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Terms & Conditions

These Terms & Conditions (“Terms”) govern your access to and use of the services, website, mobile application, cards, and related offerings provided by Enzer (“Enzer”, “we”, “our”, or “us”).

By registering for or using Enzer, you agree to be legally bound by these Terms. If you do not agree, please discontinue use of the platform.

1. Definitions

  • Customer / User: Any individual who registers for or uses Enzer services
  • Merchant: Any business registered to accept Enzer payments
  • Installments: Structured payments divided over a defined period
  • Platform: Enzer website, mobile application, cards, and services

2. Regulatory Framework & Oversight

Enzer operates in compliance with all applicable laws, regulations, circulars, and guidelines issued by the State Bank of Pakistan (SBP).

  • Payment system regulations
  • Electronic money and fintech guidelines
  • Consumer protection frameworks
  • Anti-Money Laundering (AML) and Counter-Terrorism Financing (CFT) laws

Enzer is not a bank and does not accept public deposits. All payment and installment services are facilitated through regulated financial institutions or approved settlement mechanisms.

3. Eligibility

  • Be at least 18 years of age
  • Be a resident of Pakistan
  • Possess a valid CNIC
  • Provide accurate registration information

Enzer reserves the right to approve, decline, suspend, or terminate any account in accordance with regulatory and risk requirements.

4. Account Registration & Verification (KYC)

All users must complete mandatory Know Your Customer (KYC) and Customer Due Diligence (CDD) procedures.

https://enzer.gethalalnow.com/privacy
  • CNIC verification
  • Mobile number authentication
  • Identity checks via authorized databases
  • Ongoing transaction monitoring

5. Enzer Account Types & Cards

Enzer Premium Account

  • Spending limit: PKR 10,000 – PKR 50,000
  • Installments: Up to 4 installments
  • Applicable for online and physical purchases

Enzer Executive Account

  • Spending limit: PKR 25,000 – PKR 150,000
  • Physical purchases: up to 4 installments
  • Online purchases: up to 12 installments
  • Requires a paid yearly membership

Limits are assigned based on internal risk assessment and may be revised at any time.

6. Installment Payments & Repayments

  • Installment amounts and schedules are shown before confirmation
  • Payments must be made on or before due dates
  • Delayed payments may reduce limits or suspend accounts

7. Fees & Charges

  • The standard 4-installment plan is interest-free
  • Markup on extended installment plans is disclosed upfront
  • Executive membership fees are charged annually

8. Merchant Transactions & Responsibilities

Enzer is not responsible for the quality, pricing, delivery, or warranties of products or services offered by merchants.

9. Merchant Accounts & Advertising

  • Merchants may register to accept Enzer payments
  • Merchants may advertise on the Enzer platform

10. Shariah Compliance

Enzer operates in accordance with Shariah-compliant financial principles. Installment structures are transparent and avoid interest (riba).

11. AML / CFT Compliance

  • Transaction monitoring
  • Detection of suspicious activity
  • Reporting to authorities when legally required

12. Data Protection & Confidentiality

  • Data encryption
  • Secure servers
  • Restricted access controls

13. Prohibited Use

  • Providing false information
  • Fraudulent or illegal activity
  • Manipulating limits or transactions

14. Suspension & Termination

Enzer may suspend or terminate accounts to comply with regulations, prevent fraud, or mitigate security risks.

15. Limitation of Liability

Enzer is not liable for merchant disputes, service interruptions, or indirect losses.

16. Amendments

Enzer may update these Terms at any time. Continued use of the platform constitutes acceptance of the updated Terms.

17. Governing Law & Jurisdiction

These Terms are governed by the laws of the Islamic Republic of Pakistan.

18. Contact Information

Email: contact@enzer.io