Terms & Conditions

1.1 These Terms and Conditions ("Terms," "Agreement") constitute a legally binding agreement between you, the individual or business entity registering for or using the Service ("you," "Customer," "Merchant," or "User"), and Peham.

1.2 By creating an account, accessing, installing, or using the Service in any way, you confirm that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any Order Form, subscription plan, or Statement of Work referencing these Terms. If you do not agree, you must not access or use the Service.

1.3 If you are entering into this Agreement on behalf of a company, sole proprietorship, partnership, or other legal entity, you represent that you have the authority to bind that entity, and "you" and "Customer" refer to that entity.

1.4 The Service is billed and processed by Paddle.com Market Limited or its affiliates ("Paddle"), our Merchant of Record. Paddle's own terms of use and checkout terms govern the payment transaction itself; these Terms govern your use of the Software.

• "Customer Data" means all data, records, transactions, invoices, inventory records, pricing, customer lists, tax data, and other content that you or your Authorized Users input, upload, generate, or store within the Service.
• "Authorized User" means any employee, contractor, or agent of Customer who is permitted by Customer to access the Service under Customer's account.
• "Government Authority" means the Federal Board of Revenue ("FBR"), any provincial revenue authority (PRA, SRB, KPRA, BRA), the State Bank of Pakistan, or any other regulatory, tax, or law-enforcement body in any jurisdiction.
• "Applicable Laws" means all laws, statutes, ordinances, rules, regulations, and SROs of Pakistan (or any other jurisdiction in which Customer operates) that apply to Customer's business, including tax, sales tax, invoicing, record-keeping, and data protection laws.

3.1 Tejarify is a general-purpose business management tool. It provides functionality for billing, inventory tracking, invoicing, reporting, and (where the Customer elects to configure it) integration with FBR's Point of Sale / IRIS systems or provincial revenue authority systems.

3.2 Tejarify is not a tax advisor, chartered accountant, legal advisor, or compliance consultant, and nothing in the Service, its outputs, its documentation, or any communication from Peham constitutes tax, legal, financial, or regulatory advice. Any FBR/PRA/SRB integration features are provided as a technical convenience only. Customer remains solely responsible for determining which taxes apply to its business, at what rate, and how they must be reported.

3.3 Peham does not verify, audit, or certify that any Customer's use of the Service results in compliance with Applicable Laws. Compliance is the Customer's independent obligation.

4.1 You must provide accurate, current, and complete information when registering, including your business name, CNIC/NTN details, address, and contact information, and must keep this information updated.

4.2 You are solely responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account, whether or not authorized by you. Notify us immediately at [email protected] of any suspected unauthorized access.

4.3 You must be at least 18 years of age and legally capable of entering into binding contracts under the laws of Pakistan (or the relevant jurisdiction) to use the Service.

5.1 Subject to your compliance with this Agreement and payment of applicable fees, Peham grants you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Service solely for your own internal business operations during the term of your subscription.

5.2 The Service is licensed, not sold. Peham and its licensors retain all right, title, and interest in and to the Service, including all software, source code, design, trademarks ("Tejarify," associated logos), and documentation.

5.3 You shall not, and shall not permit any third party to:

1. reverse engineer, decompile, disassemble, or attempt to derive the source code of the Service;
2. copy, resell, sublicense, rent, lease, or distribute the Service to any third party without Peham's prior written consent;
3. use the Service to build a competing product;
4. remove or obscure any proprietary notices;
5. use the Service in any manner that violates Applicable Laws, including but not limited to: (i) generating invoices, receipts, or sales records that misstate the actual price, quantity, tax amount, or nature of a transaction; (ii) suppressing, deleting, or falsifying sales, inventory, or tax records ("sales suppression") for the purpose of evading tax, duty, or reporting obligations; (iii) issuing invoices to entities other than the actual transacting party, or issuing fictitious invoices; (iv) circumventing, disabling, or falsifying FBR POS integration, digital fiscal receipts, QR codes, or invoice sequencing where such features are enabled; (v) money laundering, tax fraud, or facilitation of any criminal offence under the Anti-Money Laundering Act 2010, the Income Tax Ordinance 2001, the Sales Tax Act 1990, or the Pakistan Penal Code;
6. use the Service to process, store, or transmit any unlawful, defamatory, or infringing content; or
7. interfere with or disrupt the integrity or performance of the Service, including through unauthorized API calls, load testing, or security probing without prior written consent.

