Terms & Conditions

TERMS AND CONDITIONS FOR THE USE OF Payplus.PK WEBSITE (Last updated 12 April 2017)

Last Updated on 12/4/2017. These terms and conditions are effective immediately for those registering accounts after that date and will become effective April 12, 2017 for those with pre-existing accounts. These terms and conditions (the "Terms") govern your access to and use of Payplusy.pk By accessing or using the Site, you are agreeing to these Terms and concluding a legally binding contract with us. Do not access or use the Site if you are unwilling or unable to be bound by the Terms. These User Terms are deemed to include all other operating rules, policies and guidelines that are referred to herein or that we may otherwise publish on our Website (as such, rules, policies and guidelines may be amended from time to time). By using the Website, you accept to be subject to the User Terms, including the User Guidelines. If you do not accept these User Terms, you are kindly requested not to use the Website any further. The registration as a user or business requires your express acceptance of these User Terms.

  1. Definition
  2. Parties:

    "You" and "your" refer to you, as a user of the Site. A "user" is someone who accesses, browses, crawls, scrapes, or in any way uses the Site. Business user means companies, organization, institution. "We," "us," and "our" refer to Payplus.

    Content:

    "Content" means text, images, photos, audio, location data, personal information and all other forms of data or communication. "Your Content" means Content that you submit or transmit to, through, or in connection with the Site, such as ratings, reviews, compliments, invitations, check-ins, messages, and information that you publicly display or displayed in your account profile. "User Content" means Content that users submit or transmit to, through, or in connection with the Site. "Payplus Content" means Content that we create and make available in connection with the Site. "Third Party Content" means Content that originates from parties other than Payplus or its users, which is made available in connection with the Site. "Site Content" means all of the Content that is made available in connection with the Site, including Your Content, User Content, and Third Party Content.

    Changes to the Terms of Service:

    We may modify the Terms from time to time. You understand and agree that your access to or use of the Site is governed by the Terms effective at the time of your access to or use of the Site. If we make material changes to these Terms, we will notify you by email or by posting a notice on the Site prior to the effective date of the changes. We will also indicate at the top of this page the date that revisions were last made. You should revisit these Terms on a regular basis as revised versions will be binding on you. Any such modification will be effective upon our posting of new Terms. You understand and agree that your continued access to or use of the Site after the effective date of modifications to the Terms indicates your acceptance of the modifications. You understand and agree that your continued access to or use of the Site after the effective date of modifications to the Terms indicates your acceptance of the modifications.

    THE SERVICES ON THE WEBSITE

  3. Using Payplus
    1. Eligibility
    2. To access or use the Site have the requisite power and authority to enter into these Terms. You may not access or use the Site if you are a competitor of ours or if we have previously banned you from the Site or closed your account.

    3. Permission to Use the Site
    4. We grant you permission to use the Site subject to the restrictions in these Terms. Your use of the Site is at your own risk, including the risk that you might be exposed to Content that is offensive, indecent, inaccurate, objectionable, or otherwise inappropriate.

    5. Site Availability
    6. The Site may be modified, updated, interrupted, suspended or discontinued at any time without notice or liability.

    7. User Accounts
    8. You must create an account and provide certain information about yourself in order to use some of the features that are offered through the Site. You are responsible for maintaining the confidentiality of your account password. You are also responsible for all activities that occur in connection with your account. You agree to notify us immediately of any unauthorized use of your account. We reserve the right to close your account at any time for any or no reason. Your account is for your personal, non-commercial use only. In creating it, we ask that you provide complete and accurate information about yourself to bolster your credibility as a contributor to the Site. You may not impersonate someone else (e.g., adopt the identity of a celebrity or your next-door neighbor), create or use an account for anyone other than yourself, provide an email address other than your own, or create multiple accounts. If you use a pseudonym, take care to note that others may still be able to identify you if, for example, you include identifying information in your reviews, use the same account information on other sites, or allow other sites to share information about you with us. Please read our Privacy Policy for more information.

    9. Communications from Payplus and other Users
    10. By creating an account, you agree to receive certain communications in connection with the Site. For example, you might receive compliments or friend requests from other Users.

  4. Content
    1. Responsibility For Your Content
    2. You alone are responsible for Your Content, and once published, it cannot always be withdrawn. You assume all risks associated with Your Content, including anyone's reliance on its quality, accuracy, or reliability, or any disclosure by you of information in Your Content that makes you personally identifiable. You represent that you own, or have the necessary permissions to use and authorize the use of Your Content as described herein. You may not imply that Your Content is in any way sponsored or endorsed by Payplus. You may expose yourself to liability if, for example, Your Content contains material that is false, intentionally misleading, or defamatory; violates any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right; contains material that is unlawful, including illegal hate speech or pornography; exploits or otherwise harms minors; or violates or advocates the violation of any law or regulation.

