General Terms & Conditions

Application and Allotment:

  1. Eligibility Criteria: Applicant & Next of Kin must be a Pakistani Citizen (CNIC OR NICOP holder), having age not less than 18 years.
  2. Application forms cannot be re-sold by any individual / organization / company.
  3. Each Application form is only valid for selection of one plot category.
  4. Processing fee against any application is non-refundable.
  5. Applicant/Allottee shall pay all taxes levied by Federal Government, local and municipal bodies or related authorities in future.
  6. The payment plans does not include development charges.
  7. All transfers are ONLY handled at Karachi office.
  8. Vaadi & Koh doesn't encourage transaction dealing other than our sales agent, authorized dealer, premier dealers or agents at office.
  9. All correspondence by Vaadi & Koh, will be sent to the Applicants/Allottee's mailing address as given in the application form.
  10. Allottee is obliged to follow the terms and conditions regarding the possession, ownership, building rights, transfer of property which will be introduced by Vaadi & Koh or related Govt. Departments from time to time.
  11. Vaadi & Koh reserves the right to cancel and forfeit any amounts received in the event of default in the payment of 2 (two) consecutive installments as mentioned above in the payment plan.


  1. Payments to be made according to the payment plan. Payment will be made in Pakistani rupees and is exclusive of any kind of bank or credit card charges applicable thereon which shall be paid separately by the Allottee.
  2. All payments must be submitted in the form of Bank Draft / Pay Order in the favor of Vaadi & Koh Pvt. Ltd.
  3. You can also deposit cash in company's bank account
  4. Vaadi & Koh does NOT allow cash dealing with any of its representative may it be its sales agent, front desk agents or dealers.
  5. Discounts on payment plans vary on project to project basis.
  6. In order to avoid the delay in payment confirmation, kindly upload the payment receipt on the customer portal, so that payment can be verified at the earliest. To log in to customer portal, please visit:


  1. Project features may change on technical, legal grounds or for any other reasons, including provision of security and/or due to any restriction being imposed by the lawful authority.
  2. Applicants will abide by all the terms and conditions of the Project in addition to the company Bye-laws, enforced from time to time and of any other Authority / Department related to the Project.
  3. Developer undertake to complete and deliver the project within targeted period however if for reasons of force majeure which include acts of God, war, civil commotion, natural disaster, hostilities fire flood, earthquake, explosions, blockages and any other causes beyond control of developers they may abandon the project.
  4. Allottee is obliged to pay the development charges to Vaadi & Koh Pvt. Ltd. as communicated from time to time.



These terms and conditions apply to the User who uses the Online Services provided for any payment made to Vaadi & Koh Pvt. Ltd. Kindly read these terms and conditions carefully. By authorizing a payment to Vaadi & Koh Pvt. Ltd., through the online payment service ("the service"), it would be treated as a deemed acceptance to these terms and conditions. Vaadi & Koh Pvt. Ltd., reserves all the rights to amend these terms and conditions at any time without giving prior notice. It is the responsibility of the User to have read the terms and conditions before using the Service.

Key terms

The following is a summary of the key terms of this service:

Payment(s) made through this Service may only be made with a Credit Card or Debit Card.

Before using this Service, it is recommended that the user shall make necessary enquiry about the charges or fees payable against the Credit/Debit card used from Credit Card or the Debit Card service provider i.e. the respective Bank.

Taxes, fees, bank charges and any other additional levies and Government charges may apply, and are beyond our control and may Change at any time. These charges will be over and above of plot Price.

All payments are to be made by the applicant in Pakistani Rupees. Any kind of credit / debit or extra bank charges will be the responsibility of the applicant to pay and the charges will be over and above of the due amount.

It is the sole responsibility of the User of the service to ensure that the information entered in the relevant fields are correct. It is recommended that you take and retain a copy of the transaction for record keeping purposes, which might assist in resolution of any disputes that may arise out or usage of the service.

