Terms of Use

PakLyo provides free online calculators, converters, and editorial guides covering topics like income tax, salary, savings, health, education, and daily life. Every tool and article on the site is free to use. We do not require signup, accounts, or payment for any feature.

The calculators, articles, and guides on PakLyo are provided for general informational purposes only. They are not a substitute for professional financial, tax, legal, medical, or career advice.

Before making any significant decision, including tax filing, investments, medical choices, or career moves, please consult a qualified professional such as a tax consultant, chartered accountant, doctor, or lawyer. PakLyo and its team are not responsible for decisions made solely on the basis of information found on this site.

We work to keep every formula, tax slab, tariff rate, and figure on PakLyo accurate and updated as rules and rates change. However, calculations are estimates based on publicly available information and standard formulas. They may not reflect your exact personal circumstances, and rates or rules can change without immediate notice on our end.

Always verify important figures, particularly tax and salary calculations, against official sources such as the Federal Board of Revenue (FBR), your employer, or a qualified professional before relying on them for formal purposes.

Most calculators on PakLyo run entirely in your browser. In most cases, we do not collect, store, or transmit the numbers you enter into a calculator to our servers. Please see our Privacy Policy for full details on data handling.

When using PakLyo, you agree not to:

• Use the site for any unlawful purpose or in a way that violates any applicable local or international law
• Attempt to disrupt, overload, or interfere with the site's normal operation, including through automated scraping at a volume that degrades the service for others
• Copy, republish, or redistribute our articles, tool content, or calculator logic without permission, beyond normal personal use, quoting with attribution, or sharing a link
• Use any part of the site to build a competing product without our consent
• Attempt to reverse-engineer, hack, or gain unauthorised access to any part of the site or its underlying code

All content on PakLyo, including articles, calculator designs, graphics, and the PakLyo name and logo, is owned by PakLyo unless otherwise stated. You may share links to our pages and quote short excerpts with proper attribution and a link back to the original page. Any other reproduction requires our written permission.

PakLyo is supported by advertising, including Google AdSense. Ads displayed on this site are served by third-party advertising networks, which may use cookies or similar technologies to show relevant ads. PakLyo does not control the specific content of individual ads. We do not endorse any product or service advertised on the site simply because it appears here.

Some articles and pages on PakLyo may link to external websites, including government portals, job platforms, and other resources mentioned in our guides. These links are provided for convenience. We do not control and are not responsible for the content, accuracy, or practices of any third-party site.

PakLyo is provided on an "as is" and "as available" basis. We do not guarantee that the site will be error-free, uninterrupted, or available at all times. While we aim for accuracy and reliability, we make no warranties, express or implied, about the completeness or fitness of any content or tool for a particular purpose.

To the fullest extent permitted by law, PakLyo, its founder, and any contributors are not liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of the site, including reliance on any calculator result, article, or piece of guidance published here.

We may update these Terms of Use from time to time as PakLyo grows and adds new features. Changes will be posted on this page with an updated "last updated" date. Continuing to use the site after changes are posted means you accept the revised terms.

These Terms of Use are governed by the laws of Pakistan. Any disputes arising from the use of this site will be subject to the jurisdiction of the courts of Pakistan.

If you have questions about these Terms of Use, corrections to suggest, or feedback to share, please reach out through our Contact page or connect with the PakLyo team on LinkedIn or Instagram @waqmaj.