Terms and Conditions

1. Our Services

2. Intellectual Property Rights

3. User Representations

4. User Registration

5. Products

6. Purchases and Payment 7.

8. Prohibited Activities

9. User Generated

10. Contribution License

11. Guidelines for Reviews 12.

13. Social Media

14. Services Management 15.

16. Term and Termination

17. Modifications and

18. Governing Law

19. Dispute Resolution

20. Corrections

21. Disclaimer

22. Limitations of Liability

23. Indemnification

24. User

25. Electronic Communications, Transactions, and Signatures

26. SMS

27. Miscellaneous

28. Contact Us

1. OUR SERVICES

The information provided when using the Services is not intended for

distribution to or use by any person or entity in any jurisdiction or

country where such distribution or use would be contrary to law or

regulation or which would subject us to any registration requirement

within such jurisdiction or country. Accordingly, those persons who

choose to access the Services from other locations do so on their own

initiative and are solely responsible for compliance with local laws, if

and to the extent local laws are applicable.

2. INTELLECTUAL PROPERTY RIGHTS

Our intellectual property

We are the owner or the licensee of all intellectual property rights in

our Services, including all source code, databases, functionality,

software, website designs, audio, video, text, photographs, and graphics

in the Services (collectively, the "Content"), as well as the

trademarks, service marks, and logos contained therein (the "Marks").

Our Content and Marks are protected by copyright and trademark laws (and

various other intellectual property rights and unfair competition laws)

and treaties in Pakistan and around the world.

The Content and Marks are provided in or through the Services "AS IS"

for your personal, non-commercial use only.

Your use of our Services

Subject to your compliance with these Legal Terms, including the

"PROHIBITED ACTIVITIES" section below, we grant you a non-exclusive,

non-transferable, revocable license to: access the Services; and

download or print a copy of any portion of the Content to which you have

properly gained access, solely for your personal, non-commercial use.

Except as set out in this section or elsewhere in our Legal Terms, no

part of the Services and no Content or Marks may be copied, reproduced,

aggregated, republished, uploaded, posted, publicly displayed, encoded,

translated, transmitted, distributed, sold, licensed, or otherwise

exploited for any commercial purpose whatsoever, without our express

prior written permission.

If you wish to make any use of the Services, Content, or Marks other

than as set out in this section or elsewhere in our Legal Terms, please

address your request to: contact@myhisaab.pk. If we ever grant you the

permission to post, reproduce, or publicly display any part of our

Services or Content, you must identify us as the owners or licensors of

the Services, Content, or Marks and ensure that any copyright or

proprietary notice appears or is visible on posting, reproducing, or

displaying our Content.

We reserve all rights not expressly granted to you in and to the

Services, Content, and Marks.

Any breach of these Intellectual Property Rights will constitute a

material breach of our Legal Terms and your right to use our Services

will terminate immediately.

Your submissions and contributions

Please review this section and the "PROHIBITED ACTIVITIES" section

carefully prior to using our Services to understand the (a) rights you

give us and (b) obligations you have when you post or upload any content

through the Services.

Submissions: By directly sending us any question, comment, suggestion,

idea, feedback, or other information about the Services

("Submissions"), you agree to assign to us all intellectual property

rights in such Submission. You agree that we shall own this Submission

and be entitled to its unrestricted use and dissemination for any lawful

purpose, commercial or otherwise, without acknowledgment or compensation

to you.

Contributions: The Services may invite you to chat, contribute to, or

participate in blogs, message boards, online forums, and other

functionality during which you may create, submit, post, display,

transmit, publish, distribute, or broadcast content and materials to us

or through the Services, including but not limited to text, writings,

video, audio, photographs, music, graphics, comments, reviews, rating

suggestions, personal information, or other material

("Contributions"). Any Submission that is publicly posted shall also

be treated as a Contribution.

You understand that Contributions may be viewable by other users of the

Services.

