Terms & Conditions

These Terms & Conditions (“Terms”) govern your access to and use of the website https://settlementpanel.com/ (“Website”), operated by SettlementPanel (“SettlementPanel”, “Company”, “we”, “our”, or “us”).

By accessing, browsing, registering on, or using this Website and its services, you acknowledge that you have read, understood, and agreed to be legally bound by these Terms, along with our Privacy Policy. If you do not agree with these Terms, you must not access or use the Website or any services offered through it.

Use of Website

Users agree to use this Website only for lawful purposes and in accordance with these Terms and applicable laws. You agree not to:

• Use the Website in any unlawful, fraudulent, abusive, or harmful manner
• Harass, threaten, intimidate, or violate the rights of others
• Upload or transmit malicious software, viruses, or harmful code
• Attempt to gain unauthorized access to the Website, servers, or systems
• Reverse engineer, modify, hack, disrupt, or interfere with the Website infrastructure
• Copy, reproduce, distribute, or exploit Website content without written permission
• Publish defamatory, misleading, obscene, or unlawful material
• Use the Website for spamming, phishing, advertising, or illegal promotional activity
• Violate any applicable laws, regulations, or third-party rights

SettlementPanel reserves the right to restrict, suspend, or terminate access to any user violating these Terms.

Nature of Services

SettlementPanel is a debt resolution and financial advisory platform that assists individuals facing financial hardship by providing consultation, debt relief guidance, settlement assistance, and related support services.

SettlementPanel is not:

• A bank
• A Non-Banking Financial Company (NBFC)
• A lender or loan provider
• A recovery agency
• A government authority

We do not provide loans, credit facilities, or guarantee debt settlements, waivers, reductions, or financial outcomes. All advisory services are based upon the information voluntarily provided by users and are subject to lender policies, applicable laws, and individual financial circumstances.

User Accounts and Access

Certain sections or services on the Website may require users to provide personal details or use login credentials. Users are responsible for:

• Maintaining confidentiality of account credentials
• Restricting unauthorized access to their account
• Ensuring information provided is accurate and updated

SettlementPanel reserves the right to suspend or terminate accounts in cases of misuse, false information, suspicious activity, or breach of these Terms.

No Guarantee of Results

Users expressly acknowledge that:

• Debt settlement outcomes vary from case to case
• Savings estimates, timelines, and success rates are indicative only
• No guarantee is provided regarding lender approvals, settlement acceptance, legal protection, credit score impact, or debt reduction

SettlementPanel shall not be held responsible for any actions taken by banks, NBFCs, recovery agents, credit bureaus, or financial institutions.

Third-Party Services

The Website may contain links or integrations with third-party platforms, payment gateways, or service providers. SettlementPanel shall not be liable for:

• Third-party content
• External website policies
• Payment gateway failures
• Data breaches occurring outside our systems
• Any loss caused through third-party services

Users access such services at their own discretion and risk.

Fees and Payments

Certain services offered by SettlementPanel may involve consultation charges, advisory fees, subscription fees, or service charges. Users shall be informed of applicable charges before availing paid services. By proceeding with payment, users agree that:

• Fees may be non-refundable unless specifically stated otherwise
• Payments are voluntary and authorized by the user
• SettlementPanel reserves the right to revise pricing without prior notice

All transactions are processed through secure third-party payment gateways.

Refund Policy

Unless expressly agreed otherwise in writing:

• Fees paid for consultations, advisory services, documentation, or support services are non-refundable
• Users may discontinue services at any time; however, charges already paid shall not be refunded
• Refund requests, if applicable, shall be reviewed solely at the discretion of SettlementPanel

Communication Consent

By submitting forms or providing contact information through the Website, users authorize SettlementPanel and its representatives to contact them through phone calls, SMS, WhatsApp, and email communications for service-related discussions, consultations, follow-ups, updates, promotional communication, and customer support purposes, in accordance with applicable laws.

Users acknowledge that such communication may occur even if the contact number is registered under DND (Do Not Disturb).

Intellectual Property Rights

All Website content including text, logos, graphics, website design, branding materials, and documents are the intellectual property of SettlementPanel unless otherwise stated. No user may reproduce, copy, distribute, modify, publish, or commercially exploit any content without prior written consent.

Limitation of Liability

To the maximum extent permitted under applicable law, SettlementPanel, its directors, employees, affiliates, consultants, representatives, or agents shall not be liable for direct or indirect financial losses, business interruption or reputational damage, credit score impact, delay or failure in settlement discussions, actions initiated by lenders or recovery agents, loss of data, profits, or opportunities, service interruptions, technical failures, or Website downtime, or reliance placed on Website content or consultations.

Users use the Website and services entirely at their own risk and discretion.

Indemnification

Users agree to indemnify, defend, and hold harmless SettlementPanel and its affiliates, employees, officers, consultants, and representatives from and against any claims, liabilities, losses, damages, legal proceedings, or expenses arising out of violation of these Terms, misuse of the Website or services, submission of false or misleading information, or violation of applicable laws or third-party rights.

Grievance Redressal

In case of any grievance, concern, or complaint, users may contact us through the following escalation mechanism:

• Level 1: help@settlementpanel.com
• Level 2: escalation@settlementpanel.com

SettlementPanel shall make reasonable efforts to address grievances within a reasonable timeframe.

Dispute Resolution

In the event of any dispute arising out of or relating to these Terms or the use of the Website/services, the aggrieved party shall first attempt resolution through the grievance mechanism provided above. If the dispute remains unresolved, parties may initiate legal proceedings before the competent courts located at Delhi, India.

SettlementPanel reserves the right to opt for arbitration proceedings under the Arbitration and Conciliation Act, 1996, including any amendments thereto. The decision of the arbitrator shall be final and binding upon the parties.

Changes to Terms

SettlementPanel reserves the right to modify, amend, or update these Terms & Conditions at any time without prior notice. Continued use of the Website following such modifications shall constitute acceptance of the revised Terms.

Contact Information