TERMS AND CONDITIONS

Welcome to www.tasdeeq.com, a brand of Aequitas Information Services Limited, also hereby known as “we”, “us” “they” “our” or “Tasdeeq”. We are a credit bureau duly licensed by the State Bank of Pakistan under the provisions of Credit Bureaus Act, 2015, and its ancillary rules and regulations (the “CB Laws”). Our services include provision of credit information reports (CIRs), credit score etc. (the “Services”) to various customers (the “User/Users”) in compliance with the CB Laws, accessing our site along with its related sub-domains, sites, mobile app, services and tools (“Site/Sites”).

Please read the following terms and conditions (“Terms” / “User Agreement”) which govern your access and use of Tasdeeq. These also contain important information about your rights and obligations, as well as limitations and exclusions that apply to your use of Tasdeeq.

By using the Site, you hereby accept these Terms (including the linked information herein) and represent that you agree to comply with these Terms. This User Agreement is deemed effective upon your use of the Site which signifies your acceptance of these Terms. If you do not agree to be bound by this User Agreement please do not access, register with or use this Site. 

Tasdeeq reserves the unfettered right to change, modify, add, or remove portions of these Terms at any time without any prior notification. Changes will be effective when posted on the Site with no other notice provided. Please keep yourself updated regarding these Terms. Your continued use of the Site following the posting of changes to these Terms of use constitutes your acceptance of those changes.

1. CONDITIONS OF USE
2. Registration

You are the sole authorized User of any account (“Account”) you create using the Site. Your action of successful registration constitutes your acceptance of these Terms and the Privacy Policy, and you state that you are not less than 18 (eighteen) years of age. Registration is free of charge. Mere registration creates no entitlement for provision of the Services through the Site. The data required for registration provided by the User must be complete and accurate. The User is responsible for updating its/his/her own data that can be amended at any time from the respective interface of the Site. Tasdeeq has no responsibility over the use of the User Account and expressly disclaims any liability therefrom. Should a User suspect that any unauthorized party might be using its/his/her Account that User is under an obligation to notify Tasdeeq immediately by emailing us at info@tasdeeq.com. By providing the personal details to Tasdeeq at the time of registration and pursuant to the use of the Site, the User hereby affirmatively consents to our use of its/his/her personal details for contacting it/him/her directly in order to perform the Services, including but not limited to, occasionally sending notifications, text messages with promotional offers, service updates and reaching out to the User to survey regarding the quality of the Site. Notwithstanding anything contained herein, Tasdeeq at its sole discretion reserves the right to restrict, suspend, or terminate the User’s Account if it is believed that the User is or may be in breach of this User Agreement or law or is misusing the Services.

2. User’s Accounts

Users must be registered on the Site to access or use our Services. Except with the Tasdeeq’s approval, one User may only register one Account on the Site. Tasdeeq may cancel or terminate a User’s Account if it has reasons to suspect that a User has concurrently registered or is controlling two or more Accounts. Further, Tasdeeq may reject User’s application for registration for any other reason.

Upon registration on the Site, Tasdeeq shall assign an account and issue a User ID and password (the latter shall be chosen by a User during registration) to each User (“User ID”). An Account may have a web-based email account with limited storage space for the User to send or receive emails.

Each User ID is unique to each Account. Each User shall be solely responsible for maintaining the confidentiality and security of their User ID and for all activities that occur under their Account. No User must share, assign, or permit the use of its/his/her User ID by another person outside of the User’s own business or use. Users agrees to notify Tasdeeq immediately if they become aware of any unauthorized use of their password or account or any other breach of security of their Account.

All Users agree that all the activities that occur under their Account (including without limitation, posting any information, clicking to accept any additional agreements or rules, subscribing to any Services, sending emails using the email account or sending short messaging services) will be deemed to have been authorized by the User.

All Users acknowledge that sharing of their Account with other persons, or allowing multiple User outside of their business to use their Account (“Multiple use”), may cause irreparable harm to Tasdeeq or other Users of the Sites. Users shall completely indemnify Tasdeeq, our affiliates, directors, employees, agents and representatives against any loss or damages (including but not limited to loss of profits) suffered as a result of the Multiple use of their Account. Users also agree that in case of the Multiple use of their Account or User’s failure to maintain the security of their Account, Tasdeeq shall not be liable for any loss or damages arising from such a breach and shall have the right to suspend or terminate User’s Account without liability to the respective User.

3. Users’ Responsibilities:

 All Users represent, warrant and agree that:

• they shall have complete power and authority to accept the Terms and to perform the obligations hereunder;
• they use the Sites and Services for their personal or business purposes only; and
• the address they provide when registering with Tasdeeq, must be the principal place of business of their business or their actual residential address.  For purpose of this provision, a branch or liaison office will not be considered a separate entity and their principal place of business will be deemed to be that of their head office.

The Users shall be required to provide information or material about theirselves including, but not limited to, their names, address, identity details, as part of the registration process on the Sites or their use of any of the Services or the User Account. Each User represent, warrant and agree that:

• such information and material whether submitted during the registration process or thereafter throughout the continuation of the use of the Sites or Services is true, accurate, current and complete, and
• they shall maintain and promptly amend all information and material to keep it true, accurate, current and complete.

Upon becoming a User, they consent to the inclusion of the contact information about them in our User database and authorize Tasdeeq and our affiliates to share the contact information with other Users or otherwise use their personal information in accordance with the Privacy Policy.

All Users represent, warrant and agree that:

• they shall be solely responsible for obtaining all necessary third-party licenses and permissions regarding any user content (“User Content”) that they submit;
• any User Content that they submit does not infringe or violate any of the copyright, patent, trademark, trade name, trade secrets or any other personal or proprietary rights of any third party (“Third Party Rights”);
• they have the right and authority to render, trade, distribute or export or offer to render, trade, distribute or export their respective services described in the User Content and that such trade, distribution or export or offer does not violate any Third Party Rights; and
• they and their affiliates are not the subject of any restrictions, sanctions or other legal restrictions enacted by the Islamic Republic of Pakistan or any country, international organization or jurisdiction.

All Users further represent, warrant, and agree that the User Content that they submit shall:

• be true, accurate, complete and lawful;

• not be false, misleading or deceptive;

• not contain information that is defamatory, libelous, threatening or harassing, obscene, objectionable, offensive, sexually explicit or harmful to minors;

• not contain information that is discriminatory or promotes discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age;

• not violate the Services listed on the Site, other terms or any applicable additional agreements;

• not violate any applicable laws and regulations or promote any activities which may violate any applicable laws and regulations;

• not contain any link directly or indirectly to any other web sites which include any content that may violate the Terms.

All Users further represent, warrant and agree that they shall:

• carry on their activities on the Sites in compliance with any applicable laws and regulations;
• conduct their business with other Users of the Sites in good faith;
• carry on their activities in accordance with the Terms and any applicable additional agreements;
• not use the Services or Sites to defraud any person or entity;
• not impersonate any person or entity, misrepresent themselves or their affiliation with any person or entity;
• not engage in spamming or phishing;
• not engage in any other unlawful activities (including without limitation those which would constitute a criminal offence, give rise to civil liability, etc.) or encourage or abet any unlawful activities;
• not involve in any attempts to copy, reproduce, exploit or expropriate Tasdeeq’s various proprietary directories, databases and listings;
• not involve any computer viruses or other destructive or interruptive devices and codes that have the effect of damaging, interfering with, intercepting or expropriating any software or hardware system, data or personal information;
• not involve in any scheme to undermine the integrity of the data, systems or networks used by Tasdeeq and/or any User of the Sites or gain unauthorized access to such data, systems or networks;
• not, and their director(s), officer(s), controlling party/ies, affiliates and legal jurisdiction in which any of the foregoing persons or entities are organized or have operations are not persons or entities that are subject to any economic or fraud sanctions of any governmental, international or regulatory entities/authorities; and
• not engage in any activities that would otherwise create any liability for Tasdeeq or our affiliates.

Users may not use the Services and User ID to engage themselves in activities which are identical or similar to Tasdeeq’s business.

Users agree to provide all necessary information, materials and approval, and render all reasonable assistance and cooperation necessary for Tasdeeq’s provision of the Services, evaluating whether the User has breached the Terms and/or handled any complaint(s). User’s failure to do so results in delay in, or suspension or termination of, the provision of any Services, Tasdeeq shall not be obliged to extend the relevant Service period nor shall be liable for any loss or damages arising from such delay, suspension, or termination.

