Faith

Faith is an ethical digital financial platform developed by BDAID Foundation, engineered to empower individuals, micro-entrepreneurs, and underserved communities with secure savings schemes and transparent micro-credit solutions in Bangladesh. ✨ KEY FEATURES & SERVICES 1. Fixed Deposit Receipt (FDR) • Earn attractive returns of up to 10% APY on fixed deposits. • Automated monthly profit payout directly credited to your digital wallet. • Minimum lock-in period: 12 months (1 Year) with secure capital guarantee. • Instant digital certificate generation and PDF download. 2. Smart Savings (DPS & Double Scheme) • Disciplined monthly recurring deposit schemes tailored for future goals. • Double scheme investment options designed for long-term growth. • Real-time digital ledger and automated maturity tracking. 3. Micro-Credit & Emergency Liquidity • Secured Micro-Loans: Unlock credit lines up to 90% of your active FDR value without breaking your principal deposit. • Unsecured Micro-Loans: Fast digital micro-loans for personal and small business emergencies. • Flexible repayment periods starting from 90 days to 36 months. • Zero upfront fees: No advance activation fees or upfront deductions. 4. Instant Payment Rails & Digital Settlements • Seamless wallet deposit and loan repayment via bKash, Nagad, and Rocket. • Direct scheduled bank transfers supported via BEFTN and NPSB clearing rails. • Instant Bangla QR integration for rapid transactions. 5. Security & Biometric Protection • Multi-factor authentication with biometric (Fingerprint & Face Unlock) login. • End-to-end data encryption across all network transmissions. • Complete privacy guarantee—we never share or sell personal user records. 📋 GOOGLE PLAY PERSONAL LOAN DISCLOSURE In full compliance with Google Play Developer Policies and Financial Services Regulations: • Repayment Period: - Minimum Repayment Period: 90 Days (3 Months) - Maximum Repayment Period: 1,095 Days (36 Months / 3 Years) *(Note: We do not offer short-term or payday loans requiring full repayment within 60 days).* • Annual Percentage Rate (APR) & Interest Rates: - Secured Loans (Collateralized by FDR): 12.0% Flat Per Annum - Unsecured Micro-Loans: 15.0% Flat Per Annum - Maximum Annual Percentage Rate (APR): 15.0% Per Annum • Upfront & Processing Fees: - Account Activation Fee: BDT 0.00 (100% Free) - Upfront Processing Fee: BDT 0.00 (Zero advance deductions) - Security Deposit: Settled or refundable upon loan closure. 📊 REPRESENTATIVE LOAN CALCULATION EXAMPLE If you apply for an Unsecured Micro-Loan: • Principal Amount: BDT 10,000.00 • Loan Tenure: 6 Months (180 Days) • Annual Interest Rate: 12.0% Flat • Total Interest Payable: BDT 10,000 × 12% = BDT 1,200.00 • Net Disbursed: BDT 10,000.00 (No advance deductions) • Total Repayment Amount: BDT 10,000 + BDT 1,200 = BDT 11,200.00 • Monthly Installment (EMI): BDT 1,866.67 per month 🔒 MANDATORY LEGAL & PRIVACY LINKS Faith strictly complies with Google Play's Personal Loans Permissions Policy. The app does NOT request or access sensitive permissions such as SMS, Call Logs, Contacts, Device Storage/Photos, or Continuous Location. • Privacy Policy: https://faith.bdaidfoundation.org/privacypolicy.html • Terms of Use: https://faith.bdaidfoundation.org/termsofuse.html • Lending Terms & Conditions: https://faith.bdaidfoundation.org/termsandcondition.html • Account & Data Deletion Portal: https://faith.bdaidfoundation.org/deleteaccount.html 🏢 ABOUT THE ORGANIZATION & SUPPORT • Organization: BDAID Foundation • Website: https://faith.bdaidfoundation.org • General Inquiries: [email protected] • Loan Support: [email protected] • Location: Dhaka, Bangladesh

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