Last Updated: January 28, 2026

This Legal Disclaimer governs your use of [Your Company Name]'s website, mobile applications, and services (collectively referred to as the "Platform"). Please read this disclaimer carefully before using our Platform or availing any services. By accessing or using our Platform, you acknowledge that you have read, understood, and agree to be bound by this Legal Disclaimer.

Important Notice: The information provided on this Platform is for general informational and educational purposes only. It does not constitute financial, legal, tax, or investment advice. You should consult qualified professionals before making any financial decisions.

1. Nature of Services

1.1 Intermediary Platform

[Your Company Name] is a digital intermediary platform that facilitates connections between borrowers/customers and banks, Non-Banking Financial Companies (NBFCs), insurance companies, and other financial service providers (collectively referred to as "Partner Institutions").

We do NOT:

• Directly lend money or provide loans from our own funds.
• Underwrite or issue insurance policies.
• Make credit decisions or approve/reject loan applications.
• Determine interest rates, loan amounts, tenure, or insurance premiums.
• Guarantee approval of any loan or insurance application.
• Act as a bank, NBFC, or insurance company.

1.2 Facilitation Services

Our role is limited to:

• Providing a platform for comparing financial products (loans, insurance).
• Collecting and forwarding your application to Partner Institutions.
• Assisting with documentation, verification, and application processing.
• Facilitating communication between you and Partner Institutions.
• Providing customer support and application status updates.

2. No Financial Advice

The information, tools, calculators, articles, and content on this Platform are provided for general informational and educational purposes only. They do not constitute:

• Financial advice or recommendations.
• Investment advice or portfolio management services.
• Legal, tax, accounting, or regulatory advice.
• Personalized financial planning or wealth management services.
• Endorsement or recommendation of specific financial products or institutions.

We strongly recommend that you:

• Consult qualified financial advisors, chartered accountants, or legal professionals before making financial decisions.
• Carefully read all loan agreements, insurance policy documents, and terms & conditions before signing.
• Assess your own financial situation, risk appetite, and repayment capacity independently.
• Understand all costs, charges, interest rates, and implications before committing to any financial product.

3. Loan Approval and Disbursement Disclaimers

3.1 No Guarantee of Approval

We do not guarantee approval of any loan application submitted through our Platform. All loan approvals are subject to:

• Lender's internal credit policies and eligibility criteria.
• Verification of documents, income, employment, and creditworthiness.
• Credit score assessment and credit bureau reports.
• Property valuation and legal verification (for secured loans).
• Compliance with regulatory requirements and KYC norms.

3.2 Loan Terms Determination

The following are determined solely by the lender and NOT by us:

• Loan approval or rejection decision.
• Sanctioned loan amount (may differ from requested amount).
• Interest rates (fixed or floating).
• Loan tenure and repayment schedule.
• Processing fees, administrative charges, and other costs.
• Prepayment penalties and foreclosure charges.
• EMI amount and due dates.

3.3 Disbursement Timeline

Loan disbursement timelines mentioned on our Platform are approximate estimates. Actual disbursement depends on:

• Completion of document verification and due diligence.
• Satisfactory property/collateral valuation (for secured loans).
• Legal and technical clearances.
• Lender's internal processes and approval workflows.
• Signing of loan agreements and security documents.

We are not responsible for delays in loan disbursement caused by incomplete documentation, verification issues, or lender processes.

4. Insurance Disclaimers

4.1 Policy Terms and Coverage

All insurance policy terms, coverage details, exclusions, limitations, waiting periods, and claim procedures are determined by the insurance company. We do not:

• Guarantee coverage for specific medical conditions or events.
• Determine premium amounts, policy tenure, or renewal terms.
• Make decisions on claim approvals or rejections.
• Provide medical advice or health assessments.

4.2 Premium Calculations

Premium amounts displayed on our Platform are indicative and may change based on:

• Medical underwriting and health assessment results.
• Age, occupation, lifestyle habits, and pre-existing conditions.
• Sum insured, policy type, and add-on covers selected.
• Insurer's underwriting guidelines and risk assessment.

4.3 Claim Settlement

Insurance claims are processed and settled directly by the insurance company. We may assist with claim filing, but:

• We cannot guarantee claim approval or settlement amounts.
• Claim settlement ratios and timelines mentioned are based on publicly available insurer data and past performance.
• Actual claim experience may vary based on individual circumstances and policy terms.

5. Interest Rates and Charges

Interest rates, processing fees, and other charges displayed on our Platform are:

• Indicative only and subject to change without notice.
• Based on information provided by Partner Institutions and may not reflect real-time updates.
• Subject to individual eligibility, credit profile, loan amount, and tenure.
• Exclusive of GST and other applicable taxes unless specified.

Final interest rates and charges will be disclosed in the loan agreement or insurance policy document issued by the lender/insurer. You should verify all rates and charges before accepting any offer.

6. Calculators and Tools

EMI calculators, eligibility calculators, premium calculators, and other financial tools provided on our Platform are for estimation purposes only. They:

• Provide approximate results based on inputs provided by you.
• May not account for all fees, taxes, insurance premiums, or other costs.
• Should not be relied upon as exact or guaranteed figures.
• Do not constitute an offer, quote, or commitment from us or any Partner Institution.

Actual loan EMIs, eligibility amounts, and insurance premiums will be determined by the lender/insurer based on their assessment.

7. Credit Score and Bureau Reports

7.1 Credit Score Display

Credit scores displayed on our Platform (if any) are sourced from authorized credit information companies (CIBIL, Experian, Equifax, CRIF High Mark). We:

• Do not generate, calculate, or modify credit scores.
• Are not responsible for accuracy, completeness, or timeliness of credit information.
• Do not guarantee that the credit score shown matches what lenders will see.
• Are not liable for credit score errors or disputes with credit bureaus.

7.2 Credit Inquiries

When you apply for a loan through our Platform:

• Lenders may perform hard credit inquiries that appear on your credit report.
• Multiple loan inquiries within a short period may temporarily impact your credit score.
• We are not responsible for the impact of credit inquiries on your credit score.

8. Accuracy of Information

8.1 Information Disclaimer

While we strive to provide accurate, current, and reliable information on our Platform:

• Information may contain errors, omissions, or become outdated.
• Product details, features, interest rates, and eligibility criteria are subject to change by Partner Institutions without notice.
• We do not warrant the accuracy, completeness, or reliability of any information on the Platform.
• We are not responsible for typographical errors, technical inaccuracies, or outdated content.

8.2 Third-Party Information

Information about Partner Institutions, their products, and services is provided by them or obtained from publicly available sources. We:

• Do not independently verify all information provided by third parties.
• Are not responsible for inaccuracies in third-party information.
• Recommend verifying all information directly with the respective institution before making decisions.

9. User Responsibility

You are solely responsible for:

1. Information Accuracy: Ensuring all information provided in applications is accurate, complete, truthful, and up-to-date.
2. Document Authenticity: Submitting genuine, unaltered, and valid documents for verification.
3. Financial Assessment: Evaluating your own financial situation, repayment capacity, and affordability before applying for loans.
4. Understanding Terms: Reading and understanding all loan agreements, insurance policies, terms & conditions, and disclosures before signing.
5. Timely Payments: Making EMI payments on time as per the repayment schedule to avoid penalties and credit score impact.
6. Regulatory Compliance: Complying with all applicable laws, regulations, and KYC requirements.
7. Account Security: Maintaining confidentiality of login credentials, OTPs, and account access.

10. Limitation of Liability

To the maximum extent permitted by law:

• We shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising from your use of the Platform.
• We are not responsible for loan rejections, unfavorable terms, insurance claim denials, or any decisions made by Partner Institutions.
• We are not liable for losses arising from reliance on information provided on the Platform.
• We are not responsible for unauthorized access to your account, data breaches (except as required by law), or system failures.
• We are not liable for delays, errors, or failures caused by third parties including Partner Institutions, payment gateways, verification agencies, or service providers.
• Our total liability in any matter shall not exceed the service fees paid by you in the last 6 months.

11. Third-Party Links and Services

Our Platform may contain links to third-party websites, applications, or services operated by Partner Institutions or other entities. We:

• Do not control, endorse, or assume responsibility for third-party content or services.
• Are not liable for privacy practices, terms, or actions of third parties.
• Do not guarantee the availability, accuracy, or reliability of third-party websites.
• Recommend reviewing third-party terms and privacy policies before using their services.

