These Terms & Conditions ("Terms") apply to the website operated under the Utkarsh Advisory brand and to your use of information, tools and enquiry facilities made available through the website. By accessing or using the website, you agree to these Terms to the extent permitted by applicable law.
Acceptance of Terms
By accessing, browsing or using this website, submitting an enquiry, using an online calculator or otherwise interacting with services made available through this website, you acknowledge that you have read and understood these Terms.
If you do not agree with these Terms, you should discontinue use of the website.
Additional engagement letters, mandates, agreements, quotations, commercial terms or service-specific documents may apply when you formally engage Utkarsh Advisory for a particular service. Where applicable, those specific written terms will govern that particular engagement.
Nature of Our Services
Utkarsh Advisory provides advisory and facilitation services relating to property and finance requirements. Depending on the requirement, services may include:
- Commercial property advisory
- Commercial leasing advisory
- Residential property advisory
- Property search and shortlisting
- Property investment opportunities
- Project sales and advisory
- Site visit coordination
- Transaction support
- Property finance advisory
- Business and commercial finance advisory
- Other related advisory or facilitation services
The availability, scope and commercial terms of a particular service may depend on the client's requirement, location, property, transaction and other relevant circumstances.
Property Information
Property-related information displayed or communicated through our website may be based on information received from developers, property owners, authorized representatives, channel partners, public sources or other third parties.
Such information may include:
- Property location
- Price or indicative price
- Area and configuration
- Availability
- Floor plans
- Images and illustrations
- Amenities
- Possession or completion timelines
- Leasing information
- Investment-related information
Prices, availability, areas, specifications, incentives, possession dates and other property information may be revised by the relevant owner, developer or authorized party without prior notice. Users should verify material information before entering into a transaction.
Images, renders, floor plans and other visual material may be illustrative and should not automatically be treated as contractual representations.
Finance Advisory
Utkarsh Advisory may assist users with understanding or facilitating relevant property, home, business or commercial finance requirements.
Unless expressly stated otherwise in writing, Utkarsh Advisory is not the lender and does not itself sanction or disburse loans merely by receiving or assisting with an enquiry.
Any financing facility remains subject to the policies, underwriting criteria, documentation requirements, verification and final approval of the relevant bank, NBFC, financial institution or other lender.
Factors that may affect a finance decision include:
- Applicant profile
- Income or business profile
- Credit assessment
- Property eligibility
- Documentation
- Loan amount
- Applicable interest rate
- Lender policies
- Applicable laws and regulations
Submission of a finance enquiry or documents does not guarantee loan eligibility, sanction, disbursement, interest rate or any particular financing terms.
EMI Calculator & Financial Tools
The website may provide an EMI calculator, loan calculator or other financial tools for informational and estimation purposes.
Results generated through such tools are based on the values entered or rates displayed at the time of calculation.
Calculated figures may differ from actual lender calculations due to factors including:
- Changes in interest rates
- Processing fees
- Insurance
- Taxes and statutory charges
- Loan structure
- Floating or fixed rate changes
- Lender-specific calculation methods
- Applicant eligibility
An EMI calculation does not constitute financial advice, a loan offer, sanction, commitment, eligibility confirmation or guarantee from Utkarsh Advisory or any lender.
Enquiries & Communication
When you submit a contact, property, investment or finance enquiry through the website, you authorize us to use the information provided to respond to and process that enquiry in accordance with our Privacy Policy and applicable law.
We may contact you through communication details you provide, including:
- Telephone
- WhatsApp or other messaging channels
You are responsible for ensuring that the contact details and information you provide are accurate and that you are authorized to provide them.
User Responsibilities
When using the website or submitting information, you agree to provide information that is accurate to the best of your knowledge.
You are responsible for independently evaluating any property, investment, financial or commercial transaction before making a binding commitment.
Where appropriate, you should obtain independent professional advice regarding matters such as:
- Property title
- Legal documentation
- Taxation
- Regulatory approvals
- Technical due diligence
- Investment suitability
- Financing commitments
Third-Party Services
Our services may involve or refer to third parties, including developers, property owners, landlords, tenants, lenders, banks, NBFCs, financial institutions, technology providers, professional advisers or other service providers.
Such third parties operate independently and may have their own terms, processes, policies and obligations.
Utkarsh Advisory does not control decisions made independently by such third parties.
The website may also contain links to third-party websites. A link does not automatically constitute an endorsement, guarantee or responsibility for the content, availability, security or practices of that website.
Professional Fees & Commercial Terms
Certain advisory, brokerage, facilitation, transaction, consulting or related services may involve professional fees, commissions or other commercial arrangements.
Where applicable, relevant fees and commercial terms may be communicated separately through a proposal, engagement, mandate, quotation, agreement or other written communication.
Any taxes or statutory charges applicable to a service or transaction may be charged or payable as required by applicable law or the relevant agreement.
Intellectual Property
Unless otherwise stated, website content belonging to Utkarsh Advisory, including its branding, text, page design, graphics, original content and other proprietary material, is protected by applicable intellectual property laws.
You may access the website for legitimate personal or business enquiry purposes.
You may not, without appropriate authorization:
- Reproduce substantial website content
- Republish proprietary content
- Sell or commercially exploit website material
- Remove copyright or proprietary notices
- Misrepresent Utkarsh Advisory content as your own
Third-party trademarks, property images, project materials and other third-party intellectual property remain the property of their respective owners.
Prohibited Use
You agree not to use the website in a manner that is unlawful, fraudulent, abusive or harmful.
Prohibited activities include attempting to:
- Gain unauthorized access to website systems
- Introduce malware or harmful code
- Interfere with website availability or security
- Submit knowingly false or fraudulent enquiries
- Harvest data without authorization
- Impersonate another person or organization
- Use website content for unlawful activities
Website Availability & No Warranties
We seek to maintain useful and reasonably accurate website information, but the website and its content are provided on an "as available" basis.
To the extent permitted by applicable law, we do not guarantee that:
- The website will always be available or error-free
- Every property displayed will remain available
- All third-party information will always be complete or current
- A particular property transaction will be completed
- An investment will achieve a particular return
- A finance application will be approved
Limitation of Liability
To the extent permitted by applicable law, Utkarsh Advisory will not be responsible for indirect, incidental, special or consequential losses arising solely from reliance on general website information, third-party information or indicative online calculations.
Users remain responsible for reviewing transaction documents and verifying material property, legal, financial, technical and commercial information before making binding decisions.
Nothing in these Terms is intended to exclude or limit any liability that cannot lawfully be excluded or limited under applicable law.
Indemnification
To the extent permitted by applicable law, you agree to be responsible for losses, claims or expenses reasonably arising from your unlawful use of the website, deliberate misuse of our systems, infringement of third-party rights or material violation of these Terms.
Privacy & Personal Information
Personal information submitted through the website is handled in accordance with our Privacy Policy and applicable requirements.
The Privacy Policy explains how information may be collected, used, stored, shared and protected when you interact with our website and services.
Please review our Privacy Policy before submitting personal information through the website.
Governing Law & Jurisdiction
These Terms shall be governed by and interpreted in accordance with the applicable laws of India.
Subject to any mandatory dispute-resolution or jurisdictional requirements under applicable law, courts having appropriate jurisdiction in Pune, Maharashtra, India shall have jurisdiction over disputes arising in connection with these Terms or use of the website.
Changes to These Terms
Utkarsh Advisory may update these Terms from time to time to reflect changes in our website, services, business practices or applicable requirements.
Updated Terms may be published on this page with a revised "Last Updated" date.
Continued use of the website after updated Terms become effective will be subject to the updated version to the extent permitted by applicable law.
Contact Us
If you have questions about these Terms & Conditions or our website and services, please contact Utkarsh Advisory.
Utkarsh Advisory
For questions relating to our website, property advisory, finance advisory or these Terms & Conditions, please contact our team.