Users acknowledge and agree that Tasdeeq shall not be required to actively monitor nor exercise any editorial control whatsoever over the content of any message or material or information created, obtained or accessed through the Services or Sites.

Users acknowledge and agree that each User is solely responsible for observing applicable laws and regulations in its respective jurisdictions to ensure that all use of the Sites and Services are in compliance with the same.

4. Permission to Use the Site

We grant you a limited permission to access and make personal use of this Site, but not to download (excluding page caches) or modify the Site or any portion of it in any manner. This permission does not include any resale or commercial use of this Site or its contents; any collection and use of any service listings, descriptions, or any derivative use of this Site or its contents; any downloading or copying of account information for the benefit of another User; or any use of data mining, robots, or similar data gathering and extraction tools.

This Site or any portion of it (including but not limited to any copyrighted material, trademarks, or other proprietary information) may not be reproduced, duplicated, copied, sold, resold, visited, distributed or otherwise exploited for any commercial purpose without express written consent by us as may be applicable.

You may not frame or use framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) without our express written consent. You may not use any meta tags or any other text utilizing our name or trademark without our express written consent, as applicable. Any unauthorized use terminates the permission granted by us to you for access to the Site with no prior notice. You may not use our logo or other proprietary graphic or trademark as part of an external link for commercial, personal or other purposes without our express written consent, as may be applicable.

You agree and undertake not to perform restricted activities listed within this section; undertaking these activities will result in an immediate cancellation of User Account, Services, reviews, or any existing incomplete business with us and in severe cases may also result in legal action on:

• refusal to comply with the Terms described herein or any other guidelines and policies related to the use of the Site as available on the Site at all times;
• impersonate any person or entity or to falsely state or otherwise misrepresent your affiliation with any person or entity;
• use the Site for illegal purposes;
• attempt to gain unauthorized access to or otherwise interfere or disrupt other computer systems or networks connected to the Sites or Services;
• interfere with other User’s utilization and enjoyment of the Site;

• transmit through the Site any prohibited materials as deemed illegal by the Islamic Republic of Pakistan; and/or
• use or upload, in any way, any software or material that contains, or which you have reason to suspect that contains, viruses, damaging components, malicious code or harmful components which may impair or corrupt the Site’s data or damage or interfere with the operation of another User’s computer or mobile device or the Site and use the Site other than in conformance with the acceptable use policies of any connected computer networks, any applicable internet standards and any other applicable laws.

You agree not to undertake any action to undermine the integrity of the computer systems or networks of Tasdeeq and/or any other User nor to gain unauthorized access to such computer systems or networks.

You also agree not to undertake any action which may undermine the integrity of Tasdeeq feedback system, such as leaving positive feedback for yourself using secondary User IDs or through third parties or by leaving unsubstantiated negative feedback for another User.

By posting any information, content or material on the Sites or providing any User Content to Tasdeeq or our representative(s), and to the extent permitted under applicable laws, you grant an irrevocable, perpetual, worldwide, royalty-free, and sub-licensable (through multiple tiers) license to Tasdeeq to display, transmit, distribute, reproduce, publish, duplicate, adapt, modify, translate, create derivative works, and otherwise use any or all of the User Content in any form, media, or technology now known or not currently known in any manner and for any purpose which may be beneficial to the operation of the Sites, the provision of any Services and/or the business of the User. You confirm and warrant to Tasdeeq that you have all the rights, power and authority necessary to grant the above license. Information that is protected under data protection laws will only be used and kept in compliance with those laws.

6. Conduct of Users

You must not use the Site in any way that causes, or is likely to cause, the Site or access to it to be interrupted, damaged or impaired in any way. You must not engage in activities that could harm or potentially harm Tasdeeq, its employees, officers, representatives, stakeholders or any other party directly or indirectly associated with the Site or access to it to be interrupted, damaged or impaired in any way. You understand that you, and not us, are responsible for all electronic communications and content sent from your computer to us and you must use the Site for lawful purposes only. You are strictly prohibited from using the Site:

• for fraudulent purposes, or in connection with a criminal offense or other unlawful activity.
• to send, use or reuse any material that does not belong to you; or is illegal, offensive (including but not limited to material that is sexually explicit content or which promotes racism, bigotry, hatred or physical harm), deceptive, misleading, abusive, indecent, harassing, blasphemous, defamatory, libelous, obscene, pornographic, pedophilic or menacing; ethnically objectionable, disparaging or in breach of copyright, trademark, confidentiality, privacy or any other proprietary information or right; or is otherwise injurious to third parties; or relates to or promotes money laundering or terrorism; or is harmful to minors in any way; or impersonates another person; or threatens the unity, integrity, security or sovereignty of the Islamic Republic of Pakistan or friendly relations with foreign states; or objectionable or otherwise unlawful in any manner whatsoever; or which consists of or contains software viruses, political campaigning, commercial solicitation, chain letters, mass mailings or any “spam”.
• to cause annoyance, inconvenience or needless anxiety.
• to any other purposes that is other than what is intended by us.

