Terms & Conditions

1. Introduction

Welcome to the official website of IKF Home Finance ("Company", "we", "our", "us"). By accessing or using our website (www.ikfhomefinance.com) ("Website"), you ("User", "you", "your") agree to comply with and be bound by these Terms of Use ("Terms"). If you do not agree with any part of these Terms, please refrain from using our Website.

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2. Important Definitions

Customer

Any individual who has been sanctioned a loan or any other facility provided by the Company.

User

Any individual who interacts with the Company’s Mobile App, Web-based application, or any other Company information resource, including registered users who have not yet availed of any loan or facility from the Company.

Data

For the purpose of this Policy (except where specifically defined otherwise), Data shall mean and include all information and details supplied by the Customer or accessed by the Company or Third Party as per the Consent provided, including sensitive personal data/information that identifies individuals, such as Name, Address, Date of Birth, Bank Account Details, Phone Number, Fax Number, or Email Address.

Third Party

Includes the Company’s group entities, third-party vendors, consultants, advisors, partners, banks, financial institutions, credit bureaus/agencies, identity authentication agencies (NSDL, UIDAI, State Transport Department, etc.), and regulatory or statutory bodies.

Services

Refers to the financial products and services offered by IKF Home Finance through the Website.

Content

Encompasses all information, text, graphics, images, software, and other material presented on the Website.

Third-Party Links

Links that direct users to external websites not operated or controlled by IKF Home Finance.

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3. Acceptance of Terms

Your access and use of the Website constitute your agreement to these Terms and any additional terms and conditions that may be provided within the Website. If you do not agree to these Terms, please discontinue use of the Website immediately.

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4. Use of the Website

Personal and Non-Commercial Use

The Website is intended for personal and non-commercial use to provide information about our Services.

Prohibited Conduct

You agree not to:

• Use the Website for any unlawful purpose or in violation of any applicable laws or regulations.
• Attempt to gain unauthorized access to any part of the Website or its related systems or networks.
• Engage in any activity that disrupts or interferes with the Website's functionality or security.
• Introduce any viruses, malware, or other harmful code into the Website.
• Use any automated means, such as robots or data mining, to access or collect data from the Website without our express written consent.

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5. User Responsibilities

You agree to use the Website in accordance with all applicable laws and regulations. Additionally, you agree not to:

• Misrepresent your identity or affiliation with any person or entity.
• Post or transmit any false, misleading, or fraudulent information.
• Engage in any fraudulent or deceptive activities while using the Website.
• Copy, modify, or distribute any content from the Website without prior written permission.
• Use the Website in any manner that may harm, disable, or impair the Website’s functionality or security.

Failure to comply with these responsibilities may result in restriction or termination of access to the Website.

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6. Intellectual Property Rights

Ownership

All Content on this Website, including trademarks, logos, and service marks, is the property of IKF Home Finance and is protected by intellectual property laws.

Restrictions

Unauthorized use, reproduction, modification, distribution, or storage of any Content is strictly prohibited without prior written consent from IKF Home Finance.

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7. Privacy Policy

Your use of the Website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using the Website, you consent to the practices described in the Privacy Policy.

8. Cookies and Tracking Technologies

The Website may use cookies and similar tracking technologies to enhance user experience and improve our Services.

• Cookies help us analyze website traffic, personalize content, and store user preferences.
• Users may disable cookies in their browser settings, though this may affect the Website’s functionality.
• Detailed information about how we use cookies is provided in our Privacy Policy.

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9. Third-Party Links and Services

External Links

The Website may contain links to external websites for your convenience. IKF Home Finance does not endorse and is not responsible for the content, accuracy, or practices of any third-party websites.

Third-Party Services

Any interactions or transactions with third-party services linked from our Website are solely between you and the third party. IKF Home Finance shall not be liable for any damages or losses incurred as a result of such interactions.

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10. Communications and Notifications

By using the Website, you consent to receive communications from IKF Home Finance, including but not limited to:

• Transactional notifications related to your interactions on the Website.
• Promotional and marketing communications, subject to your opt-in preferences.
• Legal notices and policy updates.

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11. Service Availability and Downtime

The Website and related Services may occasionally be unavailable due to maintenance, system upgrades, technical issues, or factors beyond our control. IKF Home Finance does not guarantee uninterrupted or error-free access to the Website and shall not be liable for any loss or damage arising from such interruptions.

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12. Disclaimers

• The Website and its Content are provided on an "as is" and "as available" basis without any warranties of any kind, whether express or implied.
• IKF Home Finance disclaims all warranties, including but not limited to warranties of accuracy, completeness, reliability, merchantability, fitness for a particular purpose, and non-infringement.
• The Company does not warrant that the Website will be secure, error-free, or free from viruses or other harmful components.

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13. Fraud Prevention and Security

IKF Home Finance takes reasonable measures to detect and prevent fraudulent activities and unauthorized access to its systems. Users agree to cooperate with any security or verification measures implemented by the Company and to promptly report any suspected fraud or security incidents.

The Company shall not be responsible for any loss or damage caused by events beyond its reasonable control, including cyber-attacks or unauthorized third-party actions, to the extent permitted by law.

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14. Indemnification

You agree to indemnify, defend, and hold harmless IKF Home Finance, its directors, officers, employees, affiliates, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or in connection with:

• Your use or misuse of the Website or Services.
• Your violation of these Terms.
• Your infringement of any rights of a third party.

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15. Termination

IKF Home Finance reserves the right, at its sole discretion, to suspend or terminate your access to the Website, without prior notice, if you violate these Terms or engage in any conduct that the Company deems unlawful, harmful, or inappropriate.

Upon termination, your right to use the Website will immediately cease, and any provisions of these Terms that by their nature should survive termination shall continue to apply.

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16. Force Majeure

IKF Home Finance shall not be liable for any failure or delay in performance of its obligations under these Terms if such failure or delay is caused by events beyond its reasonable control, including but not limited to acts of God, natural disasters, war, riots, strikes, labor disputes, epidemics, pandemics, government actions, power failures, or failures of telecommunication networks.

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17. Amendments and Updates

IKF Home Finance reserves the right to modify, amend, or update these Terms of Use at any time without prior notice. Any changes will be effective immediately upon posting on the Website. Your continued use of the Website after such changes constitutes your acceptance of the revised Terms.

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18. Contact Information

For any questions, concerns, or grievances regarding these Terms of Use or the Website, please contact us at:

Email: info@ikfhomefinance.com

By accessing or using this Website, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Use.