Terms of Service

Nature of Services

LoanSettlementAgency.com provides information, consultation support, documentation assistance and borrower-side guidance in matters related to loan settlement, OTS request, waiver request, legal notice reply, Lok Adalat notice reply, bank or NBFC recovery communication, recovery harassment complaints and related financial distress matters.

Information available on the website is general in nature and should not be treated as a guarantee of settlement, waiver, CIBIL correction, loan closure, legal outcome or any specific result. Every matter depends on the facts, documents, lender policy, account status, applicable law and discretion of the concerned bank, NBFC, financial institution, authority or court/forum.

No Guaranteed Settlement or Outcome

Loan settlement, waiver of interest, waiver of penalty, acceptance of OTS proposal, restructuring, time extension, NOC issuance and CIBIL reporting are decisions that usually rest with the lender or concerned authority. We do not promise, assure or guarantee that any lender will accept a reduced amount, stop recovery, issue NOC, remove CIBIL impact or close the account in a specific manner.

Any estimated possibility discussed during consultation is only an opinion based on available facts and should not be treated as a binding assurance.

User Responsibility

You agree to provide accurate, complete and truthful information. You must not submit false documents, forged settlement letters, incorrect payment claims, misleading screenshots, fabricated harassment allegations or incomplete facts. You remain responsible for the accuracy of the information provided by you.

You should not share passwords, OTPs, card PINs, net banking credentials or any unnecessary sensitive credential with us or through any website form.

Consultation and Engagement

Submitting a query through the website does not automatically create an advocate-client relationship, professional engagement, legal representation or obligation to act. Any professional service begins only after case acceptance, required document review, fee confirmation, scope confirmation and mutual understanding of work to be performed.

We may decline any matter at our discretion, including cases involving false facts, illegal requests, abusive conduct, conflict of interest, incomplete documents, non-payment of professional charges or matters outside our service scope.

Payments and Fees

Where paid services are offered, professional charges, consultation fees, drafting charges or related service fees will be communicated separately. Fees once paid may be subject to the refund terms agreed for that specific service, if any. Payment of fee does not guarantee a particular settlement or legal outcome.

Website Content

All content on this website is provided for general awareness and service information. We try to keep content accurate and updated, but we do not warrant that every page will always be free from typographical errors, omissions, outdated references or technical issues. Users should obtain case-specific advice before acting on any information.

Intellectual Property

All website content, layout, text, branding, service descriptions, graphics and materials are owned by or licensed to LoanSettlementAgency.com unless otherwise stated. You must not copy, reproduce, republish, scrape, distribute, modify or commercially use website content without written permission.

Prohibited Use

You must not use this website for unlawful activities, false complaints, harassment, spam submissions, data scraping, uploading malicious files, attempting unauthorised access, impersonation, misleading claims or any activity that may harm the website, users, lenders, professionals or third parties.

Third-Party Services and Links

The website may link to WhatsApp, email, payment gateways, social media platforms, government portals, lender portals or third-party services. We are not responsible for the terms, policies, actions, downtime, content or security practices of such third-party platforms.

Limitation of Liability

To the maximum extent permitted by law, LoanSettlementAgency.com, its owners, team members, consultants and associated professionals shall not be liable for indirect, incidental, consequential or special loss arising from use of the website, reliance on general information, lender rejection, CIBIL impact, recovery action, legal proceedings, third-party conduct or user-provided inaccurate information.

Changes to Terms

We may update these Terms of Service from time to time. Continued use of the website after updates means that you accept the revised terms.

Governing Law

These terms shall be governed by the laws of India. Subject to applicable law, disputes relating to this website or services shall be subject to the jurisdiction of competent courts/forums in India.