Terms & Conditions

Welcome to Akhuwat Foundation. These Terms and Conditions govern your use of our website and services. By accessing or using our platform, you agree to be bound by these terms. If you disagree with any part, please refrain from using our services.

1. Acceptance of Terms

By using our website or applying for our interest-free loan services, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions, along with our Privacy Policy.

2. Our Services

Akhuwat Foundation provides Shariah-compliant financial services including:

• Personal Loans: For education, medical needs, and household necessities
• Business Loans: For entrepreneurs and small business owners

All loans are provided interest-free in accordance with Islamic financial principles.

3. Eligibility Criteria

To qualify for our services, applicants must:

• Be Pakistani citizens aged 18 years or older
• Possess a valid CNIC (Computerized National Identity Card)
• Demonstrate genuine need for financial assistance
• Provide complete and accurate documentation

4. User Responsibilities

As a user of our services, you agree to:

• Provide truthful and complete information in all applications
• Use loan funds only for the stated purpose
• Adhere to the agreed repayment schedule
• Notify us immediately of any changes to your contact or financial information

5. Application Process

Our loan application process involves:

• Submission of complete application form
• Verification of provided information and documents
• Assessment by our loan committee
• Final approval decision

Approval is at our sole discretion and not guaranteed.

6. Repayment Terms

Successful applicants will receive a loan agreement specifying:

• Loan amount disbursed
• Repayment schedule (typically 6-24 months)
• Payment methods and due dates
• Process for requesting extensions if needed

7. Data Privacy

We are committed to protecting your personal information. All data is collected, stored, and processed in accordance with our Privacy Policy and applicable laws.

8. Limitations of Liability

Akhuwat Foundation shall not be liable for:

• Any indirect, incidental, or consequential damages
• Losses resulting from circumstances beyond our reasonable control
• Inaccuracies in information provided by applicants
• Decisions made based on incomplete or inaccurate information

9. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use constitutes acceptance of the updated terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Pakistan. Any disputes shall be subject to the exclusive jurisdiction of Pakistani courts.

11. Contact Information

For questions regarding these Terms or our services, please contact us: