Disclaimer

Table of COntent

Table of Contents

Disclaimer – Apni Chat Apna Ghar is an independent informational website created to provide guidance about the Apni Chhat Apna Ghar Program launched by the Government of Punjab. This page explains our legal position, limitations, and responsibilities regarding the content published on this website.

By using this website, you acknowledge and agree to the terms stated in this Disclaimer.

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⚠️ Not an Official Government Website

Apni Chat Apna Ghar is not affiliated with:

• Government of Punjab
• Punjab Housing & Town Planning Agency (PHATA)
• ACAG Punjab official department

We do not represent any government authority.

The official website of the scheme is:
👉 https://acag.punjab.gov.pk/

All official registrations, complaints, and scheme applications must be submitted through the official government portal.

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📌 Informational Purpose Only

The content available on this website is provided for informational and educational purposes only. We aim to simplify and explain publicly available information regarding:

• Punjab housing scheme
• Apni Chhat Apna Ghar eligibility criteria
• Online registration process
• Required documentation
• Loan and installment structure

We do not provide financial, legal, or official government advice.

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🛑 No Guarantee of Approval

Apni Chat Apna Ghar does not:

• Guarantee scheme approval
• Influence application decisions
• Provide loan approvals
• Control government verification processes

All approvals are solely decided by the concerned government authorities.

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🔍 Accuracy of Information

We strive to keep information accurate and updated based on official public sources. However:

• Government policies may change
• Eligibility criteria may be revised
• Installment plans may be updated
• Deadlines may vary

Therefore, we strongly advise users to verify final information directly from official government sources before making decisions.

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💰 No Fees or Payments

This website does not:

• Charge registration fees
• Collect application payments
• Request CNIC details
• Ask for banking information

Users should be cautious of fraudsters or agents claiming guaranteed approval in exchange for money.

Always use official government platforms for payments and registration.

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🌐 External Links Disclaimer

Our website may include links to external websites such as:

• acag.punjab.gov.pk
• phata.punjab.gov.pk
• Other official government portals

We are not responsible for:

• Content changes on external websites
• Privacy policies of third parties
• Security practices of other platforms

Users access third-party links at their own discretion.

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⚖️ Limitation of Liability

Under no circumstances shall Apni Chat Apna Ghar be held liable for:

• Financial loss
• Application rejection
• Misinterpretation of information
• Technical issues on government portals
• Delays in processing by authorities

Use of this website is at your own risk.

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🔄 Updates to This Disclaimer

We reserve the right to modify or update this Disclaimer at any time without prior notice. Continued use of the website indicates acceptance of the updated Disclaimer.

Users are encouraged to review this page regularly.

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🤝 Transparency Commitment

Apni Chat Apna Ghar is committed to providing responsible, authentic, and SEO-structured information about the Punjab government housing initiative while clearly stating our independent status.

For official decisions and final confirmations, always refer to the official ACAG Punjab website.

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