Thank you for visiting www.altumcredo.com (“Website”).

This section contains the Terms and Conditions of Use (“Terms”) of this Website and should be read along with the Privacy Policy of the Website. By accessing this Website and any of its pages, you are agreeing to these Terms.

Altum Credo Home Finance Pvt. Ltd. (“ACHF”) owns and maintains the Website to provide its customers (“You”) with information about the services, facilities, and programmes provided by ACHF, and to facilitate communication with ACHF.

The use of Website is governed by the Terms contained herein and as indicated elsewhere on the Website in addition to any terms and conditions specific to certain sections. The use of the Website shall be governed by all the applicable laws. All information, material, news items, data, analysis, etc. (“Content”) contained on the Website is subject to change at the sole discretion of ACHF, without prior notification.

You may not be eligible for all services, facilities, and programmes offered by ACHF on the Website. ACHF reserves the right to determine the eligibility for any service, facility or programme

The Content obtained at or through this Website is not and should not be construed as an offer to sanction any loan or any other assistance. The terms and conditions on which the loans are sanctioned and disbursed by ACHF shall be subject to changes from time to time. The terms and conditions of the loan would be largely dependent on the customary and statutory housing property and land rules and regulations and the local conditions in each area and may vary from state to state, depending on the laws and procedures as outlined by the state government or any of its authorised bodies. ACHF reserves the right to approve/reject any loan application without assigning any reason whatsoever.

By visiting the Website, You acknowledge, accept, and expressly authorise ACHF to place cookies and use your information

You acknowledge and agree that all copyright, trademarks, and all other intellectual property rights in the Content shall remain vested in ACHF at all times, and is protected by copyright and other laws and international treaty provisions. All information submitted to ACHF through the Website shall be deemed to be the property of ACHF, and ACHF shall be free to use any such information, in any manner whatsoever.

The Content contained within the Website or delivered to You in connection with your use of the Website is the property of ACHF or any other third party (where applicable). The trademark, trade names, and logos (the “Trade Marks”) that are used and displayed on the Website include registered and unregistered Trade Marks of ACHF and other third parties. ACHF does not grant any express or implied rights to use the Website, Trademarks, Content, services, facilities and programmes mentioned herein and nothing should be construed as granting any license or right to use any Trade Marks displayed on the Website. ACHF retains all proprietary rights on the Website. Users are prohibited from using the same without written permission of ACHF or such other parties. The materials on this Website are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without ACHF prior written consent.

ACHF does not warrant that the services and products offered by the Website will be uninterrupted or error-free. There may be delays, omissions, interruptions, and inaccuracies in the products, services, Content available on the Website.

The Content on the Website is provided on an ‘as is’ and ‘as available’ basis without any representation or endorsement whether express or implied, in relation to the Website, any Content herein, or any transaction that may be conducted on or through the Website including but not limited to, implied warranties of non-infringement, security, accuracy, conditions of completeness, or any implied warranty arising from course of dealing or usage or trade.

Though ACHF takes adequate measures to prevent the introduction of viruses, worms, or other destructive materials to the Website, ACHF does not guarantee or warrant that the Website or the materials that may be downloaded do not contain such destructive features. ACHF shall not liable for any damages caused on account of such material.

Neither ACHF, nor its directors nor employees shall be liable in contract, for any economic losses, loss of goodwill or reputation, errors, omissions, interruptions or other inaccuracies or any special or indirect or consequential losses in any case whether or not such losses were incurred by that party arising out of or in connection with this Website, whether based on contract, tort, negligence, strict liability or otherwise.

In no case shall ACHF or its directors or employees be liable to any person or entity for any damages or losses resulting either directly or indirectly from accessing this Website. The Content provided herein and any communications subsequently entertained or responded to are without payment and shall be outside the purview of any consumer protection law. Any recipient of any Content in this Website may use/rely upon the information or material entirely at his/her own risk.

As a condition of your use of the Website, You warrant that You will not use the Website for any purpose that is unlawful, or prohibited by these terms and conditions. You may not use the Website in any manner that could damage, disable or impair the Website or interfere with any other party’s use or enjoyment of the Website.

Any disputes arising out of transactions with ACHF shall be construed and enforced in accordance with the laws of India and shall be subject to the jurisdiction of the courts of Bangalore. If any provision of these Terms is found to be invalid or unenforceable by a court of law, such invalidity or unenforceability will not affect the remainder of the Terms which will continue in full force and effect.

These Terms shall supplement and not conflict with the applicable terms and conditions relating to the services provided by ACHF to You.

ACHF reserves the right to modify the Terms and reserves the right to alter any features of any services, facilities and programmes offered by ACHF and any Content found on the Website. You are responsible for regularly reviewing these terms and conditions.

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