GENERAL TERMS AND CONDITIONS

  1. General

  1. These terms of use ("Terms") apply when Panoptic Solutions Private Limited, Org No.0109009, Pakistan ("MeraID Group") provides an electronic identification service via the MeraID mobile application ("Service"). MeraID is the electronic equivalent to a regular, physical proof of identity. The purpose of the Service is for the User of the Service ("User") to be able to provide proof of identity and electronic signatures.
  2. The Terms only govern the relationship between MeraID Group and the User. The dealings between the User and the party who is relying on electronic identification via MeraID, in other words the party whose service the User obtains using MeraID, ("Relying Party") are not governed by these Terms. Each Relying Party decides for themselves to what extent MeraID can be used with their service.
  3. The User’s personal data is handled in accordance with MeraID Group's Privacy Policy.

  1. Conditions for Becoming a User

  1. In order to use the Service, the User must have a valid ID card from NADRA, as well as accept the Terms of Use. 
  2. To use MeraID, in addition to what is specified in 2.1, the user must be registered with NADRA and hold a valid and approved form of identification.

  1. Registration

  1. In order to use the Service, the User must create an account (registration). The registration requires a valid mobile phone number and a personal six-digit ID code.

  1. Service

  1. The Service consists of the User being able to provide identification via the MeraID mobile application, which can be used for secure login and providing digital signatures for Relying Parties that are associated with the Service.
  2. The functions that are provided by the Service may vary from time to time. The functions allow the User to identify themselves, receive relevant information about the Service and check what MeraID has been used for.
  3. In order for the Service to be used, it must be installed on a mobile phone, tablet or similar device which is connected to the Internet.
  4. See MeraID Group's website [www.meraid.pk] for current technical requirements that must be met in order for the User to have access to the Service and the Service’s proper functioning. In order for the Service to function, the User must have all the necessary and correct settings on their mobile telephone, tablet or similar device.
  5. The User is responsible for downloading the mobile application and registering an account with MeraID Group. MeraID Group is not responsible for errors in the Service caused by problems with Internet or other communication networks over which the Service is delivered. MeraID Group is not responsible for errors in the Service that are due to errors on the part of the Relying Parties.
  6. Use of the Service is free of charge. Traffic fees from your mobile phone operator or Internet provider may apply.
  7. MeraID Group may also offer new functions in the Service. These new functions may be subject to special conditions. If the User wants to activate a new function, the User must approve any specific terms and conditions that apply to each function.
  8. The User is responsible for all obligations arising from MeraID being used with a Relying Party. The User is not responsible for obligations that arise after the User has requested blocking of their MeraID, in a manner that is instructed by MeraID Group.

  1. Obligations of MeraID Group

  1. MeraID Group is responsible for verifying the information that is transmitted to MeraID application. The inspection is performed by verification against an independent source or issuer.
  2. MeraID Group shall provide procedures for blocking a MeraID account. MeraID Group shall immediately block a MeraID account upon the User's request.
  3. A request to block a MeraID account can be submitted to MeraID Group over email blockmyaccount@meraid.pk.

  1. Obligations of the User

  1. A MeraID is personal and should not be used by anyone other than the User. A MeraID should be considered a document of value and should therefore be stored and treated securely.
  2. The User is responsible for setting a secure PIN code (during account registration), and for taking all necessary steps to keep the PIN code confidential. The User may not i) register false information to the Service, ii) use information from a third party without their permission or iii) allow a third party to use their account or provide access to the Service.
  3. The User is responsible for all usage of the Service and for ensuring that login information is protected against unauthorized access. The User is also responsible for protecting their mobile telephone, tablet or similar device against unauthorized use and is responsible for the risks associated with unauthorized use of the Service.
  4. If the User detects that a third party has obtained access to their PIN code or in the event of a loss of a mobile device on which MeraID is installed, the User must immediately request that MeraID Group block the MeraID account (5.3).
  5. The User is responsible for learning about MeraID’s general functions and how usage of MeraID ties the User to actions taken within the mobile application.

  1. Permitted Usage

  1. The Service, including all functions, data and information, is protected by copyright. The User is granted a non-exclusive, non-licensable and royalty-free right to use the Service for the sole purposes indicated in the Terms and Conditions and in accordance with applicable law. The Service can only be used on one device at the time, that is in the control of the user.
  2. It is prohibited to copy, modify, distribute or publish the content that is provided by MeraID Group. However, customers are permitted to download, copy and save information from MeraID for their own personal use. Improperly taking advantage of offers or otherwise misusing the Service is also prohibited.
  3. The User may not use or allow another person to use the Service for illegal or prohibited purposes.
  4. MeraID Group owns the right to recall or block a MeraID account if the User violates these Terms or if MeraID Group has reasonable grounds to assume that their MeraID account will be used contrary to these Terms.
  5. MeraID Group retains the right to block a MeraID account without notifying the User in advance, if MeraID Group assesses that there is a sufficient security risk to require it.

  1. Software Updates

  1. The Service can only provide full functionality if the updates that MeraID Group provides are installed promptly. MeraID Group is not responsible for errors in the Service and damages that arise due to failure to download and/or fully install the updates provided.

  1. Errors or Defects

  1. In the event of errors or defects in Services, the User must contact MeraID Group for a remedy, (see MeraID Group's www.meraid.pk for contact information for service advice).

  1. Force Majeure

  1. MeraID Group is not responsible for any delay or losses due to circumstances over which MeraID Group or MeraID Group’s subcontractors have no control over and that severely impair fulfillment of the obligation in question or which result in fulfillment of the obligation being economically indefensible.

  1. Breaches of Agreement and Responsibility

  1. MeraID Group retains the right to block a User at any time and close their account if the User breaches these Terms or otherwise uses the Service in a way that can cause damage to MeraID Group or a third party. The User shall then cease all use of the Service and remove MeraID from devices where it is installed. The User will then not be able to use the MeraID for identification.
  2. MeraID Group carries no responsibility for damage, including consequential damages, in cases where the Service is not functioning properly due to i) incorrect installation or use according to section 4 and/or 7, ii) improper use of the Service or iii) action or omission by a third party for which MeraID Group is not responsible for (e.g. errors or defects in the Internet connection or errors on the part of the Relying Party).
  3. MeraID Group is not responsible for damages caused by MeraID Group having blocked a MeraID account for wrong reasons, on the assumption that MeraID Group had reasonable grounds to assume that there was a basis for blocking the MeraID at the time.
  4. MeraID Group is not responsible for providing compensation for commercial losses.

  1. Changes to the Terms or Service

  1. MeraID Group retains the right to modify the Service or the Terms, or cease providing the Service. MeraID Group shall notify the User in the event of significant changes to the Terms. This is primarily done via www.meraid.pk. If the User does not approve the modified terms, the User has the right to cancel their agreement with MeraID Group effective immediately.
  2. If a change in the Terms is necessary due to a law, ordinance, government regulation or similar reason, MeraID Group may let a change in the Terms take immediate effect.

  1. Closing an Account

  1. The User can close their account and cancel the use of the Service at any time. The User can close their account according to the instructions provided by MeraID Group on the support page of www.meraid.pk.

  1. Applicable Law and Resolution of Disputes

  1. These Terms do not limit the User’s rights as a consumer according to mandatory consumer legislation.
  2. In the event of a dispute between MeraID Group and a User, the parties must first try to resolve the dispute through mutual agreement.
  3. If the parties cannot agree, disputes concerning consumers may be settled by the authority that decides disputes between consumers and companies, in the country where you have registered MeraID.
  4. Disputes on account of the Terms or use of the Service must be resolved according to Pakistan law and by Pakistan courts unless otherwise stated in this agreement.

  1. Miscellaneous

  1. Furthermore, MeraID Group is entitled to use subcontractors to fulfil its obligations.