1. Information We Collect

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We may collect information that you voluntarily provide to us through forms, calls, emails, WhatsApp, registration processes, or while availing our services, including:

• Name and contact details;

• Email address and telephone/mobile number;

• Address and basic identification information;

• Financial information relevant to the services requested;

• Details of loans, credit cards, creditors, outstanding amounts, and related accounts;

• Documents and communications provided by you;

• Payment and transaction information; and

• Any other information necessary to provide the requested services.

Payment transactions may be processed through third-party payment gateway providers. SettleX does not ordinarily store complete debit/credit card details on its own servers.

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2. Automatically Collected Information

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When you visit our Website, certain non-personal information may be collected automatically, including:

• IP address;

• Browser and device type;

• Operating system;

• Language and time-zone preferences;

• Screen size;

• Referring and exit pages; and

• Website usage information.

This information may be used to improve Website performance, security, functionality, and user experience.

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3. How We Use Your Information

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We may use the information collected to:

• Provide and manage our consultancy and related services;

• Understand your requirements and financial circumstances;

• Communicate with you regarding your account or services;

• Communicate with creditors or other relevant parties where authorised or necessary for providing the services;

• Respond to enquiries, requests, and grievances;

• Process payments and maintain transaction records;

• Provide service-related updates;

• Improve our Website and services;

• Prevent fraud, misuse, or unauthorised activity;

• Comply with applicable legal and regulatory requirements; and

• Send promotional or marketing communications, where permitted and subject to your preferences.

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4. Sharing of Information

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We may share your information where reasonably necessary for providing the requested services, including with:

• Creditors, lenders, banks, financial institutions, and collection agencies, where authorised;

• Lawyers, professional advisers, or service providers engaged for providing relevant assistance;

• Payment gateway and technology service providers;

• Affiliates or associated entities, where applicable;

• Government authorities, courts, law-enforcement agencies, or regulators where required by law; and

• Other third parties where disclosure is necessary to protect our rights, users, property, or security.

We do not sell your personal information as a product to third parties.

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5. Cookies

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Our Website may use cookies and similar technologies to improve functionality, analyse Website usage, remember preferences, and support certain services.

You may control or disable cookies through your browser settings. Disabling cookies may affect certain Website features.

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6. Data Security

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SettleX takes reasonable technical and organisational measures to protect personal information against unauthorised access, misuse, alteration, disclosure, or destruction.

We may use appropriate security measures, including access controls and encryption where appropriate.

However, no electronic transmission or storage system can be guaranteed to be completely secure. Accordingly, information transmitted electronically is provided at your own risk.

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7. Third-Party Websites

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Our Website may contain links to third-party websites or services.

SettleX does not control the privacy practices, security, or content of such third-party websites. Users are advised to review the privacy policies of those websites before providing personal information.

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8. Data Retention

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We may retain personal information for as long as reasonably necessary to provide services, maintain business and transaction records, resolve disputes, comply with legal obligations, and protect our legitimate interests.

When information is no longer required, it may be deleted, anonymised, or securely disposed of in accordance with applicable requirements.

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9. Your Rights and Choices

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Subject to applicable law, you may contact us to:

• Request information regarding personal data held by us;

• Request correction of inaccurate or incomplete information;

• Raise concerns regarding the use of your personal information;

• Withdraw consent where processing is based on consent, subject to applicable limitations; or

• Request deletion of information where legally permissible.

Certain information may need to be retained where required for legal, regulatory, contractual, or legitimate business purposes.

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10. Marketing Communications

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We may contact you through the contact details provided by you for service-related communications.

Where permitted, we may also send promotional or marketing communications. You may request to opt out of such communications by contacting us or using the applicable unsubscribe option.

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11. Changes to this Privacy Policy

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SettleX may update this Privacy Policy from time to time to reflect changes in our practices, services, technology, or applicable requirements.

The updated Policy will be published on the Website with the revised effective date. Users are encouraged to review this Policy periodically.

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12. Contact Us

For questions, requests, or concerns regarding this Privacy Policy or the handling of your personal information, please contact:

SettleX LLP
Website: https://www.settlexindia.com/
Email:
Registered Office:
Contact Number: