Terms of Service

1. Definitions and Interpretation

In these Terms of Service, unless the context otherwise requires:

• "REDS" or "Platform" refers to the Real Estate Decision Suite, accessible at realestatedecisionsuite.com, including all associated services, applications, and tools.
• "Company," "We," "Us," "Our" refers to REDS and its proprietors, directors, officers, employees, and authorised representatives.
• "User," "You," "Your" refers to any individual or entity accessing or using the Platform.
• "Services" refers to all features, tools, calculators, analytics, and functionalities provided through the Platform.
• "Content" refers to all information, data, text, graphics, interfaces, and other materials on the Platform.
• "User Data" refers to information provided by Users, including property details, financial information, and personal data.

2. Acceptance of Terms

2.1. By accessing, browsing, or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.

2.2. These Terms constitute a legally binding agreement between you and REDS under the Indian Contract Act, 1872, and other applicable laws of India.

2.3. We reserve the right to modify these Terms at any time without prior notice. Continued use of the Platform after such modifications constitutes acceptance of the revised Terms.

2.4. You represent that you are at least 18 years of age and have the legal capacity to enter into binding contracts under Indian law.

3. Account Registration and Authorisation

3.1. Access to certain features requires account registration. You agree to provide accurate, current, and complete information during registration.

3.2. Admin Authorisation: All new accounts are subject to administrative review and approval. Access to the Platform will only be granted after successful authorisation by our administrators.

3.3. We reserve the absolute right to reject, suspend, or terminate any account at our sole discretion, without providing reasons or prior notice.

3.4. You are responsible for maintaining the confidentiality of your account credentials. Any activity under your account shall be deemed your responsibility.

3.5. You must immediately notify us of any unauthorised access or security breach related to your account.

4. Nature of Services

4.1. The Platform provides tools and calculators for:

• Property portfolio tracking and management
• EMI calculations and loan analysis
• Prepayment impact simulations
• Valuation tracking and CAGR calculations
• Comparison of payment plans
• Various real estate related calculators

4.2. All outputs, calculations, projections, and analyses are provided for informational purposes only and should not be relied upon as the sole basis for any financial, investment, or real estate decision.

5. Disclaimer of Financial Liability

5.1. No Financial Advice: Nothing on this Platform constitutes financial advice, investment advice, tax advice, legal advice, or any other form of professional advice. All information is provided for general informational purposes only.

5.2. Independent Decision Making: Any decisions you make based on information or calculations from the Platform are made entirely at your own risk and discretion. You are solely responsible for evaluating the accuracy, completeness, and usefulness of any information provided.

5.3. No Guarantee of Accuracy: While we strive to provide accurate calculations and information, we make NO WARRANTY OR GUARANTEE regarding:

• The accuracy, completeness, or reliability of any calculations
• Property valuations or appreciation projections
• Interest savings estimates
• EMI calculations or amortization schedules
• Any comparative analyses or recommendations

5.4. Market Risks: Real estate markets are subject to various risks including but not limited to market fluctuations, regulatory changes, economic conditions, and unforeseen circumstances. Past performance or projected calculations do not guarantee future results.

5.5. Professional Consultation: You are strongly advised to consult qualified professionals including chartered accountants, financial advisors, legal counsel, and certified real estate professionals before making any financial or investment decisions.

5.6. Absolute Limitation: UNDER NO CIRCUMSTANCES SHALL REDS, ITS PROPRIETORS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM:

• Your use of or reliance on the Platform or its calculations
• Any financial decisions made based on Platform information
• Investment losses or missed opportunities
• Inaccurate calculations or projections
• Any actions taken or not taken based on Platform outputs

6. Intellectual Property Rights

6.1. Ownership: All content, features, functionality, design, graphics, logos, trademarks, service marks, trade names, software, code, algorithms, databases, and the overall "look and feel" of the Platform are owned by REDS and are protected under:

• The Copyright Act, 1957 (India)
• The Trade Marks Act, 1999 (India)
• The Information Technology Act, 2000 (India)
• International intellectual property laws and treaties

6.2. Prohibited Actions: You are expressly prohibited from:

• Copying, reproducing, distributing, or creating derivative works of any Platform content
• Reverse engineering, decompiling, or disassembling any software or algorithms
• Removing, altering, or obscuring any copyright, trademark, or proprietary notices
• Using any data mining, robots, or similar data gathering tools
• Scraping, crawling, or otherwise extracting data from the Platform
• Using our trademarks, logos, or brand elements without written permission

