Terms of Service

Last Updated: May 29, 2026

1. Acceptance of Terms

Welcome to Schemes.co.ke. By accessing and using this website, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these Terms of Service, please do not use our services.

2. Description of Service

Schemes.co.ke provides educational resources including schemes of work, lesson plans, study notes, assessments, and related materials for Kenyan educators and learners. Our services include:

  • Access to digital educational materials
  • Downloadable PDF and document files
  • User account management
  • Payment processing for premium content
  • Customer support services

3. User Accounts

3.1 Registration

To access certain features, you must create an account. You agree to:

  • Provide accurate, current, and complete information
  • Maintain and update your information to keep it accurate
  • Maintain the security of your password
  • Accept responsibility for all activities under your account
  • Notify us immediately of any unauthorized use

3.2 Account Termination

We reserve the right to suspend or terminate your account if you violate these terms or engage in fraudulent, abusive, or illegal activity.

4. Payments and Refunds

4.1 Pricing

All prices are displayed in Kenyan Shillings (KES) and are subject to change without notice. We reserve the right to modify pricing at any time.

4.2 Payment Processing

Payments are processed securely through M-Pesa Till Number 5272685. We accept M-Pesa mobile payments for all document purchases.

4.3 Refund Policy

Due to the digital nature of our products, we generally do not offer refunds after a download link has been provided. However, we may consider refunds on a case-by-case basis for:

  • Technical issues preventing access to purchased content
  • Duplicate purchases
  • Incorrect or corrupted files

Refund requests must be made within 7 days of purchase.

5. Intellectual Property Rights

5.1 Our Content

All content on Schemes.co.ke, including text, graphics, logos, images, and software, is the property of Schemes.co.ke or its content suppliers and is protected by Kenyan and international copyright laws.

5.2 License to Use

When you purchase content from us, you receive a limited, non-exclusive, non-transferable license to:

  • Download and use the materials for personal or classroom use
  • Print copies for your own use

5.3 Restrictions

You may NOT:

  • Redistribute, resell, or share purchased materials
  • Modify or create derivative works
  • Remove copyright notices or watermarks
  • Use materials for commercial purposes beyond your own teaching
  • Upload materials to file-sharing platforms

6. User Conduct

You agree not to:

  • Use the service for any illegal purpose
  • Attempt to gain unauthorized access to our systems
  • Interfere with or disrupt the service
  • Upload viruses or malicious code
  • Impersonate another person or entity
  • Harass, abuse, or harm other users
  • Scrape or extract data from the website

7. Disclaimer of Warranties

Our service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

  • The service will be uninterrupted or error-free
  • Defects will be corrected
  • The service is free from viruses or harmful components
  • The results obtained from use will be accurate or reliable

8. Limitation of Liability

To the fullest extent permitted by law, Schemes.co.ke shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

  • Your use or inability to use the service
  • Any unauthorized access to or use of our servers
  • Any interruption or cessation of transmission
  • Any bugs, viruses, or similar that may be transmitted
  • Any errors or omissions in any content

9. Indemnification

You agree to indemnify, defend, and hold harmless Schemes.co.ke and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from your violation of these terms or your use of the service.

10. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Kenya, without regard to its conflict of law provisions. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Kenya.

11. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes by posting the new Terms of Service on this page and updating the "Last Updated" date. Your continued use of the service after such changes constitutes your acceptance of the new terms.

12. Contact Information

If you have any questions about these Terms of Service, please contact us:

  • Email: info@schemes.co.ke
  • Website: https://www.schemes.co.ke
  • Contact Form: Contact Page

By using Schemes.co.ke, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

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