Kaagazaat Terms of Use

These terms set out the agreement between you and us when you use Kaagazaat. Please read them before you make an account.

1. About these terms

1.1 These terms of use ("terms") are a contract between you and Sudeep Sachdeva, sole proprietor of M/s Sudeep Sachdeva & Associates, Office No. A-415, 4th Floor, Tower-A, Bestech Business Towers, Sector 66, Mohali, Punjab 160062 ("Kaagazaat", "we", "us" or "our"). They apply to the website at www.kaagazaat.com and to everything we offer through it (together, "the Service").

1.2 You accept these terms when you make an account, by ticking the box to confirm that you are 18 or older and that you have read these terms and our Privacy Policy and agree to them, and then selecting "Make the account". If you use the Service without an account, for example to read a draft, these terms apply to that use as far as the law allows.

1.3 Making this contract online does not make it any less binding. Section 10A of the Information Technology Act, 2000 provides that a contract is not unenforceable only because it was formed electronically. These terms are also subject to the Indian Contract Act, 1872.

1.4 Please read these terms together with:

• our Privacy Policy, which explains how we handle personal information;
• our Disclaimer, which explains in more detail what our drafts are and are not; and
• the Grievance & Contact page, which explains how to raise a complaint.

If we offer a paid feature in future, the separate terms for that feature will also apply (section 11).

1.5 If you do not agree to these terms, do not make an account and do not use the Service.

2. Who may use Kaagazaat

2.1 You must be 18 years of age or older and competent to contract under section 11 of the Indian Contract Act, 1872. By making an account you confirm that you are.

2.2 If you make an account for a firm, company, chambers or other organisation, you confirm that you are authorised to accept these terms on its behalf. In that case "you" means both you and that organisation.

2.3 You may not use the Service if we have closed an account of yours for breaking these terms, unless we agree in writing.

3. What Kaagazaat is

3.1 Kaagazaat is a library of document drafts (templates) for property matters: for example rent agreements, agreements to sell, deeds, notices, and documents used between buyers and builders or developers, including under the Real Estate (Regulation and Development) Act, 2016.

3.2 This version of the Service is written for property in the State of Punjab and the Union Territory of Chandigarh only. The documents, and the notes that go with them, state the position in those two places. They are not written for property anywhere else in India, and you should not use them for property elsewhere.

3.3 You can browse the library, fill in the form for a document and read the whole draft on screen without an account and without paying. While you fill in a form, what you type stays in your browser tab and is not sent to us until you ask for the document. Closing the tab normally loses it.

3.4 An account lets you print a document or download a copy of it. Section 11 explains the free allowance.

3.5 The Service's own pages are available in English, Hindi and Punjabi. The documents are drafted in English. For some documents the Service may also show a Hindi or Punjabi translation beside the English, to help you understand it. Section 20 explains which text governs.

3.6 Before we publish a document, it goes through our own drafting and review process, and we publish it only after we approve it. That process is about the document in general. It is not advice about your facts, and it does not mean that a court, an advocate acting for you, or any government office has checked or accepted the document.

3.7 Some document pages carry notes about stamp duty, registration, witnesses or notarisation. These notes describe the general position for that kind of document in Punjab or Chandigarh when we wrote them. Rates and procedures change, and a note is not a calculation for your document. Confirm the current position with the Sub-Registrar or other competent office before you pay or sign.

4. What Kaagazaat is not

4.1 We are not a law firm and we do not practise law. Under section 29 of the Advocates Act, 1961, advocates are the only class of persons entitled to practise the profession of law. Nothing on the Service is legal advice, and using the Service does not create an advocate–client relationship between you and us or anyone who works for us.

4.2 We do not offer, recommend, refer, rank, rate or advertise advocates or any other professionals, and we take no fee or commission for introducing one. We do not show your profile to other users. If you need advice, choose your own advocate.

4.3 We are not a registration office, a stamp vendor, a notary, a licensed document writer or a government service. We do not collect stamp duty or fees, stamp documents, book appointments, or present or register documents for you.

4.4 We do not check the property, its title, the parties, their identity or their authority, or anything you type. A document is only as accurate as the details you put into it.

4.5 Anything we say in reply to a question or a complaint is about the Service. It is not advice about your matter.

5. Your account

5.1 To make an account you give your name, an Indian mobile number and an email address, and type back the six-digit code (a one-time password, or OTP) that we send to your number by text message. We do not send a code to your email address to make the account; it is kept as given, and see 5.2 for what confirming it later adds. You may also answer a few questions about your work (your "profile"). A mobile number, and an email address, can each belong to only one account.

5.2 Use a mobile number that is yours and that you control: it is how you sign in. If you change your number, see section 5.8. If you give an email address, use one that you control and keep it current: it is how we reach you, and once you have confirmed it with a code we email to it, you can also sign in with it. Neither your mobile number nor your email address is printed on any document you make.

5.3 A code is for you alone. Type it only on www.kaagazaat.com, and never tell it to anyone, even someone who says they are from Kaagazaat: we will never ask you for a code. A code works for 10 minutes; five wrong tries end it, and you can ask for a new one after 60 seconds. Keep your phone and your email account secure, because anyone who can read the codes we send you can sign in as you.

5.4 An account is for one person. Do not share it or let anyone else sign in with it. You are responsible for what is done through your account, except where it results from our own failure to take reasonable security measures.

5.5 Tell us at once at sudeepsachdeva.associates@gmail.com if you think someone else has used your account or has been told one of your codes, or if you lose your phone or your mobile number.

5.6 We keep you signed in with a cookie that scripts on web pages cannot read. For your safety, a signed-in session ends after a period without activity, and in any case after a fixed time, and you then need to sign in again. On a shared computer, sign out when you finish.

5.7 To protect accounts, we limit how often some actions — such as asking for a code, making an account, signing in and taking a document — can be tried from one internet (IP) address, or for one account, mobile number or email address, in a given time. If you reach a limit, wait and try again.

5.8 If you can no longer receive codes on your mobile number — for example, because you have changed your number — you can sign in with a code sent to the email address on your account. If you cannot sign in either way, write to sudeepsachdeva.associates@gmail.com. We may ask you to show that the account is yours before we help, and we may not always be able to restore access.

5.9 The earlier version of www.kaagazaat.com also used a mobile number to sign in, but accounts on it do not carry over to this Service. If you had one, please make a new account here; you can use the same mobile number.

5.10 If you made your account on this Service before we introduced sign-in codes, you made it with an email address and a password. Your account keeps its email address, and you now sign in with a code that we send to that address. Your password no longer works; we have deleted our record of it, and we will never ask you for it.

6. Profiles and professional details

6.1 When you make an account you choose a profile: Individual, Property owner, Advocate, Broker, or Builder or developer. Your profile decides which documents you see first and what you are asked. It gives you no extra rights or permissions on the Service.

6.2 If you choose Advocate, Broker, or Builder or developer, you may give details such as a Bar Council enrolment number, a RERA registration number, or the name of your chambers, firm or company. We keep these exactly as you type them and mark them as unchecked. We do not check them at present.

6.3 Your professional details appear on a document only if you choose to put them there.

6.4 A profile, name or number on Kaagazaat is not a certificate, a verification or an endorsement by us. It says nothing to anyone about your qualifications, and you must not suggest that it does.

6.5 Give only your own details, and keep them accurate and current. Do not describe yourself as an advocate, or as a registered real-estate agent or promoter, unless you are one, and do not use anyone else's enrolment or registration number. Doing so may be an offence, and we may close your account (section 16).

6.6 If you are an advocate, you remain responsible for complying with the Advocates Act, 1961 and the Bar Council of India Rules. These include the rule against soliciting work or advertising (Rule 36) and the rule against allowing your name or services to be used to make possible the unauthorised practice of law (Rule 37), both in Section IV of Chapter II of Part VI of those Rules. Whether and how your name, chambers or enrolment number appear on a document or letterhead is your choice and your responsibility.

6.7 If you are a broker, builder or developer, you are responsible for any registration you need under the Real Estate (Regulation and Development) Act, 2016, and for the accuracy of any registration number you put on a document.

6.8 At present an account belongs to one person, even when it is named after a company or firm.

7. Your responsibilities when you use a document

7.1 You decide whether a document suits your situation. Read the whole draft, and the notes that go with it, before you rely on it.

7.2 You are responsible for everything you type: names, addresses, amounts, dates, property descriptions, identity numbers and any other details. We do not check them. If a detail is wrong, the document will be wrong.

7.3 Stamp duty. You are responsible for paying the correct stamp duty, in the correct way and at the correct time, under the Indian Stamp Act, 1899 as it applies in Punjab or in the Union Territory of Chandigarh, and under the rates and rules notified there. An instrument that is not duly stamped may be refused in evidence, may not be acted upon or registered, and may attract a penalty (see section 35 of that Act).

7.4 Registration. Some documents must be registered under the Registration Act, 1908 (see section 17 of that Act). A document that must be registered but is not may not affect the property, and may not be received as evidence of the transaction (see section 49). You are responsible for registration where it is needed, including the time limits, the fees and appearing before the Sub-Registrar. In Punjab, a registering officer may accept a document for registration only if it is written by a licensed document writer or by the person executing it (rule 3(2) of the Punjab Document Writers Licensing Rules, 1961). Check how this applies to your document before you go to register it. Other laws, such as tenancy laws, may add their own requirements for some documents.

7.5 Signing and witnessing. You are responsible for executing the document properly: the right people signing in the right capacity, dates, witnesses, attestation or notarisation where needed, and each party keeping a copy.

7.6 Language. Make sure that every person who signs a document understands it. If someone does not read English well, have the document explained to them, or translated for them, by a person they trust before they sign.

7.7 Advice. Take advice from an advocate, and from other professionals where relevant (for example on tax), before you sign — especially where the amount is large, a dispute exists or is likely, or your situation is unusual.

7.8 Changes in the law. Laws, rates and procedures in Punjab and Chandigarh change, sometimes with little notice. A document or note that was correct when we published it may later be out of date. Check the current position before you rely on it.

7.9 Other people's details. If you enter details about another person — for example a tenant, buyer, seller or witness — you confirm that you are entitled to give them to us for preparing the document. Enter only what the document needs.

8. Acceptable use

8.1 You must not use the Service:

• (a) for anything unlawful, fraudulent or misleading, including preparing a document you know to be false, dating a document to mislead, or understating a value or amount to reduce stamp duty or fees;
• (b) to deceive a registering officer, court, bank, authority or any other person;
• (c) to impersonate anyone, or to use another person's name, enrolment number or registration number without their authority;
• (d) to put another person's personal information into the Service without a lawful basis for doing so; or
• (e) to harass, threaten or defame anyone.

8.2 You must not:

• (a) make more than one account for yourself, or accounts in other people's names, to get around the free allowance or any other limit;
• (b) get around, disable or interfere with the free allowance, the limits in section 5.7, our security controls or any other part of the Service;
• (c) probe, scan or test the Service for weaknesses without our written permission. If you find a security problem, please tell us at sudeepsachdeva.associates@gmail.com;
• (d) copy, scrape, crawl or bulk-download the library, or reach the Service by automated means, except for search engines;
• (e) republish, sell, license or distribute the templates, or use them to build or supply a competing library, form book or service;
• (f) use the templates or other content of the Service to train or improve an artificial-intelligence or machine-learning model without our written permission;
• (g) remove or change any copyright or other notice on the Service, or present a document as having been prepared, checked or approved by Kaagazaat for your particular facts; or
• (h) introduce malicious code, upload a file you are not entitled to share, or do anything else that harms the Service or its users.

9. Our content, and your licence to use documents

9.1 We, or the people who license content to us, own the Service and everything in it: the software, the design, the templates and their wording, the library pages, notes and guidance, and the Kaagazaat name and logo. They are protected by the Copyright Act, 1957 and other laws. Apart from the licence in this section, these terms give you no rights in them.

9.2 Subject to these terms, we give you a limited, non-exclusive, non-transferable licence to:

• (a) read the drafts on the Service; and
• (b) fill in, print, download, copy, adapt and use a document that you have taken through your account, for your own transaction or, if you are a professional, for your client's transaction.

9.3 You may share copies of that document with the other parties to the transaction and their advisers, and with a bank or lender, a registering officer, a court or any other authority, as the transaction needs.

9.4 Once a document has been signed for a transaction, nothing in these terms limits how you, the other parties or anyone entitled under it may use, register, produce in evidence or rely on that document.

9.5 The licence in section 9.2 does not allow you to publish or supply the templates themselves to anyone else, as a collection or as part of a product or service (see section 8.2(e)).

