1.1 What Settlewise is

Settlewise is a technology platform used for efficiently renting and leasing residential, commercial, industrial and agricultural spaces across India without paying any undeserving brokerage fees.

1.2 Role of Settlewise

Settlewise:

• acts primarily as a marketplace for connecting landlords and tenants;
• acts secondarily as an intermediary to facilitate communication, KYC, and certain payment and documentation tools;
• is not a broker, agent, property dealer, or representative of either party; and
• is not a party to any rental, lease, or licence agreement between users.

1.3 No Brokerage – Only Platform Fees

Settlewise does not charge brokerage. We may charge subscription fees, listing fees, platform/service fees, and paid feature fees ("Platform Fees"). Our revenue model may evolve, and future models may be introduced, but Settlewise will not charge "brokers' commission" as traditionally understood.

1.4 Territory

The Platform is accessible Pan India, with an initial focus on Tier 1 cities. The Target user base is nationwide, but the governing law and jurisdiction remain as defined in Section 28 below.

2.1 When you:

• install or access the app,
• sign up or create an account,
• click "I Agree", "Sign Up", "Register", "Continue" or similar, or
• continue using the Platform after an update,

you are deemed to have read, understood and accepted these Terms and our Privacy Policy.

2.2 You acknowledge that this T&C is not the Rent Agreement.

Separate rent/lease agreements will govern individual transactions between landlords and tenants.

3.1 You must:

• be at least 18 years old;
• be legally capable under the Indian Contract Act, 1872; and
• not be disqualified or prohibited under any law,

to use the Platform as a registered user.

3.2 Minor / legally incapable users

Minors or otherwise legally incapable persons are not permitted to create accounts or be parties to rental transactions on the Platform. They will be filtered out through KYC requirements and may not lawfully use Settlewise to enter binding agreements.

4.1 Account Creation

To use the Platform, you must create an account with accurate, complete, and current information. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.

4.2 KYC Verification

Settlewise requires KYC (Know Your Customer) verification for all users before conducting transactions. You agree to provide genuine documents and information as per our KYC policy.

5.1 Permitted Use

You agree to use the Platform lawfully, ethically, and in accordance with these Terms for legitimate property rental and leasing purposes only.

5.2 Prohibited Activities

• Posting false, misleading, or fraudulent property listings or personal information
• Engaging in harassment, abuse, or threatening behavior toward other users
• Attempting to circumvent Platform security or access unauthorized areas
• Using bots, scrapers, or automated tools without permission
• Posting spam, malware, or any harmful content
• Attempting to conduct transactions outside the Platform to evade Platform Fees

6.1 Settlewise IP

All content, code, design, trademarks, and intellectual property on the Platform are owned by Settlewise or licensed to us. You may not reproduce, modify, or distribute any Platform IP without express permission.

6.2 User Content License

By uploading property photos, descriptions, or other content to the Platform, you grant Settlewise a non-exclusive, royalty-free, worldwide license to use, reproduce, and display such content for Platform purposes.

7.1 AS-IS Platform

The Platform is provided on an 'AS-IS' and 'AS-AVAILABLE' basis. Settlewise disclaims all warranties, express or implied, regarding the Platform, Services, or content.

7.2 No Liability for Disputes

Settlewise is not a party to landlord-tenant disputes, rental agreements, or payment transactions. We are not liable for disputes, losses, or damages arising from such matters.

8.1 Your Indemnity Obligation

You agree to indemnify, defend, and hold harmless Settlewise, its affiliates, officers, directors, and employees from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Platform, violation of these Terms, or violation of any applicable law.

9.1 Privacy Policy

Your use of the Platform is subject to our Privacy Policy. Please review it separately for information about how we collect, use, and protect your data.

10.1 Platform Fees

Settlewise may charge Platform Fees for subscription, listing, or premium features. All fees are non-refundable unless otherwise specified. Current fees are displayed during checkout.

10.2 Taxes

You are responsible for payment of any applicable taxes, duties, or levies in connection with Platform Fees, unless we are expressly required to collect them on your behalf.

11.1 Termination by You

You may terminate your account at any time by contacting our support team or using the account deletion feature in the app.

11.2 Termination by Settlewise

Settlewise may terminate or suspend your account immediately if you violate these Terms, engage in fraud, or conduct illegal activities. Termination does not relieve you of obligations incurred before termination.

12.1 External Links

The Platform may contain links to third-party websites, apps, or services. Settlewise is not responsible for third-party content, terms, or practices. Use such services at your own risk.

13.1 Customer Support

• Email: team@settlewise.in
• Phone: +91 99988 22554
• In-app support feature

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.

14.2 Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, shall be settled by arbitration in accordance with the Arbitration and Conciliation Act, 2015, as amended from time to time.

