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These Sabih Financials Payment Services Terms of Service (this “Agreement”) constitute a legal agreement between you (“you” or “your”) and Sabih Financials (“Sabih Financials”, “we”, “our” or “us”) and govern your access to and use of Sabih Financials’ Payment Service for making payments, as described below (“Payment Service”). Your use of the Payment Service constitutes your agreement to all terms and conditions of this Agreement.
You confirm that you have reviewed Sabih Financials’ Terms of Use (“Sabih TOU”), which is incorporated by reference into and forms part of this Agreement, and you agree to be bound by the terms and conditions of the Sabih TOU. In case of any conflict between the Sabih TOU and this Agreement, the terms of this Agreement shall prevail only concerning the Payment Service.
All defined terms used in this Agreement will have the meaning assigned to them in this Agreement and will apply both to their singular and plural forms, as the context may require. Capitalized terms not expressly defined in this Agreement have the meaning given to them in the Sabih TOU.
The Payment Service enables you to make a payment to a person or entity that uses Sabih Financials services (a “Sabih User”) in accordance with this Agreement. You may make a payment to a Sabih User (you would be a “Payer” and the Sabih User would be a “Payee”) by a credit or debit card acceptable to us (a “Card Payment”) or an electronic payment from your bank account (a “Bank Payment”; collectively “Card Payments” and “Bank Payments” are referred to as “Payments”). Sabih Financials acts solely as a third-party payment facilitator and processor to Payers and Payees. The Payment Service is protected by copyright, trademark, and other intellectual property laws. Sabih Financials is not a party to any agreement between a Payer and Payee, and any disputes you have with a Payer or Payee are solely between you and the Sabih User.
Payments may only be made in Pakistani Rupees (PKR), and you may not use the Payment Service in any manner that violates any applicable Laws or this Agreement. You may not provide access to the Payment Service to any third party. You will provide accurate and complete information regarding your Payments and agree that all information you provide, including information about a debit or credit card or bank account, is complete, accurate, and true.The Payer is responsible for correctly identifying the Payee. If the Payer provides incorrect information about a Payee, Sabih Financials is not responsible for the recovery of any funds sent to an incorrect Payee.
To make a Bank Payment, the Payer must provide us with information regarding a valid Pakistani bank account that is owned by the Payer or that the Payer has the authority to manage and authorize us to debit that account to make the Bank Payment. You must provide verifiable bank account information, and there must be sufficient available funds to cover the amount of the Bank Payment. By authorizing a Bank Payment, the Payer authorizes Sabih Financials to electronically debit your bank account for the amount of the Bank Payment. You agree not to initiate any Bank Payment that violates the laws of Pakistan or any other law that applies to you.
To make a Card Payment, the Payer must provide us with a valid credit or debit card number and other information necessary to implement a payment with that card. The card must be in the name of the Payer or the person making the payment on behalf of the Payer. You must have sufficient funds available through the use of the card to cover the amount of the Card Payment. When you authorize a Card Payment, you authorize us to initiate a payment to the designated Payee through the card.
By instructing us to make a Payment, you authorize us to follow the Payment instructions that you provide to us through the Payment Service and authorize and instruct us to send emails or text messages to the Payee concerning the Payment. Once you initiate a Payment, we cannot assure you that we can stop or cancel the Payment. Please reach out to your financial institution or the Sabih User for assistance. If the Sabih User contacts us, we will make a reasonable effort to do so if the Payment has not yet been transmitted.
You authorize us to credit your account with any Payments that are returned. You are solely responsible for any fees charged by your bank or any other third party in connection with your receipt of the returned Payment.
We may return a Payment if we are unable to confirm that you are the intended recipient of the Payment, if we reasonably believe that completing the Payment would violate applicable Laws or regulations or that the Payment was fraudulent or unauthorized, or that the information that you or the Payer provided to us was inaccurate.
For Payers, the Payment Date is the date you authorize a Payment. On the Payment Date, we will charge the Card Payment or for Bank Payments, debit the designated bank a ccount for the payment amount. If the Payment Date falls on a weekend or Pakistani federal holiday, it will be processed the next business day. A business day is defined as Monday through Friday, except for legal holidays. You are responsible for ensuring that you have adequate available credit for Card Payments or that the funds are available in your bank account for Bank Payments. You are solely responsible for any fees (including late, overdraft, return, or over-limit fees) charged by your card issuer, your bank, or the Payee. You give Sabih Financials the right to resubmit any returned or invalid payments you have authorized and to re-originate the Payment. When you schedule a payment, you should allow sufficient time for the Payee to receive the Payment by its due date, which will be two (2) to three (3) business days after the Payee has accepted the Payment.
For Payees, we will initiate the Payment on the Payment Date. The Payee will not receive the Payment on the Payment Date. Funds may not be received by the Payee for two (2) to three (3) business days.
We may also request that you provide additional information to verify your identity or a Payment. If you refuse any of these requests, we may not be able to allow you to use the Payment Service.
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