By browsing or accessing this 4Sight site/mobile application offered by the NBFC by the name of 4Sight Finance Services (Private) Limited (“4Sight”) in any manner whatsoever, you hereby agree and undertake that the terms and conditions contained herein (the “Terms”) shall govern your use of the provided services and that you are in express agreements with the contents of these Terms. The 4Sight may amend these Terms at any time with prior notice by posting the amended terms and conditions on its website or by updating the terms of its mobile application or other 4Sight (as the case may be). Such revised or updated terms and conditions shall become effective at the time they are notified or uploaded on the 4Sight, provided that failure to make or receive such notification shall not invalidate any such changes.
1.1. These Terms constitute a legally binding agreement (the “Agreement”) between the 4sight and the User (each as defined below). This Agreement shall become effective upon a User creating a user account on the 4Sight Mobile Application.
1.2. A User may not create a user account without accepting and agreeing to be bound by this Agreement. These Conditions shall apply in addition to the “General Terms and Conditions” for operating or creating a User account with 4Sight Mobile Application.
2. Acceptance of Terms
2.1. All use of 4Sight services and products, and the terms of access and usage of 4Sight Mobile Application are subject to the terms and conditions set forth below. Access to or use of any 4Sight services or products via any 4Sight constitutes the User’s acceptance of, and agreement to abide and be bound by, these Conditions (whether or not expressly accepted). The User, by creating a user account, signing up for any services or otherwise using or availing any services or products on any 4Sight Mobile Application, shall be deemed to have read, understood and agreed to be bound by these Conditions.
2.2. The user shall be required to accept such revised or updated terms and conditions in order to continue to avail any services or products from 4Sight Mobile Application.
2.3. You must be qualified and receive an approval from the 4Sight to use any service offered by the 4Sight Application (the “Services”). Whether you are qualified and whether any use of any Service is approved is determined by 4Sight in its sole discretion. Without limiting the foregoing, 4Sight may make such determinations when you request to open an account, when you request an additional Service, when you attempt to apply for a loan and/or at any other time that 4Sight deems to be appropriate. 4Sight may close, suspend, restrict, or limit your account and/or your use of or ability to transact in connection with any Service in 4Sight ’s sole discretion at any time for any reason without notice to you. 4Sight also may cancel transactions at any time in its sole discretion at any time for any reason without notice to you.
2.4. If the User does not accept or agree to be bound by these Conditions, 4Sight shall be entitled to:
(i) immediately terminate this Agreement,
(ii) discontinue or suspend providing you with any services,
(iii) deny you access to the 4Sight; and/or
(iv) exercise any other remedy it may deem appropriate. Such termination of this Agreement, discontinuation or suspension of any services or denial of access shall be without prejudice to all rights, titles and interests of 4Sight which have arisen or accrued against you prior to such action.
In this Agreement, the following capitalized terms shall have the meanings given to them as under (unless the context otherwise requires);
“Applicable Laws” means all statutes, ordinances, regulations, rules or orders of any kind whatsoever of any Governmental or regulatory authority that may be in effect from time to time and applicable to the relevant activities contemplated by this Agreement.
“Cooling Off Period” means the period of twenty-four (24) hours post generating a transaction request on the 4Sight where you may terminate this Agreement without incurring any liability to us.
“Due Date” means the date on which any amounts, including any loan, interest charges or other charges, costs, fees, service fees and expenses, become due and payable by the User to 4Sight.
“Finance” means any form of finance permitted to be provided by 4Sight in accordance with the terms of its license and the terms of any Applicable Laws, which may from time to time be made available by 4Sight via a 4Sight on such terms and in such amounts as shall be determined by 4Sight in its absolute discretion after a User makes a formal application.
“General Terms and Conditions” means the terms and conditions for creating, maintaining and utilizing a User account with 4Sight, as such terms and conditions may be amended or replaced by 4Sight from time to time.
“Intellectual Property” means patents (including reissues, divisions, continuations and extensions thereof), utility models, registered and unregistered designs, copyrights, database rights, registered and unregistered trademarks, trade names and any other form of protection afforded by law to inventions, marks, models, designs, software, goodwill, trade secrets or information (including technical or confidential information), in any form, and applications thereof, and shall include without limitation, any inventions, discoveries, formulas, know-how, processes, business methods, patents (including reissues, divisions, continuations and extensions thereof), utility models, registered and unregistered designs, copyrights, database rights, registered and unregistered service marks, trademarks, trade names and any other form of protection afforded by law to inventions, marks, models, designs, software, source codes, software code (regardless of its form), user documentation, technical documentation, data, carriers of data and/or software, plans, goodwill, trade secrets or information (including technical or confidential information), in any form, improvements and/or applications, and deprecated or future versions thereof.
