Terms of Use

1. Acceptance and Binding Effect

By clicking "I Agree", creating an account, submitting an inquiry, or otherwise accessing or using any part of the Platform, you signify your unconditional and irrevocable acceptance of these Terms and enter into a binding contract with Schemes24. This is a click-wrap agreement, and your electronic acceptance carries the same legal effect as a handwritten signature under the Information Technology Act, 2000 and the Indian Contract Act, 1872. If you use the Platform on behalf of any organisation, you represent that you are authorised to bind that organisation to these Terms. Your continued use of the Platform following any modification to these Terms constitutes your acceptance of the modified Terms.

2. Definitions

In these Terms, unless the context otherwise requires, the following expressions bear the meanings assigned to them below. These definitions apply equally to their singular and plural forms.

• "User" or "Buyer" means any person who accesses, browses, or uses the Platform to discover projects, submit inquiries, or otherwise engage the Services.
• "Builder" or "Developer" means any real-estate promoter, developer, or builder that lists new-construction projects on the Platform.
• "Broker" or "Channel Partner" means any real-estate agent, broker, or channel partner that lists, promotes, or facilitates projects on the Platform.
• "Content" means all listings, project particulars, prices, images, plans, availability, approvals, descriptions, and any other information displayed on the Platform, all of which are supplied by Builders and/or Brokers.
• "Platform" means the Schemes24 website, applications, and associated technology infrastructure operated by the Company.
• "Services" means the listing, discovery, inquiry-qualification, and lead-routing functionality made available through the Platform.
• "Parties" means Users, Builders, and Brokers, each of whom is an independent third party.

3. About Schemes24 and Intermediary Status

Schemes24 is a pure intermediary and neutral technology platform that merely connects and routes leads between three independent third parties, namely Users/Buyers, Builders/Developers, and Brokers/Channel Partners. Schemes24 is an "intermediary" as defined under Section 2(1)(w) of the Information Technology Act, 2000, and claims safe-harbour under Section 79 of that Act read with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021. Schemes24 is not, and shall not be deemed to be, a real-estate agent, broker, dealer, promoter, developer, builder, financial or investment adviser, fiduciary, or escrow agent, nor a party to any transaction, booking, allotment, sale, lease, loan, or agreement between a User and any Builder or Broker. Schemes24 does not author, own, control, endorse, verify, or guarantee any Content, and merely provides the technology through which independent third parties interact.

4. Eligibility

You must be at least eighteen (18) years of age and competent to enter into a legally binding contract under the Indian Contract Act, 1872 to use the Platform. By using the Platform, you represent and warrant that you meet these eligibility requirements and that all information you provide is true, accurate, current, and complete. If you are a minor, a person of unsound mind, or otherwise disqualified from contracting under applicable law, you are not permitted to use the Platform. Schemes24 reserves the right to refuse, suspend, or terminate access to any person who does not satisfy these eligibility criteria.

5. Nature of Listings and Third-Party Content

All Content on the Platform, including listings, prices, images, floor plans, carpet areas, availability, approvals, and all other particulars, is supplied, uploaded, and controlled solely by Builders and Brokers, who are independent third parties. Schemes24 does not create, author, or independently verify such Content beyond a limited operational document check performed for convenience only, which does not constitute legal, title, financial, technical, or any other form of due diligence. Content may be inaccurate, incomplete, outdated, misleading, or subject to change without notice, and Schemes24 makes no representation or warranty regarding its accuracy, completeness, or reliability. You acknowledge and agree that any reliance you place on such Content is entirely at your own risk.

6. No Transaction, No Brokerage, No Advice

No payment, booking, allotment, or money of any kind changes hands through Schemes24; all consideration, if any, flows directly between the User and the relevant Builder or Broker. Schemes24 does not act as a broker, does not charge brokerage to Users, and does not provide any real-estate, legal, financial, investment, or tax advice, and nothing on the Platform shall be construed as such advice or as a solicitation, offer, or recommendation to purchase, book, or invest in any project. You must independently verify RERA registration, title, ownership, statutory approvals, pricing, carpet area, and all particulars directly with the Builder or Broker and with your own independent professional advisers before making any payment or commitment. Schemes24 is not a party to and assumes no responsibility for any dealing, negotiation, agreement, or dispute between you and any Builder or Broker.

