Biometric Terms & Conditions

These Terms & Conditions (“T&Cs”) govern the collection, usage, verification, storage, and protection of biometric information through the Halan Microfinance Bank Limited (“Halan”) Mobile Application.

For the purpose of these T&Cs, the term “Customer” refers to any individual who uses the Halan Mobile Application and provides biometric information for authentication or verification purposes.

By enabling biometric authentication or providing biometric data for verification, the Customer acknowledges that they have read, understood, and agreed to comply with these T&Cs.

Purpose of Biometric Verification

Halan Microfinance Bank Limited (“Halan”) is required under the State Bank of Pakistan (SBP) regulations to perform biometric verification of its customers through NADRA’s Biometric Verification System (BVS) for activities including, but not limited to:

• New customer registration / account opening
• Customer KYC (Know Your Customer) updates
• Password / PIN reset requests
• High-value or regulator-mandated transactions
• Any additional processes mandated by SBP or NADRA from time to time

The purpose of biometric verification is to authenticate the Customer’s identity and ensure the security and integrity of accounts, profiles, and financial transactions.

Data Capture and Transmission 

• The Halan Mobile Application captures the Customer’s biometric data (e.g., fingerprint, facial scan, or thumb impression) solely for verification purposes.
• Biometric data is not stored on Halan’s servers at any stage.
• The captured biometric data is securely transmitted in encrypted form to NADRA through secure APIs.
• NADRA performs the verification and returns a success or failure response to Halan.
• Halan does not receive, retain, or store any raw biometric images, templates, or other sensitive identifiers.

Customer Consent & Authorization

By proceeding with biometric verification, the Customer:

• Provides explicit consent to Halan to capture, process, and transmit biometric information to NADRA for verification purposes.
• Authorizes Halan to utilize NADRA’s verification response for authentication, KYC compliance, and regulatory reporting.
• Confirms that the biometric data provided belongs exclusively to the Customer and is not misused from another individual.
• Understands that failure to provide biometric verification where required may result in restricted or denied access to certain or full services within the Halan Mobile Application.

Regulatory Compliance

• Halan strictly adheres to the SBP and NADRA guidelines regarding biometric authentication and customer identity verification.
• All biometric verification requests are conducted in compliance with applicable laws and regulations, including:
  • SBP BVS Circulars & Regulations
  • NADRA’s Biometric Verification Policy
  • Any other prevailing laws of Pakistan

Security and Data Privacy:

Halan prioritizes the confidentiality, security, and protection of Customers’ biometric data and personal information. The following measures are implemented:

• End-to-end encryption for all biometric data transmission.
• No storage or caching of biometric images or templates within Halan’s infrastructure.
• Strict access controls with authorized personnel only, as per regulatory and audit requirements.
• Continuous monitoring, periodic security audits, and real-time breach detection mechanisms to safeguard sensitive customer information.

Liability & Indemnification

• Halan shall not be held liable for any losses, damages, claims of whatsoever nature,or delays arising from:
  • Incorrect biometric data provided by the Customer.
  • Errors, downtime, or delays in NADRA’s verification services.
  • Unauthorized use of the Customer’s mobile device or biometric data due to negligence on the Customer’s part.
• The verification result provided by NADRA is final and binding.
• The Customer agrees to indemnify and hold harmless Halan, its employees, officers, and affiliates against any losses, disputes, or claims of whatsoever nature resulting from:
  • Misuse of biometric data on the Customer’s device
  • Fraudulent activities carried out using the Customer’s credentials

Breach of T&Cs

Customer Responsibilities:

Customers are expected to:

• Ensure that the biometric data provided is accurate and belongs to them.
• Maintain strict confidentiality of all PINs, passwords, OTPs, and security credentials.
• Immediately notify Halan in case of unauthorized access or suspicious activity.
• Ensure that their mobile device is secure, updated, and free from malware or other vulnerabilities.

Amendments to T&Cs

Halan reserves the right to amend, update, or modify T&Cs at any time to comply with regulatory directives, security requirements, or service improvements, which shall also be binding to the Customers.

• Any material changes will be communicated via the Halan Mobile App, website, or other official communication channels.
• Continued usage of biometric authentication after such updates will be considered as the Customer’s acceptance of the revised T&Cs.

Governing Law & Jurisdiction

T&Cs shall be governed by and construed in accordance with the laws of Pakistan, along with all applicable rules and directives issued by the SBP.

In case of any dispute, the matter shall be subject to the exclusive jurisdiction of the courts in Karachi, Pakistan.

Acknowledgment

By enabling biometric authentication or completing biometric verification through the Halan Mobile Application, the Customer acknowledges and confirms that:

• They have read, understood, and accepted T&Cs.
• They voluntarily consent to the collection, transmission, and verification of biometric data via NADRA’s Biometric Verification System.
• They understand that biometric verification is mandatory for regulatory compliance, fraud prevention, and security of accounts and transactions.

Contact Us

We welcome your comments and questions about this Privacy Policy. If you have any inquiries, please contact us at:

Mobile Application: Play Store
Email: info@halan.com

Registered Office:

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

Contact: info@halan.com.pk