Terms of Use
Draft pending counsel review. These terms describe how the platform works today and are under review by Georgian counsel before final publication.
1. Role of the platform
ipotekebi.ge, operated by LLC INAVI (ID 404815875), is a Georgian residential-mortgage comparison and bank-handoff platform. It helps you estimate monthly payments, compare partner financial institutions' terms, understand currency risk, and submit a request that ipotekebi.ge routes to partner financial institutions.
The platform is not a bank, credit institution, separately licensed financial intermediary, or representative of a financial institution, unless expressly stated in writing.
2. Final lending decision
ipotekebi.ge does not issue loans, make final lending decisions, verify your documents or income, check your credit history, or value property.
Final terms, document requests, income checks, property valuation, and the lending decision are handled only by the partner financial institution(s) that receive your request. Results shown on the platform are for comparison and information only and are not a final bank offer.
3. Information you enter
Calculations are based on the information you enter, including income, income currency, loan term, down payment, and other financial details. You are responsible for the accuracy of what you enter; incorrect or incomplete information may change the estimated results.
At this stage the platform does not request document uploads. Required documents are requested directly by the partner financial institution(s).
4. Rates, calculations, and currency risk
Rates and terms may be provided by a partner, updated administratively, or received from another permitted source, and where possible show a last-updated time. Estimated monthly payment, total repayment, currency conversion, and the payment-pressure band are calculations and may differ from an institution's internal methodology.
If your income currency and loan currency differ, the platform may apply a conservative exchange-rate buffer for estimation only; it is not an institution's internal decision.
Automated processing. Automated calculations, comparison logic, currency buffers, payment-pressure bands, and Bank Criteria Match indicators are for informational comparison only and do not constitute automated approval or a final lending decision.
5. Request handoff and consent
With your consent, operations routes relevant request facts to selected banks or developers. Partner access excludes customer contact and identity before a valid offer selection. For developer enquiries, only the developer you choose receives your name and contact through an audited introduction.
6. Comparison PDF / summary
The platform may provide a mortgage-comparison summary as a PDF or in another format. This summary is a preparation and information document — it is not final loan terms, a bank commitment, or financial advice.
7. Prohibited use
You must not enter false data, scrape data automatically, bypass security systems, use third-party data without authority, or pursue any unlawful purpose. We may restrict or block access where there is a security, fraud, data-protection, or service-abuse risk.
8. Limitation of liability
We aim to provide accurate and transparent information, but do not promise that every rate, term, or calculation always fully reflects an institution's final internal rules. To the extent permitted by law, our liability is limited to direct, actually proven damage; we are not liable for indirect, incidental, or lost-opportunity damages.
9. Changes
We may update these terms. The updated version is published here with its date. Continuing to use the platform after an update means you accept the updated terms, unless applicable law requires a different form.
10. Governing law and contact
These terms are governed by the laws of Georgia unless mandatory rules provide otherwise. For questions, contact hello@ipotekebi.ge. Operator: LLC INAVI, ID 404815875, Georgia, Tbilisi, Mtatsminda District, Guram Rcheulishvili Street N17, Apt. N28.
Request types and data handling
The platform supports mortgage, subsidised mortgage, single-mortgage refinancing and developer apartment enquiries. Private drafts can be saved before contact verification; submission and partner sharing require verified contact and separate, versioned consent.
Developer enquiries collect budget, location and apartment preferences, payment timing and adult confirmation. They do not require bank income or co-borrower information. Developers receive only the preferences needed to prepare an offer. Name and contact are disclosed only to the selected developer through an audited introduction. Selection does not reserve an apartment, guarantee availability or take payment.
Subsidy screening collects household circumstances and relevant birth/adoption dates, but no child names, personal identifiers or documents. It is preliminary; the bank confirms programme eligibility. Refinancing records one existing mortgage and compares its remaining payments with proposed terms. Unknown fees and schedules remain marked as incomplete.
Amendments create auditable request revisions and can require partners to reconfirm offers. Cancellation stops future routing and selection. Account erasure removes account identity while request, offer, consent and audit records follow the stated retention policy. Sensitive answers are excluded from URLs and analytics.