7. Submissions by Users

Anything that you submit to the Site and/or provide to us, including but not limited to, questions, reviews, comments, and suggestions (collectively, “submissions”) will become our sole and exclusive property and shall not be returned to you. In addition to the rights applicable to any submission, when you post comments or reviews to the Site, you also grant us the right to use the name that you submit, in connection with such review, comment, or other content. You shall not use a false e-mail address, pretend to be someone other than yourself or otherwise mislead us or third parties as to the origin of any submissions. We may, but shall not be obligated to, remove or edit any submissions without any notice or legal course applicable to us in this regard. 

8. Breaches by Users

Tasdeeq reserves the right in their sole discretion to remove, modify or reject any User Content that Users submit to post on the Sites which they reasonably believe is unlawful, violates the Terms, or could subject Tasdeeq or their affiliates to a certain liability, and is otherwise found inappropriate in Tasdeeq’s reasonable opinion.

If any User breaches any Terms, or if Tasdeeq has reasonable grounds to believe that a User is in breach of any Terms, Tasdeeq shall have the exclusive right to take such disciplinary actions as they deem appropriate, including without limitation: 

• suspending or terminating the User’s Account and any or all accounts determined to be related to such Account by Tasdeeq in their discretion;
• restricting, downgrading, suspending or terminating the subscription of, access to, or current or future use of any of the Services;
• removing any User Content that the User has submitted , or imposing restrictions on the limits of  User Content that the User may post or display;
• imposing other restrictions on the User’s use of any features or functions of any service as Tasdeeq may consider appropriate in their sole discretion; and
• any other corrective actions, discipline or penalties as Tasdeeq may deem necessary or appropriate in their sole discretion.

Without limiting the generality of the provisions of the Terms, a User would be considered as being in breach of the Terms in any of the following circumstances:

• upon complaint or claim from any third party, Tasdeeq has reasonable grounds to believe that such User has willfully or materially failed to perform their contract with such third party.
• Tasdeeq has reasonable grounds to suspect that such User has used a stolen credit/debit card or other false or misleading information in any transaction with a counter party,
• Tasdeeq has reasonable grounds to suspect that any information provided by the User is not current or complete or is untrue, inaccurate, or misleading, or
• Tasdeeq believes that the User’s actions may cause financial loss or legal liability to Tasdeeq or their affiliates or any of the other Users.

Tasdeeq reserves the right to cooperate fully with governmental authorities, private investigators and/or injured third parties in the investigation of any suspected criminal or civil wrongdoing.  Further, to the extent permitted by applicable laws and policies, Tasdeeq may disclose the User’s identity, contact information and/or information regarding the User’s Account(s), transactions or activities carried out on or via the Sites, if requested by a government or law enforcement body, an injured third party, or as a result of a subpoena, notice or other legal action. Tasdeeq shall not be liable for damages or results arising from such disclosure, and Users agree not to bring any action or claim against Tasdeeq for such disclosure.

Tasdeeq may, at any time and in their reasonable discretion, impose limitations, suspend or terminate the User’s use of any Services or the Sites without being liable to the Users if Tasdeeq has received notice that the User is in breach of any agreement or undertaking with any affiliate of Tasdeeq such breach involves or is reasonably suspected of involving dishonest or fraudulent activities. Tasdeeq shall not be required to investigate such breach or request confirmation from the User.

Each User agrees to indemnify Tasdeeq, our affiliates, directors, employees, agents and representatives and to hold them harmless, from any and all damages, losses, claims and liabilities (including legal costs on a full indemnity basis) which may arise from your submission of any User Content, from your use of the Sites or Services, or from your breach of the Terms.

Each User further agrees that Tasdeeq is not responsible, and shall have no liability to you or anyone else for any User Content or other material transmitted over the Sites, including fraudulent, untrue, misleading, inaccurate, defamatory, offensive or illicit material and that the risk of damage from such material rests entirely with each User. Tasdeeq reserves the right, at the expense of the Users, to assume the exclusive defense and control of any matter otherwise subject to indemnification by the Users, in such event the Users shall cooperate with Tasdeeq in asserting any available defenses.

• PROVISION OF CIR

• The CIR provided to you is based upon the data that is relevant at the time of the request. You therefore acknowledge and accept that the accuracy and/or relevance of report may change upon receiving the report. 
• Tasdeeq will use best efforts to ensure an acceptable level of quality of data as received from its members. However, Tasdeeq does not guarantee the timeliness, correctness or completeness of the information included in the report. 
• The information contained in this report has been compiled from data provided by financial institutions and does not represent the opinion of Tasdeeq with regards to the credit worthiness of the subject. Tasdeeq does not accept any responsibility for any loss including consequential, incidental, indirect, exemplary or special damages, including lost profits that may arise from relying on this information. Neither Tasdeeq, nor its officers, directors, employees or agents shall be liable for any claim, injury or damages suffered.
• Tasdeeq shall not be responsible for any failure to generate a CIR in the event the bank or credit financial institution that you are a customer of ceases to provide data to us. 

• DISCLAIMERS AND LIABILITIES

Please review our Privacy Policy, which also governs User’s visit to the Site. The personal information / data provided to us by you or your use of our Sites will be treated as strictly confidential, in accordance with the privacy agreement and applicable laws and regulations. If you object to your information being transferred or used in the manner specified in the privacy agreement, please Do Not use the Site.

• Site only for Communication

All Users agree, understand and acknowledge that the Site is an online platform that enables them to collect their CIR, credit scoring etc. Users further agree and acknowledge that we are only a facilitator and cannot be a party to or control in any manner any transactions on the Site.

• Continued Availability of the Site

We will do our utmost to ensure that access to the Site is consistently available and is uninterrupted and error-free. However, due to the nature of the internet and the nature of the Site, this cannot be guaranteed. Additionally, your access to the Site may also be occasionally suspended or restricted to allow for repairs, maintenance, or the introduction of new facilities or Services at any time without prior notice. We will attempt to limit the frequency and duration of any such suspension or restriction.

• Claims Against Objectionable Content

We operate on a “claim, review and takedown” basis. If you believe that any content on the Site is illegal, offensive (including but not limited to material that is sexually explicit content or which promotes racism, bigotry, hatred or physical harm), deceptive, misleading, abusive, indecent, harassing, blasphemous, defamatory, libelous, obscene, pornographic, pedophilic or menacing; ethnically objectionable, disparaging; or is otherwise injurious to third parties; or relates to or promotes money laundering or gambling; or is harmful to minors in any way; or impersonates another person; or threatens the unity, integrity, security or sovereignty of the Islamic Republic of Pakistan or friendly relations with foreign states; or objectionable or otherwise unlawful in any manner whatsoever; or which consists of or contains software viruses, (“Objectionable Content”), please notify us immediately by following by writing to us on info@tasdeeq.com we will make all practical endeavors to investigate and remove valid Objectionable Content complained about within a reasonable amount of time.

Please ensure to provide your name, address, contact information and as many relevant details of the claim including name of Objectionable Content party, instances of objection, proof of objection amongst other. Please note that providing incomplete details will render your claim invalid and unusable for legal purposes.

• Claims Against Infringing Content

We respect the intellectual property of others. If you believe that your intellectual property rights have been used in a way that gives rise to concerns of infringement, please write to us at info@tasdeeq.com and we will make all reasonable efforts to address your concern within a reasonable amount of time. Please ensure to provide your name, address, contact information and as many relevant details of the claim including name of infringing party, instances of infringement, proof of infringement amongst other. Please note that providing incomplete details will render your claim invalid and unusable for legal purposes. In addition, providing false or misleading information may be considered a legal offense and may be followed by legal proceedings.

While we cannot provide legal advice, nor share private information as protected by the law, we recommend that any questions or concerns regarding your rights may be routed to a legal specialist.

• Disclaimer of Liability

You acknowledge and undertake that you are accessing the Services on the Site and transacting at your own risk and are using your best and prudent judgment before entering into any transactions through the Site. We shall both be liable nor responsible for any actions or inactions of Users nor any breach of conditions, and hereby expressly disclaim any and all responsibility and liability in that regard. 

