Terms and Conditions

Terms and Conditions

Welcome to the terms and conditions (“Terms”) of schememate.com. These Terms apply to the use of the website, services, and products offered by https://schememate.com/.

When you use our website or services, you are agreeing to follow these rules. Make sure you read them carefully before using the site. If you don’t like any of these rules, please don’t use the website or our services.

Introduction

schememate.com operates the website https://schememate.com/, providing various services and products through an e-commerce platform.

By using our website and services, you accept these Terms and agree to be legally bound by them, including any additional terms and conditions and policies referenced herein and/or available by hyperlink.

We reserve the right to change or modify these Terms at any time, without prior notice. By continuing to use our services after any such modification, you agree to be bound by the revised Terms.

Services and Products

schememate.com offers a range of insurance-related products and services, including but not limited to:

• Insurance policies for various purposes
• Claim filing and processing services!
• Consultation services for insurance-related queries
• Educational materials on insurance and related topics

The services and products offered may vary from time to time, and we reserve the right to modify, discontinue, or introduce new services or products without prior notice.

All products and services are subject to availability and may be subject to change without notice.

Cookies

We employ the use of cookies. By accessing https://schememate.com/, you agree to use cookies in agreement with the https://schememate.com/ Privacy Policy.

Most interactive websites use cookies to let us retrieve the user’s details for each visit. Cookies are used by our website to enable the functionality of certain areas to make it easier for people visiting our website. Some of our affiliate/advertising partners may also use cookies.

User Eligibility

By accessing or using our website and services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a contract.

If you are accessing or using our website on behalf of a company, entity, or organization, you represent and warrant that you have the authority to bind such entity to these Terms.

License

Unless otherwise stated, schememate.com and/or its licensors own the intellectual property rights for all material on schememate.com. All intellectual property rights are reserved. You may access this from schememate.com for your personal use subject to restrictions set in these terms and conditions.

You must not:

• Republish material from the schememate.com
• Sell, rent, or sub-license material from the schememate.com
• Reproduce, duplicate, or copy material from the schememate.com
• Redistribute content from the schememate.com

This Agreement shall begin on the date hereof.

Parts of this website offer an opportunity for users to post and exchange opinions and information in certain areas of the website. schememate.com does not filter, edit, publish, or review Comments before their presence on the website. Comments do not reflect the views and opinions of schememate.com, its agents, and/or affiliates. Comments reflect the views and opinions of the person who posts their views and opinions. To the extent permitted by applicable laws, schememate.com shall not be liable for the Comments or any liability, damages, or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

schememate.com reserves the right to monitor all Comments and to remove any Comments that can be considered inappropriate, offensive, or cause a breach of these Terms and Conditions.

You warrant and represent that:

• You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
• The Comments do not invade any intellectual property right, including without limitation copyright, patent, or trademark of any third party;
• The Comments do not contain any defamatory, libelous, offensive, indecent, or otherwise unlawful material which is an invasion of privacy
• The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant schememate.com a non-exclusive license to use, reproduce, edit, and authorize others to use, reproduce, and edit any of your Comments in any form, format, or media.

Hyperlinking to our Content

The following organizations may link to our Website without prior written approval:

• Government agencies;
• Search engines;
• News organizations;
• Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and
• System-wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications, or other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party’s site.

We may consider and approve other link requests from the following types of organizations:

• commonly-known consumer and/or business information sources;
• dot.com community sites;
• associations or other groups representing charities;
• online directory distributors;
• internet portals;
• accounting, law, and consulting firms; and
• educational institutions and trade associations.

We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of schememate.com; and (d) the link is in the context of general resource information.

These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to schememate.com. Please include your name, your organization name, and contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.

Approved organizations may hyperlink to our Website as follows:

• By use of our corporate name; or
• By use of the uniform resource locator being linked to; or
• By use of any other description of our Website being linked to that makes sense within the context and format of content on the linking party’s site.

No use of the schememate.com logo or other artwork will be allowed for linking absent a trademark license agreement.

Account Registration

To access certain services and features, you may be required to create an account on our website.

You agree to give correct, up-to-date, and full information during the registration. You also promise to update this information to keep it correct, up-to-date, and complete.

It’s your responsibility to keep your account and password confidential and to limit who can access your account.

iFrames

Without prior approval and written permission, you may not create frames around our web pages that alter in any way the visual presentation or appearance of our Website.

Use of Website

1. You agree to use the website and services only for lawful purposes and by these Terms.
2. You agree not to use the website in any way that could damage, disable, overburden, or impair the website or interfere with any other party’s use of the website.
3. You agree not to use any device, software, or routine to interfere or attempt to interfere with the proper working of the website.

Intellectual Property

The content on our website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of schememate.com and is protected by copyright laws.

You agree not to reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without the prior written consent of schememate.com.

Payments

1. Payments for products and services offered by schememate.com are to be made through the methods specified on the website.
2. By providing payment information, you represent and warrant that you have the legal right to use the payment method provided.
3. All payments are non-refundable, except as expressly stated in our refund policy.

Privacy

We respect the privacy of our users. Please refer to our Privacy Policy for information on how we collect, use, and disclose information from our users.

Content Liability

We shall not be held responsible for any content that appears on your Website. You agree to protect and defend us against all claims that are rising on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene, or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Limitation of Liability

To the maximum extent permitted by law, https://schememate.com/ and its affiliates, officers, directors, employees, agents, and partners shall not be liable for any indirect, incidental, special, or consequential.

This includes punitive damages, such as loss of profits, goodwill, use, data, or other non-tangible losses, among other possible damages.

Reservation of Rights

We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

Removal of links from our website

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us at any moment. We will consider requests to remove links but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

Governing Law

These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed under the laws of [State/Country], without regard to its conflict of law provisions.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

• limit or exclude our or your liability for death or personal injury;
• limit or exclude our or your liability for fraud or fraudulent misrepresentation;
• limit any of our or your liabilities in any way that is not permitted under applicable law; or
• Exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort, and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

Contact Information

If you need clarification about these Terms, please reach out to us at the following contact:

schememate.com

Website: https://schememate.com/

Email: [sainis.vaibhav@outlook.com]

By accessing or using the https://schememate.com/ website https://schememate.com/, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.