This website (https://www.pakqatar.com.pk/or https://www.pqftl.com.pk), application, portals, or any other digital linkages (herein after referred to as “digital mediums / linkages”) is owned and operated by Pak-Qatar Family Takaful Limited incorporated in Pakistan (or herein referred to as “PQFTL”).

PQFTL is part Pak-Qatar Group, Pakistan Premier and Pioneer Islamic Financial Services Group in Pakistan. Any use of its digital mediums / linkages or any third party digital mediums / linkages, managed by PQFTL is governed by the following Terms and Conditions. By using or accessing these digital mediums / linkages, visitors to these digital mediums / linkages consent to and agree to be bound by the terms & conditions as disclosed in this disclaimer.

Terms and conditions (hereinafter referred to as “Terms”) apply to all digital mediums / linkages which belongs to Pak-Qatar Family Takaful Limited (”PQFTL”), incorporated under the laws of Pakistan whose principal place of business is located at Pak-Qatar Family Takaful Limited, 101-105, Business Arcade, Plot # 27A, Block-6, P.E.C.H.S., Shahrah-e-Faisal, Karachi-75400, Pakistan.

By accessing and using these digital mediums / linkages and / or using the information provided on or via these digital mediums / linkages you the user agree to be bound by all these Terms. In the event of any conflict between the terms and conditions of specific products and services and these terms, the conditions specific to such products and services shall prevail.

Use of Digital Mediums / Linkages – Disclaimer

The information provided on or via these digital mediums / linkages is for general informational purposes only and should not be considered as a substitute for professional advice. Any decisions made based on the information provided through these digital mediums / linkages are solely at the user’s own risk.

While PQFTL strives to provide accurate, complete, and up-to-date information, PQFTL makes no representations or warranties of any kind, express or implied, about the accuracy, timeliness, completeness, merchantability, or fitness for any particular purpose of the information provided on or via these digital mediums / linkages. PQFTL does not assume any responsibility for any errors or omissions that may occur.

Any opinions, advice, or statements expressed on these digital mediums / linkages, whether by PQFTL or any affiliated parties, including suppliers, agents, members, officers, directors, or employees, do not create any warranties. You are solely responsible for your use of these digital mediums / linkages and your reliance on any information provided.

PQFTL operates and maintains these digital mediums / linkages from Pakistan and does not guarantee that the information provided on or via these digital mediums / linkages is appropriate or available for use in other countries. If you access and use these digital mediums / linkages from outside Pakistan, you are responsible for compliance with your local laws.

PQFTL does not warrant that these digital mediums / linkages will be free from errors or uninterrupted, and PQFTL shall not be liable for any service interruptions or any consequences arising from such interruptions.

Any use of these digital mediums / linkages that may interfere with the experience of other users, jeopardize the functioning of these digital mediums / linkages, or affect the information provided on or via these digital mediums / linkages or its underlying software is strictly prohibited.

Third Party information, Products and Services

These digital mediums / linkages may contain links to third-party digital mediums / linkages of affiliates of PQFTL in other countries. Please note that PQFTL cannot and will not take responsibility for the information found on these linked third-party digital mediums / linkages. The inclusion of such links does not imply endorsement by PQFTL of any products or services provided on or via their digital mediums / linkages. Your use of these digital mediums / linkages is entirely at your own risk, and PQFTL disclaims any responsibility or liability for the content, use, or availability of these third-party digital mediums / linkages.

The content on these third-party digital mediums / linkages may change without notice to PQFTL, and PQFTL does not guarantee the accuracy, truthfulness, reasonability, reliability, or completeness of any content on these digital mediums / linkages. It is your responsibility to independently verify the information provided on these third-party digital mediums / linkages.

Please be aware that when you leave our digital mediums / linkages and access these third-party digital mediums / linkages, different terms of use and privacy policies may apply. It is recommended that you review the terms and policies of any third-party digital mediums / linkages you visit.

By using this digital mediums / linkages, you acknowledge and agree that PQFTL is not responsible for the content or availability of third-party digital mediums / linkages, and you release PQFTL from any and all claims, damages, or liabilities arising from your use of or reliance on any information, products, or services provided by these third-party digital mediums / linkages.

Intellectual Property

All materials and content on these digital mediums / linkages are protected by Copyright Law. PQFTL, or the respective owner, retains all rights, including copyrights, trademarks, patents, and other intellectual property rights, in relation to all information provided on or via these digital mediums / linkages, including all texts, graphics, and logos.

Without the prior written consent of PQFTL you may not copy, download, publish, distribute, modify or reproduce any of the information contained on these digital mediums / linkages in any form. However, you may print and/or download information from these digital mediums / linkages for your personal use only. The creation of links to PQFTL digital mediums / linkages or the copying of such digital mediums / linkages is not permitted without the prior written consent of PQFTL.

By using these digital mediums / linkages, you agree to respect and abide by all intellectual property rights owned by PQFTL or the relevant owner. Any unauthorized use of the materials and content on these digital mediums / linkages may violate copyright laws and other intellectual property laws.

If you believe that any content on these digital mediums / linkages infringes upon your intellectual property rights, please contact PQFTL promptly with detailed information, and PQFTL will take appropriate action in accordance with applicable laws and regulations.

Please note that the information provided on or via these digital mediums / linkages may contain proprietary notices or copyright information that must be respected and retained in any copies or reproductions.

Communication Online

Please be aware that communication via public digital mediums / linkages or any other electronic means may not be entirely secure. While PQFTL takes reasonable measures to protect the confidentiality of communications received through public digital mediums / linkages, we cannot guarantee the security of such communications. Therefore, we recommend that you exercise caution and avoid sending any confidential or sensitive information to PQFTL via public digital mediums / linkages. If you choose to send any messages to PQFTL via public digital mediums / linkages, you acknowledge and accept the risk that they may be intercepted, misused, or modified by a third party.

For secure and confidential communication, we encourage you to utilize alternative methods such as encrypted email or secure messaging platforms, as may be made available by PQFTL secure digital mediums / linkages

Please note that any information or materials you send to PQFTL through any digital mediums / linkages or other electronic means will be treated as non-confidential and non-proprietary unless explicitly stated otherwise.

By sending such information or materials, you grant PQFTL a perpetual, irrevocable, royalty-free, worldwide license to use, reproduce, modify, adapt, publish, translate, distribute, and display such information or materials for any purpose.

If you have any concerns about the security of your communication with PQFTL, please contact us through alternative means such as our official UAN, WhatsApp, email or in-person meetings.

Exclusion of Liability

PQFTL, its agents, and subcontractors shall not be liable for any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including lost profits (even if PQFTL has been advised of the possibility thereof), arising in any way from, but not limited to:

• Any defects, viruses, or malfunctions caused to any equipment or other software in connection with the access or use of these digital mediums / linkages.
• The information provided on or via these digital mediums / linkages.
• The interception, modification, or misuse of information transmitted to PQFTL or transmitted to you.
• The functioning or non-availability of these digital mediums / linkages.
• The misuse of these digital mediums / linkages.
• The loss of data.
• Downloading or use of any software made available by these digital mediums / linkages.
• Claims of third parties in connection with the use of these digital mediums / linkages.

This exclusion of liability also extends to the directors and employees of PQFTL. The aforementioned exclusion of liability applies regardless of whether a claim arises in contract, tort, negligence, strict liability, or otherwise.

Please note that some jurisdictions do not allow the exclusion or limitation of liability for certain types of damages. Therefore, the above limitations may not apply to you to the extent prohibited by applicable law.

By using these digital mediums / linkages, you agree that the limitations and exclusions of liability set forth in this disclaimer are reasonable. If you do not agree to these limitations and exclusions, your sole remedy is to discontinue the use of these digital mediums / linkages.

Applicable Law
These digital mediums / linkages Website and its terms shall be governed by and construed in accordance with the laws of Pakistan. Any disputes arising out of or in connection with these terms shall be submitted to the exclusive jurisdiction of the courts of Pakistan.

By accessing and using these digital mediums / linkages, you agree that any legal action or proceeding arising out of or related to these terms shall be filed exclusively in the courts of Pakistan. You hereby consent to the personal jurisdiction and venue of such courts for the purpose of resolving any such disputes.

If any provision of these terms is found to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be severed from the remainder of these terms, which shall continue to be valid and enforceable to the fullest extent permitted by law.

Please note that this provision regarding applicable law and jurisdiction may not apply if prohibited by the laws of your jurisdiction. In such cases, the laws of your jurisdiction shall govern the use of these digital mediums / linkages to the extent required by applicable law.

Amendments

PQFTL reserves the right to modify, update, or change the information provided on or via these digital mediums / linkages, including these terms, at any time and without prior notice. It is recommended that you regularly review the information provided on or via these digital mediums / linkages, including the clauses, disclosures and conditions etc., as mentioned in these terms, to stay informed of any changes.

PQFTL shall not be liable for any consequences arising from the modification, update, or change of the information on these digital mediums / linkages or these terms. It is your responsibility to regularly check for updates and changes.

Copyright

All content on these digital mediums / linkages is protected by copyright and is the property of Pak-Qatar Family Takaful Limited. Any unauthorized use, reproduction, or distribution of the content is strictly prohibited.

Other

Neither PQFTL nor any of its affiliates, officers, directors, employees, or agents make or have made any recommendation regarding any securities issued by the companies identified on any digital mediums / linkages. Any information provided on these digital mediums / linkages should not be construed as investment advice. It is recommended that you consult with a qualified financial advisor for specific investment recommendations.

Data and information provided on these digital mediums / linkages may be delayed. PQFTL provides this information without responsibility for its accuracy, and it is accepted by the site visitor on the condition that errors in transmission or omissions shall not be the basis for any claim, demand, or cause of action against PQFTL. While PQFTL believes its data and information services to be reliable, accuracy is not warranted or guaranteed.

These digital mediums / linkages may include facts, views, opinions, and recommendations of individuals and organizations deemed of interest. PQFTL does not guarantee the accuracy, completeness, or timeliness of, nor endorse, these views, opinions, or recommendations. Furthermore, PQFTL does not provide investment advice or advocate for the purchase or sale of any security or investment. It is important to conduct independent research and seek professional advice before making any investment decisions.

By using these digital mediums / linkages, you the user agree to the all the above terms and conditions stated in these terms.