When you click on external links or are redirected to partner websites, you are subject to their terms, and we are not responsible for your interactions with them.

12. Regulatory and Compliance Disclaimer

12.1 Regulatory Status

[Your Company Name] operates as a digital platform under applicable laws and regulations. We are:

• NOT a bank, NBFC, or financial institution regulated by RBI.
• NOT an insurance company or insurance agent regulated by IRDAI.
• An intermediary/facilitator connecting customers with regulated financial institutions.

12.2 Compliance Obligations

Partner Institutions are responsible for:

• Compliance with RBI, IRDAI, SEBI, and other regulatory requirements.
• Following fair lending practices, responsible lending, and customer protection guidelines.
• Conducting KYC verification and AML compliance.
• Adhering to interest rate caps, fees regulations, and disclosure norms.

We are not responsible for regulatory violations by Partner Institutions.

13. Risk Disclosures

13.1 Loan Risks

Taking a loan involves financial risks including:

• Repayment Burden: Monthly EMI obligations that reduce disposable income and financial flexibility.
• Interest Rate Risk: Floating interest rates may increase, raising your EMI amount.
• Credit Score Impact: Late payments or defaults will negatively affect your credit score and future borrowing ability.
• Asset Risk: For secured loans, failure to repay may result in loss of collateral (home, property, vehicle).
• Over-Indebtedness: Multiple loans can lead to financial stress and debt trap.
• Hidden Costs: Processing fees, prepayment charges, late payment penalties, and other costs increase the effective cost of borrowing.

13.2 Insurance Risks

When purchasing insurance, be aware of:

• Coverage Limitations: Policies have exclusions, sub-limits, waiting periods, and conditions that may limit coverage.
• Premium Increases: Health insurance premiums typically increase with age and claims history.
• Claim Rejection Risk: Claims may be rejected for non-disclosure, policy violations, or non-covered events.
• Policy Lapse: Non-payment of premiums results in policy lapse and loss of coverage.

14. Data Security Disclaimer

While we implement industry-standard security measures to protect your data:

• No system is completely secure, and we cannot guarantee absolute security.
• You are responsible for maintaining confidentiality of your login credentials.
• We are not liable for unauthorized access resulting from your failure to secure your account.
• In case of data breaches, our liability is limited as specified in our Privacy Policy and Terms & Conditions.

15. Force Majeure

We shall not be liable for failure or delay in performance due to circumstances beyond our reasonable control including:

• Natural disasters (earthquakes, floods, pandemics, acts of God).
• War, terrorism, riots, civil unrest, or government actions.
• Internet or telecommunications failures, power outages, or server crashes.
• Cyberattacks, hacking attempts, or malware infections.
• Strikes, lockouts, or labor disputes.
• Changes in laws, regulations, or government policies.

16. Intellectual Property

All content on our Platform including logos, trademarks, text, images, software, and design elements are owned by us or our licensors. Unauthorized use, reproduction, or distribution is prohibited and may result in legal action.

17. Governing Law and Jurisdiction

This Legal Disclaimer is governed by the laws of India. Any disputes arising from use of the Platform shall be subject to the exclusive jurisdiction of courts in [Your City], India.

18. Modifications

We reserve the right to modify, update, or change this Legal Disclaimer at any time without prior notice. Changes will be effective immediately upon posting on the Platform. Your continued use constitutes acceptance of the modified disclaimer.

19. Severability

If any provision of this Legal Disclaimer is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

20. Contact Information

For questions or concerns regarding this Legal Disclaimer, please contact us:

Email: privacy@realtyfinserv.com | support@realtyfinserv.com
Phone: +91 88104 06446 (10:00 AM - 7:00 PM IST, Mon-Sat)
Address: 4th, Cloud-9, 422, Sector-1, Vaishali, Ghaziabad, Uttar Pradesh
Website: www.realtyfinserv.com

Final Notice: By using our Platform, you acknowledge that you have read, understood, and agree to this Legal Disclaimer. If you do not agree with any part of this disclaimer, you must immediately cease using our Platform and services.