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Terms of Service

Last Updated: May 30, 2026 | Effective Date: May 30, 2026

IMPORTANT: Please read these Terms of Service carefully before using the REDS platform. By accessing or using our services, you agree to be bound by these terms. If you do not agree, do not use our services.

⚠️ NO REFUND & NO CANCELLATION POLICY: REDS is a digital subscription-based service where the entire value of the subscription is delivered to the User at the moment of activation itself. Accordingly, ALL PAYMENTS ARE FINAL, NON-REFUNDABLE, AND NON-CANCELLABLE once your subscription is activated. By subscribing, you expressly waive any right to refund or cancellation for any reason whatsoever, including but not limited to non-usage, dissatisfaction, change of mind, or downgrade requests. Please review Section 8 — Refund and Cancellation Policy carefully before subscribing.

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

CRITICAL DISCLAIMER: REDS is an informational and analytical tool ONLY. We are NOT financial advisors, investment consultants, real estate agents, legal advisors, or tax consultants. Our services do not constitute professional advice of any kind.

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

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT:

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. Refund and Cancellation Policy (Subscription & Payments)

8.1 Subscription Plans and Pricing

8.1.1. REDS offers paid subscription plans (Basic at ₹2,999/year, Premium at ₹4,999/year, and Ultimate at ₹9,999/year) on an annual basis. All fees are quoted in Indian Rupees (INR) and are exclusive of applicable taxes (including GST), which shall be charged additionally as per prevailing rates.

8.1.2. Payments are processed through Razorpay, a secure third-party payment gateway authorised by the Reserve Bank of India. We do not store your payment card details, UPI credentials, or banking information on our servers. All payment data is handled directly by the payment gateway in compliance with PCI-DSS standards and RBI guidelines.

8.1.3. Upon successful payment and administrative approval, your subscription is activated and access to the subscribed plan's features is granted to you. Activation constitutes complete delivery of the Service for the subscription period purchased.

BY MAKING A PAYMENT TO REDS, YOU EXPRESSLY ACKNOWLEDGE, ACCEPT, AND AGREE TO THE FOLLOWING NO REFUND AND NO CANCELLATION POLICY. THIS POLICY IS BINDING, NON-NEGOTIABLE, AND HAS BEEN ACCEPTED BY YOU AS A PRE-CONDITION TO YOUR PURCHASE.

8.2 No Refund Policy

8.2.1. All payments made to REDS are final, non-refundable, and non-reversible from the moment the transaction is processed and the subscription is activated.

8.2.2. We do NOT offer refunds — whether full, partial, or pro-rata — under any circumstances, including but not limited to:

  1. Change of mind after subscribing;
  2. Non-usage or partial usage of the Platform during the subscription period;
  3. Dissatisfaction with calculations, projections, recommendations, or any other Platform output;
  4. Dissatisfaction with the user interface, performance, or features;
  5. Inability to access or use the Platform due to issues on the User's end (including but not limited to internet connectivity, device compatibility, browser incompatibility, or lack of technical knowledge);
  6. Downgrade of subscription plan during an active subscription period;
  7. Account suspension or termination due to violation of these Terms;
  8. Changes in your personal, financial, or professional circumstances;
  9. Decision to discontinue use of the Platform for any reason;
  10. Disagreement with calculations, market data, or any analytical output;
  11. Loss or unfavourable outcomes from any real estate or financial decisions made using the Platform;
  12. Temporary unavailability of the Platform due to scheduled maintenance, upgrades, or unforeseen technical issues of reasonable duration.

8.2.3. No refund will be issued for any unused portion of the subscription period, regardless of when you stop using the Platform.

8.3 No Cancellation Policy

8.3.1. As REDS is a digital service that grants instant and continuous access to proprietary tools, calculators, AI-powered features, and continually updated content from the moment of activation, subscriptions cannot be cancelled mid-term once activated.

8.3.2. You will retain access to your subscribed plan until the natural end of your subscription period (one year from the date of activation).

8.3.3. Non-renewal at the end of the subscription term will be treated as natural expiry of the subscription, not as a cancellation. No pro-rata refund or credit shall apply in such cases.

8.3.4. Requests to "cancel" a subscription will be interpreted as a request to not auto-renew (where applicable) and will not entitle the User to any refund of fees already paid.

8.3.5. The User may choose to stop using the Platform at any time; however, doing so does not create any right to a refund or to early termination of the subscription with monetary recovery.

📌 Why Value Is Derived on Activation Itself: Unlike physical goods or services rendered over time, REDS delivers its complete value at the moment of activation. The instant your subscription is active, you receive full and immediate access to our entire suite of proprietary tools, financial calculators, AI-powered insights, downloadable reports, premium content, and computational resources. There is no shipping, no waiting period, and no progressive delivery of value — the User can extract the entire commercial benefit of the subscription within minutes of activation. For this reason, and because each activation triggers irreversible allocation of server resources, AI tokens, and licensed third-party services on our end, the value transferred to the User on activation is final and complete, making refunds or cancellations technically and commercially impossible to reverse.

