Privacy Policy

1. Introduction

DebtFree Panel respects the privacy of individuals who visit its website, submit enquiries or communicate with the organisation through available contact channels.

This Privacy Policy describes the general manner in which information may be collected, used, stored and handled when you interact with our website or services.

2. Information We May Collect

Depending on how you interact with the website, we may receive information such as:

• Full name
• Mobile or WhatsApp number
• Email address
• City and state
• Type of debt
• Bank, NBFC or lender information
• Approximate outstanding amount
• Approximate EMI or repayment information
• General information regarding recovery communication or legal notices
• Other information voluntarily provided in an enquiry or consultation request

3. Information You Should Not Submit

For your security, please do not submit sensitive authentication information through general website forms or ordinary communication channels.

4. How Information May Be Used

Information provided by you may be used for purposes including:

• Responding to your enquiry
• Understanding the general nature of your case
• Discussing potentially relevant services
• Communicating regarding consultation requests
• Providing information requested by you
• Improving website functionality and user experience
• Maintaining records relating to enquiries and communications

5. Debt-Related Information

If you voluntarily provide information regarding loans, credit cards, outstanding amounts, recovery activity or legal notices, such information may be reviewed for the purpose of understanding your enquiry and discussing possible next steps.

Providing information does not automatically mean that any particular debt resolution, settlement, restructuring or legal outcome will be available.

6. Communication

If you submit an enquiry, you may be contacted using the details provided by you, including through phone, email or WhatsApp, depending on your preferred communication method and the nature of your enquiry.

You may request that future non-essential communications be stopped, subject to applicable requirements and ongoing service-related communications.

7. Sharing of Information

DebtFree Panel does not intend to sell personal information as a commercial product.

Information may, where appropriate and necessary, be shared with authorised personnel, professional advisers, technology/service providers or other parties involved in handling an enquiry or providing requested assistance, subject to applicable requirements.

8. Legal and Regulatory Requirements

Information may be disclosed where reasonably required to comply with applicable law, legal process, regulatory requirements, court directions or to protect legal rights and legitimate interests.

9. Data Security

Reasonable measures may be used to protect information against unauthorised access, misuse, alteration or disclosure.

However, no internet transmission or electronic storage system can be guaranteed to be completely secure.

10. Cookies and Website Technologies

The website may use cookies or similar technologies where required for functionality, analytics, security or user experience.

Please refer to our Cookie Policy for additional information.

11. Third-Party Services

The website may use third-party services such as hosting, analytics, communication tools, maps or other technology providers.

Such third-party services may process information according to their own terms and privacy policies.

12. External Links

Our website may contain links to external websites or platforms. DebtFree Panel is not responsible for the privacy practices or content of third-party websites.

13. Data Retention

Information may be retained for as long as reasonably necessary for the purposes for which it was collected, including enquiry management, service administration, legal requirements and record keeping.

14. Your Requests

Depending on applicable law, you may contact us regarding questions or requests concerning personal information provided through the website.

Requests may be reviewed and handled subject to applicable legal, regulatory and operational requirements.

15. Children's Privacy

Our services and website are not intended to be directed specifically toward children. We do not knowingly seek to collect personal information from children through general enquiry forms.

16. Changes to This Policy

This Privacy Policy may be updated from time to time to reflect changes in our website, services, practices or applicable requirements.

The updated version will be published on this page with a revised date where appropriate.

17. Contact Us

If you have questions regarding this Privacy Policy or information submitted through the website, you may contact DebtFree Panel through the Contact Us page.