TERMS OF
ENGAGEMENT

Establishing the digital framework for secure home loan facilitation and advisory services.

01
Ref: INTRO

Introduction & Acceptance

Welcome to My Home Loan Care (MHLC), a product and service operated by Wealth Mind Creation Pvt. Ltd.

These Terms and Conditions govern your access to and use of the website https://myhomeloancare.in.

By accessing the Website, submitting an enquiry, applying for a loan, or using any of our Services, you agree to be bound by these Terms and our Privacy Policy.

02
Ref: NATURE

Nature of Services

My Home Loan Care is a loan facilitation and advisory platform connecting borrowers with lenders.

Not a Lender: We do not lend our own funds or sanction loans.
No Guarantee: Loan approval and interest rates depend solely on the lender.
Information Accuracy: EMI and loan products shown are indicative only.
03
Ref: ELIGIBILITY

User Eligibility

Must be an Indian citizen or legal resident.
Must be at least 18 years old.
Must provide accurate and complete information.
04
Ref: CONSENT

User Consents

By submitting details, you authorize WMC to:

Contact you via Phone, SMS, WhatsApp, or Email.
Fetch credit score via CIBIL, Experian, CRIF or Equifax.
Share your KYC and financial documents with lenders.
05
Ref: RESPONSIBILITIES

Your Responsibilities

As a user of the Website, you agree that you will not:

Submit false, fabricated, or misleading information or forged KYC/financial documents.
Use the Website for any fraudulent, unlawful, or illegal activity.
Attempt to gain unauthorized access to our systems, servers, or other user accounts.
Reproduce, duplicate, or copy any material from the Website without our express written permission.
WMC reserves the right to immediately terminate your access to the Services and report you to relevant authorities if fraudulent activity or submission of fake documents is detected.
06
Ref: CONNECTOR

MHLC Connector Network (DSAs/Agents)

If you are interacting with our platform via an authorized MHLC Connector (Direct Selling Agent or Partner), please note:

Connectors are authorized only to assist with application submissions and document collection.
Connectors are not authorized to collect any cash, processing fees, or upfront payments on behalf of MHLC or our lending partners.
You must verify all loan terms directly through official communications from the lender. WMC is not liable for unauthorized promises or financial transactions made between you and a Connector.
07
Ref: FEES

Fees and Charges

Platform Usage: Browsing the Website and using our basic loan matching and advisory services is generally free for the user. We may earn a commission or referral fee directly from the lending institution upon successful disbursement of your loan.
Lender Fees: You are responsible for paying any processing fees, stamp duty, legal charges, or administrative fees levied directly by the bank/NBFC processing your loan.
08
Ref: IP

Intellectual Property

All content, design, text, graphics, logos, interfaces, and software on the Website belong to Wealth Mind Creation Pvt. Ltd. and are protected by Indian and international copyright and trademark laws. You may not use our intellectual property without prior written consent.

09
Ref: LIABILITY

Limitation of Liability

To the maximum extent permitted by law, WMC, its directors, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of:

Your use of or inability to use the Website or Services.
Rejection of your loan application by a lender.
Any errors, delays, or technical glitches in the processing of your application.
Fluctuations in interest rates or changes in lender policies.
10
Ref: INDEMNIFICATION

Indemnification

You agree to indemnify and hold harmless WMC, its affiliates, employees, and partners from any claims, losses, damages, or legal actions arising out of your breach of these Terms, submission of false information, or violation of any applicable laws.

11
Ref: MODIFICATION

Modification of Terms

We reserve the right to update, modify, or replace any part of these Terms at any time without prior notice. It is your responsibility to review this page periodically. Continued use of the Website after any changes constitutes acceptance of those changes.

12
Ref: GOVERNING-LAW

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with these Terms or your use of the Services shall be subject to the exclusive jurisdiction of the courts located in Chennai, Tamil Nadu, India.

13
Ref: CONTACT

Contact Information

Entity

Wealth Mind Creation Pvt. Ltd.

Headquarters

130/3, Karadi Maligai, Thiruchuli Road, Aruppukottai - 626101