Terms of Service

1. Acceptance of Terms

These Terms constitute a binding legal agreement between you (the "User", "you", "your") and Moneasy Financial Services ("we", "us", "our"). By accessing the Site, submitting a form, calling, messaging, or otherwise interacting with us, you confirm that you have read, understood, and accepted these Terms in full, along with our Privacy Policy.

If you do not agree to any part of these Terms, you must immediately discontinue use of the Site and our Services.

2. About Us

HomeLoanPune.in is a consumer-facing brand operated by Moneasy Financial Services, a financial services firm based in Pune, Maharashtra, India.

We act as a Direct Selling Agent (DSA) / channel partner for our empanelled banks and Non-Banking Financial Companies (NBFCs). We are not a lender and do not directly issue, sanction, or disburse loans. All loan products, interest rates, processing fees, eligibility criteria, and approval decisions are determined and offered solely by the respective lender.

3. Nature of Services

Our Services include:

• Free home loan eligibility assessment
• Comparison of home loan offers across multiple banks and NBFCs
• Negotiation with lenders on your behalf, where possible
• Documentation collection, verification, and submission to the selected lender
• Coordination of legal verification, valuation, and disbursement processes
• Guidance on home loan top-up, balance transfer, and loan against property
• Free home loan calculators and educational content for informational purposes

We do NOT offer:

• Direct loan disbursement (this is done solely by banks and NBFCs)
• Investment, insurance, mutual fund, or financial products outside home loan consultancy
• Tax, legal, real estate, or property valuation advice — please consult qualified professionals for these
• Guarantees of loan approval, specific interest rates, or sanctioned amounts

4. Eligibility to Use

To use our Site and Services, you confirm that you:

• Are at least 18 years of age
• Have the legal capacity to enter into binding contracts under Indian law
• Are a resident of India, or a Non-Resident Indian (NRI) eligible to take a home loan in India
• Are not barred by Indian law, regulation, or court order from receiving banking or financial services
• Will provide truthful and accurate information about yourself

If you do not meet these criteria, you may not use our Services.

5. Your Responsibilities

By using the Site or Services, you agree to:

• Provide accurate, complete, and current information in all forms, communications, and documentation
• Update us promptly if any information you have provided changes
• Cooperate fully with the lender's documentation, verification, and KYC requirements
• Not misrepresent your identity, income, employment, financial position, or any other material fact
• Use the Site and Services only for lawful purposes
• Treat our team and partners with reasonable courtesy

6. Indicative Information & No Guarantees

All information published on the Site — including interest rates, processing fees, EMI calculations, eligibility figures, loan amounts, approval timelines, project details, and bank-specific terms — is indicative only and subject to change without notice. Specifically:

• Rates displayed (e.g., "from 7.25%") represent the lowest published rates by partner lenders. Your actual rate depends on your CIBIL score, income, employment type, loan amount, property type, and lender policies at the time of application.
• Eligibility figures from our calculators are estimates based on standard assumptions. The actual loan amount sanctioned is determined solely by the lender's internal credit policy.
• Approval timelines (e.g., "48 hours") are achievable for qualifying profiles with complete documentation and bank-empanelled projects. Actual timelines may vary based on the lender, document completeness, property legal status, valuation, and other factors outside our control.
• Pre-approved project listings reflect bank empanelment status as of the date listed. Empanelment can change; you should verify current status with the lender or builder before booking any property.
• Bank partner lists, fees, and offer details are subject to ongoing review and may change without notice.

We make no representation or warranty that any loan application submitted through us will be approved by any lender. Loan approval is at the sole discretion of the lender based on their internal credit policy and applicable RBI guidelines.

7. Our Service Is Free for Borrowers

Our home loan consultancy services are offered free of charge to borrowers. We are compensated by the partner bank or NBFC as a Direct Selling Agent / channel partner upon successful loan disbursement. This is a standard, regulated industry arrangement.

Please note that you may still be required to pay the following directly to the relevant party:

• Bank processing fees — charged by the lender, typically 0.25% – 1% of loan amount
• Legal and valuation fees — charged by the legal/valuation agency engaged by the lender, where applicable
• Stamp duty and registration charges — statutory charges payable to the State Government
• Insurance premiums — only if you opt for property insurance, life insurance, or loan-protection insurance

We will disclose all known charges to you before you commit to an application. We do not charge you any fee at any stage of the consultancy process.

8. Lender Relationships

We work with 30+ banks and NBFCs as empanelled DSA partners. While we strive to recommend the most suitable lender for your profile, we cannot:

• Guarantee that we work with every bank or NBFC operating in India
• Influence the lender's internal credit decisioning, rate setting, or loan terms
• Modify the lender's standard processing fees or other charges
• Cancel, alter, or amend a sanctioned loan once disbursed
• Mediate disputes between you and the lender after disbursement

The loan agreement is solely between you and the lender. We are not a party to that agreement and disclaim any liability arising from its terms or its performance.

9. Intellectual Property

All content on the Site — including text, graphics, logos, page designs, calculators, articles, photographs, schema, and code — is the property of Moneasy Financial Services or our licensors and is protected by Indian copyright, trademark, and other intellectual property laws.

9.1 Permitted Use

You may:

• View, share, and print pages for personal, non-commercial use
• Reference our content with proper attribution and a link back to the source

9.2 Prohibited Use

You may NOT:

• Copy, reproduce, modify, distribute, publish, or republish our content for commercial use without prior written consent
• Use our trademarks, logos, brand name, or domain in any manner that could cause confusion
• Scrape, crawl, harvest, or extract data from the Site by any automated means
• Reverse engineer, decompile, or attempt to derive source code from any part of the Site
• Use the Site or our content to train, develop, or fine-tune AI models without our prior written permission

10. Prohibited Conduct

When using the Site or our Services, you agree NOT to:

• Submit false, misleading, fraudulent, or stolen information
• Impersonate another person or entity, or misrepresent your affiliation with any person or entity
• Use the Site to harass, defame, threaten, or harm any individual or organisation
• Upload viruses, malware, ransomware, or any other harmful code
• Attempt to gain unauthorized access to our systems, accounts, or data
• Use automated tools — bots, crawlers, scrapers — to access or interact with the Site
• Interfere with the proper operation, security, or availability of the Site
• Engage in money laundering, terrorist financing, or any activity that violates Indian law
• Violate any applicable Indian or international law or regulation

We reserve the right to refuse Service, suspend or terminate access, and pursue all available legal remedies against any user who violates these Terms.

11. Third-Party Links and Content

The Site may contain links to third-party websites — banks, NBFCs, builders, government portals, news sources, and others. These links are provided for convenience and informational purposes only. We do not control, endorse, sponsor, or assume responsibility for the content, privacy practices, or terms of any third-party site.

Once you click out of our Site, our Privacy Policy and these Terms no longer apply. Review the third party's policies before sharing any data or transacting.

12. Disclaimers

To the maximum extent permitted by Indian law:

• The Site and Services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied
• We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components
• We make no warranties regarding the accuracy, completeness, reliability, or currentness of any information on the Site
• Any reliance you place on information from the Site is strictly at your own risk
• We are not responsible for decisions you make — including investment, property purchase, or loan-related decisions — based on information provided through the Site
• We do not guarantee any specific outcome from using our Services, including loan approval, specific rates, or specific timelines

13. Limitation of Liability

To the maximum extent permitted by Indian law:

• Moneasy Financial Services, its directors, officers, employees, agents, and partners shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of profits, business opportunity, goodwill, data, or other intangible losses
• Our total cumulative liability arising from your use of the Site or Services shall not exceed any fees you have actually paid to us — which, in our consultancy model, is typically zero
• We are not liable for losses arising from third-party actions, including (without limitation) bank decisions, builder defaults, market conditions, regulatory changes, force-majeure events, or government policy changes
• We are not liable for any loss caused by your reliance on indicative information published on the Site

Some jurisdictions do not allow the exclusion or limitation of certain damages. To the extent any limitation here is held unenforceable, our liability will be limited to the maximum extent permitted by law.

14. Indemnification

You agree to indemnify, defend, and hold harmless Moneasy Financial Services, its directors, officers, employees, agents, and partners from and against any and all claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from or related to:

• Your breach of these Terms or our Privacy Policy
• Your violation of any applicable law, regulation, or third-party right
• Misrepresentation of information by you
• Misuse of the Site or Services
• Any unauthorized access to or use of your account or credentials caused by your failure to maintain reasonable security

15. Modifications to Terms

We may revise these Terms from time to time to reflect changes in our practices, services, or applicable law. The "Last Updated" date at the top of this page reflects the most recent revision. For material changes, we will provide reasonable notice through a prominent notice on the Site or by email. Your continued use of the Site or Services after the effective date of any changes constitutes your acceptance of the revised Terms.

16. Termination

We may suspend, restrict, or terminate your access to the Site or Services at our sole discretion, with or without cause and with or without notice — including (without limitation) where we believe you have violated these Terms, engaged in fraudulent or unlawful conduct, or where required by law or regulation.

Upon termination, your right to use the Site ceases immediately. Provisions that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, indemnification, governing law, and dispute resolution — shall survive.

17. Governing Law & Jurisdiction

These Terms are governed by and construed in accordance with the laws of India, without regard to its conflict-of-law principles. You agree that any dispute, claim, or controversy arising from or relating to these Terms or your use of the Site or Services shall be subject to the exclusive jurisdiction of the competent courts in Pune, Maharashtra, India.

18. Dispute Resolution

Before initiating any legal proceedings, you agree to first attempt to resolve any dispute by contacting our Grievance Officer (Section 19) in good faith. If the dispute cannot be resolved within 60 days of written notice, either party may pursue legal remedies in accordance with Section 17.

Nothing in this section prevents either party from seeking equitable or injunctive relief in a court of competent jurisdiction.

19. Grievance Officer

For any complaints, grievances, or concerns regarding the Site, our Services, or these Terms:

We will acknowledge complaints within 7 working days and respond within 30 working days, in accordance with applicable Indian regulations.

20. Severability

If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. Any invalid provision shall be modified to the minimum extent necessary to make it enforceable while preserving its original intent.

21. Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and us regarding the Site and Services. They supersede all prior or contemporaneous understandings, agreements, or representations, whether written or oral.

22. Contact Us

For any questions regarding these Terms of Service:

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