5.4 Peham reserves the right, but has no obligation, to monitor use of the Service for suspected violations of Section 5.3, and to suspend or terminate accounts reasonably suspected of such violations under Section 15, without liability to Customer.

6.1 Ownership. As between the parties, Customer owns all Customer Data. Peham claims no ownership over the business, financial, or transactional data you input.

6.2 Accuracy is Customer's sole responsibility. Tejarify records, calculates, and reports based entirely on the data, prices, tax rates, quantities, and configurations that Customer or its Authorized Users input into the Service. Peham does not independently verify the accuracy, completeness, or legality of any Customer Data. You are solely and exclusively responsible for:

1. ensuring that all sales, purchase, inventory, and tax data entered into the Service is true, accurate, and complete;
2. correctly configuring applicable tax rates, exemptions, and invoicing formats for your business and location(s);
3. reconciling Service-generated reports against your actual books of account before relying on them for statutory filings;
4. maintaining your own backups and statutory records as required by Applicable Laws, independent of the Service; and
5. determining whether your business is legally required to register with, or report to, FBR, any provincial revenue authority, or any other Government Authority, and doing so.

6.3 Any report, invoice, tax computation, or record generated by the Service is provided on an "as configured, as entered" basis and reflects only the inputs supplied by Customer. It is not, and must not be treated as, a certification of tax correctness or legal compliance.

7.1 No FBR or regulatory liability accepted by Peham. Peham provides software tools only. Peham is not a party to, and assumes no responsibility, liability, or obligation whatsoever in connection with:

1. any audit, inspection, investigation, notice, show-cause proceeding, or enforcement action initiated by FBR, any provincial revenue authority, or any other Government Authority against Customer;
2. any penalty, additional tax, default surcharge, fine, seizure, prosecution, or other consequence arising from Customer's use (or misuse) of the Service, incorrect data entry, misconfiguration, or non-compliance with Applicable Laws;
3. any discrepancy between records maintained in the Service and records required to be maintained, filed, or disclosed under Applicable Laws; or
4. Customer's failure to register for sales tax, income tax, or any provincial service tax where required.

7.2 Customer sole responsibility for compliance. Customer acknowledges and agrees that it, and not Peham or Tejarify, is the person or entity conducting business, issuing invoices, collecting tax (where applicable), and filing statutory returns. Customer bears sole and exclusive responsibility and liability for its compliance with Applicable Laws, and for the accuracy and legality of every transaction record processed through the Service, regardless of whether the Service was used correctly, incorrectly, or in a manner inconsistent with its intended purpose.

7.3 Cooperation without assumption of liability. If Peham receives a lawful order, summons, notice, or request from a Government Authority relating to a specific Customer account, Peham may, at its discretion and where legally required, provide account-level technical information (for example, account creation date or subscription status) in response to a valid legal process, without this constituting any admission of responsibility for Customer's underlying business conduct. Peham will, where legally permitted, notify the affected Customer of such a request.

7.4 No obligation to detect non-compliance. Peham has no obligation to monitor, flag, audit, or report suspected non-compliant use of the Service by any Customer to any Government Authority, except where required by Applicable Law.

8.1 The Service may offer optional integrations with FBR's IRIS/POS invoicing system, provincial revenue authorities, payment gateways, SMS providers, or other third-party systems ("Third-Party Systems"). These integrations are provided for Customer's convenience and are enabled only at Customer's election and configuration.

