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This Website is owned and controlled by Al Mawakhat Microfinance Company Ltd. ("AMCL"). AMCL respects the privacy of visitors to its website, and advises all visitors/surfers and clients to read and understand our privacy policy, and to check it periodically for any updates or revisions.

When you visit this Website, AMCL may collect personal data about you, either directly (where you are asked to provide the data) or indirectly (through IP address, cookies, etc.). AMCL will, however, use such personal data only for the purposes set forth in this Privacy Statement and AMCL is committed to safeguarding such personal data. This Statement sets out the purposes of AMCL data processing in respect of this Website.

AMCL may gather and analyze information relating to particulars of users, their computing equipment/devices, usage of this Website, including domain name, the number of hits, the pages visited, previous/subsequent sites visited and length of user session.

Purposes of Processing

AMCL collects and processes information about customers and visitors to its website to conduct its business, to inform and offer products and services that may be of interest to you, as well as to compile Web statistics. The information provided by you can be used to contact you, when necessary, e.g., to obtain further information or confirmation about your data, notify you about functionality changes to the Website and AMCL online services, as well as to offer other services that you may find helpful (provided you have not opted out of receiving such services).

Sensitive Data/Information

AMCL does not seek to collect sensitive personal information (such as information revealing personal preferences, political opinions, religious beliefs, health or other matters) through this Website. If AMCL does collect any such data, your prior consent for this will be obtained. Please note that, by providing AMCL with solicited or unsolicited sensitive personal information you consent to our using such personal information as described above.

Disclosure of Information

Where required by Financial Services Regulator(s) or Law Enforcement Agencies, AMCL will share necessary customer and other information, as advised.

Other than this, AMCL will never disclose information that it has collected from its users to any of its affiliates, independent contractors and business partners for any purpose, whatsoever. Also, we will not transfer information collected in the process of sales of our products and services.

Third Party Sites

Please note that this Privacy Statement does not extend to third party websites linked to this/ AMCL’s Website.


AMCL reserves the right to modify this Privacy Statement, or any part thereof, at any time and from time to time. You are requested to kindly review this statement frequently for any changes.

Website Analytics

AMCL Website uses analytical tools, a service which transmits website traffic data to analytical tools. Google Analytics does not identify users or associate your IP address with any other data. We use these tools to understand website traffic, and usage. We use the following tools for Advertising

Google AdWords

Personal Data: Cookies and Usage Data

Facebook Audience Network

Personal Data: Cookies, unique device identifiers for advertising (Google Advertiser ID or IDFA, for example) and Usage Data

Return Policy


Products can be returned after disbursement. The product amount will be calculated as the actual market price of that product, in the market, in the current condition when you want to return. You will pay the devalue or any other price reduction value. The market price will be refunded back after selling the product.
Following deductions will be done:

  • Lock-in Period & Early Settlement charges.
  • Sale Out Price (ASSET) Sale
  • Fees and Charges- enlisted application fees and charges, and their nature, including implied charges/penalties.


To return a product, you must have a valid reason. For this, you have to write a letter to CEO and submit in the office on following
Al-Mawakhat Microfinance Co. Ltd.
Office # 2, FB/3, 2nd Floor, Awami Complex, Usman Block, New Garden Town
Lahore, Punjab, Pakistan 05309

Refund Policy


Two types of refunds we can do, a. Before Purchase of the Asset, b. After Purchase of the Asset, discussed below.

  • Down-payment can be refunded before the purchase of assets, if you are no more willing to purchase the product. If you want a refund of a down-payment then use the refund process. Fine and other charges may apply.
  • Down-payment can be refunded also after the purchase of the assets but in this case the return policy rules and regulations apply. (Please read return policy for point b detailed rules and regulations)


To claim a refund of a down-payment, you must have a valid reason. For this, you have to write a letter to CEO and submit in the office on following address Al-Mawakhat Microfinance Co. Ltd.
Office # 2, FB/3, 2nd Floor, Awami Complex, Usman Block, New Garden Town, Lahore, Punjab, Pakistan 05309

Please note, if any amount or deduction happens on the process of refunding the amount, the customer will pay it.

All Materials, Including Illustrations, Photographs, Products, Images, Artwork, Designs, Texts, Graphics, Logos, Button Icons, Images, Audio Clips And Software (Collectively “Content”) Appearing On This Website Are Owned Or Controlled By And Are Protected By Worldwide Trademark And Copyright Laws. The Content Of The Website, And The Website As A Whole, Are Intended Solely For Your Personal, Non-commercial Use Of The Website. You May Not Download Content From This Website, Or Otherwise Modify, Obscure Or Delete Any Copyright Or Other Property Notices On The Website. No Right, Title Or Interest In Any Materials And Software.