The arbitration shall be conducted by a sole arbitrator appointed by mutual consent of the parties, or in the absence of such consent, by the courts at Gandhinagar/Ahmedabad, Gujarat. The seat of arbitration shall be Gandhinagar, Gujarat, and the language of arbitration shall be English.

The parties agree that the award of the arbitrator shall be final and binding. Nothing in this clause shall prevent Settlewise from approaching:

• the courts at Gandhinagar/Ahmedabad, Gujarat, or
• any other court of competent jurisdiction

for interim, injunctive, or equitable relief, including orders to protect the Platform, data, intellectual property, or prevent misuse or fraud.

14.3 Jurisdiction of Courts

Subject to the arbitration clause above, the courts at Gandhinagar/Ahmedabad, Gujarat shall have exclusive jurisdiction over:

• any proceedings related to the arbitration,
• interim or emergency relief applications, and
• any dispute not arbitrable in law.

The parties expressly agree that no other court, forum, or jurisdiction shall have authority over such matters.

15.1 Entire Agreement

These Terms, together with the Privacy Policy and any specific product terms, constitute the entire agreement between you and Settlewise concerning the Platform.

15.2 Severability

If any provision is held invalid or unenforceable, the remaining provisions shall continue in full force. The invalid provision shall be replaced with a valid one most closely reflecting the original intent.

15.3 No Waiver

Failure or delay in exercising any right under these Terms does not constitute a waiver. A waiver must be in writing.

15.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. Settlewise may freely assign or transfer its rights and obligations to any affiliate or successor.

15.5 Notices

Official notices to Settlewise must be in writing to our registered address or notified email. Notices to you may be sent via app notification, email, SMS, or posted on the Platform.

15.6 Relationship

Nothing in these Terms creates any partnership, joint venture, employer-employee, or agency relationship between you and Settlewise.

15.7 Grievance Redressal

In accordance with Applicable Laws, Settlewise has established a Grievance Redressal mechanism to address user complaints and concerns relating to the Platform, Services, data usage, or these Terms.

Users may contact the Grievance Redressal Officer at:

• Contact: +91 99988 22554
• Email: team@settlewise.in
• Address: 127, Shree Rang Plaza-95, Gandhinagar Bypass Road, Randesan, Gandhinagar - 382426, Gujarat, India

Settlewise shall make reasonable efforts to acknowledge and resolve grievances within 15 working days of receipt. The grievance mechanism is limited to platform-related issues and does not involve adjudication of landlord-tenant disputes.

16.1 Right to Amend

Settlewise reserves the sole and absolute right to add, modify, amend, suspend, or delete any part of these Terms & Conditions, the Privacy Policy, or any feature of the Platform at any time, with or without prior notice, at its discretion.

16.2 Communication of Changes

Settlewise may notify Users of changes through any of the following methods:

• updating the "Last Updated" date at the top of these Terms;
• displaying an in-app or website notification/pop-up;
• sending an email, SMS, or alert (where feasible);
• requiring renewed acceptance through a clickwrap prompt for material changes.

You agree that such methods are sufficient and valid notice of amendments.

16.3 Binding Nature of Amendments

All amendments become effective immediately upon being posted or published on the Platform, unless a later effective date is specified.

Your continued access or use of the Platform after such changes constitutes:

• your acknowledgment of the updated Terms, and
• your agreement to be bound by them.

17.1 No Liability for Force Majeure

Settlewise shall not be liable in any manner whatsoever for any failure, delay, interruption, suspension, or inability to provide the Platform or any Services, whether in whole or in part, if such failure or delay is caused, directly or indirectly, by a Force Majeure Event.

17.2 Broad Definition of Force Majeure

Force Majeure Events include, without limitation:

• acts of God, natural calamities, floods, lightning, earthquakes, cyclones, storms;
• fire, explosions, electrical failures, accidental infrastructure damage;
• epidemics, pandemics, contagious disease outbreaks, quarantines, or public health emergencies;
• war, invasion, armed conflict, civil unrest, riots, insurrection, terrorism, sabotage;
• governmental orders, regulatory changes, bans, restrictions, judicial directives, investigations, or new compliance requirements affecting operations;
• failures of utilities, power grid disruptions, server crashes, DNS failures, systemic internet breakdowns;
• cyber-attacks, hacking, ransomware, malware, unauthorized access, denial-of-service attacks, or any other digital security incident;
• labor disputes, strikes, lockouts, or industrial disturbances not attributable to Settlewise;
• failures, downtime, or non-performance of third-party service providers, including cloud hosts, payment gateways, KYC partners, telecom partners, or integrated platforms;
• any event making performance commercially impracticable, unsafe, unlawful, or impossible in Settlewise's reasonable opinion.