Terms of Service

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

⚠ Not yet legally reviewed. This draft covers standard terms for a loan-referral advisory website, written to be a genuinely useful starting point — but it hasn't been reviewed by a qualified lawyer, and DSA activities are subject to RBI's Fair Practices Code and lender-specific agreements that should inform the final version. Please have counsel review before this goes live.

1. Who we are

NRI Home Finance is an initiative of IA Wealth Real Estate LLC (RERA Reg. 52591, Trade License 1512596, Broker Card 86334), Dubai, acting as a registered Direct Selling Agent (DSA) for home loans in India. By using this website, you agree to these terms.

2. What we do — and don't do

We are a loan referral and advisory service, not a bank or NBFC. We help connect you with lenders on our panel and assist with documentation and process guidance. We do not:

Guarantee loan approval, a specific interest rate, or specific loan terms
Disburse loan funds ourselves — all lending decisions and fund disbursal are made solely by the relevant bank or NBFC
Act as a substitute for independent legal, tax, or financial advice

3. Accuracy of information on this site

Interest rates, fees, eligibility criteria, and other lender-specific details shown on this website are indicative, sourced from publicly available information, and subject to change without notice. Always confirm current terms directly with the relevant lender before making a decision. We do not guarantee the accuracy or completeness of this information at any given time.

4. Your responsibilities

Provide accurate and complete information when making an enquiry or application
Use this website only for lawful purposes
Understand that final approval, terms, and conditions rest entirely with the lender you're matched with

5. No warranty

This website and its content are provided "as is." While we aim for accuracy, we make no warranty that the site will be error-free, uninterrupted, or that any loan application facilitated through us will be approved.

6. Limitation of liability

To the extent permitted by law, IA Wealth Real Estate LLC and NRI Home Finance are not liable for any loss or damage arising from your use of this website, reliance on information shown here, or the outcome of any loan application with a third-party lender.

7. Third-party links and lenders

This site may link to or reference third-party lenders' websites and products. We are not responsible for the content, accuracy, or practices of third-party sites.

8. Governing law

[To be confirmed with counsel — likely UAE law given the operating entity's Dubai registration, with consideration for Indian regulatory requirements given the DSA activity relates to Indian lending.]

9. Changes to these terms

We may update these terms from time to time. Continued use of this website after changes constitutes acceptance of the revised terms.

10. Contact us

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