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									Terms and Conditions for UB onLine
This important legal information relates to how you use our website, UB onLine banking service, and any links we provide to other companies’
websites. Please read the following terms and conditions carefully. References to “    you”or “ your”are references to any person accessing this
web-site (“       ).
             Site” Reference to “ , “we” us”or “   our”is references to United Bank Limited.
Company Information
United Bank Limited Registered in Pakistan. Registered Office: SLIC Building #1 I.I Chundrigar Road, Karachi.
Site Terms
These terms and conditions govern our site and by accessing this Site you agree to be bound by them. We reserve the right to change these
terms and conditions at any time without notice by updating the same.
Please note that these terms and conditions will apply in addition to those that apply for maintaining an account with United Bank Limited, an
additional copy of which can be obtained from your local branch.
Use of Site
We may in our sole discretion terminate your access to or use of this Site without assigning any reason, including without limitation where we
believe that you have not acted in accordance with the terms and conditions of this Site.
Copyright, all right reserved
The entire content of this Site is subject to copyright and trademark, with all rights reserved and the information held is for your personal use
only. You may not electronically reproduce and/or store and/or save, transmit or modify the contents of this Site without our prior written
consent. However, you can download your statement / data and other related information that you have been specifically allowed to
download as specified on the site. Any infringement of copyright or trademark in connection with this Site shall be fully enforced under
Pakistani                                                                                                                                       law.
Third Party Product and Services
Where we provide hypertext links to third party Internet web sites, such links are not an endorsement by us of any products or services in
such web sites. You use such links entirely at your own risk and we accept no responsibility or liability for the content, use or availability of
such website. We have not verified the truth or accuracy of any content of such web sites. This site may also contain some material provided
by third parties and we accept no responsibility or liability for the accuracy of such material .No third party is permitted to link any other web
site to this Site without obtaining our prior written consent.
No Offer or Risk
Nothing on this Site should be constructed as a solicitation or offer, or recommendation, to acquire or dispose of any investment or to engage
in any other transaction, or to provide any investment advice or service. We assume no risk or liability in respect of any use or reliance of the
contents of this site inclusive of any direct or indirect consequences.
No Warranty
Although we have taken all reasonable care to ensure that the information provided on this Site is accurate, we give no warranties of any
kind, express or implied with regard to the accuracy, timeliness or completeness of any such information. Opinions and any other contents at
the Site are provided by us for personal use and informational purpose only and are subject to change without notice. Nothing contained on
the Site constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision. You should
obtain relevant and specific professional advice before making any investment decision.
No Liability
We will not accept any liability in any event whatsoever including, without limitation:
       a)     Liability in respect of negligence or any other reason whatsoever for any damages or losses of any kind, including (without
              limitation), direct, indirect, incidental, special or consequential damages and expenses or losses arising out of or in connection
              with the use of this Site whether caused by computer viruses or in any other way or in connection with any error, omission, defect
              in the Site or loss of any profit, goodwill, or reputation howsoever caused or arising even if expressly advised of the possibility of
              such loss or damages, arising out of or in connection with the access to or use of the Site or any part of it, with or without notice,
              at any time.

      b)     Liability in respect of negligence or any other reason whatsoever for damages or losses of any kind, including (without limitation),
             direct, indirect, incidental, special or consequential damages and expenses or losses caused by your failure to access this Site or
             caused in any other way, arising out of or in connection with any system failure(s), computer virus(es) etc. howsoever caused or
             arising; even if expressly advised of the possibility of such loss or damages and you agree that we shall not be liable to you or any
             third party for any such suspension, discontinuation etc. of the Site.
Governing Law
The substantive and procedural laws of the Islamic Republic of Pakistan (High Court of Sindh at Karachi, Pakistan) govern these terms and
condition and you agree that the Pakistan courts shall have exclusive jurisdiction to determine any matter or dispute in connection with or
arising out of this Site and these term and conditions. This Site is designed for use in PAKISTAN and is not directed to, nor intended for
distribution or use by, any jurisdiction or country where the publication or availability of this Site or such distribution or use would be contrary
to local law or regulation. If you choose to access information of this Site, it is your responsibility to comply with the applicable local, national
or international laws and any use of this Site outside PAKISTAN is entirely at your own risk. For guidance relating to your specific situation,
please contact your legal advisor.
Data Protection
We will store and process your information on the United Bank Limited computers and in any other way, as we deem fit. By “                      your
information”we mean personal and financial information we (a) obtain from you or from third parties (such as joint account holders, credit
reference agencies or other organisations when you apply for an account or any other products or service), or (b) learn from the way you use
and manage your account(s), from the transactions you make and from the payments which are made to your account(s).

We, at United Bank Limited, will use your information to manage your account(s), give you statements and provide our services, for your
convenience (including credit and/or behaviour scoring, market and product analysis), and to develop and improve our service to you, for
example by informing you about products and services (including those of others) which may be of interest to you.

We will not disclose any such information outside of United Bank Limited except:
      •     to credit reference and fraud prevention agencies and other organisations who may record, use and give out information to other
            lenders and insurers. The information may be used to make assessments for credit and all types of insurance, for debt tracing and
            to prevent fraud and money laundering;
      •     to persons acting as our agents under a strict code of confidentiality;
      •     to anyone to whom we transfer or may transfer our rights and duties under your Customer Agreement;
      •     as required by law or regulation or market practice.
Otherwise we will keep information about you confidential.
If we transfer your information to a service provider or agent on another country, we will use our best efforts to ensure that the service
provider or agent agrees to apply the same levels of protection, as we are required to apply to information held in the PAKISTAN and to use
your information only for the purpose of providing the service to us.
Collection of Information
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United Bank’ Online Banking uses cookies, i.e. small files which are stored on a user’ hard drive, as part of its normal service to enable
information about customers and their preferences to be stored and to prevent unauthorised access to a customer’ account online. However,
we do not use cookies on customers’                                s
                                      PCs to monitor an individual’ use of the Internet.

Security Notice
Please note that Internet communications are inherently not secure. Although the risk of unauthorized access is lessened by encryption of
data, we cannot accept any responsibility/liability for the unauthorized access by a third party and/or corruption of data being sent by
individuals to the offices of United Bank Limited. The Customer undertakes not to disclose his/her Password to any other person. In the event
of the Password becoming known to someone other than the Account Holder, that person may be treated by the Bank as an acting agent of
the Account Holder. The Account Holder will notify the Bank immediately if he/she suspects that the password has been compromised.

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