About these terms
These Terms of Use ("Terms") are an agreement between you and 42 Wall Private Limited (CIN U74999KA2020PTC131926), a company incorporated in India under the Companies Act, 2013, with its registered office at A No. 184, K No. 2308, Vibuthipura, K R Puram, Bengaluru 560037 ("HomeHub", "we", "us", "our"). They apply to the HomeHub mobile application and related services (the "App").
This document is an electronic record under the Information Technology Act, 2000 and the rules made under it, and does not require a physical or digital signature. It is published as required by Rule 3(1) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021.
Our Privacy Policy explains how we handle personal data and forms part of these Terms. If you do not agree to these Terms, please do not use the App.
What HomeHub does
HomeHub is a technology platform for home construction. Through the App you can:
- view your construction loan details shared by your lender, and follow a construction plan;
- upload location-verified photos and videos of construction progress for your lender to review;
- send disbursement requests for the next loan instalment to your lender;
- track construction expenses with contractors and suppliers (Spend Book);
- create a contractor profile and showcase projects;
- use calculators and cost estimators, browse floor plans and watch Knowledge Center videos; and
- submit enquiries for floor plans or home loans.
Banks and housing finance companies ("Lenders") use our BrickEZ web platform to review information you submit. Our relationship with Lenders is governed by separate agreements.
We are not your lender
HomeHub is not a bank, non-banking financial company, housing finance company or loan agent, and does not lend money, approve loans or release payments.
- Your loan is a contract between you and your Lender, and is governed by your loan agreement. Nothing in these Terms changes that agreement.
- Your Lender alone decides whether to accept your progress updates, approve or reject a disbursement request, and how much to release and when. We do not guarantee any approval, amount or timeline.
- Questions about your loan terms, interest, EMIs or disbursements should be directed to your Lender.
- Loan details shown in the App come from your Lender. If anything looks wrong, please contact your Lender. You may also tell us.
Eligibility
You must be at least 18 years old and capable of entering into a binding contract under the Indian Contract Act, 1872 to use the App. If you use the App on behalf of a business, you confirm you are authorised to bind that business to these Terms.
Your account
- You sign in with your mobile number and a one-time password (OTP). Please keep your phone and OTPs secure. Never share an OTP with anyone, including people claiming to be from HomeHub or your Lender.
- You are responsible for all activity under your account. Tell us immediately at hello@homehub.global if you suspect unauthorised use.
- Information you give us must be accurate, current and complete, and must belong to you or be provided with permission.
- Your account is personal and may not be sold, transferred or shared.
Progress uploads and disbursement requests
Progress photos, videos and disbursement requests may be relied on by your Lender to release loan money. When you submit them, you confirm that:
- photos and videos are genuine, recent and taken at the property linked to your loan, and have not been edited, staged, reused or manipulated;
- the construction stage you report is true and accurate; and
- all declarations you make in a disbursement request are true.
The App checks your device location and may reject uploads taken away from the property. Do not try to bypass these checks, for example by using location-spoofing apps.
Submitting false or misleading information to obtain a loan disbursement may breach your loan agreement and may be a criminal offence. We may suspend your account and report it to your Lender and, where required, to the authorities.
Your Lender may also show you its own terms or declarations when you make a request. Those are between you and your Lender.
Calculators, estimates and content
EMI calculators, cost estimators, unit converters, floor plans, Knowledge Center videos and other information in the App are provided for general guidance only. They are not financial, legal, engineering, architectural or construction advice. Actual costs, EMIs and approvals will vary. Please consult your Lender and qualified professionals before making decisions. Floor plans are indicative and must be reviewed by a qualified architect or engineer and approved by the relevant authorities before use.
Spend Book and contractor profiles
- Spend Book is a personal record-keeping tool. Entries are not verified by us and are not an invoice, receipt, or proof of payment. When you add a contractor or supplier, you confirm you have a legitimate reason to store their name and number.
- Contractor profiles are created and maintained by contractors. We do not verify, endorse or guarantee any contractor, their qualifications, licences or work. Any agreement you make with a contractor is solely between you and them.
Acceptable use
You agree not to host, display, upload, modify, publish, transmit, store, update or share any information that:
- belongs to another person and to which you have no right;
- is obscene, pornographic, paedophilic, invasive of another's privacy (including bodily privacy), insulting or harassing on the basis of gender, racially or ethnically objectionable, relates to or encourages money laundering or gambling, or promotes enmity between groups on grounds of religion or caste with intent to incite violence;
- is harmful to children;
- infringes any patent, trademark, copyright or other proprietary right;
- deceives or misleads about the origin of a message, or knowingly communicates information that is patently false or misleading;
- impersonates another person;
- threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states or public order, incites any cognisable offence, prevents investigation of any offence, or insults another nation;
- contains software viruses or any other code designed to interrupt, destroy or limit the functionality of any computer resource;
- is patently false and untrue, and is written or published with the intent to mislead or harass a person, entity or agency for financial gain or to cause injury; or
- violates any law in force.
