Terms & Conditions

Last Updated: September 2026

Welcome to Karobbar ("Karobbar", "Company", "we", "our", or "us"). These Terms & Conditions govern your access to and use of the Karobbar website, investment platform, and all related services.

By creating an account, accessing our website, depositing funds, or using any of our services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms & Conditions. If you do not agree with any part of these Terms, you must not use our platform.

1. Eligibility

To use Karobbar, you must:

  • Be at least 18 years of age.
  • Have the legal capacity to enter into binding agreements.
  • Provide accurate and complete registration information.
  • Not use the platform for illegal or unauthorized purposes.
  • Comply with all applicable laws in your jurisdiction.

We reserve the right to refuse service or terminate accounts that do not meet these requirements.

2. Account Registration

When creating an account, you agree to:

  • Provide accurate and truthful information.
  • Keep your account information updated.
  • Maintain the confidentiality of your password.
  • Enable additional security measures where available.
  • Notify us immediately of unauthorized account access.

Each user may maintain only one account unless otherwise approved by Karobbar.

3. Investment Services

Karobbar provides investment opportunities through various investment plans.

By participating, you acknowledge that:

  • Investments are voluntary.
  • Investment performance depends on market conditions and trading outcomes.
  • Profit distributions are based on the selected investment plan.
  • No investment is risk-free.
  • Past performance does not guarantee future results.

4. Deposits

Users may fund their accounts using approved payment methods.

Deposit Rules

  • Minimum Deposit: PKR 5,000
  • Supported payment methods may include:
    • JazzCash
    • EasyPaisa
    • Bank Transfer
    • USDT
    • Other approved gateways

Deposits are generally credited instantly or within 30 minutes, depending on the payment provider.

Users are responsible for ensuring that payment details are accurate.

Once a deposit has been credited to your investment account, it is considered non-refundable, except where required under these Terms or applicable law.

5. Use of Deposited Funds

Deposited funds are allocated to investment and trading activities according to the selected investment plans.

These funds may be used for:

  • Investment portfolio allocation
  • Trading operations
  • Profit distribution
  • Platform operations associated with investment services

6. Withdrawals

Users may request withdrawals subject to platform requirements.

Withdrawal Rules

  • Minimum Withdrawal: PKR 500
  • Processing Time: 24–72 business hours
  • One withdrawal request per 24 hours
  • Withdrawals require successful KYC verification
  • Withdrawals are processed only through supported payment methods.

Karobbar reserves the right to delay withdrawals for security reviews, fraud investigations, or regulatory compliance.

7. KYC Verification

For security and compliance purposes, users may be required to complete Know Your Customer (KYC) verification.

Verification may include:

  • Government-issued ID
  • Passport
  • Driving License
  • Proof of address
  • Selfie verification

Withdrawal requests may remain pending until verification has been successfully completed.

8. Investment Returns

Returns generated through Karobbar depend on:

  • Market conditions
  • Trading performance
  • Investment strategy
  • Selected investment plan

Profits are credited according to the applicable investment plan.

Karobbar does not guarantee fixed or risk-free returns.

9. Referral Program

Eligible users may participate in the referral program.

Referral commissions may be earned when:

  • Referred users register successfully.
  • Qualifying investment conditions are satisfied.

Referral commissions:

  • Are credited to the user's account.
  • May be withdrawn after KYC verification.
  • May be reinvested into available investment plans.

Karobbar reserves the right to modify or terminate the referral program at any time.

10. Risk Disclosure

All investments involve financial risk.

By investing through Karobbar, you acknowledge that:

  • Investment values may increase or decrease.
  • Market fluctuations may affect profitability.
  • Partial or complete loss of expected profits may occur.
  • Past performance is not indicative of future performance.

Users should invest only funds they can afford to place at risk.

11. Profit and Loss Distribution

Karobbar allocates user investments into trading strategies.

Depending on trading performance:

  • Profits may be credited.
  • Losses may occur.
  • Returns vary based on market conditions.

No employee or representative of Karobbar may promise guaranteed returns.

12. Company Loss Policy

If Karobbar experiences financial losses due to:

  • Trading activities
  • Market volatility
  • Operational disruptions
  • Extraordinary events

the Company may, at its discretion and subject to its financial position, arrange refunds of users' original deposited principal over a period that may extend up to 2–3 months.

This provision is an internal company policy and does not create a guarantee or legally enforceable promise of reimbursement in all circumstances. Refunds remain subject to available funds, applicable law, regulatory requirements, and any ongoing investigations.

Any profits, projected returns, bonuses, or unrealized earnings are not guaranteed and may not be payable in the event of company losses.

13. Referral Earnings During Company Loss

Referral commissions become part of the user's account balance after being credited.

In the event of company losses:

  • Referral commissions are subject to the same platform rules applicable to account balances.
  • Referral rewards are promotional incentives and are not guaranteed investment returns.
  • Any refund decisions relating to referral balances will be handled in accordance with the Company's refund policy and applicable laws.

14. Fraud Prevention

Karobbar actively monitors accounts for fraud.

Activities that may result in suspension include:

  • Multiple accounts
  • Fake identities
  • Deposit fraud
  • Chargebacks
  • Money laundering
  • Referral abuse
  • Unauthorized transactions
  • Suspicious login activity
  • False verification documents

Fraudulent accounts may be permanently suspended without prior notice.

15. Account Suspension

We reserve the right to suspend or terminate accounts that:

  • Violate these Terms.
  • Engage in fraudulent activities.
  • Attempt to manipulate investment systems.
  • Abuse promotional offers.
  • Threaten platform security.
  • Violate applicable laws.

16. User Responsibilities

Users agree to:

  • Protect their login credentials.
  • Use strong passwords.
  • Keep account information current.
  • Ensure payment information is accurate.
  • Follow all platform rules.
  • Use the platform lawfully.

Users are solely responsible for all activities performed through their accounts.

17. Payment Security

Karobbar uses industry-standard security measures, including SSL encryption and secure payment processing.

While we take reasonable precautions to safeguard transactions, users remain responsible for protecting their own devices, credentials, and payment information.

18. Cookies & Website Technologies

Our website uses cookies to:

  • Improve functionality
  • Remember user preferences
  • Analyze traffic
  • Enhance security
  • Support marketing activities

Users may disable cookies in their browser, although some features of the platform may not function correctly.

19. Intellectual Property

All content available on Karobbar, including:

  • Logos
  • Graphics
  • Software
  • Text
  • Branding
  • Website design
  • Source code

is the exclusive property of Karobbar or its licensors and may not be copied, modified, or distributed without prior written permission.

20. Limitation of Liability

To the fullest extent permitted by applicable law, Karobbar shall not be liable for:

  • Market-related losses
  • Investment performance
  • Trading losses
  • Internet interruptions
  • Payment gateway failures
  • Technical issues
  • Unauthorized access caused by user negligence
  • Third-party service interruptions
  • Indirect, incidental, consequential, or special damages

Nothing in these Terms excludes or limits liability where such exclusion is prohibited by applicable law.

21. Third-Party Services

Our platform may integrate with:

  • Payment processors
  • Analytics providers
  • Advertising partners
  • Verification services
  • Cloud hosting providers

These services operate under their own terms and privacy policies.

22. Privacy

Your use of Karobbar is also governed by our Privacy Policy, which explains how we collect, use, store, and protect your personal information.

23. Compliance with Laws

Users are responsible for ensuring that use of Karobbar complies with all laws and regulations applicable in their jurisdiction, including tax obligations and investment restrictions.

24. Amendments

Karobbar reserves the right to modify these Terms & Conditions at any time.

Updated versions will become effective once published on our website.

Continued use of the platform after changes constitutes acceptance of the revised Terms.

25. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the applicable laws governing the operation of Karobbar, without prejudice to any mandatory consumer protection rights that may apply under applicable law.

26. Contact Information

If you have any questions regarding these Terms & Conditions, please contact us:

Website: https://karobbar.com

Email: invest@karobbar.com

Support: Available through the Karobbar support ticket system.

Acknowledgement

By creating an account, depositing funds, investing, or otherwise using Karobbar, you acknowledge that you have read, understood, and agreed to these Terms & Conditions, including the provisions relating to investment risk, withdrawals, payment processing, referral programs, account security, and platform usage.