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Terms & Conditions

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These Terms & Conditions ("Terms") govern your use of this website, our AI assistant and the enquiry, booking and contact services offered through them by AutoMediaX Global Hub Services LLP ("AutoMediaX", "we", "us"). By using the website or submitting an enquiry you agree to these Terms, which form an electronic contract under Section 10A of the Information Technology Act, 2000. If you do not agree, please do not use the website.

1. Eligibility

You must be at least 18 years old and able to enter into a binding contract under the Indian Contract Act, 1872. If you use the website for a business, you confirm that you are authorised to act for it.

2. Our role

AutoMediaX is a facilitator and adviser. Vehicles, loans, insurance policies and properties are supplied by manufacturers and dealers, banks and NBFCs, insurers and real estate developers under their own terms. Unless a written agreement says otherwise, we are not the seller, lender, insurer or developer, and the contract for the product is between you and that provider.

3. Loan sourcing (Direct Selling Agent)

  • We source loan applications as a Direct Selling Agent / loan sourcing partner of banks and NBFCs regulated by the Reserve Bank of India. We are not a lender.
  • Approval, loan amount, interest rate, fees, tenure and all other terms are decided solely by the lender under its credit policy. Rates or EMIs shown on this website, including our EMI calculator, are indicative only. Final terms are those in the lender's sanction letter and Key Facts Statement (KFS).
  • We do not charge you any fee for loan sourcing and never ask you to pay money to us or to any personal account to get a loan approved. Please report any such request to us at once.
  • Your loan application, KYC and documents are shared with the lender you choose, who may check your credit report with credit bureaus.
  • Our staff identify themselves and the lender they represent, call only at reasonable hours, and follow the code of conduct for DSAs that the lender sets under Reserve Bank of India directions.
  • Complaints about a loan go first to us or the lender; if the lender does not resolve them within 30 days, you may approach the RBI Integrated Ombudsman at cms.rbi.org.in.

4. Insurance (Point of Sales Person)

  • Insurance is offered through IRDAI-certified Point of Sales Persons (POSP) attached to a registered insurer or insurance intermediary. Insurance is the subject matter of solicitation.
  • Cover, premium, exclusions and claims are governed only by the policy wording issued by the insurer. Please read the policy document and Customer Information Sheet carefully before buying.
  • Our insurance calculator gives indicative figures only. The insurer's quote and policy are final.
  • Claims are decided by the insurer. We can help you with the paperwork but cannot guarantee any claim outcome.
  • Life and health policies usually include a free-look period, as set by IRDAI, during which you may return the policy under the insurer's terms.
  • No rebate, cashback or gift is offered to buy or renew a policy (Section 41, Insurance Act, 1938).

5. Real estate

  • We facilitate only projects registered under the Real Estate (Regulation and Development) Act, 2016, or exempt from registration under Section 3 of that Act. Project details on this website are compiled from RERA records, developer websites and public listings and carry the source link and RERA number where available.
  • Prices, availability, layouts, amenities and completion dates are set by the developer and can change. Please verify every detail on the relevant state RERA portal (for Gujarat, gujrera.gujarat.gov.in) and in the developer's agreement for sale before paying any amount.
  • Booking a site visit through this website does not reserve a unit or create any obligation to buy.
  • Payments for a property are made only to the developer's designated RERA project account, never to AutoMediaX unless a written agreement says otherwise.

6. Automotive, fleet and government services

Vehicle prices, variants, offers, availability and delivery timelines are set by the manufacturer and dealer and can change without notice. Registration, permits and warranties are governed by the Motor Vehicles Act, 1988, the Central Motor Vehicles Rules, 1989 and the manufacturer's terms. Government procurement through GeM is governed by GeM's terms and the General Financial Rules, 2017.

7. IT, digital marketing and consulting services

Scope, deliverables, timelines, fees, payment terms and ownership of deliverables for paid projects are set out in a separate proposal, quotation or agreement. If that document conflicts with these Terms, that document applies. Budgets shown in our enquiry form are indicative ranges to help you plan, not quotations. Advertising spend paid to platforms such as Google or Meta is separate from our fees unless stated otherwise. We do not guarantee specific rankings, leads or sales, because results depend on factors outside our control.

8. Your responsibilities

  • Give true, complete and current information. Providing false information or documents to a lender or insurer may lead to rejection, cancellation and legal action.
  • Do not misuse the website: no hacking, scraping, overloading, spreading malware, impersonating others or using it for unlawful purposes. Such acts may be offences under the Information Technology Act, 2000.
  • Do not submit someone else's personal data without their permission.

9. Communications

By submitting an enquiry you agree that we and the partner you choose may contact you about it by call, SMS, WhatsApp or email, as described in our Privacy Policy. You may opt out of promotional messages at any time.

10. Intellectual property

The website and its content are protected as described in our Copyright Notice. Logos and trade marks of banks, insurers, manufacturers, developers and other partners belong to their owners.

11. Third-party websites and data

The website links to regulators, partners and data sources. We do not control those websites and are not responsible for their content, availability or privacy practices.

12. No warranty

The website is provided "as is" and "as available". We try to keep it accurate and available but do not warrant that it will be error-free, uninterrupted or free of harmful components. Please read our Disclaimer.

13. Limitation of liability

To the extent permitted by law, AutoMediaX is not liable for any indirect, incidental or consequential loss, or for loss of profit, data or opportunity, arising from use of the website or reliance on its content. We are not liable for decisions, products or services of lenders, insurers, dealers, developers or other third parties. Nothing in these Terms limits any right you have as a consumer under the Consumer Protection Act, 2019 or any liability that cannot be excluded by law.

14. Indemnity

You agree to indemnify AutoMediaX against losses and claims arising from your breach of these Terms, false information you provide, or your misuse of the website.

15. Grievances and complaints

Please contact our Grievance Officer first. We aim to acknowledge complaints within 48 hours and resolve them within one month.

AutoMediaX Global Hub Services LLP
H No. 2265 Shri Nagar Soc, Fatak Bahar, Jagana, Banaskantha, Palanpur, Gujarat-385001
Phone: +91-8140873406
Email: info@automediax.co.in

Escalation routes: loans, the lender and then the RBI Integrated Ombudsman (cms.rbi.org.in); insurance, the insurer, then Bima Bharosa (bimabharosa.irdai.gov.in) and the Insurance Ombudsman (cioins.co.in); real estate, the state RERA authority; consumer disputes, the National Consumer Helpline 1915 or the e-Daakhil portal (edaakhil.nic.in).

16. Governing law, disputes and jurisdiction

These Terms are governed by the laws of India. We will first try to resolve any dispute amicably within 30 days. For business clients, a dispute that is not resolved may be referred to arbitration by a sole arbitrator appointed by mutual agreement or, failing that, under Section 11 of the Arbitration and Conciliation Act, 1996, with the seat and venue at Palanpur, Gujarat and proceedings in English. Subject to this, courts at Palanpur, Gujarat have exclusive jurisdiction. If you are a consumer, nothing in this clause prevents you from approaching a Consumer Disputes Redressal Commission under the Consumer Protection Act, 2019.

17. Changes and severability

We may update these Terms from time to time; the date at the top shows the latest version. If any part of these Terms is found invalid, the rest continues in force.