Terms & Conditions

Your access to and use of this site is subject to the following terms and conditions and all applicable laws.

After successfully completing the registration process for a Merchant Account, You are stating that You are Eligible to be a Merchant with us and that You have read, understood and agreed to be bound by all of these Terms and Conditions of Service ("T&Cs"), which are not subject to negotiation.

Please note that these T&Cs will be incorporated into any Physical Contract We may execute with you in future and will be enforceable against you to the same extent as the terms of the Physical Contract. Therefore we request you to please read these T&Cs carefully before clicking on the "Terms and Conditions" checkbox. Please go through these terms carefully. It is important that you spend time reading the terms as they constitute a legal agreement ("Agreement") between / (the "Website" or "Site") and a user of a BillKul app.

Internet Surfer

This document is an electronic record in terms of Information Technology Act, and generated by a computer system and does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule of the Information Technology guided by Government of Pakistan, that provide for the due diligence to be exercised by the Website. These Terms of Use ("Terms") including our Privacy Policy define the terms and conditions under which you're allowed to use the Website and how we'll treat your account and BillKul app while you are a member. If you have any questions about our terms, feel free to contact us at support@BillKul.com.

support@BillKul.com

We reserve the right to modify the Terms at any time without giving you any prior notice. Your use of the Website following any such modification constitutes your agreement to follow and be bound by the Terms as modified. Any additional terms and conditions, disclaimers, privacy policies and other policies applicable in general and/ or to specific areas of this Website or to particular Service are also considered as Terms.

You acknowledge that you will be bound by this Agreement for availing any of the Services offered by us.
Your access to use of the Website and the Services will be solely at the discretion of BillKul.

Your access to use of the Website and the Services will be solely at the discretion of BillKul:

  • The Pakistan Contract section 101(1) of the Securities Act, 2015
  • , and

The rules, regulations, guidelines and clarifications framed there under, including the (Pakistan) Information Technology section 101(1) of the Securities Act, 2015, and the (Pakistan) Information Technology

Approval of Terms

By using the Website and its Services, you agree that you have read and understood these Terms and you agree to be bound by these Terms and use the Services in compliance with these Terms. Please read these Terms carefully. If you do not agree to be bound by (or cannot comply with) any of the terms below, please leave the website immediately and terminate your account with us. The information that you obtain or receive from BillKul, its Team, contractors, partners, sponsors, advertisers or otherwise on the Website is for informational and scheduling purposes only.

The information provided on the Website is not professional advice and must not be considered as such. Your use of information provided on the Website is solely at your own risk.

You can accept the Terms by :

  • Using the Website
  • actually using the services

In this case, you understand and agree that BillKul will treat your use of the Services as acceptance of the Terms from that point onwards.

For being a valid User you must satisfy the following conditions:

  • You are of legal age to form a binding contract with BillKul
  • You are not a person barred from receiving the Services under the laws of Pakistan or other countries including the country in which you are resident or from which you use the services.

Information Presentation/ Editorial Control

We make the Website available as a part of our Service to user and Merchants. We may, but have no obligation to, have non user-posted information reviewed by the Website's editorial personnel.

It is important to note, however, that the timeliness and accuracy of any or all of the information is not guaranteed. Neither the authors, the editorial personnel, nor any other party who has been involved in the preparation or publication of this work can assure you that the information contained herein is in every respect accurate or complete, and they are not responsible for any errors or omissions or for the results obtained from the use of such information.

Use of Services and Information on the Website

In order to access certain Services, you may be required to provide information about yourself (such as identification, contact or payment details) as part of the registration process for the Service, or as part of your continued use of the Services. You agree that any registration information you give to us will always be true, accurate, correct, complete and up to date. Any phone number used to register with the Website needs to be registered in your name and you might be asked to provide supporting documents to prove the same.

Information provided by BillKul or otherwise obtained from the Website will not be used for any unauthorized and unlawful purpose.

You agree not to access (or attempt to access) any of the Services by any means other than through the interface that is provided by BillKul, unless you have been specifically allowed to do so in a separate agreement with us.

You agree that you will not engage in any activity that interferes with or disrupts the Services (or the servers and networks which are connected to the Services).

You agree that you will not reproduce, duplicate, copy, transfer, license, rent, sell, trade or resell the information obtained from the Website and or the app for any purpose whatsoever.

You agree that you are solely responsible for (and that BillKul has no responsibility to you or to any third party for) any breach of your obligations under the Terms and for the consequences (including any loss or damage which BillKul may suffer) of any such breach.

You will not impersonate another person, including, without limitation, a user or a Merchant.

You agree to the use of your data in accordance with BillKul Privacy Policy.

All personal and contact information provided by you will be kept confidential by BillKul. This includes your personal information given in relation to your account creation and subsequent administration.

Content you Post or Submit

On creation of an account on the Website, you will have the opportunity to use various interactive aspects through which you can communicate with our Team and share information (collectively "Posted Information"). It is important that you act responsibly when providing such Posted Information. Do not use inappropriate language; make gratuitous personal criticisms or comments. When participating in interactive aspects of the Service, please do include all relevant information in a concise manner to help us provide you with a helpful response.

Please note that

You are solely responsible for any Posted Information that you submit on the Website or transmit to our Team and/or other users of the Website.

You may not post, distribute, or reproduce in any way any copyrighted material, trademarks, or other proprietary information without obtaining the prior written consent of the owner of such proprietary rights. You may not submit any content or material that infringes, misappropriates or violates the intellectual property, publicity, privacy or other rights of any party.

You may not provide any Posted Information that falsely expresses or implies that such content or material is sponsored or endorsed by BillKul.

You may not provide any Posted Information that is unlawful or that promotes or encourages illegal activity.

You understand and agree that BillKul may (but is not obligated to) review and delete any Posted Information that in the sole judgment of BillKul violates these Terms or which might be offensive, illegal, or that might violate the rights of, harm, or threaten the safety of other users of the Website and/or any other person.

You agree that you will only provide Posted Information that you believe to be true and you will not purposely provide false or misleading information and the following is a partial list of the kind of content and communications that are illegal or prohibited on/through the Website. BillKul reserves the right to investigate and take appropriate legal action in its sole discretion against anyone who violates this provision, including without limitation, removing the offending communication from the Services and terminating the membership of such violators or blocking your use of the Services and/or the Website.

You may not post content that:

  • Involves the transmission of unsolicited mass mailing or "spamming".
  • Harasses or advocates harassment of another person.
  • Is false or intentionally misleading.
  • Violates the intellectual property or other rights of any person.
  • Is threatening, obscene, defamatory or libelous.
  • Is pornographic or sexually explicit in nature.

You agree, through Your use of this Service, that you will not use this app to post any material which known to be unlawful, false and/or defamatory, inaccurate, abusive, vulgar, hateful, harassing, libelous, harmful, obscene, profane, sexually oriented, threatening, racially offensive, invasive of a person's privacy, or otherwise objectionable material of any kind or nature. You agree not to post any copyrighted material unless the copyright is owned by you or you have been given permission by the copyright owner to post such material and you give due credit to the copyright owner by including the copyright information in your post.

You agree and acknowledge that you will not submit unlawful, offensive, inaccurate, misleading, abusive, pornographic, harassing, libelous, blasphemous, defamatory, obscene, pedophilic, invasive of another's privacy, hateful, racially or ethically objectionable, disparaging, relating to or encouraging money laundering or gambling, or otherwise inappropriate material.

You also agree that you will

  • Not upload or share any information that impersonates another person, threatens the unity, integrity, defense, security or sovereignty of Pakistan.
  • Obtain any consents, permission or licenses that may be legally required for you to submit any material.
  • Respect the privacy of others.
  • Not distribute or post spam, unreasonably large files, chain letters, pyramid schemes, viruses.
  • Not use any other technologies or initiate other activities that may harm the Service, or the interest or property of the Users.
  • Not use any automated systems or means to access, acquire, copy or monitor any part of the Service.

You will notify quick fee at BillKul Helpdesk upon coming across any objectionable content on the app and BillKul shall use best efforts to remove such objectionable content within thirty-six hours from being duly notified.

Your Use of Information

Except for Posted Information that you submit, all of the information available on or through the Services and/or the Website, including without limitation, text, photographs, graphics and video and audio content, is owned by us and our licensors and is protected by copyright, trademark, patent and trade secret laws, other proprietary rights and international treaties. You acknowledge that the Services and any underlying technology or software used in connection with the Services contain BillKul proprietary information. We give you permission to use the aforementioned content for personal, non-commercial purposes only and do not transfer any intellectual property rights to you by virtue of permitting your use of the Services. You may print, download, and store information from the Website for your own convenience, but you may not copy, distribute, republish (except as permitted in this paragraph), sell, or exploit any of the content, or exploit the Website in whole or in part, for any commercial gain or purpose whatsoever. Except as is expressly and unambiguously provided herein, we do not grant you any express or implied rights, and all rights in the Website and the Services not expressly granted by us to you are retained by BillKul.

We make no guarantees, representations or warranties, whether expressed or implied, with respect to professional qualifications, expertise and quality of work or services or other information concerning the Team.

User Responsibilities

We make no guarantees, representations or warranties, whether expressed or implied, with respect to professional qualifications, expertise and quality of work or services or other information concerning the Team.