Terms and Conditions

Last Updated: 10 September 2026

Welcome to Settlement Loans. By accessing or using our website and services — including personal loan settlement, business loan settlement, loan restructuring, and credit card debt settlement/credit score improvement — you agree to be bound by the following Terms and Conditions.

1. Nature of Services

Settlement Loans provides advisory and negotiation support services to help individuals and businesses communicate with lenders (banks/NBFCs) regarding loan settlement, restructuring, or debt resolution. We are not a bank, NBFC, or lending institution, and we do not guarantee any specific outcome from negotiations with your lender.

2. No Guarantee of Outcome

While we work diligently on your behalf, final settlement, restructuring approval, or debt resolution terms are entirely at the discretion of your lender/bank/NBFC. We do not guarantee:

• A specific settlement amount or percentage reduction
• Approval of any restructuring request
• Any specific timeline for resolution
• Improvement in credit score by a specific amount or within a specific timeframe

3. Client Responsibilities

By engaging our services, you agree to:

• Provide accurate and complete information about your financial situation and existing loans
• Respond promptly to requests for documentation
• Not misrepresent your income, assets, or hardship circumstances
• Make agreed payments to lenders on time once a settlement/restructuring is finalized

4. Fees

Consultation fees and service fees are communicated to clients before engagement. Fees are charged based on the scope of the case and the stage of settlement. Refund policies are discussed on a case-by-case basis.

5. No Legal or Financial Advisory Relationship

Our services are advisory in nature and do not constitute legal advice, financial advice, or a fiduciary relationship. For legal or tax implications of loan settlement, we recommend consulting a qualified professional.

6. Impact on Credit Score

You acknowledge that loan settlement (as opposed to full repayment) may negatively impact your credit report and score, as accounts are typically marked “Settled” rather than “Closed.” This is a standard outcome of the settlement process across the industry, not a result of any failure on our part.

7. Limitation of Liability

To the maximum extent permitted by law, Settlement Loans shall not be liable for:

• Any indirect, incidental, or consequential damages arising from use of our services
• Actions taken independently by lenders/banks during or after negotiation
• Delays caused by third parties, including banks, NBFCs, or credit bureaus

8. Confidentiality

We treat all client financial information as confidential and will only share it with lenders or third parties as necessary to provide the agreed services, or as required by law.

9. Termination of Services

Either party may terminate the engagement at any time by written notice. Fees already incurred for work completed up to the termination date remain payable, as applicable.

10. Governing Law

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Noida, Uttar Pradesh.

11. Changes to Terms

We reserve the right to update these Terms and Conditions at any time. Continued use of our services after changes constitutes acceptance of the revised terms.

12. Contact Us

For questions about these Terms, contact:

Settlement Loans
K Block, Pocket E, Sector 18 Noida, UP-201301
Email: infosettlementloans@gmail.com
Phone: +91 70426 43891