This document, hereinafter referred to as the "Terms of Use" (TOU), constitutes an electronic record in accordance with the prevailing Information Technology laws and their amendments related to electronic records. This electronic record is computer-generated and does not necessitate any authentication.
1. Introduction
These terms and conditions ("Agreement") constitute a legal agreement between VHashtag having website,HomeLoanAI
.in
hereinafter referred to as the "Company," as the Direct Selling Agent (DSA) engaging in the promotion
and facilitation of home loan products and the user.
On the website https://www.homeloanai.in/ or any associated websites (collectively referred to as the "Site" or "Website")
and the HomeLoanAI mobile application (the "Mobile Application"), users engage in services subject to a legal agreement
with VHashtag, referred to as the "Company." The Company is incorporated under the
Companies Act, 2013, with its registered office at D17, 3rd Floor, Uppal South End, Sohna Road, Gurgaon.
By visiting or using the services of this Website/Mobile Application, you, the user ("User"), implicitly accept the following terms and conditions. It is advised to carefully read these terms before accessing or using the services.
2. Definitions
Description of Services:
I. Feedback
Unless expressly provided otherwise by the Company, all comments, feedback, information, or materials submitted to the Company
through or in association with this Website/Mobile Application shall be considered the property of the Company. By submitting such
comments, feedback, information, or materials, the visitor of the Website/Mobile Application agrees to a no-charge assignment
to the Company of all worldwide rights, title, and interest in copyrights and other intellectual property rights.
The Company is free to use, copy, publish, or distribute such comments, feedback, information, or materials on an
unrestricted basis without any accountability to the visitor/user.
II. Ownership
The Website/Mobile Application contains information, applications, content, or advertisements protected by intellectual
and proprietary rights owned by the Company, its affiliated companies, holding companies, subsidiary companies, or other
third parties. All trademarks and copyrighted information on the Website/Mobile Application are the property of their
respective owners. The Company retains all rights, title, and interest in the Website/Mobile Application, technology,
and underlying technology and data, referred to as the "Materials." Unauthorized use of the Materials is strictly prohibited.
III. Permission to Use Information/Materials on this Website/Mobile Application
Permission is granted to electronically copy and print limited portions of the Materials for personal information and
non-commercial use. Except for personal and non-commercial use, no portion of the Contents may be copied,
reproduced, distributed, republished, downloaded, displayed, posted electronically or mechanically, transmitted,
adopted, recorded, or reproduced without the prior written permission of the Company. Any other use of
Materials/information without permission is strictly prohibited.
The User shall not, directly or indirectly:
IV. Representations
The User is responsible for maintaining the confidentiality of the password and login ID.
The Company recommends logging out after each session and immediately notifying the Company
of any unauthorized use. The User agrees to provide accurate information and update the
Company promptly on any changes to the Registration Information. The Company is not liable for
unauthorized use unless directly attributable to the Company.
V. Eligibility and Use
Users represent they are of legal age to form a binding contract and will use the Website/Mobile Application
for legitimate purchases or services. Users may not have more than one active account and are prohibited
from selling, trading, or transferring their accounts. The Company reserves the right to refuse service
or terminate accounts at its discretion.
VI. Automated Activity
The Website/Mobile Application may use robot exclusion methods. Users agree not to use automated
means without express written permission. Users will not bypass the Company's robot exclusion methods.
VII. Third-Party Links/Offers
The Company is not responsible for third-party websites or resources linked to the Website/Mobile Application.
Users interact with third-party links at their own risk. Advertisements on the Website/Mobile Application
are delivered by third parties, and the Company is not responsible for the conduct of such third-party advertisers.
VIII. Customer Due Diligence Requirements (CDD)
Users agree to client/customer due diligence measures for financial transactions. Consent is provided for obtaining
credit information. Payment towards insurance premium is to be made only through the User's bank account.
IX. User Understand and Agree to Section 41 of Insurance Act
Users acknowledge and agree to Section 41 of the Insurance Act, prohibiting rebates and inducements.
X. Reasonable Security Practices and Procedures
The Company implements reasonable measures to protect information in accordance with the
Information Technology Act, 2000. Users indemnify the Company for any loss of data resulting from events beyond the Company's control.
Privacy Policy
XI. Governing Law and Jurisdiction
This Agreement is governed by the existing laws of India.
Disputes are subject to arbitration in Delhi, in accordance with the
Arbitration and Conciliation Act, 1996.
Grievance Officer:
XII. Warranty, Liability, Indemnification
The documents, graphics, products, and services published on this Website/Mobile Application
may include inaccuracies or technical or typographical errors, including pricing errors.
Changes are periodically added to the information herein. The Company may make improvements and/or
changes at any time. The Company does not guarantee the accuracy of, and disclaims all liability for
any errors or other inaccuracies relating to the information and description of the content, products,
and services. The Company expressly reserves the right to correct any pricing errors on the
Website/Mobile Application and/or on pending reservations made under an incorrect price.
The Company makes no representation about the suitability of the information, software, products, and services
contained on this Website/Mobile Application for any purpose. The inclusion or offering of any products or
services does not constitute an endorsement or recommendation. All such information, software, products,
and services are provided "as is" and "as available" without warranty of any kind. The Company disclaims
all warranties and conditions that this Website/Mobile Application, its services, or any email sent are
free of viruses or other harmful components. The Company hereby disclaims all warranties and conditions,
including implied warranties and conditions of merchantability, fitness for a particular purpose, title, and non-infringement.
Service providers offering services on this Website/Mobile Application are independent affiliates.
The Company is not liable for the acts, errors, omissions, representations, warranties, breaches,
or negligence of any such service providers. The Company and its affiliates have no liability for
any delay, cancellation, strike, force majeure, or other causes beyond their direct control.
They have no responsibility for any additional expenses, omissions, delays, or acts of any government
or authority. In no event shall the Company and/or its affiliates be liable for any direct, indirect,
punitive, incidental, special, or consequential damages arising out of or connected with your access to,
display of, or use of this Website/Mobile Application.
XIII. Indemnity
You agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees,
agents, representatives, vendors, and distributors from and against any and all claims, liabilities,
damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) that the Company may
incur as a result of or arising from your violation or breach of any representation or obligation under
the Website/Mobile Application. The Company reserves the right to assume the exclusive defense and
control of any matter subject to indemnification by you, and you agree to cooperate with the Company’s defense.
XIV. Electronic Notices and Transactions
You agree to transact with the Company electronically. This includes receiving all documents
in HTML or PDF format and communicating over the Internet. You certify that you are at least
18 years of age and have lawful and authorized access to the Internet. The Company may send
important notices to the email address you provide. It is your duty to keep your email
address up-to-date. If you no longer desire to transact electronically, you may not use
the Website/Mobile Application or Company’s services.
XV. Access
You are responsible for obtaining all equipment and services required for your lawful
and authorized access to the Website/Mobile Application. If you access the Website/Mobile Application
through a mobile or wireless device, you are responsible for all fees that your carrier may charge you.
Company grants you a limited license to access and make personal use of the Website/Mobile Application and the Service.
XVI. Amendment in Terms of Use:
Please note that these Terms of Use may change from time to time. The Company will not reduce your
rights under this Policy without your explicit consent. Regardless, the Company will post any
Policy changes on this page and, if the changes are significant, the Company will provide a
more prominent notice. Each version of this Policy will be identified at the top of the
page by its effective date. All Contents and Material are intellectual and proprietary rights
of the Company, its affiliated companies, holding companies, subsidiary companies, and other
third parties. All rights reserved without prior written approval from the Company, and no
portion of the Terms of Use may be copied, reproduced, or adopted in any form, or by any means.
XVII. Miscellaneous:
The Company reserves the right to investigate complaints or reported violations of the Website/Mobile Application
Terms and to take any action the Company deems appropriate, including reporting suspected unlawful activity to
law enforcement officials, regulators, or other third parties. The Company may disclose any information
necessary or appropriate to such persons or entities relating to user profiles, email addresses, usage history,
posted materials, IP addresses, and traffic information. The Company reserves the right to seek all remedies
available at law and in equity for violations of the Website/Mobile Application Terms, including blocking
access from a particular internet address to any of the Company’s Website/Mobile Applications.
These incorporate by reference any notices contained on the Website/Mobile Application and constitute
the entire agreement with respect to access to and use of the Website/Mobile Application.
The Company reserves the right to accept or reject any advertising sponsor or any advertising
for any reason. Advertising sponsors and advertising, if permitted, must be approved by the
Company before the posting of any advertising material, information, links, content, banners,
and graphics. The Company shall not be deemed to have waived any rights or remedies in the
Website/Mobile Application Terms unless such waiver is in writing and signed by the Company.
No delay or omission on the part of the Company in exercising any rights or remedies shall
operate as a waiver of such rights or remedies. A waiver on any one occasion shall not be
construed as a waiver of any rights or remedies on future occasions.
In addition to the other disclaimers and limitations, there are no guarantees and no
warranties regarding online availability, impressions, and click-through of the Company’s websites.
The Company’s websites may be unavailable for online access at any time. Nothing on any Company website
shall be construed as conferring any license under any of Company’s or any third party’s intellectual property rights.
The Company and the User agree that the provisions and covenants set forth herein are reasonable.
In the event that any provision or covenant of the Website/Mobile Application Terms shall be held
invalid, illegal, or unenforceable, such provision will be severed and replaced with a new provision.
The remaining provisions of the Website/Mobile Application Terms will remain in full force and effect
for the greatest time period and for the broadest scope permitted by applicable law.
Please do not use the information on the Company’s Website/Mobile Application to distribute unsolicited
bulk emails, solicitations, or inquiries. The foregoing acts will constitute a violation of the Website/Mobile Application Terms.
