Terms of Use

IMPORTANT NOTIFICATIONS

1. It has been brought to our notice that certain unscrupulous individuals/ entities are issuing fake sanction letters purportedly issued by Religare Finvest Limited (“RFL“) to individuals. Such individuals/ entities demand cash or fund transfer to an individual bank account or purchase of a new insurance policy for processing the loan application. These individuals/ entities are fraudulently and illegally misusing the corporate name and/ or brand names of “RFL“ including its subsidiary Religare Housing Development Finance Corporation Limited (“RHDFCL“) to lure the General Public and are harming both, our reputation, as well as exploiting the General Public. By way of this notice, we intend to caution the General Public against such elements. The General Public is advised and cautioned not to rely or act on any such fraudulent offers or sanctions purportedly made in the name of “RHDFCL“ without verifying the authenticity of the contents with RHDFCL. We request you to deal with “RHDFCL“ directly through its existing branch offices only, the addresses for which are available on our websites www.religarehomeloans.com Please note that if you intend to apply for a loan from RFL/RHDFCL, the application fees and/ or processing fees must only be paid by Account Payee Cheque or Demand Draft payable to 'Religare Finvest Limited' or 'Religare Housing Development Finance Corporation Limited' as the case may be, only. Please note that any person who deals with such unscrupulous individuals/ entities shall be doing so at its own risk and RFL/RHDFCL will not be liable or responsible for any kind of loss incurred or damage suffered or any consequences arising thereof. Those desirous of availing loans from RHDFCL may apply online on our website OR speak to our executives on1860 266 4111/1800 103 9711OR visit any of our branches.

Religare Housing Development Finance Corporation Limited.

Terms of Use

NOTICE

Please read these Terms of Use (“TERMS“) carefully. By accessing this site, You agree to be bound by the TERMS and/or any such terms and conditions as are communicated on this website, www.religarehomeloans.com ('Web Site') with respect to use of the online EMI payment services ('Services'). If you do not agree to the TERMS and/or any such terms and conditions as are communicated on the Web Site with respect to the Services, do not access this Web Site.

USE OF INFORMATION AND MATERIALS

1. The information and materials contained on the Web Site, and the terms, conditions, and descriptions that appear, are subject to change. The information, products, and services included in or available on the Web Site may include inaccuracies or typographical errors. Changes may be made periodically to the information provided herein. RHDFCL and/or its respective suppliers / affiliates may make additions and/or changes to the www.religarehomeloans.com website at any time. Before using the Web Site for the Services You should confirm with RHDFCL, any information that is material to your decision of opting for the Services provided by RHDFCL on its Web Site.
2. When you (the “User“/“You“), use the Web Site for the Services, 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 shall be considered as part and parcel of the TERMS.
3. The material contained in this Web Site and on associated web pages is general information and it is not intended to be advice on any particular matter. Subscribers and Users should seek professional advice before acting on the basis of the information contained herein. The decision with respect to nature or suitability or choice or the viability of the Service shall always be the sole responsibility and decision of the subscriber/User.
4. RHDFCL reserves the right to cancel any listing/Service at any time for any reason, with or without cause/reason, and reserves the right to prohibit or restrict access to the Services to anyone at any time, with or without cause/reason.

SERVICES

1. While availing the Services, RHDFCL will not be responsible or assume any liability, whatsoever in respect of any loss or damage arising directly or indirectly to You due to:
   
   1. Lack of authorization for any transaction/s, or
   2. Exceeding the preset limit mutually agreed by You and between "Bank/s", or
   3. Any payment issues arising out of the transaction, or
   4. Decline of transaction for any other reason/s
2. Any refund or cancellation of the transactions done using the Services will be subject to the Cancellation and Refund Policy of RHDFCL which will be made available to you on demand.
3. RHDFCL's arrangement with Issuing Banks

All payment instructions are processed using a payment gateway or appropriate payment system infrastructure and the same will also be governed by the terms and conditions agreed to between RHDFCL and such payment gateway and between the payment gateway and the respective Issuing Bank.

CHARGES

A minimal transaction charge will be applicable for using the Services on the RHDFCL Web Site. RHDFCL reserves the right to change and apply such additional charges from time to time as it may decide in its sole discretion, in consideration for the Services provided herein to the User. In case the User does not consent to pay the service charges then, the User has the option to not use the RHDFCL Web Site for availing the Services.

