WhatsApp Online Service

By using UBLFM WhatsApp Self-Service channel, you agree to UBLFM’s Terms & Conditions and Privacy Policy. This is necessary for you to use the messenger platform. UBLFM’s WhatsApp Self-Service Channel’s use of your personal data is governed by its own privacy policy as per below link.



Service(s) means services, either customized or otherwise, provided by UBLFM , its Partner(s), Services Provider(s), its Associate(ies) and Subsidiary (ies) , and WhatsApp Self-Service Channel, from time to time, within the Territory of Pakistan, AJ&K and Gilgit Baltistan (“Territory”) and outside Pakistan (initially for cellular numbers issued in the Territory).

Privacy Notice

When you use UBLFM WhatsApp Self-Service Channel, UBLFM needs your personal information to provide its services. You are responsible for providing and maintaining accurate and updated personal information, and for safeguarding your account information. We understand you have authorized UBLFM to verify and authenticate your personal information, at any time. UBLFM will not be liable for any loss or damage arising from your failure to comply with the requirements of UBLFM, its Partners and Service Providers. For more information or queries you can submit your complaints through UBLFM WhatsApp Self-Service or visit UBLFM website i.e. www.ublfunds.com. https://www.ublfunds.com.pk/get-in-touch/feedback-complaints/If you handover a device with the UBLFM WhatsApp Self-Service Channel installed to another individual, you should reset/lock/deactivate the device before doing so. If devices with UBLFM WhatsApp Self-Service Channel installed are lost or stolen, you should immediately inform the relevant authority(ies).



We endeavour to maintain high standards of security. We expect that you will not share your phone, connected via any network, let anyone else access your phone/devices, or do anything else that might jeopardise the security of your connection. You are reminded to use your mobile devices safely.


Third Party Services

We do not endorse any third party services. Third party providers of websites and applications (including WhatsApp) accessed by you through the Service are accessed at your own risk, and we have no liability for third party services. If third party websites or applications (including WhatsApp) cause any problems or harm, you should seek redressal directly from the third party provider of those services. We have no responsibility in such matters and cannot assist. Third party providers of websites or applications (including WhatsApp) that you access through any network/ mobile phone number may have their own terms and conditions. It is your responsibility to read and adhere to such terms and conditions.

Entire Agreement

These Terms & Conditions are the entire agreement between us and you regarding use of UBLFM’s WhatsApp Self-Service Channel and related services (excluding any services for which you have a separate agreement with us).

By using the UBLFM service you agree to these Terms. We may update these Terms at any time without notice as we deem necessary.

General Terms


These General Terms apply generally to the use of any or all of UBLFM services via/through UBLFM WhatsApp Self-Service Channel (the “Service”). Our Service is diverse, so additional service specific terms (“Service Specific Terms”) may apply.

UBLFM may engage or otherwise cooperate with affiliates, suppliers, partners and other third parties in connection with the Service, and, where applicable, “UBLFM” or “we” shall also be understood as a reference to such third parties.

By using the Service you agree to these Terms of Use, General Terms and any Service Specific Terms and the Privacy Statement (collectively referred to as “Terms”).

The Service

UBLFM’s Service consists of digital products and/or services distributed over the Internet to individual customers for private use. The Services are accessible at our websites (the “Website”) and Smart Savings Mobile App, for certain Services on your own device(s) after you have installed it.

Privacy and Personal Data

In connection with the provision of the Service, UBLFM will collect and process personal data about you and your use of the Service. UBLFM’s privacy policy as amended from time to time is available below on this page. You understand that by using the Service you consent to the collection, use and disclosure of your Personally Identifiable Information (PII) and aggregated data as set forth in the UBLFM’s Customer Privacy Policy (https://www.UBLFMbl.com/privacy-statement/).

By using our Service, you agree that UBLFM can use your personal data in accordance with our Privacy Statement and as otherwise set out in any applicable Service Specific Terms and provide consent of your personal data that maybe transferred outside your home territory.

User Content and Submissions

UBLFM’s services and/or WhatsApp Self-Service Channel may allow you to submit, post or display content, such as information, data, text, software, music, sound, photographs, graphics, videos, advertisements, messages or other materials (“User Content”). You are solely responsible for such content. UBLFM may review and remove any User Content that, in its sole judgment, violates the Terms, applicable laws, or generally accepted practices or guidelines in the Jurisdiction.