    3. Our Right to Use Your Content
    4. We may use Your Content in a number of different ways, including publicly displaying it, reformatting it, incorporating it into advertisements and other works, creating derivative works from it, promoting it, distributing it, and allowing others to do the same in connection with their own websites and media platforms ("Other Media"). As such, you hereby irrevocably grant us world-wide, perpetual, non-exclusive, royalty-free, assignable, sublicensable, transferable rights to use Your Content for any purpose. Please note that you also irrevocably grant the users of the Site and any Other Media the right to access Your Content in connection with their use of the Site and any Other Media. Finally, you irrevocably waive, and cause to be waived, against Payplus and its users any claims and assertions of moral rights or attribution with respect to Your Content. By "use" we mean use, copy, publicly perform and display, reproduce, distribute, modify, translate, remove, analyze, commercialize, and prepare derivative works of Your Content.

    5. Ownership
    6. As between you and Payplus, you own Your Content. We own the Payplus Content, including but not limited to visual interfaces, interactive features, graphics, design, compilation, including, but not limited to, our compilation of User Content and other Site Content, computer code, products, software, aggregate user review ratings, and all other elements and components of the Site excluding Your Content, User Content and Third Party Content. We also own the copyrights, trademarks, service marks, trade names, and other intellectual and proprietary rights throughout the world ("IP Rights") associated with the Payplus Content and the Site, which are protected by copyright, trade dress, patent, trademark laws and all other applicable intellectual and proprietary rights and laws. As such, you may not modify, reproduce, distribute, create derivative works or adaptations of, publicly display or in any way exploit any of the Payplus Content in whole or in part except as expressly authorized by us. Except as expressly and unambiguously provided herein, we do not grant you any express or implied rights, and all rights in and to the Site and the Payplus Content are retained by us.

    7. Advertising
    8. Payplus and its licensees may publicly display advertisements and other information adjacent to or included with Your Content. You are not entitled to any compensation for such advertisements. The manner, mode and extent of such advertising are subject to change without specific notice to you.

    9. Other
    10. User Content (including any that may have been created by users employed or contracted by Payplus) does not necessarily reflect the opinion of Payplus. We reserve the right to remove, screen, edit, or reinstate User Content from time to time at our sole discretion for any reason or no reason, and without notice to you. For example, we may remove a review if we believe it violates our Content Guidelines. We have no obligation to retain or provide you with copies of Your Content, nor do we guarantee any confidentiality with respect to Your Content.

  5. Restrictions
  6. We are under no obligation to enforce the Terms on your behalf against another user. While we encourage you to let us know if you believe another user has violated the Terms, we reserve the right to investigate and take appropriate action at our sole discretion.

    1. You agree not to, and will not assist, encourage, or enable others to use the Site to:
      1. Violate our Content Guidelines, for example, by writing a fake or defamatory review, trading reviews with other businesses, or compensating someone or being compensated to write or remove a review;
      2. Violate any third party's rights, including any breach of confidence, copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right;
      3. Threaten, stalk, harm, or harass others, or promote bigotry or discrimination;
      4. Promote a business or other commercial venture or event, or otherwise use the Site for commercial purposes, except in connection with a Business Account and as expressly permitted by Payplus;
      5. Send bulk emails, surveys, or other mass messaging, whether commercial in nature or not; engage in keyword spamming, or otherwise attempt to manipulate the Site's search results or any third party website;
      6. Solicit personal information from minors, or submit or transmit pornography; or
      7. Violate any applicable law.
    2. You also agree not to, and will not assist, encourage, or enable others to:
      1. Violate the Terms
      2. Modify, adapt, appropriate, reproduce, distribute, translate, create derivative works or adaptations of, publicly display, sell, trade, or in any way exploit the Site or Site Content (other than Your Content), except as expressly authorized by Payplus;
      3. Use any robot, spider, site search/retrieval application, or other automated device, process or means to access, retrieve, scrape, or index any portion of the Site or any Site Content;
      4. Reverse engineer any portion of the Site;
      5. Remove or modify any copyright, trademark or other proprietary rights notice that appears on any portion of the Site or on any materials printed or copied from the Site;
      6. Record, process, or mine information about other users;
      7. Access, retrieve or index any portion of the Site for purposes of constructing or populating a searchable database of business reviews;
      8. Reformat or frame any portion of the Site;
      9. Take any action that imposes, or may impose, in our sole discretion, an unreasonable or disproportionately large load on Payplus's technology infrastructure or otherwise make excessive traffic demands of the Site.
      10. Attempt to gain unauthorized access to the Site, user accounts, computer systems or networks connected to the Site through hacking, password mining or any other means;
      11. Use the Site or any Site Content to transmit any computer viruses, worms, defects, Trojan horses or other items of a destructive nature (collectively, "Viruses");
      12. Use any device, software or routine that interferes with the proper working of the Site, or otherwise attempt to interfere with the proper working of the Site;
      13. Use the Site to violate the security of any computer network, crack passwords or security encryption codes; disrupt or interfere with the security of, or otherwise cause harm to, the Site or Site Content; or
      14. Remove, circumvent, disable, damage or otherwise interfere with any security-related features of the Site, features that prevent or restrict the use or copying of Site Content, or features that enforce limitations on the use of the Site.