When you post Contributions, you grant us a license (including use of

your name, trademarks, and logos): By posting any Contributions, you

grant us an unrestricted, unlimited, irrevocable, perpetual,

non-exclusive, transferable, royalty-free, fully-paid, worldwide right,

and license to use, copy, reproduce, distribute, sell, resell, publish,

broadcast, retitle, store, publicly perform, publicly display, reformat,

translate, excerpt (in whole or in part), and exploit your Contributions

(including, without limitation, your image, name, and voice) for any

purpose, commercial, advertising, or otherwise, to prepare derivative

works of, or incorporate into other works, your Contributions, and to

sublicense the licenses granted in this section. Our use and

distribution may occur in any media formats and through any media

channels.

This license includes our use of your name, company name, and franchise

name, as applicable, and any of the trademarks, service marks, trade

names, logos, and personal and commercial images you provide.

You are responsible for what you post or upload: By sending us

Submissions and/or posting Contributions through any part of the

Services or making Contributions accessible through the Services by

linking your account through the Services to any of your social

networking accounts, you confirm that you have read and agree with our

"PROHIBITED ACTIVITIES" and will not post, send, publish, upload, or

transmit through the Services any Submission nor post any Contribution

that is illegal, harassing, hateful, harmful, defamatory, obscene,

bullying, abusive, discriminatory, threatening to any person or group,

sexually explicit, false, inaccurate, deceitful, or misleading. You

waive, to the extent permissible by law, any moral rights in such

Submissions and/or Contributions; warrant that they are original to you

or that you have the necessary rights and licenses to submit them; and

warrant that they do not constitute confidential information. You are

solely responsible for your Submissions and/or Contributions and agree

to reimburse us for any losses arising from your breach of this section,

a third party's intellectual property rights, or applicable law.

We may remove or edit your Content: Although we have no obligation to

monitor any Contributions, we shall have the right to remove or edit any

Contributions at any time without notice if in our reasonable opinion we

consider such Contributions harmful or in breach of these Legal Terms.

If we remove or edit any such Contributions, we may also suspend or

disable your account and report you to the authorities.

3. USER REPRESENTATIONS

By using the Services, you represent and warrant that: (1) all

registration information you submit will be true, accurate, current, and

complete; (2) you will maintain the accuracy of such information and

promptly update such registration information as necessary; (3) you have

the legal capacity and you agree to comply with these Legal Terms; (4)

you are not a minor in the jurisdiction in which you reside; (5) you

will not access the Services through automated or non-human means,

whether through a bot, script or otherwise; (6) you will not use the

Services for any illegal or unauthorized purpose; and (7) your use of

the Services will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current,

or incomplete, we have the right to suspend or terminate your account

and refuse any and all current or future use of the Services (or any

portion thereof).

4. USER REGISTRATION

You may be required to register to use the Services. You agree to keep

your password confidential and will be responsible for all use of your

account and password. We reserve the right to remove, reclaim, or change

a username you select if we determine, in our sole discretion, that such

username is inappropriate, obscene, or otherwise objectionable.

5. PRODUCTS

We make every effort to display as accurately as possible the features

and specifications of the Services available through the Site and App.

However, we do not guarantee that the features, specifications, and

details of the Services will be accurate, complete, reliable, current,

or free of other errors. We reserve the right to discontinue any product

or subscription tier at any time for any reason. Prices for all

subscription plans are subject to change; see Section 6 (Purchases and

Payment) below for our current subscription plans and pricing.

6. PURCHASES AND PAYMENT

Subscription Plans

We currently offer the following subscription plans:

Monthly — PKR 499/month

Personal Ledger: Yes | Shared Account: No

Total Members: 1 (Primary only)

Members Primary Can Invite: 0

Invited Member 3-Day Trial: N/A

After Trial Ends (Invited Members): N/A

Best For: Individuals

Quarterly — PKR 1,599/quarter

Personal Ledger: Yes | Shared Account: Yes

Total Members: 2 (Primary + 1)

Members Primary Can Invite: 1

Invited Member 3-Day Trial: Personal Ledger + Shared Account

After Trial Ends (Invited Members): Shared Account only

Best For: Couples

Yearly — PKR 4,999/year

Personal Ledger: Yes | Shared Account: Yes

Total Members: 5 (Primary + 4)

Members Primary Can Invite: 4

Invited Member 3-Day Trial: Personal Ledger + Shared Account

After Trial Ends (Invited Members): Shared Account only

Members invited to a Shared Account on the Quarterly or Yearly plan

receive a free 3-day trial of both the Personal Ledger and Shared

Account features. After this trial period ends, invited members retain

access to the Shared Account only, while the Primary User continues to

have full access to their own Personal Ledger and the Shared Account for

as long as their subscription remains active.

