Privacy Policy

What we collect, why, and what you can ask us to do.

XeroDebt is run by Fyntix India Private Limited. This is the full policy in plain words. If anything here is unclear, ask your Debt Resolution Expert or email us — we will explain it.

What we collect, and why

Only what a settlement actually needs. Nothing is collected to sell or to advertise to you.

• Your details: name, mobile number, email, city and the language you want us to speak — so we can reach you and prepare your case.
• Your money situation: what you owe and to whom, your monthly income, whether you are facing recovery calls or have had a legal notice — so we can tell you whether your loans can be settled and what to offer your banks.
• Documents you send us: your credit report and its password, PAN, bank statements and anything else we ask for — so we can check your dues and negotiate.
• Using the app: your sign-in email, this phone's notification token, and basic records of what you opened and when — so the app works and we can see what we told you.
• Calls: calls with our team may be recorded for training and to settle any dispute about what was agreed.
• Payments: the amount, date and status of each payment. Card and UPI details go straight to our payment provider; we never see or store them.

How long we keep it

We keep your case for as long as we are working on it, and afterwards only as long as the law requires:

• Your case and documents — while the case is open, then up to 8 years after it closes, the period accounting and tax law requires.
• Payments and agreements — up to 8 years after the case closes, for the same reason.
• Call recordings — up to 12 months, unless a dispute means we must keep one for longer.
• Your sign-in and this phone — removed as soon as you delete your account.
• Your app PIN and fingerprint — never leave your phone. We never receive them.

Who we share it with

A short list, and never for money:

• Your banks and their recovery teams — only what is needed to settle your own accounts.
• The companies that run parts of this service for us — hosting, payments, e-signature and messaging — under contract, only for that purpose.
• The law — if a court, regulator or the police require it of us.
• We never sell your details, and we never pass them to anyone for marketing.

Your rights

Under India's Digital Personal Data Protection Act, 2023, you can:

• Ask what we hold about you, and get a copy.
• Correct anything wrong — your name, number and email are in Your details, with a request button.
• Delete your account, which closes your case with us and removes your sign-in.
• Withdraw your consent to being contacted.
• Nominate someone to act for you if you are unable to.

Keeping it safe

• Everything is stored encrypted, and reached over encrypted connections.
• Only your own Debt Resolution Expert and their managers can open your case. Everyone else in the company is blocked by the system itself, not by a rule on paper.
• You can lock this app with a PIN or your fingerprint, in Account.
• If somebody asks you for an OTP or for money in a personal account, they are not us. Report it in Staying safe.

If you want to complain

Mrs. Priyanka Dalwani — Grievance Officer, Fyntix India Private Limited.

Email: hello@xerodebt.in

Shop No. 27/B, Bhootal, V S Palace, Sec-4, Avas Vikas Colony, Sadar, Agra, Uttar Pradesh 282007.

We reply within 7 working days, and finish within 30 days.

Changes

If this policy changes, we will tell you in the app before the change applies. This app is for adults; it is not meant for anyone under 18.