These terms govern your use of novulabs.net. They do not govern any services engagement — that is covered by a separate written agreement. If the two ever conflict, the services agreement prevails.
Acceptance
By using this website you accept these terms. If you do not accept them, please do not use the site.
What this website is not
Content on this site, including the technical articles, is provided for general information. It is not legal, regulatory, financial, clinical or professional advice, and it is not a substitute for advice on your specific circumstances.
Our articles discuss regulatory frameworks including those administered by the State Bank of Pakistan, the Financial Monitoring Unit and the US Department of Health and Human Services. Regulations change, and our description of them may be out of date by the time you read it. Verify against the primary sources we link before relying on anything here.
Nothing on this site constitutes an offer capable of acceptance. Engagements begin with a written agreement.
Intellectual property
The content, design, code and branding of this website are owned by NovuLabs Technology Pvt Ltd unless otherwise indicated. You may read, quote with attribution, and link to it. You may not reproduce it wholesale or present it as your own.
Third-party names and marks referenced on this site — including Mastercard, Visa, NADRA, RAAST and others — are the property of their respective owners and are used for identification only.
Acceptable use
Do not attempt to gain unauthorised access to this site or its infrastructure, interfere with its operation, or use it to distribute unlawful or malicious content. Automated access is permitted for search and AI crawlers as described in our robots.txt; other automated access at a rate that degrades service is not.
Limitation of liability
This website is provided on an "as is" basis. To the fullest extent permitted by applicable law, NovuLabs is not liable for any loss arising from reliance on information published here. Nothing in these terms limits liability that cannot lawfully be limited.
Governing law and contact
These terms are governed by the laws of Pakistan, and the courts of Islamabad have exclusive jurisdiction over any dispute arising from them.
Questions about this policy can be sent to info@novulabs.net, or by post to NovuLabs Technology Pvt Ltd, Islamabad, Pakistan.