Disclaimer

FairPaisa Solution is an independent consultancy firm providing advisory and educational services related to unsecured debt resolution. We are NOT:

• A bank or financial institution
• A Non-Banking Financial Company (NBFC)
• A lender or credit provider
• A collection agency
• A law firm (unless explicitly stated)

Our services are strictly consultancy and advisory in nature. We provide:

• Guidance on debt resolution strategies
• Education about borrower rights under Indian law
• Support in understanding legal options
• Assistance in documentation and communication
• Advisory on negotiation approaches

We do NOT directly negotiate with creditors on your behalf unless you have explicitly authorized us to do so through a separate agreement.

While we strive to provide the best possible guidance, we cannot guarantee:

• Specific settlement amounts or percentages
• Creditor acceptance of settlement offers
• Elimination of all debt
• Prevention of legal action by creditors
• Improvement in credit scores
• Specific timelines for debt resolution

Debt resolution outcomes depend on multiple factors including creditor policies, your financial situation, and negotiation circumstances.

Unless provided by a licensed attorney, our services do not constitute legal advice. For specific legal questions or representation, please consult a qualified lawyer licensed to practice in your jurisdiction.

Our services are designed exclusively for unsecured debt such as:

• Personal loans
• Credit card debt
• Unsecured business loans
• Medical debt

We do NOT assist with secured loans including home loans, car loans, gold loans, or property loans.

Debt settlement may negatively impact your credit score. Settled accounts may be reported to credit bureaus and remain on your credit report for several years. We recommend understanding these implications before proceeding.

Forgiven debt may be considered taxable income under Indian tax laws. We recommend consulting with a qualified tax professional to understand potential tax liabilities.

While we make every effort to provide accurate and up-to-date information, laws and regulations change frequently. The information on our website and in our consultations is for general guidance only and should not be relied upon as definitive.

Our website may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of these third parties. Use of third-party services is at your own risk.

You are responsible for:

• Providing accurate and complete information
• Making your own informed decisions
• Complying with all applicable laws and regulations
• Communicating with your creditors as required
• Meeting any payment obligations you agree to

To the fullest extent permitted by law, FairPaisa Solution and its officers, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our services or reliance on our advice.

We reserve the right to modify this disclaimer at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes constitutes acceptance of the modified disclaimer.