Terms & Conditions

1. About the Website

The Website provides general information about Pearl Isle Capital (Pvt) Ltd., its business activities, products, services, branches, contact information and other related information.

The content of the Website is provided primarily for general information and communication purposes.

2. No Offer or Binding Commitment

Unless expressly stated otherwise, information published on this Website does not constitute an offer, invitation, recommendation, approval or binding commitment by PIC to provide any product or service.

Any application, facility, transaction or service offered by PIC will be subject to the applicable terms, conditions, eligibility criteria, documentation, approvals and agreements governing that particular product or service.

3. Product and Service Information

PIC makes reasonable efforts to ensure that information published on the Website is accurate and up to date.

However, product features, interest rates, fees, charges, eligibility criteria, terms, conditions, branch information and other details may change from time to time.

PIC reserves the right to amend, withdraw or discontinue products, services, facilities or Website content without prior notice, subject to applicable legal and regulatory requirements.

4. Applications and Enquiries

Where the Website provides online application, enquiry or contact facilities, submission of information through such facilities does not automatically constitute approval or acceptance of an application.

PIC may review submitted information and request additional information or documentation before processing an application or request.

Any approval or provision of a product or service will be subject to PIC's applicable procedures, policies, eligibility requirements and formal documentation.

5. User Responsibilities

When using the Website, you agree:

• To provide accurate and complete information when submitting information to PIC;
• Not to impersonate another person or entity;
• Not to use the Website for unlawful, fraudulent or unauthorized purposes;
• Not to attempt to gain unauthorized access to the Website, servers, systems or networks;
• Not to introduce malicious software, viruses or other harmful code;
• Not to interfere with the operation, availability or security of the Website;
• Not to reproduce or misuse Website content for unauthorized commercial purposes; and
• To comply with all applicable laws and regulations.

6. Intellectual Property Rights

Unless otherwise stated, the Website and its contents, including text, graphics, logos, photographs, designs, layouts, trademarks, service marks and other materials, are owned by or licensed to PIC.

You may access and use the Website for lawful personal or informational purposes.

You must not reproduce, modify, distribute, publish, transmit, display, create derivative works from or commercially exploit Website content without prior written permission from PIC, except where such use is permitted by applicable law.

7. Trademarks

The names, logos, trademarks and service marks appearing on the Website are the property of PIC or their respective owners.

No right or licence to use any trademark is granted through your use of this Website unless expressly authorized in writing.

8. Accuracy and Availability

PIC makes reasonable efforts to maintain the accuracy and availability of the Website.

However, PIC does not warrant that:

• The Website will always be available or uninterrupted;
• All information will always be complete, accurate or current;
• The Website will be free from errors or defects; or
• The Website will be free from viruses or other harmful components.

PIC may temporarily suspend, modify or discontinue any part of the Website for maintenance, security, technical or operational reasons.

9. Third-Party Links

The Website may contain links to websites, platforms or services operated by third parties.

These links are provided for convenience and informational purposes only.

PIC does not necessarily endorse or control the content, availability, security, products or services provided through third-party websites and is not responsible for their practices or content.

Your use of third-party websites is subject to their respective terms and policies.

10. Financial Information and Disclaimer

Information appearing on the Website should not be interpreted as financial, investment, legal, tax or other professional advice unless expressly stated otherwise.

Users should consider their own circumstances and obtain appropriate professional advice where necessary before making financial decisions.

Specific products and services offered by PIC are governed by their respective terms, conditions and documentation.

11. Limitation of Liability

To the maximum extent permitted by applicable law, PIC shall not be liable for any direct, indirect, incidental, consequential or other loss or damage arising from or in connection with:

• Your access to or use of the Website;
• Your inability to access or use the Website;
• Reliance on information published on the Website;
• Errors, omissions or inaccuracies in Website content;
• Website interruptions or technical failures;
• Unauthorized access or security incidents beyond PIC's reasonable control; or
• Third-party websites, services or content accessed through links on the Website.

Nothing in these Terms shall exclude or limit any liability that cannot lawfully be excluded or limited under applicable law.

12. Privacy

Your use of the Website is also subject to PIC's Privacy Policy, which explains how we collect, use, disclose and protect personal information.

The Privacy Policy forms part of these Terms by reference.

13. Website Security

Users must not attempt to circumvent or interfere with any security features of the Website.

Any suspected unauthorized access, security vulnerability or misuse should be reported to PIC promptly through the appropriate contact channel.

14. Suspension or Restriction of Access

PIC reserves the right to restrict, suspend or terminate access to the Website where it reasonably considers that a user has violated these Terms, engaged in unlawful activity, compromised Website security or otherwise misused the Website.

15. Changes to These Terms

PIC may amend these Terms from time to time to reflect changes in its business, Website functionality, services or applicable laws and regulations.

Updated Terms will be published on the Website with the revised "Last Updated" date.

Your continued use of the Website following publication of updated Terms constitutes acceptance of the revised Terms, to the extent permitted by applicable law.

16. Governing Law and Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws of the Democratic Socialist Republic of Sri Lanka.

Subject to any mandatory legal or regulatory requirements, disputes arising in connection with these Terms or your use of the Website shall be subject to the jurisdiction of the courts of Sri Lanka.

17. Severability

If any provision of these Terms is found to be invalid, unlawful or unenforceable, that provision shall be interpreted or modified to the extent necessary to make it enforceable, where legally possible.

The remaining provisions shall continue to remain in full force and effect.

18. Entire Agreement

These Terms, together with the Privacy Policy and any other terms expressly referred to on the Website, constitute the terms governing your use of the Website.

Specific products and services may be subject to additional terms and conditions, which will take precedence over these Website Terms where applicable.

19. Contact Us

For questions regarding these Terms or the Website, please contact: