ELECTRONIC TERMS OF SERVICE & REFUND POLICY

1. LEGAL RECOGNITION OF DIGITAL CONSENT

In accordance with Section 3 and Section 7 of the Electronic Transactions Ordinance (ETO), 2002, the Client explicitly concedes that physical "wet-ink" signatures are not required to establish a legally binding contract.

The Payment Trigger: The exact moment the Client transmits a digital payment (via IBFT, bank transfer, or credit link) or ticks the "I Agree" prompt on our digital interface, they have executed a binding, unalterable signature. The Client cannot later claim the contract is invalid due to the absence of a physical paper document.

2. STRICT "NO REFUND" & ADMINISTRATIVE PROGRESSION PROTOCOL

Affari Reshen does not operate on a contingency or "success-fee" model. Our fees compensate for specialized professional labor, time allocation, and administrative execution.

• Non-Refundability of Retainers: Once any payment is cleared into Affari Reshen's institutional accounts, that fee becomes 100% non-refundable. No refunds will be issued for partial case withdrawals, changes of mind, or personal life shifts by the Client.
• Labor Tracking: Fees are immediately absorbed to cover background file creation, portal setups, document reviews, and case-manager routing.

3. EMBASSY REFUSAL INDEMNITY & LIABILITY CAPS

Sovereign Decision Caps: Visa issuance, university admissions, and immigration entries are the exclusive, absolute prerogative of foreign sovereign governments (e.g., IRCC Canada, UKVI, or target registrars). Affari Reshen offers zero outcome guarantees.

• The Rejection Indemnity: If an embassy or institution rejects, delays, or issues an administrative freeze on a Client's application file, the Client explicitly waives any right to demand a refund, financial damages, or operational compensation from Affari Reshen.

4. THE ANTI-CHARGEBACK LOCK (BANK PROTECTION)

To eliminate chargeback fraud (where a customer uses a credit card or bank dispute to claw back money after receiving consultation), the Client explicitly agrees to this clause:

• Evidentiary Submission to Banks: In the event that the Client initiates a financial dispute or chargeback with their credit card issuer or clearing bank, Affari Reshen will directly present this policy document, alongside the digital transaction logs, IP routing footprint, and metadata capturing their electronic acceptance.
• Legal Fees for Disputed Actions: If a Client wrongfully executes a financial chargeback, they are legally bound to reimburse Affari Reshen for all collection expenses, administrative recovery costs, and banking penalties incurred to overturn the dispute.

5. SEVERANCE FOR DECEPTION (CONTRACT DISCHARGE)

• The Material Breach Rule: Under Section 19 of the Contract Act, 1872, if a Client provides a fabricated bank statement, an altered IELTS certificate, or an unverified corporate credential, the contract is rendered voidable at the sole discretion of Affari Reshen.
• Forfeiture of Funds: Upon the detection of document manipulation, the contract is severed with immediate effect. Any fees paid by the Client to date are permanently forfeited as Liquidated Damages to compensate for the severe reputational risk posed to our firm's international processing credentials.

6. JURISDICTION & ARBITRATION COVENANT

• Exclusive Forum Selection: Any dispute, disagreement, or interpretation issue arising out of this professional relationship shall be governed exclusively by the laws of the Province of Sindh, Pakistan.
• The Courts of Karachi: The Client explicitly surrenders cross-border legal avenues and agrees that the courts located within Karachi shall hold exclusive, absolute jurisdiction to hear and decide any legal actions arising from this relationship.