Please read these Terms & Conditions carefully as they govern your relationship with SettleXpert. By utilizing our advisory, legal documentation support, and negotiation services, you agree to comply with and be bound by these Terms. If you disagree with any part of these terms, please do not access our services.
1. Services Offered
SettleXpert provides credit counseling, loan restructuring representations, legal notice responses, and creditor negotiation assistance. Our role is strictly advisory and representative in nature. We work to guide you toward loan settlement and financial stability through structured negotiation and ethical advisory practices.
Regulatory Status & Informational Disclosures: RBI references on this website and in our advisory materials are provided strictly for general informational and educational purposes. SettleXpert is an independent private consultancy and is not an RBI-approved, RBI-authorised, RBI-registered, or RBI-affiliated entity. SettleXpert does not guarantee loan settlement approval, debt reduction percentages, or credit score improvements, as all settlement decisions rest exclusively with the creditor institutions under their board-approved policies.
2. Payment and Consultation Fees
All service parameters, milestone rates, and advisory retainers are mutually agreed upon in writing before the execution of the services. Payments must be processed through our authorized secure payment gateway channels. Cash payments to individual collection agents or advisors are strictly prohibited.
warning Strict No-Refund Policy
SettleXpert operates under a strict NO REFUND policy for all payments made toward professional consultation, credit analysis, documentation drafting, and representation services. Once advisory services have commenced or custom files are compiled, fees are 100% non-refundable under any circumstances. While SettleXpert negotiates in good faith, the final sanction of any One-Time Settlement (OTS) or restructuring plan remains solely at the discretion of the lender bank.
3. Professional Representation Limitations
While SettleXpert assists borrowers in drafting formal representations to lenders to address recovery-related concerns and request compromise settlements, the borrower understands that:
- We do not guarantee specific settlement waiver percentages, as bank credit committees evaluate proposals case-by-case.
- We do not clear legitimate CIBIL defaults or settled tags from credit history, as these tags are mandated by credit bureau reporting frameworks.
- We do not assume personal liability for the borrower's debt obligations. The legal responsibility to pay the settled OTS amount remains solely with the primary borrower.
4. Accuracy of Information
The borrower must provide accurate and complete financial details, income records, and bank notice copies. SettleXpert is not responsible for any adverse decisions or legal escalations resulting from incomplete or falsified information provided by the client.
5. Limitation of Liability
In no event shall SettleXpert, its advisors, or directors be liable for any indirect, special, incidental, or consequential damages (including legal penalties, CIBIL score reductions, or bank court filings) arising out of the borrower's defaults or use of our services.
6. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in New Delhi, India.
7. Contact Us
If you have any questions or require clarification regarding these Terms & Conditions or our Refund Policy, please contact us at:
Email: info@settlexpert.com
Phone: +91 89292 23949