1. Introduction
These Terms & Conditions govern your access to and use of the DebtFree Panel website and the services, information and communication facilities made available through it.
By accessing this website, submitting an enquiry or requesting services from DebtFree Panel, you acknowledge that you have read and understood these Terms & Conditions and agree to be bound by them.
2. About DebtFree Panel
DebtFree Panel provides debt resolution guidance, financial advisory support and assistance relating to certain debt and recovery situations.
Depending on the circumstances of a matter, professional legal assistance may also be provided or coordinated where appropriate.
DebtFree Panel is not a bank, NBFC, lender, government authority or credit-rating agency. Services are subject to individual assessment, applicable law and relevant lender or creditor policies.
3. Eligibility
You must provide accurate information and have the legal capacity required to enter into any agreement for services.
If you are submitting information on behalf of another person or organisation, you represent that you are authorised to do so.
4. Nature of Information Provided
Information published on this website is intended for general educational and informational purposes. It should not automatically be treated as legal, financial or professional advice specific to your individual circumstances.
Any recommendation or strategy may depend upon information provided by you, the nature of the debt, lender policies, applicable law and other circumstances of the matter.
5. No Guarantee of Settlement or Outcome
Submission of an enquiry does not guarantee that your debt will be settled, reduced, restructured or otherwise resolved.
No particular settlement amount, reduction, timeline, credit-score outcome or legal result is guaranteed.
Any illustrative calculator, example or estimate displayed on the website is for general information only and does not constitute a promise of savings or settlement.
6. Client Information
You agree to provide information that is accurate, complete and reasonably up to date.
You should inform us if any important information relating to your debt, repayment history, legal proceedings, lender communication or financial circumstances changes.
DebtFree Panel shall not be responsible for consequences arising from false, incomplete, misleading or outdated information supplied by you.
7. Service Engagement
An enquiry or consultation request does not by itself create a professional engagement.
Where services are agreed, the applicable scope of work, fees, responsibilities and other terms may be recorded in a separate service agreement or engagement document.
You should review such documents carefully before accepting or signing them.
8. Fees and Payments
Applicable service fees, taxes and payment terms, where relevant, will be communicated separately.
Fees may vary depending on the nature and complexity of the services required.
Any refund or cancellation request will be handled according to the applicable Refund / Cancellation Policy and the terms of the relevant engagement.
9. Client Responsibilities
Clients are responsible for providing documents and information reasonably required for their matter and for cooperating with the agreed process.
- Provide truthful and complete information.
- Provide requested documents within reasonable timelines.
- Review communications and documents carefully.
- Inform us about notices, proceedings or material changes affecting the matter.
- Make payments directly to lenders or other parties where required and instructed.
10. Lender and Creditor Decisions
Banks, NBFCs, credit-card issuers, digital lenders, recovery agencies and other creditors may make independent decisions regarding repayment, settlement, restructuring, legal action or other recovery measures.
DebtFree Panel cannot control or guarantee the decision of any third party.
11. Legal Matters
Certain matters may require advice, representation or assistance from a qualified legal professional.
Where legal proceedings, notices, arbitration, cheque-bounce matters or other formal legal issues are involved, the appropriate professional and scope of assistance will depend on the circumstances of the case.
12. Website Availability
We aim to keep the website available and functional, but we do not guarantee uninterrupted, error-free or continuous availability.
Website functionality may occasionally be affected by maintenance, technical issues, hosting problems, internet connectivity or circumstances outside our reasonable control.
13. Intellectual Property
Unless otherwise stated, the content, branding, graphics, design, text and other materials appearing on this website belong to or are used lawfully by DebtFree Panel and may be protected by applicable intellectual-property laws.
You may not reproduce, copy, modify, distribute or commercially exploit website content without appropriate permission.
14. Prohibited Use
You must not use this website for unlawful, fraudulent, abusive or misleading purposes.
You must also not attempt to interfere with the website, its security, servers, systems or other users.
15. Third-Party Links
The website may contain links or references to third-party websites or services.
Such third-party websites operate independently, and DebtFree Panel is not responsible for their content, policies, availability or practices.
16. Limitation of Liability
To the extent permitted by applicable law, DebtFree Panel shall not be responsible for indirect, incidental or consequential losses arising from the use of the website or reliance upon general information published on it.
Nothing in these Terms is intended to exclude or limit liability that cannot lawfully be excluded or limited.
17. Privacy
Personal information submitted through this website is handled in accordance with our Privacy Policy .
18. Changes to These Terms
DebtFree Panel may update these Terms & Conditions from time to time to reflect changes in services, legal requirements or website functionality.
The updated version will be published on this page with a revised update date.
19. Governing Law
These Terms shall be interpreted in accordance with the applicable laws of India, subject to the jurisdiction and legal framework applicable to the relevant matter.
20. Contact
If you have questions regarding these Terms & Conditions, you may contact DebtFree Panel through the contact details provided on our Contact Us page.
These Terms & Conditions are intended to explain the general framework for using the website and requesting services. A separate written agreement may contain additional terms specific to an individual client engagement.