Terms & Conditions
Please read these Terms & Conditions carefully before using our services.
1. Acceptance of Terms
By accessing or using the Center of Information (CIT) payment gateway services, you agree to comply with these Terms & Conditions and all applicable laws, regulations, and guidelines issued by the State Bank of Pakistan (SBP), where applicable.
2. Merchant Responsibilities
Merchants must provide accurate, complete, and up-to-date information during registration and maintain the confidentiality and security of their accounts.
Merchants are responsible for all transactions conducted through their accounts and must comply with applicable Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements.
3. Payment Processing
Transactions are processed through authorized payment service providers and partner financial institutions, including JazzCash, Easypaisa, UBL, Bank Alfalah, and HBL, where applicable.
CIT facilitates payment processing services but shall not be held responsible for delays, interruptions, or failures caused by third-party payment providers, banking systems, or circumstances beyond its reasonable control.
4. Prohibited Activities
The following activities are strictly prohibited:
- Fraudulent or unauthorized transactions.
- Money laundering or terrorist financing.
- Transactions involving illegal goods or services.
- Misuse of payment gateway services.
- Activities that violate applicable laws, SBP regulations, or partner financial institution policies.
CIT reserves the right to investigate suspicious activities and take appropriate action in accordance with applicable laws.
5. Fees & Charges
Applicable transaction fees, processing charges, and other service-related costs will be charged according to the merchant’s agreed pricing plan or service agreement.
CIT reserves the right to revise fees and charges with appropriate notification, where required.
6. Account Suspension & Termination
CIT reserves the right to suspend, restrict, or terminate merchant accounts in cases involving:
- Suspicious or fraudulent activities.
- Violations of these Terms & Conditions.
- Non-compliance with applicable regulatory requirements.
- Unauthorized use of payment processing services.
- Requests or instructions from regulatory authorities or partner financial institutions.
7. Limitation of Liability
To the extent permitted by applicable law, CIT shall not be liable for indirect, incidental, special, or consequential damages arising from the use or inability to use its payment gateway services.
8. Data Protection & Confidentiality
CIT is committed to protecting merchant and customer information through appropriate security measures.
Personal, financial, and transactional information will be handled in accordance with applicable data protection laws, regulatory requirements, and the company’s Privacy Policy.
9. Changes to Terms & Conditions
CIT reserves the right to modify or update these Terms & Conditions periodically.
Updated terms will be published on the company’s official website. Continued use of the services after the effective date of any changes constitutes acceptance of the revised terms, subject to applicable law.
10. Governing Law
These Terms & Conditions shall be governed by and interpreted in accordance with the applicable laws of Pakistan and relevant regulations issued by the State Bank of Pakistan, where applicable.
11. Contact Information
For inquiries, complaints, technical assistance, or clarification regarding these Terms & Conditions, please contact: