Introduction

These Terms and Conditions (the “T&Cs”) govern the registration and use of the Mobile Banking Services (the “Service”) provided by Halan Microfinance Bank Limited, a banking company incorporated under the laws of Pakistan and having its registered office at “3rd Floor, Gate no 3, Islamic Chamber of Commerce, Block 9, Clifton, Karachi, Pakistan”. (“Halan”, “our”, “us”, or the “Bank”).

T&Cs constitute an agreement (the “Agreement”) between you (the “User”) and Halan when you register and use the Service via our official mobile banking application (the “Service Software”). You must read, understand, and accept all the provisions in these Terms and Conditions before availing yourself of the Service.

1. DEFINITIONS AND INTERPRETATION

• User: An individual customer who holds an Eligible Account with Halan and registers to use the Mobile Banking Service through the Service Software. The User is solely responsible for safeguarding their credentials and performing transactions through their authorized devices.
• Account: A transactional or non-transactional financial account maintained by Halan in the name of the User.
• IBAN: The International Bank Account Number associated with your Halan Account.
• Current Version: The latest officially released and supported version of the Service Software by Halan.
• Halan / Our / Us / the Bank: Refers to Halan Microfinance Bank Limited.
• Device: Any smartphone or digital hardware used by the User to access the Service Software.
• Device Management: Refers to the functions available within the Service Software that allow the User to manage authorized devices.
• Eligible Account: A bank account that is valid, active, and maintained by Halan under the User’s CNIC.
• Login Password / Login PIN: The confidential 4-digit PIN used by the User to access the Service Software. This is the same as the one linked to the User’s registered mobile number.
• OTP: One-Time Password sent by Halan to the User’s registered mobile number or email address for the purposes of authentication.
• Transaction PIN: A unique 4-digit confidential code created by the User to authorize all financial transactions.
• Service: The digital/mobile banking service offered by Halan which enables Users to access their account, perform financial transactions, and avail of other services via mobile devices.
• Service Software: The official mobile application provided by Halan for access to the Service.
• Statement: The electronic or physical bank statement generated by Halan showing transactions performed through the Account.

2. ACCOUNT REGISTRATION FOR MOBILE BANKING SERVICE

2.1 Registration Process

• Enter a valid CNIC number.
• Enter the mobile number already registered with Halan. An OTP will be sent for verification.
• Enter an email address. A second OTP will be sent to verify ownership. This is an optional field and the customer may skip it; however, we recommend providing the details as this will be used for notifications and sharing statements to the provided email address.
• The customer accounts will be shown to the customer to select the customer account that will be associated with the mobile banking application. In case of a single account, this selection step will be skipped.
• Set your Login PIN (4-digit confidential code), which will serve as your password to access the Mobile Application.
• Log into the Mobile App using the newly set Login PIN.
• Complete Biometric Verification (BVS) at any authorized channel.
• Set your Transaction PIN to authorize future financial transactions.

Note: After biometric verification, financial transactions are enabled 24/7.

3. ATTRIBUTES AND USAGE OF ACCOUNTS / DORMANCY

• Each CNIC can only be associated with one mobile number for Mobile Banking registration purposes.
• The Service is personal, non-transferable, and intended solely for individual use by the registered customer.
• If there is no financial or non-financial activity on the user account for 180 consecutive days, Halan reserves the right to mark the account as dormant in accordance with regulatory requirements.
• Any applicable charges or fees arising from transactions, statements, or account maintenance will be automatically debited from the registered account.

