RBI rules: read the RBI guidelines on loan settlement and recovery
  • Already in force: lenders and recovery agents must not call you for overdue loans before 8 AM or after 7 PM
  • Credit report correction not done within 30 days of your complaint? You get ₹100 for each day of delay
  • Recovery agents must not threaten, humiliate or harass you, your relatives, friends or co-workers
  • From 1 Jan 2027, banks must also tell you the recovery agency’s details at least one day before its first visit
  • From 1 Jan 2027, banks must list their recovery agencies on their website
  • Lenders agree settlements under their own Board-approved policy; it is not an automatic right
  • After a compromise settlement, lenders wait at least 12 months before lending to you again (non-farm loans)
  • No reply from your bank in 30 days, or unhappy with it? You can complain to the RBI Ombudsman at cms.rbi.org.in
Your Privacy

Privacy Policy

Last updated: 10 October 2026. This page explains what information Debt Support Expert collects through this website, why, and who it is shared with.

1. Information We Collect

When you fill in a form on this website we collect what you enter, such as:

  • Contact details: name, mobile number and, if you give it, email address.
  • Debt details: loan type, approximate outstanding amount, payment situation, main concern, whether you received a legal notice, and similar answers.
  • Consent: whether you ticked the consent box.
  • Chat messages: anything you type into the AI chat assistant.

2. How We Use It and Who Receives It

  • To respond to you: we use your form details to contact you by phone, WhatsApp or email about your enquiry.
  • Google Sheets: form submissions are sent from our server to a Google Sheet (via Google Apps Script) that our team uses to manage enquiries.
  • Hosting: the website runs on Google Cloud Run. Our server may keep a temporary copy of submissions.
  • AI chat: messages you type into the chat assistant are sent to Google's Gemini API to generate a reply. Please do not share account numbers, Aadhaar, PAN or other sensitive identifiers in the chat.
  • Analytics: we use Google Analytics 4 to understand how the website is used (pages viewed, button clicks, and that a form was submitted). We do not send your name, phone or email in these analytics events.
  • WhatsApp and phone links: if you tap a WhatsApp or call link, your conversation happens on WhatsApp or your phone network, under their own terms.
  • We do not sell your information.

3. Cookies and Analytics

Google Analytics uses cookies or similar technologies to measure visits. You can block or delete cookies in your browser settings, or use Google's opt-out browser add-on.

4. Retention

We keep enquiry information for as long as needed to respond to you and to handle any work you ask us to do, and then delete it unless we need to keep it for legal reasons.

5. Your Requests and Grievances

You can ask to see, correct or delete the information we hold about you, or withdraw your consent, by emailing support@debtsupportexpert.com or calling +91 79797 89458 (Monday to Friday, 9:00 AM to 5:00 PM IST). Please tell us your name and the phone number you used. Complaints about how we handle your data (grievances) can be sent to grievance@debtsupportexpert.com with the subject "Grievance".