General Terms and Conditions

Education and Life Foundation, hereinafter referred to as "ELF", "the Foundation", "we", "us" or "our", is a nonprofit charitable organisation registered in Pakistan.

ELF is dedicated to improving the lives of disadvantaged and vulnerable communities through education, healthcare, humanitarian relief, livelihood development, community empowerment and other charitable initiatives consistent with its approved objectives.

These General Terms and Conditions establish the principal rules governing access to ELF's website, donations, programme applications, institutional relationships, communications and other interactions with the Foundation.

They also describe standards that ELF intends to maintain in its organisational activities.

The purpose of these Terms is to promote transparency, accountability, lawful conduct, responsible management and the protection of the Foundation, its charitable resources and the individuals it serves.

Nothing in these Terms shall exclude any legal duty or liability that cannot lawfully be excluded.

These Terms apply, where relevant, to:

• Visitors using ELF's official website.

• Individuals and organisations making charitable donations.

• Applicants for charitable assistance or programme participation.

• Persons communicating with ELF or submitting information through its official channels.

• Individuals participating in Foundation events or activities, where these Terms are appropriately communicated and applicable.

• Donors, sponsors, grantmakers and institutional partners whose arrangements expressly incorporate these Terms.

The organisational standards described in these Terms may also be adopted internally by ELF's governing body.

However, these Terms do not automatically impose contractual obligations on employees, trustees, volunteers, contractors or independent organisations merely because the Terms appear on the website.

Where necessary, obligations must be incorporated into appropriate employment contracts, volunteer agreements, partnership agreements, grant agreements or other legally effective instruments.

ELF operates as a registered nonprofit charitable organisation under the applicable laws of Pakistan.

The Foundation shall conduct its activities in accordance with its governing documents, approved charitable purposes and applicable legal and regulatory requirements.

ELF may engage with international donors, supporters, representatives and partner organisations.

The identification of an international representative or partner does not, by itself, establish that ELF is separately incorporated, licensed or registered as a charity in that jurisdiction.

No individual or entity may claim to represent or legally bind ELF unless appropriately authorised.

Any authority to sign agreements, receive funds, make financial commitments or represent the Foundation must comply with its governance procedures.

By accessing or using the website after receiving reasonable notice of these Terms, visitors agree to comply with the applicable provisions to the extent legally enforceable.

Certain activities, including online payments, participation agreements and formal partnerships, may require separate express acceptance.

A person who does not accept the applicable website Terms should discontinue use of the relevant service.

The Foundation reserves the right to update these Terms in accordance with Section 31.

No provision shall be interpreted as obtaining consent or waiving rights where separate consent or agreement is legally required.

ELF carries out charitable activities that may include:

• Education and educational assistance for disadvantaged children.

• School supplies, educational infrastructure and related support.

• Healthcare, maternal health and midwifery training.

• Widows' welfare and vulnerable family assistance.

• Livelihood development and vocational training.

• Orphan care and child welfare.

• Water, sanitation and community development.

• Emergency and humanitarian relief.

• Assistance for individuals and families affected by poverty, exploitation or other hardship.

• Community development, capacity building and other approved charitable initiatives.

The Foundation may establish, revise, expand, suspend or discontinue individual programmes according to funding availability, community needs, operational circumstances, legal requirements and governing-body decisions.

ELF does not guarantee that every programme will operate continuously or that every applicant will receive assistance.

Any binding commitments to donors, beneficiaries, service providers or partner organisations remain subject to their applicable agreements and legal obligations.

ELF may establish reasonable eligibility criteria for its charitable programmes.

These criteria may consider financial hardship, family circumstances, age, disability, educational need, medical need, vulnerability, geographical location, programme capacity and other factors relevant to the charitable purpose.

Applications may be assessed through documentation, interviews, community verification or other lawful assessment methods.

Submission of an application does not automatically guarantee admission, assistance, financial support or continued participation.

ELF may decline applications that do not meet programme requirements or where reliable evidence demonstrates material misrepresentation.

Decisions must be consistent with applicable law, safeguarding responsibilities, relevant donor restrictions and the Foundation's approved charitable objectives.

ELF shall not knowingly use eligibility procedures to facilitate exploitation, coercion or unlawful discrimination.

Where programmes have a particular religious or community focus, that focus should be communicated accurately and administered consistently with applicable law and the rights and dignity of beneficiaries.

Charitable assistance may be provided in cash, goods, educational support, healthcare services, training, equipment or other appropriate forms.

The nature, amount and duration of assistance depend on the relevant programme and available resources.

ELF may use reasonable verification, monitoring and recordkeeping procedures to ensure that assistance reaches eligible beneficiaries.

Where evidence establishes that assistance has been obtained through deliberate fraud or material misrepresentation, ELF may suspend further assistance and pursue lawful recovery or other appropriate remedies.

No recipient shall be subjected to unlawful threats, coercion, humiliation or arbitrary deprivation of legally protected entitlements.

The Foundation may introduce additional programme-specific conditions through appropriately communicated participation agreements.

All donations to ELF are voluntary charitable contributions.

Contributions shall be received and administered for lawful purposes consistent with the Foundation's charitable objectives and any enforceable donor restrictions.

Donors are responsible for ensuring that their contributions are authorised and that funds are transferred using verified payment instructions.

Donations are generally final and non-refundable after acceptance, subject to the Foundation's Donation Refund, Cancellation and Chargeback Policy, applicable donor agreements and mandatory legal requirements.

Donations do not ordinarily confer ownership, voting rights, management authority, employment or control over the Foundation.

ELF reserves the right to decline or return contributions where required by law or where there are lawful grounds concerning fraud, sanctions, regulatory compliance or other serious risks.

Donation refunds and payment disputes shall be addressed in accordance with ELF's published Donation Refund, Cancellation and Chargeback Policy.

The Foundation may investigate suspected duplicate donations, unauthorised transfers, financial errors and unsupported chargeback claims.

ELF reserves the right to challenge unjustified payment reversals using legitimate transaction records and other lawful evidence.

Where a transaction has already been refunded or reversed, the Foundation may take reasonable steps to prevent duplicate reimbursement.

Deliberately fraudulent financial claims may be referred to relevant financial institutions or competent authorities where appropriate.

Nothing in these Terms prevents donors from exercising legitimate banking dispute rights, reporting unauthorised transactions or seeking legally available remedies.

Donors may express preferences regarding the charitable activities they wish to support.

Where ELF expressly accepts a donation subject to an enforceable restriction, the Foundation will seek to administer the contribution in accordance with that restriction.

Unrestricted contributions may be allocated among the Foundation's approved charitable activities.

If a restricted project's purpose becomes impossible, unlawful or impracticable, ELF will address the matter in accordance with the applicable donor agreement and law.

The Foundation shall not treat a general donation as creating a binding obligation to deliver an individually specified outcome unless such an obligation has been expressly accepted.

No redirection of restricted funds shall be undertaken in breach of applicable legal or contractual requirements.

Formal relationships with donor organisations, charitable foundations, hospitals, schools, training institutions, government authorities and other partners may be governed by written agreements or memoranda of understanding.

Such arrangements may define project objectives and permitted use of funds, roles and responsibilities of each party, reporting and financial accountability requirements, safeguarding and confidentiality obligations, programme monitoring and evaluation, project modification, termination and repayment conditions, and applicable law and dispute resolution.

No preliminary discussion, website enquiry, proposal submission or expression of interest shall automatically create a binding institutional partnership.

Only duly authorised representatives may enter into agreements on ELF's behalf.

Where a binding agreement conflicts with these general Terms, the specific agreement shall prevail for the matters it governs, subject to applicable law.

Individuals working with ELF are expected to act lawfully, responsibly, professionally and consistently with the Foundation's charitable mission.

Applicable employment, volunteer and service agreements should address responsibilities, confidentiality, safeguarding, misconduct, conflicts of interest, professional standards and termination procedures.

Employees and volunteers must not use their association with ELF to obtain unauthorised personal financial benefits.

No individual may enter into binding contracts, solicit donations or make public commitments on the Foundation's behalf without appropriate authority.

The Foundation may investigate alleged misconduct and take action consistent with applicable law and the relevant contractual or employment procedures.

Nothing in these Terms overrides employee rights, statutory protections, contractual entitlements or applicable employment laws.

ELF's governance and management shall be exercised in accordance with its governing documents and applicable laws.

The governing body is responsible for establishing appropriate oversight of charitable activities, financial management, organisational risks and compliance.

The Foundation maintains procedures for authorisation of material financial commitments, review and approval of organisational expenditure, oversight of projects and programme delivery, financial reporting and audit requirements, management of conflicts of interest, safeguarding and incident reporting, and recordkeeping and legal compliance.

Individual trustees, directors, officers and authorised representatives remain subject to their applicable duties and legal responsibilities.

No website provision grants automatic immunity from personal liability for unlawful conduct, breach of duty or other matters for which liability may arise under law.

ELF is committed to the responsible management of charitable funds.

The Foundation prohibits fraud, bribery, embezzlement, deliberate financial misrepresentation, unlawful diversion of charitable resources and other forms of financial misconduct.

Personnel entrusted with organisational resources must use them only for authorised purposes.

Appropriate documentation should support financial transactions, expenditure approvals, grant utilisation and relevant programme activities.

ELF may investigate suspected financial irregularities and take lawful corrective action.

Where reasonable grounds exist to suspect criminal activity, relevant matters may be referred to competent authorities.

Financial controls shall operate consistently with applicable law, accounting requirements and the Foundation's approved procedures.

Trustees, officers, employees, volunteers and other persons involved in organisational decisions are expected to disclose actual, potential or reasonably perceived conflicts of interest through the applicable internal procedure.

Individuals must not improperly influence decisions for personal financial gain or the unauthorised benefit of relatives, business associates or other connected persons.

Related-party transactions must be assessed, approved and recorded in accordance with applicable law and governance requirements.

Reasonable and lawful compensation or reimbursement may be permitted where properly authorised.

Charitable funds shall not be distributed for unauthorised private enrichment.

ELF recognises the importance of protecting children and other vulnerable persons involved in its programmes.

All relevant personnel and programme partners are expected to comply with applicable safeguarding requirements.

Abuse, exploitation, harassment, sexual misconduct, neglect and other unlawful or harmful conduct are prohibited.

Appropriate safeguarding measures include suitability checks for persons working with children, safe recruitment and supervision practices, appropriate conduct and interaction standards, confidential handling of safeguarding concerns, timely reporting and investigation procedures, referral to competent authorities where required, and additional protections for children with disabilities or other vulnerabilities.

No person shall be required to surrender legally protected safeguarding rights as a condition of accessing charitable assistance.

Any serious safeguarding allegation shall be addressed in accordance with applicable law and the Foundation's safeguarding procedures.

ELF may facilitate healthcare services, medical assistance, maternal health programmes, clinical training and collaborations with hospitals or qualified healthcare professionals.

Medical procedures and professional healthcare services must be undertaken by appropriately qualified and legally authorised personnel.

The Foundation may coordinate access to services, provide resources or enter into arrangements with independent healthcare institutions.

The precise responsibilities of ELF and participating healthcare providers should be established through appropriate agreements.

No information published on ELF's website constitutes personalised medical advice or a guarantee of treatment outcomes.

Medical care, professional training and clinical decisions remain subject to applicable healthcare laws, professional standards and duties of care.

ELF shall not attempt to exclude liability that cannot lawfully be excluded for negligence, unsafe practices, misconduct or violations of patient rights.

ELF may operate or support schools, training centres, apprenticeship opportunities, computer laboratories and other educational programmes.

Participation may be subject to reasonable attendance, conduct, safety and eligibility requirements.

Where an independent institution delivers educational or vocational services, the parties' responsibilities should be established through an appropriate agreement.

Unless expressly authorised by a competent body, ELF does not guarantee that participation in a programme results in a government-recognised qualification, professional licence, employment or particular income level.

Where qualifications or certifications are advertised, their status and issuing authority must be represented accurately.

Appropriate care and supervision must be provided in accordance with applicable duties.

ELF seeks to deliver assistance in a manner that respects human dignity, privacy, safety and individual rights.

Beneficiaries must not be subjected to exploitation, intimidation or unlawful coercion.

Participation in photographs, publicity interviews, religious activities or promotional testimonials should be governed by appropriate consent and applicable law.

Refusal to participate in publicity shall not, by itself, disqualify a person from otherwise available charitable assistance.

Where a programme has an expressly religious purpose, its nature and participation requirements should be communicated clearly and lawfully.

Assistance, education and welfare activities must be administered consistently with applicable safeguarding and human rights protections.

ELF recognises the importance of protecting personal information concerning donors, beneficiaries, children, patients, employees, volunteers and institutional partners.

Personal information shall be handled in accordance with the Foundation's Privacy Policy and applicable legal requirements.

Individuals entrusted with confidential organisational information must not disclose it without appropriate authorisation or another lawful basis.

Special care shall be exercised in relation to medical information, children's records, financial hardship, religious affiliation and other sensitive information.

ELF may disclose information where lawfully required, including in response to valid judicial, regulatory or safeguarding obligations.

Confidentiality obligations shall not prevent lawful whistleblowing or reporting of suspected criminal activity.

ELF may document its charitable activities through photographs, videos, written accounts and other communications.

Identifiable material shall be collected and used on an appropriate legal basis, with additional safeguards for children and vulnerable individuals.

Permission for publication should specify the intended uses where necessary.

The Foundation may use properly authorised material for charitable reporting, awareness, fundraising and communications.

Publication shall not knowingly expose beneficiaries to unnecessary risks of discrimination, exploitation, intimidation or retaliation.

Individuals may request review, correction or removal of identifiable material in accordance with applicable law.

Independent third parties may not unlawfully reproduce, manipulate or exploit protected materials or personal information.

Visitors may use ELF's official website for legitimate informational and charitable purposes.

Users must not:

• Attempt unauthorised access to computer systems or confidential databases.

• Introduce malicious software or disrupt website functionality.

• Impersonate the Foundation or its representatives.

• Submit fraudulent enquiries, payment confirmations or applications.

• Unlawfully collect or disclose personal information.

• Use website material to facilitate scams or unauthorised fundraising.

• Infringe intellectual property rights.

• Engage in harassment, unlawful threats or other illegal activity.

ELF may restrict access to its website where reasonably necessary to protect users, systems, records or legitimate organisational interests.

Unless otherwise stated, original website content, reports, photographs, graphics, designs, publications and other original materials belong to ELF or are used under appropriate permission.

These materials may be protected by copyright, trademark and other applicable laws.

Unauthorised use of the Foundation's identity to solicit donations, impersonate representatives or suggest an unapproved partnership is prohibited.

Protected material may not be reproduced or commercially exploited without an appropriate legal basis.

Nothing in these Terms restricts lawful quotation, journalism, research, criticism, statutory exceptions or other legally permitted use.

Only appropriately authorised persons may issue official statements or make commitments on ELF's behalf.

ELF may take lawful action against deliberate impersonation, fraudulent fundraising, unlawful threats, defamatory falsehoods or other actionable misconduct that damages its legitimate interests.

However, these Terms do not prevent donors, beneficiaries, employees, volunteers, journalists or members of the public from expressing truthful opinions, making legitimate complaints, participating in lawful investigations or exercising protected freedom of expression.

ELF may collaborate with independent institutions, professionals, contractors and service providers.

Such relationships do not automatically establish employment, agency, joint ownership or joint legal responsibility.

The specific obligations of participating organisations shall be determined by applicable law, the parties' conduct and any relevant written agreements.

ELF may require appropriate evidence of qualifications, legal authority, safeguarding compliance and financial accountability before entering certain arrangements.

ELF seeks to provide accurate information regarding its charitable programmes, organisational activities, financial stewardship and intended outcomes.

Information may include historical records, estimates, proposed activities, current project results and future goals.

Unless expressly identified as verified current results, projections and proposed outcomes should not be interpreted as guarantees.

ELF may correct factual errors or update previously published information.

ELF's operations may be affected by unforeseen circumstances, including natural disasters, flooding, conflict, public emergencies, regulatory changes, infrastructure failures, funding interruptions and safety concerns.

Where such circumstances arise, the Foundation may modify or temporarily suspend activities to protect beneficiaries, personnel and charitable resources.

ELF shall take reasonable and lawful steps to assess risks and reduce avoidable harm.

ELF shall be responsible for its conduct to the extent required by applicable law and binding agreements.

To the fullest extent permitted by law, the Foundation does not accept responsibility for losses arising solely from circumstances beyond its reasonable control where no legal responsibility is otherwise established.

General information published on the website does not create an unconditional guarantee of programme availability, individual assistance, employment, medical outcomes, educational results or future funding.

Responsibility for disputes involving independent third parties shall be assessed according to the relevant facts, agreements and legal requirements.

Nothing in these Terms excludes liability for fraud, intentional wrongdoing, or any injury, loss or breach of duty for which liability cannot lawfully be excluded.

Where legally permissible and established through an enforceable agreement, a person or organisation may be required to compensate ELF for reasonable, proven losses directly caused by that person's fraudulent conduct, unlawful misuse of Foundation resources, unauthorised representation or infringement of third-party rights.

Any indemnification obligation shall be limited to losses properly attributable to the responsible party under applicable law.

ELF shall not seek indemnification for losses caused by its own unlawful conduct where such recovery is prohibited.

ELF encourages the prompt and responsible reporting of concerns relating to financial misconduct, safeguarding, programme administration, privacy, organisational behaviour or website activities.

Complaints may be directed to the Foundation through its official contact channels.

The Foundation maintains appropriate arrangements for receiving, assessing and responding to complaints.

Individuals raising concerns in good faith must not be subjected to unlawful retaliation.

These Terms are intended to operate consistently with the applicable laws of Pakistan.

Where mandatory laws of another jurisdiction apply to a particular transaction, activity, person or relationship, those requirements shall also be respected.

Disputes may be brought before courts or authorities possessing competent jurisdiction under applicable law.

ELF may amend these Terms to reflect changes in legislation, organisational operations or website functionality. Updated Terms will be published on the official website.

These Terms are intended to complement, rather than replace, the Foundation's applicable policies and agreements.

Relevant documents include:

• Privacy Policy.

• Donation Refund, Cancellation and Chargeback Policy.

• Child Protection and Safeguarding Policy.

• Financial Management and Anti-Fraud Policy.

• Conflict of Interest Policy.

• Staff and Volunteer Code of Conduct.

• Complaints and Whistleblower Protection Policy.

• Organisational Governance and Risk Management Policy.

• Individual grant, employment, volunteer and partnership agreements.

For questions, complaints, policy enquiries, donation concerns or other matters relating to these Terms, please contact:

EDUCATION AND LIFE FOUNDATION (ELF)

Head Office: 181 Raza Block, Allama Iqbal Town, Lahore, Pakistan

Email: info@educationandlifefoundation.org

Phone: +92 300 9475513

Website: www.educationandlifefoundation.org

© 2026 Education and Life Foundation. All Rights Reserved.