Terms of Use

Alfa Digital Financial Export Services by Bank Alfalah

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE ACCESSING OR USING THIS WEBSITE. By accessing or using the Alfa Digital Financial Export Services Website (“Website”), you agree to be bound by the following Terms of Use. If you do not agree with these Terms, you must not access or use this Website.

Bank Alfalah Limited (“Bank Alfalah” or “the Bank”) reserves the right to modify, update, or revise the content, features, or these Terms of Use at any time without prior notice. Any changes will become effective immediately upon being posted on this Website. Your continued use of the Website constitutes your acceptance of such changes.

By clicking 'Accept' or by registering for using the product or product feature or services, the User acknowledges that the 'Terms of Use' have been read, understood, agreed, and therefore binding.

1. Use of the Website

This Website is designed to provide information and facilitate digital financial services related to export businesses and related banking solutions offered by Bank Alfalah. You agree not to:

• Copy, reproduce, distribute, transmit, display, publish, or commercially exploit any content from this Website without prior written consent from Bank Alfalah.
• Use the Website for any unlawful, fraudulent, or unauthorized purpose.
• Interfere with or disrupt the operation, security, or accessibility of the Website.

2. Intellectual Property Rights

Unless otherwise stated, all materials on this Website including but not limited to text, graphics, logos, icons, images, videos, designs, layouts, and downloadable content are owned, controlled, or licensed by Bank Alfalah or its affiliates. All Content is protected under applicable intellectual property laws, and unauthorized use may result in legal action.

3. Disclaimer

This Website and all content, services, and information are provided on an “as is” and “as available” basis. Bank Alfalah makes no warranties or representations, express or implied, including but not limited to:

• Accuracy, completeness, or reliability of the information
• Availability, security, or uninterrupted access
• Fitness for a particular purpose or non-infringement

The Bank does not guarantee that:

• The Website will meet your specific requirements
• Access will be uninterrupted, timely, secure, or error-free
• Any outcomes derived from use of the Website will meet your expectations

All digital services offered by the Bank through this website are subject to applicable laws of Pakistan and all regulations, circulars and guidelines issued by the State Bank of Pakistan (“SBP”) from time to time. The Bank may delay, restrict, block, or refuse transactions where required to comply with applicable laws, sanctions and regulations. Any reliance on the information provided is strictly at your own risk.

4. Limitation of Liability

To the maximum extent permitted by law, Bank Alfalah shall not be liable for any direct, indirect, incidental, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or data
• Business interruption
• System errors, delays, or failures

arising out of or in connection with:

• Your use or inability to use this Website
• Any errors, omissions, or inaccuracies in content
• Any unauthorized access or security breach
• Any third-party content or linked websites

even if Bank Alfalah has been advised of the possibility of such damages.

5. Indemnity

You agree to indemnify, defend, and hold harmless Bank Alfalah, its directors, officers, employees, and affiliates from and against any claims, liabilities, damages, losses, or expenses (including legal fees) arising from:

• Your use or misuse of the Website
• Violation of these Terms of Use
• Any breach of applicable laws or regulations

6. User Submissions

Any information, feedback, or materials submitted through this Website shall be considered non-confidential and may become the property of Bank Alfalah, subject to applicable laws and the Bank’s privacy practices. The Bank reserves the right to use such information for business and service improvement purposes.

7. Security and Passwords

Where access to certain services requires login credentials:

• You are responsible for maintaining the confidentiality of your username and password
• You are responsible for all activities conducted under your credentials

You must notify Bank Alfalah immediately in case of any unauthorized access or suspected security breach.

8. Third-Party Links and Services

This Website may include links to third-party websites, platforms, or services for user convenience. Bank Alfalah:

• Does not control or endorse such third-party platforms
• Is not responsible for their content, accuracy, or practices
• Disclaims liability for any loss or damage arising from your interaction with such third parties

Any transactions or engagements with third parties are solely between you and the respective third party.

9. Termination of Access

Bank Alfalah reserves the right, at its sole discretion, to suspend or terminate your access to the Website or any part thereof at any time without prior notice, particularly in cases of misuse or breach of these Terms.

10. Monitoring

The Bank may monitor usage of this Website to ensure compliance with these Terms, enhance security, and improve service delivery.

11. Force Majeure

Bank Alfalah shall not be liable for any failure or delay in the performance of its obligations under these Terms of Use if such failure or delay is caused by events beyond its reasonable control, including but not limited to acts of God, natural disasters, war, civil unrest, strikes, pandemics, failure of telecommunications or internet services, power outages, or actions of governmental or regulatory authorities. The Bank’s obligations shall be suspended for the duration of the Force Majeure event, and the Bank shall resume performance as soon as reasonably practicable.

12. Governing Law

Any dispute or claim arising out of or in connection with these Terms of Use, shall be referred to and finally resolved by arbitration in accordance with the provision of the Arbitration Act, 1940. These Terms of Use shall be governed by and construed in accordance with the laws of the Islamic Republic of Pakistan. Any disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Pakistan.

13. Cookie Policy

We use cookies, including third-party cookies, to ensure the site works properly, improve your experience, analyze usage, and deliver personalized ads.
By clicking “Accept all,” you consent to all cookies.
By clicking “Reject all,” only essential cookies will be used.

14. Up time Policy

We aim to keep our services available at all times, but occasional downtime may occur due to maintenance or technical issues.
We do not guarantee uninterrupted access and will restore services as quickly as possible.