Last updated 10 Nov 2026 · Operated by [Registered business name] (trading as Crustnet)
1. Who we are
crustnet.co (the “Site”) is operated by [Registered business name] (registration no. [Registration number], NTN [NTN]), [Registered office address], [City], Pakistan, trading as Crustnet (“we”, “us”). We provide online bookkeeping, payroll processing, preparation and filing of income tax and sales tax returns, NTN and sales tax registration support, SECP company incorporation support and preparation of financial statements. You can reach us at [email protected] or [Support phone].
These Terms should be read together with our Privacy Policy, Refund & Cancellation Policy, Service Delivery Policy and Acceptable Use Policy. Where a service has its own terms (shown on its page or in a quote), those apply too and win if they conflict with these general Terms.
2. Your account
- You must be at least 18 years old and able to enter a binding contract. If you act for a business, you confirm you are authorised to bind it.
- Give accurate details and keep them up to date. Keep your password private; you are responsible for activity on your account. Tell us straight away if you suspect someone else is using it.
- One person, one account. Accounts can’t be sold, shared or transferred.
- We may ask you to confirm your identity (for example for large orders, refunds or payouts) and may refuse service where we can’t.
3. What we sell and prices
- Each service, package or plan page describes what is included, the price, and the expected delivery time. Quotes and custom plans describe the agreed scope, price, milestones and timeline in writing before you pay.
- Prices are in Pakistani rupees (PKR). Where sales tax applies it is shown at checkout and on your receipt. The total at checkout is what you pay; your bank or wallet may charge its own fees.
- If we make an obvious pricing or description mistake, we’ll tell you before starting work and you can cancel for a full refund.
- Plans and passes are prepaid for a fixed period and never renew automatically. We don’t store cards or set up recurring charges.
4. Placing an order
When you check out you make an offer to buy. A contract is formed when your payment is confirmed and we send the confirmation email. We may decline or cancel an order — and refund anything you paid — if payment can’t be verified, we reasonably suspect fraud, money laundering or a breach of these Terms, the order is above our limits, or we can’t provide what was ordered.
5. Payment
- We accept Raast QR, JazzCash, Easypaisa and payment requests to Pakistani bank accounts, processed by our payment provider. You approve each payment in your own app. We never ask for your PIN, OTP or banking password.
- Payment requests and QR codes expire after a short time. If one expires, nothing is taken and you can try again. Unpaid orders are cancelled automatically.
- If you are charged twice for one order, we refund the duplicate to the account it came from.
- To protect customers we apply per-order and daily limits and may ask for extra verification.
- Pay only through the Site. We will never ask you to send money to a personal account or mobile number.
6. Delivery of services
We deliver services as described on the service page or in your quote, through your account, by email or in agreed meetings. Our Service Delivery Policy explains timelines, what we need from you, revisions and acceptance.
7. Engagement scope
Each package page, or the written quote you accept, is your engagement letter. It sets out the work, the tax years or months covered, the fee and what we need from you. Anything not listed — for example extra tax years, notices, appeals, audits or advice on a specific transaction — is outside the scope and needs a new quote or invoice that you accept first.
Our work is preparation and filing support. We are not a firm of chartered accountants, we don’t perform statutory audits or issue audit opinions, and we don’t represent you before tax authorities, tribunals or courts.
8. Your responsibilities
- Give us complete, accurate and genuine information and documents, on time, and tell us about all your income, assets and accounts that are relevant to the work.
- We prepare and file based on the information you provide; you remain responsible for its accuracy. The return is yours: you approve it before filing and remain liable for the tax it declares.
- Pay tax, government fees and any penalties directly to the authority by the due date.
- Keep your IRIS, SECP and bank logins secure. If you share a login with us for a filing, change the password once the filing is done.
- Tell us promptly about notices or letters you receive from any tax authority.
9. Filing on your behalf
We file only through your own accounts with FBR, SECP or a provincial authority, using credentials, access or an authorisation you give us, and only where the law allows a representative to submit for you. If the law or the authority requires you to submit or verify something personally (for example biometric verification), we prepare everything and guide you through it. We never create accounts or file anything in your name without your approval.
10. Records and record keeping
You must keep your original records — invoices, bank statements, salary records, contracts and property documents. Pakistani tax law generally requires records to be kept for at least six years after the end of the tax year they relate to; ask us if you’re unsure about your case.
We keep copies of the documents you upload and our working papers for as long as we reasonably need them to support the work and as the law requires, then delete them. You can download your files from your project page at any time while your account is open.
11. Confidentiality
Your financial information is confidential. Only staff working on your project can see it, and we use it only to provide the service. We disclose it only with your consent or where the law requires us to (for example a lawful request from a tax authority or regulator). Uploads are stored outside the public website, encrypted at rest and served only after a permission check.
12. Conflicts of interest
Before we accept work, we check that it doesn’t conflict with work for another client — for example acting for both sides of a business dispute or partnership split. If a conflict comes up, we tell you, and we may decline or stop the work and refund any unused fee.
13. Limits of our advice
Explanations we give while doing the work are based on the law and FBR practice as we understand them at the time and on the facts you give us. They are not legal advice. General information on this website is not tax advice for your situation until you engage us. We don’t guarantee any tax outcome, refund or the result of any assessment, audit or notice.
14. Cancellations and refunds
You can cancel an unpaid order at any time. After payment, cancellations and refunds follow our Refund & Cancellation Policy, which is part of these Terms. Approved refunds go back to the account you paid from.
15. Your responsibilities
- Give us the information, content, access and feedback we reasonably need, on time. Delays on your side may move delivery dates.
- Only send us material you have the right to use. You are responsible for content you provide and for getting any permissions it needs.
- Follow our Acceptable Use Policy. Don’t use the Site for anything illegal, deceptive or harmful.
16. Intellectual property
The Site, its design, text, graphics and software belong to us or our licensors. Returns, statements, ledgers and reports we prepare for you are yours to use once paid for. Our templates, checklists, working-paper formats and spreadsheets remain ours. We never publish or show any client’s work or figures.
17. Confidentiality
We keep information you share with us for a project confidential and use it only to provide the service, except where the law requires us to disclose it.
18. Our liability
- We provide our services with reasonable care and skill and as described. If something isn’t right, tell us and we’ll fix it, redo it or refund it under our Refund Policy.
- We are not liable for losses we couldn’t reasonably foresee, for indirect or business losses (such as lost profits or data), or for problems caused by third-party platforms, your equipment or your instructions.
- Except where the law doesn’t allow it, our total liability for an order is limited to the amount you paid for that order.
- Nothing in these Terms limits liability for fraud, for death or personal injury caused by negligence, or any liability that can’t legally be limited.
19. Suspension and closing accounts
You can close your account at any time from Account → Privacy & data. We may suspend or close an account involved in fraud, payment abuse, money laundering or serious or repeated breaches of these Terms. If we close your account without fault on your part, we refund paid-for services we haven’t delivered.
20. Changes
We may update these Terms. The version in force when you place an order applies to that order. We’ll announce material changes on the Site or by email before they take effect.
21. Complaints, law and disputes
If something goes wrong, please contact us first — we acknowledge complaints within 2 working days and aim to resolve them within 10. These Terms are governed by the laws of Pakistan, and the courts of [City] have jurisdiction, without affecting any right you have to bring a claim where you live or to approach a consumer court.
Quotes and custom plans
When you ask for a custom plan we send a written quote to your account. It sets out the scope, price, milestones, number of revision rounds and any special terms, and it is valid until the date shown on it.
A quote becomes binding once you accept it in your account by typing your full name, ticking the confirmation box and entering your password. We record the time and the IP address of the acceptance. Changes to the agreed scope need a new quote, or an invoice for the extra work, which you can accept or decline before any of that work starts.
Milestones
Larger projects are split into milestones. Each milestone is paid before work on it starts and is released — treated as complete — when you accept its delivery, or automatically 7 days after delivery if you haven’t accepted it or asked for a revision (we remind you 2 days before). The next milestone is invoiced once the previous one is accepted. Where a quote allows it you may pay for every milestone at once; each one is still delivered and accepted separately.
Revisions
Each package or quote states how many revision rounds are included. A revision round is one consolidated list of changes to a delivery, within the agreed scope. Changes beyond the included rounds, or new requirements, are quoted or invoiced separately and only done once you agree.
Your materials and approvals
You are responsible for giving us accurate information, content, files, access and approvals on time, and for having the rights to everything you send us. Delivery times count from when we receive your brief and move by any time we spend waiting for your input. Accepting a delivery confirms that it matches what was agreed.
Ownership of the work
Ownership of the final deliverables made specifically for you passes to you once they are paid for in full (for milestone projects, once every milestone is paid). Until then you may use deliveries for review only. Our pre-existing tools, templates and know-how, and any third-party components, remain ours or their owners’ and are licensed to you for use with the deliverables.
Recurring plans
Monthly, quarterly and yearly packages are prepaid for a fixed period (30, 90 or 365 days) that starts when your payment is confirmed. They never renew automatically and we never charge you without your action: we email a renewal invoice 5 days before the period ends, and the service continues only if you pay it. If it is still unpaid when the period ends, the service is paused (on hold) until you pay it or ask us to close it.
Questions about this policy? Email [email protected] or write to [Registered business name], [Registered office address], [City], Pakistan.