TERMS & CONDITIONS

Before using this site please read the terms and conditions along with the privacy policy written in another page. We reserve the right to change or modify the terms and conditions without any prior notice.

In this site we provide information on various financial services including home loan, loan against property, project loan, Business loans, personal loan, education loan, car loan, life insurance and non-life insurance and various investment options. You are responsible for access to the site and using any information for you financial needs.

While submitting any personal information or contact details, you agree that you are interested in our service. You also hereby agree that Virtue Finserve may contact you either email or phone to know your interest any product and service. You also agree that we can give your personal information to our associate partners. Our partners may contact you for information and for sales through emails, phone or sms. You agree that we send you promotional mails or special offers & call me even if my contact number is registered in fully blocked NATIONAL DO NOT CALL REGISTRY.

TERMS OF USE AGREEMENT FOR ALL SERVICES AND USES OF THE WEBSITES
Please review this Terms of Use Agreement ("Agreement"). By accessing, browsing or using this website, or any page thereof, through any direct or indirect means, or by using the goods, facilities or services offered in or through the Websites through alternative methods (including, for example, telephone, mail, email or facsimile), you accept and agree to be bound by these Terms of Use (the terms "Website" include use through these alternative methods).

THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE ALL CLAIMS AND CONTAINS DISCLAIMERS OF WARRANTIES AND LIABILITY These provisions form an essential basis of our bargain. If you do not agree to these terms and conditions, you are not authorized to access or use the Website and you are to cease accessing or otherwise using the Website.

For purposes of this Agreement, "You" or "Your" means the person(s) using the Websites, and/or the good, facilities or services of Virtuefinserve.in, which offers through alternative methods, including persons that allow others to provide information about themselves to Virtuefinserve.in (as defined below), the banks, lenders and brokers on Virtuefinserve.in network ("Lenders"), Providers. Virtue Finserve operates the Websites and shall have the right at any time to change or discontinue any aspect or feature of the Websites and the right to modify the terms and conditions applicable to users of the Websites, including these Terms of Use, or any part hereof. Such changes, modification, additions or deletions shall be effective immediately upon posting on the Websites. Any use by you of the Websites or the good, facilities or services offered in or through the Websites shall be deemed to constitute acceptance of such changes.

Virtue Finserve operates the Websites and shall have the right at any time to change or discontinue any aspect or feature of the Websites and the right to modify the terms and conditions applicable to users of the Websites, including these Terms of Use, or any part hereof. Such changes, modification, additions or deletions shall be effective immediately upon posting on the Websites. Any use by you of the Websites or the good, facilities or services offered in or through the Websites shall be deemed to constitute acceptance of such changes.

Term & condition Applicable to All Loan Request Services

Virtuefinserve.in is not a lender nor is acting as a lender or broker and does not make loans or credit decisions in connection with loans. Virtuefinserve.in does not endorse or recommend the products of any particular Lender. Virtuefinserve.in services are only administrative. You should rely on your own judgment in deciding which available loan product, terms and Lender best suits your needs and financial means. The Lender is solely responsible for its services to you, and you agree that Virtuefinserve.in shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that Lenders may keep your loan request information and any other information provided by. Virtuefinserve.in or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. You agree to notify any particular Lender directly if you no longer want to receive communications from them.

Virtuefinserve.in Lenders expressly reserve the right to discontinue, suspend or terminate the offering of any loan product through the Websites at any time, without prior notice.

The data and other information you may provide Virtuefinserve.in is not, and is not treated as, an application for a loan or a request to be pre-approved, pre-qualified or any similar concept. Virtuefinserve.in does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any Lender; loan approval standards are established and maintained solely by individual Lenders. Likewise, Virtuefinserve.in does not guarantee that the loan terms or rates offered and made available by Lenders are the best terms or lowest rates available in the market. A Lender's offer may be subject to market conditions, approval and qualification. The rates and fees actually provided by Lenders may be higher or lower depending on your complete credit profile, collateral/property considerations including but not limited to location, equity and value and income/asset consideration including but not limited to loan to value and debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. Lenders may not offer all products as well as not offer products to you. You might not be matched with the Lender making any specific offer. To help the government fight identity theft, the funding of terrorism and money laundering activities, and to help attempt to verify your identity, Virtuefinserve.in and its Lenders may obtain, verify and record information that identifies each person who opens an account with us and them. Our Lenders and we may ask for your name, PAN Number, address, date of birth and other important information including information received from your credit file/Credit Bureau, that will allow us and them to properly identify you. During the Lender application process, they may also ask to see your driver's license or other identifying documentation.

At closing you will be responsible for paying for any settlement or closing costs associated with your loan (such as loan processing, underwriting, or funding fees, title insurance premiums, notary fees, etc.). 

