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LEGAL

Terms of Use

Last updated: 27 September 2026

1About these terms

These Terms of Use apply when you visit or use thedebtrescuers.com and any page, form or free tool on it (together, “the site”). The site is run by The Debt Rescuers Advisory LLP, LLPIN ADA-7301, a limited liability partnership registered in India with its office at A-230 A, Chhattarpur Enclave Phase-II, New Delhi-110074 (“The Debt Rescuers”, “TDR”, “we”, “us” or “our”).

By using the site, you agree to these terms. If you do not agree, please do not use the site.

Some parts of our work have their own terms, which apply in addition to these:

  • Client Terms (/client-terms), if you book a private call, pay a fee or become a client.

  • Rescuer Assist Terms (/rescuer-assist-terms), if you use our AI assistant inside the client portal.

  • Partner Terms (/partner-terms), if you are an advocate applying to or on our panel.

  • Privacy Policy (/privacy-policy) and Cookie Policy (/cookie-policy), which explain how we handle your personal data.

  • Disclaimer (/disclaimer), which explains the limits of the information on this site.

If these Terms of Use and one of those documents say different things about the same subject, the more specific document applies.

2Who can use the site

You must be 18 years or older and able to enter into a binding contract under Indian law to use the site, fill in a form or use our tools.

If you share information about another person, such as a spouse, parent or guarantor, you must have their permission to do so.

3What we are, and what we are not

The Debt Rescuers is a debt advisory and support platform. We help borrowers understand their situation, organise their documents, and coordinate support, including support from independent advocates where a matter needs legal help. We also offer financial education.

We are not a lender, bank, NBFC or Asset Reconstruction Company. We do not lend money, buy loans or collect money for any lender. We are not a law firm and we do not provide legal services. We do not recommend investments, insurance or tax products.

4No advice on this site

Everything on the site, including articles, FAQs, problem pages, stories and tool results, is general information. It is not legal, financial or tax advice, and it is not advice about your particular situation.

Rules, rates and lender policies change, and every loan and every lender is different. Before you act, check your own loan agreement and, where needed, speak to a qualified professional. Lenders make their own decisions. Nothing on the site promises or implies that any settlement, reduction, waiver, lender approval, credit-score change or end to recovery calls will happen.

5Our free tools

The site offers free tools, including the Debt Relief Finder and the Debt Snapshot it produces.

  • Self-reported. Your Snapshot is based only on the answers you give. We do not check them.

  • Not a credit score. The Snapshot is not a credit score or a credit report. Using the Finder does not involve a credit check and does not affect your CIBIL or any other credit score.

  • Not eligibility. A result does not mean you qualify for settlement or any other option, and it is not a recommendation to take any step.

  • Descriptive only. The Snapshot describes what may need your attention. It does not tell you what to do.

When you ask us to send your Snapshot or contact you, we use the details you give in the way described in our Privacy Policy. Consent boxes on our forms are unticked by default, and you can withdraw your consent at any time.

6Information and content you send us

When you fill in a form, message us on WhatsApp, send a document or share a story, you confirm that:

  • the information is true and complete to the best of your knowledge;

  • you have the right to share it, including any information about other people; and

  • it does not break any law or anyone else’s rights.

If you send us a story, review or feedback, you allow us to use it to improve our services. We will publish a story, a quote or any detail that could identify you only with your separate written consent, and you can withdraw that consent later. Once withdrawn, we will remove the content from the site within a reasonable time.

Please do not send us passwords, OTPs, full card numbers or bank PINs. We will never ask for them.

7Intellectual property

The site and everything on it, including text, graphics, illustrations, page designs, tools, software, and the names and logos “The Debt Rescuers” and “Rescuer Assist”, belong to TDR or to the people who licensed them to us.

You may view, download and print pages for your own personal, non-commercial use. You may share a link to any page. You may not copy, republish, sell, adapt or create other works from the site or its content without our written permission, except as Indian copyright law allows.

8What you must not do

When using the site, you must not:

  1. break any law, or help anyone else break one;

  2. give false information, pretend to be someone else, or submit information about a person without their permission;

  3. use the site to harass, threaten or defame anyone, including lenders, recovery agents or our team;

  4. try to get into parts of the site, the client portal or our systems that you are not allowed to use;

  5. upload viruses, malicious code or anything that could harm the site or other users;

  6. copy data from the site using bots, scrapers or similar automated tools, or overload our systems;

  7. copy, frame or mirror the site, or reverse-engineer our tools;

  8. use the site to advertise, sell or promote anything, or to collect other users’ details; or

  9. present our content, tools or results as your own, or as advice from us to someone else.

We may block access, remove content or take legal action if these rules are broken.

9Third-party links and services

The site links to websites and services we do not control, such as the RBI’s complaint portal, credit bureau websites, WhatsApp, video-call services and our payment gateway. We provide these links for your convenience. We are not responsible for their content, security or privacy practices, and a link does not mean we endorse them. Please read their terms and policies before using them.

10Availability and changes to the site

We work to keep the site available and accurate, but we do not promise that it will always be available, error-free or up to date. We may change, pause or remove any page, tool or feature at any time, including for maintenance or security.

11The site is provided “as is”

To the extent allowed by law, the site and its tools are provided “as is” and “as available”. We do not give any promise, express or implied, that the site or any information on it is complete, accurate, fit for a particular purpose, or will meet your needs.

12Limitation of liability

To the extent allowed by law:

  • we are not responsible for any loss or damage caused by relying on general information on the site, by a decision you or a lender makes, or by events outside our reasonable control;

  • we are not responsible for indirect or consequential loss, loss of profit, or loss of data; and

  • our total liability to you for any claim arising from your use of the free parts of the site is limited to the amount, if any, you paid us in the twelve months before the claim.

Nothing in these terms limits any liability that cannot be limited under Indian law, or any right you have under the Consumer Protection Act, 2019. If you are a client, the Client Terms set out our responsibilities for paid services.

13Indemnity

If you break these terms or the law while using the site, and someone makes a claim against us because of it, you agree to cover our reasonable losses and costs arising from that claim.

14Privacy and cookies

Our Privacy Policy explains what personal data we collect, why, how long we keep it, who we share it with, and your rights under the Digital Personal Data Protection Act, 2023. Our Cookie Policy explains the cookies we use. You can reject non-essential cookies from the cookie banner at any time.

15Changes to these terms

We may update these terms from time to time. The date at the top of this page shows when they last changed. If a change is significant, we will show a notice on the site. By continuing to use the site after a change, you accept the updated terms.

16Governing law and courts

These terms are governed by the laws of India. Subject to your rights under the Consumer Protection Act, 2019, the courts at New Delhi have exclusive jurisdiction over any dispute arising from these terms or your use of the site.

17General

If any part of these terms is found to be invalid, the rest stays in force. If we do not enforce a right straight away, we have not given it up. You may not transfer your rights under these terms. We may transfer ours to a business that takes over the site, and we will tell you if that happens.

18Questions and grievances

For general questions, use the details on our Contact Us page (/contact-us).

For a complaint, including any concern about your personal data, write to our Grievance Officer:

  • Grievance Officer: The Debt Rescuers

  • Email: grievance@thedebtrescuers.com

  • Post: The Debt Rescuers Advisory LLP, A-230 A, Chhattarpur Enclave Phase-II, New Delhi 110074

We acknowledge complaints promptly and aim to resolve them within 30 days. Our Grievance Redressal page (/grievance-redressal) explains the full process.