Use of this Website is covered under the following disclaimer, terms, and conditions. Usage of this Website means visitors to this Website, have agreed to the following.


The terms of this disclaimer (hereinafter referred to as “Disclaimer”) apply to this Website which Website belongs to Habib Bank Limited (“HBL”), whose principal place of business is located at Habib Bank Plaza, I.I. Chundrigar Road, Karachi-75650, Pakistan.

By accessing and using this Website and / or using the information provided on or via this Website you agree to be bound by this Disclaimer. In the event of any conflict between the terms and conditions of specific products and services and this Disclaimer, the conditions specific to such products and services shall prevail.

Use of this Website

The information provided on or via this Website should not be used as a substitute for any form of advice. Decisions based on this information are for your own account and risk.

Although HBL attempts to provide accurate, complete and up-to-date information, which has been obtained from sources that are considered reliable, HBL makes no warranties or representations, express or implied, as to whether the information provided on or via this Website is accurate, complete or up-to-date. HBL makes no representations and disclaims all express, implied, and statutory warranties of any kind to you or any third party, including, but not limited to, representations and warranties regarding accuracy, timeliness, completeness, merchantability, or fitness for any particular purpose. HBL assumes no responsibility for the consequences of any errors or omissions.

No opinion, advice or statement of HBL, or any affiliate, or their respective suppliers, agents members, officers, directors, employees, representatives, whether made on this Website or otherwise, shall create any warranty. You assume total responsibility and risk for your use of this Website and your reliance thereon.

HBL controls and maintains this Website from Pakistan and makes no representation that the information provided on or via this Website is appropriate or available for use in other countries. If you use this Website from other countries, you are responsible for compliance with applicable local laws.

HBL does not represent or warrant that this Website will function without any error or service interruption(s).

Use of this Website that may hinder the use of other users, that can or may endanger / jeopardize the functioning of this Website and/or affect the information provided on or via this Website or the underlying software, is not permitted.

Third Party Information, Products and Services

This Website provides hypertext links to third party websites, including the websites for affiliates of HBL in other countries. HBL cannot and will not take responsibility for information found on third party websites. Such links are not an endorsement by HBL of any products or services provided on or via such websites. The use of such links is entirely at your own risk and HBL accepts no responsibility or liability for the content, use or availability of such websites. The content on third-party websites are subject to change without notice to HBL. HBL has not verified the truth, accuracy, reasonability, reliability, and completeness of any content of such websites.

Intellectual Property

HBL, or the relevant owner, retains all rights (including copyrights, trademarks, patents, conceptual property rights as well as any other intellectual property rights) in relation to all information provided on or via this Website (including all texts, graphics and logos). You may not copy, download, publish, distribute or reproduce any of the information contained on this Website in any form without the prior written consent of HBL or the appropriate consent of the owner. However, you may print and/or download information contained on this Website for your own personal use. Links to HBL Websites are not permitted without the prior written consent of HBL.

Communication On Line

Messages that you send to HBL by e-mail may not be secure. HBL recommends that you do not send any confidential information to HBL by email. If you choose to send any messages to HBL via email, you accept the risk that they may be intercepted, misused and modified by a third party.

Exclusion of Liability

Neither HBL nor any of its agents or subcontractors shall be liable for any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including lost profits (even if HBL is advised of the possibility thereof) arising in any way from, including but not limited to, (i) any defects, viruses or any other malfunctions caused to any equipment or other software in connection with access or use of this Website, (ii) the information provided on or via this Website, (iii) the interception, modification or misuse of information transmitted to HBL or transmitted to you, (iv) the functioning or non-availability of this Website, (v) the misuse of this Website, (vi) the loss of data, (vii) downloading or use of any software made available by this Website, or (viii) claims of third parties in connection with the use of this Website. The exclusion of liability is also made for the benefit of directors and employees of HBL.

Applicable Law

This Website and its Disclaimer shall be governed by and construed in accordance with the laws of Pakistan. All disputes arising out of or in connection with this Disclaimer shall be submitted to the exclusive jurisdiction of the courts of Pakistan.


HBL reserves the right to change the information provided on or via this Website, including the terms of this Disclaimer, at any time and without notice. It is recommended that you review the information provided on or via this Website, including the terms of this Disclaimer, periodically for changes.


In no event shall HBL be liable to you or any third party for any damages of any kind arising out of or relating to the use of this Website or its contents, including, but not limited to, any lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages, even if HBL has been advised of the possibility of such damages. The foregoing shall apply regardless of whether a claim arises in contract, tort, negligence, strict liability or otherwise.

Neither HBL nor any of its affiliates nor any of their respective officers, directors, employees or agents, makes or has made any recommendation regarding any securities issued by any of the companies identified on this Website.

Data / Information may be delayed. HBL furnishes this information without responsibility for its accuracy and it shall be accepted by the site visitor on the condition that error in transmission or omissions shall not be made the basis for any claim, demand or cause for action against HBL. HBL believes its data / information and text services to be reliable, but accuracy is not warranted or guaranteed.

This Website includes facts, views, opinions and recommendations of individuals and organizations deemed of interest. HBL does not guarantee the accuracy, completeness or timeliness of, or otherwise endorse, these views, opinions or recommendations, nor does HBL give any investment advice, or advocate the purchase or sale of any security or investment.

HBL may point to other websites that may be of interest to the visitor of this Website. HBL has no responsibility over and accepts no responsibility in respect of such other websites.

All content on this site is Copyright 2007 Habib Bank Limited.