8.2 Peham is not responsible for the availability, accuracy, downtime, policy changes, or output of any Third-Party System, including FBR's servers or APIs. Where a Third-Party System is unavailable, changes its specifications, or rejects or queues submissions, Peham will make commercially reasonable efforts to adapt the Service but does not guarantee uninterrupted connectivity or real-time reporting.

8.3 Enabling an integration does not shift Customer's underlying statutory reporting obligation to Peham. Customer remains responsible for confirming that data actually reached the relevant Government Authority and for maintaining independent proof of filing or submission.

9.1 Fees for the Service are as set out on tejarify.com or in your applicable Order Form, and are processed by Paddle as our Merchant of Record. Paddle's checkout terms, refund policy, and tax-inclusive pricing rules apply to the payment transaction.

9.2 Fees are exclusive of any taxes Customer may owe on its own sales (for example, sales tax collected from Customer's end customers), which are entirely Customer's responsibility and unrelated to the subscription fee paid to Peham/Paddle.

9.3 Non-payment may result in suspension of access per Section 15.

10.1 All intellectual property rights in the Service, including software, UI/UX, trademarks, and documentation, are and remain the exclusive property of Peham (Private) Limited or its licensors.

10.2 Feedback, suggestions, or feature requests submitted by Customer may be used by Peham without restriction or compensation.

11.1 Each party agrees to protect the other's confidential information with the same degree of care it uses for its own confidential information of similar nature, and not less than reasonable care, and to use such information solely to perform its obligations under this Agreement.

11.2 This obligation does not apply to information that is public, independently developed, rightfully received from a third party, or required to be disclosed by law (subject to prior notice where legally permitted).

12.1 THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR THAT THE SERVICE WILL RESULT IN, OR GUARANTEE, TAX OR REGULATORY COMPLIANCE.

12.2 Peham does not warrant that the Service will be uninterrupted, error-free, or secure against all threats, or that any FBR/PRA/SRB integration will remain compatible with future changes to Government Authority systems.

12.3 Customer assumes all risk arising from its use of the Service, including risks of data entry error, misconfiguration, business interruption, or reliance on Service-generated reports.

13.1 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PEHAM (PRIVATE) LIMITED, ITS DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO: LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF DATA, LOSS OF BUSINESS OPPORTUNITY, OR ANY FINES, PENALTIES, ADDITIONAL TAX, SURCHARGES, LEGAL COSTS, OR OTHER LIABILITY IMPOSED ON CUSTOMER BY FBR, ANY PROVINCIAL REVENUE AUTHORITY, OR ANY OTHER GOVERNMENT AUTHORITY, ARISING OUT OF OR IN CONNECTION WITH CUSTOMER'S USE OF THE SERVICE, REGARDLESS OF WHETHER PEHAM WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13.2 PEHAM'S TOTAL AGGREGATE LIABILITY TO CUSTOMER FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICE, WHETHER IN CONTRACT, TORT, OR OTHERWISE, SHALL NOT EXCEED THE TOTAL FEES ACTUALLY PAID BY CUSTOMER TO PEHAM/PADDLE FOR THE SERVICE IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

13.3 The limitations in this Section 13 do not apply to: (a) Customer's payment obligations; (b) either party's indemnification obligations; (c) breach of confidentiality; or (d) liability that cannot be excluded or limited under Applicable Law (for example, death, personal injury, or gross negligence/willful misconduct).

13.4 Nothing in this Agreement excludes or limits liability for fraud or willful misconduct.

14.1 By Customer. Customer shall defend, indemnify, and hold harmless Peham (Private) Limited, its directors, officers, employees, and agents from and against any and all claims, demands, actions, proceedings, investigations, audits, fines, penalties, damages, losses, and expenses (including reasonable legal fees) arising out of or relating to:

1. Customer's use or misuse of the Service, including inaccurate, incomplete, or fraudulent data entry;
2. Customer's violation of Applicable Laws, including tax evasion, sales suppression, or issuance of fraudulent or fictitious invoices;
3. any audit, investigation, show-cause notice, or enforcement action by FBR, a provincial revenue authority, or any other Government Authority relating to Customer's business or its records maintained in or generated by the Service;
4. Customer's breach of this Agreement; or
5. any claim brought by Customer's own customers, employees, or Authorized Users arising from Customer's business operations.

14.2 This indemnification obligation survives termination of this Agreement and applies regardless of whether Peham is named as a co-respondent, witness, or third party in any such proceeding.

14.3 By Peham (limited). Peham shall indemnify Customer against third-party claims that the unmodified Service, as provided by Peham, directly infringes a third party's registered intellectual property rights in Pakistan, subject to the liability cap in Section 13.2 and Customer promptly notifying Peham and cooperating in the defense.

15.1 Either party may terminate this Agreement per the notice period in the applicable Order Form, or immediately if the other party materially breaches this Agreement and fails to cure within 15 days of written notice.

15.2 Peham may immediately suspend or terminate Customer's access, without liability, if:

1. Customer fails to pay fees when due;
2. Peham reasonably believes Customer is using the Service in violation of Section 5.3 (including suspected tax fraud, sales suppression, or fraudulent invoicing);
3. Peham receives a valid legal order requiring suspension; or
4. continued provision of the Service would expose Peham to legal or regulatory risk.

15.3 Upon termination, Customer's right to access the Service ceases. Customer may request export of Customer Data within 30 days of termination, after which Peham may delete such data per its data retention policy. Sections 6, 7, 10 through 14, and 17 through 19 survive termination.

16.1 Peham implements commercially reasonable technical and organizational security measures to protect the Service infrastructure. Details of hosting and security practices are set out in the Privacy Policy.

16.2 Customer is solely responsible for maintaining independent backups of Customer Data sufficient to meet its own statutory record-keeping obligations (typically six years under Pakistani tax law, or longer as required). Peham's provision of in-Service backups, if any, is a convenience feature and not a substitute for Customer's own record-keeping obligations.

Neither party shall be liable for delay or failure to perform any obligation under this Agreement (except payment obligations) due to causes beyond its reasonable control, including acts of God, internet or power outages, government action, war, civil unrest, or failure of third-party infrastructure providers (including FBR or provincial revenue authority systems).

18.1 This Agreement shall be governed by and construed in accordance with the laws of the Islamic Republic of Pakistan, without regard to conflict-of-law principles.

18.2 The parties shall first attempt to resolve any dispute through good-faith negotiation. Failing resolution within 30 days, the dispute shall be subject to the exclusive jurisdiction of the courts of Islamabad, Pakistan.

19.1 Entire Agreement. This Agreement, together with the Privacy Policy and any Order Form, constitutes the entire agreement between the parties and supersedes all prior understandings.

19.2 Amendments. Peham may update these Terms from time to time by posting the revised version on tejarify.com with an updated "Last Updated" date. Material changes will be notified via email or in-Service notice at least 15 days before taking effect. Continued use after the effective date constitutes acceptance.

19.3 Assignment. Customer may not assign this Agreement without Peham's prior written consent. Peham may assign this Agreement in connection with a merger, acquisition, or sale of assets.

19.4 Severability. If any provision of this Agreement is held unenforceable, the remaining provisions shall remain in full force and effect, and the unenforceable provision shall be modified to the minimum extent necessary to make it enforceable.

19.5 No Waiver. Failure to enforce any provision shall not constitute a waiver of that or any other provision.

19.6 Notices. Legal notices to Peham shall be sent to [email protected] or to Peham's registered office at G8 Plaza, Shaheen Commercial, Phase 1, Jinnah Garden, Islamabad, Pakistan. Notices to Customer shall be sent to the email address or address on file.

19.7 Relationship of Parties. Nothing in this Agreement creates a partnership, joint venture, agency, or employment relationship between the parties.