Terms & Conditions

Last updated: December 06, 2025

1. Acceptance of Terms

By accessing and using our Property Assessment & Jewellery Valuation Platform, you accept and agree to be bound by these terms and conditions. Our platform connects banks with professional valuers for seamless assessment services. If you do not agree to these terms, please do not use this service.

2. Platform Description

We operate as an intermediary platform that:

• Receives valuation requests from partner banks for their customers
• Assigns certified professional valuers from our network
• Manages the workflow from request to report submission
• Facilitates property and jewellery (gold, diamond, precious stones) assessments
• Ensures satisfaction for both banks and customers through transparent processes

3. User Accounts & Authentication

When you create an account, you must provide accurate and complete information. You are responsible for:

• Maintaining confidentiality of your login credentials
• All activities conducted under your account
• Immediately notifying us of any unauthorized access
• Complying with two-factor authentication (2FA) requirements
• Completing profile information as per your role requirements

4. User Roles and Responsibilities

4.1 Bank Users

Banks and financial institutions using our platform must:

• Submit authentic valuation requests for legitimate loan processing
• Provide accurate customer and asset details
• Maintain confidentiality of received reports
• Use valuations only for intended loan approval purposes
• Comply with banking regulations and standards

4.2 Professional Valuers

Certified valuers assigned by us must:

• Conduct thorough and accurate assessments of gold, jewellery, diamonds, and properties
• Provide unbiased market valuations based on current rates
• Complete assessments within agreed timelines
• Generate comprehensive reports with photographs and documentation
• Maintain professional certifications and industry standards
• Submit daily work reports including calls, visits, and loan reports

4.3 Coordinators

Platform coordinators are responsible for:

• Managing workflow between banks and valuers
• Ensuring timely assignment of valuation requests
• Monitoring progress and quality of assessments
• Facilitating communication between all parties

5. Valuation Services

5.1 Gold & Jewellery Assessment

Our valuers assess gold, diamonds, precious stones, and jewellery items including:

• Purity verification and authenticity checks
• Weight and quality measurements
• Current market value determination
• Photographic documentation

5.2 Property Valuation

Property assessments include residential, commercial, and agricultural properties with market analysis and comparable sales data.

6. Workflow Process

Our standard workflow follows these steps:

1. Bank Request: Banks submit valuation requests for customers
2. Valuer Assignment: We assign qualified valuers based on location and expertise
3. Assessment: Valuers examine assets and determine market value
4. Report Generation: Comprehensive reports with certification are created
5. Submission: Reports submitted to banks through secure platform
6. Satisfaction: Both banks and customers receive transparent results

7. Work Request & Attendance

Valuers must submit daily work requests including:

• Bank selection for work performed
• Number of daily calls made
• Number of site visits conducted
• Loan report details
• Supporting documents and photographs

Admin approval of work requests automatically generates attendance records for performance tracking.

8. Privacy & Data Protection

We are committed to protecting sensitive financial and personal data:

• Bank-grade security with encrypted data transmission
• Two-factor authentication (2FA) for all users
• Complete audit trails of all activities
• Secure document storage and handling
• Compliance with data protection regulations
• Personal information shared only with authorized parties

9. Assessment Accuracy & Liability

While we ensure professional valuations by certified experts:

• Assessments are professional opinions based on current market conditions
• Market values fluctuate and valuations represent specific time periods
• We are not liable for market changes after valuation completion
• Banks make final loan decisions based on their own criteria
• Valuers are independent professionals responsible for their assessments

10. Prohibited Activities

Users must not:

• Submit false or fraudulent valuation requests
• Provide inaccurate asset information
• Manipulate or alter valuation reports
• Share login credentials or bypass security measures
• Use the platform for unlawful purposes
• Violate intellectual property rights

11. Payment Terms

Payment arrangements for valuation services are made directly between banks and our platform. Fees are based on assessment type, complexity, and location. All payments must be made as per agreed terms.

12. Termination

We reserve the right to suspend or terminate accounts that violate these terms, engage in fraudulent activities, or misuse the platform. Users may also request account closure by contacting support.

13. Changes to Terms

We may modify these terms as our services evolve. Material changes will be communicated at least 30 days before taking effect. Continued use of the platform constitutes acceptance of updated terms.

14. Dispute Resolution

Any disputes arising from the use of our platform shall be resolved through mutual discussion. If resolution cannot be reached, disputes will be handled as per applicable laws and regulations.

15. Contact Information

For questions about these Terms & Conditions, please contact us.