Terms And Conditions

Advit Realinfo Private Limited

INTRODUCTION

Welcome to Advit Realinfo Private Limited ("we," "us," "our," or "the Company"). These Terms and Conditions ("Terms") govern your use of our website, services, and any interactions with our company. By accessing our website or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with these Terms, please do not use our services.

DEFINITIONS

Client (also referred to as Customer or You) refers to any individual or entity that uses or accesses our services.
Services refers to loan facilitation, advisory, and related financial services provided by Advit Realinfo Private Limited.
Lender refers to banks, Non-Banking Financial Companies (NBFCs), and other financial institutions with whom we have partnerships.
Loan Products include but are not limited to Home Loans, Loan Against Property, Personal Loans, Business Loans, Car Loans, and Approved Project Financing.
Website refers to our online platform and all associated digital properties.

NATURE OF SERVICES

Facilitation Services

Advit Realinfo Private Limited is a loan facilitation and advisory service provider.
We act as an intermediary between customers and lending institutions.
We are NOT a lender, bank, or NBFC.
We do NOT provide loans directly from our own funds.

Advisory Role

We provide guidance, information, and assistance in loan application processes.
We help match customers with suitable loan products based on their profiles.
We facilitate documentation and communication with lenders.
Final loan approval and disbursement decisions rest solely with the lending institution.

No Guarantee

We do NOT guarantee loan approval from any lender.
We do NOT guarantee specific interest rates, loan amounts, or terms.
Each application is subject to the lender's independent assessment and approval process.

ELIGIBILITY AND CUSTOMER OBLIGATIONS

Eligibility Criteria

Customers must be at least 18 years of age (or the age of majority in their jurisdiction).
Customers must be Indian residents or Non-Resident Indians (NRIs) as applicable.
Customers must have legal capacity to enter into binding contracts.
Customers must meet the specific eligibility criteria set by lenders.

Customer Responsibilities

Provide accurate, complete, and truthful information in all applications and documents.
Submit genuine, unaltered, and valid documents as required.
Disclose all existing liabilities, loans, and financial obligations.
Inform us immediately of any changes in financial circumstances, employment, or contact details.
Respond promptly to requests for additional information or documentation.
Attend meetings, property valuations, or verification processes as required by lenders.

Prohibited Actions

Provide false, misleading, or fraudulent information.
Submit forged, altered, or fabricated documents.
Misrepresent income, employment, assets, or liabilities.
Apply for loans with malicious intent or without genuine need.
Use our services for any illegal or unauthorized purposes.
Harass, abuse, or threaten our staff or representatives.

INTEREST RATES AND LOAN TERMS

All interest rates displayed on our website or communications are indicative only.
Actual interest rates are determined solely by the lending institution.
Rates are subject to change based on market conditions, RBI policies, and lender discretion.
Rates vary based on individual credit profiles, loan amounts, tenures, and other factors.

No Rate Guarantee

We do NOT guarantee any specific interest rate.
Published rate ranges are for informational and reference purposes only.
Final rates are communicated by lenders during sanction/approval stage.

Loan Terms

All loan terms, conditions, processing fees, and charges are determined by lenders.
We provide information about various loan products but do not set terms ourselves.
Customers must review and accept lender-specific terms before proceeding.

FEES AND CHARGES

Banks and NBFCs charge their own processing fees, legal charges, valuation fees, and other costs.
These fees are paid directly to lenders and are not controlled by Advit Realinfo.
We will inform you about typical lender charges, but exact amounts are determined by lenders.
No hidden charges will be levied by Advit Realinfo. All costs will be explained before proceeding.

DATA PRIVACY AND CONFIDENTIALITY

Information Collection

We collect personal, financial, and documentary information necessary for loan processing.
Information collected includes but is not limited to: name, contact details, income details, employment information, bank statements, identity proofs, and credit history.

Use of Information

Information is used solely for processing loan applications, communication with lenders, advisory services, compliance, and service improvement.

Information Sharing

We share information with lenders and credit bureaus as required.
We do NOT sell, rent, or trade personal information for marketing.

Data Security

Reasonable security measures are implemented.
No method is 100% secure; users accept inherent risks.

Data Retention

Data retained as required by law and regulation.
Deletion requests honored subject to compliance requirements.

IMPORTANT NOTICE

IMPORTANT NOTICE:

These Terms and Conditions are legally binding. Please read them carefully before engaging our services. By clicking "I Accept," submitting an application, or using our services, you confirm your acceptance of these Terms.