Last updated: October 31, 2025
These Terms and Conditions constitute a legally binding agreement between you and CashSmart PK regarding your access to and use of our website and educational services. By accessing or using our services, you agree to be bound by these Terms.
If you do not agree with any part of these Terms, you must not access or use our services. We reserve the right to modify these Terms at any time, and your continued use of our services after such modifications constitutes your acceptance of the revised Terms.
Eligibility: You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.
Account Responsibility: If you create an account with us, you are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
Acceptable Use: You agree to use our services only for lawful purposes and in accordance with these Terms. You agree not to use our services in any way that could damage, disable, overburden, or impair our website or interfere with any other party's use of our services.
Course Content: Our courses provide general financial education and information. The content is for educational purposes only and should not be considered as professional financial advice tailored to your specific circumstances.
No Guarantees: While we strive to provide accurate and up-to-date information, we make no guarantees regarding the completeness, accuracy, or reliability of any course content. Financial markets and regulations change, and information provided may become outdated.
Personal Responsibility: You acknowledge that any financial decisions you make based on knowledge gained from our courses are your sole responsibility. We are not liable for any financial losses or consequences resulting from your financial decisions.
Enrollment: Course enrollment details, including schedules, fees, and requirements, will be provided upon inquiry. Enrollment terms may vary by course and will be specified at the time of registration.
Our Content: All content on our website, including text, graphics, logos, images, audio clips, video clips, and software, is the property of CashSmart PK or its content suppliers and is protected by Pakistani and international copyright laws.
Limited License: We grant you a limited, non-exclusive, non-transferable license to access and use our website and course materials for personal, non-commercial educational purposes only. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use our content without our prior written permission.
Trademarks: CashSmart PK and related logos are trademarks of CashSmart PK. You may not use these trademarks without our prior written consent.
If you submit, post, or transmit any content to our website, including comments, questions, or feedback, you grant us a non-exclusive, royalty-free, perpetual, and worldwide license to use, reproduce, modify, and distribute such content in connection with our services.
You represent and warrant that you own or have the necessary rights to any content you submit and that such content does not violate any third-party rights or applicable laws.
Our services are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, secure, or error-free, or that any defects will be corrected.
We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee any specific results from using our services.
To the maximum extent permitted by law, CashSmart PK and its directors, employees, partners, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses resulting from:
Your access to or use of (or inability to access or use) our services; any conduct or content of any third party on our services; any content obtained from our services; or unauthorized access, use, or alteration of your transmissions or content.
In no event shall our total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing our services during the twelve months prior to the claim.
You agree to defend, indemnify, and hold harmless CashSmart PK and its affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of our services, your violation of these Terms, or your violation of any rights of another party.
Our website may contain links to third-party websites or services that are not owned or controlled by CashSmart PK. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be liable for any damage or loss caused by or in connection with the use of any such third-party content.
These Terms shall be governed by and construed in accordance with the laws of Pakistan, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in Multan, Pakistan.
We reserve the right to terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms. Upon termination, your right to use our services will immediately cease.
If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and CashSmart PK regarding the use of our services and supersede all prior agreements and understandings.
If you have any questions about these Terms and Conditions, please contact us:
Email: info@cashsmartpk.com
Phone: +92 301 5493729
Address: 2257 A, Muhalla Nawen Bhoain, Multan
