Terms of Use

These terms of use ("Terms") constitute a legally binding agreement between you and Apna Ghar Khoj regarding your use of the website www.apnagharkhoj.com (the "Site") and any services offered by the Company, including but not limited to the delivery of content via the Site, any mobile or internet-connected device, or otherwise (the "Service").

Your use of the Site, services, and tools is governed by these Terms, as applicable to the Company, including the applicable policies which are incorporated herein by reference. By merely using the Site, you agree to contract with Apna Ghar Khoj, the owner of the Platform. These terms and conditions, including the policies, constitute your binding obligations with Apna Ghar Khoj.

When you use any of the services provided by us through the Platform, including but not limited to, (e.g. Product Reviews, Seller Reviews), you will be subject to the rules, guidelines, policies, terms, and conditions applicable to such service, and they shall be deemed to be incorporated into these Terms and considered as part and parcel of these Terms.

I. Defined Terms

Unless otherwise specified, the capitalized words shall have the meanings as defined herein below:

"Agreement" shall mean and include the completed application form, its attachment(s), and the terms and conditions stated herein. It shall be deemed to have been executed at Mumbai.
"Company" is defined as Apna Ghar Khoj ("the Company") an existing Company under the Companies Act, 1956 and having its corporate office at 3212, A wing, 32nd floor, Marathon Futurex, NM Joshi Marg, Lower Parel East, Mumbai 400013
"Date of Commencement" is the date indicating the acceptance of the application by the User to the service. It shall be specified by the Company in its notice to You either through e-mail or conventional mail.
"Date of Termination" is the date of expiry mentioned in the notice or/and the letter of termination.
"Apnagharkhoj.com" is defined as the internet website of the Company at www.apnagharkhoj.com
"My Subscriptions" contains time-to-time information and description of the Services for the User provided by the Company in writing or contained on the website Apnagharkhoj.com.
"Registration Data" is the database of all the particulars and information supplied by the User on initial application and subscription, including but not limited to the User's name, telephone number, mailing address, account and email address.
"User" is defined as an individual or corporate subscriber for the Services and the signatory, whose particulars are contained in the application form and includes his successors and permitted assignees. "User" or "You" also includes any person who accesses or avails of this Site of the Company for the purpose of hosting, publishing, sharing, transacting, displaying, or uploading information or views and includes other persons jointly participating in using the Site of the Company.
Words referring to masculine include the feminine and the singular include the plural and vice versa as the context admits or requires; and Words importing persons include individuals, bodies corporate, and unincorporated.

II. 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 the User continues to access and use the Site.

III. Services

Company provides a number of internet-based services through its platform and shall include:

Posting User profile or listing for the purpose of sale/rental of property, and related property services etc.
Find a property through Apnagharkhoj.com and its internet links.
Place a print advertisement in any of the group publications through the www.Apnagharkhoj.com site.
Post advertisements on Apnagharkhoj.com.
Send advertisements and promotional messages through emails and messages.

The Services can be purchased through various methods of payments offered. The purchase of Services shall be additionally governed by specific policies of sale, like subscription fees, payment and Refund policy, cancellation policy, etc.

IV. Eligibility

You hereby represent and warrant to the Company that you are at least eighteen (18) years of age or above and are capable of entering, performing, and adhering to these Terms. While individuals under the age of 18 may utilize the Service of the site, they shall do so only with the involvement & guidance of their parents and/or legal guardians, under such Parent / Legal guardian's registered account. You agree to register prior to uploading any content and/or comment and any other use or services of this site and provide your details including but not limited to complete name, age, email address, residential address, and contact number.

V. Subscription Fees

The applicable rate of the Subscription Fees for the Service provided shall be such as mentioned in the "My Subscriptions" page or as may be prescribed by the Company from time to time.
Liability for the Subscription Fees shall accrue from the Date of Commencement.
All individual Users who access or make posting of information on the Site for the purpose of buying property shall be exempted from the application of this clause.

VI. Payment & Refund Clause

For all services bought, 50% of the order amount would be towards the activation/administration fees & the rest 50% would be refunded on a pro-rata basis, considering the usages of the services. Customer agrees that the refund process would take at least 21 days after the complete documentation has been received by the Finance team for processing such refund.
Where Subscription Fees accrues it shall be payable at or within such time as stated in the invoice(s) issued by the Company to the User.
The Subscription Fees shall be paid by the User on demand. In case the user disputes the same for any reason whatsoever, he shall make the payment towards the Subscription Fees accrued subject to the decision of the Company on the dispute. In the event of Company's deciding the dispute in the User's favour, the Company shall refund to the User any excess amount paid by the User free of interest.
Any delay in the payment by the User of any sums due under this Agreement, the Company shall have the right to charge interest on the outstanding amount from the date the payment became due until the date of final payment by the User.
Payments made to the Company through IOS app shall not be refundable under any circumstances, including but not limited to the termination of this Agreement for whatever reason.

VII. Charge Back Policy

Payment for the services offered shall be on a 100% advance basis.
Payment for service once subscribed to by the subscriber, is not refundable and any amount paid shall stand appropriated.
Refund if any will be at the sole discretion of the Company only.
User acknowledges and agrees that the Company at its sole discretion and without prejudice to other rights and remedies that it may have under the applicable laws, shall be entitled to set off the amount paid by a subscriber/user, against any amount(s) payable by user to the Company under any other agreement or commercial relationship towards other products/services.
The Company offers no guarantees whatsoever for the accuracy or timeliness of the refunds reaching the Subscribers card/bank accounts. This is on account of the multiplicity of organizations involved in processing online transactions, the problems with Internet infrastructure currently available and working days/holidays of financial institutions.

VIII. Cancellation

Company shall reserve the exclusive right to cancel any content whatsoever from being published or reflected on its website or in any other mode. The cancellation charges payable to the User shall be at the applicable rates laid down in the cancellation and refund policy.
For Platinum listing packages, there shall be no cancellation or refund of orders booked/payments made via online payment options (except in the case of Cheque & Demand Draft). Cancellations requests for orders placed via cheque/demand draft can be made only before such payment is realized by the Company.

IX. Security

Transactions on the Site are secure and protected. Any information entered by the User when transacting on the Site is encrypted to protect the User against unintentional disclosure to third parties. The User's credit and debit card information is not received, stored by or retained by the Company/Site in any manner. This information is supplied by the User directly to the relevant payment gateway which is authorized to handle the information provided and is compliant with the regulations and requirements of various banks and institutions and payment franchisees that it is associated with.
To protect the secrecy of user identification and/or password the User shall take all such measures as may be necessary (including but without limiting to changing his password from time to time and shall not reveal the same to any other person(s).
Since a user identification is necessary to access the Service, the User shall use only his own user identification.
It is agreed by the User that he acquires no rights to any mailbox number or/and the User identification or/and circuit reference or/and any codes assigned to him by the Company. The User further agrees that except as otherwise proved herein, the Company reserves the right to change or/and re-assign the same to the User, at its sole discretion without being liable to the User for any kind of damages or/and relief or/and any other consequence/s.
In the event of theft or/and loss of User identification or/and password or/and security word, the User shall notify the Company immediately via telephone or/and concurrently in person provide the Company with a written notice to the same effect. The User shall remain liable for use of the Services by any third party until such theft or loss is notified to the Company.
The password and username being made available to the customer shall be used only by the organization named by the customer and the employee of the organization. The User shall take all necessary precautions to prevent unauthorized access or/and leakage of username or/and password being provided by the Company to him. The User shall not use any software to automatically download or/and extract either a complete or/and partial listing from Apnagharkhoj.com database without prior consent from Apna Ghar Khoj in writing.

X. Obligations and Representations of User/Subscriber

To provide accurate, complete, and correct registration data on initial application for the Services.
The User agrees that any data entered on the Site will be subject to a mandatory verification process by the Company.
Any and all licenses, permits, consents, approvals, and intellectual property or other rights as may be required for using the Service shall be obtained by the User at his own cost.
The User will ensure compliance with all notices or instructions given by the Company from time to time to enable the use of the Service.
The User understands and agrees that the User is responsible for all applicable taxes and for all costs incurred in using the Site service(s).
The User shall be solely responsible for all information retrieved, stored, and transmitted by him.
The User shall keep confidential and not disclose to any person the User's password and user identification and all activities and transmission performed by the User through his user identification.
The User shall be responsible for all the activities that occur under his/its display name and password.
The User agrees to immediately notify the Company of any unauthorized use/breach of his/its password or account and ensure to exit from the account at the end of each session.
The User shall immediately notify the Company of any unauthorized use of the User's account or any other breach of security known to the User.
The User shall promptly make the payment to the Company towards the Subscription Fees as and when it becomes payable.
The User shall be responsible for the setup or configuration of his equipment for access to the Services.
User hereby declares that he/it is fully aware that the online advertisements placed with Apnagharkhoj.com shall be reflected after 48 hours and agrees to the stipulated 48 hours processing.
The User agrees that any data entered into herein can and shall be saved, used, and commercially exploited by Apna Ghar Khoj as deemed fit by them.
The User shall give out to the Company a non-exclusive, worldwide, royalty-free, irrevocable, sub-licensable right (through multiple tiers) to exercise all copyright and publicity rights, in any existing or future media, known or unknown, over the material or User Data displayed in your listings. For the purpose of this Agreement, "User Data" shall mean all information (if any) submitted by the User on Apnagharkhoj.com with the exception of trading data, credit card numbers, checking account numbers, etc. "Individually Identifiable User Data" shall mean that subset of "User Data" which can be reasonably used to identify a specific individual such as their name, address, phone number, etc. The User Data shall be deemed to be the property of Apnagharkhoj.com. The User shall take all reasonable efforts to ensure that it is accurate and complete and not misleading in any.
The User will indemnify Apna Ghar Khoj for any action or claim committed/made by any third party resulting from any information posted on the Site by the User or anybody else on his behalf and account.
The User is solely responsible for any data entered on the Site. The User who has entered the data is fully responsible for any wrong data entered and shall be liable for any and all action(s) taken by third parties (whether civil/criminal). The Company, however, shall endeavor to use the best industry practice, of weeding out all wrong data/false data entered by the User and undertakes to withdraw all such data within a reasonable time after verifying the complaint.
User of the website agrees to indemnify and keep Apna Ghar Khoj indemnified from any wrong/false data entered into and hereby warrants and covenants that all data entered into the website is true and correct and belongs exclusively to him/it and not to any other third party.

XI. Prohibited Actions

User is restrained from allowing any person other than the authorized person(s) named in the application form to use the Service.
The User undertakes not to resell or assign his/its rights or obligations under these Terms & Conditions. User also agrees not to make any unauthorized commercial use of the Service.
The User shall use the Service only for the purpose for which it is subscribed.
The User shall comply with all applicable laws (and shall not contravene any applicable law) of India relating to the Services, including any regulation made pursuant thereto.
The User shall not print, download, duplicate or otherwise copy, delete, vary or amend or use any data or personal information posted by any User on Site except such data and information which is posted by the particular User himself/itself.
The User shall not use the Service for any unlawful and fraudulent purpose including without limitation criminal purposes.
The Service shall not be used to send or receive any message, which is offensive on moral, religious, racial, or political grounds or of abusive, indecent, obscene, defamatory, or menacing nature.
The User is prohibited from postings any information or content on Site, which directly or indirectly cause any threat or/and harassment or/and annoyance or/and anxiety or/and any other inconvenience of whatsoever nature.
The User shall not infringe intellectual property rights of any person/party and/or retain information in any computer system or otherwise with an intention to do so.
The User agrees not to make use of anyone else's information other than as necessary to complete any transactions in which the User is involved.
The User shall not violate, or attempt to violate the security of the Site and/or any websites linked to Apnagharkhoj.com or gain unauthorized access to any information regarded as private by other User(s) or persons, including but without limitation to accessing data and information not intended for them or logging onto a server or account which the User is not authorized to access, attempting to probe, scan or test the vulnerability of a system or network or attempting to breach security or authentication.
The User shall be prohibited to introduce, post, or transmit any information or software, which contains a virus, worm, or other harmful component into the internet or Site network system.
In the event that the User breaches any of the above-mentioned covenants, the Company shall have the right to delete any material relating to the violations. The Company reserves the unilateral right to suspend or/and deactivate the User's access to the Site Service and/or any other related facility in case of violation of terms of use. In addition to the right to indemnity available to the Company, the Company shall have the right to recourse to any legal remedy against the User to recover the loss suffered by the Company and the harm caused to the reputation of the Company, due to such violation by the User.
The Users shall avail Services on Apnagharkhoj.com or any other related site for lawful purposes alone. Transmission or/and distribution or/and storage of material or/and conduct in violation of any applicable local or/and state or/and Central or/and foreign law or/and regulation is prohibited. This includes without limitation any unauthorized use of material protected by patent or/and copyright or/and trademark or/and other intellectual property right, material that is obscene or/and defamatory or/and libelous or/and constitutes an illegal threat, or/and violates rights of privacy or publicity, or/and violates export control laws. The User may use the information on our site only to the extent necessary to facilitate the related transactions.
Company strongly opposes SPAM, which floods the Internet with unwanted and unsolicited email and deteriorates the performance and availability of the Apnagharkhoj.com site. All forms of SPAM, or any other activities that have the effect of facilitating SPAM, are strictly prohibited.
Company also prohibits the use of another internet service to send or post SPAM to drive visitors to your site hosted on or through Apnagharkhoj.com site, whether or not the messages were originated by you, under your direction, or by or under the direction of a related or unrelated third party.
You shall not use any "deep-link", "page-scrape", "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 Site or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the Site or any Content, to obtain or attempt to obtain any materials, documents or information through any means not otherwise made available through the Platform. We reserve Our right to bar any such activity.
You shall not attempt to gain unauthorized access to any portion or feature of the Platform, or any other systems or networks connected to the Platform or to any server, computer, network, or to any of the services offered on or through the Platform, by hacking, password "mining" or any other illegitimate means.
You shall not engage in advertising to, or solicitation of, other Users of the Platform to buy or sell any services, including, but not limited to, services related to that being displayed on the Platform or related to us.
The Content posted does not necessarily reflect our views. In no event shall the Company assume or have any responsibility or liability for any Content posted or for any claims, damages, or losses resulting from the use of Content and/or appearance of Content on the Platform. You hereby represent and warrant that you have all necessary rights in and to all Content you provide and all the information it contains and that such Content shall not infringe any proprietary or other rights of third parties or contain any libelous, tortious, or otherwise unlawful information.

