Disclaimer

1. Nature of CredWise Finserv — Who We Are

CredWise Finserv is a Direct Sales Agent (DSA) and home loan advisory intermediary. We are NOT a bank, Non-Banking Financial Company (NBFC), Housing Finance Company (HFC), or any other form of registered lender or financial institution regulated under the Banking Regulation Act, 1949 or the Reserve Bank of India Act, 1934.

Our role is limited to:

• Advising customers on home loan products available in the market
• Facilitating and submitting loan applications to partner lenders on behalf of customers
• Assisting with documentation and application processes
• Providing property due diligence awareness and guidance

We do not sanction, approve, disburse, or guarantee any home loan. All lending decisions are made solely and exclusively by the respective bank, HFC, or NBFC.

2. No Guarantee of Loan Approval

CredWise Finserv does not guarantee, promise, or represent that:

• Your home loan application will be approved by any lender
• You will receive the interest rate, loan amount, or tenure you have applied for
• The loan will be sanctioned within any specific time period
• The property you intend to purchase will be approved by the lender

Loan approvals, interest rates, loan-to-value ratios, and all related terms are determined entirely at the discretion of the lending institution, subject to their internal credit policies, regulatory requirements, and your individual financial profile.

3. Financial Information Disclaimer

All information provided on our website, app, social media channels, or by our representatives, including but not limited to interest rates, EMI calculations, eligibility criteria, processing fees, and bank policies, is for general informational and illustrative purposes only.

• Interest rates are subject to change without notice at the discretion of the lender
• EMI calculators are indicative tools only and may not reflect actual repayment obligations
• Eligibility criteria vary across lenders and are updated periodically
• Government scheme benefits (e.g., PMAY subsidy) are subject to individual eligibility and scheme availability

Always verify current rates, terms, and conditions directly with the respective financial institution before making any financial commitment.

4. Not Financial, Legal, or Investment Advice

Nothing on our website, app, marketing materials, or communications from our team constitutes:

• Financial advice under any applicable law or regulation
• Legal advice regarding property transactions, title, or ownership
• Investment advice or a recommendation to buy, sell, or hold any asset
• Tax advice regarding home loan deductions or property transactions

We strongly recommend that you consult qualified and registered professionals — including a Certified Financial Planner, lawyer, or Chartered Accountant — before making significant financial decisions such as purchasing property or committing to a long-term loan.

5. Commission & Remuneration Disclosure

In the interest of transparency, CredWise Finserv discloses that we may earn a referral commission or Direct Sales Agent fee from partner lenders when a loan application facilitated by us is successfully sanctioned and disbursed.

This commission is paid by the lender and does not result in any additional cost to you as the borrower. However, customers should be aware that:

• Our partner lender relationships may influence which products we present to you
• We endeavour to recommend products that are in your best interest based on your profile
• You are under no obligation to proceed with any product we recommend
• You are free to independently approach any lender directly

6. Property Due Diligence Disclaimer

CredWise Finserv may provide general guidance and awareness on property-related red flags, legal checks, and due diligence best practices. However:

• We are not a licensed property valuer, legal title searcher, or registered property consultant
• Our property guidance is informational only and does not constitute a legal title opinion
• We do not verify or certify that any property is free from encumbrances, disputes, or regulatory non-compliance
• Approval of a property by a partner lender does not guarantee its legal or structural soundness

Always engage a qualified lawyer for independent legal due diligence and a certified valuer for property valuation before executing any property purchase agreement.

7. Limitation of Liability

To the fullest extent permitted by applicable law, CredWise Finserv, its directors, employees, agents, and representatives shall not be liable for:

• Any loss, damage, or expense arising from reliance on information provided on our platform
• Rejection of loan applications by lenders
• Delays in loan processing, sanction, or disbursement by lenders
• Any financial loss arising from property transactions facilitated through our advisory
• Technical errors, downtime, or inaccuracies on our website or app
• Actions or omissions of third-party lenders, legal professionals, or property developers

Our total liability in any circumstances shall be limited to the service fees, if any, paid directly to CredWise Finserv by the customer for the specific service in question.

8. Third-Party Links & Content

Our website or communications may contain links to third-party websites, lender portals, government portals, or external resources. CredWise Finserv:

• Does not endorse, control, or take responsibility for the content of third-party websites
• Is not responsible for the privacy practices of external sites
• Recommends that you review the terms and privacy policies of any third-party site you visit

9. Regulatory Compliance

CredWise Finserv operates as a DSA in accordance with applicable guidelines issued by the Reserve Bank of India (RBI) and other relevant regulatory authorities. We are registered/empanelled with partner lenders as required under their DSA agreements.

Customers are advised that:

• RBI does not directly regulate DSAs but lenders are responsible for DSA conduct under their oversight
• Any grievance against a lender should be escalated to the lender's Grievance Redressal Cell and subsequently to the RBI Banking Ombudsman if unresolved
• Grievances against CredWise Finserv's advisory services can be directed to help@credwisefinserv.com

10. "As Is" Basis

Our services, website, app, and all associated content are provided on an "as is" and "as available" basis. We make no warranties, express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that our platform will be uninterrupted, error-free, or free of viruses
• Warranties regarding the accuracy, completeness, or timeliness of any information provided

11. Changes to This Disclaimer

CredWise Finserv reserves the right to update or modify this Disclaimer at any time without prior notice. The revised Disclaimer will be posted on our website with an updated date. Continued use of our services after any modification constitutes your acceptance of the revised Disclaimer.

12. Governing Law & Jurisdiction

This Disclaimer shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with this Disclaimer or the use of CredWise Finserv's services shall be subject to the exclusive jurisdiction of the courts located in [Insert City — e.g., Bengaluru / Pune / Mumbai], India.

13. Contact Us

For any queries, concerns, or clarifications regarding this Disclaimer, please contact:

• CredWise Finserv
• Email: help@credwisefinserv.com
• Address: [Insert Registered Address]