The Applicant agrees, understands and confirms that his/ her personal data including without limitation details relating to debit card/ credit card transmitted over the Internet may be susceptible to misuse, hacking, theft and/ or fraud and that Vaadi & Koh Pvt. Ltd., have no control over such matters

The service is provided using a payment gateway service provider through a secure website. However, Vaadi & Koh Pvt. Ltd., does not give any assurance, that the information so provided online by a user is secured or may be read or intercepted by a third party. Vaadi & Koh Pvt. Ltd., does not accept or assume any liability in the event of such unauthorized interception, hacking or other unauthorized access to information provided by a user of the service.

We cannot accept liability if payment is refused or declined by your credit/debit card supplier for any reason.

Vaadi & Koh Pvt. Ltd., shall not be liable for any inaccuracy, error or delay in, or omission of (a) any data, information or message, or (b) the transmission or delivery of any such data, information or message; or (c) any loss or damage arising from or occasioned by any such inaccuracy, error, delay or omission, non-performance or interruption in any such data, information or message. Under no circumstances shall the Vaadi & Koh Pvt. Ltd., its employees, directors, and its third party agents involved in processing, delivering or managing the Services, be liable for any direct, indirect, incidental, special or consequential damages, or any damages whatsoever, including punitive or exemplary arising out of or in any way connected with the provision of or any inadequacy or deficiency in the provision of the Services or resulting from unauthorized access or alteration of transmissions of data or arising from suspension or termination of the Service.

The Applicant agrees that Vaadi & Koh Pvt. Ltd., or any of its employees will not be held liable by the Applicant for any loss or damages arising from your use of, or reliance upon the information contained on the Website, or any failure to comply with these Terms and Conditions where such failure is due to circumstance beyond Vaadi & Koh Pvt. Ltd.'s, reasonable control.

If your card supplier declines payment, the Vaadi & Koh Pvt. Ltd., is under no obligation to bring this fact to your attention. You should check with your bank/credit/debit card supplier that payment has been deducted from your account.

Debit/Credit Card, Bank Account Details

The Applicant agrees that the debit/credit card details provided by him/ her for use of the aforesaid Service(s) must be correct and accurate and that the Applicant shall not use a Debit/ credit card, that is not lawfully owned by him/ her or the use of which is not authorized by the lawful owner thereof. The Applicant further agrees and undertakes to Provide correct and valid debit/credit card details.

The data that you provide during online payment transactions is securely held by Vaadi & Koh Pvt. Ltd., or our e-commerce provider under the terms of the Electronic Data Protection Act 2005 and will only be used for the purpose of recording your payment and for accounting processes. Your data will be treated confidentially and with the utmost care and respect. We shall abide by the principles of the Electronic Data Protection Act 2005 and ensure that the data is used for no other purposes and is disclosed to no third party, except in respect of data that it is necessary to provide to the e-commerce provider who will process this information on behalf of Vaadi & Koh Pvt. Ltd.

The Applicant warrants, agrees and confirms that when he/ she initiates a payment transaction and/or issues an online payment instruction and provides his/ her card / bank details:

The Applicant is fully and lawfully entitled to use such credit / debit card, bank account for such transactions;

The Applicant is responsible to ensure that the card/ bank account details provided by him/ her are accurate;

The Applicant is responsible to ensure that sufficient credit is available on the nominated card/ bank account at the time of making the payment to permit the Payment.

No warranty

No warranty, representation or guarantee, express or implied, is given by the Vaadi & Koh Pvt. Ltd. in respect of the operation of the service.

Disclaimer and Limitation of liability

Vaadi & Koh Pvt. Ltd., does not accept liability for any damage, loss, cost (including legal costs), expenses, indirect losses or consequential damage of any kind which may be suffered or incurred by the User from the use of this service.

Governing law

These terms and conditions are governed by the laws of Pakistan and the competent courts at Pakistan shall have exclusive jurisdiction.

Refund/Cancellation Policy

Payment once made will not be refunded under any circumstances.

Variations to the Terms and Conditions

The Vaadi & Koh Pvt. Ltd., reserves the right to vary these Terms and Conditions from time to time and the current version will be that published on this website.

