Terms of Service

These Terms of Service (“Terms”) govern your use of schemesinindia.in(the “Site”), operated by the Schemes In India team (“we”, “us”, “our”), based in Pune, Maharashtra, India. By accessing or using this Site, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use this Site.

These Terms are entered into under the Indian Contract Act, 1872, and the Information Technology Act, 2000 (and the rules and regulations made thereunder), including the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021.

1. Acceptance of Terms

By visiting schemesinindia.in, browsing any pages, or using any features of the Site, you confirm that you have read, understood, and accepted these Terms of Service, ourPrivacy Policyand ourDisclaimer. These Terms form a legally binding agreement between you and Schemes In India, and apply to all visitors, users, and others who access or use the Site.

2. Eligibility

You must be at least 18 (eighteen) years of age and competent to enter into a legally binding contract under the Indian Contract Act, 1872, to use this Site. By using the Site, you represent and warrant that you meet these eligibility requirements. If you are below 18, you may only use the Site under the supervision of a parent or legal guardian who agrees to be bound by these Terms on your behalf.

3. Permitted Use

The Site is provided for informational and personal, non-commercial use only. You may:

• Browse and read information about government schemes, eligibility, and benefits
• Use the scheme-finder tool to identify schemes you may qualify for
• Read news articles, original analysis, examples, and tips published on the Site
• Access document checklists and application guides for your own use
• Share scheme information with friends and family for non-commercial purposes

4. Prohibited Use

You agree that you will not:

• Scrape, crawl, harvest, or bulk-download content or data from the Site by any automated means
• Use bots, spiders, scripts, or any automated access tools without our prior written permission
• Impersonate, or attempt to create the impression that you represent, any government body, ministry, department, or official, or that this Site is an official government portal
• Use the Site’s name, branding, or any of its content in a manner that is misleading, deceptive, or likely to cause confusion with a government source
• Post, submit, transmit, or otherwise make available — via comments, contact forms, or any other interactive feature — any content that is unlawful, harmful, defamatory, obscene, harassing, threatening, hateful, infringing, fraudulent, or that violates any applicable Indian law including the Information Technology Act, 2000 and rules thereunder
• Reproduce, republish, or redistribute substantial portions of our content without written permission
• Interfere with, disrupt, or attempt to gain unauthorised access to the Site, its servers, or any connected networks
• Use the Site for any commercial purpose, including resale or commercial republication of our content

5. Intellectual Property

All original content on the Site — including articles, guides, original analysis, worked examples, tips, descriptions, FAQs, the scheme-finder logic, layouts, design, graphics, and editorial commentary — is © Schemes In India, 2025–2026, and is protected by the Indian Copyright Act, 1957, and other applicable intellectual property laws. All rights are reserved unless expressly granted in these Terms.

You may quote short excerpts with clear attribution and a link back to the source page on schemesinindia.in. Any other reproduction, distribution, modification, or commercial use requires our prior written consent.

Government scheme names, official scheme details, logos, emblems, and content sourced from gov.in domains remain the property of the respective government bodies, ministries, or departments and are referenced on the Site for informational and educational purposes only. Nothing on the Site shall be construed as granting any right or licence in such government materials.

6. Third-Party Services and Links

The Site contains links to external websites, including official Indian government portals (e.g., pmkisan.gov.in, ayushmanbharat.mygov.in, scholarships.gov.in, mhada.gov.in) and third-party services. These links are provided for your convenience only. We do not control, endorse, or assume responsibility for the content, accuracy, availability, terms, or privacy practices of any third-party website or service. Your use of any such third-party site is at your own risk and subject to that site’s own terms and privacy policy.

7. Advertising

The Site is supported by display advertising, primarily through Google AdSense, and may from time to time contain affiliate links. Advertisements are served by third parties and may use cookies and similar technologies as described in ourPrivacy Policy. We do not endorse advertised products or services, and their appearance on the Site does not constitute a recommendation. Our editorial content is independent of advertisers.

8. Disclaimer of Warranties

The Site and all content on it are provided on an “AS IS” and “AS AVAILABLE” basis, without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, reliability, timeliness, or uninterrupted availability. Government schemes change frequently; eligibility, benefits, deadlines, and procedures may be revised by the government at any time. Always verify the latest details on the official government portal before submitting any application or making any financial decision. Nothing on the Site constitutes legal, financial, tax, or professional advice.

9. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Schemes In India or the operator of the Site be liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages — including loss of profits, data, goodwill, missed scheme deadlines, rejected applications, or any financial loss — arising out of or in connection with your use of, or inability to use, the Site, even if advised of the possibility of such damages.

Because the Site is a free, information-only resource and you pay nothing to access it, our aggregate liability to you for any and all claims arising out of or relating to these Terms or your use of the Site shall not exceed ₹0 (Indian Rupees Zero).

10. Indemnification

You agree to defend, indemnify, and hold harmless Schemes In India, and the operator of the Site, from and against any and all claims, demands, actions, liabilities, losses, damages, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your use or misuse of the Site; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) your infringement of any third-party right, including any intellectual property or privacy right.

11. Dispute Resolution

Any dispute, controversy, or claim arising out of or in connection with these Terms, or your use of the Site, shall first be resolved by good-faith negotiation between the parties. Failing such resolution within thirty (30) days, the dispute shall be referred to and finally resolved by arbitration in Pune under the Arbitration and Conciliation Act, 1996, with a sole arbitrator appointed by mutual agreement of the parties. The seat and venue of arbitration shall be Pune, Maharashtra. The language of the arbitration shall be English. The award of the arbitrator shall be final and binding on the parties.

12. Changes to These Terms

We may modify or update these Terms at any time in our sole discretion. Changes will be posted on this page with a revised “Last updated” date and shall be effective immediately upon posting. Your continued use of the Site after any such change constitutes your acceptance of the updated Terms. We encourage you to review this page periodically.

13. Termination

We reserve the right, in our sole discretion and without notice, to suspend, restrict, or terminate your access to all or any part of the Site at any time, for any reason, including breach of these Terms. Upon termination, the provisions of these Terms which by their nature should survive termination (including, without limitation, intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, and governing law) shall continue in full force and effect.

14. Severability

If any provision of these Terms is held by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be severed or modified to the minimum extent necessary, and the remaining provisions of these Terms shall continue in full force and effect.

15. Governing Law and Jurisdiction

These Terms are governed by and shall be construed in accordance with the laws of India. Subject to the arbitration clause in Section 11, the courts at Pune, Maharashtra, India shall have exclusive jurisdiction over any dispute arising out of or relating to these Terms or your use of the Site.

16. Contact

For any questions, notices, or concerns relating to these Terms, please write to us at contact@schemesinindia.in or via ourcontact page. We aim to respond within 48 hours.