Zareea is a payment experience and connectivity platform that connects customers, merchants, and participating financial institutions.

Zareea is operated by ZAREEA SYSTEMS (PRIVATE) LIMITED, a company registered in Pakistan, with its registered office in Lahore, Pakistan.

Zareea provides the technology and payment experience that connects customers, merchants, banks, digital wallets, financial institutions, and applicable payment infrastructure.

Zareea is not a bank, digital bank, deposit-taking institution, traditional stored-value wallet, replacement for your bank, or custodian of customer funds. Your money remains with the applicable participating financial institution.

By accessing the Zareea website, creating an account, using the Zareea application, or using any Zareea service, you acknowledge that you have read, understood, and agreed to these Terms & Security provisions. If you do not agree with these terms, please do not use Zareea.

You may use Zareea only if you meet the applicable eligibility requirements. Certain services may require identity verification, account verification, business verification, or other information.

You are responsible for ensuring that the information you provide is accurate, complete, and up to date, and for protecting access to your Zareea account.

Every Zareea customer is assigned a unique 6-character Zareea ID. The format is [3 characters that can be letters or numbers]-[3 digits], e.g., ABC-123.

Your Zareea ID identifies your Zareea payment destination. It is not a password, PIN, OTP, or authentication code. Knowing your Zareea ID does not authorize a payment.

You may provide your Zareea ID to merchants when you want them to send you a payment request. Sharing your Zareea ID does not provide access to your bank or wallet.

When a merchant enters a customer's Zareea ID, Zareea may display the customer's name before the payment request is sent, allowing the merchant to verify the intended recipient.

Where available, customers may be permitted to change their Zareea ID, subject to availability, uniqueness, verification, and security checks.

Customers may connect eligible participating financial accounts to their Zareea account, including bank accounts, digital wallets, and other participating financial accounts.

Zareea does not maintain a monetary balance for you. Your funds remain with the applicable bank, wallet, or financial institution.

Where supported, you may select a preferred or default participating financial account. A default account is provided for convenience and does not automatically authorize a payment.

A merchant can create a payment request by entering the customer's Zareea ID, payment amount, and payment description. The merchant does not need to know which bank or wallet the customer intends to use.

Customers should carefully review the merchant, amount, description, date, and time before proceeding. If you do not recognize a payment request, reject it and report suspicious activity.

When you choose to proceed with a payment request, Zareea may display the participating financial accounts connected to your account. You choose the participating account you want to use.

After selecting a participating financial account, you may be directed to the applicable financial institution's secure authentication or payment environment.

Zareea does not require customers to provide their bank PIN or OTP to merchants.

After the customer completes the required authentication and authorization, the applicable financial institution and payment infrastructure process the transaction.

Once the applicable payment status is received, Zareea may display a payment confirmation.

A payment may have different statuses: Successful, Pending, Failed, or Cancelled. The exact status and available actions may depend on the applicable financial institution and payment infrastructure.

Zareea may provide customers with transaction history to help them review their payment activity.

After a successful transaction, Zareea may provide a digital receipt. A Zareea receipt is a record of the Zareea payment experience and does not necessarily replace the official transaction record.

Zareea's security approach is based on separating responsibilities between the participants involved in a payment, keeping sensitive financial authentication within the financial institution environment.

Your financial credentials are private. Do not share your bank PIN, wallet PIN, OTP, password, authentication code, card security information, or other confidential financial credentials with merchants, Zareea users, or anyone claiming to assist with a payment.

Zareea is designed to reduce unnecessary exposure of sensitive financial information. Information is handled according to Zareea's applicable Privacy Policy and relevant legal and regulatory requirements.

You are responsible for protecting access to your Zareea account. Use strong credentials, never share your password or authentication codes, and review every payment request carefully.

Zareea may use technical and operational controls to detect, prevent, and investigate fraudulent or suspicious activity.

If you receive a payment request that you do not recognize, do not proceed. Reject it and report suspicious activity through Zareea's official support channel.

If you believe a payment was made without your authorization, contact Zareea and the relevant financial institution as soon as possible.

Merchants using Zareea must provide accurate business information, enter correct Zareea IDs, verify displayed customer names, enter correct amounts and descriptions, use Zareea only for legitimate transactions, protect account credentials, never request customer PINs or OTPs, and comply with applicable laws and regulations.

Customers are responsible for providing accurate account information, protecting their Zareea account and Zareea ID, reviewing payment requests, verifying merchant information, completing authentication through the appropriate financial institution, and reporting suspicious activity.

Zareea may connect with participating banks, digital wallets, financial institutions, payment service providers, and other applicable financial services. Each participating institution may have its own terms, privacy policy, fees, transaction limits, authentication requirements, security procedures, and availability.

Zareea may rely on third-party services and infrastructure necessary to provide its Services.

Zareea aims to provide a reliable and accessible payment experience. However, uninterrupted availability cannot be guaranteed. A payment request being created does not guarantee that the underlying payment will successfully complete.

Zareea may implement technical, administrative, and operational measures designed to protect its platform and users, including encryption, secure authentication, access controls, security monitoring, and fraud detection.

Zareea aims to limit the exposure of sensitive financial information within the payment experience.

Security is a shared responsibility between Zareea, customers, merchants, financial institutions, and payment infrastructure.

If you discover a potential security vulnerability, please report it to security@zareea.com. Please do not publicly disclose an unresolved vulnerability before Zareea has had a reasonable opportunity to investigate and address it.

You may not use Zareea to commit fraud, impersonate another person or business, provide false information, create fraudulent payment requests, attempt unauthorized access to another account, attempt to obtain another person's financial credentials, circumvent security controls, interfere with Zareea systems, or use Zareea for activities prohibited by applicable law.

The Zareea name, logo, brand identity, website, application, interface, software, graphics, designs, content, and related materials are owned by or licensed to Zareea. You may not reproduce, copy, modify, distribute, sell, or commercially exploit Zareea intellectual property without appropriate authorization.

Zareea may suspend, restrict, or terminate access to an account or Service where reasonably necessary, including when these Terms are violated, fraud or abuse is suspected, or legal or regulatory requirements require action.

Zareea may update, modify, add, suspend, or discontinue features or Services from time to time. Where a change materially affects your use of Zareea, appropriate notice may be provided where required.

Zareea may update these Terms & Security provisions from time to time. The latest version will be made available through the Zareea website or application.

Zareea operates within the applicable legal and regulatory framework governing its Services. Nothing on this website should be interpreted as representing that Zareea is itself a bank, deposit-taking institution, or financial institution.

These Terms & Security provisions shall be interpreted in accordance with the applicable laws of Pakistan.

Zareea provides the payment experience and connectivity layer. Zareea cannot guarantee that every payment request will result in a successful transaction.

No website, application, network, device, or digital payment system can guarantee absolute security. Customers and merchants should remain vigilant and follow recommended security practices.

For questions about these Terms & Security provisions, please contact Zareea through our official channels.

Zareea is built around a simple principle: Zareea connects the payment experience. You choose where to pay from. Your financial institution handles authentication and authorization.