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Terms & Condition

Terms & Condition

Terms & Conditions for PACOLI

Effective Date: 6th October, 2025

Welcome to PACOLI,  accessible via https://pacoli.org (the “Website”). By using or accessing this Website, you agree to be bound by these Terms & Conditions (“Terms”). If you disagree with any part of these Terms, you should not use the Website.

1. Acceptance of Terms

  • These Terms govern your access to and use of the Website.

  • By using the Website, you represent that you are at least 13 years old (or the legal age in your jurisdiction) and that you agree to comply with all applicable laws.

  • We may revise these Terms at any time. Changes become effective when posted. Your continued use of the Website means you accept the revised Terms.

2. Use of the Website

  • You agree to use the Website only for lawful and permitted purposes. You shall not use it in any way that could damage, disable, overburden, or impair the Website’s functionality.

  • You must not attempt unauthorized access to any portion of the Website or any related systems or networks.

  • You agree not to introduce harmful code (viruses, trojans, etc.), spam, or malicious content.

3. Content on the Website

  • Unless otherwise noted, all content (text, images, videos, graphics, logos, designs, code) on the Website is the property of PACOLI or licensors and is protected by copyright and other intellectual property laws.

  • You may view, download, or print content for personal, noncommercial use — as long as you keep all copyright and other proprietary notices intact.

  • You may not copy, adapt, reproduce, display, distribute, or create derivative works from the content without prior written consent from PACOLI.

4. User Submissions

  • If you submit content (comments, feedback, posts, photos, etc.), you grant PACOLI a nonexclusive, royalty-free, perpetual, irrevocable license to use, display, reproduce, modify, publish, or distribute that content in any form or media.

  • You represent and warrant that you have the right to submit such content and that it does not violate any law or third party rights.

  • We reserve the right to remove or refuse any user-submitted content at our discretion.

5. Donations, Payments & Transactions

  • If the Website allows donations or payments, PACOLI may facilitate payment processing through third-party payment processors (e.g., Stripe, PayPal).

  • PACOLI is not responsible for errors or delays in payment processing performed by third parties.

  • Refunds are subject to the policies of PACOLI or the payment processor you used.

6. Disclaimers & Limitation of Liability

  • The Website and its content are provided “as is” without warranty of any kind, express or implied. PACOLI disclaims all warranties, including merchantability, fitness for a particular purpose, and noninfringement.

  • We do not guarantee that the Website will be error-free, uninterrupted, or secure.

  • In no event shall PACOLI, its directors, employees, or affiliates be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your access to or use of the Website.

7. Indemnification

You agree to indemnify, defend, and hold harmless PACOLI and its officers, directors, employees, agents, and affiliates from all claims, liabilities, losses, damages, costs, or expenses (including reasonable legal fees) arising from your violation of these Terms, your misuse of the Website, or your violation of any laws or rights of third parties.

8. External Links & Third-Party Services

The Website may include links to third-party websites or services. PACOLI does not control those external sites and is not responsible for their content or practices. You should review their terms and privacy policies before using them.

9. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of [Your Country / State] (e.g., Pakistan). Any disputes relating to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts located in [City / Region].

10. Severability

If any provision of these Terms is held invalid or unenforceable, the remainder of these Terms will remain in full force and effect.

11. Contact Information

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

Email: management@pacoli.org
Address: 596 Larkfield Road, East Northport, NY 11731
Phone: 347-654-5685