Privacy Policy Document

Last updated: 31 December 2025

1. INTRODUCTION

Settlend Legal Advisors LLP trading as “Debtkart” (“Debtkart”, “we”, “our”, “us”) is a legal and consulting firm specialising in debt resolution, loan settlement, credit card and personal loan disputes, and borrower protection against unlawful recovery practices.

This Privacy Policy explains how we collect, use, store, disclose and protect your personal information when you:

• visit or use our website https://www.debtkart.in and any sub-domains;
• fill out enquiry or contact forms;
• communicate with us by phone, email, WhatsApp or other digital channels; or
• engage us for professional services as a client.

By accessing or using our website or services, you acknowledge that you have read, understood and agree to this Privacy Policy and consent to the collection and use of your information in accordance with it.

This Privacy Policy is to be read together with our Terms of Service and any engagement letter, mandate or authorization letter executed with Debtkart.

2. SCOPE AND APPLICABLE LAW

This Privacy Policy primarily applies to personal information collected and processed in India, and is framed having regard to:

• the Information Technology Act, 2000 and the applicable rules relating to reasonable security practices and procedures;
• the Digital Personal Data Protection Act, 2023, to the extent it is in force and applicable; and
• any other applicable Indian laws, rules and regulatory guidelines.

Where users are located outside India (for example, in the European Union or other jurisdictions with specific data protection regimes), additional rights may apply under those laws. In case of conflict, mandatory local law will prevail to the extent of such conflict.

3. DEFINITIONS

For the purposes of this Privacy Policy:

• “Personal Information” means any information that can identify you directly or indirectly, such as your name, contact details, identification numbers, financial information or online identifiers.
• “Sensitive Personal Information” may include financial details, bank statements, credit history, account numbers, government-issued IDs and other information that requires higher protection.
• “Services” means legal, para-legal, advisory, negotiation, settlement, notice drafting, representation before arbitrators, ODR platforms, regulatory bodies, or any other services provided by Debtkart.

4. INFORMATION WE COLLECT

Depending on how you interact with us, we may collect the following categories of information:

a) Information you provide directly

• Name, address, email ID, mobile number and other contact details.
• KYC and identity information such as PAN, Aadhaar number (where shared), date of birth, and address proof.
• Loan, credit card, overdraft and other credit facility details, including lender names, account numbers, EMI history, statements, settlement offers, and outstanding amounts.
• Information shared through our contact forms, WhatsApp, email, Telegram, phone calls or any other communication channel.
• Documents you upload or share, such as bank statements, salary slips, legal notices, arbitration orders, summons, recovery messages, call recordings, screenshots, etc.
• Any other information you voluntarily provide to enable us to assess your case, prepare legal documents, negotiate with financial institutions or represent you.

b) Information collected automatically (website and digital use)

When you visit our website, certain information may be collected automatically, including:

• IP address, browser type, device type, operating system, referral URLs and pages visited;
• date and time of visit, time spent on pages, and clickstream data;
• cookies, pixel tags, web beacons and similar technologies (as described further below).

c) Information from third parties

We may receive information about you from:

• lenders, banks, NBFCs, digital lending platforms, recovery agencies or ODR platforms in connection with your case;
• payment gateway providers when you make payments to us;
• publicly available sources, credit information companies (where lawfully permissible) or regulators, if required for legal or compliance reasons.

5. HOW WE USE YOUR INFORMATION

We use your information for one or more of the following purposes:

• To understand your debt-related issues, evaluate your case and determine suitable legal or settlement options.
• To provide and deliver our services, including drafting notices, complaints, replies, representations, and other legal documents.
• To communicate with lenders, NBFCs, banks, recovery agencies, arbitrators, ODR platforms or regulators on your behalf, strictly as per your authorization.
• To contact you for consultations, clarifications, status updates, reminders, and service-related communication.
• To manage our client records, maintain evidence, and comply with legal, regulatory and professional obligations.
• To improve our website, services, user experience and internal processes.
• To send you service-related communications, important announcements, and, where permitted, educational or informational content about debt, credit and legal rights.
• To detect, investigate and prevent fraud, abuse, security incidents and misuse of our platform or services.
• To enforce our Terms of Service, engagement terms and protect our legal rights and interests.

We do not sell your personal data to any third party.

6. COOKIES AND TRACKING TECHNOLOGIES

Our website may use cookies and similar technologies to:

• remember user preferences and improve navigation;
• understand how visitors use the website;
• generate aggregate statistics and analytics to improve performance.

You can control cookies through your browser settings. However, disabling certain cookies may affect your browsing experience or some website functions.

7. LEGAL BASIS FOR PROCESSING (WHERE APPLICABLE)

Depending on your jurisdiction, our legal basis for processing your personal information may include:

• your consent (for example, when you fill out a form or explicitly authorise us);
• necessity for entering into and performing a contract or engagement with you;
• compliance with legal obligations and regulatory requirements;
• legitimate interests such as improving our services, maintaining security, and protecting our rights, provided such interests do not override your fundamental rights and freedoms.

