Effective Date: 1 May 2026
By accessing or using Apna Ghar Guide ("the website", "we", "our"), you agree to be bound by these Terms of Service. If you do not agree, please do not use this website.
1. Informational Purpose Only
Apna Ghar Guide provides general information about Pakistan's housing schemes including the Wazir e Azam Apna Ghar Programme, Apni Chhat Apna Ghar (ACAG), and Apni Zameen Apna Ghar (AZAG). Content on this website is for informational and educational purposes only.
We are not a lawyer, financial advisor, real estate agent, government office, bank, or scheme administrator. The website does not provide legal, financial, tax, or investment advice.
2. No Affiliation
Apna Ghar Guide is an independent editorial project. We are not affiliated with:
- The Government of Pakistan
- The Government of Punjab
- The State Bank of Pakistan
- PHATA (Punjab Housing & Town Planning Agency)
- Any participating bank including Meezan Bank, HBFC, Bank Alfalah, or others
- Any political party or government official
3. No Warranties
Information on this website is provided "as is" without warranties of any kind. While we make every effort to ensure accuracy, scheme details, eligibility criteria, loan slabs, markup rates, and procedures change frequently. We cannot guarantee that information is current or applicable to your specific situation.
Always verify current details on the official portals before making any application or financial decision.
4. User Responsibilities
By using this website, you agree to:
- Use information for lawful purposes only
- Not attempt to scrape, copy, or reproduce our content for commercial purposes without written permission
- Not use the website to commit fraud, impersonate others, or misrepresent eligibility for government schemes
- Not interfere with the website's security or operation
- Verify all information independently before acting on it
5. No Application Processing
Apna Ghar Guide does not process applications for any housing scheme. We do not act as an intermediary between applicants and the government, banks, or scheme administrators. If anyone claims to be us and offers to process your application for a fee, it is a scam, report to FIA Cybercrime at 1991.
6. Limitation of Liability
To the maximum extent permitted by Pakistani law, Apna Ghar Guide and its operators shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:
- Use or inability to use the website
- Reliance on information provided
- Errors, omissions, or inaccuracies in content
- Failed applications or rejected scheme requests
- Third party content or links
- Technical failures, downtime, or data loss
Your sole remedy for dissatisfaction with the website is to stop using it.
7. Intellectual Property
All original content on this website including text, images, graphics, code, and design is owned by Apna Ghar Guide and protected by Pakistani and international copyright laws. You may:
- View, print, or save pages for personal, non commercial use
- Share links to our pages on social media or in emails
- Quote brief excerpts with proper attribution and a link back
You may not republish full articles, build derivative works, or use our content commercially without written permission.
8. External Links
Our website contains links to government portals (apnaghar.gov.pk, acag.punjab.gov.pk, etc.) and bank websites. We are not responsible for the content, privacy practices, or accuracy of external sites. Linking does not imply endorsement.
9. Advertising
This website displays third party advertisements through Google AdSense and similar networks. Advertised products and services are not endorsed by Apna Ghar Guide. We are not responsible for transactions, claims, or experiences with advertisers.
10. Modifications
We may modify these Terms at any time. The "Effective Date" will be updated when changes are made. Continued use after changes constitutes acceptance.
11. Termination
We may restrict or terminate access to the website for users who violate these Terms or engage in fraudulent, abusive, or illegal activity.
12. Governing Law
These Terms are governed by the laws of the Islamic Republic of Pakistan. Any disputes shall be resolved exclusively in the courts of Lahore, Punjab.
13. Contact
For questions about these Terms:
Email: legal@apnagharguide.pk