Terms and Conditions
Last updated: 20 October 2026These Terms and Conditions are an agreement between you and Zynotech Intelligence Limited, the business that runs Mitmat (address House 25, Block B, Road 2, Dhaka 1216). They cover the Mitmat app, the website mitmat.app and the group invite links we create. Please read them before you use Mitmat.
1Accepting these terms
By creating an account, joining a group through a link, or using any part of Mitmat, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use Mitmat.
These Terms are an electronic contract under the Information and Communication Technology Act, 2006 and the Contract Act, 1872. Tapping “I agree” in the app has the same effect as signing them.
2What Mitmat is, and what it is not
Mitmat is a record-keeping app. It helps friends, mess members, flatmates, tour groups and small businesses write down shared expenses, work out who owes whom, send reminders and keep a clear history.
- When you settle up, Mitmat opens bKash or Nagad with the other person’s number and the amount ready. You complete the payment yourself in bKash or Nagad, or pay in cash. The settlement is recorded in Mitmat when you confirm it.
- Balances in Mitmat are records that users enter and agree on. They are not deposits, e-money or a promise by Mitmat to pay anyone.
- Because we do not handle funds between users, we do not act as a payment system operator or payment service provider under the Payment and Settlement System Act, 2024. If this ever changes, we will obtain the approvals Bangladesh Bank requires before offering such a service.
3Who can use Mitmat
- You must be at least 18 years old.
- You need a Bangladeshi mobile number that you own. Adding your National ID (NID) is optional, and Mitmat does not verify it with any partner.
- You may hold only one personal account. Business ledgers are opened inside your personal account.
- You may not use Mitmat if we have closed your account before for breaking these Terms.
Friends can open a group invite link in any browser to see the group’s balances and recent expenses without an account. Joining the group happens in the app, and anyone who opens an account must meet these requirements.
4Your account and security
You sign up with your mobile number and a 6-digit code sent by WhatsApp or SMS, then choose a 5-digit Mitmat PIN that locks the app. Your Mitmat PIN is not your bKash or Nagad PIN, and should never be the same. Signing up and logging in need an internet connection.
- Keep your Mitmat PIN and login codes secret. Anyone who has them can act as you in Mitmat.
- Mitmat staff will never ask for your Mitmat PIN, your login code, or your bKash or Nagad PIN, by phone, SMS, WhatsApp or email.
- mitmat.app is our only website. Check the address before you enter anything.
- Tell us right away at support@mitmat.app / support@zynotech.io if you think someone else has used your account. We can lock it while we help you.
You are responsible for what happens in your account until you tell us it has been compromised, unless the loss was caused by our own failure.
5Keeping records with others
- Make sure the amounts, names and notes you enter are true and fair. Other members rely on them.
- Everyone in a group can see the expenses, payments and balances shared in that group.
- Anyone who has a group invite link can open it in a browser and see the group’s balances and recent expenses. Share invite links only with the people they are meant for.
- If you disagree with an entry, raise it with the person who added it. Group admins can edit or remove entries, and every change is kept in the group history.
- Deleted expenses stay in Recently deleted for 30 days, where any group member can restore them. After that they can no longer be restored, but the group's activity history still shows who deleted what, so the record stays honest.
Mitmat does the maths, but we do not decide who owes what. Agreements between users are between those users.
6Payments you make outside Mitmat
- Payments happen in bKash, Nagad or in cash. bKash and Nagad have their own terms, fees and limits.
- Before you pay, check the receiver’s name and number in your payment app. Mitmat cannot reverse a payment sent to the wrong number.
- When you come back to Mitmat and confirm the payment, the settlement is recorded. This is a record only. Mitmat does not confirm that money actually arrived.
- Any cash-out fee Mitmat shows is an estimate based on public rates. The real fee is set by your payment provider.
- Problems with a transfer, such as a failed, delayed or wrong payment, must be raised with your payment provider. We will share the records we hold if they help.
7Reminders and nudges
You can send friendly nudges to friends through WhatsApp, in a polite, friendly or funny tone.
- Send reminders only for real amounts owed, and only to people in your groups.
- Do not use reminders to threaten, shame, harass or embarrass anyone. We may limit or stop reminders that break this rule.
- People can mute reminders from you. Mitmat also limits how often reminders can be sent.
8Fees
Mitmat is free to use. Splitting bills, groups, mess meal tracking, tour funds and nudges are free, settling up between friends is free forever, and there is no subscription.
If we ever add an optional paid feature, we will show the price and what you get before you pay. There is no subscription.
9Things you must not do
- Break any law of Bangladesh, including the Money Laundering Prevention Act, 2012, the Anti-Terrorism Act, 2009 and the Cyber Security Ordinance, 2025 (or any law that replaces it).
- Use Mitmat for gambling, illegal lending, unlawful “fund” collection, fraud or any hidden transfer of money.
- Pretend to be someone else, or use another person’s NID or mobile number.
- Try to break into Mitmat, test its security without our written permission, or copy, scrape or reverse-engineer the app.
- Upload content that is abusive, sexual, hateful, or that breaks someone’s privacy or rights.
- Send spam or build fake groups to promote anything.
If we suspect any of these, we may pause or close the account and, where the law requires it, report to the proper authority.
10Your content and our brand
You own what you add to Mitmat, such as notes, photos of receipts and group names. You give us permission to store, show and process it only to run Mitmat for you and your groups.
The Mitmat name, logo, app design and software belong to Zynotech Intelligence Limited. You may not use them without our written permission.
11Services from other companies
Mitmat works with services we do not control, such as bKash, Nagad, WhatsApp, SMS providers and our hosting providers. Your Mitmat data is stored on servers in Singapore. Their own terms apply when you use them. We are not responsible for their services, outages or fees.
12Changes, availability and closing your account
- We work to keep Mitmat available, but it may sometimes be offline for maintenance or reasons outside our control. With Offline Tour Mode you can add expenses and tick mess meals without internet. These entries are kept on your device until they sync automatically when you are back online.
- We may add, change or remove features.
- You can export your data and delete your account at any time in the app (Profile > Settings). Our delete account page explains how deletion works. Please settle or forgive open balances first, so that other members’ records stay correct.
- We may suspend or close an account that breaks these Terms or the law. Where we can, we will tell you why and give you a chance to respond. You can still download your data unless the law stops us.
13Our responsibility to you
Mitmat is provided as it is. We take care to make it accurate and safe, but we cannot promise that it will always be free of errors.
- We are not responsible for money you send outside Mitmat, for payments to the wrong number, or for disagreements between users about amounts.
- As far as the law allows, our total liability to you is limited to the amount, if any, you paid Mitmat in the 12 months before the claim.
- Nothing in these Terms removes the rights you have under the Consumer Rights Protection Act, 2009 or any other law that cannot be excluded by contract.
14Complaints and disputes
If something goes wrong, please contact us first at support@mitmat.app / support@zynotech.io or on WhatsApp at +8801735773187. We will acknowledge your complaint within 2 working days and aim to resolve it within 15 working days.
These Terms are governed by the laws of the People’s Republic of Bangladesh. We follow applicable Bangladeshi law, including the Personal Data Protection Ordinance, 2025. If we cannot resolve a dispute together, the courts of Dhaka will have jurisdiction. You may also contact the Directorate of National Consumer Rights Protection.
15Changes to these terms
We may update these Terms when our service or the law changes. For important changes we will tell you in the app at least 15 days before they take effect. If you keep using Mitmat after that, you accept the new Terms. If you do not agree, you can delete your account.
16Contact us
- Zynotech Intelligence Limited, House 25, Block B, Road 2, Dhaka 1216
- Email: support@mitmat.app / support@zynotech.io
- WhatsApp support: +8801735773187
If we publish these Terms in Bangla and English and the two differ, the Bangla version will prevail.
