Welcome to ArthaMarga Home Loans & Mortgages (“ArthaMarga”, “we”, “our”, or “us”). These Terms of Use govern your access to and use of our website, landing pages, advertisements, forms, and related services.

By accessing or using our services, you agree to comply with and be bound by these Terms of Use. If you do not agree with these terms, please do not use our services.
 

1. Nature of Services

ArthaMarga provides:

• Home loan consultation

• Mortgage assistance

• Loan eligibility guidance

• Loan comparison assistance

• Documentation support

• Coordination with banks and financial institutions

ArthaMarga is not a bank or direct lender. All loan approvals, interest rates, processing timelines, and loan terms are solely determined by the respective banks, NBFCs, or financial institutions.
 

2. Eligibility

By using our services, you confirm that:

• You are at least 18 years of age

• The information provided by you is accurate and complete

• You are legally capable of entering into binding agreements
   

3. User Responsibilities

You agree:

• To provide truthful and accurate information

• Not to submit misleading or fraudulent information

• Not to misuse our website, forms, or communication systems

• Not to attempt unauthorized access to our systems or data

ArthaMarga reserves the right to refuse services if false or suspicious information is provided.
 

4. No Guarantee of Loan Approval

Submission of information to ArthaMarga does not guarantee:

• Loan approval

• Specific interest rates

• Loan amounts

• Processing timelines

• Any financial outcome

Loan approvals are subject to:

• Bank/NBFC policies

• Credit evaluation

• Documentation

• Eligibility assessment

• Regulatory compliance
   

5. Third-Party Financial Institutions

ArthaMarga may connect users with banks, NBFCs, and lending institutions. We are not responsible for:

• Decisions made by lenders

• Changes in interest rates

• Loan rejection

• Delays caused by financial institutions

• Terms imposed by lenders

Users are advised to independently review all loan agreements and financial terms before proceeding.
 

6. Fees & Charges

In most cases, ArthaMarga’s consultation services for borrowers may be free, as commissions may be received from lending institutions.

However:

• Certain specialized services, if applicable, may involve separate charges

• Any such charges will be communicated transparently before engagement
   

7. Intellectual Property

All content on this website, including:

• Logos

• Branding

• Text

• Graphics

• Designs

• Content structure

belongs to ArthaMarga unless otherwise stated.

Unauthorized copying, reproduction, or misuse is prohibited.
 

8. Limitation of Liability

ArthaMarga shall not be liable for:

• Financial losses

• Indirect or consequential damages

• Loan rejection

• Delays in loan processing

• Decisions made by banks or third parties

• Website interruptions or technical issues

Users utilize our services at their own discretion and risk.
 

9. Privacy

Your use of our services is also governed by our Privacy Policy.

Please review the Privacy Policy to understand how your information is collected and used.
 

10. Communication Consent

By submitting your information through our website, advertisements, or forms, you consent to receiving communications from ArthaMarga via:

• Phone calls

• SMS

• WhatsApp

• Email

related to home loans, mortgages, and associated services.

You may opt out of communications at any time.
 

11. Website Availability

We reserve the right to:

• Modify

• Suspend

• Update

• Restrict

any part of our website or services without prior notice.
 

12. Governing Law

These Terms of Use shall be governed by and interpreted in accordance with the laws of India.

Any disputes arising from the use of our services shall be subject to the jurisdiction of the courts in Bangalore, Karnataka.
 

13. Changes to Terms

ArthaMarga may update these Terms of Use from time to time. Continued use of our services after updates constitutes acceptance of the revised terms.
 

14. Contact Information

ArthaMarga – Home Loans & Mortgages
Bangalore, Karnataka, India

📧 Email: ravi.aashrithaa@gmail.com
📞 Phone: 95900 66166
🌐 Website: https://arthamargaloans.com