1What You Share With Us

Your contact details

• Your name
• Phone number
• Email address
• Your address, if needed

Your financial details

• Which loans or dues you have, and the lender names
• Amounts you currently owe
• Your income and monthly expenses
• Your repayment history
• Any documents you choose to upload

You decide what to share. The more accurate your details, the more useful our guidance can be.

2How We Use It

We use your details only to:

• Explain loan settlement and repayment options that may suit your situation
• Help you understand your income, expenses and what you owe
• Help you get ready to speak with your lenders
• Reply to your questions and keep in touch about our service
• Meet our legal duties and handle any disputes
• Make our website and service better

3Sharing With Lenders

We do not pass your details to any bank, lender or collection agency on our own. We do so only when you ask us to, or give us clear permission for a specific purpose.

You can take back that permission at any time, as explained in Section 10.

4Other Sharing

Apart from Section 3, your information may be seen only by:

• Trusted providers that help us run the business, such as website hosting, email, messaging and payment services, who must keep it confidential
• Professional advisors, such as lawyers, when we need their help
• Government or regulatory bodies, if the law requires us to share it

5Keeping Your Data Safe

We take sensible steps to protect your information, such as restricting who in our team can access it and using secure systems.

Still, nothing on the internet is completely risk-free, and we cannot promise absolute security.

6How Long We Keep It

We keep your information only for as long as we need it to help you, to follow the law, and to keep proper records in case of a dispute. After that, we delete it or store it securely in an archive.

7Keeping Details Accurate

Please give us correct and complete information, keep any login details private, and let us know if your phone number, address or financial situation changes. We cannot be held responsible for problems that come from wrong or missing information.

8What We Do Not Promise

Settle Payday offers guidance and information. What happens next depends on your lender and your own circumstances.

• We cannot promise any settlement, lower amount, timeline, credit score change or legal result
• We do not give loans
• We are not a bank, lender or NBFC, and we do not say we are linked to one
• Our guidance is not legal or financial advice, so please speak to a qualified professional before you decide

9Cookies

Like most websites, ours may use cookies, which are small files stored on your device. They help the site work properly and show us how visitors use it. You can block or delete cookies in your browser settings, though parts of the site may then work less smoothly.

10Your Choices & Rights

Subject to applicable law, you can write to us to:

• Ask what information we hold about you
• Ask us to fix anything that is wrong or out of date
• Take back your permission for us to use your information
• Ask us to delete your information, unless we must keep it by law

11Governing Law

This policy follows the laws of India, including the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023, as they apply from time to time. Courts in India will have jurisdiction over any dispute.

12Changes to This Policy

We may update this policy as our service or the law changes. The latest version will always be on this page with its date. If you keep using our website or service after an update, it means you accept the changes.

13Contact Us