We reserve the right to decline the acceptance of an online payment if your account is in default for any reason. We reserve the right to withdraw the service at any time at our discretion. We retain the right to change the terms and conditions, without any prior notice.

Terms of Reference

Following terms of reference are being dictated by "Vaadi & Koh Pvt. Ltd." (the "Company") for the purpose of engaging Agent / Dealers as long term partners to market, advertise and sell its existing and future Projects (residential cum commercial) to the general public on behalf of the Company.

The Company intends to invite applications for the selection of its Agent / Dealers. Please find below the guidelines with respect to the application and terms and conditions of engagement post selection.

Terms and Conditions for Agent / Dealer

  1. Agent / Dealer and/or its representatives shall conduct themselves in a manner consistent with the high image, reputation and credibility of the Company and its Projects, and shall engage in no activities which may reflect adversely on the Company or its Projects.
  2. Agent / Dealer and/or its representatives shall use best efforts to market and promote the Projects of the Company and sell property units to the general public in a diligent and lawful manner.
  3. Agent / Dealer and/or its representatives shall not engage in any unfair trade practices with respect to the Company or its Projects, and shall make no false or misleading representations with respect to the Company or its Projects.
  4. Agent / Dealer shall use the name, title and logo/ signage of the Company in connection with the Projects as a bare license thereof; the intellectual property of the Company shall only be used by the Agent / Dealer for the sole purposes of advertising and promoting the Projects of the Company.
  5. Agent / Dealer and/ or its sub agents shall not in any way depict or imply that the name, title and logo/ signage of the Company or the Projects is the intellectual property of the Agent / Dealer. Any misuse of the Company's intellectual property by the Agent / Dealer and/ or its sub-agent will result in contract termination and legal action.
  6. Agent / Dealer and/or its representatives shall not have any right or authority to assume, create and/or undertake any duty, obligation, liability or responsibility of any kind or nature whatsoever, on behalf of, in the name of, or otherwise binding on the Company.
  7. Agent / Dealer and/or its representatives shall comply with all applicable laws, rules and regulations that may be applicable in the performance of their duties and responsibilities under this Contract.
  8. All payments received by the Agent / Dealer from the general public against sale of property unit (s) shall be paid to the Company by way of pay order/ bank drafts (no cash payment will be accepted). The Company will accordingly issue receipt of the payment/ funds received to the Agent / Dealer.
  9. Agent / Dealer is entitled to receive commission in respect of each property unit sold by him / her in projects developed by "Vaadi & Koh Pvt. Ltd." (the "Company"), which commission shall be paid out/ released by the Company to the Agent / Dealer no later than 30 days after receipt of complete down payment and 1st installment from the buyer. The agreed incentive / commission shall vary on project to project basis. The Company shall further withhold all applicable taxes on commission payment as follows;
    Payee Entity Payee Status Tax Amount
    Individual Filer 12%
    Individual Non-Filer 12%
    Company Filer 12%
    Company Non-Filer 12%
  10. Agent / Dealer shall indemnify/ hold the Company harmless of any legal costs or judgments that may incur from the negligence of the Agent / Dealer or any employees/ representatives related directly or indirectly to the Agent / Dealer.
  11. Company is free to conduct market inquiries and/ or gather information from its own or third-party sources with respect to each Agent / Dealer before engaging into a formal contract with the Agent / Dealer.
  12. Company reserves all the rights with respect to selection of Agent / Dealer during the selection period.
  13. This Contract shall commence on the date of signing and will terminate at the end of one year period from the date of signing of this contract.
  14. Company reserves all the rights to engage or disengage with any Agent / Dealer during selection period and even during formal engagement, by issuing written notice, to be effective on prompt basis.
  15. This Contract is at will and may be modified or terminated by the Company, without cause or upon breach, by giving written notice to the Agent / Dealer.
  16. This Contract shall become effective upon signature by authorized representative of the Company and Agent / Dealer and will remain in effect until the same is modified or terminated by written notice.