8.4 Rationale for No Refund & No Cancellation Policy

8.4.1. Instant and Complete Value Delivery on Activation: REDS provides instant, irrevocable access to proprietary financial tools, calculators, AI-powered insights, downloadable reports, and continually updated content. The very nature of our digital subscription service is such that the entire value of the subscription is derived by the User at the point of activation itself. Once activated, the User can immediately download reports, run unlimited calculations, generate analyses, and consume AI-powered insights — all of which are non-recoverable by REDS.

8.4.2. Irreversible Resource Allocation: Each subscription activation triggers immediate allocation of server resources, AI computation tokens (where applicable), licensed third-party API calls, and storage capacity that cannot be reclaimed once consumed.

8.4.3. Pricing Sustainability: This policy enables REDS to maintain affordable subscription pricing, continuously develop new features, invest in AI and computational resources, and provide quality support to all subscribers.

8.4.4. Pre-Purchase Evaluation: Users are strongly encouraged to evaluate the Platform thoroughly through publicly available information on our website, marketing demonstrations, and feature descriptions before making a payment decision. Any questions regarding features, suitability, or fit should be raised with our support team prior to purchase by writing to info2data2decision@gmail.com.

8.5 Limited Exceptions (Technical Failures Only)

8.5.1. The only exceptions to the No Refund Policy are the following technical-failure scenarios:

  1. Duplicate Payment: If you are charged twice for the same subscription due to a verified technical error of the payment gateway, the duplicate amount will be refunded after verification of payment gateway logs.
  2. Payment Charged Without Service Activation: If your payment is successfully captured but your account is never activated due to a confirmed system failure on our end (and not due to KYC rejection, admin disapproval, or violation of these Terms), a refund of the captured amount may be processed after verification.

8.5.2. How to Raise a Refund Request (Exceptional Cases Only):

  1. Email info2data2decision@gmail.com within seven (7) calendar days from the date of the transaction.
  2. Use the subject line: "Refund Request — Razorpay Transaction ID: [your transaction ID]".
  3. Attach the payment confirmation, Razorpay Order ID / Payment ID, registered email used during payment, and a clear description of the technical issue.
  4. We will acknowledge your request within 2 business days and provide a final decision within 5 business days of receiving complete information.
  5. If approved, the refund will be processed via the original payment method (i.e., back to the same card / UPI / net-banking account used for payment) within 5–7 business days from the date of approval. The actual credit to your account may depend on your bank's processing timelines.

8.5.3. Refund eligibility shall be determined solely by REDS based on transaction logs, gateway records, and verification of the claimed technical failure. Refund decisions communicated by REDS shall be final.

8.5.4. Requests received after the 7-day window, or for reasons not falling under Clause 8.5.1, shall be rejected without further consideration.

8.6 Chargebacks and Disputes

8.6.1. Users are encouraged to contact us directly at info2data2decision@gmail.com before initiating any chargeback through their bank or card issuer. We are committed to resolving any genuine payment disputes promptly and amicably.

8.6.2. Chargebacks initiated without prior communication, or filed in respect of legitimate, activated subscriptions, will be vigorously contested by REDS using the activation logs, IP records, usage logs, and the User's acceptance of this Refund and Cancellation Policy as evidence. Such User accounts may also be suspended pending dispute resolution.

8.7 Pricing Changes

8.7.1. We reserve the right to modify pricing of subscription plans at any time. Existing subscribers will continue at their current pricing until the end of their active subscription period and will be notified of any changes before renewal.

8.8 Contact for Refund & Cancellation Queries

REDS — Real Estate Decision Suite
Operated by: Data2Decision
Refund / Billing Email: info2data2decision@gmail.com
Support Email: info2data2decision@gmail.com
Response Time: Within 2 business days
Jurisdiction: Chandigarh, UT, India

8.9 Final Acknowledgment

BY COMPLETING YOUR PAYMENT, YOU CONFIRM THAT: (a) YOU HAVE READ, UNDERSTOOD, AND IRREVOCABLY AGREED TO THIS REFUND AND CANCELLATION POLICY; (b) YOU UNDERSTAND THAT THE FULL VALUE OF THE SUBSCRIPTION IS DELIVERED TO YOU AT THE POINT OF ACTIVATION; (c) YOU HAVE EVALUATED THE SERVICE TO YOUR SATISFACTION BEFORE MAKING THE PAYMENT DECISION; AND (d) YOU WAIVE ANY RIGHT TO DISPUTE THE CHARGES ON THE GROUNDS OF DISSATISFACTION, NON-USAGE, CHANGE OF MIND, OR ANY REASON OTHER THAN THE LIMITED EXCEPTIONS LISTED IN CLAUSE 8.5.

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 discontinue use of your account at any time by contacting us. However, in line with our No Refund and No Cancellation Policy (Section 8), no refunds shall be provided for any remaining subscription period, and discontinuation of use shall not constitute cancellation entitling you to any monetary recovery.

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:

REDS - Real Estate Decision Suite
Email: legal@realestatedecisionsuite.com
Jurisdiction: Chandigarh, UT, India

BY USING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.

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