Forgot password

1. Who this agreement is with

These Terms and Conditions govern use of the Together We Go client portal (the "Service") operated by Together We Go (Pvt) Ltd, a company registered in Pakistan ("TWG", "we", "us"). The Service lets a registered company ("you", the "Client") apply for TWG to pay a vendor for goods the Client is purchasing, complete verification once for reuse across applications, track invoices, and manage repayments. It is separate from the marketing site at togetherwego.pk.

2. Account and eligibility

One account is registered per company. The person registering must be authorised to bind that company and to submit applications on its behalf. You are responsible for the accuracy of information submitted, for keeping your credentials confidential, and for activity that occurs under your account. TWG may suspend an account it reasonably believes has been compromised or used fraudulently.

3. How an application works

An application describes vendor line items you intend to purchase. Company documents and guarantor information are verified once and reused by later applications from the same company. An approved application carries an approved amount, a service fee shown as its own line item, an upfront percentage payable before disbursement, and a credit period. TWG pays the vendor directly; you repay the outstanding balance within the agreed credit period.

4. Fees and repayment obligations

The service fee disclosed on an approved application is charged in addition to the approved amount and is never folded into unit prices. Repayment is due in full by the end of the agreed credit period. Late repayment may attract additional charges disclosed at the time an application is approved and may affect your company's ability to submit further applications. Nothing here waives TWG's right to recover amounts owed through any lawful means.

5. Documents and verification

You agree to provide accurate company and guarantor documents and to notify TWG promptly if any of them change or cease to be accurate. TWG reviews submitted documents and may accept or flag individual documents for correction; an application cannot proceed to approval while required documents remain unresolved.

6. Acceptable use

You agree not to submit false or misleading information, not to attempt to access another company's data, and not to interfere with the Service's normal operation. TWG may suspend or terminate access for a material breach of these terms.

7. Liability

The Service is provided on an "as is" basis. To the extent permitted by law, TWG is not liable for indirect or consequential loss arising from use of the Service. Nothing in this section limits liability that cannot lawfully be limited.

8. Changes to these terms

TWG may update these terms from time to time. Continued use of the Service after an update constitutes acceptance of the revised terms. Material changes affecting applications that are still open will be communicated directly rather than through this page alone.

9. Governing law

These terms are governed by the laws of Pakistan. This clause, like every clause above, is a placeholder pending counsel review and may change.

10. Contact

Questions about these terms can be sent to your TWG relationship manager or to the company's registered contact address.

1. Scope

This Privacy Policy describes how Together We Go (Pvt) Ltd ("TWG", "we") collects, uses and stores information through the client portal. It applies to registered company accounts, the individuals who use them, and the guarantors named on an application.

2. Information we collect

Account information: company name, registered user's name, work email, phone number, and a password (stored as a salted hash, never in plain text). Application information: vendor line items, approved amounts and repayment terms. Verification information: company registration and guarantor identity documents you upload, and the outcome of their review. Usage information: sign-in times, IP address for rate limiting and abuse prevention, and audit events tied to actions taken on your account (an append-only record of who did what and when, kept for accountability on financial transactions).

3. Why we collect it

To operate your account and process applications; to verify company and guarantor identity as required before approving an application; to detect fraud and enforce rate limits that protect every account, not only yours; to communicate about applications, invoices and repayments; and to meet TWG's own record-keeping and regulatory obligations.

4. Document retention

Verification documents and application records are retained for as long as your account is active and for a period after closure needed to satisfy audit, tax and regulatory requirements. Documents flagged as rejected during review remain part of the audit record even after a corrected document is accepted, so the review history stays complete. Specific retention periods are being finalised with TWG and will be stated here once settled.

5. Third parties we use

TWG uses a small number of processors to run the Service, each bound to use your data only to provide that service to TWG:

• Cloudflare R2 — stores uploaded verification documents in a private, tenant-scoped bucket. Documents are never publicly listable; access is through a short-lived signed link issued only when a reviewer opens a specific document.
• Resend — sends transactional email: verification codes, magic sign-in links, application and payment notifications. Resend processes the message content and recipient address needed to deliver each email.

TWG does not sell personal information, and does not share it with third parties for their own marketing purposes.

6. Data security

Passwords are hashed with argon2id and never stored in reverse- readable form. Sessions are hashed at rest and revoked on password reset or account deactivation. One-time codes are HMAC-keyed rather than stored as sent. Documents are held in a private bucket and reached only through time-limited signed links, each access recorded.

7. Your rights

You may ask TWG to correct inaccurate account information, and to tell you what personal information TWG holds about you. Because approved applications and their documents form part of a financial and audit record, some information cannot be deleted on request while your company has an open or recently closed application — the append-only audit log in particular is retained for accountability and cannot be edited or deleted by anyone, including TWG staff. Requests can be sent to the contact below.

8. Changes to this policy

TWG may update this policy from time to time. Material changes will be communicated directly rather than through this page alone.

9. Contact

Questions about this policy, or a request concerning your personal information, can be sent to your TWG relationship manager or to the company's registered contact address.