Fah Swe
Fah Swe New Development Order
Full payment vs order-tied loan · 20% advance · 80% monthly · contract PDF
This page explains New development orders in the client portal: corrections, admin Final approve (lock), then Full payment or Loan payment. Loan financing here is tied to that locked order — it is not the catalog App Loan store at /program/loan.
On this page
- 1. What this is
- 2. End-to-end flow
- 3. Full payment vs Loan
- 4. Loan steps (20% / 80%)
- 5. Contract, dues & banners
- 6. vs App Loan catalog
- 7. FAQ
- Loan cancellation — no refund
- Sell or transfer your loan app
- Identity cleanup after cancellation or transfer
- Support coverage, renewal and feature extensions
- Overdue installments and admin access
1. What this is
New development is a standalone Service Order — you do not need an existing project. You describe scope cards, admin quotes and corrects, then Final approve locks the price.
After lock you choose how to pay: 100% of the locked cash quote now, or finance with a term fee plus a 20% advance on the financed total.
2. End-to-end flow
Step 1 — Dashboard → Orders → New development. Submit scope.
Step 2 — Quote and correction thread until admin Final approve (lock).
Step 3 — Open Pay: Full payment or Loan payment.
Step 4a — Full payment: pay 100%. After admin verifies, the project starts automatically (no long contract fill).
Step 4b — Loan: pick 1–12 months → identity, live ID camera, signature, live face → submit application (advance invoice created then) → pay advance → admin approves → project starts.
Step 5 — Admin approves loan KYC + advance → contract page (PDF view + download) + monthly schedule → project starts.
3. Full payment vs Loan
Full payment = confirm path to open the cash invoice. Project auto-starts only when the invoice is 100% paid. Admin may start the project once ≥50% is paid.
Loan payment = financed total first. Term fee = locked cash × 2% × months (1–12). Loan total = cash + term fee. No invoice while browsing months. After KYC submit, advance = 20% of loan total. Remaining 80% is split across those months.
Example: cash 400 USD, 2 months → term fee 16 USD → loan total 416 USD → advance 83.20 USD · remaining 332.80 USD · about 166.40 USD / month.
4. Loan steps (20% / 80%)
Months selector shows live totals: cash quote, term fee, loan total, advance 20%, remaining 80%, monthly amount. Changing months changes the loan total and the 20% advance.
Pay the advance invoice (proof as usual). ID and face use the device camera — not a gallery picker — so captures are live.
Identity: name, company, ID type, address, zip. Then ID front (and back if two-sided), canvas signature, live face verify. Camera permission is required to submit.
KYC images stay private (client contract page + admin). They never appear on Recent Work or public top-client profiles.
5. Contract, dues & banners
After approve, the contract page is a Fah Swe branded document: parties, locked value, advance, remaining schedule, legal default wording, and signature. Download the same content as PDF.
Installment table: month #, due date, amount, upcoming / paid / overdue.
Dashboard banners: a dismissible reminder appears 7 days before the next unpaid due date. On or after the due date an overdue banner replaces it until that installment is paid.
When the project is completed and published on Recent Work, only a short “loan process” note may appear — never KYC, IDs, signatures, or installment amounts.
6. vs App Loan catalog
Catalog App Loan (/loan, /dashboard/loans, /program/loan) is a product you apply for from the store.
New development loan is financing for a locked custom development order. Use this page for that path; use /program/loan for catalog app loans.
7. FAQ
Q: Can I skip the 20% advance? A: No — advance is required for the loan path.
Q: When does the project start on full pay? A: After admin verifies the 100% payment.
Q: When does the project start on loan? A: After admin approves KYC and advance; the contract page then opens.
Q: Is this the same as /program/loan? A: No — that is the catalog app-loan product.
Q: Bangla? A: /bn/program/development-order.
Loan cancellation — no refund
You can request cancellation of a Fah Swe app loan or development loan at any time from My Loans. A request needs administrator approval. You can withdraw it before approval; submitting a request alone does not cancel your agreement.
After an administrator approves cancellation, all remaining unpaid loan amounts, including overdue amounts, are cancelled. Amounts already paid, including the advance and installments, are not refunded because Fah Swe has already provided setup, development, access or support. This does not limit any refund or remedy required by applicable law.
Loan service entitlement ends on approval. The private loan project and that loan's KYC links are scheduled for cleanup 24 hours after approval, at the next maintenance run. The dashboard shows the approval and cleanup times. Hosting, app credentials and third-party publishing changes are handled by Fah Swe staff where necessary.
Paid invoices, actual payments and the written agreement remain for accounting. The published Recent Work / portfolio case study stays at its existing URL with a visible Cancelled loan label. A completed historical delivery is not presented as an active loan.
Sell or transfer your loan app
An owner can request a transfer to another active, registered Fah Swe account. The receiving account must accept the current loan schedule and transfer terms, provide its own KYC, and receive manual administrator approval. Never share your account password with the buyer. Fah Swe does not collect or guarantee a private resale price between the two parties.