7. How Inquiries Work and Consent to Contact

When you submit an inquiry through the Platform, your inquiry is received, qualified, and routed by Schemes24's internal sales team, and thereafter the relevant Builder and/or Broker may contact you directly to progress your interest. By submitting an inquiry or otherwise providing your contact details, you expressly consent to being contacted by Schemes24 and by the applicable Builders and Brokers by telephone call, SMS, email, WhatsApp, and other electronic means for purposes relating to your inquiry and the Services. You agree that this consent shall override any registration you may have under the Do Not Disturb (DND) registry or the National Do Not Call (NDNC) registry, to the maximum extent permitted by applicable law, and you waive any claim in this regard. This consent shall remain valid until you withdraw it in writing to the Grievance Officer, after which Schemes24 will act upon your request within a reasonable time as required by law.

8. User Obligations and Independent Due Diligence

You agree to use the Platform only for lawful purposes and in accordance with these Terms, and to provide accurate and truthful information at all times. You are solely responsible for conducting your own independent due diligence on any project, Builder, or Broker, including verifying RERA registration, title, approvals, encumbrances, pricing, area, quality, timelines, and all other particulars, and for engaging your own advocates, chartered accountants, and other advisers before paying or committing any sum. You acknowledge that Schemes24's limited operational document check is provided for convenience only and is not a substitute for such independent verification. You shall be solely responsible for all decisions, transactions, and commitments you make with any Builder or Broker, and Schemes24 shall bear no liability in respect thereof.

9. Prohibited Conduct

You agree not to engage in any conduct that is unlawful, fraudulent, abusive, or that interferes with the proper functioning or security of the Platform. Without limitation, you shall not scrape, crawl, harvest, index, or extract data from the Platform by automated or manual means; impersonate any person or entity or misrepresent your affiliation; upload or transmit any false, defamatory, obscene, infringing, or unlawful content; introduce viruses, malware, or other harmful code; attempt to gain unauthorised access to any part of the Platform or its systems; or use the Platform to send spam or to circumvent the inquiry-routing mechanics. You further agree not to use the Platform in any manner that violates any applicable law, rule, or regulation, or that infringes the rights of Schemes24 or any third party. Schemes24 reserves the right to investigate and take appropriate action, including reporting to law-enforcement authorities and terminating your access, in respect of any suspected violation.

10. Intellectual Property and Limited Licence

The Platform, including its software, source code, design, layout, graphics, logos, trademarks, service marks, trade names, and all other materials created by or for Schemes24 (excluding Builder- and Broker-supplied Content), is the exclusive property of the Company or its licensors and is protected by applicable intellectual property laws. Subject to your compliance with these Terms, Schemes24 grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, and revocable licence to access and use the Platform for your own lawful, non-commercial purposes. You acquire no right, title, or interest in or to the Platform or its intellectual property other than the limited licence expressly granted herein. You shall not copy, reproduce, modify, distribute, reverse-engineer, create derivative works from, or otherwise exploit any part of the Platform without the prior written consent of the Company.

11. Third-Party Links and Services

The Platform may contain links to, or integrations with, third-party websites, applications, or services, including those of Builders, Brokers, and other service providers. Such links and integrations are provided for your convenience only, and Schemes24 does not control, endorse, or assume any responsibility for the content, products, services, privacy practices, or availability of any third-party website or service. Your access to and use of any third-party website or service is entirely at your own risk and is governed by the terms and policies of that third party. Schemes24 shall not be liable for any loss or damage arising from your use of, or reliance on, any third-party website, service, or content.

12. Disclaimers of Warranties

The Platform, the Services, and all Content are provided on an "AS IS" and "AS AVAILABLE" basis, without any warranty, representation, or condition of any kind, whether express, implied, or statutory, to the maximum extent permitted by applicable law. Schemes24 expressly disclaims all warranties, including any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, reliability, and uninterrupted or error-free operation. Schemes24 does not warrant that the Platform will be secure, available at any particular time or location, free of viruses or harmful components, or that any defects will be corrected, nor does it warrant the accuracy, completeness, legality, or availability of any project, Content, Builder, or Broker. You acknowledge that your use of the Platform and any reliance on Content is entirely at your own risk.

13. Limitation of Liability

To the maximum extent permitted by applicable law, Schemes24 and its affiliates, directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profit, goodwill, data, opportunity, or anticipated savings, arising out of or in connection with your use of or inability to use the Platform, the Services, or any Content, whether based on contract, tort, negligence, strict liability, or otherwise. Schemes24 shall not be liable for any act, omission, fraud, misrepresentation, default, delay, defect, or dispute of any Builder, Broker, User, or other third party. To the maximum extent permitted by applicable law, the aggregate liability of Schemes24 arising out of or in connection with these Terms or your use of the Platform shall in no event exceed the lower of Indian Rupees One Thousand (INR 1,000) or the total fees, if any, actually paid by you to Schemes24 in the three (3) months immediately preceding the event giving rise to the claim. Nothing in these Terms shall exclude or limit any liability that cannot be excluded or limited under applicable law, including liability for gross negligence or wilful misconduct, or any statutory rights available to you as a consumer.

