Please read the terms and conditions of the legal disclaimers (“Legal Disclaimers”) carefully. These Legal Disclaimers are a legally binding agreement between you and Poonawalla Housing Finance Limited (“PHFL”), establishing the terms and conditions under www.poonawallahousing.com (the “Website”) for the PHFL’s profile, information, products and services and to facilitate communication with various users availing its services (“Services”). By accessing the Website, or any pages thereof, and/or using the information provided on or via the Website, you agree to be bound by the Legal Disclaimers and the terms contained therein. In the event of any conflict between the terms and conditions of specific products and services and the Legal Disclaimers, the conditions specific to such products and services shall prevail. If you do not agree with any of the Legal Disclaimers above, please do not read the information on any of PHFL’s pages. The Website is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Website constitutes your agreement to all such terms, conditions, and notices of the Legal Disclaimers.
The information, content, materials, data, news items, products (including, but not limited to text, content, photographs, graphics, video and audio content) financial data, news, research, recommendations, and opinions or other financial information (“Content”) contained on this Website is provided for general information only and should not be used as a basis for making business/commercial decisions. You are advised to exercise due caution and/or seek independent advice before entering into any investment or financial obligation based on the Content contained on this Website. PHFL maintains this Website for dissemination of information of PHFL, its group companies, subsidiaries affiliates, suppliers, agents or licensors, its products and services and as a means of general communication with you which shall not be construed in any manner as advice to you.
The Content contained in this Website, including text, graphics, links or other terms are provided on an "as is", "as available" basis and are protected by copyright. You shall not distribute text or graphics to others without the express and prior written consent of PHFL. You shall not copy, download, publish, distribute, or reproduce any of the Content contained on this Website in any form without express and prior written permission of PHFL.
The Content on this Website should not be regarded as offer, solicitation, invitation, advice, or recommendation to avail the schemes of PHFL, its group companies, subsidiary companies or any of its affiliates. If you rely on the Website, products and/or services or any material available through this Website, 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 over this Website.
Use of the products or services described in this Website may not be permitted in some countries and if in doubt, you should check with your local regulator or authority before requesting further information on such products/ services. Products and Services are available only at the discretion of PHFL, subject to the individual contractual terms and conditions of products and services on which they are offered, and such products and services may be withdrawn or amended at any time without notice. The full range of products or services may not be available in all locations.
The Information included in or available on the Website may include inaccuracies or typographical errors. Although PHFL has made every attempt to ensure accuracy and reliability of the information disseminated on the Website, any errors are accidental and are solely out of inadvertence.
PHFL, its group companies, subsidiaries, affiliates, suppliers, agents or licensors cannot and do not warrant the accuracy, completeness, correctness, 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. PHFL, group companies, subsidiaries, affiliates, suppliers, agents or licensors do not guarantee that this information on the Website will be error free or continuously available, or that the service will be free of viruses or other harmful components. PHFL, group companies, subsidiaries, affiliates, suppliers, agents, or licensors disclaim all warranties and conditions with regard to the information, products, services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title and non-infringement. No information sent to any client through this Website or available on this Website shall constitute any representation or warranty by PHFL, or its group companies, subsidiaries or affiliates regarding the creditworthiness, financial performance or prospects, solvency, or viability of any company or other legal entity or the business carried on by such entity.
This Website may contain advice/opinions and statements of various professionals/ experts/ analysts, etc. PHFL does not represent/endorse the accuracy, reliability of any of the opinions/ statements/ information by such person. Reliance on these statements shall be at the risk of the user of this Website. It is the responsibility of the user of this Website to independently verify and evaluate the accuracy, completeness, reliability and usefulness of any opinions, services or other information provided on this Website. All information in this Website is being provided under the condition and understanding that the same is not being interpreted or relied on as legal, accounting, tax, financial, investment or other professional advice, or as advice on specific facts or matters.
PHFL may at any time (without being obliged to do so) without notice update, edit, alter and or remove any information in whole or in part that may be available on this Website and shall not be held responsible for all or any actions that may subsequently result in any loss, damage and or liability. Nothing contained herein is to be construed as a recommendation to use any product or process, and PHFL makes no representation or warranty, express or implied that, the use thereof will not infringe any intellectual property or otherwise. The user is expected to keep abreast of any changes made in this Website and the information available on it on a regular basis, and PHFL undertakes no responsibility about advising the user about any such changes. Though PHFL will endeavour to ensure that information contained on this Website is obtained from sources which, it feels, are reliable, PHFL does not warrant such information's completeness or accuracy.
Under no circumstances shall PHFL, its group companies, subsidiaries, affiliates, suppliers, agents, or licensors be liable to you or anyone else for any damages, including, without limitation, any liability for consequential, special, incidental, indirect, punitive, exemplary, or other damages of any kind even in case of advice of the possibility of such damages. The material contained in this Website and on associated web pages is general information and it is not intended to be advice on any matter. Subscribers and users should seek professional advice before acting based on the information contained herein. The decision with respect to any financial product or opportunity or nature or suitability or choice or the viability of any product or service shall always be sole responsibility and decision of the subscriber and user.
While using the Website you may download any downloadable material on the Website for strictly non-commercial and personal use, provided you are not in violation or infringement of any rights in all copyright and other proprietary notices contained on the materials. Any material downloaded or otherwise obtained by the use of the Website is done at your own discretion and risk and that you will be solely responsible and PHFL shall not be liable for any damage to your computer system, loss of data that results from the download of any such material and any loss or damage of any kind including a loss of property or otherwise.
You shall not, however, distribute, modify, transmit, reuse, report, or use the contents of the Website for public or commercial purposes, including the text, images, audio, and video without PHFL’s prior written permission.
The Content and the trademarks, service marks, trade names, icons, and logos contained therein ("Marks"), including without limitation, the terms "PHFL," and the PHFL logos, are owned by PHFL. Further, all content and images used on the Website are owned and licensed by PHFL, and any unauthorized use thereof is prohibited. PHFL, its group companies, subsidiaries or affiliates are the owner(s) of the names of the products and services and they reserve its rights as a prior use/registered owner of the intellectual property including and not limited to trademarks and copyright vested in such names. Nothing contained herein shall be construed as conferring any license, assignment, transfer of PHFL’s rights in its intellectual property including and not limited to trademark or copyright. PHFL retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or by the Website (including all texts, graphics and logos). PHFL reserves all rights not expressly granted in and to the Website and the Content.
PHFL, group companies, subsidiaries or affiliates reserves the right to cancel any listing 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. If you rely on this service or any material available through this service, you do at your own risk.
You agree that any material, information, and ideas that you transmit to this Website shall be and remain the property of PHFL, its group companies, subsidiaries and/ or affiliates. All transmissions shall be treated as non-confidential and non-proprietary and PHFL, its group companies, subsidiaries or affiliates shall be under no obligation of any kind with respect to such information and shall be free to reproduce, use, disclose, and distribute the transmissions to others without limitation. Additionally, PHFL, its group companies, subsidiaries or affiliates shall be free to use any ideas, concepts, know-how, or techniques contained in such information for any purpose whatsoever including, but not limited to, developing or marketing services incorporating such information.
You agree, and are hereby put on notice, that you are prohibited from posting or transmitting to or from this Website any unlawful, threatening, libellous, 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 and that PHFL can remove such material at its sole discretion and without any notice to you.
PHFL by the Website may collect information from Website’s visitors including the visitor's operating system, browser, domain name, and the specific web pages on the Website that are accessed or visited.
PHFL informs the Website visitors that when they visit Website, PHFL may store some information on the visitor's computer in the form of a "cookie" or similar file. These files allow PHFL to tailor a Website to reflect a customer's listed or historical preferences. Most web browsers allow web users to exercise control over such files on their computers by erasing them, blocking them, or notifying the user when such a file is stored. The Website visitors are asked to refer to their browser's instructions to learn about those functions.
This Website may contain links to other websites of subsidiary companies and affiliate companies of PHFL. This Website may also contain links to external websites, having further linked websites, controlled, or offered by third parties (Non-Affiliates of PHFL), in order to help you find relevant websites, services and/or products which may be of interest to you, quickly and easily. The contents displayed or products / services offered on such linked websites, or any quality of the products/ services are not endorsed, verified, or monitored by PHFL. PHFL is also not responsible for the owners or operators of such external websites or for any products or services they supply or for the contents of their websites and do not give or enter into any conditions, warranties, express or implied; or other terms or representations in relation to any of these or accept any liability in relation to any of these (including any liability arising out of any claim that the content of any external website to which this website includes a link infringes the intellectual property rights of any third party).
PHFL hereby expressly disclaim any implied warranties imputed by the laws of any jurisdiction. All disputes and legal matters and issues shall be subject to the jurisdiction only of the Pune Courts in India. All disputes shall be referred to arbitration as provided in Terms and Conditions.
PHFL 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 product or services, in whole or in part, to PHFL’s sole discretion and without any prior notice to you.
No compensation will be paid with respect to the use of your submissions, as provided herein. PHFL is under no obligation to post or use any submission you may provide and may remove any submission at any time in PHFL’s sole discretion.
By posting, uploading, inputting, providing, or submitting your submission you warrant and represent that you own or otherwise control all of the rights to your submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the submissions.
Software (if any) that is made available to download from the Website, excluding software that may be made available by end-users through a Communication Service, ("Software") is the end work of the software provider. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software ("License Agreement"). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.
PHFL reserves the right, in its sole discretion, to terminate your access to any or all of the Website and the related services or any portion thereof at any time, without notice.
PHFL, its group companies, suppliers, service partners, agents, employees, licensors, consultants, officers and directors accept no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential, punitive, or exemplary loss, damage or expenses, lost revenues or profits, loss of business or loss of data) from your use of this Website or any linked site or inability to use by any party, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, omission, interruption, imperfection, fault, mistake or inaccuracy with this Website, its Contents or associated services, or due to any unavailability of the Website or any part thereof or any Contents or associated services even if the entities are advised of the possibility of such damages, losses or expenses.