Terms & Conditions

Acceptance of Terms of Use

These Terms of Use are entered into between a website user (you) and (Barfi Bank). The following terms and conditions, together with any documents they expressly incorporate by reference to "Terms of Use", contain measures to facilitate your access to and use of www.barfibank.com, including www. ANY CONTENT, FUNCTIONALITY, AND SERVICES OFFERED ON OR THROUGH THE www.barfibank.com WEBSITE” WHETHER A GUEST OR REGISTERED USER.

Please read the Terms of Use carefully before starting to use the Website. By using the Website or by clicking on the option to accept or agree to the Terms of Use, you confirm that you agree to be bound by these Terms of Use and our Privacy Policy, If you do not wish to agree to these Terms of Use or the Privacy Policy, you should not access or use the Website.

You may have certain privacy rights on the Website, as described in our Privacy Policy including the General Data Protection Regulation and the Pakistan Telecommunication Authority Consumer Privacy Act.

This website is offered to and available to users who are 18 years of age or older. By using this website, you represent and warrant that you are of legal age to form a contract with the Company and meet all pre-existing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.

Changes to the Terms of Use

We may revise and update these Terms of Use from time to time at our sole discretion. All changes are effective immediately when we post them.

Your continued use of the Website after the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page periodically to be aware of any changes, as they are binding on you.

Accessing the Website and Account Security

We reserve the right to withdraw or modify this website, and any service or content we provide on the website, at our sole discretion without notice. We shall not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to certain parts of the Website, or the entire Website, to users, including registered users.

Contribution to the User's use of the Website

All users are obliged to follow the rules of participation in the use of the website.

Any User Contributions you post to the Site will be considered non-confidential, non-proprietary, and will not contain personally identifiable information. By providing User Contributions to the Website, you authorize us and our licensors, successors, and third parties to use, reproduce, modify, perform, display, assign the right to distribute, and otherwise disclose.

You represent and warrant that:

• You understand and acknowledge that you are responsible for any User Contributions that you submit or contribute and that you, not the Company, have sole responsibility for such content, including its legality; reliability, accuracy, and relevance.

• We are not responsible or liable to any third party for the content or accuracy of any User Contributions posted by you or any other user of the Website.

You are responsible for both of the following:

• Making all necessary arrangements for you to access the Website.

• Ensuring that all persons accessing the Website through your Internet connection are aware of and comply with these Terms of Use.

To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all information you provide on the Website is accurate, current, and complete. You agree that all information you provide to register with this website, including, but not limited to, through the use of any interactive features on the website, is subject to our privacy policy. operates, and you consent to all actions we take concerning your information following our Privacy Policy.

If you choose or are provided with, a username, password, or other information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or The institution should not disclose. You also acknowledge that your account is personal to you and/or your organization and that you may not use your username, password, or other security information for any other person or entity.

Agree not to provide access to the Website or parts thereof. You agree to notify us immediately of any unauthorized access or use of your username or password or any other breach of security. You also agree to ensure that you exit your account at the end of each session. You should use special care when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

We have the right to disable any username, password, or another identifier, whether chosen by you or provided by us, at any time for any reason in our sole discretion. including if, in our opinion, you have breached any provision of these Terms of Use;

Intellectual Property Rights

The Website and its entire content, features, and functionality (including but not limited to all information, software, text, displays, basic data resulting from interactive services, images, video, and audio, and the result of its design, selection, and management);, are owned by the Company, its licensors or other providers of such content and are protected by Pakistan and international copyright, trademark, patent, trade secret, and other intellectual property, proprietary rights and unfair competition laws.

These Terms of Use permit you to use the Website for your personal and commercial use only. You may not access, acquire, copy, or monitor any portion of the Website or any Content, or in any way reproduce or disrupt the navigational structure or presentation of the Website or any Content. ", "page scraper", "robot", or another automated device, program, algorithm, or procedure, or any similar or equivalent manual process, or to reproduce or prevent the navigational structure or presentation in any way. Derivative works may not be reproduced, distributed, publicly performed, or republished. Obtain or attempt to obtain any materials, documents, or information through any means not intentionally made available through the Website. If we provide desktop, mobile, or other applications for download; are, then you may download a single copy to your computer or mobile device for your personal, non-commercial use only, provided you agree to be bound by our End User License Agreement for such applications.

You should not:

• Modify copies of any content from this site including but not limited to content in the knowledge base.

