Terms & Conditions

www.mortgageworld.in (“Website”) is owned and operated by Sapthasathi Consultation Private Limited, a private company limited by shares and registered under the provisions of the Companies Act, 2013 with CIN U74999MH2019PTC325119 (“We”/ “Company”).

By visiting our Website you, the user (hereinafter referred to as “you/your/user/users”) expressly agrees to be bound by the following terms and conditions as applied to your use of the Website and you are deemed to have read and understood all of its contents and implications. You also represent that you are at least 18 years of age or older.

You also acknowledge that we may change these terms and conditions at any time without prior intimation. Your continued use of Website shall be deemed to mean that you accept any new or amended terms and conditions that we may update. You are advised to re-visit the “Terms of Use” or “Terms and Conditions” link at our Website from time to time to stay abreast of any changes that we may introduce.

The term mortgageworld.in is used through this entire document to refer to the website, its owners and/or the employees and associates of the owner

REGISTRATION

By registering for [any] login portal in the Website, you certify that all information you provide, now or in the future, is true, accurate current and complete. You are responsible for maintaining the confidentiality of your account and password.

GRANT OF ACCESS

  • Mortgageworld.in, hereby grants you a limited, non-exclusive, non-assignable and non-transferable license to access the Website, provided that all such use and access shall be in strict compliance of the terms and conditions set forth in this Agreement.
  • You understand that the Website would store certain information of yours which would be subject to the Privacy Policy and Cookie Policy. Please take a moment to review these policies which form a vital and integral part of these Terms and Conditions.
  • When / While using the website in whatsoever manner, you shall also be subject to the Website’s Privacy Policy, Cookie Policy and such other additional guidelines, policies or rules formulated in accordance with the laws prevalent in India or the country of from which you are accessing, all of which shall be part of these Terms and Conditions and are hereby incorporated by reference. Further, users shall not:

Access (or attempt to access) any service by any means other than as permitted in this Agreement and by the law; or

Circumvent, disable or otherwise interfere with security related features or features that prevent or restrict use or copying of any Content or third party content or enforce limitations on use of the website or the content and third party content therein.

  • We reserve the right, in our sole discretion, to deny you access to this Website or any portion thereof without prior notice for any of the following reasons:

For any unauthorized access or use of the Website by you;

If you assign or transfer (or attempt the same) any of the rights granted to you under this Agreement; or

If you violate any of the other terms and conditions of this Agreement.

  • User shall not host, display, upload, modify, publish, transmit, update or share any information that:

Belongs to any other person and to which such User does not have any right to;

Is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, pedophilic, libelous, invasive of another's privacy, hateful, or racially , ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever;

Harm minors in any way;

Infringes any patent, trademark, copyright or other proprietary rights;

Violates any law for the time being in force;

Deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;

Impersonates another person; or

Contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource.

INTELLECTUAL PROPERTY & NO RETRANSMISSION OF INFORMATION:

  • Mortgageworld.in as well as the design and information contained in this Website is the valuable, exclusive property of the Company, and nothing in this Agreement shall be construed as transferring or assigning of any such rights of any content, code, data or materials to you or any other person or entity. All information relating to financial products/ facilities including but not limited to home loans, personal loans, LAP, LRD etc. provided on Mortgageworld.in is the intellectual property of Mortgageworld.in. You agree not to repeat or rebroadcast in any manner whatsoever any of the product information made available on Mortgageworld.in for any reason whatsoever. You agree that if you do repeat or re-post any of mortgageworld.in product information by any means, you will be liable for actual, punitive or additional damages as determined by mortgageworld.in and/or by an appropriate court of Law in India.
  • ‘MortgageWorld’ trademarks logos, images, service marks, trade names (collectively the "Trademarks") and other distinctive branding features displayed on the Website or on content available through the Website are registered and unregistered Trademarks of Company and shall not be used in connection with products and/or services that are not related to, associated with, or sponsored by their rights holders that are likely to cause customer confusion, or in any manner that disparages or discredits their rights holders. All Trademarks not owned by Company that appear on the Website or on or through the Website's services, if any, are the property of their respective owners. Your misuse of the Trademarks displayed on the Website or on or through any of the Website's services is strictly prohibited.
  • You acknowledge and agree that you shall not, directly or indirectly:

