Disclaimer

Last updated: [date] — draft, pending legal review

⚠ Not yet legally reviewed. This draft consolidates the disclaimers already used across the site (rate accuracy, DSA role, land-purchase restrictions) into one place, and adds a few standard ones for a lending-referral business — but it hasn't been reviewed by a qualified lawyer. Please have counsel review before this goes live.

1. We are a loan referral service, not a lender

NRI Home Finance, an initiative of IA Wealth Real Estate LLC, is a registered Direct Selling Agent (DSA). We are not a bank or NBFC. We do not sanction loans, disburse funds, or make final lending decisions — these rest entirely with the bank or NBFC you are matched with.

2. No guarantee of approval or terms

Nothing on this website constitutes a guarantee of loan approval, a specific interest rate, or specific loan terms. Every application is independently assessed by the lender based on their own credit and underwriting policies.

3. Rates and fees shown are indicative

Interest rates, processing fees, tenure, and other figures shown on this website — including on our Compare Lenders page and individual product pages — are indicative, sourced from public lender disclosures, and may not reflect current terms. Always confirm directly with the lender before making a decision or relying on any figure shown here.

4. Eligibility criteria are general guidance

Eligibility criteria, income thresholds, and documentation checklists shown on this website are general guidance based on typical lender requirements, not a guarantee of your specific eligibility. Your actual eligibility is determined solely by the lender.

5. Not legal, tax, or financial advice

Content on this website, including regulatory information about FEMA, property purchase restrictions, and tax treatment, is general information for educational purposes and not a substitute for advice from a qualified lawyer, chartered accountant, or financial advisor. Always consult a qualified professional for advice specific to your situation.

6. Land and property purchase restrictions

As explained on our Land Loan page, NRIs are prohibited under FEMA from purchasing agricultural land, plantation property, or a farmhouse in India. This is a legal restriction under Indian law, not a policy of ours or any lender, and cannot be worked around through any lending product on this site.

7. Third-party lenders

Lender names, logos, and information shown on this website reflect our DSA panel as of the date this content was published. Empanelment status, products offered, and terms are subject to change by the lender at any time without notice to us.

8. No professional-client relationship

Contacting us via WhatsApp, phone, or this website does not create a professional advisory, fiduciary, or client relationship until formally agreed in writing.

9. Contact us

For questions about this disclaimer, contact us via WhatsApp or email at dubai@investadvise.in.