Once the receiving account accepts, the project is paused during identity review. The loan does not become active for the buyer until KYC is approved and Fah Swe completes the transfer. A rejected, withdrawn or expired transfer restores the previous loan state. A pending invitation expires after seven days.
The original total, actual paid credit, remaining balance, installment amounts, currency and due dates are carried forward without a reset, discount or new advance. All paid, partially paid and unpaid invoices for the loan project move to the receiving account with the same invoice numbers, dates, amounts, payment records and outstanding balances. The original billing party and the account on which earlier payments were recorded remain in the accounting history. The receiving account can open the invoices and pay remaining amounts; the former account loses invoice access. KYC, identity signatures and private payment-proof uploads are not shared with the buyer. If the schedule changes during review, the buyer must review and accept the updated terms again.
The recipient may choose an app display name once for the lifetime of that loan. After the transfer saves that change, later editing or another rename is disabled. The original project title and ranked URL stay unchanged. Recent Work can show the original name, current display name and transfer status without exposing KYC or either party's private contact details.
After successful transfer, the former account loses project and future-payment access. Its loan-specific KYC is detached and deleted when no other active agreement needs the same identity pack. The buyer's KYC is kept only under the normal active-loan retention rules. Fah Swe staff complete hosting and access handover; historical financial records stay intact.
Open the separate transfer guide and steps ↗Identity cleanup after cancellation or transfer
For an approved cancellation, the 24-hour cleanup clock starts at administrator approval, not at the time of the client request. For an approved transfer, the old owner's loan-specific KYC is detached when the transfer completes. ID images, face capture and signature images are removed from live storage when they are no longer required by another active loan or rental.
A shared identity pack needed by another active agreement is not erased prematurely. Restricted disaster-recovery backups follow the existing 30-day expiry rule; they are not a separate KYC archive and deleted identity documents must not be restored into active use. Written accounting records, non-image consent records and any applicable legal hold remain subject to the Privacy Policy.
Support coverage, renewal and feature extensions
One support plan covers all projects owned by the client account, including future projects. Eligible loan, rental and digital purchases retain their included support. A newly completed development has at least six months of included coverage from actual delivery, applied once without stacking a second six-month bonus. Existing free support benefits for rental and digital purchases remain available. Check the exact start and expiry in Dashboard → Support Plans; publishing this policy does not reset existing agreements or administrator-adjusted dates.
When both included and paid coverage have ended, purchase a support plan to renew. Technical support, bug/error assistance and support-ticket work are unavailable until renewal. Official contact remains available for account, billing, security and legally required communications.
Final delivery of each new paid feature adds one calendar month to support for the whole client account, once per paid, non-cancelled feature card. The month is added after the current active expiry; if coverage already expired, it starts from delivery. Quotes, requests, test builds and repeated delivery of the same feature do not add months.
Each coverage period receives at most two expiry emails: one seven days before expiry/within that reminder window and one when it expires. Each one-month feature extension has a separate confirmation email. Close the red dashboard warning with × to dismiss that same warning for the current period. A new period or changed expiry status can show a new relevant warning. Full policy: /support-policy.
Overdue installments and admin access
Loan installments, feature orders and ordinary development orders have separate payments. Feature or ordinary-order payments do not credit a loan, extend its deadline, or activate or suspend its admin access. This automatic admin lock applies only to actual overdue loan installments.
App-loan and development-loan installment dates follow Asia/Dhaka time. Only the unpaid part becomes overdue after its due date ends. If it remains unpaid 7 days after the due date, the owner’s admin access locks automatically. The user app, rooms, balances and saved records keep running. This does not cancel the agreement, forgive debt or refund payments. The ordinary maintenance switch cannot remove the lock.
Confirmed partial payments earn payment amount ÷ original installment total × 30 days of access, rounded down only to an integer second. New time follows existing paid time. Other overdue installments and separate holds still apply.
An extension applies only to the installment that received the payment. Other overdue installments or separate security, KYC or manual holds can keep admin access locked. At extension expiry, unpaid arrears lock access again. The remaining debt and original installment/invoice due dates do not change. Reusing a receipt, reloading a page, resyncing an old payment or submitting unverified proof does not extend time.
Each installment receives at most four payment emails: once 3 days before the due date, once on the due date, once on the first overdue day, and once at the 7-day suspension. No repeated weekly email follows for the same arrears. The dashboard shows the actual remaining amount and exact extended deadline in Dhaka time. Dismissing a warning hides it for 24 hours. A future partly paid installment is not labelled overdue before its actual due date.
Open the installment or its invoice in Loans and use the official payment methods. Pending proof prevents a new automatic lock for that installment; unverified proof does not remove an existing lock. If you already paid, do not pay the same amount again; contact Fah Swe with your reference.