“Operative Account” means the account maintained by the User with 4Sight for the purposes of availing any Finance or Services.
“User” means any person who has registered and maintains an active user account via any 4Sight (also referred to as “customer” or “you”).
“Services” means any ancillary services availed by a User from 4Sight other than the provision of any Finance. “4Sight” and the “User” shall together be referred to as the “Parties” and where the context requires individually as a “Party”.
“Digital Receipt” means the receipt generated on the 4Sight for the Customer listing the total charges against the Services including but not limited to service charges and taxes.
4.1. Subject to your compliance with this Agreement, the 4Sight grants the User a limited, non-exclusive, non-sub-licensable, revocable, non-transferrable license to: (i) access and use the 4Sight on its personal device solely in connection with requesting or availing any Finance or Services; and (ii) access and use any content, information and related materials that may be made available through the 4Sight , in each case solely for the User’s personal, non-commercial use.
4.2. Any rights not expressly granted herein are reserved by 4Sight and 4Sight ’s licensors.
4.3.The User hereby confirms, agrees and acknowledges that all Intellectual Property rights in the 4Sight, including know-how, software, source-code, information technology tools, artificial intelligence, and other technology used by 4Sight have been developed exclusively for 4Sight, its parent or affiliated companies or licensors. All rights on such 4Sight s are expressly reserved.
4.4. The User hereby unconditionally and without reservation confirms that all rights, interests, titles and benefits in and to any Intellectual Property which is developed by or for a 4Sight relating to the 4Sight , is the sole and exclusive property of the 4Sight , its affiliates, parents or licensors, who are and shall remain, the sole legal and beneficial owner of such Intellectual Property. The User shall have no rights to such Intellectual Property other than as a licensee with limited rights of use in accordance with these Conditions.
4.5. The User may not access, copy, reverse engineer, modify or otherwise seek to replicate or utilize any 4Sight for any purpose other than to avail any Finance or other Services in accordance with these terms. A User may not access any 4Sight software in source-code form.
5.1. In order to avail any Finance or Services, or otherwise use any aspect of the 4Sight, the User must be at least eighteen (18) years old.
5.2. The User agrees to provide, and to maintain at all times, accurate, complete, and up-to- date information when creating a User account and to ensure that the User’s account remains active. A User’s failure to maintain accurate, complete, and up-to-date user information may result in such user’s account being disabled, suspended or terminated without prior notice. A 4Sight shall be entitled to immediately terminate this Agreement with a User if it considers the User’s account information to be incorrect, incomplete or outdated.
5.3. The User agrees that it shall at all times be responsible to maintain the security and secrecy of the User’s account username and password. The User agrees and understands that it is responsible for all activity that occurs under the User’s account, even as a result of loss, damage or theft of the device through which the User accesses the 4Sight.
5.4. The User agrees that 4Sight may disclose details relating to the Finance or any other Services availed by the User to any of its affiliates, business partners, employees, shareholders, agents, consultants, to any third party (including credit bureaus), regulatory or governmental authorities, if in 4Sight ‘s opinion such disclosure is necessary for the purpose of evaluating any application made to 4Sight or such third Party or maintaining the Operative Account with 4Sight or in good faith belief that such disclosure is reasonably necessary to enforce this Agreement and/or Privacy Policy, to assist in the prevention, detection, investigation or prosecution of criminal activities or fraud, or for any other purpose as 4Sight may deem appropriate.
5.5. The User agrees that 4Sight may disclose details relating to the 4Sight, including details of default in servicing the Operative Account to any third party (including credit bureaus) for the purpose of evaluating the User’s credit worthiness or for any other lawful purpose. The User hereby expressly consents and allows 4Sight to forward personal data and file credit information to licensed credit bureaus, insurance companies, mobile financial service providers/banks. and other partner companies of.
5.6. You agree that the Company may order and review your credit report with the sole purpose of assessing your fitness to hold a 4Sight account and/or your ability to use the Service or features thereof.
6.1. By creating an account, you hereby agree and undertake that you shall not utilize your account:
Failure to comply with the above listed conditions shall entitle the 4Sight to remove any post, comment or material that it deems to be objectionable, suspend/terminate User’s account and to pursue against you all remedies and actions permissible under the law.
7.1. 4Sight may refuse an application submitted by a User requesting the provision of any Finance (including any roll-over of existing Finances availed by a User) or other Services without assigning any reason. Nothing herein shall entitle or be deemed to grant the User any right, title or interest in or to any Finance or Services.
