Terms and Conditions

Welcome to apnascheme.com operated by Muhammad Mehtab ("we", "us", "our") from Lahore, Pakistan. By accessing this website, you agree to these Terms and Conditions. If you do not agree, please do not use the site.

1. About the Service

Apna Scheme Tool provides free informational content and eligibility screening tools related to Punjab government schemes. We are not a government department and we do not process official applications or payments.

2. No Guarantee of Scheme Approval

Tool results are based on publicly available criteria for general guidance only. Government departments make final decisions through verification, balloting, BISP checks, PLRA records, and other official processes. We guarantee nothing.

3. User Data — Eligibility Tools

Important: Information you enter in eligibility checkers is not stored in our database and not shared with third parties for marketing or resale. Data is processed only to display your result for that visit. See our Privacy Policy.

4. Acceptable Use

You agree NOT to:

• Use the site for illegal purposes or fraud
• Attempt to hack, scrape aggressively, or disrupt servers
• Copy entire content for republication without permission
• Misrepresent this site as an official government portal
• Submit false information to manipulate results

5. Intellectual Property

Text, design, logos (unless uploaded by admin), and tool logic are owned by Muhammad Mehtab / Apna Scheme Tool. You may share links to our pages. Commercial reuse requires written permission.

6. External Links

Official government links are provided for your convenience. We do not control third-party websites and are not responsible for their content, availability, or privacy practices.

7. Advertising

We may display advertisements (e.g. Google AdSense). Ads are served by third-party networks under their own terms. We are not responsible for products or services advertised by third parties.

8. Limitation of Liability

To the fullest extent permitted by law in Pakistan, we are not liable for any direct or indirect loss arising from use of this site, including missed deadlines, rejected applications, or reliance on tool results. Always verify on official portals.

9. Indemnification

You agree to hold harmless Muhammad Mehtab and Apna Scheme Tool from claims caused by your misuse of the website.

10. Changes

We may update tools, content, or these terms at any time without prior notice. Check this page periodically.

11. Governing Law

These terms are governed by the laws of the Islamic Republic of Pakistan. Disputes shall be subject to courts in Lahore, Punjab, where applicable.

12. Contact

Operator: Muhammad Mehtab — bossmehtabshab@gmail.com
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