You also agree not to: reverse engineer, decompile or modify the App except as permitted by law; access the App or our systems by automated means or without authorisation; probe or bypass security or location checks; interfere with the App's operation; access another user's account or data; or use the App to send spam.
If we become aware of content that breaches this section, we may remove it or disable access to it, and suspend or terminate the responsible account, as permitted by law.
Your content
You keep ownership of the photos, videos, profile details, project information and other content you submit ("Your Content").
You grant HomeHub a non-exclusive, royalty-free, worldwide licence to host, store, copy, process, transmit and display Your Content only as needed to: operate and provide the App; share loan-related content with your Lender; show your contractor profile to other users if you choose to publish it; and comply with law. This licence ends when Your Content is deleted from our systems in line with our retention policy. It does not end for copies your Lender is entitled to keep.
We will not use Your Content in advertising or marketing without your separate permission. You confirm that you have the rights to submit Your Content and that it does not infringe anyone else's rights.
Our intellectual property
The App, BrickEZ, their software, design, text, graphics, floor plans, videos and the HomeHub and BrickEZ names and logos are owned by or licensed to 42 Wall Private Limited and protected by law. We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to install and use the App on devices you own or control, for its intended purpose, under these Terms. All other rights are reserved.
Third-party services
The App works with services provided by others, such as Google Play, Google Maps, YouTube, WhatsApp and your phone's dialler. Your use of those services is subject to their own terms and privacy policies. We are not responsible for third-party services, websites or content.
Your use of the App is also subject to the Google Play Terms of Service. Google is not a party to these Terms and is not responsible for the App.
Fees
The App is currently free to download and use. We do not charge you for its features, and the App does not process payments. If we introduce paid features, we will clearly show the price and terms before you are charged.
Disclaimers
We work hard to keep the App available, accurate and secure. However, to the extent permitted by law, the App is provided "as is" and "as available". We do not guarantee that it will be uninterrupted, error-free or always available, or that uploads will always succeed on the first attempt. Network, device or location conditions may affect performance. We are not responsible for decisions made by your Lender, contractors or other third parties.
Nothing in these Terms limits any rights you have under the Consumer Protection Act, 2019 or other laws that cannot be excluded by contract.
Limitation of liability
To the maximum extent permitted by law:
- HomeHub will not be liable for any indirect, incidental, special, consequential or punitive loss, or for loss of profits, business, data or goodwill, arising from your use of the App;
- HomeHub will not be liable for any loss arising from your Lender's decisions, including delays, reductions or refusals of loan disbursements; and
- our total liability to you for all claims relating to the App will not exceed ₹5,000.
These limits do not apply to liability that cannot be limited by law, including for fraud, wilful misconduct, or death or personal injury caused by our negligence.
Indemnity
You agree to indemnify HomeHub, its directors, employees and agents against claims, losses and reasonable costs, including legal fees, arising from your breach of these Terms, false or misleading information or content you submit, or your violation of any law or third-party right.
Suspension and termination
- You may stop using the App at any time and ask us to delete your account. See Delete your account.
- We may suspend or terminate your access, with notice where practicable, if you breach these Terms, if required by law, if your Lender ends its relationship with us, or if we discontinue the App.
- On termination, your right to use the App ends. Sections that by their nature should survive will survive, including those on Your Content, intellectual property, disclaimers, limitation of liability, indemnity and governing law.
Changes to the App and these terms
We may update the App and these Terms from time to time. We will post the updated Terms here with a new effective date. If the changes are significant, we will notify you in the App, or by SMS or email, before they take effect. If you keep using the App after changes take effect, you accept the updated Terms.
Governing law and disputes
These Terms are governed by the laws of India. Please contact our Grievance Officer first so we can try to resolve any issue informally. Subject to any rights you have under consumer protection law, the courts at Bengaluru, Karnataka will have exclusive jurisdiction over any dispute arising from these Terms or the App.
General
- Entire agreement: these Terms and the Privacy Policy are the entire agreement between you and HomeHub about the App.
- Severability: if any provision is found invalid, the rest remain in effect.
- No waiver: our failure to enforce a right is not a waiver of it.
- Assignment: you may not transfer your rights under these Terms. We may transfer ours as part of a merger, acquisition or sale of assets.
- Events beyond our control: we are not responsible for delays or failures caused by events beyond our reasonable control.
- Language: if these Terms are translated, the English version prevails.
Grievance Officer and contact
In accordance with the Information Technology Act, 2000, the rules made under it, and the Consumer Protection (E-Commerce) Rules, 2020 where applicable, our Grievance Officer's details are below. We will acknowledge your complaint within 24 hours and resolve it within 15 days of receipt.