Terms of Service

Acceptance of these terms

By accessing or using this website, you agree to these terms as they apply at the time of your use. If you do not agree with them, please do not use the website. These terms are a draft and will be replaced by a final version once legal review is complete.

Who we are and what this website is

DebtFid is a loan settlement and debt-relief assistance service for individuals in India. This website is an informational and enquiry platform: it explains the service, publishes general educational material, and provides a form through which you can make an enquiry.

DebtFid is not a bank, lender, NBFC, law firm, debt purchaser, credit bureau or regulator, and does not provide legal representation. Those limits are described in full in the Disclaimer.

The registered legal entity behind DebtFid and its registration particulars are listed below. They are shown as pending because they have not yet been confirmed to us.

Registered legal entity name Awaiting confirmation Pending verification
Registered address Plot No. E-14, Block E, Defence Colony, New Delhi 110003
CIN or registration particulars Awaiting confirmation Pending verification

Description of the service

DebtFid explains loan settlement and debt-relief options, assesses enquiries on a case-by-case basis, and — where a client chooses to engage and authorises it — communicates with lenders or recovery departments on the client's behalf.

The exact scope of the service is subject to confirmation. The service categories currently described on this website are the ones we are able to support. Any given case may fall outside that scope, and if so we will say so rather than proceed.

No guarantee of outcome

Submitting an enquiry does not create any entitlement, eligibility or approval. It does not begin a settlement, and it does not oblige DebtFid to take on a case.

Settlement decisions rest with the lender. Whether a lender will consider a settlement, what amount it may accept, and how it records the outcome are matters for the lender alone. DebtFid does not guarantee any settlement, reduction, approval, credit-score change or cessation of recovery contact.

No legal or financial advice

Nothing on this website is legal, financial, tax or investment advice for your specific circumstances. The content is general information about how settlement and related processes work in India. You should obtain independent advice from a qualified professional before making decisions with legal or financial consequences.

Your responsibilities

Provide information that is accurate and complete to the best of your knowledge.
Do not misuse the website or attempt to interfere with its operation or security.
Do not submit another person's information without their authority to do so.
Do not send credentials, one-time passwords, full card numbers or identity documents at the enquiry stage.

Prohibited uses

You must not use this website to:

Break any applicable law or regulation.
Submit false, misleading or fraudulent information.
Upload or transmit malicious code, or attempt to gain unauthorised access to any system.
Scrape, harvest or bulk-collect content or data, or reproduce the content for commercial use without permission.
Impersonate DebtFid, its personnel or any other person.

Intellectual property

The content on this website — including text, layout, graphics and the DebtFid name and logo — belongs to DebtFid or is used with permission, and is protected by applicable intellectual-property law. You may view and print pages for your own personal, non-commercial use. Any other use requires our prior written permission.

Third-party links

This website may link to third-party websites or resources, for example a lender's or a regulator's page. Those sites are not under our control, and we are not responsible for their content, accuracy or practices. A link does not imply that we endorse the third party or its content.

Fees and engagement terms

Any professional fee is separate from the amount you owe a lender, and any fee should be set out in writing before you commit, stating what is charged, when it becomes payable, and exactly what it covers.

The fee schedule and engagement terms for DebtFid have not yet been published. This page will cross-reference the published schedule on the Fees and Process page once it is confirmed, and nothing in these terms should be read as fixing a fee at this stage.

Limitation of liability

To the extent permitted by law, DebtFid is not liable for indirect, incidental or consequential losses arising from your use of this website or from reliance on its general content. Nothing in these terms is intended to exclude or limit any liability that cannot lawfully be excluded or limited.

Suspension and termination

We may suspend or withdraw access to this website, in whole or in part, without notice, including where we reasonably believe these terms have been breached or where maintenance or security requires it. We may also decline or discontinue an enquiry or engagement in line with applicable law and our internal policies.

Governing law and jurisdiction

The law that governs these terms, and the courts or forum that have jurisdiction over any dispute, have not yet been confirmed. This page does not assert a governing law, a court, a city or a statute as settled. The applicable clause is awaiting confirmation and will be stated here once it has been determined with legal counsel.

Governing law Awaiting confirmation Pending verification
Jurisdiction and forum Awaiting confirmation Pending verification

Changes to these terms

This is a draft and will change. Once finalised, and whenever it is updated afterwards, the revised version will be published on this page. Continued use of the website after a change takes effect indicates acceptance of the revised terms.

Contact

Questions about these terms can be raised through the enquiry form on the Contact page. A dedicated contact channel for legal and terms queries has not yet been confirmed, so it is shown as pending below.

Contact channel for terms queries Awaiting confirmation Pending verification