Terms and Conditions
Last updated: 20 October 2026These Terms and Conditions are an agreement between you and Zynotech Intelligence Limited, the business that runs Mitmat (address House 25, Block B, Road 2, Dhaka 1216). They cover the Mitmat app, the website mitmat.app and the group invite links we create. Please read them before you use Mitmat.
1Accepting these terms
By creating an account, joining a group through a link, or using any part of Mitmat, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use Mitmat.
These Terms are an electronic contract under the Information and Communication Technology Act, 2006 and the Contract Act, 1872. Tapping “I agree” in the app has the same effect as signing them.
2What Mitmat is, and what it is not
Mitmat is a record-keeping app. It helps friends, mess members, flatmates, tour groups and small businesses write down shared expenses, work out who owes whom, send reminders and keep a clear history.
- When you settle up, Mitmat opens bKash or Nagad with the other person’s number and the amount ready. You complete the payment yourself in bKash or Nagad, or pay in cash. The settlement is recorded in Mitmat when you confirm it.
- Balances in Mitmat are records that users enter and agree on. They are not deposits, e-money or a promise by Mitmat to pay anyone.
- Because we do not handle funds between users, we do not act as a payment system operator or payment service provider under the Payment and Settlement System Act, 2024. If this ever changes, we will obtain the approvals Bangladesh Bank requires before offering such a service.
3Who can use Mitmat
- You must be at least 18 years old.
- You need a Bangladeshi mobile number that you own. Adding your National ID (NID) is optional, and Mitmat does not verify it with any partner.
- You may hold only one personal account. Business ledgers are opened inside your personal account.
- You may not use Mitmat if we have closed your account before for breaking these Terms.
Friends can open a group invite link in any browser to see the group’s balances and recent expenses without an account. Joining the group happens in the app, and anyone who opens an account must meet these requirements.
4Your account and security
You sign up with your mobile number and a 6-digit code sent by WhatsApp or SMS, then choose a 5-digit Mitmat PIN that locks the app. Your Mitmat PIN is not your bKash or Nagad PIN, and should never be the same. Signing up and logging in need an internet connection.
- Keep your Mitmat PIN and login codes secret. Anyone who has them can act as you in Mitmat.
- Mitmat staff will never ask for your Mitmat PIN, your login code, or your bKash or Nagad PIN, by phone, SMS, WhatsApp or email.
- mitmat.app is our only website. Check the address before you enter anything.
- Tell us right away at support@mitmat.app / support@zynotech.io if you think someone else has used your account. We can lock it while we help you.
You are responsible for what happens in your account until you tell us it has been compromised, unless the loss was caused by our own failure.
5Keeping records with others
- Make sure the amounts, names and notes you enter are true and fair. Other members rely on them.
- Everyone in a group can see the expenses, payments and balances shared in that group.
- Anyone who has a group invite link can open it in a browser and see the group’s balances and recent expenses. Share invite links only with the people they are meant for.
- If you disagree with an entry, raise it with the person who added it. Group admins can edit or remove entries, and every change is kept in the group history.
- Deleted expenses stay in Recently deleted for 30 days, where any group member can restore them. After that they can no longer be restored, but the group's activity history still shows who deleted what, so the record stays honest.
Mitmat does the maths, but we do not decide who owes what. Agreements between users are between those users.
6Payments you make outside Mitmat
- Payments happen in bKash, Nagad or in cash. bKash and Nagad have their own terms, fees and limits.
- Before you pay, check the receiver’s name and number in your payment app. Mitmat cannot reverse a payment sent to the wrong number.
- When you come back to Mitmat and confirm the payment, the settlement is recorded. This is a record only. Mitmat does not confirm that money actually arrived.
- Any cash-out fee Mitmat shows is an estimate based on public rates. The real fee is set by your payment provider.
- Problems with a transfer, such as a failed, delayed or wrong payment, must be raised with your payment provider. We will share the records we hold if they help.