7.2. 4Sight makes no representation and provides no warranty to any User with respect to the continued availability of any Finance or Services provided by 4Sight. All representations, warranties and other obligations and liabilities, whether express or implied, and whether arising under law, equity, or any other legal doctrine, in connection with the provision of any Finance or Services under these Conditions are hereby excluded and disavowed to the fullest extent permitted by law.
7.3. The User may cancel any transaction request on the within the Cooling-off period. Any deductions from the 4Sight during the Cooling-Off Period shall be reimbursed to the Customer Account.
8.1. The User represents, warrants, undertakes and covenants with 4Sight that it shall repay on time, on or no later than the Due Date, all amounts due and payable by such User to 4Sight in connection with any Finance or Services provided by 4Sight, or the use of the 4Sight from time to time.
8.2. With respect to a User’s use of the 4Sight and availing any Finance or Services, the User agrees and undertakes that it shall not:
(i) impersonate any person or entity;
(ii) stalk, threaten, or otherwise harass any person (including other Users making simultaneous use of the Service) or engage in any other activity which may constitute a crime;
(iii) violate any law, statute, rule, permit, ordinance or regulation in Pakistan;
(iv) interfere with or disrupt the Services or the 4Sigh or the servers or networks connected to the 4Sight;
(v) post information or interact on the 4Sight or with respect to any Finance or Services offered by 4Sight in a manner which is false, inaccurate, misleading (directly or by omission or failure to update information), defamatory, libelous, abusive, obscene, profane, offensive, harassing, or illegal;
(vi) use the 4Sight for any illegal activity, including money laundering, terrorist financing or any other criminal or immoral activity;
(vii) undertake any act which in any way that infringes any of 4Sight ’s rights, including but not limited to: intellectual property rights, copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy;
(viii) post, email or otherwise transmit any malicious code, files or programs designed to interrupt, damage, destroy or limit the functionality of any computer software or hardware or telecommunications equipment or surreptitiously intercept or expropriate any system, data or personal information;
(ix) forge headers or otherwise manipulate identifiers in order to disguise the origin of any information transmitted through the 4Sight ;
(x) “frame” or “mirror” any part of the 4Sight , without our prior written authorization or use meta tags or code or other devices containing any reference to us in order to direct any person to any other web site for any purpose;
(xi) modify, adapt, translate, reverse engineer, decipher, decompile or otherwise disassemble any portion of the 4Sight or any software used on or for the 4Sight ;
(xii) rent, lease, lend, sell, redistribute, license or sublicense the 4Sight or access to any portion of the 4Sight ;
(xiii) use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, scrape, “data mine”, or in any way reproduce or circumvent the navigational structure or presentation of the 4Sight or its contents;
(xiv) link directly or indirectly to any other web sites (xv) transfer or sell your user account, password and/or identification to any other party; (xvi) cause any third party to engage in the restricted activities above.
9.1. The User agrees to pay any and all amounts, including fees, costs, charges, expenses, penalties or service fees charged by 4Sight via Digital Receipt in consideration for providing any Finance or other services. A general schedule of charges is set out in Annex A (Schedule of Charges) to these Conditions.
9.2. The User hereby confirms that it has considered the charges and other fees of the 4Sight as specified in these Conditions and fully understands that failure to settle any amounts on their Due Date shall result in additional charges, costs, fees, service fees or penalties under Applicable Law.
9.3. In addition to any other charges intimated to a User by or as set out in Annex A (Schedule of Charges), the charges payable by a User in connection with any financial availed shall include: a. interest charges on any outstanding or rolled over Finance; b. commitment fees, administrative processing fees, appraisal fees and other costs and charges associated with the provision of any Finance; c. service fees payable in connection with any ancillary Services availed by a User; and d. in the event of default, all other costs, fees, charges and expenses incurred by in connection with the recovery of any amounts not paid on their Due Date.
9.4. The charges payable by a specific User for availing any Finance or Services shall be intimated to the User via the 4Sight at the time any Finance or Services are offered to or availed by a User.
9.5. The charges payable to 4Sight shall be intimated to the User via display on the screen of the 4Sight after the User selects the type of finance requested. Such charges shall be determined by 4Sight on the basis of individual risk profile, credit bureau scores, tenor and the amount of the Finance requested, against an application by a User requesting provision of Finance or Services.
9.6. All payments to be made by the User to 4Sight under this Agreement shall be made in full without any set-off or counter claim, free and clear of and without any deduction or withholding whatsoever. If a User is at any time required under Applicable Laws to make any deduction or withholding from any payment to 4Sight, such User shall immediately pay 4Sight such additional amounts as shall result in 4Sight receiving the full amount it would have received had no such deduction or withholding been required.