By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission ("submission") you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a lending product through Virtuefinserve.in to each of the Lenders to whom your loan request is transmitted. By submitting the loan request containing your electronic signature, you are extending an express invitation to each Lender you have been matched with to contact you by telephone at the numbers you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any National Do Not Call Registry ( NDNC Registry), or by email at the email address you provided or at another address that may be associated with you that we receive from Lenders or other parties and you hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation. By saving your information with Virtuefinserve.in or by doing a submission, you give Virtuefinserve.in permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to your submission, including incomplete loan requests, the deliver of loan request matches, deadlines, quality of services or other matters in connection with your loan request. For any service, you represent that all of the information you have provided in your submission and loan request is true and complete.

M/s Virtue finserve is associated with and working as a channel partner with  a  Network of Lenders. Virtuefinserve.in seeks to provide you multiple conditional loan offers through its network of non-affiliated Lenders (Private & Nationalized banks, mortgage bankers Non Banking Finance Companies & Finance companies).

Copyright, Trademark & Service Mark Notices 

All contents of the Websites are: Copyright © 2024 Virtuefinserve.in, New Delhi. All rights reserved. Virtuefinserve.in is a service mark of Virtue Finserve. Other product and company names mentioned herein.

Nothing on the Websites should be construed as granting, by implication, estoppels or otherwise, any license or right to use any service mark or trademark (individually and collectively, "Mark" or "Marks") displayed on the Websites, without the prior written permission of the Virtuefinserve.in or the applicable Mark holder specific for each such use. The Marks may not be used to disparage Virtuefinserve.in, the Lenders, the applicable third party or the products or services of such parties, nor shall they be used in any manner that may damage any goodwill in the Marks. Use of any Mark as part of a link to or from any site is prohibited unless establishment of such a link is approved in advance by Virtuefinserve.in in writing.

The Websites contains copyrighted material, trademarks and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music and sound, and the entire contents of the Websites are copyrighted as a collective work under the Indian copyright laws. Virtuefinserve.in owns a copyright in the selection, coordination, arrangement and enhancement of such content, as well as in the content original to it. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works or in any way exploit, any of the content, in whole or in part. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial or non-commercial exploitation of downloaded material will be permitted without the express written permission of Virtuefinserve.in and the copyright owner. Elements of the Websites are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including but not limited to, the use of framing or mirrors.

DISCLAIMERS AND LIABILITY 

Virtuefinserve.in intends that the information contained in the Websites be accurate and reliable; however, errors sometimes occur. In addition, changes and improvements to the information provided herein may be made by Virtuefinserve.in at any time. Under no circumstances will Virtuefinserve.in be liable for any loss or damage caused by your reliance on information obtained through the Websites. It is your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Websites.

THE WEBSITES AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS". VIRUEFINSERVE.COM DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITES AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. USE OF THE WEBSITES AND/OR VIRTUE FINSERVE SERVICES IS AT YOUR OWN RISK. VIRTUEFINSERVE.IN AND/OR ITS SUPPLIERS, LENDERS, PROVIDERS OR REAL ESTATE PROFESSIONALS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR THE INABILITY TO USE THE WEBSITES AND/OR VIRTUEFINSERVE.IN SERVICES OR WITH THE DELAY OR INABILITY TO USE THE WEBSITES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITES, INCLUDING BUT NOT LIMITED TO RELIANCE BY YOU ON ANY INFORMATION OBTAINED AT THE WEBSITES, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAILS, ERRORS, DEFECTS, VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO VIRTUEFINSERVE.IN RECORDS, PROGRAMS OR SERVICES, , OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITES, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF VIRTUEFINSERVE.IN AND/OR ITS SUPPLIERS, PROVIDERS OR REAL ESTATE PROFESSIONALS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

Indeminity
As a condition of use of the Websites and/or Virtuefinserve.in  services, you agree to indemnify Virtuefinserve.in and its suppliers, Lenders, Providers or real estate professionals from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of the Websites, including without limitation any claims alleging facts that if true would constitute a breach by you of this Agreement.

Links to Third Party Websites 

The Websites may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. Virtuefinserve.in does not operate or control in any respect any information, software, products or services available on such websites. Virtuefinserve.in inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organisation. When you leave the Websites please note that Virtuefinserve.in is not responsible for the accuracy or content of the information provided by that website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third party technologies or programs available through that website.

Errors & Delays

Virtuefinserve.in is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address provided by you or other technical problems beyond our reasonable control.

Disputes
India and the laws of India will govern this membership. Disputes arising out of or in any way affecting the membership including interpretation of any of the terms are to be referred to arbitration under the Arbitration and Conciliation Act [Indian Act] at Haryan before a sole Arbitrator. The arbitrators shall not have the power to award damages in connection with any Dispute.