DISCLAIMER (AVORIX REALTY)

1. Platform Role

Avorix Realty is a property discovery and connection platform. We are not a party to any transaction that takes place between a buyer, tenant, seller, builder, or broker through this platform.

• We act as an intermediary marketplace — connecting people looking for property with those who have property to sell or rent.
• We are not a RERA-registered real estate agent or broker in our own right, and we do not represent any builder, developer, or seller on their behalf.
• We are not a financial institution, lender, or investment advisor. Nothing on this platform is a financial product or a regulated financial service.
• Where we facilitate a home loan referral, we connect you with a partner lender. The lending decision, rate, and terms are made entirely by that lender and are governed by their agreement with you, not ours.
• Any agreement entered into between a user and a builder, developer, broker, or seller is solely between those parties. Avorix Realty is not a party to that agreement and bears no liability for its performance or outcome.

2. Listing Information

Listings on Avorix Realty are submitted by third-party owners, brokers, developers, and their channel partners. We carry out verification checks as described in our Property Verification Policy, but those checks have limits.

• All property details — including area, configuration, price, amenities, possession date, and location — are provided by the lister. We are not the source of these claims.
• Verification badges (Verified Owner, Verified Broker, Verified Listing, Title Checked) confirm what was checked at the date shown on the badge. They are not a guarantee of clean title, current availability, or fair pricing.
• Images, floor plans, and renders shown on a listing may be sample flat images, computer-generated renders, or architect drawings. Where a listing uses such images, they must be labelled as such — but you should confirm what you will actually receive in writing with the lister before any payment.
• Quoted prices are asking prices. Registered values at the time of purchase may differ. Circle rates set a statutory floor but do not reflect true market value.
• Property availability, pricing, and project status are subject to change without notice. A listing that was live when you saw it may no longer be available by the time you contact the lister.

3. Under Construction Property

A significant portion of inventory on our platform is under construction. Under construction property carries risks that completed property does not.

• Possession dates stated in brochures, listing pages, or builder communications are estimates. The RERA-declared possession date on the state RERA portal is the date that carries legal weight — verify it there before committing.
• Construction timelines can be affected by approvals, material costs, monsoon delays, labour availability, and force majeure events. Delays are common across the NCR market.
• Cost escalation clauses in builder-buyer agreements can increase the final price beyond the booking amount. Read the agreement — specifically the payment plan, escalation terms, and force majeure clause — before signing.
• A project's RERA registration does not guarantee delivery. It means the project is registered and the promoter has filed required disclosures. Check the project's quarterly progress reports (QPRs) on the RERA portal for actual construction status.
• Avorix Realty is not responsible for any delay, cost escalation, quality issue, or non-delivery by a builder or developer.

4. Calculators and Financial Tools

Avorix Realty provides free tools including an EMI calculator, stamp duty calculator, rental yield and ROI calculator, buy versus rent comparison, property appreciation estimator, and deal score. These are estimation tools only.

• Calculator outputs are estimates based on the inputs you provide and the published rates and formulas stated on or beside the tool. They are not quotations, sanction letters, valuations, or tax computations.
• EMI figures assume a reducing-balance loan at the stated rate for the stated tenure. Your actual EMI will depend on the rate your lender offers, processing fees, and the disbursement schedule.
• Stamp duty and registration charges computed by our calculator are based on current notified state rates. Rates change on state notification. Your actual liability depends on the specific property, buyer category, and the exact transaction value — confirm with your advocate and the sub-registrar before execution.
• Rental yield estimates use the inputs you provide. Actual yields depend on vacancy periods, maintenance costs, and rental market conditions that calculators cannot predict.
• Appreciation estimates apply a growth assumption to a purchase value. Past appreciation in a sector is not a guarantee of future returns. Real estate markets are illiquid and returns are not assured.

5. Market Data and Price Information

We publish price trends, rental benchmarks, demand signals, and market insights for localities we cover. The methodology and sources behind these figures are described in full in our Data Sharing Policy.

• Price bands and trend figures are based on registered transaction data, circle rates, verified listing data, and developer price lists. Each figure carries a source type and a reference period.
• Asking prices and registered values are both known to have systematic biases in the Indian property market — asking prices tend to overstate achievable prices, and registered values frequently understate true consideration. We label which measure a figure comes from.
• Sample depth varies sharply by micro-market. In sectors with thin transaction volume, we suppress figures rather than publish misleading ones.
• Market data reflects conditions at the stated reference date. Property markets move. Do not rely on a figure dated more than a quarter ago without checking whether conditions have changed.
• Nothing in our market data, price trend reports, or locality guides constitutes investment advice. We publish general information; we do not advise on whether a specific property is a good investment for you.