10.1. All payments to be made by a user in connection with these conditions are calculated without regard to any taxes in connection with the repayment of any finance or the provision of any Services. If any taxes are payable in connection with repayment of any finance or the provision of any Services to a User, such User must pay to 4Sight such additional amount on account of such applicable taxes to enable 4Sight to pay such taxes to the relevant tax authorities.
10.2. The User hereby undertakes and agrees that 4Sight may at any time block to freeze any amounts held in a User’s Operative Account on the instructions of any tax or other governmental or regulatory authority, or in the event 4Sight has reasonable grounds to believe that it must block or freeze such funds to comply with Applicable Laws, or if 4Sight considers that failure to block such amounts in a User’s Operative Account shall result in 4Sight incurring any potential legal liability.
11.1. In the event of a
(i) payment default by the User; or
(ii) other material breach by the User of any of these Conditions, 4Sight may in circumstances where the User fails to comply or procure compliance with the terms of a notice served by 4Sight on the User, immediately cancel the entire amount of any and all Finances made available to such User, and require the immediate repayment in full of the outstanding balance on the Operative Account; whereupon all monies, principal amounts, interest charges, fees, expenses, costs and services fees, accrued against the User shall become immediately due and payable.
11.2. The User shall also be liable to pay (where applicable) all reasonable costs, charges, attorney’s fees and expenses incurred by 4Sight in enforcing its legal rights and the terms and conditions of this Agreement.
11.3. Without prejudice to the aforesaid, failure by the User to comply with these Conditions shall entitle 4Sight to take any one of more of the following actions: a. immediate, temporary or permanent withdrawal, suspension or termination of the User’s right to use the 4Sight ; b. institution of legal proceedings against the User, including proceedings for recovery and reimbursement of all costs on an (including, but not limited to, reasonable administrative and legal costs) resulting from the breach; c. disclosure of such information to law enforcement authorities as 4Sight considers necessary for the protection and enforcement of its legal rights.
11.4. Upon the occurrence and during the continuance of any default by the User, 4Sight is hereby irrevocably and unconditionally authorized by the
12.1. The indemnity herein shall remain valid, subsisting and binding upon the User notwithstanding termination of this Agreement, and for a period of five (5) years following such termination.
12.2 The Company shall be entitled to recover all due payments through all legally permissible methods and routes including but not limited to digital reminders and in-person methods. For the purpose of clarity, the Company shall generate a digital receipt for all or any recovery amounts.
12.4. If any amount is unduly paid by the Customer under the terms of the agreement (Disputed Amount”), the Customer may be able to recover the Disputed Amount through the customer support channel by providing a valid Digital Receipt. For the purposes of clarity, the clearance of any Disputed Amount shall be subject to a thorough investigation by the Company.
13.1. Each User shall be granted an Operative Account wherein all transactions relating to the User, including the provision of Finance or any other Services availed by the User shall be maintained.
13.2. 4Sight shall maintain an account statement and an activity report for a User’s Operative Account, which statement and report shall be accessible from the User’s 4Sight. The statement of account shall contain details of transactions carried out in a User’s Operative Account (up to a maximum limit to be determined by 4Sight).
13.3. Users are responsible for checking their Operative Account statements from time to time and to notify the 4Sight immediately in case any transaction or other entry therein is incorrectly entered or any transaction has been carried out contrary to the User’s instructions.
13.4. 4Sight is hereby expressly authorized to correct any errors, omissions or other discrepancies in a User’s Operative Account statement from time to time. A User shall be notified of in case any corrections or rectifications are made by 4Sight to its Operative Account statement as soon as reasonably practical.
13.5. Users shall be notified periodically (based on preference chosen by Users) of all transactions made in their Operative Accounts in accordance with the notification provisions set out in these conditions, and the Users shall be liable to pay the charges disclosed and agreed in KFS.
13.6. Save for a manifest error, an Operative Account statement maintained and issued by 4Sight shall be conclusive evidence of all transactions carried out by a User through its Operative Account.
14.1. In no event shall 4Sight and/or any of its agents, employees, officers, parent company, affiliates, subsidiaries, successors, assigns, directors, and/or attorneys be liable to the User for lost profits and/or punitive or exemplary incidental consequential, special and/or damages in any action arising out of , related to:
(i) this Agreement;
(ii) the rights granted hereunder;
(iii) any breach, termination, cancellation or non-renewal hereof;
(iv) the provision of any Finance or Services to the User or its business; and/or
(v) any act, omission, error, mistake and/or other negligence of 4Sight .
