1. About these Terms
1.1These Terms of Use (the “Terms”) form a legally binding agreement between you and FinGo Digital Private Limited (the owner and operator of SheGo), a company incorporated in Pakistan under the Companies Act, 2017, with its registered office at 201 Rizwan Arcade, Sadat-e-Amroha Society, Scheme-33, Karachi, Pakistan (“SheGo”, “we”, “us” or “our”).
1.2They govern your access to and use of the SheGo marketplace, which includes our WhatsApp Business number +92 312 1165666, the SheGo shop screens and forms inside WhatsApp, our WhatsApp catalog and messages, our order tracking pages, our websites shego.pk and fingodigital.com and any related service (together, the “Platform”).
1.3By sending us a message, browsing our catalog, placing an order, registering as a seller or otherwise using the Platform, you confirm that you have read, understood and accepted these Terms, our Privacy Policy and our Returns & Refunds Policy, each of which forms part of these Terms. If you do not accept them, you must not use the Platform.
1.4Under the Electronic Transactions Ordinance, 2002, your acceptance by tapping a button, submitting a WhatsApp form or placing an order is a valid electronic acceptance, and the messages, order records and invoices we generate are valid electronic records of our agreement.
2. Definitions
2.1Buyer means a person who browses or orders products on the Platform.
2.2Seller means an independent business or individual registered on the Platform to list and sell products, and Seller Terms means the seller terms and conditions accepted at registration together with clause 12 of these Terms.
2.3Product means any item listed on the Platform; Listing means its photos, title, description, price and stock information.
2.4Order means a confirmed request to buy one or more products, identified by an Order ID beginning “ORD-”.
2.5Courier Partner means an independent third party logistics company that collects parcels from sellers, delivers them to buyers and collects payment on delivery. Courier partners are not SheGo’s employees or agents, and SheGo is not a carrier.
2.6Complaint Window means the period of three (3) days from delivery of an order, as recorded by the courier partner, within which issues must be reported.
2.7Commission means SheGo’s fee for marketplace services, deducted from the seller’s sale proceeds.
2.8Platform Fee means the fixed fee SheGo charges the buyer once per order for the use of the SheGo ordering platform (catalogue, ordering, order tracking, invoices and customer support). It is SheGo’s own charge, is not part of the price of any product, and is inclusive of any tax on services that SheGo is required by law to charge on it.
3. SheGo’s role as a marketplace
3.1SheGo operates an online marketplace and acts only as an intermediary between buyers and sellers. SheGo does not manufacture, own, stock, inspect in person, pack or sell the products listed by sellers. Each product is offered and sold by the seller named on the product, the order confirmation and the invoice (“Sold by”). The contract of sale for a product is between the buyer and that seller only, and SheGo is not a party to it.
3.2SheGo acts as the seller’s limited agent only to display listings, accept orders, arrange delivery through independent courier partners, collect payment on the seller’s behalf, issue system generated invoices on the seller’s behalf and administer customer support, returns and refunds under our policies. Performing these administrative tasks does not make SheGo responsible for the products, their quality, safety, legality, description, warranty, packing or delivery, which remain the responsibility of the seller and, for carriage, the courier partner.
3.3SheGo reviews listings for compliance before they go live, using automated rules, automated (AI assisted) checks and human review. Such review does not make SheGo the manufacturer, owner or warrantor of any product, and does not transfer the seller’s responsibility for the product to SheGo.
3.4Nothing in these Terms limits any right a buyer has under the consumer protection laws applicable in Pakistan that cannot lawfully be excluded. Claims about a product (including quality, defects, safety, description, authenticity, warranty or fitness) are claims against the seller. SheGo will help the buyer raise and resolve such a claim through its Returns & Refunds Policy, and any refund, replacement, return or related cost is made on behalf of, and charged to, the responsible seller.
3.5SheGo is an intermediary for the purposes of the Electronic Transactions Ordinance, 2002 and the Prevention of Electronic Crimes Act, 2016. Listings, prices, photos and descriptions are content supplied by sellers, and SheGo is not responsible for them, but will remove unlawful content when it becomes aware of it.
3.6No responsibility for sellers’ products. To the fullest extent permitted by law, FinGo Digital Private Limited is not directly or indirectly responsible for any loss, injury or damage caused by a product that is wrong, defective, unsafe, counterfeit, of low quality or not as described. Such claims lie against the seller. SheGo’s role is limited to facilitating the resolution of the dispute through its Returns & Refunds Policy and, where a refund is approved, paying it on the seller’s behalf from amounts recovered from the seller.
