Terms of Service

1. Acceptance of Terms

By registering an account, verifying your credentials, or using the rating services provided by TrustScore ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these terms, you are prohibited from using the platform.

TrustScore is a social credibility verification service built to establish trust, secure lease/rental transactions, reduce fraud in business partnerships, and facilitate access to financial products in Bangladesh.

2. User Accounts & Eligibility

To use the Service, you must create a simulated or live profile using your unique username, email address, and a secure password. You agree to provide accurate and truthful data during verification check segments (including phone, email, address, and NID details).

You are fully responsible for maintaining the confidentiality of your credentials and are liable for all actions taken under your account name. Any attempt to spoof, hijack, or duplicate accounts will result in immediate suspension.

3. Credibility Score Rules

TrustScore calculates ratings mathematically to establish transparency.

• Base Score: All users start at a base score of 0 points (Scale bounds: 0 to 1000).
• Identity Verification: +1.00 Point is applied for each verified profile detail (Phone, Email, Address, DOB).
• Positive Recommendations: +0.50 Points are added for each verified peer 5-star recommendation.
• Negative Reviews: -0.50 Points are deducted for each verified peer 1-2 star review.
• Repaid Loans: +1.00 Point is awarded for each micro-loan repaid on time.
• Unpaid Disputes: -2.00 Points are deducted for each default or disputed loan contract.

4. Peer Recommendation Policies

To prevent fraud and manipulation, only peer recommendations written by verified users (holding at least a Bronze Badge verification tier) will impact credibility scores.

Written reviews must reflect actual business, employment, or rental transactions. The submission of false positive reviews (collusion) or false negative reviews (harassment) is strictly prohibited and will trigger a manual score dispute investigation.

5. Micro-Loans & Accountability

TrustScore works with partner financial institutions to simulate and facilitate pre-approved micro-loans (Gadget, Education, Personal, Car, and Home loans). Pre-approvals are determined dynamically by your Badge Tier (Bronze, Silver, Gold, or Platinum VIP).

Applying for and obtaining a loan creates a pending obligation in your dashboard. Users are obligated to resolve loans. Failure to repay an active loan, or logging a default, marks the loan as disputed, applying a heavy score penalty of -2.00 points and restricting future platform benefits.

6. Prohibited User Conduct

You agree not to utilize the Service to:

• Submit fake documents, NIDs, or verify information that you do not own.
• Coordinate review manipulation circles to falsely inflate or deflate score standings.
• Use automated bots or scripts to query, extract, or scrape user scores or review logs.
• Harass, threaten, or defame other landlords, renters, or business partners.

7. Limitation of Liability

TrustScore offers a credibility calculation service aiming to reduce risk by 40% to 70% based on verified criteria. However, we do not guarantee the absolute honesty, behavior, or solvency of any user, landlord, tenant, or business partner.

The Service is provided "as is" and "as available". In no event shall TrustScore Ltd. be liable for any direct, indirect, incidental, or consequential losses resulting from rental defaults, business partnerships, or financial trades initiated via references on this site.