Terms and Conditions

Last updated: April 12, 2024

Welcome to Xstate (https://www.xstate.com/home “Website” or “Platform”). Xstate provides a number of services through its Website and mobile application (collectively the "Services") and the use of the Services (including any of the content or any services offered) is subject to these terms and conditions (hereinafter “Terms and Conditions”).

By accessing Xstate or the Website or using the Services, you expressly (without any limitation or qualification) agreeing to the Terms and Conditions and Privacy Policy. Please do not use this Website if you do not agree to these Terms and Conditions and the Privacy Policy. If you have any questions, please contact us at [email protected]

The term “you” “your” (or a similar reference) and “User” refers to the user of the Services and the term “us” “our” “we” refers to Xstate.

These Terms and Conditions shall govern and be applicable to and your use of it. It is important to note that these Terms and Conditions shall be deemed to apply to anyone viewing this Website or app and not only those that are using, browsing or registered Users on https://www.xstate.com/home

Your continued use of or access to our Website or the Services implies your consent to the use of your Personal Information and data by Xstate.

1. Using our services

1.1.   We require that by accessing the Services, you confirm that you can form legally binding contracts and therefore you confirm that you are at least 18 years of age or are accessing the Services under the supervision of a parent or legal guardian. If you are using the Services on behalf of any entity, then you are agreeing to the Terms and Conditions on behalf of that entity. Where you use the Services in the course of your employment or business, you enter into this Agreement both on your own behalf and in your individual capacity as an employee, officer, agent, partner, etc. of such organization which you represent, and references in this Agreement to ”you” shall mean both you as the individual user of the Services and you in your capacity as a representative of your organization. Without prejudice to any other rights and remedies of Xstate under these Terms and Conditions or at law, Xstate reserves the right to limit or withdraw access to the Website or the registration of any person if Xstate believes that person is under the age of 18 years or is of unsound mind

1.2.   We grant you a limited license to access and make personal use of this Website or app, but not to download or modify the Website or app or any portion of it in any manner. Using our Services does not give you ownership of any intellectual property rights in our Services or the content you access. Except in the context of browsing or accessing our Services in accordance with these Terms and Conditions, you may not use content from our Services unless you obtain permission from its owner or are otherwise permitted by law. These terms do not grant you the right to use any branding or logos used in our Services.

1.3.   Submissions or opinions expressed on this Platform are those of the individual posting such content and do not necessarily reflect our opinions. Certain services and related features that may be made available on the Website or app may require registration or subscription. Should you choose to register or subscribe for any such services or related features; you agree to provide accurate and current information about yourself, and to promptly update such information if there are any changes. Every user of Xstate is solely responsible for keeping passwords and other account identifiers safe and secure. The account owner is entirely responsible for all activities that occur under such a password or account. Furthermore, you must notify us of any unauthorized use of your password or account. Xstate shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with, your failure to comply with this section.

1.4.   During the registration process, you agree to receive promotional emails from Xstate. You can subsequently opt out of receiving such promotional emails by clicking on the link at the bottom of any promotional email.

2. Privacy

2.1.   These Terms and Conditions must be read in compliance with our Privacy Policy. The personal information you provide to us will remain confidential and if you do not agree to our use of your information, you must stop using these Services.

3. User Eligibility and Website Access

3.1.   Use of the Website and app is available only to persons who can form legally binding contracts under Pakistan Contract Act, 1872. Persons who are "incompetent to contract" within the meaning of the Pakistan Contract Act, 1872 including minors, un-discharged insolvents of unsound mind are not eligible to use the Services. If you are a minor i.e. under the age of 18 years, you cannot register as a member of the Services. As a minor, if you wish to make an investment, your legal guardian or parents who have registered as users of the Services may make such purchase on your behalf. We reserve the right to terminate your membership and refuse to provide you with access to the Website and app if it is brought to our notice or if it is discovered that you are under the age of 18 years.

3.2.   We grant you a limited license to access and make personal use of the Services. This license does not include any downloading or copying of account information for the benefit of any other third party; caching, unauthorized hypertext links to the Website or app and the framing of any content available through the Website or app uploading, posting, or transmitting any content that you do not have a right to make available (such as the intellectual property of another party); uploading, posting, or transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; any action that imposes or may impose (in our sole discretion) an unreasonable or disproportionately large load on our infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools. You may not bypass any measures used by us to prevent or restrict access to the Website. Any unauthorized use by you shall terminate the permission or license granted to you by us.

4. Content and Ideas

4.1.   Users may be able to share content and ideas on the Xstate Website and app. You are responsible for the material you post and guarantee that it is accurate, legal and not copied from any other source.

4.2.   Xstate has a license to use, reproduce, display and distribute all content and ideas posted by you on the Services. You agree that Xstate has an unlimited license to use this content for any purpose and is not under an obligation to pay any compensation to you for the use of any ideas or content.

5. Registration Information

5.1.   In order to access our Services and certain restricted parts of the Website you are required to register as either an investor or seller. Please note that an application to register as both an investor and a seller may be rejected by Xstate.

5.2.   Registration as an investor or a seller with Xstate will not be confirmed until the following information has been provided and verified:

5.2.1   Valid Email5.2.2   Mobile number5.2.3   Other identification details as prescribed on the platform.

5.3.   Upon confirmation of the details in 5.2 above, Users will be connected to Xstate. If the User’s details cannot be verified by Xstate, Xstate reserves the right to refuse the User access to the Website.

5.4.   At the time of registration on the Services you will be able to generate a password and an account upon completing the registration process. You are responsible for maintaining the confidentiality of the password and account, and are fully responsible for all activities that occur under your password or account.

5.5.   You are responsible for maintaining the confidentiality of your account access information and passwords. You shall be responsible for all uses of your Website and app registrations and passwords, whether or not authorized by you. The login information created for the purpose of accessing Xstate is to be used solely by the person who has registered with the Website or app. Xstate reserves the right to store the access information including the IP address of the computer/device from where the Website or app was accessed. You are not authorized to share your password or other account access information with any other party, temporarily or permanently, and breach of this obligation may tantamount to disabling the Xstate account at the sole discretion of Xstate and terminating the contract with You. You agree to:-

5.5.1   Immediately notify Xstate of any unauthorized use of your password or account or any other breach of security,5.5.2   Ensure that you log out from your account at the end of each session,5.5.3   You shall also ensure that you access the Website and app from an authorized source and connection. Xstate cannot and will not be liable for any loss or damage arising from your failure to comply with this Section.

6. Using Xstate

6.1.   Xstate will supply the Services to you from the date that the details in Clause 5 are confirmed.

6.2.   Xstate will make every effort to ensure the Services are operational 24 hours a day, 7 days a week. However, there may be issues or delays due to events outside Xstate’s control.

6.3.   Xstate may have to suspend the Services if it has to deal with technical problems or to make improvements. Xstate will contact you to let you know in advance where this occurs unless the problem is urgent or an emergency. This does not affect your obligation to pay any outstanding amounts on any services you may have requested from Xstate (as may be notified to the Users by Xstate).

6.4.   In the unlikely event that there is any defect with the Services.

6.5.   Please contact Xstate as soon as reasonably possible.

6.6.   Please give Xstate a reasonable opportunity to repair or fix any defect.

6.7.   Xstate will use every effort to repair or fix the defect as soon as reasonably practicable. You will not have to pay for Xstate to repair or fix a defect with the Platform under this clause 6.

6.8.   By using Xstate you warrant that you:

6.8.1   are capable of forming legally binding contracts;6.8.2   will not provide your Xstate credentials to any third party;6.8.3   will not use Xstate in a way that breaches these terms of use, any laws or infringes any rights of third parties;6.8.4   will not interfere with anyone else’s use of Xstate, including sending spam; and6.8.5   will not copy, scrape or reproduce content from Xstate one including information about third parties without their consent.

6.9.   In consideration of the circumstances, and where we think it is reasonable to do so, we may suspend or terminate your access to Xstate and reserve the right to take any appropriate steps at law to protect our interests or those of third parties.

7. Our Services

7.1.   Xstate offers fractional ownership of properties located in Pakistan for investment purposes only. The fractional ownership does not entitle the investor any right of possession in the property or any part of it. The terms and conditions of fractional ownership are also set forth in a separate agreement between the investor and xstate. Users should note the following:

7.1.1   Pictures and images on our website are for illustration purposes only. For an accurate description and details of any property, please read the description or contact our authorized representatives.7.1.2   When you use the Website or send emails or other data, information or communication to us, you agree and understand that you are communicating with us through electronic records and you consent to receive communications via electronic records from us periodically and as and when required. We will communicate with you by email or by an electronic record on our Website which will be deemed adequate service of notice / electronic record.

8. Additional Terms for Investors

8.1.   Investment Procedure

8.1.1   The investor shall opt to buy a token(s) at the value determined by xstate. The value shall be fixed and non-negotiable.8.1.2   After the token has been purchased, the Platform shall be updated with the details of the investor.8.1.3   The details of the investor and their record shall be maintained on a Distributed Ledger Technology (DLT) using block chain.8.1.4   We reserve the right to amend, alter and determine the investment procedure and matters related to it, at any time, without providing any prior notice to the users.8.1.5   The sale/purchase of the tokens shall be subject to the terms and conditions in the investor agreement.

8.2.   Property Valuation

8.2.1   Property prices are set taking into consideration the approximate market value and are subject to change without any prior notice. The prices mentioned on the Website are not subject to comparison with the same or any similar property on other platforms. Xstate reserves the right to determine the prices at its sole discretion. While we strive to provide accurate pricing information, an inadvertent mistake or typographical errors may occur. In the event that a property is listed at an incorrect price or with incorrect information due to an error in pricing or property information, we will contact you for further instructions.

8.3.   Other Information

8.3.1   Please note that there may be certain investments that we are unable to accept and must cancel. We reserve the right, at our sole discretion, to refuse or cancel any request to invest for any reason. Some situations that may result in your request being denied may include limitations, inaccuracies or errors in property details or pricing information or personal information. We may also require additional verification or information before accepting any request to buy.

8.4.   Disclaimers

8.4.1   Prior to entering into this agreement with the Company, the Investor hereby agrees that they fully understand the business model of xstate which is a Shariah-compliant investment scheme with profit and loss sharing between the parties. All investments involve risks, including the risk of loss of the investment amount. The investor is responsible for conducting their own due diligence and assessing the risks associated with the investment.8.4.2   The investor hereby understands that their investment does not provide them any right in the sale, management, transfer, and possession of the listed property or any of its parts at any time.8.4.3   The investment amount in the listed property does not guarantee any specific returns or profits. The value of the listed property may vary from time to time, depending on the real estate market and business in the country. Xstate shall not be responsible for any losses that occur during the ownership, management, and sale of the property except as specified in the Investment Agreement.8.4.4   The Terms and Conditions and Investment Agreement do not constitute legal, financial, or investment advice. The investors are encouraged to seek independent professional advice before entering into agreement with xstate.

9. Payments

9.1.   A lump sum payment shall be made by the investor into the designated bank account for the token purchased.

9.2.   Once a payment has been made, it is non-refundable and the tokens can only be sold to the list of investors approved by xstate.

9.3.   Xstate shall charge a fixed transaction fee for every transaction performed by the investor, including but not limited to the purchase, sale, or transfer of the token(s).

9.4.   The investor agrees that xstate may deduct and deposit any applicable tax on behalf of the investor on each transaction performed including the buying and selling of token(s) and return of investments. This does not absolve the investors of payment of any other taxes for which they may be responsible.

10. Intellectual Property Rights

10.1.   In consideration of you agreeing to abide by these Terms, xstate grants you a non-transferable, non-exclusive license to use our Website and app, subject to these terms, the Privacy Policy and any other applicable rules. Xstate reserves all other rights.

10.2.   You may download or stream a copy of the Website or application onto your device, to view, use and display the Website on the device for your personal purposes only.

10.3.   You acknowledge that all Intellectual Property Rights on the Website or mobile application anywhere in the world belong to xstate or its licensors, that rights on the Website are licensed (not sold) to you, and that you have no rights in, or to, the website, other than the right to use it in accordance with these Terms. You acknowledge that you have no right to have access to the website or app in source-code form.

10.4.   Unless otherwise indicated or anything contained to the contrary or any proprietary material owned by a third party and so expressly mentioned, xstate owns all Intellectual Property Rights to and into the Website and app, including, without limitation, any and all rights, title and interest in and to copyright, related rights, patents, utility models, trademarks, trade names, service marks, designs, know-how, trade secrets and inventions (whether patentable or not), goodwill, source code, meta tags, databases, text, content, graphics, icons, and hyperlinks. You acknowledge and agree that you shall not use, reproduce or distribute any content from the Website or app belonging to xstate.

11. Trademarks and Copyrights

11.1.   All intellectual property rights, whether registered or unregistered, in the Website and app, information content on the Website and app and all the website and app designs, including, but not limited to text, graphics, software, photos, video, music, sound, and their selection and arrangement, and all software compilations, underlying source code and software shall remain our property. The entire contents of the Website and app also are protected by copyright as a collective work under Pakistani copyright laws and international conventions. All rights are reserved.

12. Termination of Users who Infringe the Copyright or Other Intellectual Property Rights of Others

12.1.   Xstate and its affiliated companies respect the intellectual property of others, and we ask our users, account holders and content partners to do the same. The unauthorized reproduction, copying, distribution, modification, public display or public performance of copyrighted works constitutes infringement of the copyright owners’ rights. As a condition to your use of xstate, You agree not to use xstate to infringe the intellectual property rights of others in any way, directly or indirectly. We at our sole discretion, will terminate the accounts of any xstate account holders, and block access to xstate of any Users who to the knowledge of xstate are infringers of the copyrights, or other intellectual property rights, of others. We reserve the right to take these actions at any time, in our sole discretion, with or without notice, and without any liability to the account holder who is terminated or to the User whose access is blocked. Notwithstanding the foregoing, in the event that You believe in good faith that a notice of copyright infringement has been wrongly filed against You or your copyrighted work that has been uploaded, posted or copied to our website and is accessible on such xstate in a way that constitutes copyright infringement, please contact us at [email protected]

13. Usage Restriction

13.1.   By using this Website and app, you agree that:

13.1.1   You shall not use, intentionally or unintentionally, any of the content, information or services on this Website and app in a manner contrary to or in violation of any applicable international, national or local law, rule or regulation having the force of law, including privacy laws;13.1.2   You shall not use this Website or app in any manner that could harm, infect, take over, disable, overburden or otherwise impair any of our computer systems, including, the servers, networks and other components connected to or used for this website;13.1.3   You shall not interfere with any other party's use and enjoyment of this website and app or any of the content, information or services provided on this website;13.1.4   You shall not forge headers or otherwise manipulate identifiers in order to disguise or alter the origin of any content transmitted through the services or develop restricted or password-only access pages, or hidden pages or images (those not linked to from another accessible page);13.1.5   You shall not upload, post or otherwise transmit any content that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);13.1.6   You shall not upload, post or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;13.1.7   You shall not attempt to gain unauthorized access to any services, accounts, computer systems or networks connected to any server used for this website, through password mining, hacking or any other means;13.1.8   You shall not seek to gain access to any materials or information through any means not intentionally made available by us;13.1.9   You shall not reproduce, duplicate, copy, download, sell, resell or otherwise exploit this website, or any portion hereof, for commercial purposes without prior written consent;13.1.10   You shall not use any framing techniques to enclose any portion of this website (including, but not limited to, images, text, page layout and form) without prior written consent;13.1.11   You shall not make any use of the trademarks, service marks, trade names, logos and graphics on this website without prior written consent.13.1.12   You shall not use any network monitoring or discovery software to determine the site architecture or extract information about usage, individual identities or users;13.1.13   You shall not collect any email addresses made available on this site for purposes of promotions or marketing campaigns and you shall not solicit any users with data retrieved from this website;13.1.14   You shall not distribute, on or through this website, any advertising; promotion; solicitation for goods, services or funds; or solicitation for others to become members of any enterprise or organization without prior written permission; and13.1.15   You shall not claim any right in the sale, management, transfer, and possession of the listed property or any of its parts, at any time.

13.2.   Any unauthorized use terminates the license granted hereby.

14. Limitation of Liability

14.1.   In no event shall xstate be liable to you or any user on account of any use, misuse, or reliance on the site for any damages whatsoever, including direct, special, punitive, indirect, consequential or incidental damages or damages for loss of profits, revenue, use, or data whether brought in warranty, contract, intellectual property infringement, negligence or other theory, even if the company is aware of or have been advised of the possibility of such damage, arising out of or connected with the use (or inability to use) or performance of the Website. We do not assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any information, content, product, services, or processes disclosed on the site or any other material or information accessible from the Website.

14.2.   The foregoing limitations shall apply notwithstanding any failure of the essential purpose of any limited remedy and to the fullest extent permitted under applicable law.

14.3.   Users should access the Platform and Services and conduct transactions at their own risk, exercising their own good judgment before engaging in any transactions. Using this Website does not establish an attorney-client relationship. Sending or receiving information through this website, including materials contained within it or emailing our offices, does not amount to financial, legal or investment advice in any way shape or form. Users should familiarize themselves with the laws of their country or those relevant to them concerning any matters described on our Services. If a user decides to access the Website, it is assumed that they do so at their discretion and are responsible for complying with any applicable local, national, or international laws.

14.4.   We do not provide any financial advice or property consultation. Investors and sellers must both conduct their own research and obtain legal, financial and tax advice from relevant professional advisors. Xstate does not provide these services and no user or browser of this Website should act or refrain from acting on the basis of information on this Website without first seeking legal, financial and tax advice. All information on the Website and communication with xstate’s representatives is for informational purposes only, and should not be construed as investment advice or advice on any subject matter.

14.5.   Xstate will not be liable for any loss of profits, revenue, contracts, data or savings that are not foreseeable by us when you start using the Services.

15. Disclaimer of Warranties

15.1.   We do not guarantee, represent or warrant that your use of our Services will be uninterrupted, timely, secure or error-free.

15.2.   We do not warrant that the results that may be obtained from the use of the Services will be accurate or reliable.

15.3.   You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.

15.4.   You expressly agree that your use of, or inability to use, the Services is at your sole risk. The service and all products and services provided to you through the Platform are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.

15.5.   In no case shall xstate, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or property) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. Because some jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

15.6.   We will not be liable for any losses you sustain as a result of updating or modifying our website.

15.7.   We do not warrant, represent or undertake as to the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.

15.8.   We do not provide any guarantee of profit or return on investments. The investor shall make the investment at their own risk, assuming all liability in the case of loss and profit both.

16. Indemnity

16.1.   You agree to indemnify and hold xstate, its subsidiaries, and affiliates, and its and their officers, directors, agents, partners and employees, harmless from any loss, liability, claim, or demand, including reasonable attorney's fees, made by any third party due to or arising out of your breach of or failure to comply with these Terms and Conditions (including any breach of your representations and warranties contained herein), any postings or content you post in the Service, and the violation of any law or regulation by you. The Company reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with the Company in connection therewith.

17. Communication with Us

17.1.   When you send us an email or use the Website or app, you are electronically communicating with us. You agree to receive promotional and transactional messages from us on your given email address or mobile number. If you wish to stop receiving promotional emails, you may unsubscribe.

17.2.   Our employees follow company protocol and ethical principles during their communication with you and all interactions are monitored by xstate.

18. Risks Disclosure

18.1.   Investments have variable values, and the income they provide is not guaranteed to return your initial investment. An investment's past success may not always predict its future results. You can find it challenging to appraise or sell some investments, or to get trustworthy information about their worth or the level of risk they carry.

18.2.   You understand and agree that the prices, descriptions, and other financial information made accessible on the Website are gathered from credible third-party sources, and that we, to the extent that it is possible, have verified such information when appropriate. Nevertheless, you understand and agree that the information, valuations, and other data made available on the Website are based on such third-party data, and that neither these sources nor ours, nor the information providers, nor any other person or entity, guarantee the accuracy or completeness of the data or valuations. You acknowledge and agree that returns advertised by us on the Website are indicative only and are subject to economic, business factors and other factors outside of our control and we do not guarantee that the returns advertised will be available to you at any point in time.

18.3.   Nothing on this website is intended to be interpreted as an offer, solicitation, or distribution to any person of investments or associated services.

19. Transfers of Information

19.1.   Information about our customers, including Personal Information, may be disclosed as part of any merger, acquisition, debt financing, sale of company assets, as well as in the event of an insolvency, bankruptcy or receivership in which Personal Information could be transferred to third parties as one of our business assets. In such an event, we will attempt to notify you before your Personal Information is transferred, but you may not have the right to opt out of any such transfer.

20. Children

20.1.   Our Services are not intended for use by children under the age of 18, and such use is prohibited by our Terms and Conditions. We do not knowingly collect Personal Information from children under 18. If you become aware that a child has provided us with Personal Information, please contact us as set forth in this Policy.

21. Termination

21.1.   We may at any time, under any circumstances and without prior notice, immediately terminate or suspend all or a portion of your account and/or access to xstate. Cause for such termination shall include, but not be limited to: (a) violations of these Terms and Conditions; (b) a request by you to cancel or terminate your account; (c) discontinuance or material modification to the Service or any part thereof; (d) a request and/or order from law enforcement, a judicial body, or other government agency; (e) provision of xstate to you becoming unlawful; (f) unexpected technical or security issues or problems; or (g) your participation in fraudulent or illegal activities. Any such termination or suspension shall be made by us in our sole discretion, without any refund to you of any prepaid fees or amounts, and we will not be responsible to you or any third party for any damages that may result or arise out of such termination or suspension of your account and/or access to xstate. If you want to terminate your account, you may notify xstate in writing via email at [email protected]

22. Our Software

22.1.   This refers to any software (and updates) that we use for the Services. You shall not use any robot, spider, other automatic software or device or manual process to monitor or copy the website or the content, information or services on this website without prior written consent. You may use our software solely for the purpose of using our services in accordance with these terms and conditions.

22.2.   If you use our software for any illegal purposes or in violation of this agreement, we reserve the right to terminate your account.

22.3.   The software used for our services is protected by copyright and other applicable laws of Pakistan.

22.4.   Any links or advertisements found on our Website or app for third-party websites are not affiliated with xstate and are governed by separate policies and terms and conditions. You must refer to those before accessing these websites.

22.5.   You must not attempt to or assist in copying or tampering our software in any way. You may not reproduce any part of this software.

22.6.   Our software may be updated from time to time without any prior notice.

23. The Contract

23.1.   When you opt to make an investment on the website, it amounts to a legal offer to invest in the property. Once the investment is approved, it constitutes an acceptance of the offer.

23.2.   Xstate or the seller may limit the number of investments a single person can make.

23.3.   Xstate shall not be held liable for failing to fulfill any obligations under these terms and conditions if the events lie beyond our reasonable control.

23.4.   The prices displayed on the Website are in PKR and exclusive of any governmental taxes and additional costs unless clearly mentioned.

23.5.   We may ask for information to verify the payment details provided by you. This verification is done to ensure there is no fraudulent or illegal activity. If you fail to comply with the verification procedure, your purchase request will automatically be canceled.

24. Severability

24.1.   In the event that any provision of these Terms and Conditions is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms and Conditions, such termination shall not affect the validity and enforceability of any other remaining provisions.

25. Other Important Terms

25.1.   Xstate may transfer its rights and obligations under these Terms to another organization, and will always notify you in writing if this happens, but this will not affect your rights or its obligations under these Terms.

25.2.   You may only transfer your rights or your obligations under these Terms to another person if We agree in writing.

25.3.   This contract is between you and Us. No other person shall have any rights to enforce any of its terms under the Contracts (Rights of Third Parties) Act.

25.4.   Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

25.5.   If xstate fails to insist that you perform any of your obligations under these Terms, or if it does not enforce its rights against you, or if it delays in doing so, that will not mean that it has waived its rights against you and will not mean that you do not have to comply with those obligations. If xstate does waive a default by you, it will only do so in writing, and that will not mean that it will automatically waive any later default by you.

26. General

26.1. ASSIGNMENT.   You may not assign or sub-license the rights, duties or obligations under the Terms and Conditions, in whole or in part, to any person or entity without the prior written of xstate.

26.2 GOVERNING LAW AND JURISDICTION:.   Any disputes arising between You and xstate is to be governed by and construed in accordance with the laws of Pakistan.

26.3 SEVERABILITY AND WAIVER:.   If any provisions of these Terms and Conditions are found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions, which shall remain in full force and effect. No waiver of any term of these Terms and Conditions shall be deemed a further or continuing waiver of such term or any other term.

26.4 ENTIRE AGREEMENT:.   The Terms and Conditions including the xstate Investor Agreement and xstate Privacy Policy constitute the entire agreement between You and xstate.

27. Changes to Terms and Conditions

27.1.   You can review the most current version of the Terms and Conditions at any time at this page.

27.2.   We reserve the right, at our sole discretion, to update, change or replace any part of these Terms and Conditions by posting updates and changes to our Website and app. It is your responsibility to check our Services periodically for changes. Your continued use of or access to our website or the Services following the posting of any changes to these Terms and Conditions constitutes acceptance of those changes.

28. Questions

28.1.   If you have any additional questions or concerns related to this statement and/or our practices, please email us at [email protected]

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