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TERMS AND CONDITIONS

LEGAL NOTICE

By accessing and using the website as well as any other media form, mobile website or mobile application related, linked or otherwise connected thereto (Collectively, the "site") , Users (each, a "user") shall accept and agree to be bound by the terms and conditions ("Terms") of this agreement. In addition, when using the particular service of the site, Users shall be subject to any posted guidelines or rules applicable to such services, which may be posted and modified from time to time.

ANY PARTICIPATION IN THE SITE WILL CONSTITUTE ACCEPTANCE OF THIS AGREEMENT. IF USER DO NOT AGREE TO ABIDE BY THE ABOVE, PLEASE DO NOT USE THIS SITE. ANY TERMS AND CONDITIONS RELATING TO THE LOAN SCHEMES OF THE AAVAS FINANCIERS LIMITED ("Aavas") OTHER THAN THESE TERMS WILL CONTINUE TO APPLY.

DISCLAIMER

  • Although Aavas tries to ensure that all information and recommendations, whether in relation to the home loan products, services, offerings or otherwise (hereinafter "Information") provided as part of this site is correct at the time of its inclusion, Aavas does not guarantee the accuracy of the Information;
  • Aavas tries to update or correct any information that appears on the Internet or on the site. Aavas makes no commitment to update or correct any Information that appears on the Internet or on this site;
  • Users shall use this site or any information available is at their own risk. Neither Aavas nor their employees or agents shall be liable for any loss, damage or expense arising out of any access to, use of the site or the Information;
  • Aavas, for valid reasons, may refuse to execute any application/instruction submitted by the Users;
  • The quote/ in principle approval is tentative, and Aavas assumes no liability for such quote, which is based on the inputs provided by the User. Further, loan eligibility may vary depending upon changes in interest rate, margin, processing fee and/or terms and conditions of the respective loan scheme;
  • The validity period of such "Approval in Principle" would be 90 days, subject to submission and fulfillment of all required document for proposed loan. The applicant will also have to provide Collateral Security and Third Party Guarantee for sufficient value, wherever applicable.

SOFTWARE COMPATIBILITY

The Aavas may advise its user to update, from time to time the internet software, mobile software or mobile application, which are required for using services of Aavas available at site. Although, there will be no obligation on the part of the Aavas to support all the versions of such internet software, mobile software or mobile application.

CYBER CRIME

While Aavas shall endeavor to protect the interest of its users against cyber-crimes, there cannot be any guarantee against such cyber-crimes and other actions that might affect security of information. The Users shall separately evaluate all such risks and Aavas shall not be held responsible for any losses arising out of such cyber-crimes. The Users also understand that doing a transaction at a cyber-cafe/shared computer terminal/unsecured wi-fi is risky, and shall avoid using the services of a cyber-cafe/shared computer terminal/unsecured wi-fi to use the services of Aavas, available at site.

TECHNOLOGY RISKS

The site may require maintenance and during such periods, it may not be possible to process the requests of users. This could result in delays and/or failure in processing instructions. The Users understand that Aavas disclaims any and all liability, whether direct or indirect, whether arising out of loss or otherwise arising out of any failure or inability by the Aavas to honor any instruction by users for whatsoever reason.

INFORMATION REQUIRED FOR TRANSACTION PROCESSING

The User shall be responsible for submitting necessary documents and/or information as Aavas may require along with any request for any service available at site. If any request for a service is such that it cannot be given effect to unless it is followed up by requisite documentation, Aavas shall not be required to act upon the request until it receives such documentation from the User.

AUTHORITY TO AAVAS

By giving an authority to Aavas, agreeing to be contacted by the Aavas or their representative, the applicant understands that he/ she has permitted the Aavas or their representative to contact him/her over phone / email in connection with his/her loan application/ partial application/enquiry and the Aavas shall not be liable for breach of the applicant’s mandate for "Do not Disturb", if any.

ACCURACY OF INFORMATION

A user shall provide such information as the Aavas may from time to time, reasonably request for the purposes of providing the services of Aavas through site. The User is responsible for correctness of information supplied to the Aavas. The Aavas accepts no liability for consequences arising out of erroneous/incomplete/incorrect information provided by the User. If the User suspects that there is an error in the information supplied to the Aavas by him/her, he/she shall inform the Aavas at the earliest. The Aavas will endeavor to correct such errors wherever possible on a ‘best efforts’ basis. If the User notices an error in the loan application provided to him/her through the service, he shall inform the Aavas at the earliest.

LIABILITY OF THE USER

The User shall be liable for:

  • Non-compliance of Terms mentioned herein;
  • If he/she has breached the Terms or contributed or caused any loss by his/her negligent actions.

INDEMNITY

The User agrees to indemnify, hold harmless and defend the Aavas against any loss and damages that may be caused from or relating to:

  • Breach of Terms mentioned herein;
  • Improper use of the services available at site by a User/applicant;
  • The use of products/ services available at site in any manner which violates the mentioned Terms or otherwise violates any law, rule, conditions or regulation.

DISCLOSURE OF PERSONAL INFORMATION

The User agrees that the Aavas or its service providers may hold and process his/her Personal/Technical Information on Computer or otherwise in connection with services available at site as well as for statistical analysis.

The User agrees that the Aavas may collect User system related information. The User also agrees that the Aavas may disclose, in strict confidence, to other institutions, such Personal Information as may be reasonably necessary for reasons inclusive of, but not limited to, the following:

  • In compliance with legal, regulatory and/or National Housing Bank’s directives;
  • For fraud prevention purposes.

AMENDMENTS

The Aavas has the absolute discretion to amend or supplement any of the Terms at any time, without prior notice. However the Aavas will endeavor to notify any such change by posting it on the site or through advertisement or any other means as the Aavas may deem fit which shall be binding on the users. The existence and availability of the new functionalities/facilities/features will be notified to the users as and when they are made available. By using these new services, the users agree to be bound by the Terms applicable therefore.

PROPRIETARY RIGHTS

The users acknowledge that the software underlying the services of Aavas as well as other Internet related software which are required for accessing services of Aavas through site is the legal property of the Aavas/the respective service providers. The permission given by the Aavas to access services of Aavas through site will not convey any proprietary or ownership rights in the above software.
The User shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software underlying the services of Aavas through site nor create any derivative product based on the software.

INTELLECTUAL PROPERTY RIGHTS

The copyrights, trademarks, logos, slogans and service marks displayed on the site are registered and unregistered intellectual property rights of the Aavas or of the respective intellectual property right owners. Nothing contained on the site should be construed as granting, by implication, estoppels or otherwise, any license or right to use any intellectual property displayed on the site without the written permission of the Aavas or such third party that may own the intellectual property displayed on the site.

Aavas grants the right to access the site to the user and to use the services of Aavas through site in accordance with the Terms mentioned herein. The user acknowledges that the Services including, but not limited to, text, content, photographs, video, audio and/or graphics, are either the property of, or used with permission by, the Aavas and/or by the content providers and may be protected by applicable copyrights, trademarks, service marks, international treaties and/or other proprietary rights and laws of India and other countries, and the applicable Terms.
The user should assume that everything he/she views or reads on the site (collectively referred to as "content") is copyrighted/ protected by intellectual property laws unless otherwise provided and may not be used, except as provided in these Terms, without the prior written permission of the Aavas or the relevant copyright owner.

Any breach of the restrictions on use provided in these terms is expressly prohibited by law, and may result in severe civil and criminal penalties. Aavas shall be entitled to obtain equitable relief (including all damage, direct, indirect, consequential and exemplary) over and above all other remedies available to it, to protect its interests therein.

NOTICES

Notice under these Terms to the user may be given through any medium of communication as may be deemed appropriate by the Aavas i.e. Aavas’s website (www.aavas.in) or email, SMS, public notification at Branches, notification on app or through newspapers, radio, TV, etc. Such notices will have the same effect as a notice served individually to each user.

FORCE MAJEURE

Aavas shall not be liable for delay in performing or failure to perform any of its obligations under these Terms which is caused by circumstances beyond its reasonable control, including, but not limited to, the failure, malfunction or unavailability of telecommunications, data communications and/or computer systems and services, natural calamities, war, civil unrest, government action, strikes, lock-outs and/or other industrial action or trade disputes (whether involving the Aavas’s employees or those of a third party). Any delay or failure of this kind will not be deemed to be a breach of the Terms and the time for performance of the affected obligation will be extended by a period which is reasonable in the circumstances.

APPLICABLE LAW AND JURISDICTION

These terms are governed by and to be interpreted in accordance with laws of India, without regard to the choice or conflicts of law provisions of any jurisdiction. User agrees in the event of any dispute arising in relation to these terms and conditions or any dispute arising in relation to the web site whether in contract or tort or otherwise, to submit to the jurisdiction of the courts located at Jaipur, India for the resolution of all such disputes.

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