Terms and Conditions

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”). These Terms and Conditions govern your use of our website and services. By accessing or using our services, you agree to be bound by these Terms and all applicable laws and regulations.

1. Acceptance of Terms By accessing and using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our website or services.

2. Nature of Services (Crucial Clause) XeroDebt provides debt settlement and negotiation services for individuals with unsecured loans. We act as a professional intermediary between you (the borrower) and your lenders to negotiate a full and final settlement.

It is explicitly understood that XeroDebt does not, under any circumstances, promote or encourage willful default. Our services are designed for individuals who are genuinely unable to meet their repayment obligations and wish to resolve their debt in a structured, legal, and transparent manner.

3. No Guarantee of Outcome While XeroDebt will use its best efforts to negotiate a favorable settlement on your behalf, we cannot guarantee that any specific settlement percentage or outcome will be achieved. The final terms of any settlement are at the discretion of your lenders and depend on various factors, including your specific financial situation and the lender’s policies.

4. User Responsibilities As a user of our services, you agree to:

• Provide accurate, complete, and truthful information regarding your financial situation and outstanding debts.

• Fully cooperate with the XeroDebt team during the debt settlement process.

• Adhere to the terms of your personalized savings and settlement plan.

• Refrain from communicating directly with your lenders or creditors about a settlement without XeroDebt’s guidance.

5. Fees and Payments The fees for our services will be clearly outlined in your service agreement. You agree to pay all fees in a timely manner as per the terms of your agreement. Failure to make payments may result in the termination of our services.

6. Limitation of Liability To the maximum extent permitted by law, XeroDebt shall not be liable for any indirect, incidental, special, or consequential damages arising from or in connection with the use of our services, including but not limited to loss of data, income, or profits.

7. Intellectual Property All content on this website, including text, graphics, logos, and service marks, is the property of Fyntix India Private Limited and is protected by copyright and other intellectual property laws. You may not use, reproduce, or distribute any content from this website without our prior written consent.

8. Governing Law and Jurisdiction These Terms and Conditions shall be governed by and construed in accordance with the laws of India. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts located in Agra, Uttar Pradesh.

9. Changes to Terms XeroDebt reserves the right to modify or replace these Terms and Conditions at any time. We will provide notice of any changes by posting the updated terms on our website. Your continued use of our services after any such changes constitutes your acceptance of the new terms.

10. Contact Us If you have any questions about these Terms and Conditions, please contact us at:

• Fyntix India Private Limited (XeroDebt)

• Email: hello@xerodebt.in

• Phone: +91 9456812369

• Address: 27/B, Bhootal, V.S palace, Bodla, Agra- 282007