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Terms of Service

Last updated: October 20, 2025

Agreement to Terms

By accessing and using Sambixel's financial services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.

Services Description

Sambixel provides professional financial services including:

  • Investment planning and advisory services
  • Wealth management and portfolio management
  • Financial consulting and guidance
  • Risk assessment and management

Client Responsibilities

As a client of Sambixel, you agree to:

Accurate Information

  • Provide accurate and complete personal and financial information
  • Update your information promptly when changes occur
  • Notify us of any material changes in your financial situation
  • Respond to requests for additional information or documentation

Compliance and Cooperation

  • Comply with all applicable laws and regulations
  • Cooperate with our due diligence processes
  • Follow our investment recommendations and guidelines
  • Maintain confidentiality of sensitive information

Service Limitations

Please understand the following limitations of our services:

Investment Risks

  • All investments carry risk of loss
  • Past performance does not guarantee future results
  • Market conditions can affect investment outcomes
  • No guarantee of investment returns or profits

Advisory Nature

  • Our services are advisory in nature
  • Final investment decisions rest with you
  • We do not guarantee specific outcomes
  • You are responsible for your investment choices

Fees and Payments

Our fee structure and payment terms:

Service Fees

  • Fees are disclosed in your service agreement
  • Fees may be based on assets under management or fixed rates
  • Additional fees may apply for specialized services
  • All fees are subject to applicable taxes

Payment Terms

  • Fees are typically charged monthly or quarterly
  • Payment is due within 30 days of invoice date
  • Late payment may result in service suspension
  • Refund policies are outlined in your service agreement

Confidentiality and Privacy

We are committed to protecting your confidential information:

Information Protection

  • We maintain strict confidentiality of client information
  • Information is shared only as necessary for service provision
  • We comply with all applicable privacy laws
  • Client data is protected with industry-standard security measures

Disclosure Limitations

  • We may disclose information as required by law
  • Information may be shared with regulatory authorities
  • We may use aggregated, anonymized data for analysis
  • Client consent is required for most information sharing

Termination

Either party may terminate the service relationship:

Client Termination

  • You may terminate services with 30 days written notice
  • Termination does not affect completed transactions
  • Outstanding fees remain due upon termination
  • We will assist with account transfer if requested

Service Provider Termination

  • We may terminate services for non-compliance
  • Termination may occur for regulatory reasons
  • We will provide reasonable notice when possible
  • Client assets will be returned as appropriate

Limitation of Liability

Our liability is limited as follows:

Service Limitations

  • We are not liable for investment losses or market fluctuations
  • Our liability is limited to the fees paid for services
  • We are not responsible for third-party actions or omissions
  • Force majeure events may limit our obligations

Client Acknowledgment

  • You acknowledge the risks associated with investments
  • You understand that past performance is not indicative of future results
  • You accept responsibility for your investment decisions
  • You agree to hold us harmless for market-related losses

Governing Law and Disputes

These terms are governed by the laws of Pakistan. Any disputes will be resolved through:

Dispute Resolution

  • Good faith negotiations as the first step
  • Mediation if negotiations are unsuccessful
  • Arbitration as the final dispute resolution method
  • Courts of competent jurisdiction in Pakistan

Regulatory Compliance

  • We comply with all applicable Pakistani financial regulations
  • Our services are subject to regulatory oversight
  • Client complaints may be directed to regulatory authorities
  • We maintain appropriate licenses and registrations

Contact Information

For questions about these Terms of Service, please contact us:

Phone: +92554385245
Address: 45RR+JP6, Opposite Nagar Pathak Chowk, GT Rd, Highway Staff Colony, Gujranwala, 52250