Resell, redistribute, broadcast or transfer the information or use the information in a searchable, machine-readable database unless separately and specifically authorized in writing by mortgageworld.in prior to such use;

Rent, lease, sublicense, distribute, transfer, copy, reproduce, publicly display, publish, adapt, store or time-share any information, content or part thereof, provided on mortgageworld.in, or any of the information received or accessed therefrom to or through any other person or entity unless separately and specifically authorized in writing by mortgageworld.in or the Company, prior to such use;

Remove, alter or obscure any copyright, legal or proprietary notices in or on any portions of mortgageworld.in without prior written authorization, except as provided herein, any other use of the information contained in this site requires the prior written consent of the Company and may require payment of a separate fee;

Alter, reverse engineer, modify or create any works of the Website or any other similar intellectual property on the Website;

Attempt to discover or expose the source code underlying any intellectual property used in the Website;

Access the website to build a product using similar ideas, features, functions, interface or graphics;

Attempt to gain unauthorized access to Company’s computer systems or engage in any activity that disrupts, diminishes the quality of, interferes with the performance of, or impairs the functionality of the Website

Remove any copyright or other proprietary notations or any legal notices from the Website;

Develop, invoke, or utilize any code to disrupt, diminish the quality of, interfere with the performance of, or impair the functionality of the Website; or

Authorize or encourage or permit any third party to use the Website to facilitate any of the foregoing prohibited conduct.

NON-AVAILABILITY OF WEBSITE

  • Neither mortgageworld.in nor its/the Company’s directors, employees, affiliates, agents, representatives or subcontractors) shall be liable for any loss or liability resulting, directly or indirectly, from delays or interruptions due to electronic or mechanical equipment failures, telephone interconnect problems, defects, weather, strikes, walkouts, fire, acts of God, riots, armed conflicts, acts of war, cyber-attacks or other like causes including force majeure and those beyond the control of the Mortgageworld.in.

LIABILITY DISCLAIMER

You expressly agree that use of the Website and information provided therein is at your sole risk and consequence. The contents, information, software, products, features and services published on the Website may include inaccuracies or typographical errors and changes are periodically added to the contents therein. Mortgageworld.in and/or its respective suppliers may make improvements and/or changes in this web site at any time. The Website may be temporarily unavailable from time to time due to required maintenance, telecommunications interruptions, or other disruptions. Mortgageworld.in (and its owners, suppliers, consultants, advertisers, affiliates, partners, employees or any other associated entities, all collectively referred to as “Associated Entities” hereafter) shall not be liable to any user or member or any third party should mortgageworld.in exercise its right to modify or discontinue any or all of the contents, information, software, products, features and services published on its Website.

  • Neither mortgageworld.in nor its/the Company’s directors, employees, affiliates, agents, representatives or subcontractors) shall be liable for any loss or liability resulting, directly or indirectly, from delays or interruptions due to electronic or mechanical equipment failures, telephone interconnect problems, defects, weather, strikes, walkouts, fire, acts of God, riots, armed conflicts, acts of war, cyber-attacks or other like causes including force majeure and those beyond the control of the Mortgageworld.in.
  • In no event shall mortgageworld.in and/or its Associated Entities be liable for any direct, indirect, punitive, incidental, special or consequential damages arising out of or in any way connected with the use of the Website or any consequences arising out of information submitted by you or with the delay or inability to use the Website, or for any contents, information, software, products, features and services obtained through the Website, or otherwise arising out of the use of the Website, whether based on contract, tort, strict liability or otherwise, even if mortgageworld.in or any of its Associated Entities has been advised of the possibility of damages.

USE OF MESSAGE BOARDS, CHAT ROOMS AND OTHER COMMUNICATION FORUMS:

Website contains [message/bulletin boards, chat rooms, or other message or] communication facilities (including by email) (collectively referred to as "Forums"), you agree to use the Forums only to send and receive messages and material that are proper and related to the particular Forum. You agree that the Website shall not be liable for any messages or content posted by you and further agree that whilst using any Forum, you shall not do any of the following:

  • Defame, abuse, harass, stalk, threaten, troll or otherwise violate the legal rights (such as rights of privacy and publicity) of any other user or the Company’s representative;
  • Publish, post, distribute or disseminate any defamatory, infringing, obscene, indecent or unlawful material or information in any manner way or form;
  • Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity);
  • Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of the Website or of another's computer/ system or use of the Website;
  • Conduct, post, solicit or forward surveys, contests, or chain letters; or
  • Download any file posted by another user of a Forum that you know, or reasonably should know, cannot be legally distributed in such manner.

EQUIPMENT AND OPERATION

You shall provide and maintain all telephone/internet and other equipment necessary to access mortgageworld.in, and the costs of any such equipment and/or telephone/internet connections or use, including any applicable taxes, shall be borne solely by you. You are responsible for operating your own equipment used to access mortgageworld.in at your own risk, cost and consequence.

INFORMATION DISCLAIMER

  • You acknowledge and agree that the information and content provided through mortgageworld.in is compiled from sources, which are beyond the control of mortgageworld.in. Though such information is recognized by the parties to be generally reliable, the parties acknowledge that inaccuracies may occur and mortgageworld.in does not warrant the accuracy or suitability of the information. For this reason, as well as the possibility of human and mechanical errors and other factors related thereto, you expressly acknowledge that the use of mortgageworld.in and its information and services is provided to you on an "as is, with all faults" basis. Mortgageworld.in expressly disclaims any and all warranties, whether express, oral, implied, statutory or otherwise, of any kind to the users and/or any third party, including any implied warranties of accuracy, timeliness, completeness, merchantability and fitness for a particular purpose, as well as any warranties arising by virtue of custom of trade or course of dealing and any implied warranties of title or non-infringement. In addition, mortgageworld.in, whilst providing the information makes no endorsement of any particular finance instrument or facility, security, market participant, developers, client, brokerage, bank or interest. Further, mortgageworld.in does not represent or warrant that it will meet your requirements or is suitable for your needs and the suitability or appropriateness of the same shall be determined solely by you.
  • Under this Agreement, you assume all risk of errors and/or omissions in mortgageworld.in, including the transmission or translation of information. You assume full responsibility for implementing sufficient procedures and checks to satisfy your requirements for the accuracy and suitability of mortgageworld.in and the content/ information contained therein, and for maintaining any means, which you may require for the reconstruction of lost data or subsequent manipulations or analyses of the information under this Agreement.
  • You agree that mortgageworld.in (including its and their officers, directors, employees, affiliates, group companies agents, representatives, Associated Entities or subcontractors) shall not in any event be liable for any special, incidental or consequential damages arising out of the use or inability to use mortgageworld.in for any purpose whatsoever. Mortgageworld.in and it's Associated Entities, affiliates, officers, directors, employees and agents shall have no liability in tort, contract, or otherwise to any user and/or any third party.

LINKS TO THIRD PARTY SITES

The links in this Website will allow you to leave mortgageworld.in. The linked sites are not under the control of mortgageworld.in. Mortgageworld.in has not reviewed, nor approved these sites and is not responsible for the contents or omissions of any linked site or any links contained in a linked site. The inclusion of any linked site does not imply endorsement by mortgageworld.in of the site. Third party links to mortgageworld.in shall be governed by a separate agreement.

