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Marham - Terms and Conditions

Effective Date: December 01, 2020

Please read these terms of use carefully. These apply to the website, mobile apps, or online or mobile-enabled technology or digital tools (included in our “Online Services”) that are displayed or linked collectively to Marham.

  1. Use of Medical Information:
  2. The information provided by this website Marham.pk ("we", "us", or "our") on https://www.marham.pk/, our mobile application, as well as all of the social media/web platforms including Facebook, Instagram, Twitter, Youtube, etc. is for general informational purposes only and does not provide or substitute medical advice.

    1. 1. The information, including but not limited to text, graphics, images, and other material contained on this website and platforms owned by Marham are for informational purposes only, and we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information represented.

    1. 2. Under no circumstances shall Marham hold any liability to you for loss or damage of any kind incurred as a result of the use of information available on the website or associated platforms. User discretion is advised.

    1. 3. If you think you have a medical emergency, call your local emergency helpline number and immediately seek professional medical advice.

  3. Medical Disclaimer:
  4. Although we strive to provide accurate general information, no material on this site is intended to be a substitute for professional medical advice, diagnosis, or treatment, and does not establish any kind of patient-doctor relationship by your use of this website.

    2. 1. A patient/doctor relationship is established only after you have directly booked an appointment with a doctor/specialist/consultant, in which case Marham acts as a third party and does not hold responsibility for the medical advice/opinion of the doctor you are in consultation with, whether online or in-person.

    2. 2. Always seek the advice of your physician or another qualified healthcare provider for any questions you may have regarding a medical condition, symptoms, or treatment before undertaking a new healthcare regimen. Never disregard professional medical advice or delay in seeking it because of something you have read on this website or the associated social platforms.

    2. 3. The doctors/general physicians on the online portals provide unbiased medical advice/opinions based on their clinical expertise. Marham is in no way responsible for the medical advice/opinion of the individual doctors either via online consultation, in-person appointments, or on the health portal.

  5. Disclaimer of Endorsement:
  6. 3. 1. Third-party names, product names, and logos, particularly of pharmaceutical and healthcare companies, contained in these websites may be the trademarks of their respective owners. We DO NOT ENDORSE OR SPONSOR any product/company unless explicitly stated.

    3. 2. Marham makes no guarantees about the efficacy or safety of the drugs, products, or treatments described on the web pages. Health conditions and drug information are subject to change and are not intended to cover all possible uses, directions, precautions, warnings, drug interactions, allergic reactions, or adverse effects.

    3. 3. Marham does not recommend or endorse any specific test, clinician, clinical care provider, product, procedure, opinion, service, or other information that may be mentioned on Marham’s websites, mobile app, and other platforms.

  7. Physician Information:
  8. 4. 1. Although we strive to obtain accurate data concerning physicians (including specialty, credentials, and training) from sources believed to be reliable and accurate, Marham can make no guarantee or warranty as to the accuracy, timeliness, or completeness of the information.

    4. 2. All the medical and non-medical views, including religious and political beliefs and opinions shared by the doctors/medical specialists, are those of the individual only and do not necessarily represent the views of Marham.

  9. External Links Disclaimer:
  10. 5. 1. The site or its associated platforms may contain links to other websites or content belonging to or originating from third parties. Such external links are not monitored for accuracy, adequacy, validity, reliability, availability, or completeness by us.

    5. 2. Marham does not warrant, endorse, guarantee, or assume responsibility for the information and content offered by third-party websites.

Marham is not liable for any personal injury or harm, including death, or infringement caused by the use or misuse of the services, content, or comments available on this website and associated online platforms. In no event shall Marham, its affiliates, licensors, contractors, or any of their respective employees, or agents be liable for any damages (including but not limited to incidental and consequential damage).

Marham Is Protecting Your Privacy And We Take Great Care Of Patient’s Information. This Policy Will Define How We Use And Protect Your Data. If You Have Any Questions, Feel Free To Contact Us At Info@Marham.Pk Thank You For Choosing Marham.

This privacy policy ("Privacy Policy") explains how we collect, use, share, disclose and protect Personal Information about the Users of the Services, including the Practitioners, the End-Users (as defined in terms of use), and the visitors of Website (jointly and severally referred to as "you" or "Users" in this Privacy Policy). We created this Privacy Policy to demonstrate our commitment to protecting your privacy and personal information. Your use of and access to the Services is subject to this Privacy Policy and our Terms of Use. Any capitalized term used but not defined in this Privacy Policy shall have the meaning attributed to it in our Terms of Use. Marham.pk ("us," "we," or "Marham") is committed to respecting the privacy rights of our customers, visitors, and other users of Marham.pk (the "Site") and related websites, applications, services and mobile applications provided by Marham. We created this Privacy Policy ("Privacy Policy") to give you confidence as you use the Services and demonstrate our commitment to protecting privacy. This Privacy Policy is only applicable to the Services. This Privacy Policy does not apply to any other digital healthcare service that you may be able to access through the Services or any website or digital services of Marham's business partners. Each may have data collection, storage, and use practices and policies that may materially differ from this Privacy Policy. Our Privacy Policy governs your use of the Services. Any capitalized term used but not defined in this Privacy Policy shall have the meaning in the Agreement. BY USING THE SERVICES OR BY OTHERWISE GIVING US YOUR INFORMATION, YOU WILL BE DEEMED TO HAVE READ, UNDERSTOOD AND AGREED TO THE PRACTICES AND POLICIES OUTLINED IN THIS PRIVACY POLICY AND AGREE TO BE BOUND BY THE PRIVACY POLICY. YOU HEREBY CONSENT TO OUR SERVICES, USE AND SHARING, DISCLOSURE OF YOUR INFORMATION AS DESCRIBED IN THIS PRIVACY POLICY. WE RESERVE THE RIGHT TO CHANGE, MODIFY, ADD OR DELETE PORTIONS OF THE TERMS OF THIS PRIVACY POLICY, AT OUR SOLE DISCRETION, AT ANY TIME. IF YOU DO NOT AGREE WITH THIS PRIVACY POLICY AT ANY TIME, DO NOT USE ANY OF THE SERVICES OR GIVE US ANY OF YOUR INFORMATION. IF YOU USE THE SERVICES ON BEHALF OF SOMEONE ELSE (SUCH AS YOUR CHILD) OR AN ENTITY (SUCH AS YOUR EMPLOYER), YOU REPRESENT THAT YOU ARE AUTHORISED BY SUCH INDIVIDUAL OR ENTITY TO (I) ACCEPT THIS PRIVACY POLICY ON SUCH INDIVIDUAL’S OR ENTITY’S BEHALF, AND (II) CONSENT ON BEHALF OF SUCH INDIVIDUAL OR ENTITY TO OUR SERVICES, USE AND DISCLOSURE OF SUCH INDIVIDUAL’S OR ENTITY’S INFORMATION AS DESCRIBED IN THIS PRIVACY POLICY.

Yes, we collect personal information from your users.

First Name and Last Name

Email Address

Phone Number

Mailing Address

We collect the said information when you register on our site through the web or via the Marham app.

Our website is scanned regularly for security holes and known vulnerabilities to make your visit to our site as safe as possible. We use regular Malware Scanning. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. Also, all sensitive/credit information you supply may be encrypted via Secure Socket Layer (SSL) technology. We implement a variety of security measures when a user places an order enters, submits, or accesses their information to maintain the safety of your personal information. All transactions are processed through a gateway provider and are not stored or processed on our servers.

Yes, users can opt-in to receive newsletters and emails from us.

Yes, we use tracking solutions to measure website/app traffic.


Google Maps APIs

Cookies and/or web beacons

Make a purchase

Sign up for our email list or newsletter

For a survey or marketing campaign

Surf the website

To personalize your website experience and offer you content and products as per your inclinations.

To amend and update our website to better serve you.

To respond to customer service inquiries appropriately.

To manage rating and reviews of website.

To identify and register doctors on our website.

To verify doctor's registrations with PMC.

Yes. Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the site's or service provider's systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

We use cookies to:

Help remember and process information.

Understand and save user's preferences for future visits.

Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted and licensed third-party services that track this information on our behalf.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser's Help menu to learn the correct way to modify your cookies.

If you disable cookies off, some features will be disabled. It won't affect the user's experience that makes your site experience more efficient and some of our services will not function properly.

However, you can still make appointments.

We do not sell, trade, share or otherwise transfer to outside parties your personally identifiable information unless we provide users with the advance written notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it's release is appropriate to comply with the law, enforce our site policies, or protect our or others' rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses and purposes. .

We do offer third party services which are labeled as such.

Google's advertising requirements can be summed up by Google's Advertising Principles. They are put in place to provide a positive experience for users.

It is advised to visit the following link:

https://support.google.com/adwordspolicy/answer/1316548?hl=en https://support.google.com/adwordspolicy/answer/1316548?hl=en

We have not enabled Google AdSense on our site but we may do so in future.

When it comes to the collection of personal information from children under 13, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation's consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online.

We do not specifically market to children under 13.

We do not spam and only collect your email address in order to:

If at any time you would like to unsubscribe from receiving future emails, you can email us at and we will promptly remove you from ALL correspondence.

All the content, images, graphics, text, videos (Including YouTube videos), material, structure and its arrangement is property of Marham and protected under the copy right laws. Reproducing or copying any of its part or whole of site is therefore illegal. Any person or organization found guilty will be dealt as per law. ALL RIGHTS RESERVED.

If we happen to change our policy or disclaimer statement we will be sharing it here on the page to keep you updated of amendments.

All data contained by the website and application is collected by Team Marham. We own complete rights of this data and legal action would be taken if we found any instance of theft of data.

Marham may update this Privacy Policy at any time, with or without advance notice. In the event there are significant changes in the way Marham treats User's Personal Information, Marham will display a notice on the Website or send users an email. If a User uses the Service after notice of changes have been sent to such user or published on the website, such user hereby provides his/ her/ its consent to the changed practices.

If there are any ambiguities or queries regarding this privacy policy, Contact us here:

Marham.pk, Lahore, 54000 Punjab, Pakistan


Marham Medicare Private, on behalf of itself under the brand "Marham" (“Marham”), is the author and publisher of the internet resource www.marham.pk and the mobile application ‘Marham’ (together, “Website”). Marham owns and operates the services provided through the Website.These terms and conditions apply to the customer who utilizes any of the services offered by Marham through any of its platforms (Web, App, and/or call center) by making a payment to Marham.pk (Marham). Kindly read these terms and conditions carefully. By authorizing a payment to Marham through the online payment service ("the service"), it would be treated as a deemed acceptance of these terms and conditions. Marham reserves all the rights to amend these terms and conditions at any time without giving prior notice. It is the responsibility of the Customer to have read the terms and conditions before using the Service

Payment(s) through this Service may be made with a Credit card, Debit card, Mobile wallets, Net Banking, or any other digital payment methods.

Before using this Service, it is recommended that the customer shall make a necessary inquiry about the charges or fees payable against the Credit/Debit card used from Credit Card or the Debit Card service provider i.e. the respective Bank.

The credit card information supplied at the time of using the service is processed by the payment gateway of the service provider and is not supplied to Marham. It is the sole responsibility of the Customer of the service to ensure that the information entered in the relevant fields are correct. It is recommended that you take and retain a copy of the transaction for record-keeping purposes, which might assist in the resolution of any disputes that may arise out or usage of the service

The Customer agrees, understands, and confirms that his/ her personal data including without limitation details relating to debit card/ credit card/net banking transmitted over the Internet may be susceptible to misuse, hacking, theft, and/ or fraud and that Marham or the Payment Service Provider(s) have no control over such matters.

The service is provided using a payment gateway service provider through a secure website. However, neither the payment gateway service provider nor Marham gives any assurance, that the information so provided online by a customer is secured or may be read or intercepted by a third party. Marham does not accept or assume any liability in the event of such unauthorized interception, hacking, or other unauthorized access to information provided by a customer of the service.

Marham and/or the Payment Service Providers shall not be liable for any inaccuracy, error or delay in, or omission of (a) any data, information or message, or (b) the transmission or delivery of any such data, information or message; or (c) any loss or damage arising from or occasioned by any such inaccuracy, error, delay or omission, non-performance or interruption in any such data, information or message. Under no circumstances shall the Marham and/or the Payment Service Providers, its employees, directors, and its third-party agents involved in processing, delivering, or managing the Services, be liable for any direct, indirect, incidental, special or consequential damages, or any damages whatsoever, including punitive or exemplary arising out of or in any way connected with the provision of or any inadequacy or deficiency in the provision of the Services or resulting from unauthorized access or alteration of transmissions of data or arising from suspension or termination of the Service.

The Customer agrees that Marham or any of its employees will not be held liable By the Customer for any loss or damages arising from your use of, or reliance upon the information contained on the Website, or any failure to comply with these Terms and Conditions where such failure is due to circumstances beyond Marham’s reasonable control. Debit/Credit Card, Bank Account Details.

The Customer agrees that the debit/credit card details provided by him/ her for use of the aforesaid Service(s) must be correct and accurate and that the Customer shall not use a Debit/ credit card, that is not lawfully owned by him/ her or the use of which is not authorized by the lawful owner thereof. The Customer further agrees and undertakes to Provide correct and valid debit/credit card details.

The Customer warrants and confirms that when he/ she initiates a payment transaction and/or issues an online payment instruction and provides his/ her card/bank details.

The Customer is responsible to ensure that the card/ bank account details provided by him/ her are accurate.

The Customer authorizes debit of the nominated card/ bank account for the payment of fees selected by such Customers along with the applicable Fees.

The Customer is responsible to ensure that sufficient credit is available on the nominated card/ bank account at the time of making the payment to permit the Payment of the dues payable or fees dues selected by the Customer inclusive of the applicable Fee.

For any online prepaid appointment, the customer can cancel his/her scheduled appointment without any charges. In such cases, we will refund the amount paid for the appointment subject to bank charges and other deductions by third parties.

Appointment cancellation has to be carried out by the customer. We do not entertain cancelation requests from in-direct customer referance.

Occasionally, appointments may be canceled or postponed by the Third Party Service Provider (Doctor, Clinic, Hospital, Lab, etc.). Should this occur, we will attempt to contact and inform the customer and he/she may reschedule the appointment as per their convenience or visit Marham web/app for re-booking.

A Customer may reschedule his/her appointment i.e. book an appointment for a different date and time; with the same Third Party Service Provider for the same type of healthcare service, till 1 hour before the appointment.

All re-schedule requests will be subject to bank processing fees and these charges will be applied as-is to the customer.

In the case of re-scheduling, if there is any difference in the charges for the re-scheduled appointment, we will collect the differential amount from the customer.

Upon receipt of a valid cancellation request, as mentioned in clause 1.1, we will initiate a refund of the customer’s advance payment. The advance amount may be refunded through IBFT or by reversing the processed transaction or into the Marham wallet within the Marham app.

Typically, all refunds are processed within 24 working hrs.

Please note that we shall not be responsible for any delays in credit to the Cardholder's credit card account/ accountholder’s bank account due to any reasons cited by the Payment Gateway or Cardholder's issuing bank.

You will be provided with a refund reference number for further communication with your bank.

No refunds/cancellation requests shall be entertained in case of payment against bills / Services received.

Under no circumstances, cash will be refunded against any cancellation.

No warranty, representation or guarantee, express or implied, is given by Marham in respect of the operation of the service.

These terms and conditions are governed by the laws of Pakistan and the competent courts at Lahore shall have exclusive jurisdiction.

Any dispute arising in relation to the terms and conditions will be submitted to a sole arbitrator appointed by Marham under the provisions of the Arbitration Act, 1940, and any applicable rules thereunder. The venue of Arbitration shall be at Lahore.

All payment details which are entered through this payment gateway are encrypted when the customer enters them. Marham shall not be liable for any failure by the Customer making the payment to properly protect data from being seen on their screen by other persons or otherwise obtained by such other persons, during or after the online payment process.

Marham reserves the right to vary these Terms and Conditions from time to time and the current version will be published on this website. Marham also reserves the right to decline the acceptance of the online payment without assigning any reason.

The Marham Platform provides a digital network that functions as a marketplace where persons (“Users”) who seek personal healthcare services and/or other services (“Services”) can be matched with persons, including “Doctors” who can provide the Services. Any decision by a User to make use of or accept Services is a decision made in such User’s sole discretion. Each Service provided by a Doctor or other third party provider to a User shall constitute a separate agreement between such persons. In the case of virtual service (i.e. online video consultation) provided by a Doctor or other third party provider, Marham and the third-party service provider will try to provide the best service to Users. The virtual visit is not the physical visit and in the case of a virtual visit Marham and the third-party service provider can not be held liable for any direct or indirect loss to the Users. YOU ACKNOWLEDGE THAT NEITHER Marham NOR ITS AFFILIATES PROVIDE MEDICAL OR HEALTHCARE SERVICES OR FUNCTION AS A MEDICAL OR HEALTHCARE SERVICE PROVIDER, OR OWN ANY PRACTICE FOR MEDICAL OR HEALTHCARE SERVICES AND THAT ALL SUCH SERVICES ARE PROVIDED BY INDEPENDENT THIRD PARTY CONTRACTORS WHO ARE NOT EMPLOYED BY Marham OR ANY OF ITS AFFILIATES.

When you register on our site we may collect information including


Email Address (for international patients only)

Phone Number

Mailing Address in case of medicine delivery and lab test home sample collection

Yes, your payment is secure. We have partnered with third-party vendors for payment processing who make sure your payment is secure according to the latest security standards

No, Marham does not store any information related to credit cards, online wallets, bank accounts, and any other financial information.

All sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential.

We collect the said information when you register on our site through the web or via the Marham app.

You can use checking, savings, debit or credit cards, online wallets, and other digital payment methods to pay for your appointments.

There are no additional service charges for making an online payment for appointments.

Please refer to the refund policy section in terms and conditions.