4. Eligibility and account
4.1You must be at least 18 years old and legally able to enter into a binding contract to register as a seller. Persons under 18 may use the Platform as buyers only with the involvement and consent of a parent or legal guardian, who accepts these Terms on their behalf.
4.2Your WhatsApp number identifies you on the Platform. You are responsible for all activity carried out from your number and for keeping your phone and WhatsApp account secure. Tell us immediately at help if you believe your number has been misused.
4.3You must provide true, accurate and complete information and keep it up to date. SheGo may verify information provided by sellers, including identity and bank details, and may refuse, suspend or close any registration at its discretion where information is false, incomplete or cannot be verified. Every seller must hold a valid NTN and complete verification as set out in the Seller Agreement.
4.4SheGo is a women only marketplace, built to empower women and give them a platform of their own. Women artisans, entrepreneurs and businesswomen, and any business or brand, may register as sellers, provided every product they list is made for women or meets women’s needs. Full seller rules are in the Seller Agreement.
5. Acceptable use
5.1You must use the Platform only for lawful purposes and in accordance with these Terms.
5.2You must not: (a) place fake, speculative or fraudulent orders, or orders you do not intend to accept; (b) repeatedly refuse deliveries without a valid reason; (c) impersonate any person or business; (d) harass, threaten or abuse sellers, riders or SheGo staff; (e) send spam, malware or unlawful content; (f) attempt to gain unauthorised access to, interfere with, copy, scrape or reverse engineer the Platform or its systems; (g) post false, misleading or defamatory reviews; (h) arrange to complete a transaction outside the Platform with a seller you found on the Platform to avoid SheGo’s commission or policies; or (i) use the Platform in breach of any law, including the Prevention of Electronic Crimes Act, 2016.
5.3SheGo may, without liability and with or without notice, suspend or restrict access, cancel orders, withhold or reverse refunds, remove content, block numbers and report conduct to the relevant authorities where it reasonably believes these Terms or the law have been breached.
6. Listings, prices and availability
6.1Product photos, colours, sizes and descriptions are provided by sellers. Images are illustrative: actual colours may vary with screens and lighting, and handmade or artisan products may vary slightly from piece to piece. Such variations are not defects.
6.2All prices are in Pakistani Rupees and are set by sellers. The delivery charge and the Platform Fee are shown separately in your cart and at checkout before you confirm your order, and are included in the order total you pay on delivery. The Platform Fee is charged once per order, however many products or sellers the order includes.
6.3If a product is listed at an obviously incorrect price or with an obvious error in its description, whether caused by a seller, SheGo or a technical fault, SheGo may cancel the affected order or product before shipping and will tell you. No payment is due for a cancelled product.
6.4Stock is shown on a best effort basis. If a product is unavailable after you order, SheGo may cancel that product or offer an alternative with your agreement.
7. Orders and contract formation
7.1An order is an offer by the buyer to purchase the products in it. The order is accepted, and a contract of sale with the seller formed, only when SheGo sends an Order Confirmed message with an Order ID on the seller’s behalf. Earlier messages, screens, carts or forms are not acceptances.
7.2SheGo and the seller may decline or cancel any order, in whole or in part, before shipping, including for suspected fraud, unverifiable delivery details, pricing errors, unavailability, delivery area restrictions or a buyer’s history of refused deliveries.
7.3An order may contain products from several sellers. Each product is supplied by its own seller and may arrive in separate parcels or at different times.
7.4Size, colour or other notes you add to an order are passed to the seller, who will try to follow them. If a note cannot be followed, the seller or SheGo will contact you before shipping.
8. Payment
8.1Unless another payment method is offered at checkout, payment is made on delivery to the courier rider, in cash or by scanning the rider’s QR code. The amount due is the product price, the delivery charge and the Platform Fee, as shown at checkout. Payment is collected by the courier partner and remitted to SheGo, which receives the product price on the seller’s behalf and the Platform Fee for itself.
8.2Buyers must not pay sellers directly for orders placed through the Platform. SheGo is not responsible for any payment made outside the Platform.
8.3Invoices are system generated and are valid without signature. SheGo may require advance payment for specific orders, buyers or areas, including after refused deliveries.
