User Responsibilities:

1. Users must not engage in any activities that violate laws or regulations, commit fraud, or subject Hashir Technologies to legal action or investigation.
2.  Bank account or card information provided to Hashir Technologies should only be used for authorized transactions and not shared with others.
3.  Users should adhere to Hashir Technologies’ platform terms and avoid tampering with its software without explicit consent.
4.  Users are required to provide accurate and complete information as part of Hashir Technologies’ “Know Your Customer” (KYC) requirements.

Merchant Responsibilities:

1.  Merchants must comply with applicable laws while using Hashir Technologies’ platform.
2.  Merchants should not process transactions for other merchant establishments, using Hashir Technologies platform, unless those are registered merchants of Hashir Technologies.
3.  Refinancing of existing debts with payment from customers is not allowed.
4.  Extraction of data from the Payment Instrument should follow Hashir Technologies’ specified methods.
5.  Merchants must provide transaction records to customers when handling transactions via Hashir Technologies’ platform.
6.  Merchants are prohibited from charging customers extra fees or passing on discounts related to transactions.
7.  Hashir Technologies is granted a limited license to use merchant’s trademarks, logos, etc., for marketing purposes.
8.  Hashir Technologies is authorized to include merchant’s name in directories or promotional materials.
9.  Merchants must maintain security measures on their websites and/or mobile applications as instructed by Payment Schemes, 1LINK, and Hashir Technologies.
10.  Merchants must follow instructions provided by Hashir Technologies for payments collected against Electronic Transactions.

Transaction and Settlement:

1.  Hashir Technologies, as a Payment Aggregator and Acquirer/Platform Provider, ensures timely settlement for merchants, typically within two (02) Banking Day for Account Based (Push) Payments and/or Account Pull Payments, and at least five (05) Banking Days for Payment Schemes based payments.
2. The Acquirer/Platform Provider’s Commission will be calculated based on processed and accepted Transactions via Hashir Technologies’ Platforms. Transaction information should accurately reflect legitimate Transactions compliant with this Agreement.
3.  Merchants must retain correspondence related to E-Transactions, including Sales Records, for a minimum of five (5) years.

General Rules:

1.  Compliance with Scheme Rules, PSO/PSPs’ SOCs, Acquirer/Platform Provider’s Policies, and Hashir Technologies’ Agreement is mandatory.
2.  Merchants should follow all applicable laws and requirements while selling products/services and fulfilling obligations under the Agreement.
3.  Merchant’s obligations related to the sale and provision of products/services to customers should be upheld.

Prohibited Items:

Merchants are prohibited from offering, selling, or delivering certain products/services, such as firearms, alcohol, explosives, pornography, live animals, banned drugs, fireworks, hazardous materials, gambling, etc.

Confidentiality and Security:

1.  Merchants must ensure data confidentiality and implement proper encryption and security measures to prevent unauthorized access or hacking.   Hashir Technologies is not responsible for the loss due to acts beyond the merchant’s control.
2.  Hashir Technologies Copyright and Trademarks are property of Hashir Technologies Private limited and can only be used after express written permission of Hashir Technologies.
3.  “Hashir Technologies,” “Hashir,” and related logos are trademarks owned by Hashir Technologies and cannot be used without prior written consent.

Other Businesses:

Hashir Technologies is not responsible for third-party services, products, or content.

Disclaimer:

Hashir Technologies provides content and functionality on the website “as is,” without warranties.

Governing Law and Jurisdiction:

The Agreement is governed by Pakistani law, and any disputes shall be settled by the competent court in Pakistan.

Please remember that this is a simplified version for clarity and understanding and might not cover every detail present in the original terms and conditions. For official and legal purposes, consult the original terms provided.