9.6 If you send us suggestions or corrections, we may use them freely, without payment or any obligation to you.

10. What you type, and our licence to use it

10.1 You keep whatever rights you have in the details you type into the Service ("your inputs").

10.2 Until you ask for a document, your inputs stay in your browser tab and are not sent to us (section 3.3).

10.3 When you ask to print or download a document, your browser sends us the document type and your inputs, and our server uses them to produce the document. We keep a record of which document you took and when, with a fingerprint of its text, so that we can count it against your allowance and not count it twice.

10.4 We do not save drafts. We use your inputs only to prepare the document at the moment you take it, and we do not store them. Your account keeps a record that you took the document, not the document itself.

10.5 You give us a non-exclusive, royalty-free licence to receive, copy, process and display your inputs and documents, but only as far as we need to provide the Service to you, keep it secure and comply with the law. This includes doing so through the service providers who host and store the Service for us.

10.6 We do not show your inputs or your documents to other users. How we handle personal information, how long we keep it, and your rights over it are explained in our Privacy Policy.

10.7 Keep your own copies. The Service is not a registry or a safe-keeping service for documents. Keep the signed original, and your own copies of every document, somewhere safe.

10.8 We may refuse to prepare a document whose inputs break these terms or the law, and we may remove, or block access to, anything we hold that breaks them.

11. Fees and the free allowance

11.1 At present the Service is free. Browsing the library, filling in a form, reading the whole draft and making an account cost nothing.

11.2 A free account carries a limited number of documents. The Service shows the number before you take a document. Printing again, or downloading again, a document you have already taken does not count as another one.

11.3 At present there is no way to pay for more documents or for other features.

11.4 We may change the free allowance. A change will not take back a document you have already taken.

11.5 If we introduce paid features, we will offer them on separate terms, which you will see and accept before you pay. We will show the price, including any taxes, before you pay, and we will not charge you without your express consent. Paid features will be subject to the Consumer Protection Act, 2019 and the Consumer Protection (E-Commerce) Rules, 2020 as they apply, and their terms will set out your cancellation and refund rights.

12. Availability and changes to the Service

12.1 We try to keep the Service available and working correctly, but we do not promise that it will always be available, uninterrupted or free of errors. We may need to pause it for maintenance, for security, or for reasons outside our control.

12.2 We may add, change or withdraw documents and features at any time. For example, we may withdraw or revise a document when the law changes. If we revise a document, check whether the revision affects a document you took earlier.

12.3 We are not responsible for a failure or delay caused by events beyond our reasonable control, such as a failure of the internet, of power or of a service provider, or an order of a government or court.

13. Disclaimers

13.1 To the extent Indian law permits, the Service and the documents are provided "as is" and "as available".

13.2 We take care to keep the documents and notes accurate for Punjab and Chandigarh at the time we publish them. But we do not promise that any document or note:

• (a) suits your purpose or your facts;
• (b) is complete, or reflects the law on the day you use it;
• (c) will be accepted by a Sub-Registrar, a revenue officer, the Estate Office, a bank, a court or any other authority or person; or
• (d) will have the legal effect you want.

13.3 Links to government portals and other websites are given for convenience. We do not run those websites and are not responsible for what they say or do.

13.4 Nothing in these terms excludes or limits any right you have under a law that cannot be excluded or limited by contract, including your rights as a consumer where consumer protection law applies to you.

14. Limitation of liability

14.1 To the extent Indian law permits, we are not liable for:

• (a) any indirect or consequential loss, or any loss of profit, bargain, opportunity or goodwill;
• (b) any loss that arises from details you entered, from stamp duty that was not paid or was paid wrongly, from a document that was not registered or not properly signed or witnessed, or from using a document without taking advice;
• (c) any loss caused by a change in the law after we published a document or note;
• (d) anything done or not done by another party to your transaction, or by any authority; or
• (e) any period when the Service is unavailable.

14.2 To the extent Indian law permits, our total liability to you for all claims connected with the Service is limited to the greater of the amount you paid us in the 12 months before the claim and ₹5,000.

14.3 Nothing in these terms limits our liability for fraud, or any other liability that cannot be limited under Indian law.

15. Indemnity

15.1 You agree to make good any loss, damage, penalty or reasonable cost (including reasonable legal fees) that we suffer because of a claim by someone else arising from:

• (a) your breach of these terms;
• (b) your unlawful use of the Service;
• (c) false or misleading details you entered, including professional details; or
• (d) your use of another person's personal information without a lawful basis.

15.2 Section 15.1 does not apply to the extent that the loss was caused by our own breach of these terms or our own negligence.

16. Suspension and closure

16.1 You may stop using the Service at any time. To close your account, write to us at sudeepsachdeva.associates@gmail.com from the email address on the account.

16.2 We may suspend or close your account, or refuse you access to the Service, for a reasonable cause, including where:

• (a) you have broken these terms;
• (b) we reasonably suspect fraud, impersonation or misuse;
• (c) the law, a court or an authority requires it; or
• (d) it is needed to protect other users or the Service.

16.3 Where it is lawful and reasonable, we will tell you the reason and give you a chance to respond. Unless the cause is serious, we will give you 30 days' notice before we close your account.

16.4 When your account is closed, your licence under section 9 ends, except that you and the other parties may go on using any document already signed for a transaction (section 9.4). We may keep information where the law requires it, as our Privacy Policy explains.

16.5 Sections 9.4, 13, 14, 15 and 17, and any other part of these terms that by its nature should continue, continue after your account is closed.

17. Governing law and disputes

17.1 These terms are governed by the laws of India.

17.2 If you have a complaint, please raise it with us first through the Grievance & Contact page (section 18), so that we can try to resolve it.

17.3 Subject to section 17.4, the courts at SAS Nagar (Mohali), Punjab, where our office is, have exclusive jurisdiction over any dispute arising from these terms or the Service.

17.4 If you are a consumer under the Consumer Protection Act, 2019, nothing in these terms takes away your right to file a complaint before a Consumer Commission, including the District Commission where you live or personally work for gain (section 34(2)(d) of that Act).

18. Grievances and contact

18.1 The name, designation and contact details of our Grievance Officer, and the time limits within which we acknowledge and resolve complaints, are on the Grievance & Contact page.

18.2 You can also write to us at sudeepsachdeva.associates@gmail.com, or by post to M/s Sudeep Sachdeva & Associates, Office No. A-415, 4th Floor, Tower-A, Bestech Business Towers, Sector 66, Mohali, Punjab 160062.

18.3 You can write to us or call us in English, Hindi or Punjabi. Please give the mobile number or email address on your account and the name of the document concerned. Never send us a code or a password; we will never ask for either.

19. Changes to these terms

19.1 We may change these terms — for example, to reflect a change in the law or in the Service, or before we introduce paid features.

19.2 We will publish the new version on the Service with a new "Last updated" date. If a change is significant, we will announce it on the Service and tell you when you next sign in, at least 30 days before it takes effect, and we may ask you to accept the new terms before you go on using your account.

19.3 If you do not agree to a change, stop using the Service and ask us to close your account. A change does not apply to a dispute that arose before the change took effect.

19.4 At least once a year, we will remind you of these terms and our Privacy Policy, in English, Hindi or Punjabi as you prefer.

20. Language

20.1 These terms are written in English. If the English version and a translation differ, the English version governs, to the extent the law allows.

20.2 The documents are drafted in English. Where the Service shows a Hindi or Punjabi translation of a document, the translation is there to help you understand it. Legal words do not always translate exactly, and we do not promise that a translation is exact. If the English text and the translation differ, the English text governs.

20.3 A registering officer, bank, court or other office may want a document in a particular language, or with a translation. Check before you sign.

21. General

21.1 These terms, together with the Disclaimer and any separate terms for a paid feature, are the whole agreement between you and us about the Service. Our Privacy Policy explains how we handle personal information.

21.2 If a court finds any part of these terms invalid or unenforceable, the rest remains in force.

21.3 If we do not enforce a right straight away, we have not given it up.

21.4 You may not transfer your rights under these terms to anyone else. We may transfer ours to a successor that takes over the Service. If we do, we will tell you, and the transfer will not reduce your rights under these terms.

21.5 We will send notices to the email address on your account. You can send notices to sudeepsachdeva.associates@gmail.com, or by post to Office No. A-415, 4th Floor, Tower-A, Bestech Business Towers, Sector 66, Mohali, Punjab 160062.

21.6 Nothing in these terms makes us your advocate, agent, partner or employee, or you ours.

21.7 These terms replace the Terms of Service of the earlier www.kaagazaat.com (effective 1 June 2026) for everything done on the Service from 13 September 2026.