USER INFORMATION

1. You agree that any material, information, and ideas that you transmit to this Web Site shall be and remain the property of RHDFCL/www.religarehomeloans.com.
2. All information provided/submitted by you with respect to the Services on the Web Site ('User Information') shall be treated as non-confidential and non-proprietary and RHDFCL shall be under no obligation of any kind with respect to such User Information and shall be free to reproduce, use, disclose, and distribute the User Information to others/third party without limitation. Additionally, RHDFCL shall be free to use any ideas, concepts, know-how, or techniques contained in such User Information for any purpose whatsoever including, but not limited to, developing or marketing services incorporating such User Information.
3. It will be the sole responsibility of the Users to ensure that the username and password are kept confidential and not disclosed to any third party, including any representative of the RHDFCL, or its agents and the Users shall take all possible care to prevent discovery of the same by any person.

OTHER TERMS AND CONDITIONS

1. You agree, and are hereby put on notice, that you are prohibited from posting or transmitting to this Web Site any unlawful, threatening, libelous, defamatory, inflammatory, pornographic, or profane material or any other material that could give rise to any civil or criminal liability under law. You are solely responsible for the content of any comments you make.
2. You shall not attempt to gain unauthorized access to any section or feature of the Web Site, or any other systems or networks connected to the Web Site or to any server, computer, network, or to any of the services offered on or through the Web Site, by hacking, password "mining" or any other illegitimate means.
3. You shall not probe, scan or test the vulnerability of the Web Site or any network connected to the Web Site nor breach the security or authentication measures on the Web Site or any network connected to the Web Site. You may not reverse look-up, trace or seek to trace any information on any other User of or visitor to Web Site, or any other customer, including any account on the Website not owned by You, to its source, or exploit the Web Site or any service or information made available or offered by or through the Web Site, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than Your own information, as provided for by the Web Site.
4. RHDFCL may revise these TERMS by updating these terms and/or the Terms and Conditions, including any terms relating to payment/charges for use of the Services. You agree that in the event any portion of these TERMS is found to be unenforceable, the remainder of the TERMS applicable to the Services on the Web Site shall remain in full force and effect. It is your responsibility to review these TERMS periodically for updates / changes. Your continued use of the Web Site following the posting of changes will mean that you accept and agree to the revisions.
5. RHDFCL through Your use of the Web Site, www.religarehomeloans.com may collect information that is not personally-identifiable, including the User's operating system, browser, domain name, and the specific web pages on the www.religarehomeloans.com Web Site that are accessed or visited. When you visit the Web Site for using the Services on the Web Site, the Web Site may store some information on your computer in the form of a "cookie" or similar file. These files allow RHDFCL to tailor the Web Site to reflect a customer's listed or historical preferences.
6. HYPER LINKS: RHDFCL/www.religarehomeloans.com is not responsible for any errors, omissions or representations on the Web Site or any links on the Web Site. Please verify the veracity of all information on your own before placing any reliance. The linked sites are not under RHDFCL's control and RHDFCL is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. RHDFCL is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by RHDFCL of the site.
7. INDEMNITY:

You shall indemnify and hold harmless RHDFCL , its owner, licensee, affiliates, subsidiaries, group companies (as applicable) and their respective officers, directors, agents, and employees, from any claim or demand, or actions including reasonable attorneys' fees, made by any third party or penalty imposed due to or arising out of Your breach of the TERMS and other Policies, or Your violation of any law, rules or regulations or the rights (including infringement of intellectual property rights) of a third party.

DISCLAIMER OF WARRANTIES AND LIABILITIES:

