Conditions for Website Use

By using this website, you signify your agreement to the terms and conditions contained in any legal notices contained on this website. Please read all agreements carefully, including our Privacy Policy. We reserve the right to add, delete, or otherwise modify portions of any terms at any time. User access to and use of this website is subject to all applicable federal, state, SECP laws and regulations.


Authorized Non-Admitted Operations

Any and all risks placed with the insurance/takaful company through Alpha Consultants must be placed in accordance with applicable state and federal law, including surplus lines laws and in good faith. The insurance / takaful company experiences changes in the rules of state authorities from time to time, and some information on this website may not be current. The website may contain information or products which may not be available in all cities. The Alpha Consultants has created this website to include relevant information, however no representation is made as to completeness or accuracy of the information it contains.


General Information Only

Any applications, information asked, policy forms, or other documents on this website are for general information only. Customers and policyholders are hereby advised that Alpha Consultants does not warrant that forms on this website are THE INSURANCE/TAKAFUL COMPANY’s current forms, represent coverage provided to any insured/participant or are consistent with any present, future, local, state, or federal statutes, administrative rules, or prevailing case law. The descriptions of insurance / takaful coverage are general in nature and are not a replacement for actual policy language. Accordingly, we strongly recommend that you consult your attorney concerning any forms before becoming a member / registering yourself or your company.


Use of Material from this Site

This website (including all of its contents) is our property and is protected by copyright, trademark, and other laws of the state and other countries. We authorize you to browse through the website and print and download copies of material on the website for the limited purpose of doing business with us, and so long as you do not remove any copyright or other notices that appear on the material you print or download. You agree that you will not otherwise copy, display, or transmit any material on the website in any manner or medium.


“AS IS” Use

The materials on our website are provided “AS IS” and without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, non-infringement, freedom from computer virus, and warranties arising from course of dealing or course of performance. We do not represent or warrant that the functions contained in the website will be uninterrupted or error-free, that defects will be corrected, or that the website or the server that makes the website available is free of viruses or other harmful components. We do not make any warranties or representations regarding the use of the materials in the website in terms of their completeness, correctness, accuracy, adequacy, usefulness, timeliness, reliability or otherwise. You are responsible for the entire cost of any damage to your computer system or loss of data.


Limitation of Liability

Your use of the website is at your own risk. To the fullest extent permitted under applicable law, you understand and agree that neither we, nor any third-party, as content providers shall be liable for any direct, indirect, incidental, special, consequential, punitive, exemplary, or any other damages relating to or resulting from your use or inability to use the website or any other site you access through a link from the website or from any actions we take or fail to take. These include damages for errors, omissions, interruptions, defects, delays, computer viruses, your loss of profits, loss of data, unauthorized access to and alteration of your transmissions and data, and other tangible and intangible losses. This limitation applies regardless whether the damages are claimed under the terms of a contract, as a result of negligence or otherwise, and even if our representatives or we have been negligent or have been advised of the possibility of such damages. These limitations shall apply notwithstanding any failure of essential purpose of any limited remedy. In no event shall our total liability to you for all damages, losses, and causes of action, whether in an action under contract, tort, or any other theory, exceed Rs.1000/00.


Jurisdictional Agreement

Use of this website shall be governed by and construed in accordance with the laws of the State , without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these terms and conditions shall be filed only in the state courts located in Rawalpindi and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any material on the website, or your use of the website, is contrary to the laws of the place where you are when you access it, the website is not intended for you, and we ask you not to use the website. You are responsible for informing yourself of the laws of your jurisdiction and complying with them.


General Provisions

Our failure to insist upon or enforce strict performance of any provision of these terms and conditions shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any of these terms and conditions.


Copyright Notice

All rights reserved. No materials from this website may be copied, reproduced, republished, posted, or distributed in any way, except as expressly permitted herein or with the prior written consent of ALPHA CONSULTANTS.


Trademark Notice

ALPHA CONSULTANTS designs and logos contained on this site are trademarks of The company . (“ALPHA CONSULTANTS”) and may not be used without the express written consent of THE  COMPANY.

IMPORTANT NOTICE: It is your contractual responsibility to report any Claim, Loss or lawsuit, or any incident or event which could reasonably lead to a Claim, Loss or lawsuit, directly to us as set forth in the Policy. If for any reason you are unable to use our Online Claims App for this purpose, it is still your responsibility to report any such Claim, Loss, lawsuit, incident or event to us as set forth in the Policy by another method such as by TELEPHONE / EMAIL (Given in the policy) Your failure to do so may jeopardize any coverage as set forth in the Policy.


The Company writes in all cities / towns / districts of Pakistan.

All information, content, and materials available on this site are for general informational purposes only. This information does not, and is not intended to, constitute legal advice on any particular set of facts or circumstances, and may not constitute the most current legal developments. No user or browser of this site should act or refrain from acting based on the contents of this site without first seeking legal advice from counsel in the appropriate jurisdiction. This website may also contain links to content from third-party web sites which are intended only as a convenience for the user or browser and are not necessarily recommended or endorsed by The Alpha Consultants and its affiliates. All liability with respect to actions taken or not taken based on the contents of this site are hereby expressly disclaimed. The content on this website is provided “as is” and no representations are made that the content is free of errors.

Alpha Consultants has no liability of any sort regarding the claims, liability, etc. All liabilities are to be borne by the insurance / Takaful provider.