Privacy policy.

This Privacy Policy describes how Muniff Ziauddin & Co. (“MZ & Co.”, “we”, “our”, or “us”) — an independent member firm of BKR International — collects, uses, shares and safeguards personal information when you visit bkrpakistan.com or engage with us for professional services.

It applies to all visitors of our website, prospective clients, clients, candidates applying through our careers section, and any other individuals whose personal information we may process in the course of our work.

We only collect personal information that is necessary for the purpose it is being processed for. Depending on how you interact with us, this may include:

• Identification & contact details — name, email, phone number, company, designation and any details you choose to share in a message.
• Engagement information — financial records, tax filings, statutory documents and other materials you provide so we can deliver assurance, tax, advisory or BPO services.
• Recruitment information — CV, qualifications, references and any other details submitted through our induction or careers forms.
• Technical & usage data — IP address, browser type, device information, referring page, and pages viewed on our site, collected through cookies and similar technologies.

We use the information we collect to:

• Respond to inquiries and route your message to the relevant partner or practice.
• Deliver, administer and bill the professional services you have engaged us for.
• Comply with our legal, regulatory and professional obligations — including those of the Institute of Chartered Accountants of Pakistan, the State Bank of Pakistan, the FBR and other regulators.
• Evaluate candidates for employment, training contracts and internships.
• Operate, secure and improve our website and understand how visitors use it.
• Send relevant updates, insights and event invitations where you have consented to receive them.

We process personal information only where we have a lawful basis to do so — typically because it is necessary to perform a contract with you, comply with a legal or regulatory obligation, pursue our legitimate interests as a professional services firm, or because you have given us your consent. Where consent is the basis, you may withdraw it at any time by contacting us.

We treat your information as confidential. We do not sell personal data. We may share it only where necessary with:

• Member firms of BKR International, where a cross-border engagement requires their involvement.
• Regulators, courts and government authorities where we are legally required to do so.
• Trusted service providers (for example IT, hosting, audit-support and communications tools) who act on our instructions under written confidentiality terms.
• Advisors, auditors and insurers where reasonably needed to protect our rights or comply with the law.

Our website uses a small number of cookies and similar technologies. Some are strictly necessary for the site to function; others help us understand how the site is used so we can improve it.

When you first visit our site you will see a cookie notice. You can accept or decline non-essential cookies at any time, and you can also control cookies through your browser settings. Declining non-essential cookies will not affect your ability to use the site.

We retain personal information only for as long as needed to fulfil the purpose for which it was collected, satisfy our professional and regulatory record-keeping obligations (which can extend to several years after an engagement closes), and to resolve any disputes or enforce our agreements.

We maintain appropriate technical, organisational and physical safeguards designed to protect personal information against unauthorised access, disclosure, alteration or destruction. Access to client and candidate information is restricted to staff who need it to perform their work, and all our personnel are bound by professional duties of confidentiality.

Subject to applicable law, you have the right to:

• Request access to the personal information we hold about you.
• Ask us to correct information that is inaccurate or incomplete.
• Ask us to delete information where we no longer have a lawful reason to retain it.
• Object to, or ask us to restrict, certain processing activities.
• Withdraw consent where our processing is based on consent.

To exercise any of these rights, write to us at the address below. We will respond within a reasonable timeframe and may need to verify your identity before acting on the request.

Our website and services are not directed to children under 16. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can remove it.

We may update this policy from time to time to reflect changes in our practices or in the law. The “last updated” date at the top of this page will always show when it was most recently revised. Where changes are significant, we will take reasonable steps to bring them to your attention.

If you have any questions about this policy or how we handle your information, please reach out:

• Email: info@mzco.com.pk
• Mail: Muniff Ziauddin & Co., Business Executive Center, F-17, Block 8, Clifton, Karachi, Pakistan.

You may also visit our contact page to reach the desk that fits your question.