Terms of Service

1. Acceptance of Terms

By accessing or using Pakistani Investor (pakistaniinvestor.com), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the platform.

2. Nature of Service

Pakistani Investor is an educational and informational platform. We provide:

• Financial calculators and planning tools
• Investment education content and courses
• Market data visualization and comparison tools
• Community discussion features
• Investment product comparison information

Important: Pakistani Investor is NOT a registered investment advisor, broker, or financial institution. We are not regulated by SECP, SBP, or any financial regulatory authority as an advisory service. Nothing on this platform constitutes personalized financial, tax, or legal advice.

3. No Investment Advice

All content, calculators, comparisons, and tools on Pakistani Investor are provided for educational and informational purposes only. Specifically:

• Calculator results are mathematical projections based on your inputs, not predictions or guarantees
• Past performance data does not guarantee future results
• Product comparisons are based on publicly available information and may not be current
• We do not recommend specific investments, securities, or financial products
• You should always consult a qualified, SECP-registered financial advisor before making investment decisions

4. Data Accuracy

While we strive for accuracy, we cannot guarantee that all data on Pakistani Investor is current, complete, or error-free. Market data, tax rates, fund information, and other financial data may be delayed, incomplete, or outdated. Users should independently verify all information before making financial decisions.

Data sources include: State Bank of Pakistan (SBP), Pakistan Stock Exchange (PSX), Mutual Funds Association of Pakistan (MUFAP), Federal Board of Revenue (FBR), and other public sources.

5. User Accounts

Some features require account creation. You are responsible for:

• Maintaining the confidentiality of your credentials
• All activities under your account
• Providing accurate account information
• Notifying us of unauthorized access

6. User Content

If you submit content (investment stories, community posts, feedback), you grant Pakistani Investor a non-exclusive, worldwide license to use, display, and distribute that content on our platform. You retain ownership of your content and can request its removal.

You agree not to submit content that is: false, misleading, defamatory, illegal, or constitutes unauthorized financial advice.

7. Limitation of Liability

Pakistani Investor, its founders, employees, and contributors shall not be liable for any financial losses, damages, or claims arising from:

• Use of our calculators, tools, or content for investment decisions
• Inaccuracies in data, calculations, or comparisons
• Actions taken based on information found on this platform
• Third-party products or services linked from our platform

Your use of Pakistani Investor is entirely at your own risk.

8. Affiliate Relationships

Pakistani Investor may earn commissions from brokers, banks, and financial service providers when you click affiliate links or sign up through our platform. This is disclosed transparently. Affiliate relationships do not influence our calculator results, education content, or comparison rankings.

9. Intellectual Property

All content, design, code, calculators, and educational materials on Pakistani Investor are protected by copyright. You may share links and screenshots for personal use but may not reproduce, resell, or redistribute our content commercially without written permission.

10. Governing Law

These terms are governed by the laws of Pakistan. Any disputes shall be resolved in the courts of Islamabad, Pakistan.

11. Changes to Terms

We may modify these terms at any time. Continued use after changes constitutes acceptance. Significant changes will be communicated via email to registered users.

12. Contact

For questions about these terms: legal@pakistaniinvestor.com