Terms of Service
Last Updated: June 20, 2026
Agreement to Terms
By accessing or using SCHEMETA, you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree to these Terms, please do not use our platform. These Terms constitute a legally binding agreement between you and SCHEMETA.
Description of Service
SCHEMETA is an AI-powered banking scheme discovery platform that provides:
- •Access to information about banking loan schemes from partner institutions
- •AI-powered eligibility assessment and scheme recommendations
- •Comparison tools to evaluate different banking schemes
- •Rate alerts and notifications about scheme updates
- •Redirection to official bank websites for application submission
User Responsibilities
As a user of SCHEMETA, you agree to:
- •Provide accurate, complete, and current information
- •Maintain the security of your account credentials
- •Use the platform for lawful purposes only
- •Not attempt to circumvent security measures or exploit vulnerabilities
- •Not use automated tools to scrape or harvest data from the platform
- •Respect the intellectual property rights of SCHEMETA and third parties
Important Disclaimers
Not a Financial Advisor
SCHEMETA is not a financial advisor, lender, or bank. We do not provide financial advice, credit counseling, or loan brokerage services. All recommendations are based on algorithmic analysis and should not be considered professional financial advice.
No Guarantee of Approval
Eligibility assessments are estimates based on available information and do not guarantee loan approval. Final approval decisions are made solely by the banks based on their comprehensive evaluation criteria.
Information Accuracy
While we strive for accuracy, bank scheme details, interest rates, and eligibility criteria may change without notice. Users must verify all information directly with the respective bank before making financial decisions.
Third-Party Links
SCHEMETA provides links to third-party bank websites. We are not responsible for the content, policies, or practices of these external sites. Accessing third-party websites is at your own risk.
Limitation of Liability
To the maximum extent permitted by applicable law, SCHEMETA shall not be liable for:
- •Any indirect, incidental, special, or consequential damages
- •Loss of profits, data, or business opportunities
- •Decisions made based on information provided on the platform
- •Actions or inactions of partner banks or third-party service providers
- •Service interruptions or technical failures
In no event shall our total liability exceed the amount you paid, if any, to use our services in the twelve (12) months preceding the claim.
Intellectual Property
All content, features, and functionality of SCHEMETA, including but not limited to text, graphics, logos, software, and algorithms, are owned by SCHEMETA and are protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, modify, distribute, or create derivative works of any content from SCHEMETA without our express written consent. Bank names, logos, and scheme information are used with permission and remain the property of their respective owners.
Termination
We reserve the right to suspend or terminate your access to SCHEMETA at any time, with or without cause, with or without notice. Upon termination, your right to use the platform will immediately cease.
You may also terminate your account at any time by deleting your account through your profile settings or by contacting our support team.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these Terms or your use of SCHEMETA shall be subject to the exclusive jurisdiction of the courts in Mumbai, India.
Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of SCHEMETA after changes constitutes acceptance of the modified Terms. We will notify users of material changes via email or platform notification.
Contact Us
If you have any questions about these Terms of Service, please contact us:
Email: support@aiservices.codes
Platform: SCHEMETA
Effective Date: June 20, 2026