Privacy Policy — LoanRaksha (loanraksha.in)
Effective Date: January 1, 2026 | Last Updated: November 2026
Your privacy is paramount. LoanRaksha strictly complies with the Information Technology Act, 2000, and SPDI Rules to ensure 100% data confidentiality.
1. Information We Collect
When you register on loanraksha.in, request a callback, or communicate with our team, we may collect:
- Personal Identifiers: Full name, mobile number, alternate phone number, email address, city, and state.
- Financial & Debt Data: Approximate outstanding debt amounts, types of loans (personal loans, credit cards, MSME loans), names of lending banks/NBFCs, and current recovery status.
- Communication Records: Call logs, consultation notes, and legal documentation shared voluntarily by you.
2. How We Use Your Data
We use your information strictly to:
- Evaluate your debt portfolio and formulate customized debt management or settlement strategies.
- Facilitate empanelled advocates to issue legal notices against recovery agent harassment.
- Contact you via phone, WhatsApp, or email regarding your case updates.
- Comply with regulatory requirements and prevent fraud.
3. No Sale or Unauthorized Sharing
We never sell, rent, or trade your personal information to third-party telemarketers or marketing agencies. Information is shared only with empanelled legal counsels or authorized representatives directly involved in your case resolution with your express consent.
4. Data Security & Retention
All sensitive client information is stored using enterprise-grade 256-bit SSL encryption and strict role-based access control. Information is retained only as long as necessary to provide services and fulfill legal requirements.
5. Contact Our Privacy Officer
For any queries or requests regarding your data, contact K.R. Sunil Kumar at help@loanraksha.in or visit our office in Somajiguda, Hyderabad.
Terms & Conditions — LoanRaksha (loanraksha.in)
Effective Date: January 1, 2026
Please read these terms carefully before utilizing our debt settlement and loan advisory services.
1. Nature of Services
LoanRaksha (loanraksha.in), managed under the leadership of K.R. Sunil Kumar, provides financial consultancy, debt management guidance, credit restructuring strategy, and facilitation of empanelled advocates for anti-harassment and debt negotiations.
2. Client Responsibilities
- You agree to provide true, accurate, and current information regarding your debt, income, and liabilities.
- You acknowledge that loan settlements depend on lender policies and discretion; LoanRaksha acts as your advisor and facilitator.
- Payments for our professional services must be made only via official payment links provided by LoanRaksha. Never make personal transfers to unofficial UPI or personal accounts.
3. Fee Policy & Transparency
Initial consultations are completely free. Any customized service fees for Debt Management Plans (DMP) or Legal Anti-Harassment Services will be clearly agreed in writing prior to engagement with zero hidden charges.
4. Intellectual Property
All content, branding, logos, trademarks, and design materials on loanraksha.in are the proprietary intellectual property of LoanRaksha and protected under Indian copyright laws.
5. Jurisdiction & Dispute Resolution
Any disputes arising from or in connection with these terms or services provided by LoanRaksha shall be subject to the exclusive jurisdiction of the competent courts in Hyderabad, Telangana, India.
Statutory Disclaimer — LoanRaksha (loanraksha.in)
Important regulatory clarity regarding LoanRaksha's advisory scope.
1. Not a Banking Entity or NBFC
LoanRaksha (loanraksha.in) is an independent debt advisory and loan management consultancy. We are not a bank, Non-Banking Financial Company (NBFC), or money-lending institution. We do not disburse loans, issue credit cards, or collect loan dues on behalf of lenders.
2. Legal Advocacy Role
All legal advisory, legal notices, representation before banking ombudsmen, and anti-harassment protections are rendered exclusively by licensed, empanelled advocates and legal professionals in accordance with the Advocates Act, 1961.
3. Outcome Variability
Debt settlement discounts, EMI reductions, interest waivers, and settlement timelines vary based on each lender's internal recovery policy, outstanding amount, and your financial hardship situation. Past performance and case histories do not guarantee identical results.
4. Anti-Harassment Compliance
We actively protect borrowers against unlawful recovery practices strictly adhering to the Reserve Bank of India (RBI) Fair Practices Code and relevant judicial precedents prohibiting harassment, intimidation, or privacy violations by recovery agents.
