Safety Checker | Onucrom

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Deep Investment Sanity Check

An interactive due diligence assessment designed specifically for Bangladeshi private deals, SMEs, and equity offers.

🔍 Quick Database Match

Check if this investment is already flagged or listed in the Onucrom database.

Milestone 1 of 4: Entity & Channel

Phase 1: Entity & Channel Verification

1. What is the name of the investment/organization?

2. Where did you first discover this investment opportunity?

Facebook / Social Media Ad WhatsApp / Telegram Group Forward Friend or Family Recommendation Official Website / Registered Broker

3. What is the legal formation of the enterprise?

4. Is there a verified physical office or operational site you can visit?

Yes, visited and verified operations Address provided, but haven't visited Online only / No physical address

5. Is the company registered with RJSC, Bangladesh Bank, or BSEC?

Yes, registration document verified Claimed, but no document shown No registration

Phase 2: Financial Terms & Return Logic

6. What is the stated annual return percentage (%)?

7. How are the returns described?

Guaranteed / Fixed Monthly Return Projected / Profit-Loss Sharing (Variable)

8. What is the investment instrument type?

9. When do payouts begin relative to capital investment?

Immediately (Month 1) After a clear business gestation period (e.g., 3–6 months) At project completion / maturity

10. Why is the business seeking retail capital instead of a bank loan (9–14% rate)?

Phase 3: Legal Protections & Pressure Tactics

11. What documentation will you sign BEFORE sending funds?

Registered / Stamped Legal Agreement (300 BDT Stamp) Plain paper agreement / Cheque only Verbal promise / Social media chat receipt

12. Is there sales pressure or "limited quota" urgency applied?

Heavy pressure ("Offer expires in 24 hours / Slots filling fast") Normal timeline / Encouraged due diligence

13. Does the offering team provide historical audited financial statements?

Yes, independently audited accounts shown Internal / Management accounts only No financial statements provided

14. Is capital pooled into a personal bank account or a business corporate account?

Company Official Account Personal Bank / Mobile Financial Services (bKash/Nagad)

15. Are you offered commissions to recruit other investors?

Yes, multi-tier / referral commission No referral rewards

16. What is the exit / capital lock-in period?

Phase 4: Operational Due Diligence

17. Have you met the founders/key managers in person?

Yes, in-person meeting conducted Video call only Never met / Anonymous founders

18. Are the underlying assets (e.g., cows, land, inventory) insured?

Insured by licensed insurance firm "Self-insured" or unverified reserve fund Uninsured / Not applicable

19. Does the business rely on a single client, supplier, or key person?

Yes, single dependency Diversified operations

20. Is there an independent party or trustee monitoring funds?

Yes, independent trustee / escrow No independent oversight

21. Submit Role (Help build transparency)

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