XII. Subscription / Fee

Subscription Fees are applicable for availing of certain Services on the Website. Such Subscription Fees are non-refundable in case the Service has been used by the User.
The User agrees to pay all subscription fees and charges applicable to the Services and hereby authorizes Apnagharkhoj.com and its authorized service providers to debit the User's credit card, bank account, or other available payment methods for the fees and charges. Payment against the fee shall be on a 100% advance basis and non-refundable.
The User understands and agrees that once a payment instrument has been used to avail of any of the Services, Apnagharkhoj.com cannot provide any refund or cancel the payment and the User is liable to pay the Service charges.
The User shall pay all taxes, duties, levies, or other statutory dues associated with the User's use of the Services.
The Company reserves the right to modify the fees and charges for the Services or introduce new charges or fees at any time upon 30 days prior notice to the User. The User's continued use of the Services after such modifications or introduction of new charges shall be deemed acceptance of the same.

XIII. Indemnity

The User agrees to indemnify, defend and hold harmless Apna Ghar Khoj and its officers, directors, employees, consultants, representatives, and agents from any and all third-party claims, liability, damages, and/or costs (including but not limited to reasonable attorneys' fees) arising from the User's use of the Services, violation of these Terms of Use, or infringement of any intellectual property or other right of any person or entity.
The User agrees to indemnify and hold Apna Ghar Khoj harmless from any claims and losses imposed on or incurred by Apna Ghar Khoj due to any claim made by a third party arising out of the User's use of the Services and/or arising from any content posted by the User on the Platform and/or any material breach of any representation, warranty, covenant, or obligation to be performed by the User pursuant to these Terms of Use.

XIV. Limitation of Liability

In no event shall Apna Ghar Khoj or its officers, directors, employees, consultants, representatives, or agents be liable to the User or any third party for any direct, indirect, incidental, special, consequential, or punitive damages arising out of the User's use of the Services or any content posted on the Platform, whether based on warranty, contract, tort, or any other legal theory.
Notwithstanding anything to the contrary contained in these Terms of Use, Apna Ghar Khoj's liability to the User for any cause whatsoever and regardless of the form of the action, will at all times be limited to the amount paid, if any, by the User to Apna Ghar Khoj for the Services during the term of membership.

XV. Termination

Either party to these Terms of Use may terminate this Agreement by giving 30 days prior notice in writing.
In the event of User committing a breach of any of the terms of these Terms of Use or any applicable law, Apna Ghar Khoj shall have the right, without prejudice to any other rights available to it under these Terms of Use or under any applicable law, to terminate these Terms of Use with immediate effect and to block, restrict, disable, suspend or terminate the User's access to all or part of the Services and/or Platform, without any notice.
Upon termination of these Terms of Use, the User shall immediately discontinue the use of the Services and destroy any copies of any content obtained from the Services, whether made under the terms of these Terms of Use or otherwise.
The User acknowledges and agrees that upon termination of these Terms of Use, the Company shall have the right to delete all accounts, data, files, or other information relating to the User, if any, stored on the Company's servers.

XVI. Force Majeure

Neither party shall be liable to the other for any failure to perform any obligation under these Terms of Use which is due to an event beyond the control of such party including but not limited to any act of God, war, riot, civil commotion, terrorism, political insurgence, insurrection, strike, lockout, act of civil or military authority, rebellion, earthquake, flood or any other natural or man-made eventuality outside of the control of the parties, which causes the termination of an agreement or contract entered into, nor which could have been reasonably foreseen. Any party affected by such an event shall forthwith inform the other party of the same and shall use all reasonable endeavors to comply with the terms and conditions of these Terms of Use.

XVII. Maintenance

The Company may at its sole discretion and without assigning any reason whatsoever at any time deactivate or/and suspend the Services (as the case may be) without notice to carry out system maintenance or/and upgrading or/and testing or/and repairs or/and other related work and/or the User's access to Apna Ghar Khoj.com. Without prejudice to any other provisions of this Agreement, the Company shall not be liable for any loss or/and damage or/and costs or/and expense that the User may suffer or incur, and no fees or/and charges payable by the User to the Company shall be deducted or refunded or rebated, as a result of such deactivation or/and suspension.

XVIII. Third Party Links and Resources in Our Website

The content of other websites, services, goods or advertisements that may be linked to Our Site is not maintained or controlled by Us. We therefore are not responsible for the availability, content or accuracy or privacy practices of other websites, services or goods that may be linked to, or advertised on, Our website.

Where this Site contains hyperlinks to websites operated by third parties these linked websites are not under the control of the Company and the Company is not responsible for the contents of any linked website. The Company provides these hyperlinks to you for convenience only and the inclusion of any link does not imply any endorsement of the linked website by Apna Ghar Khoj. You link to any such website entirely at your own risk.

The Company does not:

Make any warranty, express or implied, with respect to the use of the links provided on, or to, Our Site;
Guarantee the accuracy, completeness, usefulness or adequacy of any other website, services, goods or advertisements that may be linked to Our Site; or
Make any endorsement, express or implied, of any other websites, services, goods or advertisements that may be linked to Our Site.

The Company accepts no liability for any damage or loss, however caused, in connection with the use of or reliance on any information, material, products or services contained on or accessed through any linked website.

Our Site may also contain third party advertisements which contain embedded hyperlinks to websites operated by third parties. All third party advertising is paid for by the relevant third party advertiser, which you can accept by linking to the third party advertisers and are not recommendations or endorsements by Apna Ghar Khoj. The third party advertiser is solely responsible for any representations or offers made by it and for the delivery of goods or services you agree to purchase from the third party website.

Company may from time to time recommend, provide you with access to, or enable third party software, applications ("Apps"), products, services or website links (collectively, "Third Party Services") for your consideration or use, including via the Company App Store. Your purchase, access or use of any such Third Party Services is solely between you and the applicable third party services provider ("Third Party Provider").
Company does not have any control or does not determine or advise or in any way involve itself in the offering or acceptance of such commercial/contractual terms between the users and Third Party Providers.
Any use by you of Third Party Services offered through the Company's website is entirely at your own risk and discretion, and it is your responsibility to read the terms and conditions and/or privacy policies applicable to such Third Party Services before using them. Company may, however, offer support services to Third Party Providers in respect to order fulfilment, payment collection, call centre, and other services, pursuant to independent contracts executed by it with the Third Party Providers.
Company neither make any representation or warranty as to specifics (such as quality, value, saleability, etc.) of the products or services proposed to be sold or offered to be sold or purchased on the Platform. The availability of Third Party Services on Company's websites or the integration or enabling of such Third Party Services with the Company services does not constitute or imply an endorsement, authorization, sponsorship, or affiliation by or with Company.
Company is not responsible and accepts liability for any errors or omissions or non-performance or breach of any contract entered into between users and Third Party Providers on the Platform. Company cannot and does not guarantee that the concerned Users and/or Third Party Providers will perform any transaction concluded on the Platform. Company is not responsible for unsatisfactory or non-performance of services or damages or delays as a result of products/services.
Company is operating an online advertisement platform and assumes the role of an intermediary, and does not at any point of time during any transaction between user and Third Party Providers on the Platform come into or take possession of any of the products or services offered by Third Party Providers. At no time shall Company hold any right, title or interest over the products nor shall Company have any obligations or liabilities in respect of such contract entered into between User and Third Party Providers.
In case of complaints from the user pertaining to quality or any other such issues, Company is not obligated to intervene in any dispute arising between you and a Third Party Provider.
Company is not responsible or liable to anyone for discontinuation or suspension of access to, or disablement of any Third Party Service.
If you install or enable a Third Party Service for use, you grant us permission to allow the applicable Third Party Provider to access your data and other materials and to take any other actions as required for interoperation of the Third Party Service with our Services, and any exchange of data or other materials or other interaction between you and the Third Party Provider is solely between you and such Third Party Provider. Company is not responsible for any disclosure, modification or deletion of your data or other materials, or for any corresponding losses or damages you may suffer, as a result of access by a Third Party Service or a Third Party Provider to your data or other materials.
Under no circumstances shall Company be liable for any direct, indirect, incidental, special, consequential, punitive, extraordinary, exemplary or other damages whatsoever that result from any Third Party Services or your contractual relationship with any Third Party Provider. These limitations shall apply even if Company has been advised of the possibility of such damages. The foregoing limitations shall apply to the fullest extent permitted by applicable law.
You agree to indemnify and hold us and (as applicable) our parent, subsidiaries, affiliates, Company partners, officers, directors, agents, employees, and suppliers harmless from any claim or demand, including reasonable attorneys' fees, arising out of your use of a Third Party Service or your relationship with a Third Party Provider.
REFUNDS: We do not offer any refunds against goods purchased from the Platform for Third Party Services.

XIX. Termination

Either party to this agreement may terminate this Agreement by giving prior notice of 30 days in writing.
It shall be on the discretion of the Company that the period of notice of 30 days may be waived or a shorter period of notice may be accepted in writing from the User.
However, the Company irrespective of clause 1 and 2 above, may terminate this Agreement with immediate effect, without prior notice to the User and without assigning any reason/s whatsoever:

if in the opinion of the Company, the User has breached any of the terms and conditions of this agreement; or
if, in the opinion of the Company or/and any regulatory authority, it is not in the public interest to continue providing the Service to the User for any reason; or
if the User is declared a bankrupt or/and the User enters into any compromise or arrangement with its creditors and further without any prejudice to any/all other rights.

XX. Liabilities Upon Termination

If the Agreement is terminated pursuant to provisions set out in Clause XIX above, without prejudice to any other remedies available to the Company, the User shall be liable for Subscription Fees payable until the Date of Termination.
The amounts due and payable to the Company by the User upon termination shall be payable within 30 days of the relevant Date of Termination.

XXI. Suspension of Service

If any monies payable by the User to the Company are not paid on the due date, the Company may without prejudice to any other rights or remedies that may be available to it suspend the Service provided to the User.
When the Services, subscribed for, is suspended, it shall be deemed to be terminated. The date shall be such as stipulated by the Company and the User shall be liable for all the charges and fees incurred up to the date.
Upon subsequent payment by the User of such monies as demanded by the Company, the Company may at its discretion and subject to such terms as it deems proper, reconnect the Service.