14. Indemnification

You agree to indemnify, defend, and hold harmless Schemes24 and its affiliates, directors, officers, employees, and agents from and against any and all claims, demands, actions, proceedings, losses, liabilities, damages, costs, and expenses, including reasonable legal fees, arising out of or in connection with your use of the Platform, your breach of these Terms, your violation of any applicable law or the rights of any third party, or any transaction, dealing, or dispute between you and any Builder, Broker, or other third party. This indemnity shall survive the termination of these Terms and your use of the Platform. Schemes24 reserves the right, at its own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which event you shall cooperate fully with Schemes24. You shall not settle any such matter without the prior written consent of Schemes24.

15. Suspension and Termination

Schemes24 may, in its sole discretion and without prior notice or liability, suspend, restrict, or terminate your access to the Platform or any part thereof, for any reason, including any actual or suspected violation of these Terms or applicable law. Upon termination, your right to use the Platform shall immediately cease, and any provisions of these Terms which by their nature should survive termination shall so survive. You may discontinue using the Platform at any time. Schemes24 shall not be liable to you or to any third party for any suspension, restriction, or termination of your access to the Platform.

16. Force Majeure

Schemes24 shall not be liable for any failure or delay in the performance of its obligations under these Terms to the extent such failure or delay is caused by any event beyond its reasonable control. Such events include, without limitation, acts of God, natural disasters, floods, fires, earthquakes, epidemics or pandemics, war, terrorism, civil unrest, governmental action or restriction, changes in law, strikes, labour disputes, power or telecommunications failures, internet or hosting-provider outages, cyber-attacks, and any other force majeure event. During the continuance of any such event, Schemes24's obligations shall be suspended, and Schemes24 shall not be deemed to be in breach of these Terms. Schemes24 shall use reasonable efforts to resume performance as soon as practicable following the cessation of the force majeure event.

17. Governing Law, Jurisdiction and Arbitration

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict-of-laws principles. Subject to the arbitration provisions below, the courts at Surat, Gujarat shall have exclusive jurisdiction over any dispute arising out of or in connection with these Terms or your use of the Platform. Any dispute, controversy, or claim arising out of or relating to these Terms, including its existence, validity, interpretation, performance, breach, or termination, shall be referred to and finally resolved by arbitration by a sole arbitrator conducted in accordance with the Arbitration and Conciliation Act, 1996, as amended from time to time. The seat and venue of arbitration shall be Surat, Gujarat, and the language of the arbitration shall be English; the award rendered by the sole arbitrator shall be final and binding on the parties.

18. Grievance Redressal

In accordance with the Information Technology Act, 2000 and the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, Schemes24 has appointed a Grievance Officer to address complaints regarding the Platform or any Content. Any grievance may be submitted in writing to the Grievance Officer, [●], at grievance@schemes24.com, and must include sufficient particulars to identify the complainant and the nature of the grievance. The Grievance Officer shall acknowledge receipt of the complaint within twenty-four (24) hours and shall endeavour to resolve it within fifteen (15) days of receipt, in accordance with applicable law. This grievance mechanism is provided for the redressal of complaints and does not derogate from any other remedy available to you under law.

19. Changes to These Terms

Schemes24 reserves the right to modify, amend, or update these Terms at any time in its sole discretion, and any such changes shall be effective upon posting of the revised Terms on the Platform, unless otherwise stated. Where required by applicable law, Schemes24 will provide notice of material changes. It is your responsibility to review these Terms periodically to remain informed of any updates. Your continued access to or use of the Platform after any change to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must discontinue using the Platform.

20. Miscellaneous

These Terms, together with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Schemes24 with respect to your use of the Platform and supersede all prior or contemporaneous understandings. If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it enforceable. No failure or delay by Schemes24 in exercising any right shall operate as a waiver thereof, and no single or partial exercise shall preclude any further exercise. You may not assign or transfer your rights or obligations under these Terms without the prior written consent of Schemes24, whereas Schemes24 may freely assign these Terms; all notices to you may be given by posting on the Platform or by electronic communication to the details you have provided, and provisions which by their nature should survive termination shall so survive.

21. Contact

If you have any questions, concerns, or feedback regarding these Terms or the Platform, you may contact Schemes24 at the registered address of the Company, [●], or by email at grievance@schemes24.com. For grievances specifically, please contact the Grievance Officer as set out in the Grievance Redressal section above. Schemes24 will endeavour to respond to your communication within a reasonable time. The operating entity of the Platform is Schemes24 (operated by [●]), bearing CIN/GST [●].