Terms & Conditions

1. Introduction and Acceptance of Terms

1.1 Binding Agreement
These Terms and Conditions ("Terms") constitute a legally binding agreement between Quantiva Financial Consultancy Private Limited ("Company," "we," "us," "our," "Resolve360") and you ("Client," "you," "your") governing your access to and use of our website, services, and consultancy offerings. By accessing our website, engaging our services, or making any payment to us, you acknowledge that you have read, understood, and agree to be bound by these Terms.

1.2 Eligibility
You must be at least 18 years of age and possess the legal capacity to enter into a binding contract under the Indian Contract Act, 1872. By using our services, you represent and warrant that you meet these eligibility requirements.

1.3 Modifications
We reserve the right to modify these Terms at any time. Material changes will be communicated via email or prominent notice on our website. Your continued use of our services following such modifications constitutes acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

2. Scope of Services

2.1 Services Offered
Resolve360 provides the following financial consultancy services:

• Loan settlement negotiation and consultation services
• Credit card debt settlement assistance
• Anti-harassment support and legal representation
• Financial counseling and debt management advice
• Communication management with lending institutions and recovery agents
• Documentation and correspondence preparation
• Legal notice drafting and review
• Arbitration and conciliation support

2.2 Nature of Services
Our services are strictly consultancy and advisory in nature. We act as intermediaries and consultants to facilitate negotiations between you and your creditors. We do not guarantee any specific outcome, settlement amount, or timeline for resolution.

2.3 Services We Do Not Provide
We do not:

• Provide direct loans or credit facilities
• Guarantee loan approvals or specific settlement terms
• Act as debt collection agents
• Provide investment advice or wealth management services
• Guarantee improvement in credit scores
• Provide legal representation in court proceedings (unless explicitly agreed separately)

3. Fee Structure and Payment Terms

3.1 Initial Consultation Fee
An initial consultation and service commencement fee of ₹3,540/- (Rupees Three Thousand Five Hundred Forty only) including applicable GST is payable upon enrollment. This fee is non-refundable and covers:

• Initial case assessment and evaluation
• Document review and analysis
• Consultation with legal experts
• Preparation of preliminary documentation
• Communication initiation with creditors

3.2 Success Fee Structure
Our primary fee is success-based and is payable only upon successful settlement of your loan or debt. The success fee structure is as follows:

• The success fee will be a percentage of the amount waived/saved through settlement
• The exact percentage will be communicated to you in writing at the time of engagement
• The success fee becomes due and payable immediately upon settlement confirmation from the creditor
• No success fee is charged if no settlement is achieved

3.3 Payment Methods
All payments must be made through:

• Bank transfer/NEFT/RTGS/IMPS
• UPI payment
• Online payment gateway
• Cheque or demand draft

Cash payments are not accepted. All payment receipts will be issued electronically.

3.4 No Hidden Charges
We maintain complete transparency in our fee structure. No additional charges will be levied without your prior written consent.

3.5 GST and Taxes
All fees are subject to applicable Goods and Services Tax (GST) and other statutory levies as per prevailing Indian laws.

4. Client Obligations and Responsibilities

4.1 Accurate Information
You agree to provide complete, accurate, and truthful information regarding:

• Your identity, contact details, and address
• Outstanding loan amounts and creditor details
• Income, assets, and financial condition
• Employment status and changes thereto
• Any ongoing legal proceedings
• Previous settlement attempts or negotiations

4.2 Documentation
You must provide all requested documents promptly, including but not limited to:

• Identity proof (Aadhaar, PAN, etc.)
• Address proof
• Loan agreements and statements
• Bank statements
• Income proof
• Any notices or legal communications received

4.3 Cooperation
You agree to:

• Cooperate fully with our team throughout the settlement process
• Respond promptly to our communications
• Attend meetings and consultations as required
• Refrain from independent communication with creditors during the negotiation process without our knowledge
• Inform us immediately of any changes in your financial situation or contact details

4.4 Payment of Settled Amount
Upon successful negotiation, you are solely responsible for paying the agreed settlement amount to the creditor within the stipulated timeline. Failure to pay may result in the settlement offer being withdrawn by the creditor.

4.5 Prohibited Actions
You shall not:

• Provide false or misleading information
• Use our services for unlawful purposes
• Engage in harassment or abusive behavior toward our staff
• Share confidential information with unauthorized third parties
• Attempt to circumvent our services to negotiate directly with creditors after engagement

5. Service Delivery and Timeline

5.1 Estimated Timeline
While we endeavor to achieve settlements expeditiously, the timeline depends on various factors including:

• Complexity of the case
• Number of creditors involved
• Cooperation from creditors
• Your financial circumstances
• Legal or procedural requirements

We do not guarantee any specific timeline for settlement completion.

