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Pak-Qatar Takaful Group hereby authorizes any person to access this Website for informational purposes only. Pak-Qatar Takaful Group reserves the right to terminate access to this Website at any time without notice. The data, information and material included in this Website are copyrighted by Pak-Qatar Takaful Group. All rights are reserved under the copyright laws of Islamic Republic of Pakistan. No part of this Website can be redistributed, copied or reproduced without the prior written consent of Pak-Qatar Takaful Group.

The user of this Website assumes all responsibility and risk for the use of this Website and the Internet generally. Pak-Qatar Takaful Group and its affiliated companies disclaim all warranties, representations or endorsements, expressed or implied, with regard to the data, information and material included in, or accessible from, this Website or the Internet, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose or non-infringement. Pak-Qatar Takaful Group and its affiliated companies have the right to discontinue, change or update any data, information or material included in the Website without prior notice, and they do not assume any legal liability or responsibility for the accuracy, completeness or usefulness of any data, information or material included in, or accessible from, this Website. No advice or information given by Pak-Qatar Takaful Group or its affiliated companies shall create any warranty. Neither Pak-Qatar Takaful Group nor its affiliated companies warrants that the data, information and material included in the Website or on the Internet will be uninterruptible or error free or that any data, information, software or other material accessible from this Website is free of viruses or other harmful components. Several of our pages describe various insurance products. The availability of a specific product may differ from state to state. The product descriptions are general in nature and the insurance coverage’s are subject to the specific terms of the actual policies issued. If you are interested in the terms and conditions of a specific product, please contact us for additional information.

In no event shall Pak-Qatar Takaful Group or its affiliated companies be liable for any compensatory, special, direct, incidental, indirect, or consequential damages, exemplary damages or any damages whatsoever resulting from loss of use, data, information or profits arising out of or in connection with the use or performance of the data, information or material included in this Website or on the Internet generally or on any other basis.

Although this site includes links providing direct access to other Internet sites, Pak-Qatar Takaful Group and its affiliated companies take no responsibility for the content or information contained on those other sites, and does not exert any editorial or other control over those other sites.

Pak-Qatar Takaful Group will not be deemed to have accepted any electronic communication unless Pak-Qatar Takaful Group provides the sender of the electronic communication with an acknowledgment verifying receipt of the communication. If Pak-Qatar Takaful Group sends any electronic communication, Pak-Qatar Takaful Group will assume the communication was received intact by the intended recipient. The recipient of such message must notify Pak-Qatar Takaful Group if the transmission was not received or was not received in a readable format.

Despite the security measures taken by Pak-Qatar Takaful Group, there is an inherent risk in disclosing personal information over the Internet. Anyone electronically transmitting personal information assumes the risk that such information may be disclosed or intercepted by unintended third parties and Pak-Qatar Takaful Group disclaims all liability resulting from such interception or disclosure. Anyone who wishes to apply for an insurance quote who is concerned about maintaining the security of their personal information may mail the information to Pak-Qatar Takaful Group.

Pak-Qatar Takaful Group is committed to protecting your privacy as a visitor to this Website and as our customer. To our visitors and to our customers, we offer this pledge:

Pak-Qatar Takaful Group is the owner of the information, which is collected on this Website. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.

We will ask you to provide your personal information to us when you enroll for coverage and when you purchase Takaful policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from this Website. When you enroll for a Takaful policy at Pak-Qatar Takaful Group, we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the Takaful Company when you ink a Takaful policy so they can establish you as a policyholder. We will maintain a record of your information at the offices of Pak-Qatar Takaful Group so we can provide you with policyholder service. The employees of Pak-Qatar Takaful Group are each required to sign and acknowledge a Confidentiality and Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer's personal information.

When you send us e-mail from this Website, you will provide us with certain personally identifiable information including your e-mail address.

This Website may contain links to third party Websites that are not controlled by Pak-Qatar Takaful Group. These third party links are made available to you as a convenience and you agree to use these links at your own risk.

Please be aware that Pak-Qatar Takaful Group is not responsible for the content of third party Websites linked to Pak-Qatar Takaful Group nor we are responsible for the privacy policy or practices of third party Websites linked to Pak-Qatar Takaful Group. Our Privacy Policy only applies to information we collect from you while you are at and while you are actively in a session with Pak-Qatar Takaful Group. If you should link to a third party Website from Pak-Qatar Takaful Group, we strongly encourage you to review and become familiar with that Website's privacy policy.

We reserve the right to change this Privacy Policy without providing you with advance notice of our intent to make the changes. If you have any questions about our privacy policy, please feel free to contact us.

Pak-Qatar Takaful Group logo, and other marks, including the names of various products and services described within and offered by companies represented by Pak-Qatar Takaful Group and its subsidiaries are service marks of these companies.

Permission to use, copy and distribute these materials without fee is hereby granted, for non-commercial purposes, provided that the material is unaltered and Pak-Qatar Takaful Group copyright notice appears in all copies.

Use of this site shall be governed by and construed in accordance with the laws of Pakistan, without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in our state of business.

Should any provision of our terms and conditions be held invalid, unlawful or for any reason unenforceable, then the i