INDEMNIFICATION:

You shall indemnify, defend and hold harmless mortgageworld.in (including its and their Associated Entities, officers, directors, employees, affiliates, group companies, agents, representatives and subcontractors) from any and all claims and losses imposed on, incurred by or asserted as a result of or related to: (a) your access and use of mortgageworld.in (b) any non-compliance by user with the terms and conditions hereof; or (c) any third party actions related to users receipt and use of the information, whether authorized or unauthorized. Any clause declared invalid shall be deemed severable and not affect the validity or enforceability of the remainder. Mortgageworld.in retains the exclusive right to amend terms at any time at its sole discretion.

CONFLICTING TERMS:

If there is any conflict between this Agreement and other documents, this User Agreement shall govern, whether such other documents is prior to or subsequent to this Agreement, or is signed or acknowledged by any director, officer, employee, representative or agent of  mortgageworld.in.

ATTORNEY'S FEES:

If the Company or mortgageworld.in takes action (by itself or through its Associate Entities) to enforce any of the provisions of this Agreement, including collection of any amounts due hereunder, the Company or mortgageworld.in shall be entitled to recover from you (and you agree to pay), in addition to all sums to which it is entitled or any other relief, at law or in equity, including reasonable and necessary attorney's fees and any costs of any litigation.

ENTIRE AGREEMENT:

  • This Agreement constitutes the entire agreement between the parties, and no other agreement, written or oral, exists between you and mortgageworld.in. By using the information and/or content on mortgageworld.in, you assume full responsibility for any and all gains and losses, financial, emotional or otherwise, experienced, suffered or incurred by you. Mortgageworld.in does not guarantee the accuracy, completeness or timeliness of, or otherwise endorse in any way, the views, opinions or recommendations expressed or otherwise provided on the Website, does not give investment advice, and does not advocate the purchase or sale of any security, facility or investment by you or any other individuals. The Information is not intended to provide tax, legal or investment advice, which you should obtain from your professional advisor prior to making any investment of the type discussed or provided by the Company or mortgageworld.in. The information does not constitute a solicitation by the information providers, mortgageworld.in or other of the purchase or sale of securities or facilities.
  • The service is provided "as is with all faults," without warranty of any kind, either express or implied, including without limitation, any warranty for information, data, services, uninterrupted access, or products provided through or in connection with the service. Specifically, mortgageworld.in disclaims any and all warranties, including, but not limited to: (i) any warranties concerning the availability, accuracy, usefulness, or content of information, products or services; and (ii) any warranties of title, warranty of non-infringement, warranties of merchantability or fitness for a particular purpose. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tort, negligence, or under any other cause of action.
  • Neither mortgageworld.in nor any of its Associate Entities, employees, agents, successors, assigns, affiliates, group companies or content or service providers shall be liable to you or other third party for any direct, indirect, incidental, special or consequential damages arising out of use of service or inability to gain access to or use the service or Website or out of any breach of any warranty. Some countries do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. In such countries, the respective liability of mortgageworld.in, its employees, agents, successors, assigns, affiliates, group companies and content or service providers respective liability is limited to the amount provided under said law. Further, you agree and understand that all services and information provided through the Website are non-refundable and that you should carefully consider whether the offered services and/or information are suitable to meet your needs.

TERMINATION:

This User Agreement and the license rights granted hereunder shall remain in full force and effect unless terminated or canceled for any of the following reasons:

  • Immediately by mortgageworld.in for any unauthorized access or use by you;
  • Immediately by mortgageworld.in if you assign or transfer (or attempt the same) any rights granted to you under this Agreement; or
  • Immediately, if you violate any of the other terms and conditions of this Agreement. Termination or cancellation of this Agreement shall not affect any rights or relief to which mortgageworld.in may be entitled to, at law or in equity.

Upon termination of this Agreement, all rights granted to you will terminate and revert to mortgageworld.in. Except as set forth herein, regardless of the reason for cancellation or termination of this Agreement, the fee charged (if any) for access to mortgageworld.in is non-refundable for any reason.

JURISDICTION:

The terms of this agreement are exclusively based on and subject to Indian law. You hereby consent to the exclusive jurisdiction and venue of courts in Mumbai, India with regards to any and all disputes arising out of or relating to the use of the Website or content provided therein. Use of the website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.