Terms of service

These Terms of Service explain the conditions that apply when you use zarfina.com, browse our products, place an order or contact ZARFINA customer care. ZARFINA is owned and operated by KASHAF.

Overview

By accessing our website, placing an order or using our services, you agree to these Terms of Service and our Privacy Policy, Shipping Policy, Refund Policy and Returns & Exchanges Policy.

Business Identity

ZARFINA is a fashion brand owned and operated by KASHAF.

Business / Brand Name: ZARFINA
Owner / Proprietor: KASHAF
Registered Business / Branch Name: ZARFINA
Website: zarfina.com

Use of Our Website

You agree to use our website only for lawful shopping and browsing purposes. You must not interfere with the website's security, attempt unauthorized access, misuse our services, copy protected content without permission or submit false order or payment information.

Product Information

We make reasonable efforts to display product images, colors, prices, sizes and descriptions accurately. However, colors may vary slightly due to photography, lighting, screen settings and fabric dye lots. Minor variations of this nature are not considered product defects.

Orders and Acceptance

After placing an order, you may receive confirmation by email, SMS, WhatsApp or phone. An order confirmation does not guarantee acceptance or dispatch.

ZARFINA may verify, hold or cancel an order before dispatch if stock is unavailable, payment is unsuccessful or unconfirmed, delivery details are incomplete or the transaction requires additional verification.

Pricing and Currency

All prices are displayed in Pakistani Rupees unless otherwise stated. Product prices, discounts and delivery charges may change without prior notice. The amount shown at checkout will apply to the order.

Payment Methods

Available payment methods may include Cash on Delivery, debit card, credit card, digital wallet or other payment options displayed at checkout.

Online payments may be processed through XPay/PostEx and its banking, card-network, wallet or payment-processing partners.

An online order will be treated as paid only after successful payment confirmation is received from the payment service provider.

Payment Verification

ZARFINA or its payment service providers may perform transaction verification and fraud-prevention checks. In some cases, customers may be asked to provide additional order or payment information before an order is processed.

ZARFINA may hold or cancel an order where a payment cannot be verified or appears unauthorized, duplicated or suspicious.

Failed, Pending and Duplicate Payments

A failed or pending transaction may temporarily appear as deducted from the customer's account. Any reversal time depends on the customer's bank, card issuer, wallet provider or payment processor.

Customers should contact ZARFINA with their order number and transaction reference if a payment remains unresolved or if a duplicate payment occurs.

Cash on Delivery

Cash on Delivery may be available for eligible locations and orders. ZARFINA may confirm a Cash on Delivery order by phone or WhatsApp before dispatch. An unconfirmed order may be held or cancelled.

Order Changes and Cancellations

Order changes or cancellation requests should be submitted before dispatch. Once an order has been processed or shipped, changes or cancellation may not be possible.

Customized, stitched, altered, made-to-order or specially requested products may not be eligible for cancellation.

Delivery

Delivery timelines are estimates and may vary because of courier delays, incomplete addresses, weather, public holidays, stock availability or circumstances beyond our reasonable control.

Customers are responsible for providing complete and accurate delivery and contact information.

Returns, Exchanges and Refunds

Returns, exchanges and refunds are handled according to our Refund Policy and Returns & Exchanges Policy. Customers must report issues within the stated time period and meet the applicable eligibility conditions.

Approved online-payment refunds will normally be returned to the original payment method used for the transaction.

Intellectual Property

The ZARFINA name, website text, product images, graphics, layouts and design elements belong to ZARFINA and/or its owner/proprietor KASHAF, or its authorized content providers. They may not be copied, reproduced or used for commercial purposes without permission.

Limitation of Liability

To the extent permitted by applicable law, ZARFINA and its owner/proprietor are not responsible for indirect losses, delays caused by couriers or financial institutions, interruptions outside our control or losses caused by incorrect information supplied by the customer.

Nothing in these terms limits any rights or remedies that cannot legally be excluded.