SMEDA takes no responsibility for the consequences of error or for any loss or damage suffered by users of any of the information published on any of these pages, and such information does not form any basis of a contract with readers or users of it.

SMEDA does not guarantee the truthfulness, accuracy, completeness and up to date nature of the contents.

SMEDA is free from any liability for the damages and losses of any nature that are due to the lack of truthfulness, accuracy, completeness and/or up to date nature of the contents.

SMEDA shall have the right at any time to change or discontinue any aspect of the information, content, hours of availability, and equipment needed for access or use.

The user shall be responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of the SMEDA Website and all charges related thereto.

SMEDA does not control or guarantee the absence of viruses or other elements in the services provided by third parties through the Portal that may cause alternations in your computer system (software and hardware) or in the electronic documents and files stored therein.

SMEDA is free from liability for the damages and losses of any nature that may derive from the presence of viruses or other harmful elements in the services provided by third parties through the portal that cause alterations to computer systems, electronic documents and files belonging to the users.

SMEDA provides many links to other web sites, resources and advertisers. When you leave SMEDA Web site (, you will be going to sites that are beyond our control. The policies described here for SMEDA do not apply to any external links. We encourage you to read the privacy policies of any site you link to from ours, especially if you share any personal information. Be informed. You are the person best qualified to protect your own privacy.

SMEDA is not responsible for the availability of these external sites nor does it endorse or is responsible for the contents, advertising, products or other materials made available on or through such external sites. Under no circumstances shall SMEDA be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused to a user in connection with the use of or reliance on any content, goods or services available on such external site. You should direct any concerns to such external site's administrator or webmaster.

SMEDA does not guarantee the legality, accuracy and usefulness of the services provided by third parties through the Portal.

SMEDA does not endorse, warrant or guarantee any products or services offered through the SMEDA Website and will not be a party to or in any way monitor any transaction between users and third party providers of products and services. As with the purchase of a product or service through any medium or in any environment, you should use your best judgement and exercise caution where appropriate.

The information contained in this site is determined, composed and calculated by SMEDA without regard to any particular security or product. Prior to the execution of a purchase or sale of any security or investment, user is advised to consult with a broker or other financial advisor to verify pricing and other information. Neither SMEDA nor its third party content providers shall have any liability for the investment decisions based upon, or the result obtained from, the content provided herein.

Neither SMEDA nor its third party content providers guarantee or warrant the timeliness, sequence, accuracy, or completeness of any such information.

Neither SMEDA nor its third party content providers shall be liable to users or to any other entity or individual for any loss of profits revenues, trades, data or for any direct, indirect, special, punitive, consequential or incidental loss or damage of any nature arising from any cause whatsoever.

In no event will SMEDA or any person or entity involved in creating, producing the SMEDA Website be liable for any direct, indirect, incidental, special or consequential damages arising out of the use of or inability to use the SMEDA Website.

It is the responsibility of the user to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the SMEDA website.

SMEDA shall have the right at any time to impose change, or impose new terms and conditions.

The information contained on SMEDA Website shall be used for lawful purposes only.

SMEDA has taken all reasonable care to ensure that pages published on SMEDA Website were accurate on the stated date of publication or last modification.

Be aware that despite anything we do to protect electronic information, e-mail is not necessarily secure against interception. If your communication is very sensitive, or includes personal information, you might prefer to send it by regular mail instead.

SMEDA has carefully designed the SMEDA Website with the purpose of delivering certain content to users in a particular format and with a particular appearance. No third party shall have the right to utilize the content of the SMEDA Website in any way that interferes with that purpose.

Neither SMEDA, its affiliates nor any of their respective employees, agents, third party content providers warrant that the SMEDA Website will be uninterrupted or error free; nor do they make any warranty as to the results that may be obtained from use of the SMEDA website or as to the accuracy, reliability or content of information, service or products provided through the site.

SMEDA provides information on its web site from both, its own and outside, source. All information contained in this site is provided without warranty of any kind. Because of the possibility of human and mechanical errors as well as other factors, SMEDA is not responsible for any errors or omissions in the information. It is in the nature of Web sites, many of which are experimental or constantly changing, that information published may be for test purposes only, may be out of date, or may be the personal opinion of the author. Readers should verify information gained from the Website with the appropriate SMEDA authorities before relying on it. SMEDA does not accept any responsibility for the validity & correctness of the information published on its website.

The banners and all the content appearing on SMEDA website in particular relating to the PM’s Loan Scheme are protected under the copyright law and all the rights, title and interest annexed thereto or flowing there from relates to and are exclusively owned by SMEDA. Any data or information gathered, including any personal information collected by SMEDA through its website is in the sole control and privilege of SMEDA. Any attempt by any individual, association of persons or a company to access, gather or take control of, whether, intentionally or intentionally and by any means, the information, content or data appearing or placed on SMEDA website shall be illegal, without lawful authority and of no legal effect. Any such individual, association of persons or company shall dealt in accordance with law including but limited to prosecution in court of law and recovery of damages for any loss or damage caused to SMEDA or its employees. In addition, SMEDA or its officers shall not be liable for any loss or damage caused to any of the users due to any illegal and unauthorized access of information content of data from SMEDA website by any third party.

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Small and Medium Enterprises Development Authority
4th Floor, Building no.3, Aiwan-e-Iqbal Complex

Egerton Road, Lahore - Pakistan
Ph: (042) - 111 111 456
Fax: (042) - 36304926 / 7