The terms that govern your use of our website and services.
Last updated: 5 September 2026
These Terms and Conditions (“Terms”) govern your use of the website at rafinsolutions.com (the “Site”) operated by Rafin Solutions (“we”, “us”, or “our”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree with any part of them, please do not use the Site.
These Terms apply to all visitors and users of the Site. Where we provide consultancy services to a client, those services are governed by a separate written engagement or proposal, and these Terms do not replace it.
Rafin Solutions is a specialist consultancy providing compliance, governance, and financial-services support, including assistance with licensing, AML/CFT compliance, KYC/KYB, training, and fintech services. We operate from Opposite to Bega Sanitary Store, Gulyana Road, Kharian, District Gujrat, Pakistan, and serve clients internationally.
You agree to use the Site only for lawful purposes and in a way that does not infringe the rights of, or restrict or inhibit the use of the Site by, any third party. You must not:
Information about our services on the Site is provided for general awareness and does not constitute an offer to provide services. Where you contact us about our services, we may invite you to a consultation and prepare a proposal or scope of work. No engagement is formed until a written agreement or statement of work is agreed and signed by both parties.
Each engagement is subject to its own terms, including deliverables, fees, timelines, and any regulatory conditions. In the event of any conflict between these Terms and an engagement agreement, the engagement agreement will prevail.
Where you engage us to provide services, you agree to:
Fees for our services are set out in the relevant proposal or engagement agreement. Unless otherwise agreed, fees are quoted exclusive of applicable taxes, which will be added where required. Invoices are payable in accordance with the terms stated on the invoice, and we reserve the right to suspend work on overdue accounts until payment is received.
All content on the Site, including text, graphics, logos, images, and software, is the property of Rafin Solutions or its licensors and is protected by applicable intellectual property laws. You may view and download content from the Site for your personal, non-commercial use only. You must not reproduce, distribute, modify, or republish any content without our prior written consent.
Deliverables we produce for clients under an engagement are subject to the ownership and licence terms set out in the relevant engagement agreement.
We treat information shared with us by clients and enquirers as confidential and use it only for the purposes for which it was provided. Nothing in these Terms prevents us from disclosing information where required by law, regulation, or a professional obligation, or where it is already in the public domain.
The Site and its content are provided on an “as is” and “as available” basis. To the extent permitted by law, we make no warranties, express or implied, about the Site, including that it will be uninterrupted, error-free, or free from harmful components.
To the fullest extent permitted by law, Rafin Solutions will not be liable for any indirect, incidental, special, or consequential loss or damage arising out of or in connection with your use of the Site, including loss of profits, data, or goodwill. Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law.
You agree to indemnify and hold Rafin Solutions and its team harmless from and against any claims, losses, liabilities, and expenses arising out of your misuse of the Site or your breach of these Terms.
The Site may contain links to third-party websites. These links are provided for your convenience only. We do not endorse and are not responsible for the content, products, or services of any third-party website. Your use of third-party websites is subject to their own terms and policies.
We may suspend or terminate your access to the Site at any time, without notice, if you breach these Terms or if we reasonably believe your use of the Site poses a risk to us or others. Provisions of these Terms that by their nature should survive termination, including intellectual property, confidentiality, and limitation of liability, will continue to apply.
These Terms are governed by the laws of England and Wales, without regard to its conflict of law principles. Any dispute arising out of or in connection with these Terms or your use of the Site will be subject to the exclusive jurisdiction of the courts of England and Wales.
We may revise these Terms from time to time. The latest version will always be published on this page, and the “Last updated” date will be revised accordingly. Your continued use of the Site after changes are published constitutes acceptance of the revised Terms.
If you have any questions about these Terms, please contact us at:
Alternatively, you can reach us through our contact page.