5.2 Best Efforts
We will use our best professional efforts to negotiate favorable settlement terms on your behalf. However, settlement is ultimately at the discretion of the creditor, and we cannot guarantee acceptance of any settlement proposal.

5.3 Communication Protocol

• We will provide regular updates on case progress via email, WhatsApp, or phone
• All major decisions will be communicated to you in writing
• You will receive copies of all important correspondence
• Response time for client queries: within 48 business hours

6. No Guarantee and Disclaimer

6.1 No Outcome Guarantee
We explicitly disclaim any guarantee, warranty, or assurance regarding:

• Successful settlement of debts
• Specific settlement amounts or percentages
• Timeline for settlement completion
• Acceptance of settlement offers by creditors
• Improvement in credit score or CIBIL rating
• Cessation of legal proceedings

6.2 Credit Score Impact
You acknowledge and understand that:

• Loan settlement typically has a negative impact on your credit score
• Settled accounts are reported to credit bureaus as "settled" rather than "closed"
• This may affect your ability to obtain future credit
• We are not responsible for credit score deterioration resulting from settlement

6.3 Legal Proceedings
While we provide anti-harassment support and legal assistance, we do not guarantee:

• Prevention or dismissal of legal proceedings by creditors
• Favorable outcomes in arbitration or court proceedings
• Immunity from legal action by creditors

6.4 Third-Party Actions
We are not responsible for:

• Actions or decisions of creditors, banks, or lending institutions
• Actions of recovery agents or collection agencies
• Changes in banking policies or regulations
• Errors or delays caused by third parties

7. Confidentiality and Data Protection

7.1 Confidential Information
All information you provide to us, including personal, financial, and legal information, shall be treated as strictly confidential.

7.2 Use of Information
We will use your information solely for:

• Providing the contracted services
• Communication with creditors on your behalf
• Legal and regulatory compliance
• Internal record-keeping and analysis
• Communication with you regarding services

7.3 Data Security
We implement reasonable security measures to protect your data from unauthorized access, disclosure, alteration, or destruction. However, we cannot guarantee absolute security of data transmitted over the internet.

7.4 Disclosure Requirements
We may disclose your information:

• To creditors and financial institutions as necessary for settlement negotiations
• To legal counsel or arbitrators as required
• To comply with legal obligations, court orders, or regulatory requirements
• To law enforcement agencies when required by law
• With your explicit written consent

7.5 Data Retention
We will retain your information for a period of seven (7) years from the date of service completion or as required by applicable law, whichever is longer.

7.6 Your Rights
You have the right to:

• Access your personal information held by us
• Request correction of inaccurate information
• Request deletion of information (subject to legal retention requirements)
• Withdraw consent for non-essential communications

8. Termination and Cancellation

8.1 Termination by Client
You may terminate our services at any time by providing written notice. However:

• The initial consultation fee is non-refundable
• Any success fee for settlements achieved prior to termination remains payable
• You remain responsible for any commitments made to creditors during our engagement

8.2 Termination by Company
We reserve the right to terminate our services if:

• You provide false or misleading information
• You fail to cooperate or provide requested documentation
• You engage in abusive or threatening behavior toward our staff
• You breach any material term of this agreement
• We determine that we cannot effectively represent your interests
• You fail to pay the agreed fees

8.3 Effect of Termination
Upon termination:

• All work in progress will cease
• You will receive copies of all documentation prepared
• All outstanding fees become immediately due and payable
• Confidentiality obligations continue beyond termination
• We are not liable for any consequences arising from termination

9. Limitation of Liability

9.1 Maximum Liability
To the fullest extent permitted by law, our total liability to you for any claims arising from or related to our services shall not exceed the total fees paid by you to us in the twelve (12) months preceding the claim.

9.2 Excluded Damages
We shall not be liable for:

• Indirect, incidental, consequential, or punitive damages
• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Damage to credit rating or financial reputation
• Emotional distress or mental anguish
• Third-party claims or actions

9.3 Force Majeure
We are not liable for delays or failures in performance resulting from circumstances beyond our reasonable control, including:

• Acts of God, natural disasters, epidemics, or pandemics
• Government actions, regulatory changes, or policy modifications
• War, terrorism, civil unrest, or strikes
• Internet or telecommunications failures
• Actions or omissions of third parties

10. Indemnification

You agree to indemnify, defend, and hold harmless Quantiva Financial Consultancy Private Limited, its directors, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your breach of these Terms
• Your violation of any applicable law or regulation
• Your provision of false or misleading information
• Third-party claims arising from your actions or omissions
• Your failure to pay creditors pursuant to settlement agreements

11. Intellectual Property

11.1 Ownership
All content on the Resolve360 website, including text, graphics, logos, images, software, and documentation, is the property of Quantiva Financial Consultancy Private Limited and is protected by Indian and international copyright, trademark, and intellectual property laws.

11.2 Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our website and materials solely for the purpose of utilizing our services.

11.3 Restrictions
You may not:

• Copy, reproduce, or distribute our content without written permission
• Modify, create derivative works, or reverse engineer our materials
• Use our trademarks, logos, or branding without authorization
• Frame or mirror any portion of our website
• Use automated systems or bots to access our website

12. Compliance with Laws

12.1 Regulatory Compliance
Our services are provided in compliance with:

• Reserve Bank of India (RBI) guidelines and circulars
• Indian Contract Act, 1872
• Banking Regulation Act, 1949
• Information Technology Act, 2000
• Consumer Protection Act, 2019
• Prevention of Money Laundering Act, 2002
• All other applicable Indian laws and regulations

12.2 Client Compliance
You agree to comply with all applicable laws and regulations in connection with your use of our services and shall not use our services for any unlawful purpose.

12.3 Anti-Money Laundering
We maintain strict anti-money laundering (AML) and know-your-customer (KYC) procedures. You agree to provide all documentation necessary to verify your identity and the source of funds.

13. Dispute Resolution and Arbitration

13.1 Amicable Resolution
In the event of any dispute arising out of or relating to these Terms or our services, the parties agree to first attempt to resolve the dispute amicably through good faith negotiations.

13.2 Arbitration
If the dispute cannot be resolved amicably within thirty (30) days, it shall be referred to arbitration in accordance with the Arbitration and Conciliation Act, 1996. The arbitration shall be conducted as follows:

• Number of arbitrators: One (1) mutually appointed arbitrator
• Seat of arbitration: Bangalore, Karnataka, India
• Language: English
• Governing law: Indian law

13.3 Exclusive Jurisdiction
Subject to the arbitration clause above, the courts of Bangalore, Karnataka shall have exclusive jurisdiction over any disputes arising from these Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.

15. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

16. Waiver

No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

17. Entire Agreement

These Terms, together with any written agreements, engagement letters, or service agreements executed between you and us, constitute the entire agreement between the parties and supersede all prior or contemporaneous communications, agreements, and understandings, whether oral or written.

18. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations to any affiliate or successor entity.

19. Notices

19.1 Method of Notice
All notices under these Terms shall be in writing and delivered via:

• Email to the registered email address
• Registered post or courier to the registered address
• WhatsApp to the registered mobile number (for routine communications)

19.2 Contact Information
For Clients:
Notices to us should be sent to:
Email: info@resolve360.in
Address: Quantiva Financial Consultancy Private Limited, 994/79, 27th A Main Road, Jayanagar 9th Block, Bangalore - 560041, Karnataka, India

For Company:
Notices to you will be sent to the contact information provided in your client records. You agree to keep your contact information current.

20. Marketing and Testimonials

20.1 Use of Testimonials
With your consent, we may use anonymized testimonials and case studies for marketing purposes. Personal identifying information will not be disclosed without your explicit written permission.

20.2 Opt-Out
You may opt out of marketing communications at any time by notifying us in writing.

21. Website Use and Restrictions

21.1 Acceptable Use
You agree to use our website only for lawful purposes and in accordance with these Terms. You shall not:

• Attempt to gain unauthorized access to our systems or networks
• Introduce viruses, malware, or harmful code
• Engage in any conduct that restricts or inhibits use of the website
• Collect or harvest information about other users
• Use the website for spam or unsolicited communications

21.2 Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of such websites. Access to third-party sites is at your own risk.

22. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR SERVICES AND WEBSITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

WE DO NOT WARRANT THAT:

• Our services will meet your specific requirements
• Our services will be uninterrupted, timely, secure, or error-free
• Any information obtained through our services will be accurate or reliable
• Defects will be corrected

23. Contact Information

For questions, concerns, or complaints regarding these Terms or our services, please contact us:

24. Acknowledgment and Acceptance

By engaging our services or using our website, you acknowledge that:

• You have read and understood these Terms and Conditions in their entirety
• You agree to be bound by these Terms
• You have had the opportunity to seek independent legal advice
• You understand the nature, scope, and limitations of our services
• You understand the potential impact of loan settlement on your credit score
• You agree to the fee structure and payment terms
• All information provided by you is true, accurate, and complete