Terms and Conditions

1. Acceptance of Terms

By accessing and using the services provided by **Beta Associates (Pvt) Ltd**, a company registered with the Securities and Exchange Commission of Pakistan (SECP) ("Company," "we," "us," or "our"), you ("User," "you," or "your") accept and agree to be bound by the terms and provisions of this agreement.

If you do not agree to these terms, please do not use our services. These terms apply to all visitors, users, and others who access or use our services, including those offered through our subsidiaries: **Beta Marketing**, **Beta Education**, **SHZ Visas**, and **HS Builders**.

2. Description of Services

Beta Associates provides business services through its subsidiary companies:

• Beta Marketing: Digital marketing and advertising services
• Beta Education: Educational services and curriculum development
• SHZ Visas: Immigration and visa consultation services
• HS Builders: Property development and investment services

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.

3. User Obligations

As a user of our services, you agree to:

• Provide accurate and complete information when requested.
• Maintain the confidentiality of your account credentials.
• Use our services only for lawful purposes.
• Respect the intellectual property rights of Beta Associates and third parties.
• Not engage in any activity that could harm or disrupt our services.

4. Intellectual Property

All content, materials, and intellectual property associated with **Beta Associates** and its subsidiaries, including but not limited to text, graphics, logos, images, and software, are owned by or licensed to the Company.

You may not reproduce, distribute, modify, or create derivative works of our intellectual property without explicit written permission from Beta Associates.

5. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information are governed by our **Privacy Policy**, which is incorporated into these Terms by reference.

By using our services, you consent to the collection, use, and disclosure of your information as described in our Privacy Policy.

6. Payment Terms

Payment terms vary by service and will be clearly communicated before any service agreement. General payment terms include:

• Payment is due according to the agreed schedule.
• Late payments may incur additional fees.
• Refunds are subject to our refund policy.
• All prices are subject to applicable taxes.

7. Limitation of Liability

To the fullest extent permitted by law, **Beta Associates** shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.

Our total liability to you for any claim arising out of or relating to these terms or our services shall not exceed the amount paid by you to us in the twelve months preceding the claim.

8. Termination

Either party may terminate the service agreement with appropriate notice as specified in individual service contracts. Upon termination:

• All rights and licenses granted to you will cease.
• You must cease all use of our services.
• Provisions that should survive termination will remain in effect.

9. Governing Law

These Terms shall be governed by and construed in accordance with the law, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in **Pakistan**.

10. Contact Information

If you have any questions about these Terms and Conditions, please contact us: