Privacy Protection & Dispute Resolution

Your financial details stay yours. Your disputes get taken seriously.

From how we handle your documents to how we push back when something's been reported wrong, this is where we lay out exactly what protection you're getting, not just for your debt, but for your data and your right to be heard.

Encrypted document handling
No data sold or shared
Disputes tracked to resolution
Data Privacy

How we actually handle your information.

This isn't a policy buried in fine print, it's how we operate day to day.

Encrypted from upload to storage

Documents you share with us, statements, notices, ID proof, are encrypted in transit and at rest, not left sitting in an open inbox.

Access limited to your case team

Only the advisors actually working your case can see your file, not a general pool of staff across the company.

No third-party sharing

Your details go to your lender for negotiation purposes only, never to marketing lists or unrelated third parties.

You can request deletion

Once your case is closed, you can ask us to purge records we're not legally required to retain.

Padlock on a keyboard representing data privacy and security
Built In, Not Bolted On

Privacy isn't an afterthought here.

From encrypted uploads to strict access controls, protecting your information is part of how we operate every single day, not just a policy page nobody reads.

Dispute Resolution

Common disputes we help you raise.

Not every issue is about negotiating a settlement, sometimes it's about correcting something that's simply wrong.

CIBIL
Incorrect reporting on your credit fileA debt marked as unpaid when it's actually settled, or the wrong amount showing against an account.
Charges
Unauthorized or unexplained chargesFees or interest added to your account that you don't recognise or weren't disclosed upfront.
Conduct
Recovery agent misconductHarassment, threats, or contact that breaches RBI's Fair Practices Code.
Ownership
A debt that isn't actually yoursCases of mistaken identity, fraud, or a debt that's already been paid but is still being pursued.
Escalation Path

If a dispute isn't resolved, here's what's next.

Step 1

Lender's grievance cell

Every regulated lender has an internal grievance officer. We help you file a clear, documented complaint here first.

Step 2

RBI Banking Ombudsman

If the lender doesn't resolve it within 30 days, it can be escalated to the Banking Ombudsman for an independent review.

Step 3

Consumer forum

For unresolved financial harm, a formal consumer complaint is the next avenue, and we can point you toward the right process.

Your Data Rights

What you're entitled to ask for.

Right to know

You can ask exactly what information we hold about your case and why.

Right to correction

If something in your file is wrong, you can request it be corrected, not just noted.

Right to withdraw consent

You can stop working with us at any point, and we'll stop processing new data accordingly.

Right to confidentiality

Your case details stay between you and your case team, not shared beyond what's needed.

FAQ

Privacy and disputes, answered honestly.

What happens to my data once my case is closed?
We retain only what's needed for legal and record-keeping purposes. You can request deletion of anything beyond that once your case is complete.
Can I dispute an incorrect entry on my CIBIL report?
Yes. Credit bureaus have a formal correction process, and if a settled account is showing incorrectly, we can help you raise the dispute with the right documentation.
Is my information shared with recovery agents?
Only what's necessary for the negotiation itself goes to your lender. We don't pass your details to third-party recovery agents beyond that.
How long does escalating to the Banking Ombudsman take?
It varies, but the lender is generally expected to respond within 30 days before a case can even be escalated, so the full process often takes several weeks.
What if I think a debt being pursued isn't actually mine?
Flag it with us immediately. Mistaken identity and fraud cases need a different approach than settlement, and we'll guide you through disputing it properly.

Have a privacy concern or a dispute to raise?

Tell us what's going on and we'll walk you through the right next step, no obligation, no cost to find out.

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