    The restrictions above only apply to the extent permissible under applicable law. Nevertheless, you agree not to act contrary to them (even if permissible under applicable law) without providing 30 days' prior written notice to us here, together with any information that we may reasonably require to give us an opportunity to provide alternative remedies or otherwise accommodate you at our sole discretion.

  7. Indemnity
  8. You agree to indemnify, defend, and hold Payplus, its parents, subsidiaries, affiliates, any related companies, suppliers, licensors and partners, and the officers, directors, employees, agents and representatives of each of them (collectively, the "Payplus Entities") harmless, including costs, liabilities and legal fees, from any claim or demand made by any third party arising out of or relating to (i) your access to or use of the Site, (ii) your violation of the Terms, (iii) any products or services purchased or obtained by you in connection with the Site, or (iv) the infringement by you, or any third party using your account, of any intellectual property or other right of any person or entity. Payplus reserves 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 these claims. You agree not to settle any such matter without the prior written consent of Payplus. Payplus will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.

  9. Disclaimers and Limitations of Liability
  10. PLEASE READ THIS SECTION CAREFULLY SINCE IT LIMITS THE LIABILITY OF THE Payplus ENTITIES TO YOU. EACH OF THE SUBSECTIONS BELOW ONLY APPLIES UP TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW. NOTHING HEREIN IS INTENDED TO LIMIT ANY RIGHTS YOU MAY HAVE WHICH MAY NOT BE LAWFULLY LIMITED. IF YOU ARE UNSURE ABOUT THIS OR ANY OTHER SECTION OF THESE TERMS, PLEASE CONSULT WITH A LEGAL PROFESSIONAL PRIOR TO ACCESSING OR USING THE SITE. BY ACCESSING OR USING THE SITE, YOU REPRESENT THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THESE TERMS, INCLUDING THIS SECTION. YOU ARE GIVING UP SUBSTANTIAL LEGAL RIGHTS BY AGREEING TO THESE TERMS.

