Terms & Conditions

Acceptance of Terms

By accessing or using the website at https://loandeskadvisory.com/ ("the Website") or by engaging with any service provided by Digvijaya Loandesk Consultancy Pvt Ltd trading as LoanDesk Advisory ("we", "us", "our"), you confirm that you have read, understood, and agree to be bound by these Terms & Conditions.

If you do not agree to these terms, you must refrain from using the Website and our services. These terms apply to all visitors, users, and prospective or active clients.

Services Offered

LoanDesk Advisory provides financial consulting and advisory services in the domain of real estate financing and property due diligence, including but not limited to:

• Home loan counselling and lender liaison
• Mortgage loan and Loan Against Property (LAP) advisory
• CIBIL score analysis and credit improvement guidance
• Property guidance and pre-purchase due diligence
• Legal due diligence and title verification support
• NPA property consultation and takeover advisory
• Balance transfer and EMI restructuring advisory

All services are of an advisory and facilitation nature. We do not directly sanction loans, offer credit, hold a banking licence, or act as a financial institution. Loan approval, terms, and disbursement decisions rest solely with the relevant bank or NBFC.

Eligibility

Our services are available only to individuals who are:

• 18 years of age or older
• Legally competent to enter into a binding contract under applicable Indian law
• Residents or non-resident Indians (NRIs) seeking property or loan advisory services in India

By using our services, you represent and warrant that you meet all of the above eligibility requirements. If you are accessing our services on behalf of a business entity, you represent that you have the authority to bind that entity to these terms.

Use of the Website

You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of others. You must not:

• Use the Website in any way that is unlawful, fraudulent, or harmful
• Submit false or misleading information through any form or communication
• Attempt to gain unauthorised access to any part of the Website or its underlying systems
• Introduce viruses, malware, or any other malicious code
• Scrape, harvest, or collect data from the Website without our prior written consent
• Reproduce, redistribute, or commercially exploit any content from the Website without permission

We reserve the right to restrict or terminate access to the Website for any user who violates these terms, at our sole discretion and without prior notice.

Advisory Nature of Services

All information, calculations, assessments, and recommendations provided by LoanDesk Advisory — whether through the Website, email, phone, or in-person consultations — are advisory in nature only.

They are based on information available at the time and do not constitute:

• A guarantee of loan approval or specific loan terms
• Certified legal advice or a legal opinion admissible in court
• A promise of investment returns or financial outcomes
• Any form of regulated financial advice under SEBI, RBI, or other regulatory frameworks

You are solely responsible for verifying any information provided and for all decisions made based on our advisory services. We strongly recommend consulting a qualified legal professional and the relevant lender before finalising any property or loan transaction.

Fees & Engagement

Details of our advisory fees, engagement scope, and deliverables are communicated directly to clients prior to engagement via a service agreement or written proposal.

• Fees vary depending on the nature and complexity of the service engaged
• Initial consultations may be provided at no charge at our discretion
• All fees must be settled as per the terms agreed at the time of engagement
• Refunds, if applicable, are governed by the specific service agreement in place
• We reserve the right to revise our fee structure; any changes will be communicated prior to engagement

LoanDesk Advisory may receive referral compensation from lenders or other partners in some cases. Where this applies, it will be disclosed to you before we provide a recommendation involving that partner.

Intellectual Property

All content on this Website — including text, graphics, logos, service descriptions, page layouts, icons, and tools — is the intellectual property of Digvijaya Loandesk Consultancy Pvt Ltd or its licensors and is protected under applicable Indian intellectual property laws.

You may not copy, reproduce, distribute, republish, or create derivative works from any content on this Website without our express prior written permission. Linking to our Website homepage is permitted provided it does not misrepresent our brand or imply endorsement.

Limitation of Liability

To the fullest extent permitted under applicable law, Digvijaya Loandesk Consultancy Pvt Ltd shall not be liable for:

• Any direct, indirect, incidental, consequential, or punitive losses arising from the use of our services or Website
• Loan rejection, unfavourable loan terms, or lender decisions made independently of our advisory
• Loss arising from reliance on calculator outputs, indicative estimates, or preliminary assessments
• Legal disputes, encumbrances, or title defects in any property not directly assessed by our legal due diligence team
• Interruptions, errors, or unavailability of the Website or its features
• Acts or omissions of third parties including banks, legal professionals, builders, or property sellers

Our total aggregate liability to any client in connection with a specific service engagement shall not exceed the fees paid by that client to us for that specific service.

Third-Party Services

Our Website may link to or reference third-party websites, lenders, legal partners, or other service providers. These references are provided for convenience and informational purposes only.

LoanDesk Advisory does not endorse, warrant, or assume responsibility for the content, practices, or services of any third party. Your engagement with third-party services is entirely at your own risk and governed by their respective terms and conditions.

Termination

We reserve the right to suspend or terminate your access to our Website and services, with or without notice, if we believe you have breached these Terms & Conditions or engaged in conduct detrimental to us, our partners, or other users.

You may discontinue use of our services at any time. Upon termination of an active engagement, the terms relating to intellectual property, limitation of liability, governing law, and any outstanding payment obligations shall survive.

Governing Law & Jurisdiction

These Terms & Conditions are governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts located in Bengaluru, Karnataka.

In the event of any dispute, both parties agree to first attempt resolution through good-faith negotiation before initiating legal proceedings.

Amendments

We reserve the right to modify these Terms & Conditions at any time. When we make changes, we will update the "Last Updated" date at the top of this page. For material changes, we will make reasonable efforts to notify existing clients by email or a prominent notice on the Website.

Your continued use of the Website or our services after any revision constitutes your acceptance of the updated terms.

Contact Us

For questions, clarifications, or concerns regarding these Terms & Conditions, please reach out to us: