Terms & Conditions

You may apply at mobilistan.pk, in a Mobilistan app, at a Mobilistan branch or at a Partner Shop. We ask for your CNIC (photographs of both sides), a photograph of you taken during the application, your contact details, address, occupation and income, and the details of a guarantor and a reference. How we use this information is explained in our Privacy Policy.

Everything you give us must be true, complete and your own. Giving false information, or using another person’s identity, is a serious breach of these Terms and may also be an offence under Pakistani law. We may decline or cancel an application, or treat a completed sale as obtained by misrepresentation, if we find the information was false.

With your consent, we obtain your credit report from a credit bureau licensed by the State Bank of Pakistan, to help us decide your application.

Approval is at our discretion. We may decline an application without giving reasons. An approval, or a price shown before your Sale Agreement, is not an offer to sell until the steps in section 6 are complete.

After you choose a phone, we buy that specific phone and acquire its ownership and actual or constructive possession. Only then do we offer it to you for sale.

Before you accept, we show you the phone and its IMEI, the Total Sale Price, the Advance, the number and amount of the Instalments, and every Due Date, together with these Terms and the device security terms in section 7.

The sale is concluded, and becomes binding on both of us, when you accept the Sale Agreement by digital signature or confirmation. From that moment the Phone is yours. It is handed over to you only after the approved transaction sequence has been completed.

The Total Sale Price is higher than the price for immediate cash payment, because it is a price for deferred payment. It is fixed when the sale is concluded and never increases, whether because of delay, the passage of time or any later change in our prices. The Advance forms part of the Total Sale Price.

Every phone sold on instalments has Device Security installed and activated before hand-over. It is the phone maker’s own device-management service, provided through our official partnerships with Samsung, OPPO, Infinix, TECNO, itel and Villaon. You agree to its installation and continued operation while any amount remains outstanding under your Sale Agreement. It is a condition of every instalment sale.

For each Instalment, we send reminders to you as follows:

• two days before the Due Date, on the Phone;
• on the Due Date, on WhatsApp and on the Phone;
• on the day after the Due Date, on the Phone; and
• on the second day after the Due Date, at or after 10:00 PKT, a final notice on WhatsApp and on the Phone stating that the Phone will be restricted at 15:00 PKT that day if the Instalment remains unpaid.

Where you use the MPay app, the same reminders may also appear as app notifications.

If an Instalment remains unpaid at 15:00 PKT on the second day after its Due Date, we may restrict the use of the Phone through Device Security. Restriction is a payment-management measure only. It does not increase the Total Sale Price and does not create any fee, penalty, charity amount, interest or other monetary charge.

Once the overdue Instalment is paid and the payment is confirmed, the Phone is released automatically, usually within minutes. If more than one Instalment is overdue, the Phone remains restricted until all overdue Instalments are paid. There is no charge for release.

We do not use Device Security to read your messages, view your photographs, listen to your calls or access your contacts, and we never use it to recover any amount other than the Instalments due under your Sale Agreement.

When the Total Sale Price has been paid in full, Device Security is permanently removed from the Phone.

While any amount remains outstanding, you must not remove, disable, bypass or interfere with Device Security, including by resetting, re-flashing or modifying the Phone’s software.

You must pay each Instalment on or before its Due Date, as shown in your Sale Agreement and in your Mobilistan account.

You may pay through mobilistan.pk/pay, the MPay app, or our payments helpline, or by any other method we announce on our website. Pay only through these channels. We will never ask you to pay into a personal bank or wallet account, and we will never ask for your MPIN, PIN or a verification code.

Each payment is applied to the oldest unpaid Instalment first. You may pay a later Instalment before its Due Date once the earlier ones are paid.

No late payment fee, penalty, charity amount, interest or other monetary charge is imposed because a payment is late.

You may pay the whole outstanding balance at any time. Because the Total Sale Price is fixed, paying early does not by itself reduce it. Any reduction we may choose to give for early settlement is at our sole discretion, decided at the time, and is not a term of the sale.

Our system records every payment against your account. If a payment you made does not appear, do not pay again: contact our payments helpline with your transaction reference and we will trace it.

You sign in to your Mobilistan account with a code sent to your WhatsApp number. Keep your codes private and tell us straight away if your phone or number is lost or stolen, or if you change your number.

By giving us your WhatsApp number you consent to receiving verification codes, application and order updates, payment reminders and account notices from us on WhatsApp. You may withdraw this consent as described in our Privacy Policy; we will then contact you by SMS or telephone, including for the notices in section 7.

You may ask us to delete your online login at any time by contacting us. Deleting your login does not cancel a Sale Agreement or any amount due under it, and we keep the records of your purchase and payments as required by law.

These Terms, our Privacy Policy, our Returns & Refunds policy and your Sale Agreement are the whole agreement between us. Nothing said by any member of staff or any Partner Shop adds to, varies or overrides them unless we confirm it in writing.

Partner Shops are independent businesses. Where a purchase is made through a Partner Shop, the sale of the Phone to you is made by Mobilistan under these Terms and your Sale Agreement.

If we delay or do not enforce a right on one occasion, we do not give up that right.

If any part of these Terms is found invalid or unenforceable, the rest remains in force.

We may transfer our rights under these Terms and your Sale Agreement to another person, and will tell you if we do. You may not transfer yours without our written consent.

We are not responsible for delay or failure caused by events outside our reasonable control, such as network or power failure, natural disaster or civil disturbance.

These Terms may be provided in English and Urdu. If the two differ, the English version prevails.