Terms and Conditions

Last Updated: 18 January 2025

Welcome to CM Scheme! These Terms and Conditions (“Terms”) govern your use of our website, located at https://cmscheme.online (the “Site”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please discontinue use of the Site

Acceptance of Terms

By using the Site, you affirm that you are at least 18 years of age or have the consent of a legal guardian to use the Site. If you are using the Site on behalf of a company or organization, you represent and warrant that you have the authority to bind that entity to these Terms.

2. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. It is your responsibility to review these Terms periodically for updates. Continued use of the Site after changes are posted constitutes acceptance of the modified Terms.

3. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

Violate any applicable laws or regulations.
Attempt to gain unauthorized access to any part of the Site, its servers, or systems.
Transmit any harmful or disruptive code, including viruses, worms, or malware.
Engage in any activity that could interfere with the operation or security of the Site.

4. Intellectual Property

All content, trademarks, logos, and materials available on the Site are owned or licensed by CM Scheme. Unauthorized use, reproduction, or distribution of any material is strictly prohibited and may result in legal action.

5. User Accounts

If you create an account on the Site, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Notify us immediately if you suspect unauthorized use of your account.

6. Third-Party Links

The Site may contain links to third-party websites or services. CM Scheme is not responsible for the content, policies, or practices of any third-party websites. Accessing third-party links is at your own risk.

7. Disclaimers

The Site is provided on an “as-is” and “as-available” basis. CM Scheme disclaims all warranties, express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the Site will be error-free, secure, or uninterrupted.

8. Limitation of Liability

To the fullest extent permitted by law, CM Scheme and its affiliates will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site or inability to use the Site.

9. Indemnification

You agree to indemnify and hold harmless CM Scheme, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of your use of the Site or violation of these Terms.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Site will be subject to the exclusive jurisdiction of the courts located in [Your Jurisdiction].

11. Termination

We reserve the right to suspend or terminate your access to the Site at our discretion, without prior notice, for conduct that violates these Terms or is otherwise harmful to CM Scheme or other users.