Terms of Service

Plain terms. No surprises.

01Nature of service

Home Loan Doctor provides independent home loan analysis and advisory services to existing home loan borrowers in India. Our services are advisory in nature only.

We are not a bank, non-banking financial company (NBFC), loan broker, or registered investment adviser. We are not regulated by the Reserve Bank of India or the Securities and Exchange Board of India in respect of the services described here. Nothing we provide constitutes financial advice under applicable Indian law.

Our analysis is based on the documents and information you provide, combined with publicly available rate data. The outcome of any negotiation with your lender depends entirely on your lender’s decision and is outside our control.

02Services offered

We currently offer two paid services:

We also offer a Free Loan Check — a browser-based tool that runs entirely on your device. No data is collected, no account is required, and no payment is involved. The free check does not constitute a Full Assessment.

03Payment & refunds

Full Assessment (₹999)

• Payment is due before documents are accepted and work begins.
• If our assessment identifies no meaningful savings opportunity — defined as less than ₹500 per month across all three rate levers — we refund 50% of the fee (₹499) within 7 business days of delivering your report.
• If any savings opportunity is identified, the full fee is retained regardless of whether you act on the recommendation.
• If documents are not provided within 30 days of payment, the assessment lapses and no refund is issued.

Loan Rate Change Assistance (₹2,999)

• Payment is due upfront before engagement begins.
• If no rate reduction is achieved within the engagement period (60 days), 50% of the fee (₹1,499) is refunded within 7 business days of the engagement period closing.
• The Full Assessment component (₹999) embedded in this service is non-refundable once delivered.
• A rate reduction is considered achieved if your lender confirms, in writing or in practice, any reduction in the applicable interest rate on your loan.

All payments are collected via UPI. We do not store card or bank account details.

04Scope & limits

Our services are limited to analysis and advisory. Specifically:

• We do not contact your lender on your behalf unless you have engaged LRCA.
• We do not hold a power of attorney or any authority to act on your behalf with your lender.
• We do not guarantee any outcome — rate reductions, balance transfers, or lender responses are at the sole discretion of your lender.
• We do not provide tax advice. Any tax implications of refinancing or rate changes should be verified with a qualified tax adviser.
• We cover the ten major lenders listed on the Free Check tool for benchmark analysis. The Full Assessment covers any lender.

05Limitation of liability

Our analysis is based on documents and information provided by you. We are not responsible for errors, omissions, or inaccuracies in the documents you share, or for changes in your lender’s policies after the date of assessment.

To the fullest extent permitted by applicable law, our total liability to you in connection with any service shall not exceed the amount you paid for that specific service. We are not liable for any indirect, consequential, or incidental loss, including loss of opportunity or loss of savings that did not materialise.

Nothing in these terms excludes liability for fraud or for any matter that cannot be excluded under applicable Indian law.

06Governing law

These terms are governed by the laws of India. Any dispute arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Bengaluru, Karnataka.

We may update these terms from time to time. Material changes will be communicated to registered users by email at least 14 days before they take effect. The current version is always available at homeloandoctor.in/terms.

07Contact

For any questions about these terms or our services: