Privacy Policy

Effective Date: July 28, 2025

Welcome to the XeroDebt website, operated by Fyntix India Private Limited (hereinafter referred to as “XeroDebt,” “we,” “us,” or “our”). We are committed to protecting the privacy of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at [Your Website URL, e.g., xerodebt.in] and use our services.

By using our website and services, you consent to the terms of this Privacy Policy.

1. Information We Collect

We may collect personal information that can identify you directly or indirectly. This includes, but is not limited to:

• Contact Information: Name, email address, phone number, and physical address.

• Financial Information: Details about your unsecured loans (e.g., outstanding amount, lender names, loan types), monthly income, and expenses.

• Account Information: Information you provide to set up and manage your XeroDebt account.

• Technical Information: IP address, browser type, operating system, and information about your interaction with our website (e.g., pages visited, time spent).

• Communication Data: Records of communications and correspondence between you and XeroDebt (e.g., call recordings, email transcripts).

2. How We Collect Your Information

We collect information through the following methods:

• Directly from You: When you fill out a form on our website, contact us via phone or email, or enroll in our services.

• From Third-Party Sources: We may collect information from credit bureaus, lenders, or other financial institutions to verify the information you provide and to assist in the debt settlement process.

• Automatically: When you visit our website, we may use cookies, web beacons, and other tracking technologies to collect information about your Browse behavior.

3. Purpose of Information Collection

We collect your personal information for the following purposes:

• To provide our debt settlement and management services to you.

• To create, manage, and communicate with you about your personalized debt settlement plan.

• To negotiate with lenders and creditors on your behalf.

• To verify your identity and the accuracy of the information you provide.

• To respond to your inquiries and support requests.

• For marketing and promotional activities, such as sending you information about our services.

• For internal research, analytics, and service improvement.

• To comply with legal and regulatory obligations.

4. How We Use and Disclose Your Information

We may use and share your information in the following ways:

• With Our Team: Your information is shared with XeroDebt employees and contractors who need it to perform their duties and provide services to you.

• With Lenders and Creditors: We will share your relevant financial and contact information with your lenders and creditors to initiate and conduct debt settlement negotiations on your behalf.

• With Service Providers: We may share your information with third-party service providers who assist us with our business operations, such as cloud hosting, data analysis, or legal services. These providers are obligated to protect your information.

• For Legal and Regulatory Compliance: We may disclose your information to law enforcement agencies, government officials, or other third parties as required by law, court order, or to protect our rights and safety.

• With Your Consent: We may share your information with other parties if you give us your explicit consent to do so.

5. Data Security

We have implemented reasonable technical and organizational measures to protect your personal information from unauthorized access, use, alteration, and disclosure. However, no method of transmission over the internet or electronic storage is 100% secure.

6. Your Rights

You have the right to:

• Access: Request a copy of the personal information we hold about you.

• Correction: Request us to correct any inaccurate or incomplete information.

• Deletion: Request us to delete your personal information, subject to legal and regulatory retention requirements.

• Withdraw Consent: Withdraw your consent to our processing of your personal information at any time.

7. Use of Cookies

Our website uses cookies to enhance your Browse experience, analyze website traffic, and for advertising purposes. You can set your browser to refuse cookies or to alert you when cookies are being sent. However, some parts of our website may not function properly without them.

8. Third-Party Links

Our website may contain links to third-party websites. This Privacy Policy does not apply to those websites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Changes to this Policy

We reserve the right to update this Privacy Policy at any time. We will notify you of any changes by posting the new Privacy Policy on our website with a revised effective date.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Fyntix India Private Limited Email: hello@xerodebt.in Phone: +91 9456812369 Address: 27/B, Bhootal, V.S palace, Bodla, Agra- 282007