Karlo Apply | Terms and Conditions
Terms and Conditions
These are the terms and conditions (the 'Terms') on which you may make use of the website www.karloapply.com (a 'Website'), whether as a guest or a registered user. Please read these Terms carefully before you start to use the Website. By using the Website, regardless of how you access it, you confirm that you accept these Terms and that you agree to abide by them.

If you do not agree to these Terms, please refrain from using the Website.
1. About Karlo Apply
We are the education marketplace, a private company incorporated in Karachi, Pakistan under jurisdiction of provincial government of Sindh whose registered office is at Building No. 1-C, Nishat Lane 1, Khayaban-e-Nishat, Phase VI, DHA, Karachi ('KA', 'we', `us').
You can contact us by telephone on +92 21 35850200, by email to [email protected] or in writing to the above address.
Our role is to provide simplified process of admissions services across a range of universities with a ease of comparing programs and facilities offered.
2. Changes to the Terms
We reserve the right at all times to vary, change, alter, amend, add to or remove any of these Terms. Please ensure that you review these Terms each time you use the Website as you will be deemed to have accepted a variation if you continue to use the Website after the variation has been posted.
The current draft of these Terms was adopted and published on 01st July 2020. 3.
3. Information about you and visits to the Website
We process information about you in accordance with our privacy policy. By using the Website, you consent to such processing and you warrant that all data provided by you is accurate.
You will be asked to register, using certain personal details, before being given access to certain areas of our Website, including in order to make an application to an education provider using our Apply service. We may use the details you provide in future to contact you in accordance with our privacy policy. You agree to disclose true and complete information during the account registration process, and to update your information if and when it changes. Your use of our 'Apply' service is governed by the Declaration.
4. Access to and use of our Website
You may only use the Website for lawful purposes. When using the Website, you must not:

Decrypt, extract, disassemble, reverse-engineer or decompile the Website.
Use the Website in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect
Include any portion of the Website in any other software program
Develop methods to enable unauthorised parties to use the Website
Create any modifications or derivative works directly or indirectly using the Website, or components thereof
Knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware of the Website
Damage, interfere with or disrupt the Website in any way
Use the Website or information obtained from the Website to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam)
Use the Website for any purpose that is unlawful, improper or illegal, or in breach of any, or for the purpose of breaching any, law
Use the Website in a way which infringes the rights of or harasses anyone else, is harmful to, or otherwise restricts or inhibits anyone else's use and enjoyment of the Website
Use the Website to impersonate any person or entity or falsely state or misrepresent your affiliation with a person or entity
Post comments about yourself which are not in good faith and in accordance with your honestly held beliefs
Use the Website for the purpose of harming or attempting to harm minors in any way
Use contact details obtained using the Website to harass any person

Access to the Website is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Website without notice. We will not be liable if for any reason the Website is unavailable at any time or for any period.
We will use our reasonable endeavours to make the Website available but cannot guarantee that the Website will operate continuously or without interruption or be error-free. You must not attempt to interfere with the proper working of the Website and, in particular, you must not attempt to circumvent security, tamper with, hack into, or otherwise disrupt any computer system, server, website, router or any other internet connected device. You are also advised to use the appropriate antivirus software before and during access to the Website.
We reserve the right, at any time and for any reason or none, to suspend or terminate your access to, or use of, the Website, or any part thereof. We may also restrict access to some parts of our Website to users who have registered with us.
Where you choose or are provided with a Karlo Apply Personal ID, Code, Password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. Please ensure that you log off when not using the Website and ensure that devices which you use to access the Website are securely locked when not in your possession. You must notify us if you suspect there has been any unauthorised use of your Karlo Apply credentials or any other breach of security.
We have the right to disable any Karlo Apply Personal ID, Code or Password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Terms. We will not be liable for any loss or damage whatsoever resulting from the disclosure of your Karlo Apply credentials contrary to these Terms.
5. Intellectual Property Rights
We are the owner or licensee of all copyright and other intellectual property rights in any material contained on the Website.
You may access any part of the Website and download or copy material (by printing off individual pages onto paper) or download material on to disk (but not on to any server or other device connected to a network) for personal non-commercial use only. The intellectual property rights in such material shall be retained by Karlo Apply or, where the material has been licensed to Karlo Apply, by the owners of the rights in the material. Copying, distributing or any use of the material contained on the Website for any commercial purpose is prohibited.
The Website contains trademarks which belong to Karlo Apply or which have been licensed to Karlo Apply by the trademark owners. Any use of these trademarks by you is forbidden unless prior written permission has been obtained from the trademark owner. Karlo Apply will take legal action against any individual or organisation which seeks to use Karlo Apply' name, material, logos or trademarks for unlawful purposes.
You may not remove any copyright, trademark or intellectual property notices contained in the original material from any material downloaded or copied from the Website.
Links to the Website are not permitted, other than links to the homepage for your personal use, except with our prior written permission. Links to the website from within a frameset definition are not permitted except with our prior written permission.
You may not create a database by systematically downloading substantial parts of the Website.
The data we make available through our website, in the 'Data and analysis' section, that is provided in an open data format (typically CSV), is licensed subject to the terms of the Creative Commons Attribution 4.0 International Public License, as amended from time to time.
6. Uploading Content to the Website
When you are invited to upload video content you have created (`Content') you can do this by submitting it to us via our web form. Karlo Apply is not liable for technical, hardware, or software failures of any kind or lost, inconsistent or unavailable network connections that may limit or prohibit Content being uploaded. We may use any Content you upload, but we cannot promise to. You warrant that you are legally entitled to post the Content and to grant to us the licence referred to in clause 6.3 below.
By uploading video content you confirm that it is your own work. You undertake that, prior to uploading any Content to our Website, you have permission, including any assignments, waivers, licences, rights, consents, and permissions ('Permissions') in respect of anyone else's rights in or to the Content (including, without limitation, all intellectual property rights, moral rights, performance rights (which include any music used in your video) rights to privacy, image rights and publicity rights), which give you (and us, relying on your agreement to these Terms) the right to immediately use, publish, reproduce, distribute, produce derivative works of, edit, perform, display and broadcast the uploaded Content in any media formats and through any media channels without liability to any third party. Karlo Apply reserves the right to require proof that all necessary Permissions have been given and you agree, on request, to provide written evidence of those Permissions (including parental consent if necessary) and perform such acts as Karlo Apply may reasonably require.
When you upload or post Content to our website, you:
Grant to us an irrevocable, perpetual, worldwide, non-exclusive, royalty-free, transferable licence (with right to sub-license) to use, publish, reproduce, distribute, produce derivative works of, display, broadcast and perform the Content in part or as a whole, in any media formats and through any media channels
Waive all moral rights in the Content
You agree that you will not upload any Content which is illegal defamatory , obscene,incites prejudice or hatred or which it is unlawful which
((you are under 16 years of age, then by uploading Content you confirm that you have the permission of your parent or guardian to do so.
You warrant that any Content uploaded by you shall fully comply with these Terms, and you will be liable to us and indemnify us for any breach of that warranty. If you are in any doubt about your Content or whether or not (being under 16 years) you have your parent's or guardian's permission, then you should not upload it.
We shall be entitled to disclose your identity to any third party who claims that any Content uploaded by you infringes their rights.
7. Links to other websites
Karlo Apply provides links to website and other resources provided by third parties, and aims to link to websites that we feel will enhance your experience by offering useful background knowledge, specialist advice and information, and informed commentary and views. We only provide links to websites which we hope enhance your experience of using the Website; please tell us if they don't. When linking to third party websites, we use an icon ( ) to make it clear you are leaving our Website.
The existence of links from the Website to external websites does not mean that we endorse or promote those websites, the views of their developers, products or services made available on them. We have no control over the content of those external websites or other third party resources, and accept no responsibility for and exclude all liability that may arise with respect to them or for any loss or damage that may arise from your use of them.
We receive no payment or payment in kind in respect of websites or other resources to which links are provided. If content is sponsored, part of Karlo Apply Student Discounts, or if it is included within the context of an advert, we make this clear. We normally link to content which is free to access, but you may sometimes be asked to register or subscribe to an offer or service once you leave the Website, by the operator of a linked website. We will not link to websites which require you to pay before you view the content on them.
We fix or remove missing, broken, or redirected links whenever we find them. If you spot anything which isn't working in the way you would expect it to, please let us know.
8. Disclaimer and limitation of liability
Karlo Apply has taken care to ensure that the information on the Website is correct. However, no warranty, express or implied, is given as to: (i) its accuracy; or (ii) its availability, and Karlo Apply does not accept any liability for error or omission. Karlo Apply is not responsible for how the information is used, how it is interpreted or what reliance is placed on it. We do not guarantee that the information on the Website is fit for any particular purpose. You should also be aware that the availability of courses of study is subject to conditions applied by individual institutions at their sole discretion.
The content of the Website is for general information only and does not constitute any form of advice or recommendation upon which a specific decision should be made. Karlo Apply has taken steps to ensure the materials contained on its Website are current and accurate, but to the fullest extent permitted by law Karlo Apply hereby excludes any warranty, whether express or implied, by statute at common law or otherwise, relating to the Website and the material contained on the Website. In particular (but without limitation of the above), Karlo Apply gives no warranties as to quality, accuracy, timeliness, completeness or fitness for a particular purpose of the Website or of the material contained in it
To the fullest extent permitted by law, Karlo Apply shall not be liable for any claims, costs, penalties, loss (whether direct, indirect or consequential and whether economic or special loss of any nature), damages or expenses arising from the use or from the inability to use the Website. Karlo Apply does not accept liability from reliance on information or advice contained on the Website or from any unauthorised access or alteration to the Website by a third party.
Whilst the Website may from time to time contain advertising material, Karlo Apply does not endorse or accept any liability for any of the products or services so advertised, or for any error or inaccuracy in the advertisements. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on the Website complies with all relevant laws.
We shall have xno liability to you for any breach of these Terms caused by any event or circumstance beyond our reasonable control, including, without limitation, strikes, lock-outs, or other industrial disputes, breakdown of systems or network access, or flood, fire, explosion or accident.
Nothing in these Terms shall exclude liability for death or personal injury directly caused by our negligence, nor any other liability which cannot be excluded or limited under applicable law.
9. General
These Terms are not intended to confer any benefit on a third party under the provision of the Contracts (Rights of Third Parties) Act 1999.
These Terms shall be construed and interpreted in accordance with the laws of Pakistan (jurisdiction of Government of Sindh). The courts of Pakistan shall have exclusive jurisdiction in relation to any claim, dispute or other matters arising therefrom, without prejudice to Karlo Apply' right to bring proceedings in the courts of the country of residence of any user of the Website.
If any provision of these Terms is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of these Terms which shall continue to have full force and effect.
The failure by us to exercise any right or remedy under these terms and conditions shall not constitute a waiver of that right or remedy.
10. Information collected automatically
Karlo Apply logs HTTP requests to our server, as well as tracking website clickstream and other browsing data using cookies ("Web Analytics"). This captures computer information and navigation data. Some of the information collected does not identify who you are. Other information, such as your domain name or IP address, may identify you depending on the naming standards followed by your Internet service provider. If this concerns you, you may wish to ask them about their policies and practices. Web Analytics is the collection, analysis, measurement, and reporting of data about Web traffic and visits for purposes of understanding and optimizing Web usage, as well as assessing the effectiveness of online advertising. The following types of information are collected and used for Web Analytics:

