Terms of Use

Welcome to http://www.hometree.net.in  (“Website”) and Hometree ("Mobile Applications") operated by Home Tree and powered by Home Equity India Private Ltd (hereinafter known as Whatsloan), a company incorporated under the provisions of the Companies Act, 2013 , together referred to a “We” or “Us” or "Our" This document is an electronic record in terms of Information Technology Act, 2000 and is generated by a computer system and does not require any physical or digital signatures.

Before you use our Website and/or Mobile Applications, you must read all of the terms of Use (“Terms”) herein and the Privacy Policy provided on the Website and/or Mobile Applications. By using our website and/or Mobile Applications (“Services”), you understand and agree that we will treat your use of the Services as acceptance of these terms from such point of usage. You may not use the Services if you do not accept the terms. If you do not agree to be bound by these terms and the Privacy Policy, you may not use the Website and/or Mobile Application in any way. We reserve the right at any time, at its sole discretion, to change or otherwise modify the terms without prior notice, and your continued access or use of this Website and the Mobile Application signifies the acceptance of the updated or modified terms. If you object to these terms or any subsequent modifications to these terms or become dissatisfied with the Website in any way, your only recourse is to immediately terminate use of the Website and/or the Mobile Application.

Our Rights
You agree that we own all legal rights, title and interest in and to the products and/ or services, including any intellectual property rights which subsist in the products and/ or services (whether those rights are registered or not, and wherever in the world those rights exist). You further acknowledge that the products and/ or services may contain information which is designated confidential by and that you shall not disclose such information without our prior written consent. You may not copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the products and/ or services. You do not have the right to use any of our trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the products and/ or services.

Reproduction of any material of our Website or Mobile Application is prohibited for any commercial use. Business Secret / Protection of Business Method:- You must not transmit, or input into the Website or Mobile Application, any files that may damage any other person's computing devices or software, content that may be offensive, or material or Data in violation of any law (including Data or other material protected by copyright or trade secrets/ business method on which you do not have the right to use)

Website & Mobile Applications Use
The website and/or Mobile Application is intended for personal and commercial use. You can only register to become a member of the Website and/or Mobile Application if you are above 18 and can enter into a binding contract. You are responsible for maintaining the secrecy of your passwords, login and account information. You will be responsible for all use of the Website and Mobile Application by you and anyone using your password and login information (with or without your permission).

You also agree to provide true, accurate, current and complete information about yourself as prompted by the Website and/or Mobile Applications. If you provide any information that is untrue, inaccurate, not updated or incomplete (or becomes untrue, inaccurate, not updated or incomplete), or we have reasonable grounds to suspect that such information is untrue, inaccurate, not updated or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Website and/or Mobile Application (or any portion thereof) or Services in connection thereto.

By making use of the Website and/or Mobile Application, and furnishing your personal/contact details, you hereby agree that you are interested in availing and purchasing the Services that you have selected. You hereby agree that we may contact you either electronically or through phone, to understand your interest in the selected products and Services and to fulfil your demand or complete your application. You specifically understand and agree that by using the Website and/or the Mobile Application you authorize us and its affiliates and partners to contact you for any follow up calls in relation to the Services provided through the Website and or Mobile Application. You also agree that we reserve the right to make your details available to partners and you may be contacted by the partners for information and for sales through email, telephone and/or SMS.

The usage of the Website and or Mobile Application may also require you to provide consent for keying in your Sensitive Information (“SI”) (including but not limited to user ids and passwords), as may be necessary to process your application through this Website. SI keyed in shall be required for enabling hassle free, faster and paperless (to the extent possible) processing of applications for financial products so opted / availed by you. We shall adhere to best industry practices including information security, data protection and privacy law while processing such applications and the SI interface where key in of SI is required shall not be stored. However, We shall not be liable to you against any liability or claims which may arise out of such transactions.

You agree not to use the Website and/or the Mobile Application for any purpose that is unlawful, illegal or forbidden by these terms, or any local laws that might apply to you. Since the Website is in operation in India, while using the Website, you shall agree to comply with laws that apply to India and your own country (in case of you being a foreign national). We may, at our sole discretion, at any time and without advance notice or liability, suspend, terminate or restrict your access to all or any component of the Website and/or Mobile Application.

You are prohibited from posting or transmitting to or through this Website and/or Mobile Application: (i) any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Website and Mobile Applications.

Privacy policy
We are committed to protecting your privacy and we treat your privacy very seriously. We process information about you in line with our Privacy Policy. By using this Website or Mobile Applications, you agree to the way in which we process and deal with your personal information. We may disclose your personal information or access your account if required to do so by law, any court, any financial services authority, or any other applicable regulatory, compliance, governmental or law enforcement agency.

Our BFSI Partner Principals
Our display of loan, mutual funds, credit card, insurance and other financial products, offered by third parties, on the Website and or Mobile Applications does not in any way imply, suggest, or constitute any sponsorship, recommendation, opinion, advice or approval of from us against such third parties or their products. You agree that we are in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these third parties. Your interaction with any third party accessed through the Website is at your own risk, and we will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.

You agree and acknowledge that the credit shall be at our sole discretion and financial partners (lenders, credit card companies, insurance and mutual fund companies) while making any application through the Website for a financial product offered by such financial partners; we shall not be held liable for any delay, rejection or approval of any application made through our Website or Mobile Apps.

Disclaimer
The Website and/or Mobile Application and all content and Services are provided on an "as is" and "as available" basis. We expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance. We make no warranty, and expressly disclaims any obligation, that: (a) the content will be up-to-date, complete, comprehensive, accurate or applicable to your circumstances; (b) The Website will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the Website or any Services offered through the Website will be accurate or reliable; or (d) the quality of any products, services, information, or other material obtained by you through the Website will meet your expectations.

Limited liability
We will use reasonable endeavours to ensure that the data, material and information on this Website or Mobile Application is accurate and to correct any errors or omissions as soon as practicable after being notified of them. However, we are not able to guarantee that the data, material and information on this Website or Mobile Applications is accurate or that there are no errors or omissions in the data, material and information.

The content products and/or services published on this Website or Mobile Applications or shared by any business associate(s) may include inaccuracies or errors, including pricing errors. We do not guarantee the accuracy of, and disclaim all liability for any errors or other inaccuracies relating to the information and description of the content, products, and services. All such information, software, products, and/or services are provided "AS IS" without warranty of any kind. We do not monitor, verify or endorse data, material and information submitted or provided by third parties which is included on the Website or Mobile Application and you should be aware that such information may be inaccurate, incomplete or out of date. In particular, we do not monitor, verify or endorse the information or quotations collected from the product and service providers as presented to you on the Website or Mobile Application. We are not responsible for any data, material or information included on the Website or Mobile Application which has been provided by third parties. We disclaim all warranties and conditions that this Website or Mobile Application, its services or any email sent from We, our affiliates, and/or their respective suppliers/agents are free of viruses or other harmful components.

We have provided information/data base on the Website or Mobile Applications on an "as is where is " basis. We expressly disclaim all warranties, express or implied, including, but not limiting to implied warranties of merchantability, fitness for a particular purpose and non-infringement. We are not responsible for any losses or damages arising from an inability to access the Website or Mobile Application, from any use of the Website or Mobile Application or from reliance on the data transmitted using the Website or Mobile Application where such losses or damages are caused by any event beyond our reasonable control including as a result of the nature of electronic transmission of data over the internet.

We are not responsible or liable for any direct and/or indirect losses or damages suffered or incurred by you or for any losses or damages suffered or incurred by you which were not foreseeable by us when you accessed or used the Website or Mobile Application. Please be aware that by submitting your details, you are making an offer to obtain the relevant product or service from the relevant third party on its terms and conditions that may be accepted or rejected.

The contract for the products and services by respective financial service provider will deemed to be concluded once your request /application has been accepted, processed, approved and documentation for service agreements has been signed .You will receive confirmation when your request /application has been accepted. In case your request/application for any product or service is declined or in case your request/application for any product or service is declined even after your acceptance of offer /approval/sanction for any reason, we are not responsible or liable for any losses or damages suffered or incurred by you in the process. However, we will take all endeavours to get you another best deal as per your requirement by sharing your details with other Banks, NBFCs, HFCs and Financial Institutions, Financial Services Companies or third party but again we are not liable or responsible if we are unable to provide you product or service as per your requirement. Some of our channels will provide you with access to third party Website or Mobile Application who will host reviews about some of the products and/or services available. We are not responsible or liable for any loss or damage you may suffer or incur in connection with your use of any third party Website or Mobile Applications or their reviews for any acts, omissions, errors or defaults of any third party in connection with their Website or Mobile Applications.

You can apply for a number of products and/or services via this Website or Mobile Applications. These services are not provided by us but are instead provided by third parties over whom we do not have control. It is your responsibility to satisfy yourself that you wish to obtain any product or service before doing so. We are not responsible or liable for any loss or damage you may suffer or incur in connection with any product or service you obtain after using this Website or Mobile Application or for any acts, omissions, errors or defaults of any third party in connection with that product or service.

Please be aware that the information and descriptions of products and/ or services on this Website or Mobile Application may not represent the complete descriptions of all the features and terms and conditions of those products and/ or services. You must ensure that you carefully read all the features and terms and conditions of any product or service before applying for it. If you apply for and obtain any product or service, you will be contracting with a third party who will be providing that product or service to you on their own terms and conditions. It is your responsibility to ensure that you understand and agree with those terms and conditions before entering into a contract to obtain that product or service.

We are not responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions applying to any contract entered into by you with any third party in relation to any product or service or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions.

Any links to third party Website or Mobile Application are provided for your interest and convenience only. We do not endorse, recommend or accept responsibility for such third parties, their products and/ or services, their Website or Mobile Application or for any information, opinions or views given or advice provided by such third parties (whether on their Website or Mobile Application s or otherwise).

Your use of any third party Website or Mobile Application will be governed by the terms and conditions of use and privacy policy applicable to that Website or Mobile Application. Such terms and conditions of use and privacy policy will be different from these Terms and our Privacy Policy. It is your responsibility to ensure that you understand and agree with the terms and conditions of use and privacy policy of any third party Website or Mobile Application before using that Website or Mobile Application. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions of use or the privacy policy applying to any third party Website or Mobile Application or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions of use and/or privacy policy. Any views, opinions, advice or assistance which is given or provided to you by a third party after you have used this Website or Mobile Application do not represent our views, opinions, advice or assistance and are not checked, monitored, reviewed, verified or endorsed by us.

We do not endorse, recommend or take responsibility for any third party who provides you with any views, opinions advice or assistance. You act or refrain from acting on any third party's views, opinions, advice or assistance at your sole risk and sole discretion and you are solely responsible for any decision to act or refrain from acting on such views, opinions, advice or assistance. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice or assistance including in relation to their accuracy, truthfulness or completeness or for any acts, omissions, errors or defaults of any third party in connection with such views, opinions, advice or assistance. We are not liable for the acts, errors, omissions, representations, warranties, breaches or negligence of any kind of our affiliates or any business associate(s) or for any personal injuries, death, property damage, or other damages or expenses resulting therefore. We and/or our affiliates have no liability and will make no refund in the event of any delay, cancellation, strike, force majeure or other causes beyond their direct control, and they have no responsibility for any additional expense, omissions, delays or acts of any government or other authority.

In no event shall we and/or our affiliates be liable for any direct, indirect, punitive, incidental, special, or consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of, or in any way connected with, your access to, display of or use of this Website or Mobile Application or with the delay or inability to access, display or use this Website or Mobile Applications (including, but not limited to, your reliance upon opinions appearing on this Website or Mobile Applications; any computer viruses, information, software, linked sites, products, and services obtained through these site; or otherwise arising out of the access to, display of or use of these sites) whether based on a theory of negligence, contract, tort, strict liability, or otherwise. Please be aware that whilst this Website or Mobile Applications provide information on a wide range of products or services, there may be other products or services available on the market which are not shown on this Website or Mobile Applications and which may be more appropriate or suitable for you than those shown on this Website or Mobile Applications.

Indemnity
You agree to indemnify and hold us (and our officers, directors, agents and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this Terms, your violation of any law or the rights of a third party, or your use of the Website and/or Mobile Application.

Other Terms
You may not assign or otherwise transfer your rights or obligations under these terms. We may assign our rights and duties under these Terms without any such assignment being considered a change to the Terms and without any notice to you. If we fail to act on your breach or anyone else's breach on any occasion, we are not waiving our right to act with respect to future or similar breaches. Other terms and conditions may apply to loans, or other financial products that you may apply on the Website or Mobile Applications. You will observe these other terms and conditions. The laws of the India, without regard to its conflict of laws rules, will govern these terms, as well as your and our observance of the same. If you take any legal action relating to your use of the Website Mobile Apps and or these terms, you agree to file such action only in the courts located in Bangalore, India. In any such action that we may initiate, the prevailing party will be entitled to recover all legal expenses incurred in connection with the legal action, including but not limited to costs, both taxable and non-taxable, and reasonable attorney fees. You acknowledge that you have read and have understood these Terms, and that these Terms have the same force and effect as a signed agreement.

Updated on : 17th January , 2019