    1. THE SITE IS MADE AVAILABLE TO YOU ON AN "AS IS", "WITH ALL FAULTS" AND "AS AVAILABLE" BASIS, WITH THE EXPRESS UNDERSTANDING THAT THE Payplus ENTITIES MAY NOT MONITOR, CONTROL, OR VET USER CONTENT. AS SUCH, YOUR USE OF THE SITE IS AT YOUR OWN DISCRETION AND RISK. THE Payplus ENTITIES MAKE NO CLAIMS OR PROMISES ABOUT THE QUALITY, ACCURACY, OR RELIABILITY OF THE SITE, ITS SAFETY OR SECURITY, OR THE SITE CONTENT. ACCORDINGLY, THE Payplus ENTITIES ARE NOT LIABLE TO YOU FOR ANY LOSS OR DAMAGE THAT MIGHT ARISE, FOR EXAMPLE, FROM THE SITE'S INOPERABILITY, UNAVAILABILITY OR SECURITY VULNERABILITIES OR FROM YOUR RELIANCE ON THE QUALITY, ACCURACY, OR RELIABILITY OF THE BUSINESS LISTINGS, RATINGS, REVIEWS (INCLUDING THEIR CONTENT, ORDER, AND DISPLAY), OR METRICS FOUND ON, USED ON, OR MADE AVAILABLE THROUGH THE SITE.
    2. THE Payplus ENTITIES MAKE NO CLAIMS OR PROMISES WITH RESPECT TO ANY THIRD PARTY, SUCH AS THE BUSINESSES OR ADVERTISERS LISTED ON THE SITE OR THE SITE'S USERS. ACCORDINGLY, THE Payplus ENTITIES ARE NOT LIABLE TO YOU FOR ANY LOSS OR DAMAGE THAT MIGHT ARISE FROM THEIR ACTIONS OR OMISSIONS, INCLUDING, FOR EXAMPLE, IF ANOTHER USER OR BUSINESS MISUSES YOUR CONTENT, IDENTITY OR PERSONAL INFORMATION, OR IF YOU HAVE A NEGATIVE EXPERIENCE WITH ONE OF THE BUSINESSES OR ADVERTISERS LISTED OR FEATURED ON THE SITE. YOUR PURCHASE AND USE OF PRODUCTS OR SERVICES OFFERED BY THIRD PARTIES THROUGH THE SITE IS AT YOUR OWN DISCRETION AND RISK.
    3. THE Payplus ENTITIES EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES AS TO THE PRODUCTS OR SERVICES OFFERED BY BUSINESSES LISTED ON THE SITE, AND IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. NO ORAL OR WRITTEN INFORMATION OR ADVICE PROVIDED TO YOU BY A REPRESENTATIVE OF ONE OF THE Payplus ENTITIES SHALL CREATE A REPRESENTATION OR WARRANTY.
    4. YOUR SOLE AND EXCLUSIVE RIGHT AND REMEDY IN CASE OF DISSATISFACTION WITH THE SITE, RELATED SERVICES, OR ANY OTHER GRIEVANCE SHALL BE YOUR TERMINATION AND DISCONTINUATION OF ACCESS TO, OR USE OF THE SITE.
    5. THE Payplus ENTITIES DISCLAIM LIABILITY FOR ANY (i) INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, RELIANCE, OR CONSEQUENTIAL DAMAGES, (ii) LOSS OF PROFITS, (iii) BUSINESS INTERRUPTION, (iv) REPUTATIONAL HARM, OR (v) LOSS OF INFORMATION OR DATA.
  11. Refund Policies and Cancelations
  12. Website do not offer refunds until and unless stated while purchasing any product or service. 20% of cancelation charges may be applicable on service orders canceled after approval by any business or service provider.

  13. Goods and Services Delivery
  14. All businesses and services provider are required to mention delivery times in their profiles to help the customer understand delivery date and time.

  15. Choice of Law and Venue
  16. Pakistan law will govern these Terms, as well as any claim, cause of action or dispute that might arise between you and Payplus (a "Claim"), without regard to conflict of law provisions.

  17. Termination
    1. You may terminate the Terms at any time by closing your account, discontinuing your use of the Site, and providing Payplus with a notice of termination here. Please review our Privacy Policy for information about what we do with your account when terminated.
    2. We may close your account, suspend your ability to use certain portions of the Site, and/or ban you altogether from the Site for any or no reason, and without notice or liability of any kind. Any such action could prevent you from accessing your account, the Site, Your Content, Site Content, or any other related information.
  18. Other
  19. Except as specifically stated in another agreement we have with you, these Terms constitute the entire agreement between you and us regarding the use of Payplus and these Terms supersede all prior proposals, negotiations, agreements, and understandings concerning the subject matter of these Terms. You represent and warrant that no person has made any promise, representation, or warranty, whether express or implied, not contained herein to induce you to enter into this agreement. Our failure to exercise or enforce any right or provision of the Terms shall not operate as a waiver of such right or provision. If any provision of the Terms is found to be unenforceable or invalid, then only that provision shall be modified to reflect the parties' intention or eliminated to the minimum extent necessary so that the Terms shall otherwise remain in full force and effect and enforceable. To the extent allowed by law, the English version of this Agreement is binding and the translations are provided for convenience only. The Terms, and any rights or obligations hereunder, are not assignable, transferable or sublicensable by you except with Payplus's prior written consent, but may be assigned or transferred by us without restriction. Any attempted assignment by you shall violate these Terms and be void. The section titles in the Terms are for convenience only and have no legal or contractual effect; as used in the Terms, the word "including" means "including but not limited to." Feel Free to contact us with any questions regarding these Terms by contacting us here.

