Terms & Conditions

These Terms & Conditions (“Terms”) govern your access to and use of the website futzen.in and any professional services offered by Futzen eTechnologies Pvt. Ltd. (“Futzen”, “we”, “us”, or “our”). By using our website or engaging our services, you agree to these Terms.

1. About Futzen

Futzen eTechnologies Pvt. Ltd. provides IT solutions and consulting, real estate advisory services, and insurance-related brokerage / facilitation services from Visakhapatnam, Andhra Pradesh, India.

2. Eligibility

You confirm that you are at least 18 years old and have the legal capacity to enter into binding agreements. If you act on behalf of a company, you confirm you are authorised to bind that company to these Terms.

3. Website Use

You may use this website for lawful business and informational purposes only. You agree not to:

• Attempt to gain unauthorised access to our systems or data
• Interfere with website security, availability, or performance
• Copy, scrape, or republish content without our prior written consent
• Submit false, misleading, or harmful information through forms or communications

4. Services

4.1 Scope

Descriptions of IT, Real Estate, and Insurance services on this website are for general information. The specific scope, fees, timelines, and deliverables for any engagement will be set out in a separate proposal, statement of work, policy documentation, or written agreement between you and Futzen.

4.2 No guarantee of outcomes

While we use professional care and skill, we do not guarantee specific commercial results (for example, property sale timelines, insurance claim outcomes, or business growth targets) unless expressly stated in a signed agreement.

4.3 Third parties

Insurance products, underwriting decisions, property listings, and certain technology platforms may involve independent third parties. Futzen is not responsible for the acts, omissions, or decisions of those third parties except as required by law or expressly agreed in writing.

5. Quotes, Fees & Payment

Quotes are estimates based on information available at the time. Final fees may vary if the scope changes. Payment terms, milestones, and taxes (including GST, where applicable) will be specified in invoices or contracts. Late payments may result in suspension of services and recovery of reasonable costs.

6. Client Responsibilities

You agree to provide accurate information, timely feedback, necessary access, and documents required for us to perform services. Delays or incomplete information from your side may affect timelines and deliverables.

7. Intellectual Property

All website content, branding, logos, designs, and materials owned by Futzen remain our intellectual property. Project deliverables created under a paid engagement will be licensed or assigned as stated in the relevant contract. You may not use our trademarks without prior written permission.

8. Confidentiality

Each party agrees to protect confidential information received from the other and use it only for the purpose of the engagement, except where disclosure is required by law or already public through no fault of the receiving party.

9. Disclaimers

Website content is provided “as is” for general information and does not constitute legal, financial, tax, investment, or insurance advice unless delivered under a formal engagement. You should obtain independent professional advice where appropriate.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Futzen shall not be liable for indirect, incidental, special, consequential, or punitive damages, or loss of profits, data, or business opportunity, arising from use of the website or services. Our total aggregate liability for any claim related to a paid engagement shall not exceed the fees paid to Futzen for that specific engagement in the three (3) months preceding the claim, unless a different limit is stated in a signed contract or required by law.

11. Indemnity

You agree to indemnify and hold Futzen harmless from claims, losses, and expenses arising from your misuse of the website, breach of these Terms, or provision of inaccurate information, except to the extent caused by our wilful misconduct or gross negligence.

12. Refunds & Cancellations

Refunds and cancellations are governed by our Refund Policy and any specific terms in your service agreement or insurance documentation.

13. Privacy

Our handling of personal information is described in our Privacy Policy.

14. Suspension & Termination

We may suspend or terminate access to the website or services if you breach these Terms, fail to pay fees when due, or if continued engagement would violate law or create unacceptable risk. Provisions that by nature should survive (including intellectual property, confidentiality, limitation of liability, and indemnity) will continue after termination.

15. Governing Law & Disputes

These Terms are governed by the laws of India. Subject to any mandatory consumer protections, courts in Visakhapatnam, Andhra Pradesh shall have exclusive jurisdiction over disputes arising from these Terms or our services, unless otherwise agreed in a signed contract.

16. Changes to These Terms

We may update these Terms periodically. The “Last updated” date indicates the latest revision. Continued use of the website or services after changes constitutes acceptance of the revised Terms.