XXII. Money Back Policy

In the event a User is unsatisfied with the responses received against a Listing posted using the Money Back Package provided by the Company, the money back policy can be initiated by a User using the Feedback link on Apnagharkhoj.com or by writing to moneyback@apnagharkhoj.com or by calling the customer care number.
For claiming any money back, there should be at least one property posted using the package.
User shall be first offered an extension of duration for the Listing that was posted using Money Back Package for Free, to evaluate the responses again.
If the user is still not satisfied with the responses offered after the duration is extended, Money Back shall be initiated by the Company.
Money Back can be initiated within the lifetime of the listing (i.e. 60 days from the date of posting).
Money Back can only be initiated against the same Order ID & Customer Name as mentioned during Order Booking.
Order Booking should be in the Client's name as the refund will be processed in the same name.
For orders that were paid through online payment modes, the refunds will be processed after deduction of charges incurred by the Payment Gateway.
Refunds will be processed within 30 business days from receipt & acceptance of all relevant documents.

XXIII. Violation of Terms & Conditions

In the event of violation of Terms, the Company in its sole discretion may pursue any of its legal remedies, including but not limited to the immediate deletion of any offending material from its site, or/and cancellation of your account, and/or the exclusion of any person(s) who may have violated any Terms & Conditions hereto. Company can also pursue violators with claims that they have violated various criminal and/or civil law provisions as applicable under the relevant Acts/Rules, etc. of the land. Apna Ghar Khoj.com will cooperate with any investigation by any Central or/and State or/and local body or/and any court or/and tribunal having the competence to carry out the same. Such cooperation may be without notice to the User. If Company believes in its sole discretion that any advertisement or/and services may create liability for Company, Company may take any actions that it believes to be prudent or necessary to minimize or/and eliminate its potential liability, including but not limited to, the release of User information. In sum, Company reserves the right to refuse service to anyone at any time, or/and to remove any listings or/and any advertisements for any reason, and without notice.

XXIV. Personal Information

Your submission of personal information through this Site is governed by our Privacy Policy.

XXV. ERRORS, INACCURACIES AND OMISSIONS

Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Service or Site, is inaccurate at any time without prior notice (including after you have submitted your order).
We however undertake no obligation to update, amend or clarify information in the Service or Site, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on Site, should be taken to indicate that all information in the Service or on Site has been modified or updated.