4. SECURITY AND USER COVENANTS

• The User agrees to safeguard their User ID, Login PIN, Transaction PIN, OTPs, and device at all times.
• Users must not disclose their credentials to any third party, including Halan staff or support representatives.
• It is recommended to change the Login PIN and Transaction PIN periodically, and especially if prompted by the Service Software.
• The User must ensure that the registered SIM/Device is solely used by them and is safeguarded at all times. In the event of loss or theft, the User must promptly notify their mobile operator to block the SIM and inform Halan’s Customer Service to block account access. Halan shall not be liable for any direct, indirect, or third-party losses of whatsoever nature due to delayed reporting. The time at which Halan receives instructions to block the account shall be considered final and binding.
• If the User believes that his/her Account has been accessed without his knowledge or consent, or that their password has been fraudulently used, they shall contact Halan immediately to block the Account.
• The User agrees that all instructions related to account access, transaction authorization, or use of Mobile Banking Services must be provided through the channels and methods prescribed by Halan. The User accepts full responsibility for the accuracy, completeness, and authenticity of any such instructions or payment details submitted (“User Instructions”), which shall be treated by Halan as valid and binding for processing.
• All records generated by Halan based on the User Instructions including transaction timestamps, payment authorizations, and related activity shall be considered final, authentic, and conclusive evidence of the validity and accuracy of those instructions and transactions.
• Once the User submits payment instructions and they are received by the Service Software, the transaction is deemed final and irrevocable. No changes, cancellations, or objections may be entertained thereafter. Halan reserves the right—but not the obligation—to seek clarification on any User Instructions if deemed necessary.
• The User undertakes not to use, or permit the use of, the Account and Services for any unlawful or improper purpose and agrees to comply with all applicable laws and regulatory guidelines. The User shall be fully liable for any unauthorized or illegal fund transfers, including those related to money laundering, carried out through their Account.
• Halan may suspend access in the event of suspected unauthorized access or security breaches.
• In case of compromise, the User must immediately notify Halan via the official helpline. Access may be suspended until credentials are securely reset.
• Devices used for accessing Mobile Banking must be kept updated with antivirus and anti-malware protection. Public Wi-Fi, cyber cafes, and shared computers must be avoided.
• Halan shall not be responsible for any loss, damage, or claim of any kind arising from the use of its services and systems regardless of the cause or circumstances..
• For complaints or queries, contact Halan’s helpline during working hours. Complaint resolution may take up to 15 working days.
• All sessions should be logged out properly. Never leave your mobile unattended while logged into the service software.
• If you use a shared network (e.g., office LAN), ensure session privacy.

5. SERVICE AND SERVICE SOFTWARE

• The Service Software is a mobile application that enables Users to log into their designated Account, view information related to their Eligible Account, update contact information, and issue User Instructions to Halan. Users may also update demographic details such as their registered mobile number, email address, and delivery address through the application, subject to verification and applicable security checks. These instructions may include, but are not limited to, initiating fund transfers, paying utility bills or credit card dues, and purchasing third-party goods or services through the mobile interface.
• The availability of services may be subject to change based on bank policy or technical enhancements. Halan is under no obligation to maintain the continuity of any specific service.
• The User is responsible for ensuring accurate information during any transaction or service request.
• Halan may set limits on EFT (electronic fund transfer) transactions. These limits may vary depending on the type of transaction, regulatory directives, or internal policy.
• Applicable fees and transaction charges (including IBFT and FED) shall be published in the Schedule of Charges.

6. REPRESENTATIONS AND CUSTOMER CONSENTS

• Accuracy of Personal Information The User represents and warrants that all personal details, including contact information (such as address, email, and mobile number), submitted to Halan during registration or subsequently updated through the Service Software, are accurate, current, and complete. The User acknowledges that such information will replace any previously submitted records and shall be used by Halan for verification, compliance, and official communications. Any false or misleading information provided by the User may result in legal or regulatory consequences for which the User shall be solely liable.
• Authorization for Account Linking: The User expressly authorizes Halan to link and enable all accounts maintained by the User under their CNIC for digital access via the Service Software. This authorization applies to both current and future accounts and shall remain in effect unless revoked in writing by the User. The User assumes full responsibility for this authorization and the usage of linked accounts.

7. HARGES, FEES, AND PAYMENTS

• You hereby authorize Halan to deduct all applicable charges, fees, and duties related to the use of Mobile Banking directly from your registered account.
• These charges may include but are not limited to fund transfers, bill payments, certificate requests, and loan inquiries.
• Halan may amend the fee structure with prior notice through email, SMS, or in-app notifications.
• The Parties acknowledge and agree to adhere to the dispute resolution process outlined in this Agreement for resolving any and all disputes arising from the use of the Service Software and associated Services.
• All payments related to charges, fees, or any other costs under this Agreement shall be subject to all applicable taxes, levies, and government duties as prescribed by law.
• Fee changes mandated by regulatory authorities may be applied immediately.
• Non-Payment – If the User fails to pay any charges or amounts due under this Agreement due to any act or omission, Halan shall have the right to suspend or close the User’s Account and revoke access to the Service Software and related Services. Halan also reserves the right to set off such dues against any funds held for the User, and may report non-compliance to law enforcement or regulatory authorities and cooperate with them as necessary.

8. RELATIONSHIP WITH HALAN

• The T&Cs define the operational relationship between the User and Halan for Mobile Banking Services.
• All instructions received from the User via authenticated Mobile Banking login will be treated as valid and binding.
• Any mailing address mismatch or unusual request may result in callback verification.
• Calls with Halan representatives may be recorded for training and legal purposes.

9. MISCELLANEOUS

• Halan may temporarily suspend Mobile Banking Services for maintenance, upgrades, or security concerns.
• The Bank retains the right to deny, restrict, or revoke access at its discretion and without prior notice in case of violations or risk concerns.
• Use of the application from unverified sources or through unauthorized modifications (e.g., rooted/jailbroken devices) is prohibited.

10. CONFIDENTIALITY

• All information shared during registration or usage is confidential and will not be disclosed to any third party without legal or regulatory justification.
• The User authorizes Halan to share necessary details with third parties, regulatory bodies, or law enforcement agencies as required.

11. WARRANTY DISCLAIMER

• The Service and Service Software are offered without warranties. Availability may be affected by network issues, software limitations, or user device configurations.
• No financial advice or guarantees are provided through Mobile Banking.

12. LIABILITY AND INDEMNITIES

• The User is responsible for all transactions executed via Mobile Banking.
• Halan shall not be liable for losses including but not limited due to:
  
  • Customer negligence 
  • Device malware or phishing
  • Unauthorized access via shared devices
  • Network failure or service interruptions
  • Delays or disruptions in the Service Software and/or Services
  • Viruses or other malicious software obtained by accessing, or linking to, the Service Software and/or Services
  • Damage to the User’s hardware device from the use of the Service Software and/or Services
• The User agrees to indemnify Halan from claims, losses, or damages resulting from violations of T&Cs.
• The User hereby releases Halan, its affiliates, officers, directors, agents, employees, and any associated entities from all claims, demands, or damages—whether known or unknown, direct or consequential—arising out of or in connection with any dispute the User may have with a third party relating to the use of the Service Software or any associated Services.

11. TERM AND TERMINATION

• The T&Cs remain valid until the User or Halan terminates the Service.
• Termination shall not affect obligations already incurred.
• Halan may terminate or suspend Service access if:
  
  • The User violates the Agreement or T&Cs
  •  Regulatory/legal directives are received
  • Unusual activity is observed

12. DISPUTE RESOLUTION

• Complaints must be filed within 30 days of transaction occurrence.
• Disputes shall be resolved under Pakistani law with courts in Karachi holding jurisdiction.
• Dispute resolution timelines are defined by Halan’s internal procedures and SBP guidelines.

13. GENERAL PROVISIONS

• Halan reserves the right to amend the T&Cs. Notification will be given in advance, typically at least 15 days prior to changes.
• If any provision is held to be invalid or unenforceable, it shall not affect the validity of the remaining provisions.
• Use of Mobile Banking assumes your acceptance of all risks associated with online services.
• Force Majeure: Halan shall not be liable for any delay or failure in performance resulting from acts beyond its reasonable control.

Declaration:

By registering for and using Halan’s Mobile Banking Service, I confirm that I have read, understood, and agree to be bound by the above T&Cs. 

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.