Policy & Legal

The Memorandum of Association is the fundamental document that defines the constitution and scope of Prottoy Healthcare's activities.

Key Provisions:

• Name Clause: Formally establishes "Prottoy Healthcare" as our registered name
• Registered Office Clause: Specifies the location of our head office in Bangladesh
• Objects Clause: Defines our primary objective to provide comprehensive healthcare management services
• Liability Clause: Establishes the extent of members' liability
• Capital Clause: Details the authorized capital and share structure
• Subscription Clause: Lists founding members and their commitments

Objectives:

• To provide accessible and affordable healthcare services to citizens of Bangladesh
• To establish and maintain a comprehensive healthcare network across all divisions
• To facilitate efficient healthcare claims processing and management
• To promote healthcare awareness and preventive care practices
• To collaborate with healthcare providers and government agencies
• To maintain highest standards of service quality and ethical practices

Prottoy Healthcare is committed to protecting the privacy and security of our customers' personal and health information.

Information We Collect:

• Personal identification information (name, address, phone number, email)
• Healthcare information and medical history
• Claims and service utilization data
• Payment and transaction information

How We Use Your Information:

• To provide healthcare services and process claims
• To communicate important updates and notifications
• To improve service quality and customer experience
• To comply with legal and regulatory requirements

Data Security:

• Industry-standard encryption for all data transmission
• Secure storage with regular backups and access controls
• Compliance with Bangladesh Data Protection regulations
• Regular security audits and vulnerability assessments

Your Rights:

• Right to access your personal data
• Right to correct inaccurate information
• Right to request data deletion
• Right to withdraw consent

These Terms of Service govern your use of Prottoy Healthcare services. By registering as a customer or using our services, you agree to be bound by these terms.

Service Agreement:

• Eligibility criteria for healthcare services
• Service coverage and limitations
• Payment terms and conditions
• Claim submission procedures and timelines
• Customer responsibilities and obligations

Service Modifications:

• Right to modify services with prior notice
• Updates to terms and conditions
• Changes in pricing or coverage

Termination:

• Conditions under which services may be terminated
• Notice requirements for termination
• Refund policies upon termination
• Post-termination obligations

Limitation of Liability:

• Scope of our liability for service interruptions
• Force majeure provisions
• Dispute resolution procedures
• Governing law and jurisdiction

Our comprehensive refund and cancellation policy ensures transparency and fairness in all financial transactions.

Refund Eligibility:

• Services not provided within the stipulated timeframe
• Duplicate or erroneous charges
• Cancellation within the cooling-off period
• Service discontinuation by Prottoy Healthcare

Refund Process:

• Submit refund request through customer portal
• Provide necessary documentation and proof
• Allow 7-14 business days for processing
• Refunds processed to original payment method

Cancellation Terms:

• 7-day cooling-off period for new subscriptions
• 30-day notice required for service cancellation
• No fees for cancellation within cooling-off period
• Prorated refunds for annual subscriptions

Non-Refundable Items:

• Services already rendered or utilized
• Administrative and processing fees
• Third-party charges and fees
• Promotional or discounted services