Disclaimer

Last updated: 14 February 2025

1. General Disclaimer

The information contained on the Excel Finvest website (excelfinvest.com) is provided on an "as is" and "as available" basis, without any representations, warranties, or guarantees of any kind, whether express, implied, statutory, or otherwise, including but not limited to:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement
• Warranties regarding the accuracy, reliability, completeness, or timeliness of any information
• Warranties that the Website or Services will be uninterrupted, error-free, or secure
• Warranties regarding the results that may be obtained from the use of this Website or Services

2. Not a Lending Institution

3. No Guarantee of Loan Approval

• Excel Finvest does not guarantee, assure, or promise the approval, sanction, or disbursement of any loan or credit facility.
• The decision to approve or reject a loan application rests solely and entirely with the respective bank, NBFC, or financial institution (Lending Partner).
• Loan approval depends on multiple factors including but not limited to the applicant's credit score, income, employment stability, existing liabilities, property valuation, documentation, and the Lending Partner's internal policies and RBI/NHB guidelines.
• We shall not be held responsible for any loan application rejection, delay, or unfavorable terms offered by any Lending Partner.

4. Interest Rates & Financial Information Disclaimer

• Actual interest rates and terms are determined by Lending Partners based on individual applicant profiles, prevailing market conditions, RBI monetary policy, and the Lending Partner's own policies.
• Interest rates are subject to change at the sole discretion of Lending Partners without prior notice to us or to you.
• Excel Finvest makes no representation or warranty that the rates displayed on this Website are current, accurate, or available to any specific applicant.
• Additional charges such as processing fees, legal charges, valuation fees, stamp duty, registration charges, insurance premiums, prepayment penalties, and other applicable charges may apply as determined by the Lending Partner.

5. Testimonials & Success Stories Disclaimer

• Any testimonials, reviews, success stories, case studies, or client experiences displayed on this Website represent individual experiences only and do not guarantee similar results for any other user.
• Results, interest rates, loan amounts, and processing times vary significantly based on individual circumstances, credit profiles, income levels, market conditions, and Lending Partner policies.
• The testimonials may have been edited for clarity and brevity. Excel Finvest does not verify the accuracy of all claims made in testimonials.

6. Third-Party Content & Links

• This Website may display logos, trademarks, names, and references to third-party banks, NBFCs, and financial institutions. These are used solely for identification purposes and do not imply endorsement, sponsorship, partnership, or any formal affiliation unless explicitly stated.
• Excel Finvest is not responsible for the accuracy, content, policies, practices, or availability of any third-party website or service.
• Any interaction or transaction you have with a third party (including Lending Partners) is solely between you and that third party. Excel Finvest shall bear no liability arising from such interactions.

7. No Professional Advice

Nothing on this Website constitutes:

• Financial advice - We do not provide regulated financial advisory services
• Tax advice - Consult a qualified chartered accountant or tax advisor for tax implications of loans
• Legal advice - Consult a qualified lawyer for legal aspects of property transactions and loan agreements
• Investment advice - We do not recommend or advise on investments

You are solely responsible for evaluating the suitability, merits, and risks of any loan product before availing it. We strongly recommend consulting qualified professionals before making financial decisions.

8. Property & Valuation Disclaimer

For home loans and loan against property:

• Excel Finvest does not conduct property inspections, verify property titles, perform legal due diligence, or assess property valuations.
• Property verification, title search, legal vetting, and valuation are conducted by the Lending Partner or their appointed agents.
• We shall not be liable for any issues related to property title, encumbrances, disputes, construction quality, builder reputation, RERA compliance, or property valuation.
• It is your sole responsibility to conduct independent due diligence on any property before availing a loan.

9. Data & Communication Disclaimer

• While we implement reasonable security measures, we do not guarantee the absolute security of your personal data transmitted through this Website, email, phone, WhatsApp, or any other communication channel.
• You acknowledge that the Internet is not a fully secure medium and that information transmitted electronically may be intercepted, lost, or altered by third parties.
• Excel Finvest shall not be liable for any loss or damage resulting from unauthorized access to, or alteration of, your data during transmission.

10. Regulatory Disclaimer

• All Loan Products facilitated through Excel Finvest are subject to the rules, regulations, and guidelines of the Reserve Bank of India (RBI), National Housing Bank (NHB), Securities and Exchange Board of India (SEBI), and other relevant regulatory authorities.
• Regulatory changes may impact loan products, interest rates, eligibility criteria, and terms without prior notice.
• Excel Finvest is not responsible for any impact of regulatory changes on your loan application or existing loan.

11. Limitation of Liability

Under no circumstances shall Excel Finvest, its proprietor Shibu Daniel, employees, agents, or representatives be liable for any:

• Direct, indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, goodwill, or anticipated savings
• Personal injury or property damage arising from your use of this Website or Services
• Any conduct or content of any third party, including Lending Partners
• Unauthorized access, use, or alteration of your transmissions or content
• Any matter relating to this Website or our Services

This limitation applies regardless of the theory of liability (contract, tort, strict liability, or otherwise) and even if Excel Finvest has been advised of the possibility of such damages.

12. Disclaimer of Representations

Excel Finvest does not represent, warrant, or guarantee that:

• Any specific loan amount, interest rate, or tenure will be offered to you
• Any Lending Partner will approve your loan application
• The loan process will be completed within any specific timeframe
• The information on this Website is complete, current, or error-free
• Our Services will meet your specific requirements or expectations
• Any errors or defects on this Website will be corrected

13. Assumption of Risk

By using this Website and/or our Services, you expressly acknowledge and agree that:

• You use this Website and our Services at your own risk
• You are solely responsible for evaluating the accuracy, completeness, and usefulness of any information provided
• You will independently verify all information before making any financial decisions
• You understand that loan products carry inherent risks including interest rate fluctuations, prepayment penalties, and the consequences of default
• You will read and understand all terms, conditions, and fine print of any loan agreement before signing

14. Governing Law & Jurisdiction

15. Contact

If you have any questions about this Disclaimer, please contact:

Excel Finvest
Proprietor: Shibu Daniel
#823, Ground Floor, 8th Cross, 27th Main,
HSR Layout, Bengaluru - 560102,
Karnataka, India
Phone: +91 97421 04400
Email: loans.excelfinvest@gmail.com

Back to Home  |  Terms & Conditions  |  Privacy Policy