Introduction

These Terms and Conditions (“T&Cs”) govern the issuance, activation, usage, management, and replacement of Halan Debit Cards (“Card”) through the Halan Mobile Application (“App”) and other authorized channels.

By applying for, activating, or using the Card, you (“Customer”) acknowledge that you have read, understood, and agreed to abide by these T&Cs and all applicable State Bank of Pakistan (SBP) regulations, guidelines, and directives.

 Eligibility & Application:

• The Card is available to Halan Microfinance Bank account holders only.
• Customers must provide complete, accurate, and verifiable information as per Know Your Customer (KYC) requirements.
• The Bank reserves the right to reject, delay, or withhold any card application at its discretion or due to regulatory restrictions.

Card Issuance & Delivery:

• Upon successful application via the Mobile App, the Bank will issue the Card after performing necessary AML/CFT screening and internal compliance checks.
• Cards will be delivered to the registered address or made available for collection at designated branches, as per the customer’s selection.
• The Bank may refuse to issue a Card in cases of incomplete documentation, regulatory restrictions, or negative credit/risk profiling.

Card Activation & PIN Management:

• Customers must activate their Card through the Halan Mobile App or Call Center before first use.
• The Card PIN shall be self-generated by the customer using the App’s secure PIN generation module or via IVR.
• Customers must not disclose their PIN, passwords, OTPs, or other sensitive credentials to anyone.

Mobile App Card Controls (Exclusive Feature)

Through the Halan Mobile App, customers can:

1. Enable or disable transaction channels (ATM, POS, E-Commerce).
2. Set per-transaction and daily limits for:
   • Cash withdrawals
   • POS purchases
   • IBFT / Funds transfer
   • E-commerce transactions
3. Request a new debit card or replace an existing one.
4. Block or unblock the Card instantly in case of suspected compromise.

Charges & Fees

• Applicable charges such as issuance fee, annual fee, replacement fee, or transaction charges will be as per the Bank’s Schedule of Charges.
• The Bank reserves the right to revise charges and fees from time to time, with prior notice.

Permitted Usage

• The Card can be used for cash withdrawals, POS transactions, online purchases, bill payments, and other services enabled by the Bank.
• The Card is strictly for domestic usage and cannot be used for international transactions, including foreign ATM withdrawals, POS purchases, or online payments in foreign currency, in compliance with State Bank of Pakistan (SBP) regulations.
• Customers must ensure that transactions remain within the assigned transactional limits.

Fees, Charges and Limits

• All applicable issuance fees, replacement fees, annual fees, and transaction charges shall be governed by the Bank’s Schedule of Charges (SOC), available on the website.
• The Bank reserves the right to revise these charges, with at least 10 days’ prior notice to customers.
• Transactional limits are configurable by the customer but cannot exceed SBP-mandated maximum thresholds.

Security Obligations of the Customer

• Keep the Card, PIN, passwords, and OTPs confidential and secure.
• Immediately report lost, stolen, or compromised cards to the Bank via Mobile App and Call Center.
• Regularly review transaction history in the App and report any unauthorized or suspicious activity.

Bank’s Disclaimer: The Bank shall not be held responsible for any financial loss arising due to customer negligence, password sharing, phishing, or unauthorized third-party usage.

Dispute Resolution & Chargebacks:

• Customers must report any unauthorized or disputed transactions within 5 working days from the date of occurrence.
• The Bank will investigate and resolve disputes in compliance with SBP Consumer Protection Regulations.
• For disputed POS or e-commerce transactions, merchant evidence may be required and timelines may vary as per payment scheme network rules.
• The Bank’s decision shall be final and binding in cases where SBP directives are silent.

Card Blocking, Suspension & Termination

• The Bank reserves the right to block, suspend, or terminate the Card at its sole discretion, including but not limited to:
  • Regulatory requirements
  • Suspicious activity or fraud risk
  • Breach of these T&Cs
  • Account dormancy or closure
• Customers may voluntarily block their Card via the Mobile App.

Data Privacy & Confidentiality

• Customer data will be collected, processed, and stored in accordance with SBP’s PSD Circulars, AML/CFT regulations, and the Bank’s Privacy Policy.
• The Bank will not share customer information with third parties without consent, except when required by law, SBP directives, or court orders.

Limitation of Liability

• The Bank shall not be responsible for:
  • Declined transactions due to insufficient funds, network issues, or merchant refusal.
  • Delays or failures caused by third-party payment processors or telecom disruptions.
  • Losses caused by customer negligence or sharing of confidential credentials.
• The Bank’s liability shall not exceed the transaction amount under dispute.

Amendments: 

The Bank may, at its sole discretion, revise these T&Cs from time to time to comply with updated regulations or internal policies. Updated terms will be notified via:

• Mobile App
• Official website
• SMS or email

Continued usage of the Card shall be deemed acceptance of the revised T&Cs.

Governing Laws & Jurisdiction

These T&Cs shall be governed by and construed in accordance with the laws of Pakistan. Any disputes shall fall under the exclusive jurisdiction of courts in Karachi, Sindh.

Contact Us

For support, complaints, or inquiries:
📧 Email: digitalcomplaint@halan.com.pk
☎ Call Center: 021-111-238-267
🌐 Website: www.halan.com.pk

Registered Office:

Halan Microfinance Bank Ltd. Head Office 3rd Floor, 3rd Gate, Islamic Chamber of Commerce, Clifton Block-9, Karachi.