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   Disclaimer

 THE USER OF Sbi Gift IS PRESUMED TO HAVE READ ALL THE TERMS AND CONDITIONS HEREIN AND FAQ AND IS DEEMED TO HAVE AGREED, UNDERSTOOD AND ACCEPTED UNCONDITIONALLY ALL THE TERMS, CONDITIONS, PROCEDURES AND RISKS OF USING THE SERVICES AND CAN NOT AT ANY TIME CLAIM IGNORANCE OF ANY OR ALL OF THEM. ALL RELATIONSHIP OF ANY USER WHERESOEVER SITUATED IS GOVERNED BY AND IN ACCORDANCE WITH THE LAWS OF NATIONAL CAPITAL TERRITORY, ISLAMABAD, PAKISTAN.