While we have taken precautions to avoid inaccuracies in content of this Site, all content, information, software, Services and related graphics are provided as is, without warranty of any kind. We do not implicitly or explicitly support or endorse the rendering or acquiring of any services on the Site. At no time shall any right, title or interest in the Services offered through or the Site vest with us nor shall Tasdeeq have any obligations or liabilities in respect of any transactions on the Site. 

We will not be responsible for any business or personal losses (including but not limited to loss of profits, revenue, contracts, anticipated savings, data, goodwill, or wasted expenditure) or any other indirect or consequential loss that is not reasonably foreseeable to both you and us when you commenced using the Site.

Any material downloaded or otherwise obtained through the Sites is done at each User’s sole discretion and risk and each User is solely responsible for any damage to Tasdeeq computer system or loss of data that may result from the download of any such material. No advice or information, whether oral or written, obtained by any User from Tasdeeq or through or from the Sites shall create any warranty not expressly stated herein. 

• Limitation of Liability

You agree that neither Tasdeeq nor its employees, directors and personnel shall be liable for any direct, indirect, incidental, special, consequential or exemplary damages arising out of or in connection with (i) your use of the Site, (ii) the liability of any User, and (iii) in connection with the Services availed through the Site. You further agree that Tasdeeq shall not be liable for any damages arising from interruption, suspension or termination of Services, including without limitation any direct, indirect, incidental, special, consequential or exemplary damages, whether such interruption, suspension or termination was justified or not, negligent or intentional, inadvertent or advertent.

• Refund Policy

You agree that you shall adhere to the below mentioned terms for filing of refunds/claims:

• Customer may file a claim for refund, if customer has paid fee to TASDEEQ and the product/service is not generated/delivered to the customer due to a fault in TASDEEQ system.

1. Customer is advised to provide details of payment, such as the mode of payment and transaction receipt. 
2. TASDEEQ shall evaluate the claim of customer and customer will be intimated of its appraisal. 
3. For approved refunds customer will receive product or the paid amount within 10 working days of filing of claim.

Please Note:

There will be no refund, In cases where, a discrepancy/incorrected information is depicted on TASDEEQ CIR or any other product/service. In such cases customers are required to file complaint through the Complaint/Dispute Handling Mechanism as per TASDEEQ T&Cs. 

• Indemnity

You agree to defend, indemnify and hold harmless Tasdeeq and its officers, directors, employees, agents and affiliates (each, an “Indemnified Party”), from and against any losses, claims, actions, costs, damages, penalties, fines and expenses, including without limitation attorneys’ fees and expenses, that may be incurred by an Indemnified Party arising out of, relating to or resulting from your unauthorized use of the Site or from any breach by you of these Terms, including without limitation any actual or alleged violation of any federal, provincial or local statute, ordinance, administrative order, rule or regulation. Tasdeeq shall provide notice to you promptly of any such claim, suit or proceeding and shall have the right to control the defense of such action, at your expense, in defending any such claim, suit or proceeding. You agree that this clause shall survive termination of this User Agreement.

• TRADEMARKS AND COPYRIGHTS

Tasdeeq.com, Tasdeeq logo, Tasdeeq, and other marks indicated on our Site are trademarks or registered trademarks in the relevant jurisdiction(s). Our graphics, logos, page headers, button icons, scripts and Service names are the trademarks or trade dress and may not be used in connection with any service that does not belong to us or in any manner that is likely to cause confusion among Users, or in any manner that disparages or discredits us. All other trademarks that appear on this Site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by us.

All intellectual property rights, whether registered or unregistered, in the Site, information content on the Site and all the website design, including, but not limited to text, graphics, software, photos, video, music, sound, and their selection and arrangement, and all software compilations, underlying source code and software shall remain our property. The entire contents of the Site also are protected by copyright as a collective work under Pakistani copyright laws and international conventions. All rights are reserved.

Our software includes any software (including any updates or upgrades to the software and any related documentation) that we make available to you from time to time for your use in connection with the Site (“Software”).

You may use the Software solely for purposes of enabling you to use and enjoy our Services as permitted by these Terms and any related applicable terms as available on the Site. You may not incorporate any portion of the Software into your own programs or compile any portion of it in combination with your own programs, transfer it for use with another service, or sell, rent, lease, lend, loan, distribute or sub-license the Software or otherwise assign any rights to the Software in whole or in part. You may not use the Software for any illegal purpose. We may cease providing you Services and we may terminate your right to use the Software at any time. Your rights to use the software will automatically be terminated without notice from us if you fail to comply with any of the Terms listed herein or across the Site. Additional third-party terms contained within the Site or distributed as such that are specifically identified in related documentation may apply and will govern the use of such Software in the event of a conflict with these Terms. All Software used in any of our Services is our property and/or our affiliates or its Software suppliers and protected by the laws of Pakistan including but not limited to any other applicable copyright laws.

You may not, and will not encourage, assist or authorize any other person to copy, modify, reverse engineer, decompile or disassemble, or otherwise tamper with our Software whether in whole or in part, or create any derivative works from or of the Software.

• PRICING

Price of single credit report with credit score: Rs. 199
Price os Subscription package: Rs. 599 (unlimited Credit reports for 6 months, subject to fair usage policy)
Price of Phone number update: Rs. 100

• GENERAL PROVISIONS

1. Communicating with Us

When you visit the Site, or send e-mails to us, you are communicating with us electronically. You will be required to provide a valid phone number while placing an order with us. We may communicate with you by e-mail, short messaging service, and phone call or by posting notices on the Site or by any other mode of communication we choose to employ. For contractual purposes, you consent to receive communications (including transactional, promotional and/or commercial messages), from us with respect to your use of the Site (and/or placement of your order) and agree to treat all modes of communication with the same importance.

• Amendments to Conditions or Alterations of Service

We reserve the right to make changes to the Site, its policies, these Terms and any other publicly displayed condition or Service promised at any time. You will be subject to the policies and Terms in force at the time you used the Site unless any change to those policies or these Terms is required to be made by law or government authority (in which case it will apply to orders previously placed by you).

Tasdeeq reserves the right, at its sole and absolute discretion, to change, modify, add to, supplement or delete any of the terms and conditions of these Terms, effective immediately without prior notice. Your continued use of the Site following any revision to these Terms shall constitute your complete and irrevocable acceptance of any and all such changes. Contact us if you have any comments or questions, please do not hesitate to reach out to us at info@tasdeeq.com.

• Events Beyond Our Control

We will not be held responsible for any delay or failure to comply with our obligations under these conditions if the delay or failure arises from any cause or reason which is beyond our reasonable control.

Under no circumstances shall Tasdeeq be held liable for any delay or failure or disruption of the content or Services delivered through the Sites resulting directly or indirectly from acts of nature, forces or causes beyond our reasonable control, including without limitation, internet failures, computer, telecommunications or any other equipment failures, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, flood, storms, explosions, acts of god, war, governmental actions, orders of domestic or foreign courts or tribunals or non-performance of third parties.

• Waiver

You acknowledge and recognize that we are a private commercial enterprise and reserve the right to conduct business to achieve our objectives in a manner we deem fit. You also acknowledge that if you breach the Terms stated on our Site and we take no action, we are still entitled to use our rights and remedies in any other situation where you breach these Terms.

• Termination

In addition to any other legal or equitable remedies, we may, without prior notice to you, immediately terminate these Terms or revoke any or all of your rights granted under these Terms. Upon any termination of this agreement, you shall immediately cease all access to and use of the Site and we shall, in addition to any other legal or equitable remedies, immediately revoke all password(s) and account identification issued to you and deny your access to and use of this Site in whole or in part. Any termination of this Agreement shall not affect the respective rights and obligations (including without limitation, payment obligations) of the parties arising before the date of termination. You furthermore agree that the Site shall not be liable to you or to any other person as a result of any such suspension or termination. If you are dissatisfied with the Site or with any terms, conditions, rules, policies, guidelines, or practices in operating the Site, your sole and exclusive remedy is to discontinue using the Site.

• Governing law and jurisdiction

These Terms are governed by the laws of Islamic Republic Pakistan. The courts in Lahore shall have the exclusive jurisdiction and venue over any fate arising out of or relating to these Terms, and each party hereby consents to the jurisdiction and venue of such courts. If any provision of these Terms is found to be invalid in any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Terms of Service, which shall remain in full force and effect. Any offer for any feature, Service or application made on this application is void where prohibited.