  20. User Agreement
    1. I agree to all the rules & regulations of Payplus.pktrademark ® Bloomsbury Services Pvt. Ltd.
    2. I understand that “Payplus.pk” has the right to change policies, prices, rules & website structure at any time & I will not make a claim in any court of law if they do so.
    3. I agree to the review/rating system of Payplus.pkand I agree that it is devised for the best interest of the public and only businesses/institutes/firms which provide the highest quality services or products are promoted.
    4. I agree that in case of any natural disaster or web security collapse due to my negligence or hacking, I won’t make any claim against Payplus.pk.
    5. I understand & agree that Payplus.pk is doing everything to rate only the best services in Pakistan and their ratings are not biased in anyway.
    6. I agree not to give any fake reviews to any business; doing so could get my Payplus.pk account deactivated for an unlimited period.
    7. I understand that only reviews those are verified by Payplus.pk will be considered verified & no objection can be held against it.
    8. I understand that Payplus.pk will regularly assess the rating criteria and it can change it anytime to make necessary improvements and bring out the best in any sector or specialty.
    9. I agree that I will use the Top Wallet or Top Credit system in a legal way, in case of any illegal activity related to credit transfer to or from my account, my account can be blocked for unlimited time and credit being confiscated/taken by Payplus.pk. I also understand that for doing so and I can be trialed in court of law under cyber crime act.
    10. I agree that I will not share my personal details like password or pin number with anyone to avoid any fraudulent activity.
    11. I agree that my “mobile number” is my account number and calls from this number to Payplus.pk by anyone would be considered as a representation of me or my business and Payplus.pk will be authorized to carry out any necessary request from this mobile number.
    12. I agree that Payplus.pk can add any rules or regulations to this agreement and it is my responsibility to stay updated with it through www.Payplus.pk website.
    13. I agree that in case of any server/internet/electrical issues or any other incident I will not claim any businesses loss against Payplus.pk.
    14. I agree that I will be liable to pay Payplus.pk, if I wish to close/deactivate my account at Payplus.pk.
    15. I agree not to make any false attempts to buy from Payplus.pk and doing so may get my account blocked at Payplus.pk for an unlimited period.
    16. I agree that Payplus.pk may share my details with government & financial agencies to make necessary checks required to run “Payplus.pk” services smoothly & securely.
    17. I agree that I will provide all information correctly especially while using Top Wallet/To Credit system and I will not use this for any activities related to terrorism, fraud or anything that is against the fundamental rules of Islamic finance. If I have been found doing so my account will be deactivated and I will be trialed in the court for relevant crime.

  21. Business User Agreement
    1. I agree to all the rules & regulations of Payplus.pktrademark ® Bloomsbury Services Pvt. Ltd.
    2. I understand that “Payplus.pk” has the right to change policies, prices, rules & website structure at any time & I will not make a claim in any court of law if they do so.
    3. I agree to the review/rating system of Payplus.pkand I agree that it is devised for the best interest of the public and only businesses/institutes/firms which provide the highest quality services or products will be promoted.
    4. I agree that in case of any natural disaster or web security collapse due to my negligence or hacking, I won’t make any claim against Payplus.pk.
    5. I understand & agree that Payplus.pk is doing everything to rate only the best services in Pakistan and their ratings are not biased in anyway.
    6. I understand that if I took any illegal measures to improve my rating on this website, my account may be blocked for an unlimited time.
    7. I understand that only reviews those are verified by Payplus.pk will be considered verified & no objection can be held against it.
    8. I understand that Payplus.pk will regularly assess the rating criteria and it can change it anytime to make necessary improvements and bring out the best in any sector or speciality.
    9. I agree that I will use the Top Wallet or Top Credit system in a legal way, in case of any illegal activity related to credit transfer to or from my account, my account can be blocked for unlimited time and credit being confiscated/taken by Payplus.pk. I also understand that for doing so, I can be trialed in court of law under cyber crime act.
    10. I agree that I will not share my personal details like password or pin number with anyone to avoid any fraudulent activity.
    11. I agree that my “mobile number” is my account number and calls from this number to Payplus.pk by anyone would be considered as a representation of me or my business and Payplus.pk will be authorized to carry out any necessary request from this mobile number.
    12. I agree that Payplus.pk can add any rules or regulations to this agreement and it is my responsibility to stay updated with it through www.Payplus.pk website.
    13. I agree that in case of any server/internet/electrical issues or any other incident I will not claim any businesses loss against Payplus.pk.
    14. I agree that I will provide all information correctly especially while using Top Wallet/To Credit system and I will not use this for any activities related to terrorism, fraud or anything that is against the fundamental rules of Islamic finance. If I have been found doing so my account will be deactivated and I will be trialed in the court for relevant crime.
    15. I agree not to sell any products that are against the fundamental rules of Islam. Products & Services that are forbidden to be sold on Payplus.pk include alcohol or any product that contains alcohol, medicines that are to be prescribed by a certified medic/doctors/pharmacist, un-ethical party tickets, pork meat etc. If I or my business is found selling or promoting any of the above mentioned product or services, Payplus.pk will have the right to block or deactivate my account immediately.
    16. I agree that Payplus.pk may share my data with government agencies, financial institutes and security agencies for security, checks and credit ratings.
    17. I agree that I will be liable to pay Payplus.pk for any charges that are due on my/my business behalf, if I wish to close/deactivate my account at Payplus.pk.