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Service Agreement

Welcome to the BCIL’s web site, www.bcil.pk, (the "Site"). This Service Agreement ("Agreement") contains the terms and conditions upon which you ("you," or the "member") may access to or any products through the Site. You agree to be legally bound by these terms.

Special Services

FOR CUSTOMERS WITH A GIFT CERTIFICATE CODE, OBTAINED THROUGH A FINANCIAL INSTITUTION: YOUR GIFT CERTIFICATE ENTITLES YOU TO RECEIVE FREE PRODUCT(S) PURSUANT TO THE TERMS OUTLINED BY YOUR FINANCIAL INSTITUTION. THERE WILL BE NO CHARGE MADE TO YOU FOR THESE SERVICES, THE SERVICES WILL NOT BE RENEWED AT THE END OF THE SERVICE PERIOD AND YOUR CREDIT CARD WILL NOT BE CHARGED. IF YOU DESIRE SERVICES FROM BCIL AFTER THE END OF THE SERVICE PERIOD PROVIDED BY YOUR FINANCIAL INSTITUTION THROUGH THE GIFT CERTIFICATE, IT WILL BE NECESSARY TO ORDER THE PRODUCTS AVAILABLE AT THE THEN MARKET RATE.

Credit Monitoring

When you become a member entitled to BCIL Credit Monitoring, you understand that it is a membership that automatically renews itself every quarter indefinitely without action by the member on the anniversary day of your initial purchase. will charge the quarterly membership fee to the credit card or bank account that you designated as your preference, or if you have not designated a preference, to the account most recently used on the Site. Should your credit card fail to authorize, you will be notified via email immediately. The benefits of your membership (including, without limitation, online credit reports and daily monitoring alerts) will be suspended until payment is received provided payment is received within 25 days. If payment is not received within 25 days, any previous alerts you may have received will be purged from our database, and your membership will be canceled. An enrollee whose membership fee has been paid is entitled to all privileges included in the membership until the membership is canceled by the enrolled member. Upon cancellation, the member loses access to the areas of the Site designated for members only and loses access to the member's data and other benefits. This could include any credit data and analyses that have been displayed during the membership. A member may cancel at any time. Should you decide to cancel your subscription a Customer Service representative can arrange for all future renewal fees to be canceled. However, please note that neither full nor pro-rated refunds will be given for the current quarter.

Membership

Credit reports, credit scores and debt analysis will be available for a term of 30 days, otherwise, products will be provided for the period stated in the product description. With respect to products that include access to new credit reports at your discretion, there is a limit of one new credit report every 24 hours. Enrollment in a monitoring program will usually occur within 24 hours but may be delayed. If BCIL is unable to confirm enrollment for any reason, notification will be made by BCIL to the email address we have on record for you at the time of the notice.

Memberships, such as monitoring products, automatically renew indefinitely without action by the member, and the membership fee is charged to the member at the time of renewal. An enrollee whose membership fee has been paid is entitled to all privileges included in the membership until the membership is cancelled by the enrolled member. Consent to obtain credit data to fulfill the benefits of subscription products shall be valid under the program until cancelled. This could include any credit data and analyses that have been displayed during the membership. A member may cancel at any time. To cancel your membership please contact our Customer Service Team. For contact information and hours of service go to https://www.bcil.pk/contract.jsp

General Terms

BCIL maintains the Site to provide you with information about our memberships, products and services and to facilitate communication with us and our affiliates. From time to time we may revise these terms and conditions. Revisions will be effective when posted or as otherwise stated. Additional terms and conditions may apply to specifics of our memberships, products and services or to participate in our affiliate program, contests or surveys.

The images, text, screens, web pages, materials, data, content and other information ("Content") used and displayed on the Site, including but not limited to any of the products of BCIL that are the property of BCIL or its licensors and are protected by copyright, trademark and other laws. In addition to its rights in individual elements of the Content within the Site, BCIL owns copyright or patent rights in the selection, coordination, arrangement and enhancement of such Content. You may copy the Content from the Site for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear on the pages copied. Except as provided in the preceding sentence, none of the Content may be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of BCIL or the owner of the Content.

OUR SITE, INCLUDING ALL CONTENT, MEMBERSHIPS, PRODUCTS AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH THIS SITE, IS PROVIDED TO YOU "AS IS". TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NEITHER BCIL NOR ITS AFFILIATES MAKE ANY

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