Terms of Service

Effective Date: July 27, 2026

ZAFA Chartered Accountants ("ZAFA," "we," "us," or "our") provides professional accounting, audit, taxation, and advisory services. By engaging our services, you agree to these Terms of Service.

1. Services

ZAFA provides services including but not limited to: Audit & Assurance, Taxation Advisory, Business Process Outsourcing, Risk Advisory, Capacity Building, and related professional services as detailed in engagement letters.

2. Client Obligations

Clients agree to provide accurate and complete information necessary for service delivery. Clients are responsible for maintaining the confidentiality of their account credentials and financial data.

3. Fees and Payment

Fees are outlined in individual engagement letters. Payment terms are net 30 days unless otherwise specified. Late payments may incur additional charges.

4. Confidentiality

We maintain strict confidentiality of all client information in accordance with professional standards set by the Institute of Chartered Accountants of Pakistan (ICAP).

5. Limitation of Liability

Our liability is limited to the extent permitted by applicable law and as specified in individual engagement letters. ZAFA is not liable for indirect, consequential, or incidental damages.

6. Data Protection

Client data is processed in accordance with our Privacy Policy. We implement appropriate technical and organizational measures to protect client data.

7. Termination

Either party may terminate an engagement with written notice as specified in the engagement letter. Upon termination, clients shall pay for all services rendered through the date of termination.

8. Governing Law

These terms are governed by the laws of Pakistan. Any disputes shall be subject to the jurisdiction of courts in Lahore.

9. Contact

For questions about these Terms, contact us at:

ZAFA Chartered Accountants
Office # 6, 1st Floor, Cantt Board Plaza
Tufail Road, Lahore Cantt
Pakistan
Email: info@zafaca.com
Phone: +92 321-5149587