These terms and conditions govern the use of the merchant app for payment and lending (the “RoPay Merchant App”) provided by UBL (the “Company”) to its registered users (the “Users”). By using this app, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. If you do not agree to these terms and conditions, please do not use the app.
To use the Merchant App, you must be at least 18 years old and have the legal authority to enter into this agreement. By using the Merchant App, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. The app allows users to process payments, track transactions and apply for services provided by the App. The user must provide accurate and complete information when using the app, including personal information, business information and payment details.
To use the Merchant App, you must register and create a user profile. You agree to provide accurate and complete information during registration and to keep your profile up-to-date. You are solely responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.
The Merchant App allows you to make payments to distributors or to receive payments from distributors.. You acknowledge and agree that Ropay and UBL is not responsible for any transactions between Users, and you use the Merchant App at your own risk. You further acknowledge and agree that Ropay and UBL is not responsible for any fraud, misrepresentation or breach of Terms and Conditions by any User.
The Merchant App also allows you to request services from Ropay and UBL and buy. You acknowledge and agree that the Company is not a party to any loan agreement between users, and you use the Merchant App at your own risk. You further acknowledge and agree that the Company is not responsible for any default or breach of agreement by any User.
The Company reserves the right to charge fees for the use of the Merchant App, including but not limited to transaction fees, loan origination fees or late payment fees. The User will be notified of any new fees before they are charged, and the User agrees to pay all fees charged by the Company.
The Merchant App and all content and intellectual property rights related to it, including but not limited to trademarks, logos, software, and images, are owned by Ropay and UBL. The User agrees not to use or reproduce any content or intellectual property without the prior written consent of the Ropay and UBL.
Ropay and UBL reserves the right to terminate the User’s account, at its sole discretion, without notice or liability, if the User breaches these terms and conditions or engages in any activity that may harm Ropay and UBL other Users or its partners. Upon termination, the user's account will be deactivated, and they will no longer have access to the services
The Merchant App is provided "as is" and without warranties of any kind, either express or implied. Ropay and UBL disclaims all warranties, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
The User agrees that Ropay and UBL shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses resulting from the use of or inability to use the Merchant App.
These terms and conditions shall be governed by and construed in accordance with the laws of Pakistan. The User irrevocably submits to the exclusive jurisdiction of the courts in Karachi, Pakistan for the resolution of any disputes arising out of or relating to these terms and conditions.
Ropay and UBL reserves the right to modify these terms and conditions at any time, without notice. The User’s continued use of the Merchant App constitutes acceptance of any modifications to these terms and conditions.
These terms and conditions constitute the entire agreement between the User and Ropay and UBL with respect to the use of the Merchant App.
In formation If you have any questions or concerns about these terms and conditions or the Merchant App, please contact Ropay and UBL.
The app prohibits any illegal, unethical, or fraudulent activities, including harassment of other users, misrepresentation of information or access, hacking, reverse engineering, and any other activities that potentially harm the system.
Data Usage: The User/Customer acknowledges that Ropay and UBL will collect, store, and analyze User’s transaction data obtained from the parent company with whom Users’ conduct these transactions. The data is encrypted and protected, ensuring its security and confidentiality.
Data Storage: The customer acknowledges that Ropay and UBL will store their transaction data for the entire duration of their customer lifecycle.
Disclaimer: The customer understands that the loan eligibility evaluation is based on an automated analysis of their transaction data. The decision may not solely rely on the transaction data and may consider other factors as deemed necessary by Ropay and UBL.
Limitation of Liability: The customer agrees that Ropay and UBL shall not be liable for any damages, losses, or liabilities arising from the use of their transaction data eligibility evaluation, except in cases of willful misconduct or gross negligence.
By proceeding with our services, you acknowledge that you have read, understood, and agreed to these terms and conditions, including the use of your transaction data to determine your eligibility for a loan.
Once accepted the User has the right to use or not use the loan upon User’s discretion.