Terms & Conditions:

Welcome to Shubhchintak (https://shubhchintak.org.in), a platform dedicated to providing loan settlement support, anti-harassment services, and legal assistance for individuals facing financial distress due to unsecured loans. By accessing or using our services, you agree to be bound by the following Terms and Conditions.
Please read them carefully.

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1. Nature of Services

Shubhchintak is not a lender. We do not provide loans, loan consolidation, or balance transfer services. Our services are strictly limited to:

• Negotiating unsecured loan settlements on behalf of clients
• Assisting with online arbitrations initiated by banks
• Helping customers respond to legal notices
• Providing legal and documentation support during the settlement process
• Offering protection and awareness against unethical recovery practices

2. Loan Types Covered

1. We only deal with:
• Personal Loans
• Credit Card Dues
• NBFC Loans
• App-Based Instant Loans


2. We do not handle:
1. Secured Loans, such as:
• Home Loans
• Auto Loans
• Gold Loans
• Loan Against Property
2. Government-Backed Loans, such as:
• Mudra Loans
• PMEGP Loans
• MSME or Startup Scheme Loans

3. Payment & Responsibility

• Shubhchintak does not pay or settle your loans on your behalf. Our role is to negotiate and facilitate the settlement process with the lenders.
• It is the client's sole responsibility to make any payment required to complete the settlement agreed upon with the lender.
• We offer legal and negotiation support only and do not collect or disburse any loan or settlement amount to or from banks.

4. Fee Agreement & Discontinuation of Service

• All service-related fees must be paid by the client as per the terms agreed upon in writing or via signed agreement.
• If the client fails to make the required payments as per the agreed terms, Shubhchintak reserves the right to immediately discontinue all services, including negotiation and legal support.
• No further action or support will be taken on the client's behalf until all outstanding dues are cleared.

5. No Guarantee Clause

• While we aim to provide the best possible support in negotiations and legal guidance, Shubhchintak does not guarantee:
  1. A specific outcome in loan settlement
  2. Acceptance of a particular offer by the lender
  3. Waiver of outstanding dues
• All settlements are subject to the lender's discretion and financial policy.

6. Eligibility

• To use our services, you must:
  1. Be an Indian resident
  2. Be 18 years of age or older
  3. Be the borrower or legally authorized to act on behalf of the borrower

7. Legal & Ethical Use

• By using our platform, you agree to:
  1. Provide accurate and truthful information
  2. Not misuse the service for fraudulent or illegal activities
  3. Not impersonate others or submit documents that are false or misleading

8. Limitation of Liability

• Shubhchintak, its team, affiliates, and partners shall not be liable for:
  1. Any decisions made by the lender or bank
  2. Legal consequences arising from client-provided misinformation
  3. Delays or disruptions beyond our control

9. Amendments

• These terms may be updated or modified at any time without prior notice. Continued use of the website or services after changes implies your acceptance of the updated terms.

10. Contact Us

• For questions or clarifications, you can reach us at:
  Email:  info@shubhchintak.org.in
  Phone:  +91 73031 21339
  Website:   https://shubhchintak.org.in