Welcome to Referizo! These Terms & Conditions (“Terms”) govern your access to and use of https://referizo.com (the “Website”) and any related services we provide.

By accessing or using the Website you agree to be bound by these Terms. If you do not agree, you should not use the Website.

1. Definitions

• “We”, “us”, “our” means Referizo.
• “You”, “your” means any user of the Website.
• “Service(s)” means any feature, functionality, content or product offered through the Website.
• “User Content” means any content, data or material you submit or upload to the Website.

2. Eligibility

You represent and warrant that you are at least the age of majority in your jurisdiction (or have obtained parental/guardian consent) and are legally capable of entering into binding contracts. If you are underage according to local law, you must not use the Service.

3. Use of Website & Services

• You agree to use the Website in accordance with these Terms and all applicable laws.
• You will not use the Website to upload, share or distribute any content that is illegal, obscene, defamatory, infringing, harmful or otherwise prohibited.
• You agree not to interfere with the operation of the Website (for example: hacking, reverse‐engineering, spamming, transmitting viruses).

4. User Accounts

If you create an account on the Website:

• You are responsible for maintaining the confidentiality of your account credentials.
• You agree to notify us immediately of any unauthorised use of your account.
• You must provide accurate and complete information.
• We reserve the right to suspend or terminate your account if you breach these Terms.

5. User Content & Intellectual Property

• You retain all rights you have in your User Content, subject to the licence you grant us below.
• By submitting User Content, you grant us a worldwide, non‑exclusive, royalty‑free, transferable licence to host, reproduce, distribute, modify, adapt, publish and use your User Content in connection with the Website and our business.
• You represent and warrant that you have all necessary rights to grant this licence, and that your User Content does not infringe any third‐party rights.
• All other materials on the Website (texts, graphics, logos, trademarks, software) are owned or licensed by us and are protected by intellectual property laws. You may not use them without our prior written consent.

6. Changes to the Website or Services

We may modify, suspend or discontinue any part of the Service or Website at any time, with or without notice. We are not liable if for any reason all or part of the Website is unavailable at any time or for any period.

7. Amendments to these Terms

We may update these Terms from time to time. When we do, we will revise the “Effective Date” at the top. Your continued use of the Website after such changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.

8. Privacy & Data Protection

Our Privacy Policy [link to your Privacy Policy] governs how we collect, use, share and store your personal data. By using the Website you agree to the terms of the Privacy Policy.

9. Disclaimers & Limitation of Liability

• The Website and Services are provided “as‑is” and “as available” without warranties of any kind, either express or implied.
• We do not guarantee that the Service will be uninterrupted, error‑free or secure.
• To the fullest extent permitted by law, in no event will we or our affiliates be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits, revenue, data or use, arising out of or in connection with your access to or use of the Website or Services.
• Some jurisdictions may not allow limitation of liability in certain cases; if such laws apply, our liability will be limited to the maximum extent permitted by law.

10. Termination

We may terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Website ceases immediately. The provisions of these Terms which by their nature should survive termination will remain in effect.

11. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Islamic Republic of Pakistan (or another jurisdiction you prefer). Any dispute arising under or in relation to these Terms shall be subject to the exclusive jurisdiction of the courts located in [insert city, e.g., Lahore, Punjab].

12. Third‑Party Links & Services

The Website may contain links to third‐party websites or services that are not owned or controlled by us. We are not responsible for the content, policies or practices of any third party. We encourage you to read the terms and policies of every website you visit.

13. Severability

If any provision of these Terms is held to be invalid, illegal or unenforceable in any respect under applicable law, then such provision will be deemed modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in full force and effect.

14. Waiver

No waiver of any term shall be deemed a further or continuing waiver of such term or any other term. Any failure by us to enforce any provision of these Terms does not constitute a waiver of our right to do so later.

15. Contact Information

For any questions about these Terms, you can contact us at:
Email: [insert email address]
Address: [insert postal address (if applicable)]