Consultancy services for CDA property matters • Islamabad
support@rehnumaai.org
Rehnuma AI
Client Assurance & TransparencyTransparent Milestone Terms

Refund and Cancellation Policy

Clear guidelines regarding our professional consultancy fee refunds, cancellation timelines, milestone deliverables, and non-commingled statutory government dues.

Effective Date:November 10, 2026
Jurisdiction:Islamabad Capital Territory, Pakistan
Entity:Rehnuma AI

Summary of Key Principles

  • Complimentary initial intake and triage: zero fee is charged before formal agreement.
  • Fixed PKR milestone quotations accepted in writing before any paid work starts.
  • Statutory CDA challan fees are paid directly by clients to banks and are not refundable by Rehnuma AI.
  • 100% full refund on professional deposits if cancelled within 24 hours prior to document production.
  • Pro-rata partial refund during active document drafting; non-refundable once final verified dossiers are delivered.
  • Approved refunds processed via bank transfer (IBFT) within 7 to 10 business days.
Document Outline & Navigation
Article 01

Preamble and Institutional Nature of Services

Rehnuma AI operates as an independent legal-technical property consultancy headquartered in G-11 Markaz, Islamabad. Our practice is dedicated to guiding citizens, overseas Pakistanis, families, and commercial entities through Capital Development Authority (CDA) administrative, estate, revenue, and building control procedures.

Our services comprise document scrutiny, procedural sequencing, preparation of customized affidavit packs, drafting of indemnity bonds, and compiling complete CDA One Window appointment dossiers. Because our engagements involve skilled professional labor, legal research, and customized documentation, this Refund and Cancellation Policy clearly defines the financial terms governing client engagements.

Complimentary Initial Triage

All initial inquiries, basic document reviews, and procedural triage conducted via our website, mobile application, or office desk are completely complimentary. You are never obligated to proceed, and no fee is collected until you formally accept an itemised written quotation.

Article 02

Statutory Government Dues vs. Professional Consultancy Fees

A fundamental distinction exists between statutory government fees levied by civic authorities and the professional consultancy fees charged by Rehnuma AI. Understanding this distinction is vital to understanding our refund policy.

CDA official fees—including but not limited to plot transfer fees, mutation fees, property tax clearance dues, No Demand Certificate (NDC) charges, Property Identification Report (PIR) verification fees, building plan scrutiny fees, Form B-1 and B-2 inspection charges, and late surcharge penalties—are statutory government revenues payable directly to the Capital Development Authority.

Important Disclaimer on Government Challans

Rehnuma AI does NOT collect, hold, escrow, or broker government funds. All official CDA challans are paid by the client directly at designated commercial bank branches (such as Askari Bank, National Bank of Pakistan, or MCB) or authorized government e-payment portals. Consequently, official government challans are entirely non-refundable by Rehnuma AI. Any claims for refund of official CDA dues must be addressed directly to the CDA Revenue & Finance Directorate.

  • Rehnuma AI consultancy fees cover our proprietary analysis, procedural roadmaps, customized drafting, and dossier assembly.
  • Statutory challans are issued in the name of the property owner or applicant and belong exclusively to the CDA.
  • Any bank charges, withholding taxes (WHT), or stamp duty levied by the Federal Government or ICT Administration are non-refundable by Rehnuma AI.
Article 03

Milestone-Based Refund and Cancellation Schedule

To ensure complete fairness, our professional fee structure is divided into discrete, transparent procedural milestones. If an engagement is cancelled, refund eligibility is determined strictly by the milestone status reached at the time formal written cancellation is received.

Rehnuma AI Milestone Refund Matrix
Engagement PhaseWork Performed / StatusCancellation Notice WindowRefund Eligibility
Phase 1: Intake & TriageJurisdiction check, sector verification, preliminary document auditPrior to quotation acceptance100% Free (Zero fee incurred or collected)
Phase 2: Order Acceptance & Pre-DraftingWritten engagement accepted; case file opened; document drafting not yet commencedWithin 24 hours of written agreement acceptance100% Full Refund of professional consultancy deposit
Phase 3: Active Drafting & ScrutinyDrafting of specialized affidavits, indemnities, heir lists, or architectural pack audits underwayPrior to delivery of final compiled dossier50% Partial Refund (Balance retained for incurred legal drafting and analysis hours)
Phase 4: Dossier Handover & Case ClosureComplete verified document dossier, CDA appointment pack, and submission roadmap deliveredAfter delivery of verified procedural dossier or submission slipsNon-Refundable (Work fully completed and proprietary assets delivered)
Article 04

Eligible Circumstances for Approved Refunds

Rehnuma AI will promptly approve a full or proportionate refund under the following verified circumstances:

  • Duplicate Payment or Billing Error: Where a client experiences a duplicate electronic transaction or overpays due to a technical banking error.
  • Jurisdiction Ineligibility: If our senior legal reviewer determines during Phase 2 that your property file lies outside CDA jurisdiction (e.g. falls under RDA, Rawalpindi, or private unapproved housing schemes) and work is stopped immediately, all unutilized fees will be refunded in full.
  • Material Delay Attributable to Rehnuma AI: If Rehnuma AI fails to deliver the agreed document pack within the committed written timeline plus a grace period of 14 working days, and such delay is solely due to internal consultancy default and not client inaction or CDA civic counter delays.
  • Cancellation Prior to Drafting: If the client requests formal written cancellation within 24 hours of accepting the proposal before any substantive legal review or bespoke document drafting has commenced.
Article 05

Non-Refundable Circumstances and Client Obligations

Due to the specialized nature of municipal procedural work, refunds cannot be granted under the following conditions:

  • Pre-Existing Title Defects or Document Concealment: If a CDA directorate rejects or suspends an application due to forged, altered, counterfeit, or fraudulent documents provided by the client, or due to undisclosed legal injunctions, stay orders, or pending litigation.
  • Unpaid Civic or Master Planning Dues: If an application is stalled because the client has unpaid property taxes, CDA restoration surcharges, or disputed civic arrears dating prior to our engagement.
  • Failure to Appear or Provide Biometrics: If the client, buyer, seller, legal heir, or lawful attorney fails to appear in person for mandatory biometric verification, NADRA verification, or scheduled CDA One Window counter appointments.
  • Retrospective Policy or Master-Plan Changes: If the Federal Government, Ministry of Interior, or CDA amends building bylaws, sector regulations, or transfer moratoriums after our verified dossier has been drafted in conformity with existing laws.
  • Client Change of Mind or Transaction Cancellation: If the client chooses to abort their real estate sale, purchase, or building construction after custom affidavits, dossiers, and checklists have been compiled and delivered.
Article 06

Refund Request Submission and Processing Workflow

To submit a formal cancellation and refund request, clients must follow our structured verification procedure:

Step 1: Written Notice via Email

All refund requests must be transmitted in writing from the client's registered email address to support@rehnumaai.org. The communication must contain the Case Reference ID, plot and sector details, proof of payment (bank transfer receipt or transaction ID), and the specific rationale for the cancellation.

Step 2: Internal Audit and Milestone Review

Upon receipt, our compliance and accounting desk conducts an internal audit within three to five (3–5) business working days. The audit verifies the milestone status, checks whether proprietary dossiers were transmitted, and determines the applicable refund entitlement.

Step 3: Disbursement of Funds

Once approved, the refund is disbursed exclusively via Inter-Bank Fund Transfer (IBFT) to the original remitting Pakistani bank account or original cardholder. In accordance with anti-money laundering (AML) protocols, cash refunds and third-party account transfers are strictly prohibited.

Refund credits typically reflect in the client's bank account within seven to ten (7–10) business working days, depending on inter-bank clearing cycles.

Article 07

Policy Modifications and Institutional Queries

Rehnuma AI reserves the right to amend this Refund and Cancellation Policy periodically to align with evolving administrative procedures and banking regulations in Pakistan. Any revisions take effect upon publication on our official web portal.

Clients with active, signed engagement proposals are governed by the specific refund terms active on the date their proposal was accepted.

For questions regarding billing or refund eligibility, please contact our administrative desk at support@rehnumaai.org or visit our office at Office No 3, Islamabad Arcade Plaza, G11 Markaz, Islamabad.

Institutional Inquiries & Official Communications

If you require clarification on any clause within this policy, or if you have a formal question regarding your Capital Development Authority property file in Islamabad, please contact our administrative desk:

Office No 3, Islamabad Arcade Plaza, G11 Markaz, Islamabad
support@rehnumaai.org
+92 301 9531648
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