9. Delivery, risk and ownership
9.1Delivery is performed by independent courier partners. SheGo arranges the booking but is not the carrier and does not control the courier’s operations. Delivery times are estimates and may be affected by location, weather, public holidays, security conditions or other events. SheGo is not liable for delay, loss or damage caused by a courier partner, but will help pursue a claim with the courier, and any product lost or damaged in transit is handled under the Returns & Refunds Policy at the cost of the seller or courier, not SheGo.
9.2Buyer responsibilities. You must give a complete and correct address and a reachable phone number, be available to receive the parcel, check it at the door and pay the amount due. If delivery fails because of incorrect or incomplete details, your unavailability, or refusal without a valid reason (a valid reason is a visibly damaged or tampered parcel, or a parcel that is not what you ordered), the order is returned to the seller and cancelled. In that case SheGo may (a) require advance payment for your future orders, (b) require you to pay the forward and return delivery charges of the refused parcel before accepting a new order, and (c) stop accepting orders from your number after repeated refusals. A redelivery requested by you because of your own unavailability or wrong details may carry an additional delivery charge, which will be shown to you first.
9.3Risk in a product passes to the buyer on delivery. Ownership passes from the seller to the buyer when the order is delivered and paid for in full. Ownership of a product never passes to SheGo.
9.4Before accepting a parcel, check that the outer packaging is intact. If it is visibly damaged or tampered with, refuse it or record the damage with the rider, and report it through help. Please record a continuous, unedited unboxing video from the sealed parcel when opening any order: SheGo reminds you of this in your order confirmation, and the video is required for claims of missing, wrong or tampered items under the Returns & Refunds Policy.
10. Cancellations, returns and refunds
10.1Buyers may cancel an order free of charge until it is shipped, through My orders in the SheGo shop or by typing orders on WhatsApp. After shipping, cancellations, returns and refunds are governed exclusively by the Returns & Refunds Policy.
10.2Refunds are made on behalf of the seller and are limited to the amount actually paid for the affected product and, where the policy provides, the delivery charge. The Platform Fee is a charge for the use of the Platform and is not refundable, except where a whole order is refunded because of the seller’s fault (in which case it is recovered from the seller) or because of SheGo’s own error.
11. Ratings, reviews and content
11.1Ratings, comments, photos and messages you submit (“User Content”) must be honest, lawful and relevant. You grant SheGo a free, worldwide, nonexclusive, perpetual licence to use, display, reproduce and share User Content in connection with the Platform and its promotion, including sharing it with the relevant seller.
11.2SheGo may moderate, decline or remove User Content that it considers false, abusive, irrelevant, infringing or otherwise inappropriate. Average ratings shown for stores are calculated from verified orders only.
12. Seller obligations
This clause applies to sellers in addition to clauses 1 to 11 and the Seller Agreement accepted at registration. If they conflict, the stricter obligation on the seller applies.
12.1Authenticity and legality. The seller warrants that every product is genuine, lawful to sell in Pakistan, safe for its intended use, accurately described, and that the seller owns or is licensed to use all trademarks, designs, photos and text in its listings.
12.2Prohibited products. The seller must not list any product described in clause 13.
12.3Fulfilment. The seller must keep stock and prices accurate, pack each order securely with the Order ID marked on it, and have it ready for courier pickup within the time SheGo specifies. Repeated late or failed fulfilment may lead to penalties, delisting or suspension.
12.4Returns. The seller accepts returns and refunds approved by SheGo under the Returns & Refunds Policy, and SheGo’s reasonable determination of a buyer claim is final as between SheGo and the seller.
12.5Commission and payouts. SheGo collects sale proceeds on the seller’s behalf and pays them to the seller’s registered bank account after delivery and the Complaint Window, normally within ten (10) working days of delivery, less the Commission, any refunds, return or delivery costs caused by the seller, penalties, and any taxes SheGo is required by law to deduct or withhold.
12.6Set off and holds. SheGo may set off any amount the seller owes SheGo against any payout, and may hold payouts for up to ninety (90) days, or longer if required by law or by an authority, where an order is disputed, fraud is suspected, a legal or regulatory claim is pending, or the seller is under investigation.