7Reminders and nudges
You can send friendly nudges to friends through WhatsApp, in a polite, friendly or funny tone.
- Send reminders only for real amounts owed, and only to people in your groups.
- Do not use reminders to threaten, shame, harass or embarrass anyone. We may limit or stop reminders that break this rule.
- People can mute reminders from you. Mitmat also limits how often reminders can be sent.
8Fees
Mitmat is free to use. Splitting bills, groups, mess meal tracking, tour funds and nudges are free, settling up between friends is free forever, and there is no subscription.
If we ever add an optional paid feature, we will show the price and what you get before you pay. There is no subscription.
9Things you must not do
- Break any law of Bangladesh, including the Money Laundering Prevention Act, 2012, the Anti-Terrorism Act, 2009 and the Cyber Security Ordinance, 2025 (or any law that replaces it).
- Use Mitmat for gambling, illegal lending, unlawful “fund” collection, fraud or any hidden transfer of money.
- Pretend to be someone else, or use another person’s NID or mobile number.
- Try to break into Mitmat, test its security without our written permission, or copy, scrape or reverse-engineer the app.
- Upload content that is abusive, sexual, hateful, or that breaks someone’s privacy or rights.
- Send spam or build fake groups to promote anything.
If we suspect any of these, we may pause or close the account and, where the law requires it, report to the proper authority.
10Your content and our brand
You own what you add to Mitmat, such as notes, photos of receipts and group names. You give us permission to store, show and process it only to run Mitmat for you and your groups.
The Mitmat name, logo, app design and software belong to Zynotech Intelligence Limited. You may not use them without our written permission.
11Services from other companies
Mitmat works with services we do not control, such as bKash, Nagad, WhatsApp, SMS providers and our hosting providers. Your Mitmat data is stored on servers in Singapore. Their own terms apply when you use them. We are not responsible for their services, outages or fees.
12Changes, availability and closing your account
- We work to keep Mitmat available, but it may sometimes be offline for maintenance or reasons outside our control. With Offline Tour Mode you can add expenses and tick mess meals without internet. These entries are kept on your device until they sync automatically when you are back online.
- We may add, change or remove features.
- You can export your data and delete your account at any time in the app (Profile > Settings). Our delete account page explains how deletion works. Please settle or forgive open balances first, so that other members’ records stay correct.
- We may suspend or close an account that breaks these Terms or the law. Where we can, we will tell you why and give you a chance to respond. You can still download your data unless the law stops us.
13Our responsibility to you
Mitmat is provided as it is. We take care to make it accurate and safe, but we cannot promise that it will always be free of errors.
- We are not responsible for money you send outside Mitmat, for payments to the wrong number, or for disagreements between users about amounts.
- As far as the law allows, our total liability to you is limited to the amount, if any, you paid Mitmat in the 12 months before the claim.
- Nothing in these Terms removes the rights you have under the Consumer Rights Protection Act, 2009 or any other law that cannot be excluded by contract.
14Complaints and disputes
If something goes wrong, please contact us first at support@mitmat.app / support@zynotech.io or on WhatsApp at +8801735773187. We will acknowledge your complaint within 2 working days and aim to resolve it within 15 working days.
These Terms are governed by the laws of the People’s Republic of Bangladesh. We follow applicable Bangladeshi law, including the Personal Data Protection Ordinance, 2025. If we cannot resolve a dispute together, the courts of Dhaka will have jurisdiction. You may also contact the Directorate of National Consumer Rights Protection.
15Changes to these terms
We may update these Terms when our service or the law changes. For important changes we will tell you in the app at least 15 days before they take effect. If you keep using Mitmat after that, you accept the new Terms. If you do not agree, you can delete your account.
16Contact us
- Zynotech Intelligence Limited, House 25, Block B, Road 2, Dhaka 1216
- Email: support@mitmat.app / support@zynotech.io
- WhatsApp support: +8801735773187
If we publish these Terms in Bangla and English and the two differ, the Bangla version will prevail.