We accept the following forms of payment: [to be confirmed by Digital

Miles].

You agree to provide current, complete, and accurate purchase and

account information for all purchases made via the Services. You further

agree to promptly update account and payment information, including

email address, payment method, and payment card expiration date, so that

we can complete your transactions and contact you as needed. Sales tax

will be added to the price of purchases as deemed required by us. We may

change prices at any time. All payments shall be in Pakistani Rupees

(PKR).

You agree to pay all charges at the prices then in effect for your

purchases and any applicable fees, and you authorize us to charge your

chosen payment provider for any such amounts upon placing your order. We

reserve the right to correct any errors or mistakes in pricing, even if

we have already requested or received payment.

We reserve the right to refuse any order placed through the Services. We

may, in our sole discretion, limit or cancel quantities purchased per

person, per household, or per order. These restrictions may include

orders placed by or under the same customer account, the same payment

method, and/or orders that use the same billing address. We reserve the

right to limit or prohibit orders that, in our sole judgment, appear to

be placed by dealers, resellers, or distributors.

7. RETURN/REFUND POLICY

Refunds are only issued in the following cases:

- Duplicate payment made for the same billing period.

- Payment deducted but the subscription was not activated within 24

hours.

To request a refund, contact us via WhatsApp at 923444472282 [phone number to be

confirmed] within 7 days of the date of payment.

Once a refund request is approved, the refund will be processed within 4 business days.

All other purchases are final and non-refundable in accordance with this

subscription policy.

8. PROHIBITED ACTIVITIES

You may not access or use the Services for any purpose other than that

for which we make the Services available. The Services may not be used

in connection with any commercial endeavors except those that are

specifically endorsed or approved by us.

As a user of the Services, you agree not to: systematically retrieve

data or other content from the Services to create or compile a

collection, compilation, database, or directory without written

permission from us; trick, defraud, or mislead us and other users,

especially in any attempt to learn sensitive account information such as

passwords; circumvent, disable, or otherwise interfere with

security-related features of the Services; disparage, tarnish, or

otherwise harm us and/or the Services; use information obtained from the

Services to harass, abuse, or harm another person; make improper use of

our support services or submit false reports of abuse; use the Services

in a manner inconsistent with applicable laws or regulations; engage in

unauthorized framing of or linking to the Services; upload or transmit

viruses, Trojan horses, or other harmful material, including excessive

use of capital letters and spamming; engage in any automated use of the

system, including scripts, data mining, robots, or similar data

gathering tools; delete copyright or other proprietary rights notices

from any Content; attempt to impersonate another user or person; upload

or transmit any material that acts as a passive or active information

collection mechanism (such as gifs, 1x1 pixels, web bugs, or cookies);

interfere with, disrupt, or create an undue burden on the Services;

harass, annoy, intimidate, or threaten our employees or agents; attempt

to bypass any measures designed to prevent or restrict access to the

Services; copy or adapt the Services' software; decipher, decompile,

disassemble, or reverse engineer any of the software comprising the

Services, except as permitted by law; use, launch, develop, or

distribute any automated system such as a spider, robot, scraper, or

offline reader; use a buying or purchasing agent to make purchases on

the Services; collect usernames and/or email addresses of users for the

purpose of sending unsolicited email; or use the Services as part of any

effort to compete with us.

9. USER GENERATED CONTRIBUTIONS

The Services may invite you to chat, contribute to, or participate in

blogs, message boards, online forums, and other functionality, and may

provide you with the opportunity to create, submit, post, display,

transmit, perform, publish, distribute, or broadcast content and

materials to us or on the Services (collectively, "Contributions").

Contributions may be viewable by other users of the Services and through

third-party websites and may be treated as non-confidential and

non-proprietary. By creating or making available any Contributions, you

represent and warrant that: your Contributions do not and will not

infringe the proprietary rights of any third party; you own or have the

necessary rights, licenses, consents, and permissions to use and

authorize us to use your Contributions; you have obtained consent from

every identifiable individual in your Contributions to use their name or

likeness; your Contributions are not false, inaccurate, or misleading;

your Contributions are not unsolicited advertising, spam, or chain

letters; your Contributions are not obscene, lewd, violent, harassing,

libelous, or otherwise objectionable; your Contributions do not

ridicule, disparage, or abuse anyone; your Contributions do not violate

any applicable law, regulation, or third party's privacy or publicity

rights; and your Contributions do not include content connected to child

exploitation or offensive comments about race, national origin, gender,

sexual preference, or physical handicap. Any use of the Services in

violation of the foregoing may result in termination or suspension of

your rights to use the Services.

10. CONTRIBUTION LICENSE

By posting your Contributions to any part of the Services, or making

them accessible by linking your account to any social networking

account, you grant us an unrestricted, unlimited, irrevocable,

perpetual, non-exclusive, transferable, royalty-free, fully-paid,

worldwide right and license to host, use, copy, reproduce, disclose,

sell, resell, publish, broadcast, retitle, archive, store, cache,

publicly perform, publicly display, reformat, translate, transmit,

excerpt, and distribute such Contributions for any purpose, and to

prepare derivative works of, or incorporate into other works, such

Contributions, with the right to grant sublicenses of the foregoing.

This license will apply to any form, media, or technology now known or

hereafter developed, and includes our use of your name, company name,

and franchise name, as applicable, and any trademarks, service marks,

trade names, logos, and personal and commercial images you provide. You

waive all moral rights in your Contributions.

We do not assert any ownership over your Contributions. You retain full

ownership of all of your Contributions and any related intellectual

property rights. We are not liable for any statements or representations

in your Contributions. You are solely responsible for your Contributions

and agree to exonerate us from any and all responsibility and to refrain

from any legal action against us regarding your Contributions.

We have the right, in our sole discretion, to (1) edit, redact, or

otherwise change any Contributions; (2) re-categorize any Contributions;

and (3) pre-screen or delete any Contributions at any time and for any

reason, without notice. We have no obligation to monitor your

Contributions.

11. GUIDELINES FOR REVIEWS

We may provide you areas on the Services to leave reviews or ratings.

When posting a review, you must comply with the following criteria: (1)

you should have firsthand experience with the person/entity being

reviewed; (2) your reviews should not contain offensive profanity or

abusive, racist, or hateful language; (3) your reviews should not

contain discriminatory references based on religion, race, gender,

national origin, age, marital status, sexual orientation, or disability;

(4) your reviews should not contain references to illegal activity; (5)

you should not be affiliated with competitors if posting negative

reviews; (6) you should not make conclusions as to the legality of

conduct; (7) you may not post false or misleading statements; and (8)

you may not organize a campaign encouraging others to post reviews,

whether positive or negative.

We may accept, reject, or remove reviews in our sole discretion and have

no obligation to screen or delete reviews. Reviews are not endorsed by

us and do not necessarily represent our opinions. By posting a review,

you grant us a perpetual, non-exclusive, worldwide, royalty-free, fully

paid, assignable, and sublicensable right and license to reproduce,

modify, translate, transmit, display, perform, and/or distribute all

content relating to the review.

12. MOBILE APPLICATION LICENSE

Use License

If you access the Services via the App, then we grant you a revocable,

non-exclusive, non-transferable, limited right to install and use the

App on wireless electronic devices owned or controlled by you, strictly

in accordance with these Legal Terms. You shall not: (1) decompile,

reverse engineer, disassemble, or attempt to derive the source code of

the App, except as permitted by law; (2) make any modification,

adaptation, or derivative work from the App; (3) violate any applicable

laws in connection with your use of the App; (4) remove, alter, or

obscure any proprietary notice posted by us or our licensors; (5) use

the App for any revenue-generating or commercial purpose it was not

designed for; (6) make the App available over a network permitting

simultaneous access or use by multiple devices or users; (7) create a

competing product or service; (8) use the App to send automated queries

or unsolicited commercial email; or (9) use any of our intellectual

property in the design, development, or distribution of applications,

accessories, or devices for use with the App.