8. SHARING AND DISCLOSURE OF INFORMATION

We may share your information with:

a) Internal and associated professionals

• Debtkart’s partners, advocates, consultants, case managers, paralegal staff and authorised team members who need access for legitimate work purposes.

b) External third parties

• Financial institutions, banks, NBFCs, digital lenders, recovery agencies, arbitration tribunals, ODR platforms and other counterparties, but only to the extent necessary for handling your matter and as per your authorization.
• Regulatory, quasi-judicial and judicial bodies, ombudsman offices, consumer fora or authorities when filing complaints, representations or legal proceedings.
• Payment gateway service providers, hosting providers, email and SMS gateways, CRM systems, cloud service providers, and analytics tools, strictly to support our operations and subject to appropriate safeguards.
• Professional advisors such as auditors or legal counsel where necessary for compliance or defence of legal claims.

c) Legal and compliance reasons

We may disclose your information if required by applicable law, court order, regulatory directive, or in good-faith belief that such disclosure is reasonably necessary to:

• comply with legal or regulatory obligations;
• protect and defend our rights or property;
• protect the personal safety of users, clients or the public;
• prevent, detect or investigate fraud, security or technical issues.

We ensure that any third party receiving your data is bound by appropriate confidentiality and data protection obligations, wherever reasonably practicable.

9. DATA RETENTION

We retain your personal information for as long as:

• it is necessary to fulfil the purposes for which it was collected;
• your engagement or relationship with Debtkart continues;
• we are required to do so by applicable law, regulations, professional guidelines, or legitimate business needs (such as record-keeping, audit, and defence against potential legal claims).

Once the retention period expires, we will delete, anonymise or securely archive your data in accordance with our internal policies and applicable law.

10. DATA SECURITY

We implement reasonable security practices and procedures designed to protect your personal information against unauthorised access, alteration, disclosure or destruction, including:

• restricted access to personal data on a need-to-know basis;
• use of passwords, access controls and, where applicable, encryption;
• secure storage of physical files and documents;
• technical and organisational safeguards in line with industry standards, wherever feasible.

However, no method of transmission over the internet or method of electronic storage is completely secure. While we strive to protect your data, we cannot guarantee absolute security. You are advised to avoid sharing extremely sensitive information through unsecured channels unless strictly necessary.

11. YOUR RIGHTS AND CHOICES

Subject to applicable law, you may have the following rights:

• to request access to personal information we hold about you;
• to request correction or update of inaccurate or incomplete information;
• to withdraw consent where processing is based on consent (this will not affect prior lawful processing);
• to request deletion or restriction of processing in certain circumstances, subject to legal and contractual limitations;
• to object to certain processing, where permitted by law;
• to lodge a complaint with the competent data protection or regulatory authority, if available in your jurisdiction.

To exercise any of these rights, please contact us using the details provided in the Contact section below. We may need to verify your identity before acting on your request.

12. CHILDREN’S PRIVACY

Our website and services are not intended for, and we do not knowingly solicit or collect personal information from, individuals under 18 years of age without appropriate parental or guardian consent.

If you believe that a minor has provided us with personal information without proper consent, please contact us immediately. We will take reasonable steps to delete such information from our records as soon as practicable.

13. THIRD-PARTY WEBSITES AND LINKS

Our website may contain links to third-party websites, platforms or services that are not operated or controlled by Debtkart. This Privacy Policy does not apply to those third-party sites. We encourage you to review the privacy policies of such third parties before providing any personal information to them.

Debtkart is not responsible for the content, security or privacy practices of any third-party websites or services.

14. INTERNATIONAL TRANSFERS

In some cases, your information may be stored or processed on servers located outside the jurisdiction from which it was collected, including outside India. In such situations, we will take reasonable steps to ensure that the recipient jurisdiction provides an adequate level of data protection or that appropriate safeguards (such as contractual protections) are in place, to the extent required by applicable law.

15. NO LOAN OR CREDIT OFFERING

Debtkart is not a lender, bank, NBFC or digital lending platform. We do not provide loans, credit facilities or any kind of financing. Any financial information you share with us is used solely for the purpose of providing legal, settlement and advisory services and for interacting with your existing or past lenders and counterparties as authorised by you.

16. CHANGES TO THIS PRIVACY POLICY

We may update or modify this Privacy Policy from time to time to reflect changes in law, technology, our services or internal practices. The updated version will be posted on our website with a revised “Last updated” date.

You are encouraged to review this page periodically. Your continued use of our website or services after any changes are made will be deemed as your acceptance of the updated Privacy Policy.

17. CONTACT AND GRIEVANCE REDRESSAL

If you have any questions, concerns, requests or complaints regarding this Privacy Policy or our handling of your personal information, you may contact us at:

Registered Office
Settlend Legal Advisors LLP T/A “Debtkart”
59, Diamond Harbour Road,
Ekbalpur, Khidirpur, Kolkata,
West Bengal – 700023, India

Email: info@debtkart.in
Phone: +91-6293629300

Development Office
Regus, 3rd Floor, Tower-A, Unitech Cyber Park,
Durga Colony, Sector 39, Gurugram,
Haryana – 122003, India

Email: info@debtkart.in
Phone: +91-6293889388

We may designate a Grievance Officer or Data Protection contact as required by law, and publish their details on this page or elsewhere on our website. Any complaints or requests addressed to the Grievance Officer will be acknowledged and dealt with in accordance with applicable law.