Disclaimer / GURM Realty Advisory

Clarity also means understanding the limits of information.

This Disclaimer explains how property information, market commentary, advisory perspectives and transaction-related content on the GURM Realty Advisory website should be understood.

Property decisions may require property-specific verification and independent professional review.

Last updated:

02

General information only

Website content may include:

  • Property education and buyer guidance
  • Market-evaluation frameworks and location commentary
  • Asset-class comparisons
  • NRI property information
  • Transaction guidance
  • Regulatory context and documentation awareness
  • Editorial insights

Unless expressly agreed otherwise, website content is general information and should not be treated as property-specific professional advice.

03

Website use does not create an engagement

Browsing this website, reading a page or article, submitting an enquiry, or receiving an initial response does not automatically create an advisory relationship, client relationship or accepted mandate. Specific scope and commercial terms may need to be agreed separately.

04

Every property decision is property-specific

Suitability may depend on factors such as:

  • Purpose and client circumstances
  • Property type and location
  • Title, approvals and land use
  • Possession and access
  • Pricing, charges and financing
  • Holding period
  • Rental demand and resale practicality
  • Current market conditions

A general statement on this website should not automatically be applied to a specific property without appropriate review.

05

RERA registration requires context

References to project or intermediary RERA registration, registration status or related information are provided for context. Registration is an important regulatory consideration, but does not by itself guarantee title, approvals, possession, construction quality, financial performance, resale, rental income, suitability or the absence of every risk.

Punjab RERA Registration

PBRERA-LDH44-REA3405

This registration information identifies GURM and does not imply endorsement by the regulator.

06

Approval and land-use information

References to CLU, zoning, planning or development permissions, project approvals, land-use status, proposed roads, master plans, future sectors or infrastructure proposals should be independently confirmed where material.

  • “Under process” is not the same as approved.
  • A proposal is not the same as a completed approval.
  • A future road is not the same as present access.
  • Development potential is not the same as development permission.

07

Title and ownership review

GURM may identify documentation questions, request documents, coordinate review and highlight matters requiring clarification. It does not automatically provide an advocate-certified title opinion, legal-title certification, encumbrance or litigation certification, or an ownership guarantee.

Formal legal review should be undertaken by qualified legal professionals where appropriate.

08

Tax, FEMA and banking matters

Information about TDS, capital gains, residential status, NRE or NRO accounts, repatriation, remittance, FEMA, authorised dealer-bank processes, inheritance, gifting, tax filings or transaction banking is general context unless separately provided by an appropriately qualified professional.

GURM does not replace chartered accountants, tax advisers, authorised dealer banks or legal professionals.

09

Technical and built-environment matters

Website observations or transaction coordination do not replace professional structural inspection, engineering or architectural review, measurement verification, construction-quality assessment, environmental review or planning advice. Qualified professionals may be required depending on the property.

10

Price is not the same as value

Asking prices can change, negotiated prices can differ, market conditions can move, quoted rents may not reflect achieved rents, and comparable transactions may not be identical. A marketing price is not a certified valuation.

GURM may discuss commercial context, but unless expressly stated otherwise, website content is not a formal valuation report.

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No guarantee of returns

GURM does not guarantee appreciation, rental yield, rental occupancy, resale value, liquidity, future demand, profit or capital protection. Property investment involves uncertainty.

Past market movement, nearby transactions, infrastructure plans or historical trends should not be treated as a guarantee of future performance.

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Future potential remains future-dependent

Planned roads, infrastructure, future sectors, transport projects, employment corridors, commercial developments, proposed institutions or development plans may depend on approvals, funding, execution, timing, policy, third parties and government decisions.

Future potential may be relevant to a decision, but should be distinguished from what exists today.

13

Market commentary can become outdated

Information about demand, rental conditions, availability, pricing, micro-markets, development activity, buyer behaviour or commercial activity may change. This website should not be interpreted as a live market-data service unless expressly stated.

14

Availability is not guaranteed

Properties, projects, inventory, commercial terms or seller instructions may change or be withdrawn. GURM does not guarantee that a property referenced during a discussion will remain available until formal agreement.

15

Third-party representations

Information may originate from builders, developers, sellers, owners, representatives, authorities, professionals, public records or other market participants. GURM may review, question or coordinate information, but should not be understood to have independently verified every third-party statement unless expressly stated.

This does not excuse fraud, deliberate misrepresentation or a failure to use reasonable care when presenting information.

16

Digital tools are supporting inputs, not final conclusions

Satellite imagery, maps, digital records, online planning material, public portals and location tools may help identify questions or historical context. They do not automatically replace physical inspection, official records, title review, planning confirmation or technical assessment.

17

Remote review has limits

Photographs, videos, video calls, map review, representative updates and document scans can assist an overseas client but may not reveal every issue. Physical inspection or specialist review may still be appropriate.

18

Power of Attorney requires legal review

GURM may discuss coordination needs but does not provide definitive legal conclusions about the scope, validity, execution, authentication, stamping, registration, adjudication or enforceability of a Power of Attorney unless appropriately qualified legal professionals are involved.

19

Development potential is not a guaranteed outcome

Land or joint-venture opportunities may depend on title, land use, planning, approvals, aggregation, access, developer capability, financing, commercial agreement, government processes and timelines.

GURM does not guarantee joint-venture completion, development approval, CLU, zoning conversion, project sanction or profitability.

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Operational suitability requires specialist confirmation

Industrial or institutional requirements may depend on permitted use, environmental requirements, utilities, logistics, power, water, road access, fire or safety requirements, statutory approvals and technical suitability.

GURM can support requirement evaluation and coordination but does not replace specialist or regulatory review.

21

External websites

GURM may link to authorities, builders, developers, service providers, information sources or social media platforms. External websites are governed by their own information, terms and privacy practices. GURM does not control all external content.

22

Accuracy and updates

GURM aims to present information responsibly, but typographical errors, outdated information, changed third-party information or incomplete public records may occasionally occur. Users should confirm material information before relying on it for a property commitment.

23

Different questions require different professionals

GURM
Property advisory, requirement analysis and agreed transaction coordination.
Advocate / Title Professional
Legal and title review.
CA / Tax Professional
Tax-specific advice.
Bank / Authorised Dealer
Financing, remittance and applicable banking processes.
Engineer / Architect
Technical or structural review.
Valuer
Formal valuation where required.
Government / Statutory Authority
Regulatory approvals and official processes.

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Reasonable limits

General website content should not be the sole basis for a major property commitment. GURM cannot control market movements, government actions, third-party conduct or future events.

Any responsibility arising from a separately agreed engagement should be understood in the context of that engagement, its agreed scope and applicable law. Nothing in this Disclaimer is intended to exclude or limit rights or liabilities that cannot lawfully be excluded or limited, including responsibility for fraud or deliberate misrepresentation.

25

Related website policies

Personal-information handling and website-use terms are addressed separately in the following policies:

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Questions about this Disclaimer

Questions about this Disclaimer may be sent to:

info@gurm.in

GURM Realty Advisory

Punjab RERA Registration

PBRERA-LDH44-REA3405