Section 01
Acceptance of Terms
By accessing or using this website, you agree to these Terms and to use the site only for lawful purposes. If you do not agree, you should not use the website.
Acceptance of Terms
By accessing or using this website, you agree to these Terms and to use the site only for lawful purposes. If you do not agree, you should not use the website.
Section 02
Scope of Services
The website provides general information about insurance selection services for retirees and related support. Any descriptions of services are for informational purposes only and do not create a binding offer.
Operational ledger
03
Scope, use, or payment condition
Fees and Charges
Any fees, charges, or commercial terms that may apply to a service will be communicated separately before any engagement is confirmed. We may decline or limit service where appropriate.
04
Cancellation, renewal, or service condition
User Conduct
You agree not to misuse the website, interfere with its operation, attempt unauthorized access, or submit inaccurate or unlawful information. We may suspend access if we reasonably believe the site is being misused.
05
Clause Area
Intellectual Property
All text, design, graphics, and other content on this website are owned by or licensed to us and are protected by applicable intellectual property laws. You may not copy, reproduce, or distribute such content without prior written permission.
Document
Federal Board of Revenue Pakistan
06
Clause Area
Disclaimer of Warranties
The website and its content are provided on an as-is and as-available basis. To the fullest extent permitted by law, we disclaim warranties of accuracy, completeness, fitness for a particular purpose, and uninterrupted availability.
Document
Competition Commission of Pakistan
07Clause Record
Governing Law
These Terms are governed by the laws generally applicable in Pakistan, without regard to conflict of law rules. Any dispute arising from the website or these Terms should be addressed through good-faith negotiation before any formal proceeding.
ReferenceWIPO
08Clause Record
Changes to Terms
We may update these Terms from time to time by posting a revised version on this website. Continued use of the website after an update means you accept the revised Terms, and you should review them periodically.
ReferenceUN Declaration