1. If you choose to use the Web Site for the Services and rely on this Service or any material available through this Service, you do so at your own risk. You understand and accept that there may be delays, omissions, interruptions, inaccuracies, and/or other problems with the information, products, and Services published / provided on this Web Site. This Service is provided to you on "as is" basis. RHDFCL and its affiliates, agents and licensors cannot and do not warrant the accuracy, completeness, non-infringement, merchantability or fitness for a particular purpose of the information available through the Service (or any information, goods or services that are referred to, advertised on, or sold through this Service), nor do they guarantee that the Service on RHDFCL Web Site will be error free, or continuously available, or that the Service will be free of viruses or of any other harmful components.
2. RHDFCL reserves the right to suspend these Services for any reason whatsoever, including if in RHDFCL'sopinion security of the Web Site or of the data could be compromised.
3. RHDFCL may also suspend the Services on the Web Site for any customer at its sole discretion without assigning any reason whatsoever. In such event the User should contact RHDFCL for any clarification.
4. We hereby expressly disclaim any implied warranties imputed by the laws of any jurisdiction.
5. In no event shall RHDFCL and/or its affiliates and associate companies be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including without limitation, damages due to use of the Services on the Website, with the delay or inability to use the Service or related services, the provision or failure to provide the Services, or for any information, products, Services and related graphics obtained through the Website, or otherwise arising out of the use of the Web Site, www.religarehomeloans.com, whether based on contract, tort, negligence, strict liability or otherwise, even if RHDFCL or any of its suppliers / affiliates has been advised of the possibility of such damages. If you are dissatisfied with the Services on the Web Site or with any of these TERMS, your sole and exclusive remedy is to discontinue using the www.religarehomeloans.com website.
6. RHDFCL does not warrant that the Web Site that it administers for the use of Services by the Users, or any linked web site is free from viruses or other destructive materials, and RHDFCL and/or its affiliates shall not be liable for any damage caused to the Registered User's hardware or software as a result of the Registered User's participation and use of Services on the Web Site.
7. All information/statements/certificates should be used in accordance with applicable laws and RHDFCL does not undertake any kind of liability whatsoever for the same.
8. In case of any discrepancy between the information/data on the Web Site and the information available with you in your records, or in the event of any other queries/assistance that you may require in relation to the Services, you are requested to please write to RHDFCL at the following email address: : customerservice@religare.com

Applicable Law

The TERMS shall be governed by and interpreted and construed in accordance with the laws of India. The place of jurisdiction shall be exclusively in New Delhi.

1. You agree and acknowledge that your use of the Services on the Web Site, www.religarehomeloans.com constitutes your agreement to all the TERMS and you agree to be bound by the Terms of Use and the Terms and Conditions.
2. RHDFCL reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in the sole discretion of RHDFCL.
3. RHDFCL reserves the right, in its sole discretion, to terminate access to any or all of the services available on the Web Site and the related services or any portion thereof at any time, without notice.
4. You agree that no joint venture, partnership, employment, or agency relationship exists between you and RHDFCL and/or its affiliates or group companies as a result of you being bound by these TERMS or use of the Web Site, www.religarehomeloans.com. Performance of the TERMS by RHDFCL are subject to existing laws and legal process, and nothing contained in these TERMS is in derogation of the rights of RHDFCL to comply with governmental, court and law enforcement requests or requirements relating to your use of www.religarehomeloans.comor information provided to or gathered by www.religarehomeloans.comwith respect to such use.
5. Unless otherwise specified herein, the TERMS constitute the entire agreement between the User and RHDFCL with respect to use of the Services on the Web Site, and supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the User and RHDFCL with respect to the use of the Services on the Web Site. A printed version of the TERMS and of any notice given in electronic form shall be admissible in judicial or administrative proceedings arising or in connection with the Services availed on the Web Site to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
6. You hereby agree to release RHDFCL, its affiliates/associate companies, their suppliers, service partners, agents, employees, consultants, officers and directors from all claims, demands and damages, whether actual or consequential, of every kind, whether known or unknown, disclosed or undisclosed, arising out of or relating to any and all listings, transactions, or in relation to use of the Services on the Web Site.

The Company is not responsible for any pornographic material, restricted secrets or controlled content or material in any form, which may be uploaded by the Users/third parties onto the Web Site. All submissions of this nature are unauthorized and RHDFCL shall use its best efforts to remove any such submission as soon as it is notified of the same, or comes to know of the same.

We agree that RHDFCL reserves the right in its sole discretion to reject/ not process the payment made and refund the payment received from a Third Party. I/ We hereby declare that the amount being paid is through legitimate sources only and does not involve and is not designed for the purpose of any contravention or evasion of any Act, Rules, Regulations, Notifications or Directions issued by any statutory/ regulatory authority in India. I/ We undertake to assume personal liability for any claim, loss and/or damage of whatsoever nature that RHDFCL may suffer as a result of accepting payment from the Third Party.

Definition

1. Any payment collected from person / entity other than Applicant / Co Applicant / Guarantor /Security Provider/Spouse/ Blood Relative via any of the payment modes (Cash/DD/Cheque /Electronic Payment) is called Third Party Payment. Blood relatives is defined in the below table (Ensure to collection declaration clearly mentioning the relationship).

Illustrative List of Relatives