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Code Of Conduct

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Code Of Conduct

A Summary

Do the right thing — the importance of the Code
Our values are integral to the way we work every day. The Code is important because it outlines how we can make sure that the decisions we make are the right ones.

Act responsibly and within authority
Be disciplined, responsible and take accountability for the risks you take and make sure they are appropriate to your business or activity. You must keep to our limits and policies and not make decisions that are beyond your delegated authority.

Use good judgment
Recognize when there are situations without simple solutions. Use the Code’s decision making framework to help you make decisions well, appropriately and with care.

Speaking Up
You have a responsibility to Speak Up when you see behavior, a process or system you are not comfortable with at work. This helps to maintain a culture of strong ethics, integrity and transparency.

Comply with laws, regulations and standards
You are individually responsible for complying with the spirit, not just the letter, of laws, regulations and our standards.

Read More

Privacy Policy

This privacy Policy relates to the collection, use and disclosure of Personal Data by OLP Modaraba (“OLP Modaraba”, “we” or “our”). Personal Data is information relating to an individual (“you” and “your”).
Personal Data comprises all the details OLP Modaraba holds or collects about you, directly or indirectly, your transactions, financial information, interactions and dealings with OLP Modaraba, including information received from third parties and information collected through use of our website and our data base.

Purposes For Which We May Handle Your Personal Data

The purposes for which we may handle your Personal Data include the following:

  • Processing applications for products and services, effecting payments, transactions and completing instructions or requests
  • Providing products and services
  • Assessing suitability for products and services
  • Credit assessment, including conducting credit checks and setting credit limits
  • Operational purposes
  • Statistical analysis, including behavioral analysis and profiling
  • Establishment, continuation and management of customer relationships and accounts
  • Conducting market research and surveys with the aim of improving our products and services
  • For marketing purposes, promotional events, competitions and lucky draws
  • For the prevention, detection, investigation and prosecution of crime in any jurisdiction (including, without limitation, money laundering, terrorism, fraud and other financial crime) identity verification, government sanctions screening and due diligence checks
  • To comply with: local or foreign law, regulations, voluntary codes, directives, judgments or court orders, agreements between OLP Modaraba and any authority, regulator, or enforcement agency policies (including the OLP Modaraba’s policies), good practice, government sanctions or embargoes, reporting requirements under financial transactions legislation, and demands or requests of any authority, regulator, tribunal, enforcement agency, or exchange body
  • Surveillance of premises

To whom We may disclose personal data

The purposes for which we may handle your Personal Data include the following:

  • Processing applications for products and services, effecting payments, transactions and completing instructions or requests
  • Providing products and services
  • Assessing suitability for products and services
  • Credit assessment, including conducting credit checks and setting credit limits
  • Operational purposes
  • Statistical analysis, including behavioral analysis and profiling
  • Establishment, continuation and management of customer relationships and accounts
  • Conducting market research and surveys with the aim of improving our products and services
  • For marketing purposes, promotional events, competitions and lucky draws
  • For the prevention, detection, investigation and prosecution of crime in any jurisdiction (including, without limitation, money laundering, terrorism, fraud and other financial crime) identity verification, government sanctions screening and due diligence checks
  • To comply with: local or foreign law, regulations, voluntary codes, directives, judgments or court orders, agreements between OLP Modaraba and any authority, regulator, or enforcement agency policies (including the OLP Modaraba’s policies), good practice, government sanctions or embargoes, reporting requirements under financial transactions legislation, and demands or requests of any authority, regulator, tribunal, enforcement agency, or exchange body.
  • Surveillance of premises

Security

The security of your personal data is important to us. OLP Modaraba comply with technical and organizational security measures to safeguard your personal data. When using external service providers, we required that they adhere to the same security standards as OLP. Personal data may be transferred to, or sorted at, a location outside of your country of residence. Regardless of where personal data is transferred, we take all steps reasonably necessary to ensure that personal data is kept securely.
You should be aware that the internet is not a secure form of communication and sending and receiving information over the Internet carries risk with it including the risk of access and interference of unauthorized third parties. Information passing over the Internet may be transmitted internationally (even when sender and recipient are located in the same country) via countries with weaker privacy and data protection laws than in your country of residence.

Terms & Conditions

There may be specific terms and conditions in our service and product agreements that govern the collection, use and disclosure of your Personal Data. Such other terms and conditions must be read in connections with this Privacy Statement.

Retention

We retain your Personal Data for legal, regulatory, business and operational purposes.

Marketing

We will not send you marketing material if you have specifically asked us not to do so

Monitoring

To the extent permitted by law, we may record and monitor your electronic communications with us to ensure compliance with our legal and regulatory obligations and internal policies for the purposes outlined above

Right of Access:

Subject to applicable law, regulations and/ or Prudential Regulations and guidelines, you may have the right to request a copy of the Personal Data processed in relation to you. OLP Modaraba may be allowed by law to charge a fee for a copy of personal data.

Change to this Privacy Policy

This Privacy Policy may be updated from time to time and should be reviewed regularly

Applying to work for OLP Modaraba

For information on our recruitment privacy Policy, view our Recruitment Privacy Statement.

Cookies

For information on our use of cookies, see our separate Cookie policy.

Linked Websites

Our privacy policy does not apply to third- party websites where our online advertisements are displayed or to linked third-party websites which we do not operate or control

Local language version

The Privacy Statement can be viewed in the following local language: URDU

Disclaimer

The materials may contain inaccuracies and typographical errors. OLP Modaraba does not warrant the accuracy or completeness of the materials, or the reliability of any advice, opinion, statement or other information displayed or distributed through the site. You acknowledge that any reliance on any such opinion, advice, statement, memorandum, or information shall be at your sole risk. OLP Modaraba reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the site. OLP Modaraba may make any other changes to the site, the materials and the products, programs, services or prices (if any) described in the site at any time without notice.