Terms & Conditions
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Please read the following carefully.
These Terms & Conditions (“Terms and Conditions”) govern your use of the SettleRoot website (“Website”). In these Terms and Conditions, “SettleRoot” is referred to as the “Company”, “we”, or “us”. By accessing or using this Website or any related communication/support services, you agree that you have read, understood and accepted these Terms. If you do not agree, you must not continue using this Website or any part of our support communication.
Acceptable Use
You shall not use this Website or any communication channel connected to it in any unlawful, abusive or misleading manner. You must respect these Terms and follow the Privacy Policy. Under no circumstances will the Company be liable for changes, errors, omissions, loss or damage arising from use of any information, support or content provided via the Website or our informational support channels (including messages, calls, WhatsApp, blogs, email etc.).You are solely responsible for the cost and functioning of your device, internet connection and access tools used to interact with this Website. We may restrict access to certain areas of the Website. We reserve full rights to block access to any user who violates these Terms. Although we aim to maintain uninterrupted access, we are not obligated or responsible for any service disruptions caused by network/server outages
beyond our control.
Usage Restrictions
Users agree not to insult, abuse, harass, stalk, threaten, or violate rights of others, publish, upload or distribute defamatory, unlawful, offensive, infringing or indecent material, upload malicious files, viruses, scripts or software affecting systems or data, alter, reverse engineer or attempt to hack any part of the Website, run spam scripts, automated bots or activities that damage infrastructure communicate spam, promote phishing, scams or illegal digital downloads, plagiarise, copy or misrepresent content or user-submitted material, use information that violates any law, regulation or applicable code of practice
Limitation of Liability
You expressly understand and agree that SettleRoot shall not be liable for any direct, indirect, incidental, special or consequential damages including loss of profits, goodwill, data, use or any intangible losses resulting from use or inability to use the Website, unauthorised access or alteration of data, information received through third-party sources, any matter connected to usage of this Website or informational content Indemnification You agree to indemnify and hold the Company, its representatives, officers, directors, agents and employees harmless against any claim, loss, damage, liability or cost (including legal fees) arising out of your breach of these Terms, violation of any law, violation of rights of any third party.
No Payment Collection on Behalf of Lenders
SettleRoot does not collect, receive or process payments on behalf of banks, NBFCs or lenders. We do not act as recovery agents.
Refund Policy
All fees paid to SettleRoot for support or service packages are billed in advance. Paid fees are non-refundable once a billing cycle has started. Users may discontinue usage of our services at any time, however discontinuation does not qualify for refund of any previously paid amount. Fees are only for access to the specific support duration and not for guaranteed results, outcomes or settlement values. We do not guarantee or commit to any specific outcome, waiver percentage, discount or settlement value.
SettleRoot only provides consultation and guidance based on general industry practices and the information shared by the user. We do not promise or guarantee any specific result, waiver amount, discount %, timeline, approval or outcome. Final decisions on settlement, restructuring or waiver are always taken by the respective bank / NBFC based on their internal policies — not by us. Any examples or estimates discussed are only for educational reference and should not be treated as a promise or commitment. By using our services, you agree that results may vary from case to case and SettleRoot will not be liable if the outcome is different from what you expected.
Service Scope Clarification
All payments made to SettleRoot must be completed strictly and only through the Company’s official authorised payment gateway or officially issued billing link. Any third-party transfer, UPI transfer, employee-to-employee transfer, agent-to-user transfer, direct wallet transfer, or personal account transfer is strictly not permitted. The Company shall not be responsible, liable or accountable for any loss, dispute, claim or damage arising from payments made to any third party, employee, agent or external individual outside the official authorised payment channel.
SettleRoot is not authorised to function as a payment intermediary, recovery collector or any channel through which funds are moved to banks, NBFCs or lenders. Any payment made to SettleRoot by a user is solely for our own support service fee and not for settlement payment, loan repayment, debt closure or any lender–directed transaction. We do not receive, process, transfer or route lender payments under any circumstances, nor do we handle funds on behalf of financial institutions. All settlement or repayment transactions, if initiated by the user, are strictly between the user and their respective lender only. Our role remains limited to informational support and general guidance, and
we do not influence, control or execute the actual settlement transfer.
Changes to Terms
These Terms may be updated or modified anytime without prior notice. Continued use of the Website implies acceptance of updated Terms.
Jurisdiction
Any disputes shall fall under the exclusive jurisdiction of the courts in Bengaluru, Karnataka.
If you do not accept these Terms, you are not authorised to continue using this Website.