Apple and Android Devices

The following terms apply when you use the App obtained from either the

Apple App Store or Google Play (each an "App Distributor") to access

the Services: (1) the license granted to you is limited to a

non-transferable license to use the application on a device that

utilizes the Apple iOS or Android operating system, in accordance with

the applicable App Distributor's terms of service; (2) we are

responsible for providing maintenance and support for the App, and each

App Distributor has no obligation to furnish any maintenance and support

with respect to the App; (3) in the event of any failure of the App to

conform to any applicable warranty, you may notify the applicable App

Distributor, which may, in accordance with its own terms and policies,

refund the purchase price, if any, paid for the App; (4) you represent

that you are not located in a country subject to a U.S. government

embargo or designated as a "terrorist supporting" country, and that

you are not listed on any U.S. government list of prohibited or

restricted parties; (5) you must comply with applicable third-party

terms of agreement when using the App; and (6) you acknowledge that the

App Distributors are third-party beneficiaries of this mobile

application license and will have the right to enforce it against you.

13. SOCIAL MEDIA

As part of the functionality of the Services, you may link your account

with online accounts you have with third-party service providers (each,

a "Third-Party Account") by either providing your Third-Party Account

login information through the Services, or allowing us to access your

Third-Party Account as permitted under its applicable terms. You

represent that you are entitled to disclose your Third-Party Account

login information to us and/or grant us access without breaching any of

the terms governing your use of the Third-Party Account, and without

obligating us to pay any fees. By granting us access to any Third-Party

Accounts, you understand that we may access, make available, and store

any content you have provided to and stored in your Third-Party Account

("Social Network Content") so that it is available on and through the

Services, and we may submit to and receive additional information from

your Third-Party Account to the extent you are notified when you link

your account. Depending on the Third-Party Accounts you choose and your

privacy settings there, personally identifiable information you post to

your Third-Party Accounts may become available on and through your

account on the Services. If a Third-Party Account becomes unavailable,

or our access is terminated by the third-party provider, Social Network

Content may no longer be available through the Services. You may disable

the connection between your account and your Third-Party Accounts at any

time. Your relationship with third-party service providers is governed

solely by your agreements with them; we do not review Social Network

Content for accuracy, legality, or non-infringement, and are not

responsible for it. You acknowledge that we may access your email

address book associated with a Third-Party Account and your device

contacts solely to identify and inform you of contacts who have also

registered to use the Services. You can deactivate this connection at

any time by contacting us or via your account settings. We will attempt

to delete any information obtained through a Third-Party Account, except

the username and profile picture associated with your account.

14. SERVICES MANAGEMENT

We reserve the right, but not the obligation, to: (1) monitor the

Services for violations of these Legal Terms; (2) take appropriate legal

action against anyone who, in our sole discretion, violates the law or

these Legal Terms, including reporting such user to law enforcement; (3)

refuse, restrict access to, limit the availability of, or disable any of

your Contributions; (4) remove from the Services or otherwise disable

files and content that are excessive in size or burdensome to our

systems; and (5) otherwise manage the Services to protect our rights and

property and to facilitate their proper functioning.

15. PRIVACY POLICY

We care about data privacy and security. Please review our Privacy

Policy at https://myhisaab.pk/privacy-policy/. By using the Services,

you agree to be bound by our Privacy Policy, which is incorporated into

these Legal Terms. Please be advised the Services are hosted in Pakistan

and Singapore. If you access the Services from any other region of the

world with laws or other requirements governing personal data

collection, use, or disclosure that differ from applicable laws in

Pakistan and Singapore, then through your continued use of the Services

you are transferring your data to Pakistan and Singapore, and you

expressly consent to have your data transferred to and processed there.

16. TERM AND TERMINATION

These Legal Terms shall remain in full force and effect while you use

the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS,

WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR

LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING

CERTAIN IP ADDRESSES) TO ANY PERSON FOR ANY REASON OR FOR NO REASON,

INCLUDING FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT

CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION.

WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE

YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME,

WITHOUT WARNING, IN OUR SOLE DISCRETION.

If we terminate or suspend your account for any reason, you are

prohibited from registering and creating a new account under your name,

a fake or borrowed name, or the name of any third party, even if you may

be acting on behalf of the third party. In addition to terminating or

suspending your account, we reserve the right to take appropriate legal

action, including civil, criminal, and injunctive redress.

17. MODIFICATIONS AND INTERRUPTIONS

We reserve the right to change, modify, or remove the contents of the

Services at any time or for any reason at our sole discretion without

notice. However, we have no obligation to update any information on our

Services. We also reserve the right to modify or discontinue all or part

of the Services without notice at any time. We will not be liable to you

or any third party for any modification, price change, suspension, or

discontinuance of the Services.

We cannot guarantee the Services will be available at all times. We may

experience hardware, software, or other problems, or need to perform

maintenance related to the Services, resulting in interruptions, delays,

or errors. We reserve the right to change, revise, update, suspend,

discontinue, or otherwise modify the Services at any time or for any

reason without notice to you. You agree that we have no liability

whatsoever for any loss, damage, or inconvenience caused by your

inability to access or use the Services during any downtime or

discontinuance of the Services. Nothing in these Legal Terms will be

construed to obligate us to maintain and support the Services or to

supply any corrections, updates, or releases in connection therewith.

18. GOVERNING LAW

These Legal Terms shall be governed by and defined following the laws of

Pakistan. Digital Miles and yourself irrevocably consent that the courts

of Pakistan shall have exclusive jurisdiction to resolve any dispute

which may arise in connection with these Legal Terms.

19. DISPUTE RESOLUTION

Informal Negotiations

To expedite resolution and control the cost of any dispute, controversy,

or claim related to these Legal Terms (each, a "Dispute") brought by

either you or us (each, a "Party" and collectively, the "Parties"),

the Parties agree to first attempt to negotiate any Dispute informally

for at least thirty (30) days before initiating arbitration. Such

informal negotiations commence upon written notice from one Party to the

other.

Binding Arbitration

Any dispute arising out of or in connection with these Legal Terms,

including any question regarding its existence, validity, or

termination, shall be referred to and finally resolved by the

International Commercial Arbitration Court under the European

Arbitration Chamber (Belgium, Brussels, Avenue Louise, 146) according to

its Rules, which are considered part of this clause. The number of

arbitrators shall be one (1). The seat of arbitration shall be

Islamabad, Pakistan. The language of the proceedings shall be English.

The governing law shall be the substantive law of Pakistan.

Restrictions

The Parties agree that any arbitration shall be limited to the Dispute

between the Parties individually. To the full extent permitted by law:

(a) no arbitration shall be joined with any other proceeding; (b) there

is no right or authority for any Dispute to be arbitrated on a

class-action basis; and (c) there is no right or authority for any

Dispute to be brought in a purported representative capacity on behalf

of the general public or any other persons.

Exceptions to Informal Negotiations and Arbitration

The Parties agree that the following Disputes are not subject to the

above provisions: (a) any Disputes seeking to enforce or protect, or

concerning the validity of, any intellectual property rights of a Party;

(b) any Dispute related to allegations of theft, piracy, invasion of

privacy, or unauthorized use; and (c) any claim for injunctive relief.

If this provision is found illegal or unenforceable, the affected

Dispute shall be decided by a court of competent jurisdiction as set out

in Section 18, and the Parties agree to submit to that court's personal

jurisdiction.

20. CORRECTIONS

There may be information on the Services that contains typographical

errors, inaccuracies, or omissions, including descriptions, pricing,

availability, and other information. We reserve the right to correct any

errors, inaccuracies, or omissions and to change or update information

on the Services at any time, without prior notice.

21. DISCLAIMER

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE

THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST

EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED,

IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING THE

IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,

AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE

ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT OR THE CONTENT OF ANY

LINKED WEBSITES OR APPLICATIONS, AND WE WILL ASSUME NO LIABILITY OR

RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT

AND MATERIALS; (2) PERSONAL INJURY OR PROPERTY DAMAGE RESULTING FROM

YOUR ACCESS TO AND USE OF THE SERVICES; (3) ANY UNAUTHORIZED ACCESS TO

OR USE OF OUR SECURE SERVERS AND/OR ANY PERSONAL AND/OR FINANCIAL

INFORMATION STORED THEREIN; (4) ANY INTERRUPTION OR CESSATION OF

TRANSMISSION TO OR FROM THE SERVICES; (5) ANY BUGS, VIRUSES, TROJAN

HORSES, OR THE LIKE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD

PARTY; AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS

OR FOR ANY LOSS OR DAMAGE INCURRED AS A RESULT OF THE USE OF ANY CONTENT

POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. WE DO

NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY

PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE

SERVICES, AND WE WILL NOT BE A PARTY TO OR RESPONSIBLE FOR MONITORING

ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS. AS WITH THE

PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM, YOU SHOULD USE YOUR

BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

22. LIMITATIONS OF LIABILITY

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO

YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL,

EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST

PROFIT, LOST REVENUE, OR LOSS OF DATA, ARISING FROM YOUR USE OF THE

SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH

DAMAGES. OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER, AND REGARDLESS

OF THE FORM OF ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID,

IF ANY, BY YOU TO US DURING THE SIX (6) MONTHS PRIOR TO THE EVENT GIVING

RISE TO THE CLAIM. CERTAIN LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED

WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES; IF THESE

LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS

MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

23. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our

subsidiaries, affiliates, and all of our respective officers, agents,

partners, and employees, from and against any loss, damage, liability,

claim, or demand, including reasonable attorneys' fees and expenses,

made by any third party due to or arising out of: (1) your

Contributions; (2) use of the Services; (3) breach of these Legal Terms;

(4) any breach of your representations and warranties set forth in these

Legal Terms; (5) your violation of the rights of a third party,

including intellectual property rights; or (6) any overt harmful act

toward any other user of the Services with whom you connected via the

Services. We reserve the right, at your expense, to assume the exclusive

defense and control of any matter for which you are required to

indemnify us, and you agree to cooperate with our defense of such

claims. We will use reasonable efforts to notify you of any such claim

upon becoming aware of it.

24. USER DATA

We will maintain certain data that you transmit to the Services for the

purpose of managing the performance of the Services, as well as data

relating to your use of the Services. Although we perform regular

routine backups of data, you are solely responsible for all data that

you transmit or that relates to any activity you have undertaken using

the Services. You agree that we shall have no liability to you for any

loss or corruption of any such data, and you hereby waive any right of

action against us arising from any such loss or corruption of such data.

25. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

Visiting the Services, sending us emails, and completing online forms

constitute electronic communications. You consent to receive electronic

communications, and you agree that all agreements, notices, disclosures,

and other communications we provide to you electronically satisfy any

legal requirement that such communication be in writing. YOU HEREBY

AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER

RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF

TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You

hereby waive any rights or requirements under any statutes, regulations,

rules, ordinances, or other laws in any jurisdiction which require an

original signature or delivery or retention of non-electronic records,

or to payments or the granting of credits by any means other than

electronic means.

26. SMS TEXT MESSAGING

Message Frequency

You will receive SMS only when you initiate payments.

Opting Out

To stop receiving SMS, you can contact us at contact@myhisaab.pk.

Message and Data Rates

Please be aware that message and data rates may apply to any SMS

messages sent or received. The rates are determined by your carrier and

the specifics of your mobile plan.

Support

If you have any questions or need assistance regarding our SMS

communications, please email us at contact@myhisaab.pk.

27. MISCELLANEOUS

These Legal Terms and any policies or operating rules posted by us on

the Services constitute the entire agreement and understanding between

you and us. Our failure to exercise or enforce any right or provision of

these Legal Terms shall not operate as a waiver of such right or

provision. These Legal Terms operate to the fullest extent permissible

by law. We may assign any or all of our rights and obligations to others

at any time. We shall not be responsible or liable for any loss, damage,

delay, or failure to act caused by any cause beyond our reasonable

control. If any provision of these Legal Terms is determined to be

unlawful, void, or unenforceable, that provision is deemed severable and

does not affect the validity and enforceability of any remaining

provisions. There is no joint venture, partnership, employment, or

agency relationship created between you and us as a result of these

Legal Terms or use of the Services. You agree that these Legal Terms

will not be construed against us by virtue of having drafted them. You

hereby waive any defenses you may have based on the electronic form of

these Legal Terms and the lack of signing by the parties to execute

them.

28. CONTACT US

In order to resolve a complaint regarding the Services or to receive

further information regarding use of the Services, please contact us at:

Digital Miles, DaftarKhwan Vanguard, 5-A Constitution Ave, F-5/1, F-5,

Islamabad, 44000

contact@myhisaab.pk