14.2. Without limiting the foregoing, neither 4Sight nor any of its affiliates makes any representation or warranty of any kind, express or implied:
(i) as to the continued operation or availability of the Finance or Service, or the information, content, and materials or products included thereon;
(ii) that the 4Sight , or any Finance or Services offered thereunder, shall be available uninterrupted or error-free;
(iii) as to the accuracy, reliability, or currency of any information or content provided through 4Sight ; or
(iv) that the 4Sight , its servers, the content, or e-mails sent from or on behalf of 4Sight shall be free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.
15.1. 4Sight may at any time and without notice terminate this Agreement, cancel or suspend any User’s right to utilize 4Sight, or to continue to avail any Finance or Services, entirely or partly with or without affecting the User’s obligations under this Agreement.
15.2. The User may terminate this Agreement at any time by deleting its User account and removing the 4Sight from its devices.
15.3. Any termination of this Agreement shall be without prejudice to any liabilities or obligations incurred by the User prior to the date of termination. Termination by either the User or 4Sight shall not affect the User’s obligations to meet any liabilities incurred prior to such termination.
15.4. No termination of this Agreement by the User shall be effective unless the User has repaid the full amount of any finance, and any other charges, costs, fees, or other amounts due and payable to 4Sight at the time of termination, and termination of this Agreement shall only be effective upon the discharge of all the outstanding liabilities under these Conditions from the User to 4Sight . This condition shall continue until the User has repaid all amounts outstanding at the time of termination.
16.1. This Agreement shall be governed by and construed in all respects under the laws of the Islamic Republic of Pakistan.
16.2. Any dispute, controversy, disagreement, difference or question whatsoever which may arise between the Parties, including the interpretation of the rights and liabilities of either party, shall be resolved through arbitration to be conducted in accordance with the Arbitration Act, 1940 and any applicable rules made thereunder. The arbitration shall be conducted by a sole arbitrator to be mutually arbitrator to be mutually decided between the parties. The seat of the arbitration shall be in Islamabad, Pakistan, or such other city within Pakistan as the 4Sight may consider appropriate. The decision of such an arbitrator shall be final and binding on the Parties hereto.
16.3. In case of any dispute, the user must first submit any such complaints directly to the customer services desk, whose details are available on the 4Sight website or 4Sight.
16.4. Neither party shall be entitled to commence or maintain action in a court of law upon any matter in dispute until such matter shall have been submitted and determined as herein before provided and then only for the enforcement of the arbitration award or such matter as is permitted by law.
17.1. The User may not assign or otherwise dispose of any of the User’s rights and obligations, in whole or in part, under this Agreement without the 4Sight ’s prior approval. A 4Sight may transfer or assign its rights and obligations under this Agreement and such transfer or assignment shall be effective upon notification of the same to the User.
17.2. Nothing herein shall create any joint venture, partnership, employment or agency relationship between any User and 4Sight.
17.3. If any provision of this Agreement is held to be illegal, invalid or unenforceable, in whole or in part, under any law, such provision or part thereof shall to that extent be deemed not to form part of this Agreement and shall be deleted, while the remainder of this Agreement’s legality, validity and enforceability of the other provisions shall remain in full force and effect according to its terms.
17.4. The User may revoke or restrict their consent to sharing date at any time. In case of full or partial revocation of consent, the 4Sight remains the right to close the User’s account and suspend all Services.
18.1. All notices to the User made under these Conditions shall be sent by short message system (SMS) to the mobile telephone number provided by the User or by prepaid post to the last known postal address of the User, each or either of which shall be discharge 4Sight of its notification obligations hereunder. In addition, any change to these Conditions or the General Terms and Conditions shall be deemed to have been notified to the User upon being updated on the 4Sight or website.
18.2. The User shall regularly update their address on the profile page of the 4Sight Mobile App or get it updated by calling the 4Sight Customer Support Centre.
Important NoticeDigital Nano loans are short-term loans with high-interest rates and additional charges. It is essential to that you understand potential risk of over-indebtedness. Borrow responsibly and only take loans that you can comfortably repay within the agreed timeframe to avoid financial difficulties. Always read the terms and conditions carefully before availing any loan. Your financial well-being is our priority.
قرض لیتے وقت ہمیشہ ذمہ داری کا مظاہرہ کریں اور صرف اتنا ہی قرض حاصل کریں جو آپ کسی مالی مشکل کا شکار ہوئے بغیر آسانی کے ساتھ مقررہ مدت کے اندر اندر ادا کر سکتے ہیں۔ قرض لینے سے پہلے ہمیشہ دیئے گئے شرائط و ضوابط کو غور سے پڑھیں اور سمجھیں