The Internet domain and IP address from which you access the Websites;
The type of browser and operating system used to access the Websites;
The date and time you access the Websites;
The geographical location from which you access the Websites;
The pages you visit; and
If you linked to the Websites from another website, the address of that website.

We use this information to help us make our sites more useful to our audiences by learning about the number of visitors to our sites, and by monitoring traffic patterns and the types of technology our visitors use. This Web Analytics information may also be linked to your Personal Information in order to provide better customer service. Visitor information is not disclosed to anyone except Karlo Apply personnel, and to certain universities which may utilize more sophisticated Web Analytics functionality, who need the information for legitimate business purposes. Certain third party services relied upon by Karlo Apply, such as for live chat, also utilize cookies and other Web Analytics which may collect identifying features about you. Please review third party privacy policies, including the universities, if this concerns you.

If you wish, you may opt out of or minimize the extent of Web Analytics by disabling or refusing the cookies; by disabling JavaScript within your browser; or by using the Google Analytics Opt-Out Browser Add-On. These steps may cause difficulties accessing certain services.

11. Complaint Procedure
In the case of a justified complaint due to mistakes in our grade calculation, the Applicant is entitled to re-calculations and new preliminary review documentation from Karlo Apply within a maximum of 14 calendar days after our receipt of their objection. The universities concerned will also be duly notified within this time period.
Error reports can be made by post or via the contact form in the Applicant's online account. Karlo Apply will evaluate the application again and clarify the cause for the faulty decision. If Karlo Apply is unable to remedy any erroneous issues, and if the Applicant makes another complaint, Karlo Apply will forward the application together with an explanation to the university for a final decision to be made.
12. Changes to Chosen Study Courses
In general it is possible for Applicants to change their chosen study course(s) for a university before that university's application deadline is reached. Further, it is only possible to ask Karlo Apply to amend a chosen course before the application is sent to the university in question. If the application has already been sent to the university, any changes must be directed straight to the university before the application deadline is reached

13. Processing after Forwarding to University
Once an application has been successfully forwarded to the university, Karlo Apply is not obliged to process the application any further if any new documents are submitted. The Applicant is obliged to send any subsequently acquired certificates directly to the university. Karlo Apply will only deal with subsequent processing at the explicit request of the university.

14. Information Service via Karlo Apply
karlo Apply's telephone, contact form and homepage information service for its Applicants is a voluntary provision of service and does not form an immediate part of the agreement between the Applicant and Karlo Apply. Karlo Apply's staff will provide information to the best of their knowledge and with due diligence. Information is obtained primarily from the universities themselves. Karlo Apply shall not be held liable for any incorrect information or mistakes in the information provided by its staff.

15. Handover of Applications to the Universities
Karlo Apply generally saves all processed applications to its own servers and then makes them available to the universities for download via their software. The staff of the universities shall have constant access to the data, documents (in prepared digital form) and summary description of Karlo Apply's evaluation result of an application once the application is marked as successful submission.
Applications are deemed handed over once the data have been made available in the download area of the university's portal. Alternatively the universities can demand preliminary review documentation, which will be issued if the preliminary evaluation is affirmative. In this case the documents will not be forwarded to the universities and the Applicant has to apply directly at the university. The universities will inform about the special application procedure.
Applications will only be handed over to the university if:
They are formally complete
They fulfil the admission requirements set out by the university
16. System of Handling Fees
The Members determine the amount of the handling fees for the individual Applicant groups at the yearly member's convention
For Karlo Apply services, the currently valid handling fees apply pursuant to the information at homepage.
All Government taxes / levy will be excluding in all aforementioned fees.
17. Refund Policy
Credit is accrued for the Applicant if:
The Applicant has paid an amount in excess of the fees required or
The Applicant has paid fees where the university carries the costs or
An application is withdrawn by the Applicant before the preliminary evaluation and determination of the evaluation result has been completed.
In the event of a situation as detailed under la or 1 b, any credit will be refunded in full. If an application is withdrawn by the Applicant before final submission to university. Karlo Apply reserves the right to deduct an administrative fee from the amount to be refunded.
If Applicants have a credit, they will be asked to name a bank account for online transfer. The credit will then be transferred back into the provided account in line with customary bank cost rates.
The limitation period of any refund claims is governed by existing law.
18. Conditions of Payment
The payment of fees by the Applicant shall be carried out in advance. Karlo Apply will only begin processing applications once the selected university admission fee along with Karlo Apply handling fees have reached us and been allocated.

19. Honouring Deadlines
The application deadlines specified by the universities are identical to the deadlines that apply at Karlo Apply for the individual universities and their program offers. If an application or late document submission reaches uni-assist by a date speficied by the university, it will be deemed to have arrived on time. To this end the late submission deadlines specified by the university (if any) will also apply. If universities do not grant a late submission deadline, then Karlo Apply cannot grant one either.
If the corresponding university requests that application documents be submitted in paper form within the application period or granted late submission deadline, then this shall also apply to the agreement between the Applicant and Karlo Apply. Documents sent in electronic form will not count as valid submissions if the university has asked for paper documents.
20. Data Protection
Karlo Apply commits itself to comply with the applicable data protection regulations titled as Data Protection Bill 2018 (The Bill)
Information on data processing provided at https://iclg.com/practice-areas/data-protection-laws-and-regulations/pakistan
21. Suspicion of Falsification
Karlo Apply evaluates all submitted documents on behalf of the universities, in part for their authenticity. The submitter of the documents and the member universities of uni-assist will be informed of the result of this evaluation insofar as they are affected. In cases of attempted cheating or fraud, Karlo Apply reserves the right to press charges via the corresponding authorities

22. Receipt and Return of Documents
Karlo Apply generally does not send any documents back to Applicants. Applicants must themselves ensure that no original documents are submitted, only authenticated copies of these.
23. Amendments to these Terms, Salvatory Clause
The stipulations of these Terms and Conditions can only be amended in written form. This also applies to the written form requirement pursuant to these terms.
Should any stipulation of these terms become ineffective or inexecutable, the effectiveness of the remaining stipulations shall remain unaffected. In place of the ineffective or inexecutable stipulation, an effective and executable ruling shall come into force whose effect shall match as closely as possible the economic objectives pursued by the contractual parties via the ineffective or inexecutable stipulation.