6. Home Loan Referral

We facilitate home loan referrals to partner lending institutions. This is a referral service, not a lending service.

• We are not a bank, housing finance company, or NBFC. We do not sanction, disburse, or guarantee any loan.
• Eligibility estimates produced by our loan tools apply standard lender FOIR and LTV bands. They are indicative only — they are not pre-approvals and create no obligation on any lender.
• Interest rates displayed are indicative starting rates sourced from lender rate cards. Your actual rate offer depends on your credit score, income, employment type, property valuation, loan-to-value ratio, and the lender's own credit policy at the time of your application.
• We may earn a referral fee when you proceed with a partner lender. This fee does not change the rate or terms offered to you — lenders are bound by their own regulatory obligations on interest rate setting.
• Read the lender's sanction letter, loan agreement, and all charges (processing fee, prepayment penalty, foreclosure charges) in full before accepting a loan offer.

7. Legal and Title Information

Avorix Realty publishes general information about property law, RERA compliance, stamp duty, registration, capital gains, and related topics. This information is not legal advice.

• Articles, guides, and FAQs on legal topics are general explanations for a lay audience. They are not a substitute for advice from a qualified advocate who has reviewed your specific transaction documents.
• Indian land title is presumptive, not conclusive. Registration of a transaction confirms it was recorded — it does not guarantee that the seller had good title or that the property is free of encumbrances, dispute, or government acquisition.
• Title Checked badges on listings reflect a review of the documents supplied to us at the date shown. They are not absolute title guarantees. Engage your own advocate to conduct an independent title search and legal opinion before any payment.
• RERA registration of a project confirms that the promoter has filed required disclosures. It does not guarantee construction quality, delivery, or that all underlying land and approvals are in order.
• Tax positions (capital gains, TDS, deductions) described on our platform reflect the law as stated at the relevant date. Tax law changes frequently. Confirm your specific tax liability with a qualified chartered accountant.

8. Due Diligence Advisory

Before committing any money to a property transaction, we strongly advise you to:

• Physically visit and inspect the property — the actual unit, the building, the common areas, and the surrounding locality — not just images on a listing page.
• Verify RERA registration of the project and the agent independently on the relevant state RERA portal (rera.up.gov.in for Uttar Pradesh, rera.delhi.gov.in for Delhi, hrera.org.in for Haryana). Registration numbers are public and free to check.
• Engage an independent advocate to conduct a full title search, encumbrance check, and review of all approvals — layout, building plan sanction, completion certificate, occupancy certificate, and NOCs.
• Check outstanding dues to the development authority (GNIDA, YEIDA, Noida Authority, or the relevant body) and confirm there are no government acquisition or reserved land notifications affecting the property.
• Confirm all payment plan terms, possession dates, penalty clauses, and force majeure provisions directly with the builder in writing — do not rely on brochure or verbal representations.
• Consult a qualified chartered accountant on your stamp duty liability, registration charges, TDS obligations under Section 194-IA, and capital gains treatment before completing the transaction.
• Never transfer money based solely on a listing or a phone conversation. Any advance payment must follow a written agreement, be made through traceable banking channels, and be accompanied by a receipt.

9. Limitation of Liability

To the fullest extent permitted by applicable law:

• Avorix Realty shall not be liable for any loss, damage, cost, or expense — whether direct, indirect, consequential, or incidental — arising from your use of this platform, any listing information, any tool output, or any transaction entered into on the basis of information found here.
• We are not liable for the conduct, representations, or defaults of any builder, developer, broker, seller, or lending institution connected through our platform.
• We are not liable for any delay or failure in our platform caused by factors outside our reasonable control, including server outages, network failures, or government-ordered restrictions.
• Where we are found liable under any applicable law, our maximum liability to you shall not exceed the amount, if any, you paid to Avorix Realty directly for the service in connection with which the liability arose.

10. Changes to This Disclaimer

We may update this Disclaimer to reflect changes in our services, the law, or our understanding of risks relevant to our users. Material changes will be notified through a platform notice or email before they take effect. The current version of this Disclaimer is always available at avorix.in with the last updated date shown at the top of the page. Continued use of the platform after a notified change constitutes acceptance of the updated Disclaimer.