XXVI. Disclaimer

The User hereby agrees that use of the Service is at the User's sole risk. The Service is provided on an "as is" or/and on an "as available" basis. Company expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.
The Company makes no warranty that the Services shall meet User's requirements, that the Services shall be uninterrupted or/and timely or/and secure or/and error free.
This Site is vulnerable to data corruption, interception, tampering, viruses as well as delivery errors and we do not accept liability for any consequence that may arise therefrom. We may need to make the Site unavailable with or without notice to carry out maintenance or upgrade work. We accept no liability for any interruption or loss of Service. Further the Company does not warrant that any of the websites linked to Apnagharkhoj.com be free of any operational hazards or error nor that it will be free of any virus or/and worm or/and any other harmful components.
There are no express representations and warranties, whether express or implied, made by the Company regarding the accuracy, reliability and/or quality of any information transmitted and/or obtained through the use of the Services of Apnagharkhoj.com. The User understands and agrees that any information or/and material and/or goods or/and services obtained through this Site is done at User's own discretion and risk and that User shall be solely responsible for any damage/s or/and cost or/and any other consequence/s resulting from any transaction. No advice or or/any information, whether oral or/and written, obtained by the User from Apnagharkhoj.com or/and through or/and from the Service shall create any warranty not expressly stated herein. In case the there is any loss of information, caused due to any reason, whether as a result of any disruption of service, suspension and/or termination of the Service, the Company shall not be liable in any way for the same. Cancellations and alterations shall be effected only on the receipt of application regarding the same in writing.
The Company shall not be liable for any disclosure of information concerning the User's account and/or particulars nor for any error and/or omissions and/or inaccuracy with regard to information so disclosed. In addition the Company shall further not be liable for any loss or damages sustained by reason of such disclosure, whether intentionally or inadvertently. All information are accepted in good faith and Company accept no responsibility whatsoever regarding the bonafide of the User, nor can any interviews be granted or/and correspondence entered into regarding any advertisement published.
Once a listing or banner is displayed on Our Site, We do not guarantee or make warranties that there would be satisfactory response or any response at all.
The Company is not liable or responsible for the quality or any misrepresentation or any liability or issue arising out of the Services availed by the User from third party service providers on or beyond the platform of Apnagharkhoj.com. For any third party product or service which customer/user will buy through Apnagharkhoj.com, the Customers/Users of Services shall take full responsibility to deal with third parties respective vendors at their own risk, cost and liability.
Property descriptions and other information provided on Our Site are intended for information and marketing purposes and, whilst displayed in good faith, we will not in any circumstances accept responsibility for their accuracy. It is the responsibility of prospective buyers/tenants to satisfy themselves as to the accuracy of any property descriptions displayed and the responsibility of agents/sellers/brokers to ensure the accuracy and integrity of property descriptions provided on Our Site and in any property particulars.
Any value estimates provided on Our Site are intended for general interest and information purposes only and should not be relied upon for any commercial transaction or similar use. These estimates are based on publically available information which may be inaccurate or incomplete, and typical factors in certain locations. They will not take account of any factors which are unknown to us and should only be used as a general estimate. None of the information available on Our Site is intended to be a substitute for independent professional advice and users are recommended to seek advice from suitably qualified professionals such as surveyors and solicitors if relevant to their particular circumstances. We shall not be liable for any losses suffered as a result of relying on our value estimates.
Company will not be liable for any time difference arising between a message released through a gateway/ server (provided to Apnagharkhoj.com) and such message finally reaching the User from the concerned service provider.
The User shall ensure that while using the Service, all prevailing and applicable laws, rules and regulations, directly or indirectly for the use of systems, service or equipment shall at all times, be strictly complied with by the User and the Company shall not be liable in any manner whatsoever for default of any nature regarding the same, by the User.
In case a visitor to the portal is desirous of conducting a project site visit of the property he/it is interested in, it shall be the sole liability and duty of the Advertiser to arrange for such project site visits. The Company shall not be liable in any manner whatsoever, towards any liability and/or costs, arising out of such site visits including but not limited to non-fulfilment by the Advertiser in this regard.
The Platinum Listing is listed for a period of two weeks only from the day the Order is activated. Company shall not be liable for any delay arising from the User's end in conversion of their property listing to Platinum Listing, resulting in the Platinum Ad listing not being showcased for the complete period of two weeks. This package cannot be transferred, adjusted or reimbursed.
Company has no intention of violating any intellectual property or ancillary rights. If there is any violation, we request that the same be promptly brought to our attention.
It is not the Company's policy to exercise any kind of supervisory or editorial control over and/or edit and/or amend any data and/or contents of any e-mails and/or posting of any information that may be inserted or/and made available or transmitted to a third party in or through Apnagharkhoj.com and the User acknowledges the same. The User acknowledges and agrees that the Company has absolute discretion to refuse and/or suspend or/and terminate and/or delete and/or amend any artwork, materials and/or information and/or content of any data and/or information and/or posting so as, in the sole opinion of the Company, to comply with the prevailing legal framework and/or moral obligations as placed on the Company and in order to avoid infringing any third party's rights and/or any other rules and/or standards and/or codes of practices that may be applicable to the posting or Apnagharkhoj.com and/or the internet.
The Company is not involved in any transaction between any parties who are using Our Site. There are risks, which the User assumes when dealing with people who might be acting under false pretences and the same shall be borne by the User. The Site is a venue only and do not screen or/and censor or/and otherwise control the listings offered to other Users, nor does Company screen or/and censor or/and otherwise control the Users of its service. Company cannot and does not control the behaviour of the participants on this site. We cannot control whether or not Users of Apnagharkhoj.com will complete the transactions they describe on Our Site. It is extremely important that the User takes care throughout his/its dealings with third party(s) and/or Users on this Site. Company does not accept or/and assume responsibility for the content or/and context of the User comment.
THE COMPANY'S TOTAL LIABILITY UNDER THIS AGREEMENT (WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE SHALL BE LIMITED TO THE TOTAL AMOUNT OF FEES OR/AND CHARGES PAID BY THE USER TO THE COMPANY'S SITE OR THE PERIOD IMMEDIATELY PRECEDING TWO (2) MONTHS PRIOR TO THE INCIDENT GIVING RISE TO THE RELEVANT CLAIM.
Company shall not be responsible for the advice, views and suggestions provided by the expert. The information contained herein should be used for reference only. Before relying on any such advice, please do an independent assessment at your end considering your specific requirements and the parameters you have in mind. Apnagharkhoj.com will not be responsible for any claims arising out of the use of any information displayed herein.
Apna Ghar Khoj is only an intermediary offering its platform to advertise properties of Seller for a Customer/Buyer/User coming on its Website and is not and cannot be a party to or privy to or control in any manner any transactions between the Seller and the Customer/Buyer/User. All the offers and discounts on this Website have been extended by various Builder(s)/Developer(s) who have advertised their products. Apna Ghar Khoj is only communicating the offers and not selling or rendering any of those products or services. Company is not responsible for any non-performance or breach of any contract entered into between Customer/Buyer/User and Sellers. Company cannot and does not guarantee that the concerned Customer/Buyer/User and/or Sellers will perform any transaction. At no time shall Company hold any right, title or interest over the products/services nor shall Company have any obligations or liabilities in respect of such contract entered into between Customer/Buyer/User and Sellers. It neither warrants nor is it making any representations with respect to offer(s) made on the site. Apna Ghar Khoj shall neither be responsible nor liable to mediate or resolve any disputes or disagreements between the Customer/Buyer/User and the Seller and both Seller and Customer/Buyer/User shall settle all such disputes without involving Apna Ghar Khoj in any manner.
If there is any dispute between the Users/participants on this Site, it is agreed upon by the Users/participants that Company has no obligation whatsoever to be involved in any such dispute/s. In the event that the User has a dispute with one or more User/s or/and participant/s, the User hereby undertakes not to make any claims or/and demands or/and damages (actual or/and consequential) of every kind or/and nature or/and known or/and unknown or/and suspected or/and unsuspected or/and disclosed or/and undisclosed, arising out of or/and in any way related to such disputes and/or our service against the company or/and their officers or/and employees or/and agents or/and successors.
In no case shall the Company, Our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from Your use of any of the Service or any products, or for any other claim related in any way to Your use of the Service, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the Service or any content (or product) posted, transmitted, or otherwise made available via the Service, even if advised of their possibility.
Apna Ghar Khoj has endeavoured to ascertain the requirement of RERA registration. The advertiser is hereby obligated to provide RERA registration number for promoting a RERA registered project in terms of Real Estate (Regulation & Development) Act, 2016. Apna Ghar Khoj is a platform for advertisement and does not vouch for the project or the details provided in the advertisement.
YOU ACKNOWLEDGE THAT THIRD PARTY SERVICES ARE AVAILABLE ON THE PLATFORM. WE MAY HAVE FORMED PARTNERSHIPS OR ALLIANCES WITH SOME OF THESE THIRD PARTIES FROM TIME TO TIME IN ORDER TO FACILITATE THE PROVISION OF CERTAIN SERVICES TO YOU. HOWEVER, YOU ACKNOWLEDGE AND AGREE THAT AT NO TIME ARE WE MAKING ANY REPRESENTATION OR WARRANTY REGARDING ANY THIRD PARTY'S SERVICES NOR WILL WE BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY CONSEQUENCES OR CLAIMS ARISING FROM OR IN CONNECTION WITH SUCH THIRD PARTY INCLUDING, AND NOT LIMITED TO, ANY LIABILITY OR RESPONSIBILITY FOR, DEATH, INJURY OR IMPAIRMENT EXPERIENCED BY YOU OR ANY THIRD PARTY. YOU HEREBY DISCLAIM AND WAIVE ANY RIGHTS AND CLAIMS YOU MAY HAVE AGAINST US WITH RESPECT TO THIRD PARTY'S / MERCHANTS SERVICES.
WE ARE NOT RESPONSIBLE FOR THIRD PARTY SERVICES SO USE THEM AT YOUR OWN RISK. IF YOU USE THIRD PARTY SERVICES ON THE COMPANY PLATFORM, YOU PERMIT US TO SEND YOUR DATA TO THOSE SERVICES. IF YOU USE THIRD PARTY SERVICES YOU AGREE THAT WE DO NOT PROVIDE A WARRANTY, SO GET ADVICE BEFOREHAND.
AGK does not endorse any of the opportunities that appear on this website nor make any recommendations regarding same to any Investor. Prospective investors are not to construe anything on the website as investment, business, legal or tax advice and the content contained herein does not constitute an offer by AGK to sell, solicit or make an offer to buy an investment interest. Any information made available from our website or links to websites, does not represent a solicitation of an offer to buy or sell any property. It also does not constitute an offer to provide investment advice, service or assistance on particular investment or transaction. Direct and indirect purchase of real property involves significant risk and investments may lose value and are not insured by any Governmental Agency nor are they guaranteed by AGK. It is the responsibility of the recipient to verify the integrity and authenticity of the information made available before making any investment.

XXVII. Limitation of Liability

User agrees that neither Company nor its group companies, directors, officers or employee shall be liable for any direct or/and indirect or/and incidental or/and special or/and consequential or/and exemplary damages, resulting from the use or/and the inability to use the service or/and for cost of procurement of substitute goods or/and services or resulting from any goods or/and data or/and information or/and services purchased or/and obtained or/and messages received or/and transactions entered into through or/and from the service or/and resulting from unauthorized access to or/and alteration of user's transmissions or/and data or/and arising from any other matter relating to the service, including but not limited to, damages for loss of profits or/and use or/and data or other intangible, even if Company has been advised of the possibility of such damages. User further agrees that Company shall not be liable for any damages arising from interruption, suspension or termination of service, including but not limited to direct and/or indirect and/or incidental or/and special consequential or/and exemplary damages, whether such interruption or/and suspension or/and termination was justified or not, negligent or intentional, inadvertent or advertent. User agrees that Company shall not be responsible or liable to user, or anyone, for the statements or conduct of any third party of the service. In sum, in no event shall Company's total liability to the User for all damages or/and losses or/and causes of action exceed the amount paid by the User to Company, if any, that is related to the cause of action.
The Company takes no responsibility/liability whatsoever for shortage or non-fulfilment of the service/s on Company or any other related site due to or arising out of technical failure or/and malfunctioning or/and otherwise and the User hereby undertakes that in such situation/s, the User shall not claim any right/damages/ relief, etc. against the Company for "Deficiency of service" under The Consumer Protection Act or any other Act/Rules, etc.
Company shall not be liable for any and all costs, charges, expenses, etc. incurred in relation to the downloading fees by third party, airtime, ISP connection costs, etc., of which are to be borne by the user personally.
Company shall not be responsible for any malfunctioning, non-functioning of the mobile phone or any other application, and or any damage, loss, either direct or indirect arising out of the use of the Apna Ghar Khoj mobile application on your mobile phone.

XXVIII. Indemnity

User hereby releases and indemnifies, or at its option settles any third-party lawsuit or proceeding brought against the Company based upon or otherwise any claim arising from the fact that the User Content, Site, and/or User features infringe any copyright, trade secret, or trademark of such third party; and second, the Company's use of any User Content, provided that such use complies with the requirements of the Agreement; and third, the User's use of the Services in any manner inconsistent with or in breach of the Agreement; and/or fourth, any claim alleging facts that would constitute a breach of User's representations and warranties made in this Agreement. Any such claim/proceeding if made directly on the User shall promptly be communicated to the Company by the User with all reasonable information, assistance, and cooperation in defending the lawsuit or proceeding. The User shall give the Company full control and sole authority over the defense and settlement of such claim. The User may join in defense with counsel of its choice at its own expense subject to the approval of the Company. The User unilaterally agrees to indemnify and hold harmless, without objection, the Company, its officers, directors, employees, and agents from and against any claims, actions, and/or demands and/or liabilities and/or losses and/or damages whatsoever arising from or resulting from their use of Apnagharkhoj.com or their breach of the terms of this Agreement. Indemnification shall be provided for any claim which shall arise and shall be limited to payment by the indemnifying party ("User") of all damages and costs finally awarded for such claim, or settlement costs approved in writing by the Indemnitor (Company).

XXIX. Notice

All notices (a) if sent to the User to the address identified on the Application Form and (b) if sent to the Company to such address as provided in writing for such notice purposes; provided, however, that all invoices and payments shall be sent to the attention of The Company's Finance department, all legal notices shall be sent to the attention of the Company's Legal Department, and all other correspondence shall be sent to the attention of the account manager specified by the Company. Notice shall be deemed given upon receipt when delivered personally and upon receiving acknowledgment / written verification of receipt from overnight courier.
Grievance Redressal Mechanism: Any complaints, abuse or concerns with regards to content and or comment or breach of these terms shall be immediately informed to the designated Grievance Officer as mentioned below via in writing or through email to contact@apnagharkhoj.com ("Grievance Officer").

(Grievance Officer)

www.apnagharkhoj.com

Apna Ghar Khoj

3212, A wing, 32nd floor, Marathon Futurex

NM Joshi Marg, Lower Parel East

Mumbai 400013, India

Email: contact@apnagharkhoj.com

Ph: 9071983334

XXX. Non-exclusive Remedy

Termination or expiration of this Agreement, in part or in whole, shall not limit either party from pursuing other remedies available to it, nor shall either party be relieved of its obligation to pay all fees that are due and owing under this Agreement through the effective date of termination. Neither party shall be liable to the other for any damages resulting solely from termination as permitted herein.

XXXI. Waiver

The failure of Company to exercise or enforce any right or provision of these Terms & Conditions shall not constitute a waiver of such right or provision. If any provision of these Terms & Conditions is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of these Terms & Conditions shall remain in full force and effect.

XXXII. Entire Agreement

This Agreement shall constitute the complete and exclusive agreement between the parties with respect to the subject matter hereof, superseding any prior agreements, documents and or communications regarding such subject matter. This Agreement may only be modified, or/and any rights under it waived, by a written document executed by the Company only. The right to change, vary, or amend, however, exclusively rests with the Company.

XXXIII. Governing Law and Jurisdiction

It is clarified that there is no agency or/and partnership or/and joint venture or/and employee-employer or/and franchiser-franchisee relationship between Company and any User of the Service.
The User agrees that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the Terms & Conditions must be filed within 30 days after such claim or cause of action arose or be forever barred.
All information of whatsoever nature received from the user is in good faith and is bona fide. The information is believed to be true/correct and complies with the laws of the land.
This Agreement and any dispute or matter arising from incidental use of Apnagharkhoj.com is governed by the laws of India and the User and Apnagharkhoj.com hereby submit to the exclusive jurisdiction of the courts at Mumbai, India without regard to its conflict of law provisions.

XXXIV. Acknowledgment and Acceptance of Terms and Conditions

The terms and conditions appearing here above consist of the entire agreement between the Party/User (as defined above) and the Company (as defined above) and replace all previous arrangements/schedules between the parties regarding the subject matter contained herein above. By completing the registration process and/or checking the "I have read and accept the Terms of Use" box, you are indicating your acceptance of the agreement and to be bound by all of the terms and conditions of the Company as appearing hereinabove.

It is our constant endeavor to make Apnagharkhoj.com an enjoyable and effective experience for all our users. If you observe material or behavior that may violate one of the Apna Ghar Khoj Terms & Conditions, please write to us. This will go a long way in enhancing our service!

XXXV. Privacy Policy

Apnagharkhoj.com respects the privacy of its users and is committed to its protection. Click here to read the Privacy Policy.
The Company, through its various advertising campaigns, collects information about the users. This information is voluntarily provided by the user and is collected in the database of Apnagharkhoj.com. The information so collected in the database through these campaigns refers to the property details, email address, and names of the user. Apnagharkhoj.com uses third-party advertising companies to display/serve their ads on various other internet sites for reaching out to its prospective users/buyers/sellers. The data collected is for the exclusive use of Apnagharkhoj.com and the Company reserves its right to allow access to its clients for the purposes of purchase and disposing of properties only, and any unauthorized use or sharing of information by any third party shall invite appropriate legal action by the Company against the erring party, including indemnification for third-party claims for damages.

XXXVI. Disclaimer

The information and opinions available on this website/App are broad guidelines for general information only. They are solely intended to provide information of general nature on the subject matter. The material on this website/App is not and should not be regarded as legal, financial, or real estate advice. Every effort is made to ensure that the material is accurate and up-to-date. However, we do not guarantee or warrant the accuracy, completeness, or currency of the information provided. Users should make their own inquiries and obtain independent professional advice before making any legal, financial, or real estate decisions. Apna Ghar Khoj.com is not liable for any loss, special, indirect, or consequential damage, cost, or expenses incurred or which may arise, negligence, or other tortious action for any reason whatsoever by any person using or relying on information in this product. Measurements, prices, and locations are approximate and no responsibility is taken for any error, omission, or misunderstanding in these particulars.

XXXVIII. Legal Metrology

Any User of the Site is required to comply with the requirements of Legal Metrology Act, 2009, and the applicable rules, regulations, and guidelines issued under the said Law. The Company shall not be liable for any infringement of said Law by the Users.

XXXIX. RERA Disclaimer

Project developers or builders and Real Estate Agents are required to comply with the rules, regulations, and guidelines of RERA Act 2016 and obtain necessary registration under the said Act. It is mandatory for Project developers or builders and Real Estate Agents to disclose on the Site, all material and requisite information as required under the Act. We do not guarantee that Projects and Real Estate Agents have registered under the Act or are compliant with the same. In no event will the Company be liable for any claim made by the Users including seeking any cancellation for any of the inaccuracies in the information provided on this Site.
It is recommended and advised to refer to the respective RERA website(s) to see and obtain complete information with respect to any Project/Property (which is required to be registered under RERA Act 2016) developed, built by a Developer/Builder and/or initiated/referred to by a Real Estate Agent, before making any Buy/Sell or any other decisions.
Apna Ghar Khoj makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability with respect to the information, services, or related information provided by Developer/Builder/Real Estate Agent/Promoter on its Site with respect to any property or project.

XXXX. Home Loan

User/customer hereby agrees to accept these terms and conditions and authorizes Apna Ghar Khoj (through its representatives) and Lenders/Banks (through their representatives) to contact the User (through call/phone, email, SMS, other online mode, display, notifications) if the User has clicked on 'Apply now'.
Apna Ghar Khoj could share User's information with the Lenders/Banks and brokers/agents/builders to contact the User to fulfill User's requirement and further process.
All confidential information (including name, mobile number, email address, property details, etc.) voluntarily revealed by the User is done at the sole discretion and risk of the User. If such information, collected by the third party is misused or results in unsolicited messages from such third parties, then such actions are beyond the control and liability of Apna Ghar Khoj and Apna Ghar Khoj accepts no responsibility or liability whatsoever for such actions.
Apna Ghar Khoj could retain a copy of information/details shared by the User in its system and such information shall be subject to Apna Ghar Khoj privacy policy as per the prevailing laws and practices. User hereby agrees that Apna Ghar Khoj reserves the right to change these terms and conditions at its sole discretion at any point of time without notifying the User.
All the rates of interests/EMI/tenures/fees/eligibility/offers, etc. as shown on the site of Apna Ghar Khoj are indicative only, and the actual rates of interests/EMI/tenure/fee/eligibility/offers, etc. will depend on the Lender's/Bank's assessment of Users' profiles.
The calculations shown in calculators are approximate values and are only for self-help and planning and Apna Ghar Khoj does not guarantee the accuracy of the calculations, whereas the actual eligibility, EMI, rate of interests, payment schedule, offers, etc. will depend on Lender's/Bank's assessment of the applicants' profiles.
All the Lenders'/Banks' related information has been gathered directly and/or from public sources and is subject to change at any point of time without notice. The User shall be responsible to verify such information directly from the Lenders/Banks and satisfy himself/herself/itself before entering into any transaction.
If the loan is not sanctioned/approved and/or disbursed by the Lender/Banks to the User even after recommendation made by Apna Ghar Khoj based on the information/details shared by the User, Apna Ghar Khoj shall not be responsible or liable for the same including refund of processing fee or any other payment, if paid by the User to the Bank, as the sanction and disbursement of the loan is dependent on the sole discretion of the Lender/Bank.
Fulfillment services including pick up from User the information/details/documents and submit to the Bank are available only in selected cities and for selected Users' profiles and such services can be changed, suspended, or could be temporarily unavailable without notice.
Apna Ghar Khoj is neither providing confirmation nor giving any guarantee to the sanction of the loan or quality of services to be rendered by the Lender/Bank.
Apna Ghar Khoj is not responsible to mediate between User and the Lender/Bank in case of any dispute between them and Apna Ghar Khoj shall not be held responsible and cannot be a Party in case of any dispute between the User and the Lender/Bank and the User shall indemnify Apna Ghar Khoj in case Apna Ghar Khoj suffers any loss/liability in consequence of any dispute between User and the Lender/Bank.
These terms and conditions are equally applicable to (i) home loans, (ii) loan against property, and (iii) balance transfer of home loans and loan against property.

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