Prohibited User Content under the Terms includes, without limitation, content which: is offensive, such as User Content that engages in, endorses or promotes racism, bigotry, discrimination, hatred, harassment or physical harm of any kind against any group or individual;

involves the transmission of “junk mail”, “chain letters” or unsolicited mass mailing, “spamming” or “phishing”; promotes or endorses false or misleading information or illegal activities or conduct that is abusive, threatening, obscene, defamatory or libellous, promotes or endorses an illegal or unauthorised copy of another person’s copyrighted work; contains restricted or password only access pages or hidden pages or images; displays or links to pornographic, sexually explicit or any other indecent material; solicits passwords or personal data from other users; or violates the rights of or harms or threatens the safety of other users or the Service.

Warranties and Disclaimers

UBLFM warrants that it will perform in a professional manner in accordance with prevailing industry standards and make reasonable efforts to keep the required service operational.

The Service is provided “as is”. You acknowledge that the Service is not error-free. UBLFM  makes no warranties, expressed or implied, with respect to the availability, merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, performance and quality of service of UBLFM ’s WhatsApp Self-Service  Channel or otherwise.

Intellectual Property

The Services offered by UBLFM (other than WhatsApp platform and its exclusive property) and the content on UBLFM’s website including its name, design, logo, patents, trademarks and other components is the property of UBLFM. Any infringement will be dealt with in accordance with the Laws of Pakistan.


UBLFM (including, but not limited to, its shareholders, executives, officers, affiliated companies, partners and their contractors, officers, directors and employees) shall not be liable for any damages, whether arising under law, contract, warranty, indemnification, tort or otherwise, including, without limitation, incidental and consequential damages, loss of profits or business opportunities, or damages resulting from loss of data or loss of access to the services or otherwise.


You agree to indemnify, defend and hold harmless UBLFM  (including, but not limited to, its shareholders, executives, officers, affiliated companies, partners and their contractors, officers, directors and employees) from all claims, liabilities and expenses (including attorney’s fees) that arise from your misuse of services in breach of the Terms or applicable laws.

UBLFM reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. You shall cooperate in good faith with UBLFM in asserting any available defenses.

Force majeure

Force Majeure means any circumstances beyond the reasonable control of either party, including, without limitation, Acts of God (e.g. floods or earthquake etc.), war, pandemic, fire, explosion, strikes or other labour disputes, riots or other civil disturbances, voluntary or involuntary compliance with any law, order regulation, recommendation or request of any governmental authority, and errors or downtime in networks, power supply, gateway or similar failures of communication. Neither party will have any liability, other than for the payment of money owing, for their wilful failure to perform any of their contractual obligations arising out of or in connection with events of force majeure.


UBLFM WhatsApp Self-Service Channel may be deactivated anytime through your personal account settings on WhatsApp.

UBLFM  may stop providing service to you, or add limits to your service, if you act in breach of these Terms or applicable laws, your right to use service and access its content will in any event immediately, without notice, terminate without refund of any fees.


We may also update or otherwise amend these Terms, for instance to reflect changes to the Service or changes to the law.

We will publish any amended Terms & Conditions on our website and send a notice through sms or WhatsApp with the link. Your continued use of UBLFM’s service after such publication or notification will be considered as an acceptance of the amended Terms & Conditions. We encourage you to check your sms and the website regularly. If you do not agree to the amendments, you should discontinue your use of the Service.

Partial Invalidity

If any provision of the Terms is declared invalid or unenforceable by a court or other binding authority, the remaining terms (or parts), conditions and provisions shall continue to be valid and enforceable to the fullest extent permitted by law

Language versions

Any translations of these Terms from English into another language are made solely for your convenience. In the event of discrepancies between different language versions, the English version shall prevail.

Governing Law and Dispute Resolution

The Terms shall be governed by and interpreted in accordance with applicable Laws of Pakistan. Any dispute, controversy or claim arising out of or in connection with these Terms shall be subject to the jurisdiction of the Pakistani courts at Karachi as the legal venue.



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