Terms & Conditions

1. Acceptance of Terms

By accessing or using the YojnaHub website ("the Website"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must immediately stop using the Website.

2. License to Use

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for your personal, non-commercial informational purposes.

You agree that you will not:

• Modify, reverse engineer, or attempt to extract the source code of the Website or any part of it
• Copy, distribute, resell, or commercially exploit any part of the Website without written permission
• Remove or alter any copyright, trademark, or proprietary notices on the Website

3. Informational Purpose Only

This Website is designed exclusively for informational and educational purposes. The information provided about government schemes, policies, and programs is:

• Collected from publicly available sources
• Intended to raise awareness among citizens
• Not a substitute for official government communications
• Subject to verification from official sources

The Website does not process applications for schemes, provide any official government service, guarantee eligibility or benefits, or offer legal or financial advice.

4. No Official Affiliation or Endorsement

YojnaHub – Sarkari Yojana Information is not an official government website. We are not affiliated, associated, authorized, endorsed by, or in any way officially connected with the Government of India, any state government, ministry, department, or agency.

All names of schemes, ministries, departments, and government portals are used for informational and reference purposes only. All official actions must be taken through authorized government channels and official websites.

5. Accuracy and Currency of Information

While we make reasonable efforts to provide accurate and up-to-date information, we do not guarantee the completeness, accuracy, reliability, or timeliness of any information on this Website. In particular:

• Government schemes and policies may change, be updated, or be withdrawn without prior notice
• Eligibility criteria, benefits, and required documents may be revised by the government at any time
• Deadlines and application procedures may change or be extended by authorities

Users must verify all information directly from the relevant official government websites (such as domains ending with .gov.in or .nic.in) or concerned government offices before taking any action or decision.

6. User Responsibilities

As a user of this Website, you agree to:

• Verify all scheme details, eligibility, and benefits from official government sources
• Contact relevant government departments or offices for accurate and updated information
• Not rely solely on the information on this Website for important legal, financial, or official decisions
• Follow official application procedures and respect deadlines set by authorities
• Use the Website responsibly and ethically
• Not misuse, attack, or attempt to disrupt the Website or its services
• Report any inaccurate or outdated information to us at support@usekarlo.com

7. No Legal, Financial, or Professional Advice

The information provided on this Website does not constitute legal, financial, tax, or professional advice of any kind, and should not be treated as such.

Users should consult qualified professionals, such as legal advisors, financial consultants, tax practitioners, or authorized government officials, for specific advice or guidance related to their individual situation.

8. Limitation of Liability

To the maximum extent permitted by applicable law, UseKarLo Technologies and the YojnaHub team shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising out of or in connection with your use of, or inability to use, the Website or reliance on any information provided on it.

This includes, without limitation, any:

• Loss of benefits or missed opportunities related to government schemes
• Missed application deadlines or ineligibility for schemes
• Financial losses, lost income, or business interruption
• Errors, omissions, or inaccuracies in the content
• Data loss, technical issues, or Website unavailability

You use the Website entirely at your own risk.

9. Intellectual Property Rights

All content, features, and functionality available on the Website, including but not limited to text, layout, design, graphics, logos, icons, and the compilation of scheme information, are owned by UseKarLo Technologies or used with appropriate permission and are protected by applicable copyright, trademark, and other intellectual property laws.

You may not copy, reproduce, modify, distribute, or create derivative works from any part of the Website without our prior written consent, except as allowed by applicable law for personal, non-commercial use.

10. External Links and Third-Party Content

The Website may contain links to external or official government websites (for example, domains ending in .gov.in or .nic.in) and other third-party resources. These links are provided solely for user convenience and reference.

We do not:

• Control or operate any external websites
• Guarantee the accuracy, relevance, or completeness of content on external sites
• Endorse any products, services, or opinions mentioned on third-party sites
• Take responsibility for the availability, performance, or security of external websites

When you click on an external link, you are subject to the terms, conditions, and privacy policies of that external website. Accessing such links is at your own risk.

11. Advertising and Third-Party Services

By using this Website, you acknowledge and agree that we may display advertisements provided by third-party advertising networks (for example, Google AdSense/AdMob or similar providers) and may use third-party services such as OneSignal to deliver optional browser or device notifications about new content or important updates.

These third-party partners operate under their own terms and privacy policies, and may use cookies, device identifiers, IP address, and other technical information to show, measure, and improve ads or notifications. We do not control their systems and do not receive personally identifying information about you from them, other than aggregated or technical data as described in our Privacy Policy.

You may manage your preferences, such as limiting personalized advertising or disabling notifications, through your browser, device settings, or the controls provided by such third-party services. For more information about data practices, please refer to our Privacy Policy and the policies of the respective providers.

Hindi (हिन्दी में संक्षिप्त जानकारी): इस वेबसाइट पर तृतीय-पक्ष विज्ञापन नेटवर्क के माध्यम से विज्ञापन दिखाए जा सकते हैं और OneSignal जैसी सेवा के माध्यम से नोटिफिकेशन भेजे जा सकते हैं। ये सेवाएँ अपने नियमों और गोपनीयता नीतियों के अनुसार काम करती हैं, और आप अपने ब्राउज़र या डिवाइस की सेटिंग्स से विज्ञापन या नोटिफिकेशन से संबंधित विकल्प नियंत्रित कर सकते हैं।

12. Prohibited Uses

You agree not to use the Website for any unlawful or prohibited purpose, including but not limited to:

• Violating any applicable laws or regulations
• Infringing the intellectual property or privacy rights of others
• Introducing viruses, malware, or harmful code
• Attempting to gain unauthorized access to the Website or its servers
• Interfering with or disrupting the security or performance of the Website
• Using automated systems (such as bots or scrapers) to access the Website in a way that sends more requests than a human can reasonably produce

13. Changes to the Website

We reserve the right to modify, update, suspend, or discontinue any part or all of the Website at any time, with or without notice. We are not liable to you or any third party for any such modifications or discontinuation.

14. Changes to These Terms and Conditions

We may update or revise these Terms and Conditions from time to time to reflect changes in our practices, legal requirements, or for other operational reasons. Updated versions will be posted on this page with a revised "Last updated" date.

Your continued use of the Website after any such changes constitutes your acceptance of the updated Terms and Conditions. You are encouraged to review this page periodically.

15. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or relating to these terms or your use of the Website shall be subject to the exclusive jurisdiction of the competent courts in India.

16. Severability

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable, consistent with the original intent.

17. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and UseKarLo Technologies regarding your use of the YojnaHub Website and supersede any prior understandings or agreements on this subject.

18. Contact Information

If you have any questions, concerns, or feedback about these Terms and Conditions, you can contact us at:

Email: support@usekarlo.com

Developer: UseKarLo Technologies