1. By accessing and using the website www.debtkart.in and/or availing services offered by Settlend Legal Advisors LLP trading as Debtkart, the user agrees to be legally bound by these Terms and Conditions, along with all applicable policies and disclaimers. If the user does not agree, they must discontinue usage immediately.

2. Debtkart is a borrower-support and legal advisory platform providing assistance in debt resolution, loan settlement facilitation, restructuring, legal notices, alternative dispute resolution (ADR), and protection against unlawful recovery practices. It does not function as a bank, NBFC, lender, or financial institution.

3. The services provided are advisory, strategic, and facilitative in nature. Engagement with Debtkart does not guarantee any specific outcome including settlement, waiver, restructuring, credit score improvement, or withdrawal of legal action.

4. The user/client shall provide complete, accurate, and truthful information, including all documents and disclosures required for assessment and handling of the matter. Debtkart shall not be liable for consequences arising out of misrepresentation, suppression of facts, or delay in providing information.

5. The scope of services shall be strictly limited to what is expressly agreed between Debtkart and the client. Any services not expressly included shall be deemed excluded.

6. Debtkart does not create any banker-customer relationship and does not provide loans, accept deposits, or act as a recovery agent.

7. Any reference to banks, NBFCs, lenders, or financial institutions on the website, including names, logos, trademarks, or brand identifiers, is used strictly for educational, informational, and representational purposes only. Such use does not imply any endorsement, affiliation, partnership, or authorization. All such intellectual property belongs to their respective owners.

8. All content on the website is intended solely for general informational and educational purposes and shall not be construed as legal advice or as creating any advocate-client relationship unless a formal engagement is executed.

9. All fees payable shall be governed by the applicable service plan, proposal, or communication. Payments must be made within the stipulated timelines and through approved modes.

10. In case of installment-based or scheduled payment arrangements, failure of two consecutive payments or two scheduled payments (whether due to dishonour, non-payment, or otherwise) shall result in automatic revocation and termination of the contract. Debtkart shall have the right to immediately suspend all services without further obligation and recover outstanding dues.

11. Unless expressly agreed otherwise in writing, all fees paid are non-refundable once services have commenced, including consultation, document review, drafting, or communication.

12. Any settlement amount, restructuring payment, or dues payable to lenders shall remain the sole responsibility of the client unless expressly agreed otherwise in writing. Debtkart shall not be liable for non-payment or inability of the client to fulfill such obligations.

13. The user shall not use the website or services for any unlawful, fraudulent, abusive, defamatory, or unethical purpose. Misuse of Debtkart’s services or identity shall result in termination and may attract legal action.

14. All website content including text, structure, design, layout, graphics, branding, and materials is the intellectual property of Debtkart and is protected under applicable copyright and intellectual property laws.

15. No content from the website may be copied, reproduced, distributed, modified, or commercially exploited without prior written permission. Unauthorized use shall constitute infringement and may lead to legal action.

16. Third-party trademarks, logos, and brand references displayed on the website remain the property of their respective owners and are used solely for representational purposes.

17. By submitting contact details or using the website, the user consents to receive communications via phone, email, SMS, WhatsApp, or other channels for service-related purposes.

18. Debtkart does not warrant that the website content will always be accurate, complete, or up to date and reserves the right to modify or remove content without prior notice.

19. Debtkart shall not be liable for any indirect, incidental, or consequential loss arising from use of the website, reliance on content, failure of negotiations, or third-party actions.

20. Debtkart reserves the right to suspend, refuse, or terminate services in cases of non-payment, non-cooperation, misrepresentation, abuse, or any conduct deemed inappropriate or unlawful.

21. Client information shall be handled with reasonable confidentiality; however, disclosure may be made where required by law or necessary for handling the matter.

22. The website may contain links to third-party platforms. Debtkart shall not be responsible for their content, privacy practices, or functionality.

23. Debtkart reserves the right to amend or update these Terms and Conditions at any time. Continued use of the website shall constitute acceptance of such revisions.

24. These Terms and Conditions shall be governed by and construed in accordance with the laws of India. All disputes, claims, or differences arising out of or in connection with the use of the website, services, or engagement with Debtkart, including any contractual or non-contractual obligations, shall be subject to the exclusive jurisdiction of the competent courts at Kolkata, West Bengal. The user expressly agrees that no other court shall have jurisdiction in such matters.

25. Submission of an enquiry or communication through the website does not create a binding professional relationship. A formal engagement shall arise only upon acceptance and completion of onboarding requirements.

26. These Terms and Conditions, along with the Privacy Policy, Disclaimer, and any specific engagement terms, constitute the entire understanding governing the use of the website and services.

27. The parties expressly agree that the place of performance, cause of action, and principal place of business of Debtkart shall be deemed to be Kolkata, West Bengal, and accordingly, the courts at Kolkata alone shall have exclusive jurisdiction over all disputes.