policy defines the digital payment parameters, banking aggregations, Equated Monthly Installment (EMI) structural boundaries & settlement routing protocols enforced across the Garikothay.com network. Operating strictly as a decentralized, automated Peer-to-Peer (P2P) infrastructure & a hybrid marketplace, we maintain a strict programmatic separation of capital routing.

By executing a transaction, subscribing to an enterprise tier, or completing a checkout ledger within the Garikothay.com ecosystem, you explicitly acknowledge, accept & bound yourself to the financial rules detailed below.

1. Unified Payment Aggregation & Technical Routing

To guarantee absolute transactional security, data encryption & corporate credibility, all integrated financial processing on the Garikothay.com network aggregates securely through our primary payment partner, SSLCOMMERZ.

While users experience a unified, familiar & highly polished checkout interface, our backend data model implements strict programmatic routing parameters. All incoming cash flows—specifically the ৳99 directory onboarding fees, fixed monthly/annual showroom slots & platform-owned shop sales—are settled directly into our bank account with distinct operational reference tags. This allows for clear, automated source identification within our corporate banking statements.

2. Hybrid Split-Payment Operational Schema

Capital settlement paths are strictly dictated by the commercial classification of the inventory asset:

A. Core Platform Monetization & Owned Stock

Transactions involving flat-rate directory entries, premium visibility boosts, fixed monthly marketplace slots, or items explicitly sold as platform-owned stock execute through the secure online payment gateway. The system supports full tokenization across all major commercial bank credit/debit cards, Visa, Mastercard, American Express & authorized Mobile Financial Services (MFS) including bKash & Nagad.

B. Third-Party Merchant Listings & Multi-Vendor Inventory

For all products, automotive components, rental vehicles & services listed by independent third-party vendors:

• Gateway Bypass Architecture: The platform checkout architecture completely bypasses online payment processors for third-party orders. Order specifications aggregate instantly into the merchant's private panel.
• Direct Settlement: All financial processing occurs entirely peer-to-peer outside our digital environment. Consumers are strongly urged to settle transactions via Cash on Delivery (COD) at the point of physical fulfillment. Garikothay.com does not receive, handle, clear, or track these external merchant transfers.

3. Equated Monthly Installment (EMI) Structural Boundaries

As a decentralized infrastructure, Garikothay.com enforces a strict, absolute boundary regarding consumer financing, auto loans & instalment billing options:

• Platform Subscription Insulation: Garikothay.com does not offer internal platform-based EMI financing, installment payment plans, or credit lines for any internal merchant subscription tiers, advertising boosts, or flat-rate onboarding fees. All internal business solutions are payable strictly upfront via flat-rate pricing.
• Showroom & Dealer EMI Frameworks: Certain premium automotive showrooms & vehicle dealerships discovered within our Car Buy & Sale directory may offer specialized vehicle financing, bank loan processing, or EMI configurations through their corporate banking partners. All credit assessments, interest rate evaluations & down-payment contracts are negotiated directly between the consumer, the showroom management & their respective banking institutions during face-to-face transactions. Garikothay.com does not log, process, or legally underwrite automotive financing agreements.

4. Limitation of Billing Liability & Financial Indemnity

Garikothay.com operates under an absolute No-Liability Protocol regarding payment disputes, chargebacks & capital reconciliation. Because our code serves strictly as a self-service information bridge & text-based lookup directory, you explicitly agree that:

• Garikothay.com is completely indemnified against any financial losses, fraudulent transfers, hidden banking fees, or transaction scams arising from advance deposits sent via private mobile lines directly to independent vendors.
• The platform holds no accountability for interest rate fluctuations, credit rejections, or contract disputes originating from financial installment agreements settled directly with third-party showrooms or external commercial banks.

5. Framework Amendments

Garikothay.com reserves the absolute structural right to modify this monetary settlement policy at any timeline to reflect platform data updates or changes in national financial regulations. Any amendment will deploy live instantly on this static page with an updated effective timestamp.