Welcome to FINCA.pk (the “Site”), which is operated by FINCA Microfinance Bank Limited. The following Terms of Use (“Terms”) govern the access to and use of the Site. Please read these Terms carefully, because this document is a legal agreement. By accessing and using the Site you agree to these Terms. If you do not agree, please do not access or use the Site.

3.1 Registration and User Submissions

Some features of the Site may require registration or filling in the forms to allow users to submit their own messages and other user-generated content (“User Submissions”). User agrees to provide accurate and complete information about themselves as requested or directed on the Site and to promptly update this information to maintain its accuracy. Users at all times remain fully responsible for their Submissions, for maintaining the confidentiality of username and password, and for all activities that occur under the respective password or account. User agrees to immediately notify FINCA if they become aware of any unauthorized use of their password or username or any other breach of security. FINCA has the right, but not the obligation, to monitor, review, remove, reject, or revise at any time, without prior notice and in its sole discretion, User Submissions that violate the Terms, are otherwise objectionable, or for any other reason.

By submitting User Submissions to the Site, users grants FINCA, FINCA affiliates, and FINCA partners, a worldwide, perpetual, irrevocable, royalty-free, nonexclusive, sub-licensable license to use, reproduce, create derivate works of, distribute, publicly display, transfer, transmit, distribute, and publish the User Submissions in any form, medium, or technology now known or later developed. Users agree that they will not attempt to enforce any so-called “moral rights” in your User Submissions against us, our affiliates, or our partners.

3.2 User Conduct

The Site is not intended for users under 18 years old. Users may not provide or publicly post personal information on the Site if they are under 18. By using the Site, they agree not to:

  • Violate any applicable laws, including without limitation by infringing the copyrights, trademarks, or other proprietary rights of FINCA or any third party;
  • Harass, threaten, defame, abuse, or embarrass FINCA or any third party;
  • Impersonate FINCA or any third party;
  • Attempt to get a password, other account information, or other private information from others, or harvest e-mail addresses or other information;
  • Post any commercial content, including advertising and promotional materials, unless explicitly authorized by FINCA;
  • Engage in any conduct that inhibits or prevents FINCA or any other person from using or enjoying the Site, including without limitation taking any action that attempts to probe, scan, or test the vulnerability of FINCA systems or network, to breach its security or authentication measures, or to impose an unreasonable or unauthorized load or burden on the Site’s infrastructure; and
  • Engage in any other conduct that FINCA determines, in its sole discretion, is offensive, vulgar, sexually explicit, obscene, offensive, or otherwise objectionable.

3.3 Trademarks

According to native and international law about trademarks all rights in the product names, company names, trade names, logos, service marks, trade dress, slogans, and designs of FINCA products or services, whether or not appearing in large print or with the trademark symbol, belong exclusively to FINCA or its affiliates or their respective owners and are protected from reproduction, imitation, dilution, or confusing or misleading uses under national and international trademark and copyright laws. Unless expressly permitted herein, the use or misuse of these trademarks is prohibited, and nothing stated or implied on the Site confers on you any license or right to any trademark of FINCA, its affiliates or any third party. Consistent with this Agreement and any other terms and conditions provided on the Site, by using the e-link provided by FINCA containing its trademarks (the “Link”) for the sole purpose of linking to FINCAIMPACT.COM or to a team donation page from other websites, provided that your use of such Link may not create an impression that FINCA endorses, approves, sponsors or is affiliated with your products, goods, services, or your website and may not be linked from any website that includes content or advertising for pornography, partisan material, in addition unauthorized advertising of firearms, or any other content or advertising that may dilute or otherwise damage FINCA goodwill or reputation.

3.4 Copyright

The Site (including, but not limited to, text, images, photographs, graphics, user interface, screen shots, designs, and computer code, and the selection, coordination, and arrangement of such materials) is protected under the copyright laws of Pakistan. All copyrights in the Site are owned by FINCA its affiliates or its third-party licensors to the full extent permitted under the Copyright laws applicable thereto. Except for content that users have posted on the Site, or unless expressly permitted in writing, users may not copy, reproduce, distribute, publish, enter into a database, display, perform, modify, create derivative works, transmit, or in any way exploit any part of the Site.
If users believe in good faith that their copyrighted work has been reproduced on or linked from the Site without authorization in a way that constitutes copyright infringement, they can provide to FINCA designated copyright agent with the following information:

  • Identification of the copyrighted work claimed to have been infringed;
  • Identification of the allegedly infringing material that is requested to be removed;
  • Your name, address and daytime telephone number, and an e-mail address if available, so that we may contact you if necessary;
  • A statement that you have a good-faith belief that the use of the copyrighted work is not authorized by the copyright owner, its agent, or the law;
  • A statement that the information in the notification is accurate, and under penalty of perjury, that the signatory is authorized to act on behalf of the owner of an exclusive copyright right that is allegedly infringed; and
  • An electronic or physical signature of the copyright owner or someone authorized on the owner’s behalf to assert infringement of copyright and to submit the statement.

Our copyright agent for notice of claims of infringement on the Site is:
Mr. Muhammad Ali Butt – Sr. Manager Legal – Email address: ali.butt@finca.org.pk
FINCA will remove any content that infringes upon the copyright of any person under the laws of Pakistan upon receipt of such statement and will terminate the privileges of users who repeatedly infringe on the copyright of others.

3.5 Privacy Policy

FINCA Privacy Policy explains how it handles the personal information that have been obtained about users through the Site. By accessing the Site, Users indicate that they understand and agree to the information collection, use, and disclosure practices described in the Privacy Policy, which is incorporated in these Terms. If users have questions about the privacy practices, they can contact at complaints@finca.org.pk or info@finca.org.pk. User may review our privacy guidelines through this link (Link to be attached).

3.6 Third-Party Content and Links to Third-Party Websites

The Site may contain third-party content and links to other websites (“Linked Sites”). FINCA does not endorse, sponsor, recommend, or otherwise accept responsibility for any Linked Sites. FINCA also does not control the Linked Sites and is not responsible for the content or privacy practices of the Linked Sites.

3.7 Disclaimer of Warranties; Limitation of Liability

The site is provided “as is” and “with all faults.” FINCA makes no representation or warranty of any kind, whether express or implied, relating to the site, including without limitation any warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, reliability, or performance.

In no event will FINCA or its affiliates be liable for any direct, incidental, consequential, indirect, special, or punitive damages arising out of your access, use, misuse, or inability to use the site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, or line or system failure. In the event that users have a dispute with another user related to, arising from, or in any way connected with use of the site, Users release FINCA from any claims, demands, and damages of every kind and nature arising out of or in any way connected with such a dispute. These limitations apply whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage.

Because some jurisdictions do not allow the exclusion or limitation of certain damages, FINCA’s liability in such jurisdictions shall be limited to the minimum extent permitted by the governing law.

3.8 Indemnity

User agree to indemnify and hold FINCA harmless from any loss, liability, claim, or demand, including reasonable attorney’s fees, made or incurred by any third party due to or arising (directly or indirectly) out of your access to or use of the Site or arising from your breach of this Agreement.

3.9 Termination

FINCA reserves the right to remove or refuse to post or distribute User Submissions that FINCA determines, in its sole discretion, violate these Terms of Use and to restrict, suspend, or terminate the participation of any user from the Site at any time, with or without prior notice, who we determine, in our sole discretion, has or is violating these Terms of Use. We may terminate this agreement for any reason at any time. Otherwise applicable sections of this agreement shall survive such termination.

3.10 Miscellaneous

We may make changes to these Terms or modify any features of the Site at any time, in our sole discretion. The most current version of the Terms can be viewed by clicking on the “Privacy Policy” and “Terms of Use” link on the home page of the Site. By continuing to access and use the Site, users indicate that they accept any changes to the Terms.
These Terms of Use contain the entire agreement between user and FINCA regarding the use of the Site. If any provision of these Terms of Use is held invalid, the remainder of the Terms of Use shall continue in full force and effect.

3.11 Contact Us

If users have any questions about these Terms of Use, please contact FINCA at:
FINCA Microfinance Bank Limited
36-B, Khayaban-e-Iqbal, XX Block DHA Phase-III, Lahore
Helpline: (042) 111-111-562
Fax: 042-37132664
Or e-mail us at
info@finca.org.pk