Terms and conditions
for using Housing Decode

1. Acceptance of Terms

By accessing and using Housing Decode (housingdecode.com), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use our website.

2. Nature of the Website

Housing Decode is an independent website that provides guides, resources, and guidance related to housing schemes, home loans, property registration, and house building in India.

We are not affiliated with, endorsed by, or connected to the Government of India, the Ministry of Housing and Urban Affairs, any state housing board, or the PMAY portal. We do not process applications, accept payments, sanction loans, or issue any official documents. We are not agents, brokers, or intermediaries for any scheme, lender, or builder.

3. Accuracy of Information

We make every effort to ensure that the information on this website is accurate, up to date, and reliable. However, government schemes, eligibility rules, subsidy amounts, interest rates, and procedures are subject to change without notice. We do not guarantee the completeness, accuracy, or timeliness of any information provided.

Always verify important details directly with the relevant official portal, bank, or authority before taking any action based on information from our website.

4. No Professional Advice

The content and guidance on Housing Decode are for general informational purposes only. They do not constitute legal, financial, tax, or professional advice. You should consult a qualified professional or the appropriate government authority for advice specific to your situation before making any financial or property decision.

5. Callback and Enquiry Requests

When you submit a callback or enquiry request, you agree to provide accurate information and consent to being contacted by us in response. Our guidance is informational in nature and does not guarantee approval of any scheme, loan, or application.

We do not charge for responding to enquiries, and we will never ask you to make a payment to us in order to access any government scheme or benefit.

6. Intellectual Property

All content on Housing Decode, including text, graphics, logos, icons, images, and software, is the property of Housing Decode or its content creators and is protected by applicable copyright and intellectual property laws.

You may not reproduce, distribute, modify, or republish any content from this website without prior written permission. Personal, non-commercial use such as sharing a link or referencing our guides with proper attribution is generally permitted.

7. External Links

Our website contains links to external websites, including government portals and third-party services. These links are provided for your convenience. We do not control the content, accuracy, or availability of these external sites and are not responsible for any loss or damage arising from their use.

8. User Conduct

When using our website, you agree not to misuse our content or services, attempt to interfere with the functioning of the site, scrape or extract data from our pages through automated means without permission, or misrepresent Housing Decode as an official government resource.

9. Limitation of Liability

Housing Decode and its team shall not be held liable for any direct, indirect, incidental, or consequential damages arising from your use of or inability to use this website, reliance on any information or guidance provided, or actions taken based on our content. Use this website at your own risk.

10. Advertising and Sponsorships

Housing Decode may display advertisements or sponsored content from third-party ad networks. We are not responsible for the content, accuracy, or practices of any advertiser. The presence of an advertisement does not imply our endorsement of the advertised product or service.

11. Changes to These Terms

We reserve the right to update or modify these Terms of Use at any time. Changes will be posted on this page with a revised "Last updated" date. Your continued use of the website after any changes constitutes acceptance of the updated terms.

12. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of India. Any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of the courts in Lucknow, Uttar Pradesh.

13. Contact Us

If you have any questions about these Terms of Use, please reach out to us at hello@housingdecode.com or visit our contact page.