6.3. Copyright Infringement: Any unauthorised use of our intellectual property constitutes copyright infringement and may result in:

• Immediate termination of your account without refund
• Civil action for damages under the Copyright Act, 1957
• Criminal prosecution under Section 63 of the Copyright Act (imprisonment up to 3 years and fine up to ₹2,00,000)
• Claims for injunctive relief and account of profits

7. User Obligations and Restrictions

7.1. You agree NOT to:

• Use the Platform for any unlawful purpose or in violation of any applicable laws
• Provide false, misleading, or fraudulent information
• Impersonate any person or entity or misrepresent your affiliation
• Interfere with or disrupt the Platform's operation or servers
• Attempt to gain unauthorised access to any part of the Platform
• Use the Platform to transmit malware, viruses, or harmful code
• Share your account credentials with third parties
• Use the Platform for commercial purposes without authorisation
• Resell, sublicense, or commercially exploit any Platform features

7.2. You are solely responsible for the accuracy and legality of all User Data you provide.

8. Subscription and Payments

8.1. Certain features require a paid subscription. All fees are quoted in Indian Rupees (INR) and are exclusive of applicable taxes.

8.2. Payments are processed through secure third-party payment gateways. We do not store your payment card details.

8.3. No Refund Policy: All payments are non-refundable except as required by applicable law. Subscription fees will not be refunded for:

• Partial use or non-use of the Platform
• Dissatisfaction with calculations or results
• Account suspension or termination due to Terms violation
• Changes in your personal circumstances

8.4. We reserve the right to modify pricing at any time. Existing subscribers will be notified of changes before their next billing cycle.

9. Data and Privacy

9.1. Your use of the Platform is also governed by our Privacy Policy, which is incorporated herein by reference.

9.2. You acknowledge that any financial or property data you provide is at your own risk.

9.3. We implement reasonable security measures but cannot guarantee absolute security of your data.

10. Limitation of Liability

10.1. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• The Platform is provided "AS IS" and "AS AVAILABLE" without warranties of any kind
• We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement
• Our total liability shall not exceed the amount paid by you for the Services in the 12 months preceding the claim
• We shall not be liable for any indirect, incidental, special, consequential, or punitive damages

10.2. Some jurisdictions do not allow limitation of liability. In such cases, our liability shall be limited to the minimum extent permitted by law.

11. Indemnification

11.1. You agree to indemnify, defend, and hold harmless REDS, its proprietors, directors, officers, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, and expenses (including legal fees) arising from:

• Your use of the Platform
• Your violation of these Terms
• Your violation of any third-party rights
• Any decisions or actions based on Platform information
• Any dispute with third parties related to your use of the Platform

12. Termination

12.1. We may terminate or suspend your access immediately, without prior notice, for any reason, including breach of these Terms.

12.2. Upon termination:

• Your right to use the Platform ceases immediately
• We may delete your account and User Data without liability
• Provisions that by their nature should survive will survive (including Sections 5, 6, 10, 11)

12.3. You may terminate your account by contacting us. No refunds will be provided for remaining subscription periods.

13. Governing Law and Jurisdiction

13.1. These Terms shall be governed by and construed in accordance with the laws of India.

13.2. Any disputes arising out of or relating to these Terms or the Platform shall be subject to the exclusive jurisdiction of the courts in Chandigarh, India.

13.3. Before initiating any legal proceedings, parties agree to attempt resolution through good-faith negotiation for a period of 30 days.

14. Dispute Resolution

14.1. Any dispute, controversy, or claim arising out of or relating to these Terms shall be settled by arbitration in accordance with the Arbitration and Conciliation Act, 1996.

14.2. The arbitration shall be conducted in English, in Chandigarh, India, by a sole arbitrator mutually appointed by the parties.

14.3. The arbitrator's decision shall be final and binding on both parties.

15. Miscellaneous

15.1. Entire Agreement: These Terms, along with the Privacy Policy, constitute the entire agreement between you and REDS.

15.2. Severability: If any provision is found invalid, the remaining provisions shall continue in full force.

15.3. Waiver: Failure to enforce any provision shall not constitute a waiver of that provision.

15.4. Assignment: You may not assign your rights under these Terms. We may assign our rights without restriction.

15.5. Force Majeure: We shall not be liable for delays or failures due to circumstances beyond our reasonable control.

15.6. Notices: All notices shall be in writing and sent to the email address associated with your account or published on the Platform.

16. Contact Information

For questions, concerns, or notices regarding these Terms, please contact: