Terms & Conditions

1. Introduction

Welcome to Due Dost LLC (“Due Dost”, “we”, “us”, or “our”). Due Dost LLC is a professional debt settlement and financial advisory firm incorporated in India, with its principal place of business at Sector 2, Noida, Uttar Pradesh 201301, India.

These Terms & Conditions (“Terms”) govern your access to and use of our website located at duedost.com (the “Website”) and all services offered by Due Dost LLC, including but not limited to debt settlement, credit card settlement, personal loan settlement, and anti-harassment services (collectively, the “Services”).

By accessing our Website, submitting an enquiry, or entering into an engagement agreement with us, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree to these Terms, please refrain from using our Website or Services.

2. Services Described

Due Dost LLC provides the following categories of services:

• Debt Settlement & Negotiation: We act as intermediaries between you (the debtor) and your lenders to negotiate a mutually acceptable one-time settlement (OTS) or structured resolution of outstanding debts.
• Credit Card Settlement: Expert negotiation with banks and NBFCs to settle outstanding credit card dues in accordance with the lender’s internal OTS policies and RBI guidelines.
• Personal Loan Settlement: Advisory and negotiation services to resolve outstanding personal loan EMIs and principal dues with banks, NBFCs, and digital lending platforms.
• Anti-Harassment Service: Legal guidance and representation to protect clients from unlawful recovery agent conduct, in accordance with RBI’s Fair Practices Code and applicable Indian law.

Important clarification: Due Dost LLC is a financial advisory and intermediary firm. We are not a bank, non-banking financial company (NBFC), or moneylender. We do not disburse loans, accept deposits, or hold client funds. All settlement payments are made directly by the client to the lender.

3. No Guarantee of Results

Due Dost LLC commits to applying its best professional efforts in negotiating settlement terms on your behalf. However, settlement outcomes depend on a range of factors outside our control, including:

• The lender’s internal One Time Settlement (OTS) policy and prevailing approval criteria at the time of negotiation.
• Reserve Bank of India (RBI) guidelines and regulatory directives applicable to the lender.
• The age and classification of the outstanding account (NPA status, write-off date, etc.).
• The accuracy and completeness of the information provided by the client.

No specific reduction percentage, settlement amount, or timeline is guaranteed. Any indicative figures mentioned on our Website or in our communications represent typical outcomes based on historical experience and should not be construed as promises or warranties of future performance.

4. Fees & Payment

Due Dost LLC charges fees for the provision of its Services. The specific fee structure, payment schedule, and engagement terms will be communicated to you and agreed upon in writing at the time of onboarding, prior to commencement of any settlement work.

• Non-Refundable Once Work Commences: Fees paid are non-refundable once active work on your case has commenced, including but not limited to lender correspondence, documentation preparation, or negotiation calls. Please refer to our Refund Policy for full details.
• Service Fees Only: Our fees are charged solely for advisory and negotiation services. Settlement amounts payable to lenders are entirely separate and are the client’s sole responsibility.
• Taxes: All applicable taxes (including GST) will be charged in addition to the agreed service fee as per prevailing rates.

5. Client Obligations

As a condition of engaging our Services, you agree to:

• Provide complete, accurate, and up-to-date information regarding your outstanding debts, lender details, account statements, and financial position.
• Promptly inform us of any direct communications received from your lenders, recovery agents, or courts in relation to the debts under our management.
• Refrain from independently negotiating or making payments to lenders with respect to debts we are actively managing, without prior written notification to Due Dost LLC.
• Co-operate fully with our team and provide required documents within reasonable timelines.

Withholding material information, providing false or misleading data, or acting contrary to the above obligations may adversely affect your settlement outcome. In such circumstances, Due Dost LLC shall be indemnified from any resulting loss and may, at its discretion, terminate the engagement without refund.

6. Confidentiality

Due Dost LLC treats all client financial information with the utmost confidentiality. We commit to:

• Using your personal and financial data exclusively for the purpose of negotiating your debt settlement and delivering related services.
• Not selling, renting, or disclosing your information to third parties for marketing or commercial purposes.
• Sharing information with lenders and their representatives only to the extent strictly necessary for settlement negotiations.
• Complying with applicable data protection laws, including the Information Technology Act, 2000 and rules framed thereunder.

For a full description of how we collect, store, and use your data, please read our Privacy Policy.

7. Intellectual Property

All content on this Website — including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software — is the exclusive property of Due Dost LLC or its content licensors and is protected under applicable Indian and international intellectual property laws.

You may not reproduce, duplicate, copy, sell, resell, or exploit any portion of the Website or its content without the express prior written permission of Due Dost LLC. Unauthorised use may give rise to a claim for damages and may constitute a criminal offence under the Information Technology Act, 2000 and the Copyright Act, 1957.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Due Dost LLC’s total aggregate liability arising out of or in connection with these Terms or the Services shall be limited to the total fees actually paid by you to Due Dost LLC in the three (3) months immediately preceding the event giving rise to the claim.

Due Dost LLC shall not be liable for any:

• Decisions made by lenders, banks, NBFCs, or Asset Reconstruction Companies (ARCs) in response to settlement proposals.
• Changes to your CIBIL score, credit rating, or credit report resulting from settlement, default, or any other credit event.
• Actions taken by third parties including recovery agents, law firms engaged by lenders, or courts.
• Indirect, incidental, consequential, or punitive damages of any kind arising from your use of our Services or Website.
• Loss of income, business opportunity, or financial loss arising from reliance on information published on this Website.

9. Governing Law & Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them (including any non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

Any disputes arising under or in relation to these Terms or the Services shall be subject to the exclusive jurisdiction of the competent courts located in Noida, Uttar Pradesh, India. By engaging our Services, you irrevocably submit to this jurisdiction.

10. Amendments to These Terms

Due Dost LLC reserves the right to revise, update, or replace any part of these Terms at any time at our sole discretion. Changes will be effective immediately upon posting to this page, with the “Last Updated” date revised accordingly.

Your continued use of the Website or our Services after any changes are posted constitutes your acceptance of the revised Terms. It is your responsibility to periodically review this page for updates. If you do not agree to the amended Terms, you must cease using our Services and notify us at support@duedost.com.

11. Contact Us

If you have any questions, concerns, or requests regarding these Terms & Conditions, please contact us through any of the following channels:

By using our Services, you confirm that you have read and agree to these Terms & Conditions. For related policies, see our Privacy Policy, Refund Policy, and Disclaimer.