Terms & Conditions

Section 01

Acceptance of Terms

By accessing our website, registering for any program, or purchasing any service from Arslan Larik & Company (AL&CO), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, together with our Privacy Policy, Service Policy, and Refund Policy, all of which are incorporated herein by reference.

If you do not agree to these Terms, you must refrain from using our website or enrolling in any AL&CO program.

These Terms constitute a legally binding agreement under the Contract Act, 1872 (Pakistan). AL&CO reserves the right to update these Terms at any time; continued use of our services following publication of updates constitutes acceptance.

Section 02

Eligibility

To enter into this agreement and access AL&CO's services, you must:

• —Be at least 18 years of age, or have obtained written parental or guardian consent
• —Have the legal capacity to enter into a binding contract under applicable law
• —Not be prohibited from receiving services under any applicable laws or regulations
• —Provide accurate, current, and complete information when registering or making a purchase

AL&CO reserves the right to suspend or terminate access where eligibility conditions are found to be unmet.

Section 03

Use of Website & Digital Services

You agree to use AL&CO's website and digital services only for lawful purposes and in accordance with these Terms. You must not:

• —Use the website in any manner that violates applicable local, national, or international law or regulation
• —Transmit unsolicited commercial messages, spam, or harmful code of any kind
• —Attempt to gain unauthorized access to any part of our systems, servers, or databases
• —Use automated tools, bots, or scrapers to access, index, or extract content from our website
• —Engage in any conduct that could disable, overburden, or impair the functionality of our website
• —Reproduce, duplicate, or exploit any portion of the website for commercial purposes without our written consent

Any violation of these provisions may constitute an offense under the Prevention of Electronic Crimes Act (PECA), 2016, and other applicable laws. AL&CO reserves the right to report such conduct to the relevant authorities.

Section 04

Accounts & Registration

Where you create an account to access AL&CO's services or programs, you are responsible for:

• —Maintaining the confidentiality of your login credentials
• —All activities that occur under your account
• —Notifying AL&CO immediately of any unauthorized use of your account
• —Ensuring that your account information remains accurate and up to date

AL&CO will not be liable for any loss or damage arising from unauthorized use of your account where you have failed to take reasonable steps to safeguard your credentials.

Section 05

Payment Terms

All fees for AL&CO programs and services are quoted in Pakistani Rupees (PKR) or United States Dollars (USD) as specified at the time of purchase. By completing a purchase, you agree that:

• —All stated prices are inclusive of applicable taxes unless otherwise noted
• —Payment is due in full at the time of enrollment, unless a formal instalment plan has been agreed in writing
• —AL&CO reserves the right to change pricing at any time; changes will not affect confirmed enrollments
• —Chargebacks or payment reversals initiated without first contacting AL&CO constitute a breach of these Terms
• —Where payment is made in a foreign currency, the applicable exchange rate and any conversion fees are the responsibility of the payer

Section 06

Intellectual Property

All content on the AL&CO website and in our programs — including but not limited to text, graphics, logos, videos, audio recordings, course materials, assessments, and training methodologies — is the exclusive intellectual property of Arslan Larik & Company, protected under the Copyright Ordinance, 1962 (Pakistan), the Trade Marks Ordinance, 2001, and applicable international intellectual property conventions.

• —You are granted a limited, non-exclusive, non-transferable license to access and use materials for personal learning purposes only
• —You may not reproduce, republish, redistribute, transmit, or commercially exploit any AL&CO content without prior written authorization
• —The AL&CO name, logo, and associated trademarks may not be used without express written permission
• —Any unauthorized use of AL&CO's intellectual property may result in civil or criminal liability

Section 07

Third-Party Links & Services

Our website may contain links to third-party websites or services for your convenience. AL&CO does not endorse, control, or assume responsibility for the content, privacy practices, or availability of any third-party sites. Accessing third-party links is entirely at your own risk, and we encourage you to review the terms and privacy policies of any external websites you visit.

Section 08

Disclaimer of Warranties

AL&CO's website and services are provided on an "as is" and "as available" basis. To the fullest extent permitted by applicable law, AL&CO makes no warranties — express or implied — regarding:

• —The accuracy, completeness, or suitability of any content on our website
• —Uninterrupted, error-free, or secure operation of our digital platforms
• —Specific personal, professional, or financial outcomes resulting from participation in any program

AL&CO shall not be liable for any service interruptions, technical failures, or third-party platform issues beyond our reasonable control.

Section 09

Limitation of Liability

To the maximum extent permitted under applicable law:

• —AL&CO's total aggregate liability to any individual for any claim arising from these Terms shall not exceed the amount paid by that individual for the specific service giving rise to the claim
• —AL&CO shall not be liable for any indirect, incidental, consequential, special, or punitive damages of any kind
• —AL&CO is not liable for loss of data, revenue, business opportunities, or goodwill arising from use of our services

Nothing in these Terms excludes liability for fraud, death, or personal injury caused by AL&CO's gross negligence, to the extent such exclusion is prohibited by applicable law.

Section 10

Indemnification

You agree to indemnify, defend, and hold harmless AL&CO, its directors, employees, trainers, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with:

• —Your breach of these Terms and Conditions
• —Your violation of any applicable law or the rights of a third party
• —Your use of our website or services in a manner not authorized under these Terms

Section 11

Termination

AL&CO reserves the right to suspend or terminate your access to its services or website at any time, with or without notice, for any of the following reasons:

• —Breach of any provision of these Terms and Conditions
• —Conduct that is harmful to other participants, staff, or the reputation of AL&CO
• —Failure to make payment for enrolled services
• —Any activity that violates applicable law

Upon termination, your right to access any AL&CO content or services immediately ceases. Provisions of these Terms that by their nature should survive termination shall continue to apply.

Section 12

Force Majeure

AL&CO shall not be liable for any failure or delay in the performance of its obligations where such failure or delay results from circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, pandemics, government actions, civil unrest, power failures, internet outages, or disruptions to third-party services. AL&CO will notify affected participants promptly and endeavor to resume services as soon as practicable.

Section 13

Governing Law & Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Islamic Republic of Pakistan. Any dispute arising out of or relating to these Terms that cannot be resolved through good-faith negotiation within 30 days shall be submitted to the exclusive jurisdiction of the courts of Karachi, Pakistan.

For participants based outside Pakistan, AL&CO will make reasonable efforts to resolve disputes amicably before initiating formal legal proceedings. Where applicable, alternative dispute resolution mechanisms may be proposed by either party.

Section 14

Severability & Entire Agreement

If any provision of these Terms is found to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, that provision shall be severed and the remaining provisions shall continue in full force and effect.

These Terms, together with AL&CO's Privacy Policy, Service Policy, and Refund Policy, constitute the entire agreement between you and AL&CO with respect to your use of our services and supersede all prior representations, agreements, or understandings on the subject matter.