1Accepting These Terms

By visiting this website or using our services, you confirm that you have read and understood these Terms and agree to follow them. You should also read our Privacy Policy, which explains how we handle your information.

If you do not agree with any part of these Terms, please do not use our website or services.

2About Our Service

Settle Payday provides guidance and general information about loan settlement and repayment options.

• We are not a bank, lender or NBFC, and we do not claim to be linked to one unless a genuine, verifiable relationship exists
• We do not provide loans
• We do not guarantee any settlement, reduction in dues, approval or other result, because these depend on your lender and your own situation
• Nothing on this website is legal or financial advice. Please speak to a qualified professional before making financial decisions

3Using the Website

• Use the website only for lawful purposes
• Follow these Terms and our Privacy Policy
• You are responsible for your own device, software and internet connection, and for any charges they involve
• We try to keep the website available, but we cannot promise it will always work without interruption or errors
• We may change, pause or remove any part of the website or its content at any time
• We may block access for anyone who breaks these Terms

4What Is Not Allowed

When using our website, you must not:

• Abuse, harass, threaten or harm other people
• Post or send unlawful, offensive, false or misleading material
• Upload viruses, harmful code or anything that could damage our systems or other users
• Try to hack, reverse engineer, scrape or tamper with the website or its code
• Send spam or use the website to advertise or sell anything
• Pretend to be someone else or give false details about yourself
• Copy or reuse our content without our written permission

5Your Information

The guidance we give depends on what you tell us. Please share accurate and complete information, and let us know if anything changes. We are not responsible for problems caused by incorrect or missing details.

6Fees & Payments

If any of our services carries a fee, we will tell you the amount before you pay. We start a paid service only after you have agreed to the fee and made the payment. Any fee terms, including refunds, will be explained at that time.

7Our Content

The text, design, logo, graphics and other material on this website belong to Settle Payday or its licensors and are protected by law. You may view them for your personal use, but you may not copy, sell or republish them without our written permission.

8Third-Party Links

Our website may link to other websites or services. We do not control them and are not responsible for their content or practices. Using them is at your own risk.

9Limit of Liability

To the fullest extent allowed by law, Settle Payday is not liable for any loss or damage, whether direct or indirect, including loss of profit, data, goodwill or opportunity, that arises from:

• Using, or being unable to use, our website or services
• Decisions you make based on the information or guidance we provide
• A lender's or other third party's actions, decisions or statements
• Unauthorised access to your data, despite our reasonable safeguards
• Errors, delays or interruptions on the website

10Indemnity

You agree to protect Settle Payday, its owners, team members and partners against any claim, loss or expense (including reasonable legal costs) that a third party brings because you broke these Terms, broke the law, or violated someone else's rights.

11Complaints

If you are unhappy with our service, please write to us first so that we can look into it and try to put things right.

• Step 1: Email our support team at support@yourdomain.com with the details of your concern
• Step 2: If you do not receive a satisfactory reply, escalate to escalation@yourdomain.com

12Resolving Disputes

• Both sides should first try to settle the matter through the complaint steps in Section 11
• If that does not work, the party raising the dispute should send a written notice describing the issue
• The other party should reply within 30 days of receiving it
• If it is still unresolved, the dispute may be referred to arbitration under the Arbitration and Conciliation Act, 1996, with a sole arbitrator and the seat in Delhi, or taken to the courts in Delhi
• An arbitrator's decision will be final and binding on both sides

13Governing Law

These Terms are governed by the laws of India. Subject to Section 12, the courts at Delhi will have jurisdiction over any dispute.

14Changes to Terms

We may update these Terms from time to time. The latest version will always be on this page with its date. Continuing to use the website or our services after a change means you accept the updated Terms.

15Contact Us