Terms of Use

Terms and Conditions for use of Online Service and Website


Please read the following Terms and Conditions and Privacy Policy before using the online service or this website.

These Terms and Conditions govern the use of the website of Soneri Bank Limited (SNBL).  By using this website, you accept these Terms and Conditions.  If you do not accept them, please do not access this website and do not use the online services.

Nothing on this webpage, or webpages of any subsidiary or affiliate of SNBL, should be construed as an offer to sell any product or solicitation of an offer to purchase any product but should be treated only as information about our available product.

Company Details

 Soneri Bank Limited a banking company duly incorporated in Pakistan under the Companies Ordinance 1984 and is also duly licensed by State Bank of Pakistan to carry on banking business.


This website is maintained and controlled by SNBL and it makes no representation that material and information displayed hereon is either appropriate or available or suitable for use in other locations and jurisdictions outside Pakistan. Any one, accessing this website from outside Pakistan or making use of it for any purpose outside Pakistan, should make his own inquiries about suitability of the information contained herein for his purpose.  These Terms and Conditions are governed by Pakistan law and any dispute arising out of use of this website shall be subject to the non-exclusive jurisdiction of courts in Pakistan.

Please note that a transaction outside Pakistan with SNBL, or any of its subsidiaries or affiliates, may not be protected by the Regulations or control by the authorities in Pakistan.  It will be your responsibility to check and identify the appropriate regulatory authority for any business with SNBL and ensure that such business qualifies for protection in the country from or for which such business is initiated.

The distribution of material on this website may be restricted by law in some countries and it is your responsibility to find out what restrictions will apply to you and make sure that they are observed.

Products and Services

This website and the information contained herein about any of our products should not be regarded as an offer from us or solicitation for offer from you, invitation, advice or our recommendation to buy or sell investments, securities or any other instrument or Banking product of SNBL or any other issuer of product included on our website or for any transaction with us or any of our subsidiaries or affiliates.  Use of the website or services included on this website may not be permitted in some countries and, if in doubt, you should check with your local authorities and seek further information before undertaking any transaction included on this website.  This website shall not constitute any assurance on the part of  SNBL to provide such products or services to persons or entities resident in countries where local laws or regulations do not permit their sale or use.  SNBL reserves the right to withdraw any product or service included on this website at any time and this website shall not constitute any assurance from SNBL that the products and services included hereon are or will be available at any time.  All the services and products included hereon may not be available at all times in all locations. 


SNBL makes no representation or warranty of any kind, express, implied or statutory regarding this web site or the materials and information contained or referred to on each page associated with this web site. The material and information contained on this web site is provided for general information only and should not be used as a basis for making any business decisions. Any advice or information received via this web site should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate.

Geographic, political, economic, statistical, financial and exchange rate data is presented in certain cases in approximate or summary or simplified form and may change over time. Reliance has been placed by the editors on certain external statistical data which, though believed to be correct, may not in fact be accurate. SNBL accepts no liability for any loss or damage arising directly or indirectly from action taken, or not taken, in reliance on material or information contained on this web site. In particular, no warranty is given that economic reporting information material or data is accurate reliable or up to date.

SNBL accepts no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from your use of this web site, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, imperfection, fault, mistake or inaccuracy with this web site, its contents or associated services, or due to any unavailability of the web site or any part thereof or any contents or associated services.

Please note that any software downloaded from this web site is at your own risk and SNBL neither assumes nor accepts liability for any loss or damage, (whether direct or indirect), howsoever caused, as a result of any computer viruses, Trojan horses, worms, software bombs or similar items or processes arising from your use of this web site.

Any hyperlinks from this web site exist for information purposes and are for your convenience only and SNBL accepts no liability for any loss or damage arising directly or indirectly (including consequential loss) from the accuracy or otherwise of materials or information contained on the pages of such sites or loss arising directly or indirectly from defects with such sites. SNBL inclusion of hyperlinks does not imply any endorsement by SNBL of the accuracy, or suitability of the material on such sites.

SNBL does not guarantee that any e-mails from the web site will be sent to you or received by SNBL nor does SNBL warrant the privacy and/or security of such e-mails during internet transmission.


Use and Disclosure of Personal Information

Unless restricted by applicable law, you agree that any and all personal information/data relating to you collected by SNBL from this web site from time to time may be used and disclosed for such purposes and to such persons as may be in accordance with SNBL’s current privacy policy.

A copy of SNBL’s current privacy policy may be accessed by clicking here.


You hereby agree to indemnify and to keep SNBL fully and effectively indemnified against any action, liability, cost, claim, loss, damage, proceeding or expense (including legal fees, costs and expenses on a full indemnity basis) suffered or incurred by SNBL arising from or which is directly or indirectly related to

  • your access to and/or use of SNBL’s web site and/or any other person or entity’s use of this service or web site where such person or entity was able to access the service or web site using your user id and/or password; or
  • any breach or non-observance of any of these terms and conditions by you or by any other person or entity where such person or entity was able to access and/or use the internet Banking service or web site by using your user id and login password.
  • any transaction undertaken by SNBL or any of its subsidiaries or affiliates, by relying your instructions provided by use of our on line services or on this web site and by using your on line services and accessing your website, I/we hereby irrevocably authorize you to debit my/our account for all such transactions.


SNBL may terminate this agreement, your access to this web site and use by you  of its internet/on line  Banking service at any time, with or without cause or notice.


SNBL reserves the right in its absolute and unfettered discretion to change without prior warning or notice any information or material contained on this web site and the terms and conditions under which this web site or on line services are used.

Intellectual property rights

All contents of this web site including, but not limited to, the text, graphics, links and sounds are the copyright of SNBL and may not be copied, downloaded, distributed or published in any way without the prior written consent of SNBL.

Soneri Bank is registered trade and service marks of SNBL and  no permission or license is granted to  any one to use any such trade or service marks without the prior written consent of SNBL. All other marks names and logos used on this web site (unless otherwise stated) are the intellectual property rights held by companies within the SNBL Group.

In relation to any information or materials which you submit to SNBL using this web site, or on line services, you hereby grant to SNBL a worldwide royalty-free perpetual license of the copyright and intellectual property rights to such information or materials for any purpose it deems fit including, without limitation, the copying, transmission, distribution and publication thereof, unless restricted by applicable law.

You agree that SNBL shall not be under any obligation of confidentiality to you regarding any such information or materials submitted to it using this web site unless agreed otherwise in a separate direct contract between you and SNBL or required by law.

You acknowledge that the contents of the foregoing provisions shall not limit any specific provisions set out in the individual terms and conditions of particular products and services offered on or through this web site.

Copyright © Soneri Bank (Ltd) 2021. All Rights Reserved.