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Terms of Use


a.This document is an electronic record generated by a computer system in terms of information technology act, 2000 and rules there under as applicable and the amended provisions pertaining to electronic records in various statutes. This electronic record does not require any physical or digital signatures.

b. This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and terms of use for access or usage of hometoloan.com.

c. The domain name hometoloan.com is owned and operated by Hometoloan Property & Financial Services having its office at 1005,JB Tower,Opp:TV Tower,Drive In Road, Thaltej, Ahmedabad, where such communication shall be deemed to include its respective representatives, administrators, employees, directors, officers, agents and their successors and assigns.

d. For the purpose of this privacy policy, wherever the context so requires,

  1. The term ‘You’ and ‘User’ shall mean any legal person or entity accessing or using the services provided on this Website.
  2. The terms ‘We’, ‘Us’ and ‘Our’ shall mean the Website and/or the Company.
  3. The terms ‘Party’ and ‘Parties’ shall respectively be used to refer to the User and the Company individually and collectively.

e. The headings of each section in this Policy are only for the purpose of organizing the various provisions under this Policy in an orderly manner and have no legal or contractual value, and shall not be used by either Party to interpret the provisions contained herein in any manner.

f. The use of the Website by the User is solely governed by this Policy as well as the Terms of Use of the Website (“Terms”, available at hometoloan.com ), and any modifications or modifications made thereto by HomeToLoan from time to time, at its sole discretion. The User specifically agrees and acknowledges that the Terms and Policy are co-terminus, and that expiry/ termination of either one will lead to the termination of the other.

h. The User unequivocally agrees that these Term and the aforementioned Policy constitute a legally binding agreement between the User and the Company, and that the User shall be subject to the rules, guidelines, policies, terms, and conditions applicable to any service that is provided by the Website, and that the same shall be deemed to be incorporated into the Terms, and shall be treated as part of the same. The User acknowledges and agrees that no signature is required to make these Terms and the Policy binding on the User, and that the User’s act of visiting any part of the Website constitutes the User’s full and final acceptance of these Terms and the aforementioned Policy.


i. The Company reserves the sole and exclusive right to amend or modify these Terms without any prior or intimation to the User, and the User expressly agrees that any such amendments or modifications shall come into effect immediately. The User has a duty to periodically check the terms and stay updated on its requirements. If the User continues to use the Website following such a change, the User will be deemed to have consented to any and all amendments / modifications made to the Terms. In so far as the User complies with these Terms, he/she is granted a personal, non-exclusive, non-transferable, revocable, limited privilege to enter and use the Website.



We are professional real estate consultants offering a 360 degree services towards real estate investments. Below mentioned are the list of services:

Property Identification – We provide assistance in property search through our technical research and analysis to match customer requirement.

Transactional Support – The sales team helps during Site visits, Pricing / Inventory Negotiation.

Financial and Administrative Support – We have a dedicated team which aids the customer for Home Loan and Financial services, Administrative and Legal support.

Product Portfolio – We cater into all kinds of properties; categorized as Residential (primary and resale), Commercial, Leasing, Land, Global projects, Affordable Housing, Investor Projects, Structured offerings etc.



The User represents and warrants that he / she is competent and eligible to enter into legally binding agreements and that he / she has the requisite authority to bind himself / herself to these Terms, as determined solely by the provisions of the Indian Contract Act, 1872. The User may not use this Website if he/ she is not competent to contract under the Indian Contract Act, 1872, or is disqualified from doing so by any other applicable law, rule or regulation currently in force.


  1. TERM

These Terms shall continue to form a valid and binding contract between the Parties, and shall continue to be in full force and effect until

a. The User continues to access and use the Website; or

b. The Transaction between the Parties, if any, concludes to the satisfaction of both Parties; whichever is longer.



The Company reserves the right, in its sole discretion, to unilaterally terminate the User’s access to the products and services offered on the Website, or any portion thereof, at any time, without notice or cause. The User shall continue to be bound by these Terms, and it is expressly agreed to by the Parties that the User shall not have the right to terminate these Terms till the expiry of the same.



The Website is an online service platform that gives advises and recommendations regarding real estate properties.



By using this Website, the User agrees and consents to receiving calls, autodialed and / or pre-recorded message calls, e-mails and SMSs from the Company and /or any of its affiliates or partners at any time, subject to the Policy. In the event that the User wishes to stop receiving any such marketing promotional calls / email messages / text messages, the User may send an email to the effect to with the subject. The User agrees and acknowledges that it may take up to seven business days for the Company to give effect to such a request by the User.



The use of this Website by the User, such as browsing the Website is free of cost. The User is not required to pay for the services availed by the User of the Website. However, the Company reserves the right to amend this no-fee policy and charge the User for any or all services offered / rendered. In such event, the User will be intimated of the same when he/ she attempts to access the Website, and the User shall have the option of declining to avail of the services offered on the Website. Any such change, if made, shall come into effect immediately upon such change being notified to the User, unless specified otherwise.



  2. Any use of this website would expressly mean that you irrevocably accept all the terms of this user agreement. You understand that the decision to accept or to not accept, as the case may be, the terms and conditions contained herein is totally guided by your own free will. In the event, you are not comfortable in accepting the terms and conditions as contained herein, in such case, you are advised to not use or access this website in any manner. By accessing this website, you implicitly agree with the terms and conditions listed in this user agreement.

a. If you have accessed the information on this website at any point in time, this means that you acknowledge that all the proprietary rights, statutory or otherwise, of the information received by you shall remain the exclusive property of www.hometoloan.com. Reproduction, redistribution or transmission of the information on this website is strictly prohibited and would constitute a breach of the terms and conditions laid down in this user agreement.

b. By using the Website, you agree that the details about projects/services mentioned on the site are given by the builders/property owners and are subject to change at any point of time. The Website/Company is not responsible for any such changes and any prising deviation.

c. The images shown on the Website are for the presentation purpose only. Further, images used in Website are taken from builder’s website for that there shall not be any objection from builders’ side.

d. Approval of home loan is sole discretion of bank and Website/Company is not involved or responsible for the amount and tenure of loan approved. Further, bank reserves all rights to reject the application.

e. The User agrees and acknowledges that he/she is a restricted user of this Website, and that he/she agrees not to access (or attempt to access) the Website and / or the materials or services by any means other than through the interface provided by the Website. The use of deep-link, robot, spider or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Website or its content, or in any way reproduce or circumvent the navigational structure or presentation of the Website, materials or any content, or to obtain or attempt to obtain any materials, documents or information through any means not specifically made available through the Website will lead to suspension or termination of the User’s access to the Website.

f. The User acknowledges and agrees that by accessing or using the Website or any of the services provided therein, he/she may be exposed to content that he/she may consider offensive, indecent or otherwise objectionable. The Company disclaims any and all liabilities arising in relation to such offensive content on the Website.

g. The User expressly agrees and acknowledges that the products / services displayed on the Website are not owned by the Company/Website, and that the same are the exclusive property of certain third parties who have chosen to market their products through the Company’s Website, and that the Company/Website is in no way responsible for the content of the same. The User may however report any such offensive or objectionable content, which the Company may then remove from the Website, at its sole discretion.

h. In places where Website permits the User to post or upload data/information, the User undertakes to ensure that such material is not offensive or objectionable, and is in accordance with applicable laws. The User expressly agrees that any such material that is deemed to be objectionable/offensive may be removed from the Website immediately and without notice, and further that the User’s access to the Website may also be permanently revoked, at the sole discretion of the Company.




This website may contain links to other websites or videos that may belong to, and/or hosted, and/or operated by parties other than HomeToLoan. In such cases, HomeToLoan is not responsible for the contents of any nature offered by any such linked website, or any link in a website, or any change to such websites. Inclusion of such a link on this website does not imply that HomeToLoan endorses the quality or the nature of content of the website linked from www.hometoloan.com.



Notwithstanding other legal remedies that may be available to it, the Company may in its sole discretion limit the User’s access and/or activity by immediately removing the User’s access credentials either temporarily or indefinitely, or suspend/terminate the User’s membership, and/or refuse to provide User with access to the Website, without being required to provide the User with notice or cause:

  1. If the User is in breach any of these Terms or the Policy;
  2. If the User has provided wrong, inaccurate, incomplete or incorrect information;
  3. If the User’s actions may cause any harm, damage or loss to the other users or to the Website/Company, at the sole discretion of the Company.



Any comments, idea, suggestions, initiation, or any other content contributed by the User to the Company or this Website will be deemed to include a royalty-free, perpetual, irrevocable, nonexclusive right and license for the Company to adopt, publish, reproduce, disseminate, transmit, distribute, copy, use, create derivative works, display worldwide, or act on such content, without additional approval or consideration, in any media, or technology now known or later developed, for the full terms of any rights that may exist in such content, and the User hereby waives any claim to the contrary. The User hereby represents and warrants that he/she owns or otherwise controls all of the rights to the content contributed to the Website, and that use of such content by the Company/Website does not infringe upon or violate the rights of any third party. In the event of any action initiate against the Company / Website by any such affected third party, the User hereby expressly agrees to indemnify and hold harmless the Company/Website, for its use of any such information provided to it by the User. The Company reserves its right to defend itself in any such legal disputes that may arise, and recover the costs incurred in such proceedings from the User.




It is expressly agreed to by the Parties hereto that the formation, interpretation and performance of these Terms and any disputes arising here from will be resolved through a two-step Alternate Dispute Resolution mechanism. It is further agreed to by the Parties that the contents of this Section shall survive even after the termination or expiry of the Terms and / or Policy.

  1. Mediation: in case of any dispute between the parties, the Parties will attempt to resolve the same amicably amongst themselves, to the mutual satisfaction of both Parties. In the event that the Parties are unable to reach such an amicable solution within thirty days of one Party communicating the existence of a dispute to the other Party, the dispute will be resolved by arbitration, as detailed herein below;
  2. Arbitration: in the event that the Parties are unable to amicably resolve a dispute by mediation, said dispute will be referred to arbitration by a sole arbitrator to be appointed by the Company, and the award passed by such sole arbitrator will be valid and binding on both Parties. The Parties shall bear their own costs of the proceedings, although the sole arbitrator may, in his/her sole discretion, direct either Party to bear the entire cost of the proceedings. The arbitration shall be conducted in English, and the seat of Arbitration shall be the city of Ahmedabad in the state of Gujarat, India.

The Parties expressly agree that the Terms, Policy and any other agreements entered into between the Parties are governed by the laws, rules and regulations of India, and that the Courts at Ahmedabad shall have exclusive jurisdiction over any disputes arising between the Parties.



Any and all communication relating to any dispute or grievance experienced by the User may be communicated to the Company by the User reducing the same to writing, and sending the same to the registered office of the Company by Registered Post Acknowledgement Due / Speed Post Acknowledgement Due (RPAD / SPAD).


  2. Entire Agreement: These Terms, read with the Policy from the complete and final contract between the User and the Company with respect to the subject matter hereof and supersedes all other communications, representations and agreements (whether oral, written or otherwise) relating thereto;
  3. Waiver: The failure of either Party at any time to require performance of any provision of these Terms shall in no manner affect such Party’s right at a later time to enforce the same. No waiver by either Party of any breach of these Terms, whether by conduct or otherwise, in any or more instances, shall be deemed to be or construed as a further or continuing waiver of any such breach, or a waiver of any other breach of these terms.

Severability: if any provision/clause of these Terms is held to be invalid, illegal or unenforceable by any court or authority of competent jurisdiction, the validity, legality and enforceability of the remaining provisions/clauses of these Terms shall in no way be affected or impaired thereby, and each such provision/clause of these Terms shall be valid and enforceable to the fullest extent permitted by law. In such case, these Terms shall be reformed to the minimum extent necessary to correct any invalidity, illegality or unenforceability while preserving to the maximum extent the original rights, intentions and commercial expectations of the Parties hereto, as expressed herein.