Last updated: October 4, 2026
Welcome to wow.bharatschemes.com (“WOW”, “we”, “us”). By accessing or using this Website, you agree to these Terms and Conditions. If you do not agree, please do not use the Website.
1. Use of the Website
You may use the Website for personal, non-commercial purposes. You agree not to misuse the Website, including by attempting to gain unauthorised access, interfering with its operation, scraping content at scale, or using it for any unlawful purpose.
2. No Professional Advice
Content on this Website is for general information only and is not financial, insurance, legal or tax advice. Please read our Disclaimer.
3. Intellectual Property
All original text, logos and design on the Website belong to WOW unless otherwise stated. Images are either our own or licensed for free use (such as CC0). You may share links to our articles and quote short extracts with clear credit and a link back. You may not republish full articles without written permission.
4. Advertising
The Website is supported by advertising. You agree not to deliberately click on ads, use automated tools to generate clicks or impressions, or encourage others to do so.
5. Third-Party Links
We are not responsible for content, products or services on third-party websites linked from our pages.
6. Limitation of Liability
To the fullest extent permitted by law, WOW is not liable for any direct, indirect, incidental or consequential damages arising from your use of, or inability to use, the Website or its content.
7. Privacy
Your use of the Website is also governed by our Privacy Policy and Cookie Policy.
8. Changes
We may update these Terms at any time. Continued use of the Website after changes means you accept the updated Terms.
9. Contact
Questions about these Terms can be sent through our Contact page.