Terms & Conditions for WhatsApp Services

1. Use of WhatsApp Service

BMA's official WhatsApp Service is an additional digital channel through which eligible customers may access certain information, customer support and, where enabled, account and transaction-related services.

The services available to you may include account information, unit balances, statements, tax certificates, fund information, service requests, complaints and, where specifically enabled and authenticated, investment, redemption or other transaction-related requests.

Availability of any service is subject to applicable regulatory requirements, eligibility criteria, authentication, system controls and the relevant Fund's Offering Documents and Constitutive Documents.

2. Authentication and Authorization

For your protection, BMA may require OTPs, registered mobile-number verification, email verification, identity verification or other authentication methods before providing account information or processing a request.

You are responsible for maintaining the security of your mobile phone, SIM, WhatsApp account, email account, passwords, OTPs and other authentication credentials.

Never share an OTP, password, PIN or authentication code with anyone, including anyone claiming to be a BMA representative.

BMA will never ask you to provide your banking password, ATM/debit/credit card PIN or similar confidential banking credentials through WhatsApp.

3. Instructions and Transactions

A message or request sent through WhatsApp does not automatically constitute acceptance or completion of a transaction.

Transaction requests will be processed only after completion of applicable authentication, validation, compliance and system controls and in accordance with the applicable Offering Documents, cut-off timings, NAV methodology and regulatory requirements.

BMA may request additional verification, reject, suspend, defer or restrict a request where reasonably required for security, fraud prevention, AML/CFT/CPF, regulatory compliance or investor protection.

4. Investment Risk

Investments in mutual funds, collective investment schemes and pension funds involve investment risks. The value of investments may fluctuate and investors may receive less than the amount invested.

Past performance is not necessarily indicative of future performance.

Unless expressly stated otherwise in the applicable product documentation, investments are not bank deposits and are not guaranteed or insured by BMA Investment Advisors Limited, SECP or the Government of Pakistan.

5. No Unauthorized Payment Instructions

BMA will not ask you to transfer investment funds to the personal bank account of any employee, director, officer or representative.

Please make payments only to officially designated accounts communicated through BMA's authorized channels.

If you receive any suspicious payment request or communication, contact BMA immediately through its official contact details.

6. WhatsApp and Third-Party Platform

WhatsApp is a third-party platform operated by Meta. BMA does not control the availability, infrastructure or technical operation of WhatsApp.

You acknowledge that use of the WhatsApp Service involves risks associated with third-party telecommunications and technology platforms, including service interruptions, delays, connectivity failures and other technical issues.

BMA will maintain appropriate controls for information and systems under its control in accordance with applicable legal and regulatory requirements.

7. User Responsibility and Misuse

You agree to use the WhatsApp Service only for lawful and authorized purposes.

You shall be responsible for losses, claims, damages, costs or expenses arising from your:

• Misuse or unauthorized use of the WhatsApp Service;
• Breach of these Terms;
• Fraudulent or unauthorized instructions;
• Disclosure of OTPs, passwords or authentication credentials;
• Failure to safeguard your device, SIM or WhatsApp account; or
• Negligent, fraudulent or unlawful acts or omissions.

To the fullest extent permitted by applicable law, you agree to indemnify and hold harmless BMA Investment Advisors Limited, its directors, CEO, management, officers, employees, authorized representatives and agents against claims, losses, liabilities, costs and reasonable legal expenses arising directly from such acts or omissions.

8. Protection of BMA and Its Personnel

To the fullest extent permitted by law, BMA and its directors, CEO, management, officers, employees, representatives and agents shall not be liable for losses arising solely from circumstances beyond their reasonable control, including WhatsApp/Meta outages, telecommunications failures, internet connectivity issues, third-party system failures, force majeure events or unauthorized access attributable to the User's negligence or failure to follow prescribed security measures.

Nothing in these Terms excludes or limits any liability of BMA or its personnel that cannot lawfully be excluded or limited, including liability arising from fraud, willful misconduct, gross negligence or mandatory regulatory obligations.

9. Privacy and Records

BMA may collect, process and retain information relating to your WhatsApp interactions, authentication, service requests and transactions for legitimate business, regulatory, security, audit, fraud-prevention and record-retention purposes, in accordance with applicable laws and regulatory requirements.

10. Service Availability

BMA will use reasonable efforts to maintain the availability of the WhatsApp Service but does not guarantee uninterrupted or error-free availability.

BMA may suspend or restrict the service where reasonably necessary for maintenance, security, fraud prevention, regulatory compliance, system upgrades or other legitimate purposes.

11. Complaints and Unauthorized Activity

You should immediately contact BMA if you suspect:

• Unauthorized access to your account;
• Loss or theft of your mobile phone or SIM;
• SIM swapping;
• Unauthorized transactions;
• Fraudulent WhatsApp communications; or
• Any other suspicious activity.

• UAN / Helpline: +92 (21) 111-262-111
• Email: info@bmainvests.com
• Website: www.bmainvests.com

12. Acceptance

Acceptance of these Terms is recorded in WhatsApp. By selecting "I Agree & Continue" in the BMA WhatsApp Service, you confirm that:

• You have read and understood these Terms & Conditions;
• You agree to use BMA's WhatsApp Service in accordance with these Terms;
• You understand the security and investment risks associated with using this service; and
• You accept responsibility for safeguarding your device, SIM, WhatsApp account and authentication credentials.

This page is provided for reading and reference only. To accept these Terms, use the "I Agree & Continue" option in the official BMA WhatsApp Service.