By interacting with us, you acknowledge that you have read, understood, and agreed to this Privacy Policy.
We act as an authorized recovery and servicing partner to banks, NBFCs, financial institutions, and credit providers. Our services include debt collection, loan servicing, skip tracing, contact verification, field visits, settlement facilitation, and legal coordination.
We may collect personal data such as name, phone number, email, address, identification details, employment information, and financial data. We may also receive information from lenders, credit bureaus, public databases, and references. The borrower/customer is deemed to have consented to such sharing with authorized agents of the lender.
We process data based on contractual necessity, legal obligations, legitimate business interests, and consent where applicable under the Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000.
By sharing contact details, you expressly consent to receive communications via phone calls, WhatsApp Business API, cloud telephony, SMS, email, and prerecorded messages. Electronic communication shall constitute valid legal notice. Such communication shall not be considered harassment when conducted for legitimate business purposes.
Calls and electronic communications may be recorded and stored for compliance, dispute resolution, fraud prevention, legal proceedings, and training purposes.
If a borrower becomes unreachable, we may contact references, employers, co-applicants, guarantors, and alternate contacts strictly to locate the concerned individual. Reasonable efforts to locate a borrower shall not be construed as an invasion of privacy.
Authorized representatives may visit the last known address for verification, notice delivery, and repayment discussions.
We may use trusted vendors for messaging platforms, cloud telephony, hosting, analytics, and payment facilitation. These providers are contractually obligated to protect your data.
We implement reasonable technical and organizational safeguards; however, absolute security cannot be guaranteed.
Data is retained only as long as necessary for contractual, legal, and regulatory purposes, and may be retained after account closure where required by law.
You may request access, correction, or erasure of your data where legally permissible. Certain requests may be limited where processing is necessary for legal enforcement.
Failure to respond does not invalidate notices or restrict further recovery action. Digital records may serve as legal proof of contact.
We are not responsible for incorrect data provided by lenders, telecom failures, or unauthorized access beyond our control.
Communication for legitimate recovery purposes shall not be construed as harassment when conducted lawfully.
We are not liable for actions of individuals falsely claiming to represent us or for payments made outside official channels.
Payments must be made only through approved channels. We are not responsible for losses due to fraudelent payment instructions.
Where permitted by law, digital platforms may be used solely for legitimate recovery purposes and shall not be considered a privacy breach.
Reasonable efforts to establish contact shall not be interpreted as public disclosure of debt.
We reserve the right to pursue legal remedies against knowingly false or malicious complaints.
We maintain detailed records to demonstrate compliance with applicable laws.
Any interaction undertaken for debt recovery shall be presumed to be conducted in good faith and within lawful authority unless proven otherwise.
In the event of a conflict between borrower preferences and our legal obligations toward the lender, the latter shall prevail to the extent permitted by law.
We may modify this Privacy Policy at any time. Continued use of our services constitutes acceptance of the updated policy.