• Delete or alter any copyright, trademark, or other proprietary rights notices from copies of content from this site.

If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Website in violation of the Terms of Use, your right to use the Website is terminated. will terminate immediately and you must return or destroy any copies of the Content you have made at our discretion. The Website or any content on the Website is not transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Website not expressly permitted by these Terms of Use is a violation of these Terms of Use and may violate copyright, trademark, and other laws.

Prohibited uses

You may use the Website only for lawful purposes and following these Terms of Use. You agree not to use the Website:

• In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to the United States or other countries);.

• To send, knowingly receive upload, download, use, or reuse any content that does not conform to the content standards outlined in these Terms of Use.

• Attempt to impersonate or impersonate the Company, a Company employee, another User, or any other person or entity (including, without limitation, using email addresses associated with any Submission).

• Engaging in any other conduct that restricts or inhibits anyone's use or enjoyment of the Website, or that, as determined by us, may harm the Company or users of the Website; or may expose them to liability.

• Allow any third party to directly access the Website or otherwise sell, rent, license, provide or distribute the underlying data comprising the Interactive Services.

• reverse engineer or attempt to obtain personally identifiable information, or the identity of individuals, from the Interactive Services and/or Website; Notwithstanding the foregoing, you may use the Interactive Service to combine non-readable, de-identified, or hashed data values ​​to collect only data characteristics (such as demographic or interest-based data) about a user. ) can be used.

• Create derivative or modeled works from the Interactive Services and/or Website, or otherwise reverse engineer, modify, or access the Interactive Services and/or Website for any reason, including without (1) building a competitive product or service۔

• Create derivative or modeled works from the Interactive Services and/or Website, or otherwise reverse engineer, modify, or access the Interactive Services and/or Website for any reason, including without (1) building a competitive product or service; or any other product or service that provides similar or equivalent functionality to the Interactive Services and/or Website, (2) create a product using the ideas, features, functions or graphics of the Interactive Services and/or Website; or (3) imitates any ideas, features, functions or graphics of the Interactive Services and/or Website.

WE HAVE THE RIGHT TO:

• Remove or refuse to post any User Contribution for any or no reason in our sole discretion.

• Take any action concerning any User Contribution that we deem necessary or appropriate in our sole discretion, including if we believe that such User Contribution violates the Terms of Use, including the Content Standards; Violates any intellectual property right or another right of any person or entity, endangers the personal safety of the Website or the public or may create liability for the Company.

• disclose your identity or other information about yourself to any third party who claims that material posted by you infringes their rights, including their intellectual property rights or their right to privacy; the right.

• Take appropriate legal action for any illegal or unauthorized use of the Website, including without limitation, referral to law enforcement agencies.

• Terminate or suspend your access to all or part of the Website for any or no reason, including without limitation, any violation of these Terms of Use.

We reserve the right to fully cooperate with any law enforcement authorities or court order requiring us to disclose the identity or other information of any person posting any material on or through the Website or has been directed. You shall indemnify the Company from any claim made by the Company or law enforcement authorities as a result of any action taken during or as a result of an investigation by the Company or as a result of its investigation. forgives and holds it harmless.

We have no liability whatsoever for the performance or nonperformance of the activities described in this section.

STANDARDS INCLUDED

These Content Standards apply to any User Contributions and Use of the Interactive Services. User Contributions must fully comply with all applicable federal, state, local, and international laws and regulations. Without limiting the foregoing, User Contributions shall not:

• Include any content that is defamatory, obscene, indecent, profane, objectionable, harassing, violent, hateful, inflammatory, or otherwise objectionable.

• Promote sexually explicit or obscene content, violence, or discrimination based on race, gender, religion, nationality, disability, sexual orientation, or age.

• Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person.

• Violate the legal rights (including rights of publicity and privacy) of others or include any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise violates these Terms of Use and May conflict with our Privacy Policy.

• Be likely to deceive any person.

• Promote, or advocate, any illegal activity, promote or assist any illegal practice.

• cause annoyance, inconvenience, or unnecessary distress or be likely to annoy, embarrass, endanger, or disturb another person;

• Impersonate any person, or misrepresent your identity or affiliation with any person or organization.

• Include commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising.

• Give the impression that they originate from or are endorsed by us or any other person or entity if they are not.

COPYRIGHT INFRINGEMENT

If you believe that any User Contribution infringes your copyright, please send us a Notice of Copyright Infringement. It is the Company's policy to terminate user accounts of repeat infringers. finish

RELIANCE ON THE POSTED INFORMATION

The information presented on or through the website is made available for general information purposes only. We do not guarantee the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. WE DISCLAIM ALL RESPONSIBILITY AND LIABILITY ARISING OUT OF ANY RELIANCE PLACED ON SUCH CONTENT BY YOU OR ANY OTHER VISITOR TO THE WEBSITE OR ANY PERSON WHO KNOWS ANY OF ITS CONTENT. do

This website may contain content provided by third parties, including content provided by other users, companies, bloggers, third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other materials other than materials provided by Company, are solely the opinions and responsibility of the person or entity providing the materials. This content does not necessarily reflect the opinion of the company. We are not responsible for the content or accuracy of any content provided by any third party, you, or any third party.

CHANGES TO THE WEBSITE

We may update the content on this website from time to time, but the content is not necessarily complete or up-to-date. Any material on the Website may be out of date at any time, and we undertake no obligation to update such material.

Information about you and your visits to the Website

The information we collect on this website is subject to our Privacy Policy. By using the Website, you consent to all actions taken by us regarding your information in compliance with the Privacy Policy.

LINKING TO WEBSITE

You may link to our home page, provided that you do so in a manner that is fair and legal and does not harm or take advantage of our reputation, but you must not establish a link in such a way that any of our Any kind of association, approval or endorsement should be suggested

This website may provide certain features that enable you to:

• Send emails or other communications with certain content on this website, or send links to certain content.

• Limited portions of the content on this website may be displayed or appear to be displayed on your own or certain third-party websites.

You may use these features only as they are provided by us and only in connection with the content with which they are displayed. Subject to the above, you must not:

• Establish a link to any website that you do not own.

• Cause the Website or portions thereof to be displayed, or appear to be displayed on any other site by framing deep linking, or inline linking.

• Link to any part of the website other than the home page.

• Otherwise take any action concerning the Content on this Website that is inconsistent with any other provision of these Terms of Use.

You agree to cooperate with us in promptly eliminating any unauthorized framing or linking. We reserve the right to withdraw linking permission without notice.

We may disable all or any social media features and any links at any time without notice in our sole discretion.

Geographic Restrictions

The owner of the website is located in Birmingham, United Kingdom. We provide this website for use by individuals worldwide. We do not claim that the Website or any of its content is accessible or appropriate outside the UK. Access to the Website may not be legal for certain persons or in certain countries. If you access the Website from outside the UK, you do so on your initiative and are responsible for compliance with local laws.

LIMITATION ON LIABILITY

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT SHALL THE COMPANY AND ITS SUBSIDIARIES AND AFFILIATES, AND THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS, BE LIABLE TO ANY PARTY FOR ANY CLAIM (ACTION (regardless of form, whether in contract, in tort, or otherwise) shall not exceed one hundred dollars.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CAN NOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

COMPENSATION

You agree to defend, indemnify and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from any claims, liabilities, damages, judgments, awards, damages, costs, expenses or fees (including reasonable attorneys' fees) arising out of or relating to your breach of these Terms of Use or your use of the Website; including, but not limited to, misuse of the Interactive Services and its underlying data, user contributions, any use of website content, (such as knowledge bases) services and products other than as expressly authorized in the Terms of Use; is, or your use of, any information obtained from the Website.

Rule of Law and Jurisdiction

ALL MATTERS RELATING TO THE WEBSITE AND THESE TERMS OF USE, AND ANY DISPUTES OR CLAIMS ARISING OUT OF OR RELATING THEREOF (IN EACH CASE, INCLUDING NON-CONTRACTUAL DISPUTES OR CLAIMS) ANY CHOICE OR CONFLICTS OF LAW PROVISION OR RULE (whether of the State of Birmingham or any other jurisdiction) shall be governed by and construed following the internal laws of the State of Birmingham without giving effect thereto.

Any legal suit, action, or proceeding arising out of these Terms of Use or the Website shall be instituted exclusively in the federal courts of the UK or the courts of the State of Birmingham, even though we may grant these Terms of Use in your country or any other relevant country. reserves the right to bring any suit, action, or proceeding against you for violation of You waive any objections to the exercise of jurisdiction over you by such courts and venue in such courts.

Limitation on time for filing claims

Any cause of action or claim that may arise out of or relate to these Terms of Use or the Website must be commenced within one (1) year after the cause of action accrues; Otherwise, such cause of action or claim is permanently barred.