Terms & Conditions

Effective Date: September 11, 2026

These Terms & Conditions (“Terms”) govern your access to and use of the website, merchant onboarding services, payment integration services, transaction support and related services provided by AEGIS LIFE (SMC PRIVATE )LIMITED (“we”, “us” or “our”).

By accessing our website, submitting an application, entering into a merchant arrangement, or using our services, you agree to these Terms.

If you do not agree with these Terms, please do not use our services.

1. Our Services

AEGIS LIFE (SMC PRIVATE )LIMITED provides business and technology services intended to help eligible merchants organise and connect their payment journeys with approved local payment channels.

Our services may include:

• Merchant onboarding assistance;
• Business and documentation review;
• Payment integration coordination;
• Technical integration support;
• Transaction status visibility;
• Operational and reconciliation support;
• Merchant communication and support.

The exact services available to a merchant depend on its business profile, technical requirements, agreements and approved payment-channel configuration.

2. Payment Channels

AEGIS LIFE (SMC PRIVATE )LIMITED may support payment journeys involving third-party payment channels, including:

• Easypaisa;
• JazzCash;
• Raast;
• Other payment channels that may become available through approved arrangements.

The availability of a payment channel is not guaranteed.

Channel availability may depend on:

• Merchant eligibility;
• Business review;
• KYC or due diligence;
• Documentation;
• Technical requirements;
• Partner approval;
• Applicable policies and agreements.

Easypaisa, JazzCash and Raast are names, brands, services or payment infrastructure belonging to their respective owners. AEGIS LIFE (SMC PRIVATE )LIMITED does not represent that it owns, controls or operates those brands or payment systems.

3. Merchant Onboarding

A merchant may be required to provide information and documentation reasonably necessary for business review, compliance, technical setup and partner approval.

AEGIS LIFE (SMC PRIVATE )LIMITED may request additional information where necessary.

Submission of an application does not constitute approval.

AEGIS LIFE (SMC PRIVATE )LIMITED does not guarantee that:

• A merchant will be approved;
• A particular payment channel will be made available;
• A particular transaction volume will be achieved;
• A merchant will be approved within a particular period;
• A payment channel will remain available indefinitely.

4. Merchant Representations

The merchant represents and warrants that:

• Information provided to AEGIS LIFE (SMC PRIVATE )LIMITED is accurate and complete;
• It has authority to operate its business;
• Its business activities comply with applicable law;
• It will not use the services for unlawful, fraudulent or prohibited activities;
• It will maintain appropriate security over its systems and credentials;
• It will promptly notify AEGIS LIFE (SMC PRIVATE )LIMITED of material changes to its business or information.

5. Prohibited or Restricted Activities

AEGIS LIFE (SMC PRIVATE )LIMITED may refuse or restrict services for businesses or activities that we, our partners or applicable laws consider prohibited, restricted, high-risk or otherwise unsuitable.

Examples may include:

• Fraudulent activities;
• Money laundering or terrorist financing;
• Unlawful gambling;
• Sale of illegal goods or services;
• Counterfeit goods;
• Unauthorised financial services;
• Activities involving unlawful or deceptive practices;
• Any business prohibited by an applicable payment partner.

AEGIS LIFE (SMC PRIVATE )LIMITED may request additional documentation or conduct additional due diligence where appropriate.

6. Payment Transactions

A payment transaction may be affected by the relevant payment channel, merchant systems, customer actions, banking infrastructure, internet connectivity, technical issues or other circumstances outside AEGIS LIFE (SMC PRIVATE )LIMITED’s direct control.

Transaction statuses may include, depending on the applicable system:

• Successful;
• Pending;
• Failed;
• Reversed;
• Cancelled;
• Refunded.

A transaction reference or status displayed through a AEGIS LIFE (SMC PRIVATE )LIMITED system should not be interpreted as a guarantee of final settlement unless the relevant payment or settlement process has been completed.

7. Transaction Records and Reconciliation

Merchants are responsible for maintaining appropriate transaction records and promptly reviewing transaction information.

AEGIS LIFE (SMC PRIVATE )LIMITED may assist with transaction status enquiries and reconciliation where such information is available through the relevant integration.

Where transaction information differs between systems, the relevant payment channel or financial institution’s records may be required to determine the final status.

8. Fees

Any fees, commissions, service charges or other commercial terms applicable to a merchant will be communicated through the relevant commercial arrangement, proposal, order, agreement or other written communication.

Unless expressly agreed otherwise, third-party charges imposed by payment providers, banks, financial institutions or other service providers may be outside AEGIS LIFE (SMC PRIVATE )LIMITED’s control.

9. Technical Integration

Merchants are responsible for providing an appropriate technical environment and cooperating with AEGIS LIFE (SMC PRIVATE )LIMITED during integration and testing.

The merchant must:

• Follow applicable integration instructions;
• Protect API keys, credentials and authentication information;
• Maintain appropriate security controls;
• Notify AEGIS LIFE (SMC PRIVATE )LIMITED of material technical issues;
• Avoid unauthorised modification of payment-related systems.

AEGIS LIFE (SMC PRIVATE )LIMITED may suspend technical access where security concerns, misuse or material risk is identified.

10. Service Availability

We aim to provide reliable services but do not guarantee uninterrupted or error-free operation.

Services may be temporarily unavailable because of:

• Scheduled maintenance;
• Emergency maintenance;
• Network failures;
• Third-party service outages;
• Payment-channel downtime;
• Banking-system issues;
• Internet or telecommunications failures;
• Security incidents;
• Events outside our reasonable control.

11. Suspension and Termination

AEGIS LIFE (SMC PRIVATE )LIMITED may suspend or terminate access to services where reasonably necessary, including where:

• A merchant violates these Terms;
• Information provided is false or misleading;
• Required documentation is not provided;
• Fraud or suspicious activity is identified;
• A payment partner withdraws or restricts access;
• Continued service presents legal, regulatory, security or commercial risk.

Where reasonably practicable, AEGIS LIFE (SMC PRIVATE )LIMITED may provide notice before suspension or termination.

12. Intellectual Property

All content on the AEGIS LIFE (SMC PRIVATE )LIMITED website, including text, graphics, designs, software, branding and other materials owned by AEGIS LIFE (SMC PRIVATE )LIMITED, is protected by applicable intellectual-property laws.

No content may be copied, reproduced, modified, distributed or commercially exploited without appropriate permission.

Third-party trademarks and logos remain the property of their respective owners.

13. Third-Party Services

AEGIS LIFE (SMC PRIVATE )LIMITED may rely on third-party payment channels, financial institutions, technology providers and other service providers.

AEGIS LIFE (SMC PRIVATE )LIMITED is not responsible for matters exclusively controlled by those third parties, including their systems, policies, availability, approval decisions, fees or service interruptions.

14. Limitation of Liability

To the extent permitted by applicable law, AEGIS LIFE (SMC PRIVATE )LIMITED will not be liable for indirect, incidental, special or consequential losses arising from:

• Third-party payment-channel outages;
• Banking-system failures;
• Internet or telecommunications failures;
• Merchant system failures;
• Customer actions;
• Fraud or unauthorised activity outside AEGIS LIFE (SMC PRIVATE )LIMITED’s reasonable control;
• Delays caused by third-party providers;
• Rejection or suspension of merchant approval by a payment partner.

Nothing in these Terms excludes liability that cannot lawfully be excluded or limited.

15. Indemnification

To the extent permitted by applicable law, a merchant agrees to indemnify and hold AEGIS LIFE (SMC PRIVATE )LIMITED harmless from claims, losses, liabilities, costs or expenses arising from:

• The merchant’s unlawful activities;
• Breach of these Terms;
• False or misleading information;
• Misuse of payment services;
• Violation of third-party rights;
• Customer claims arising from the merchant’s goods or services.

16. Force Majeure

AEGIS LIFE (SMC PRIVATE )LIMITED will not be responsible for failure or delay caused by circumstances beyond its reasonable control, including natural disasters, war, civil disturbance, government actions, infrastructure failures, telecommunications failures, cyber incidents, widespread service outages or other force majeure events.

17. Changes to These Terms

We may update these Terms from time to time.

Updated Terms will become effective when published on our website unless otherwise stated.

Continued use of our services after an update constitutes acceptance of the revised Terms, subject to applicable law.

18. Governing Law and Jurisdiction

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

Subject to any mandatory legal requirements or contractual dispute-resolution provisions, disputes relating to these Terms shall be subject to the jurisdiction of the competent courts of Islamabad, Pakistan.

19. Contact

AEGIS LIFE (SMC PRIVATE )LIMITED
No. 312, Third Floor, Lords Trade Center, F-11

Phone: 03255879363
Email: mosinsaeedcompany537@gmail.com

By accessing or using AEGIS LIFE (SMC PRIVATE )LIMITED services, you acknowledge that you have read, understood and agreed to these Terms & Conditions.