Terms of Use

Effective Date: 1 August 2026

Welcome to the website of Zahid Ali Faisal Asjad & Co. ("ZAFCA," "we," "our," or "us"). By accessing or using zafaca.com (the "Website"), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Website.

1. Use of the Website

You may use the Website for lawful purposes only. You agree not to:

  • Use the Website in any way that violates applicable laws or regulations
  • Attempt to interfere with the proper functioning of the Website
  • Introduce viruses, malware, or other harmful code
  • Engage in unauthorised access, data scraping, or data mining
  • Use the Website to transmit unsolicited commercial communications
  • Impersonate any person or entity, or misrepresent your affiliation

2. Intellectual Property

All content on this Website — including text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software — is the property of ZAFCA or its content suppliers and is protected by Pakistani and international copyright, trademark, and intellectual property laws.

You may view, download, and print pages from the Website for your personal, non-commercial use, subject to the restrictions below. You must not:

  • Republish, reproduce, duplicate, copy, or otherwise exploit material from this Website for commercial purposes without prior written consent
  • Sell, rent, or sub-license material from the Website
  • Edit or modify any material from the Website
  • Redistribute content from the Website except for content specifically and expressly made available for redistribution

The "ZAFCA" name and logo, and all related names, logos, product and service names, are trademarks of Zahid Ali Faisal Asjad & Co. You may not use these marks without our prior written permission.

3. Disclaimer of Warranties

The information on this Website is provided for general informational purposes only. While we strive to keep the information accurate and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the Website or the information, products, services, or related graphics contained on the Website for any purpose.

Your use of the Website and reliance on any information is strictly at your own risk. Nothing on this Website constitutes professional, legal, tax, or financial advice. You should consult a qualified professional for advice tailored to your circumstances.

4. Limitation of Liability

To the fullest extent permitted by applicable law, ZAFCA, its partners, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages, including but not limited to loss of profits, data, goodwill, or business interruption, arising out of or in connection with:

  • Your use or inability to use the Website
  • Your reliance on any content displayed on the Website
  • Any errors or omissions in the Website's content
  • Any unauthorised access to or alteration of your transmissions or data
  • Any third-party content or links on the Website

5. Third-Party Links

The Website may contain links to external websites that are not owned or controlled by ZAFCA. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. By using the Website, you expressly release ZAFCA from any liability arising from your use of any third-party website.

6. No Client Relationship

Your use of this Website or communication with us through the Website does not create a client–accountant relationship. A formal engagement letter signed by both parties is required to establish such a relationship. Until such an agreement is executed, we owe you no professional or legal duties.

7. Contact Form and Communications

Information you submit through our contact form or by email is not privileged or confidential. We will use reasonable care in handling your information in accordance with our Privacy Policy. Please do not send sensitive or confidential information through the Website.

8. Modification and Termination

We reserve the right to modify, suspend, or discontinue the Website (or any part thereof) at any time without notice. We may also revise these Terms of Use at any time by updating this page. Your continued use of the Website after changes are posted constitutes your acceptance of the revised terms. Please check this page periodically.

9. Governing Law and Jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of the Islamic Republic of Pakistan. Any dispute arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Lahore, Pakistan.

10. Severability

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be deemed modified to the minimum extent necessary to make it enforceable.

11. Contact Information

If you have any questions about these Terms of Use, please contact us:

Have questions about these terms? Reach out.

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