Terms of Use

These Terms of Use are the rules for using apnichhatmehfozchhat.pk. By opening or using any page of this website, you agree to these terms. If you do not agree, please do not use the website. We wrote these terms in simple words.

1. Acceptance of Terms

Your use of this website means you accept these Terms of Use, our Privacy Policy, and our Disclaimer. All three documents work together. Please read them all.

2. What This Website Provides

This website provides free informational guides about the Apni Chhat Mehfooz Chhat housing loan scheme of the Punjab Government. We are an independent website. We do not process applications, collect fees, or represent any government body. Full details are in our Disclaimer.

3. Permitted Use

You are welcome to:

• Read all guides and pages free of cost
• Share links to our pages on social media, WhatsApp, or anywhere else
• Use our information for your personal understanding of the scheme
• Quote a small portion of our content with a clear link back to the source page

4. Our Content and Copyright

All original content on this website is our property. This includes our articles, guides, tables, FAQs, Urdu translations, page structure, and design. This content is protected by copyright.

You may NOT, without our written permission:

• Copy, republish, or reproduce our articles or guides on any other website, app, or publication
• Translate and republish our content in any language
• Use automated tools, bots, or scrapers to collect our content
• Present our content as your own work

The scheme name Apni Chhat Mehfooz Chhat and all official government marks belong to the Government of Punjab. Our copyright covers only our own original writing and design, not the scheme itself.

For content permissions, email us at [email protected].

5. Prohibited Uses

You may not use this website to:

• Break any law of Pakistan or your local laws
• Misrepresent this website as an official government service to anyone
• Collect money, personal data, or documents from people in the name of this website or the scheme
• Attempt to hack, overload, or disturb the website's working
• Post or transmit any harmful code or material through any feature of the website

6. Information and No Warranty

We provide all content on an "as is" and "as available" basis. We work hard on accuracy, but government scheme details can change at any time. We give no warranty that every detail is complete, current, or error-free. Always verify important information on the official portal acag.punjab.gov.pk before acting on it. Our Disclaimer explains this fully, including our limitation of liability.

7. Third-Party Links and Advertisements

Our pages link to external websites and may display third-party advertisements. We are not responsible for external websites, their content, or your dealings with any advertiser. External links and ads are governed by their own terms and policies.

8. Suspension of Access

We may block or restrict access to this website for any user who violates these terms, attacks the website, or misuses our content, without prior notice.

9. Governing Law

These Terms of Use are governed by the laws of Pakistan. Any dispute related to this website will be subject to the jurisdiction of the courts of Pakistan.

10. Changes to These Terms

We may update these Terms of Use at any time. The Last Updated date at the top shows the current version. Your continued use of the website after any change means you accept the updated terms.

11. Contact

Questions about these Terms of Use? Email us at [email protected] or visit our contact page.

شرائط استعمال: اردو خلاصہ