12.7Taxes. The seller is solely responsible for its own registration, income tax, sales tax and other tax obligations on its sales, including keeping its NTN active and remaining on FBR’s Active Taxpayers List. SheGo is responsible only for taxes on its own income (its Commission, fees and the Platform Fee) and for any deduction, collection or deposit the law requires SheGo itself to make, as set out in the Seller Agreement.
12.8Customer data. Sellers receive only the buyer information needed to fulfil an order. Sellers must not contact buyers outside the Platform for marketing, solicit off Platform transactions or use buyer data for any other purpose.
12.9Indemnity. The seller will indemnify and hold harmless SheGo, its directors, employees and agents from and against all claims, losses, damages, refunds, courier and return charges, fines, penalties, taxes, costs and expenses (including reasonable legal fees and any amounts awarded by a consumer court or other authority) arising out of or connected with the seller’s products or listings, their packing or delivery, any breach of these Terms or the Seller Agreement, any infringement of third party rights, or any act or omission of the seller.
12.10Suspension. SheGo may suspend or delist any product or seller at any time, and may terminate a seller’s registration on notice, with immediate effect where there is a material breach, fraud, repeated complaints or risk to buyers or to SheGo’s standing with Meta, couriers, banks or authorities.
13. Prohibited products
13.1The following may not be listed or sold on the Platform: weapons, ammunition and their parts; narcotics, drugs and drug paraphernalia; medicines, supplements making medical claims and medical devices requiring a licence; alcohol; tobacco, nicotine and vaping products; adult or sexual products; live animals and animal parts; counterfeit, replica, “first copy” or “master copy” goods; products infringing any trademark, copyright or design; stolen goods; hazardous or flammable materials; digital, financial or subscription products; gambling products; food items, including home cooked, bakery and restaurant food (not sold on SheGo for now); and anything prohibited by the laws of Pakistan or by Meta’s commerce policies.
13.2SheGo may remove any listing that, in its opinion, is prohibited, unsafe, offensive or likely to harm SheGo’s reputation or its relationships with platforms and partners.
13.3Only products made for women or meeting women’s needs may be listed, including women’s fashion, footwear, jewellery, bags and accessories, beauty and personal care, artisan goods, and household, kitchen, home and electronic items designed for or used mainly by women. Products made only for men are not allowed.
14. Intellectual property
14.1The names and marks “SheGo” and “FinGo Digital”, their logos, brand assets, Platform design, messages, templates and software are owned by or licensed to FinGo Digital Private Limited and are protected as trademarks (registered or pending registration with the Intellectual Property Organisation of Pakistan), under the Trade Marks Ordinance, 2001, the Copyright Ordinance, 1962 and other laws. No one may use them, or any confusingly similar name, logo, domain name, social media handle or page, without SheGo’s prior written permission. SheGo may take legal action against any misuse and recover its costs.
14.2Sellers retain ownership of their listing content and grant SheGo a free, nonexclusive, worldwide licence to host, adapt (including resizing and formatting photos), display and promote it on the Platform, on Meta services and in SheGo’s marketing for as long as the products are listed and for a reasonable period afterwards for records and archived marketing.
14.3If you believe content on the Platform infringes your rights, write to us under clause 21 with details and proof of ownership. We will review and, where appropriate, remove the content.
15. Third party services
15.1The Platform runs on third party services, including WhatsApp and other Meta services, Google services, image hosting, hosting providers, courier partners and banks. Your use of WhatsApp is also governed by WhatsApp’s own terms and privacy policy. These third parties are independent of SheGo, and SheGo is not responsible for their availability, acts or omissions, including messages that are delayed or not delivered, or parcels lost, delayed or damaged by a courier.
16. Disclaimers
16.1To the fullest extent permitted by law, the Platform is provided on an “as is” and “as available” basis. SheGo does not warrant that the Platform will be uninterrupted, error free or free of harmful components, or that listings provided by sellers are complete or accurate.
16.2Any warranty, guarantee, size guide, care instruction or claim about a product is given by its seller and not by SheGo. SheGo gives no warranty of any kind, express or implied, about any product, except where the law requires otherwise.
16.3Order tracking pages, delivery estimates, stock levels, ratings and other information on the Platform are provided for convenience and may be delayed or inaccurate. Ratings and reviews are the opinions of buyers, not of SheGo.
17. Limitation of liability
17.1To the fullest extent permitted by law, SheGo, its directors, shareholders, employees and agents will not be liable for (a) any act, omission, product, listing, statement or default of a seller or courier partner, (b) any indirect, incidental, special or consequential loss, or (c) any loss of profit, revenue, business, goodwill, opportunity or data, arising out of or in connection with the Platform, any product or these Terms.
17.2To the fullest extent permitted by law, SheGo’s total aggregate liability to a buyer for all claims relating to an order is limited to the Platform Fee the buyer paid to SheGo for that order. Claims for the price of a product are made against the seller and are resolved, where approved, through the Returns & Refunds Policy. SheGo’s total aggregate liability to a seller is as set out in the Seller Agreement.
17.3Nothing in these Terms excludes or limits liability for fraud, or any liability that cannot be excluded or limited under the laws of Pakistan.
18. Indemnity by users
18.1You will indemnify and hold harmless SheGo, its directors, employees and agents from all claims, losses and costs (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Platform, fake or fraudulent orders, refused deliveries without a valid reason, your User Content, or your violation of any law or third party right.
19. Force majeure
19.1SheGo is not liable for any delay or failure caused by events beyond its reasonable control, including natural disasters, floods, epidemics, strikes, riots, security operations, government action, internet or power outages, or the suspension, restriction or failure of WhatsApp, Meta, Google, courier, banking or payment services.
20. Suspension, termination and changes to the Platform
20.1SheGo may modify, suspend or discontinue any part of the Platform at any time. SheGo may suspend or terminate any user’s access in accordance with clauses 5.3 and 12.10.
20.2Clauses that by their nature should survive termination, including those on payment, refunds, set off, intellectual property, disclaimers, limitation of liability, indemnities and disputes, survive.
21. Notices and communications
21.1You agree to receive communications from SheGo electronically, including by WhatsApp message, WhatsApp template message, email and website notice, and agree that such communications satisfy any legal requirement that they be in writing.
21.2Formal or legal notices to SheGo must be sent in writing to FinGo Digital Private Limited, 201 Rizwan Arcade, Sadat-e-Amroha Society, Scheme-33, Karachi, Pakistan, with a copy to info@shego.pk. A notice sent to us by WhatsApp alone is not a formal legal notice.
21.3SheGo may send you notices to the WhatsApp number or email address you have provided, and they are treated as received when sent.
22. Complaints, disputes and governing law
22.1These Terms are governed by and construed in accordance with the laws of the Islamic Republic of Pakistan, including the Electronic Transactions Ordinance, 2002, the Prevention of Electronic Crimes Act, 2016 and, for consumers in Sindh, the Sindh Consumer Protection Act, 2014.
22.2If you have a complaint, first raise it with us by typing help on WhatsApp. We will acknowledge it within 24 hours and aim to resolve it within seven (7) working days. Most issues are resolved this way, and we ask you to allow us that opportunity before taking any other step.
22.3Any dispute between SheGo and a seller, or any other business user, that is not resolved within thirty (30) days will be referred to arbitration in Karachi by a sole arbitrator appointed by SheGo and the seller by agreement, under the Arbitration Act, 1940. The arbitration will be in English and the award is final and binding.
22.4For buyers, and for any matter not subject to arbitration, the courts at Karachi, Sindh have exclusive jurisdiction, without prejudice to any consumer court or forum a consumer is entitled to approach under applicable consumer protection law, including the Sindh Consumer Protection Act, 2014.
23. General
23.1SheGo may update these Terms at any time by publishing a new version on shego.pk. The updated Terms apply from the date shown. Continued use of the Platform after that date means you accept them. Material changes affecting sellers will be notified to them on WhatsApp.
23.2If any provision is held invalid or unenforceable, it will be enforced to the maximum extent permitted and the remaining provisions remain in full effect.
23.3Failure or delay by SheGo in enforcing any right is not a waiver of it.
23.4You may not assign or transfer your rights under these Terms. SheGo may assign them to an affiliate or to a successor of its business.
23.5These Terms, together with the Privacy Policy, the Returns & Refunds Policy and, for sellers, the Seller Agreement, are the entire agreement between you and SheGo about the Platform.
24. Contact
FinGo Digital Private Limited
201 Rizwan Arcade, Sadat-e-Amroha Society, Scheme-33, Karachi, Pakistan
Email: info@shego.pk
WhatsApp: +92 312 1165666 (type help)
This document is written in English. If it is translated, the English version prevails. Last updated 14 October 2026.