Terms and Conditions
Effective Date: March 8, 2026
Welcome to Low12! These terms and conditions outline the rules and regulations for the use of Low12’s Website, located at https://low12.in/.
By accessing this website, we assume you accept these terms and conditions. Do not continue to use Low12 if you do not agree to all of the terms and conditions stated on this page.
1. Professional Disclaimer (E-E-A-T Compliance)
The information provided on Low12 regarding Loan Issues, Legal Help, and Banking Procedures is for informational and educational purposes only.
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Not Legal Advice: We are not a law firm or a licensed financial institution.
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No Relationship: Using the guides or templates on this site does not create an “Attorney-Client” or “Consultant-Client” relationship.
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Professional Consultation: Always consult with a certified advocate or financial expert before making any serious legal or financial decisions.
2. Intellectual Property Rights
Unless otherwise stated, Low12 and/or its licensors own the intellectual property rights for all material on this website. You may access this for your own personal use, but you must not:
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Republish or copy our “Legal Guides” or articles without proper credit.
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Sell, rent, or sub-license material from Low12.
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Use our content for commercial purposes without our permission.
3. User Content & Comments
Parts of this website allow users to post opinions and data (Comments).
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Low12 does not filter or edit comments before they appear on the site.
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Comments reflect the views of the person who posts them.
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We reserve the right to monitor and remove any comments that are considered inappropriate, offensive, or that breach these Terms.
4. Limitation of Liability
In no event shall Low12, its owner, or its contributors be held liable for anything arising out of or in any way connected with your use of this website.
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We do not guarantee the outcome of your legal disputes or loan applications.
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Use of any templates (like dispute letters or legal drafts) provided on this site is at your own risk.
5. Hyperlinking to our Content
The following organisations may link to our Website without prior written approval:
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Government agencies;
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Search engines;
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News organisations;
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Online directory distributors.
6. Governing Law & Jurisdiction
These Terms will be governed by and interpreted in accordance with the laws of India/Haryana. You submit to the non-exclusive jurisdiction of the state and federal courts located in Faridabad, Haryana, for the resolution of any disputes.
7. Changes to These Terms
Low12 is permitted to revise these Terms at any time as it sees fit. By using this Website, you are expected to review these Terms regularly to ensure you understand all conditions.
