The information provided on this Website is for informational and marketing purposes only and does not constitute:

• Financial advice
• Investment advice
• Legal advice
• Tax advice
• Real estate brokerage advice
• Fiduciary services

Users should obtain independent professional advice from qualified legal, financial, tax, and real estate advisors before making any investment decision.

Off-plan property investments carry inherent risks, including but not limited to:

A. Construction and Completion Risk

Projects may experience:

• Construction delays
• Changes to completion schedules
• Contractor disputes
• Permit or regulatory delays
• Material shortages
• Infrastructure delays

There is no guarantee that projects will be completed on time or according to original specifications.

B. Market Risk

Property values may fluctuate due to:

• Economic conditions
• Interest rate changes
• Inflation
• Currency fluctuations
• Oversupply
• Reduced market demand
• Geopolitical events

Investors may lose part or all of their invested capital.

C. Developer Risk

Developers may encounter:

• Financial instability
• Insolvency
• Funding shortages
• Operational issues
• Legal disputes

Developer performance is outside our control.

D. Rental Yield and ROI Risk

Projected:

• Rental income
• Occupancy rates
• Capital appreciation
• Return on investment (ROI)

are estimates only and are not guaranteed.

Actual returns may be significantly lower than projected.

E. Liquidity Risk

Off-plan properties may be difficult to resell quickly or at expected prices.

Secondary market conditions may:

• Reduce resale opportunities
• Delay exits
• Impact profitability

F. Regulatory and Legal Risk

Changes in:

• Property laws
• Tax regulations
• Foreign ownership restrictions
• Visa or residency programs
• Government regulations

may impact investment value or ownership rights.

G. Currency and Exchange Risk

International investors may be exposed to:

• Currency volatility
• Exchange rate fluctuations
• International transfer restrictions

which may affect overall investment returns.

H. Financing Risk

Mortgage approvals, financing terms, and lending conditions may change at any time.

Failure to secure financing could impact the investor’s ability to complete a purchase.

I. Force Majeure Risk

Events beyond reasonable control may impact projects, including:

• Natural disasters
• War
• Pandemics
• Civil unrest
• Government restrictions
• Supply chain disruptions

Such events may delay or prevent project completion.

We make no guarantees regarding:

• Investment profitability
• Capital appreciation
• Rental yields
• Occupancy rates
• Exit opportunities
• Visa or residency approvals
• Tax advantages

Past performance does not guarantee future results.

Property details, projections, pricing, and marketing materials may be supplied by third-party developers, brokers, or partners.

While we aim to present accurate information, we do not guarantee:

• Accuracy
• Completeness
• Reliability
• Timeliness

Users must independently verify all information before investing.

Investors are solely responsible for conducting independent due diligence, including:

• Reviewing legal documentation
• Verifying developer credentials
• Assessing project approvals
• Understanding payment obligations
• Reviewing escrow arrangements
• Obtaining legal and tax advice

Failure to conduct proper due diligence may increase investment risk.

Use of this Website or communication with our representatives does not create:

• A fiduciary relationship
• Investment advisory relationship
• Brokerage relationship
• Legal representation

Unless expressly agreed in writing.

Real estate laws and investor protections vary by jurisdiction.

International investors are responsible for understanding:

• Local ownership laws
• Tax implications
• Repatriation rules
• Regulatory requirements
• Cross-border transaction risks

To the maximum extent permitted by law, [Your Company Legal Name], its affiliates, directors, employees, agents, and partners shall not be liable for:

• Investment losses
• Delayed projects
• Developer defaults
• Lost profits
• Currency losses
• Financing issues
• Regulatory changes
• Indirect or consequential damages

arising from:

• Property investments
• Reliance on Website information
• Third-party actions
• Market conditions

By proceeding with any property inquiry or transaction, investors acknowledge that:

• They understand the risks involved;
• They have conducted independent research;
• They are financially capable of bearing potential losses;
• They are not relying solely on Website content or marketing materials.

For questions regarding this Investor Risk Disclaimer:

Mathers & Clark E-Services Private Limited

Email: supportdesk@homebayrealty.com
Address: C 132, First Floor, Block C, Nirvana Courtyard, Nirvana Country, Sector 50, Gurugram, Haryana, 122018, India
Phone:+91 9910249811