Terms and Conditions

Effective Date: April 25, 2025
Website: www.pfmtoday.com
Owner: Proactive Future Media

1. Introduction

Welcome to PFM Today.
These Terms and Conditions govern your access to and use of our website, content, services, and any interactions with us. By using or accessing PFM Today, you accept and agree to be legally bound by these Terms. If you do not agree, you must stop using our website immediately.

2. Use of the Website

You may use our website for lawful purposes only.
You agree not to use PFM Today:

• To engage in any unlawful, fraudulent, or harmful activity
• To attempt to interfere with the website’s normal operation
• To upload or share harmful code such as viruses or malware
• To access private areas of the website without authorization

We reserve the right to block access or take appropriate action if any misuse is detected.

3. Intellectual Property Rights

All articles, news stories, graphics, logos, videos, and overall website design are owned or licensed by Proactive Future Media unless otherwise stated.
You are not allowed to copy, reproduce, republish, upload, post, or distribute any material from our site without obtaining prior written permission from us.

However, you may share links to our public pages on social media, blogs, or email — provided you do not alter the original content or present it out of context.

4. User-Generated Content

You may have the option to submit comments, feedback, or suggestions.
By submitting content to PFM Today, you:

• Grant us a worldwide, royalty-free, non-exclusive license to use, modify, and publish your content
• Warrant that your content is your own and does not infringe on the rights of others
• Agree that we may remove or edit your submissions at our sole discretion if they violate any terms or are inappropriate

We are not responsible for the content posted by users but will act promptly upon complaints or violations.

5. Content Accuracy and Availability

We strive to ensure that the information published on PFM Today is accurate, timely, and useful. However, we do not guarantee:

• The absolute accuracy or completeness of any content
• That the website will always be available without interruption
• That errors, omissions, or outdated information won’t exist

Content is for informational purposes only. We reserve the right to modify, update, or remove content at any time without notice.

6. Third-Party Links and Resources

PFM Today may contain links to external websites and third-party resources. These links are provided for convenience only and do not imply endorsement or responsibility for the content or practices of those sites.
If you access any third-party site linked from PFM Today, you do so at your own risk.

We encourage you to review the terms and privacy policies of any external sites you visit.

7. Advertisement and Sponsored Content

Our website may display advertisements, sponsored articles, or promotional content.
All advertisements and sponsored content will be clearly identified.
We do not endorse products or services advertised unless explicitly stated, and we are not responsible for the claims or representations made by advertisers.

Please read our separate Advertisement Policy for full details.

8. Privacy Policy

Your use of PFM Today is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.
Please read it carefully to understand your rights and our obligations regarding your personal data.

9. Disclaimer of Warranties

PFM Today is provided on an “as is” and “as available” basis.
We make no warranties, expressed or implied, about the operation of the website, the information, the content, or the materials included on the website.
To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability and fitness for a particular purpose.

Your use of the website is at your sole risk.

10. Limitation of Liability

To the maximum extent permitted by law, Proactive Future Media and its team will not be liable for any damages of any kind arising from the use of this website, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

This limitation of liability applies even if we have been advised of the possibility of such damages.

11. Indemnification

You agree to defend, indemnify, and hold harmless PFM Today and its affiliates from and against any claims, damages, costs, liabilities, and expenses arising out of:

• Your use of the website
• Your violation of these Terms
• Your violation of any rights of a third party

12. Termination of Access

We reserve the right to suspend or terminate your access to PFM Today without prior notice if we believe you have violated these Terms or applicable laws, or if necessary to protect the rights and safety of our users and the website.

13. Changes to the Terms

We may update or change these Terms from time to time.
Whenever we make significant changes, we will update the “Effective Date” at the top of this page.
It is your responsibility to review these Terms periodically. Continued use of PFM Today after any changes constitutes acceptance of the updated Terms.

14. Governing Law and Jurisdiction

These Terms are governed by the laws of Pakistan.
Any disputes arising in connection with these Terms will be subject to the exclusive jurisdiction of the courts located in Pakistan.

15. Contact Us

If you have any questions, concerns, or feedback regarding these Terms and Conditions, please contact us:
PFM Today (Proactive Future Media)
Email: info@pfmtoday.com
Website: www.pfmtoday.com