Privacy Policy

Last Updated: August 26, 2026

This Privacy Policy describes how ApexMatrix Software Solutions Pvt Limited (“ClearMyDebt”, “we”, “us”, “our”), operating the website www.clearmydebt.in (the “Site”) and providing debt settlement and negotiation support services (the “Services”), collects, uses, discloses, and protects the personal information of individuals who use the Site or avail the Services (“you”, “your”). This Policy has been drafted with reference to the Digital Personal Data Protection Act, 2023, read with the Digital Personal Data Protection Rules, 2025 (together, the “DPDP Act”), and the Information Technology Act, 2000 and rules made thereunder.

ClearMyDebt is a debt settlement and negotiation support service. We are not a bank, NBFC, or lender, and we do not provide loans, credit facilities. We do not fall within the scope of the RBI Digital Lending Directions or the RBI KYC Master Direction, as we do not originate, service, or disburse credit.

1. Information We Collect

1.1 Information you provide to us:

  • Identity and contact details: full name, phone number, email address, and city/location
  • Debt information: names of your existing lenders/creditors, type and amount of outstanding unsecured debt (credit cards, personal loans, BNPL/digital credit), days-past-due status, and EMI amounts
  • Financial capacity information: your approximate income and repayment capacity, as shared by you, used to assess a realistic resolution plan
  • Harassment or legal-action details: information about collection calls, visits, or legal notices you have received, where you choose to share this with us
  • Identity verification documents: government-issued ID proof, where required to confirm your identity before we act on your behalf with a lender
  • Communication records: recordings or transcripts of calls, chats, WhatsApp messages, or emails between you and our team

1.2 Information collected automatically: device identifier, IP address, browser type, and pages visited on the Site, collected only for security, fraud prevention, and site-improvement purposes.

1.3 We do not collect Aadhaar, PAN, bank account credentials, credit bureau reports, or biometric data as part of onboarding you for our Services. If any such information becomes necessary for a specific case, we will seek your specific, informed consent at that time and explain why it is needed.

2. How We Use Your Information

Our primary goal in collecting the information is to deliver the Services to you. We use it to:

  • Assess your eligibility for a settlement or resolution program
  • Communicate and negotiate with your existing lenders/creditors or their authorised collection agents on your behalf
  • Prepare and document settlement proposals and agreements
  • Track your case status and payments under an agreed settlement plan
  • Respond to your queries and resolve grievances
  • Improve our Site and Services, and prevent fraud or misuse
  • Comply with applicable law, including lawful requests from courts, regulators, or law-enforcement authorities

3. Communication Preferences

Once you submit your details to us, we may contact you by phone, SMS, WhatsApp, or email regarding your case, including on a number registered on the National Customer Preference Register (NCPR/DND), for the limited purpose of servicing your enquiry or case. You may ask us to use only an alternate number, or opt out of non-essential communication, at any time by writing to support@clearmydebt.in.

4. Disclosure of Information

We do not sell your personal information. We may share it only with:

  • The lender(s)/creditor(s) or their authorised representatives with whom we are negotiating on your case
  • Legal, documentation, or payment-processing partners engaged strictly to deliver the Services to you
  • Regulators, courts, or law-enforcement authorities, where required by law
  • A successor entity in the event of a merger, acquisition, or sale of business, subject to equivalent confidentiality obligations

Any third party we engage is contractually restricted to using your information only to assist us in delivering the Services to you, and for no other purpose.

5. Your Rights

Under the DPDP Act, you have the right to:

  • Access the personal information we hold about you
  • Correct or update inaccurate or incomplete information
  • Withdraw consent previously given, at any time
  • Request erasure of your personal information, subject to our legal and contractual retention obligations

To exercise any of these rights, contact our Grievance Officer (Section 9).

6. Data Retention

We retain your personal information only for as long as necessary to deliver the Services, resolve your case, respond to queries or disputes, and comply with applicable law. Once there is no legal, contractual, or business need to retain your data, it is securely deleted or anonymised.

7. Security

We use reasonable administrative, technical, and physical safeguards — including secure servers, encryption in transit, and access controls limited to authorised personnel — to protect your information from unauthorised access, alteration, or disclosure. No method of transmission or storage is completely secure, and while we work to protect your information, we cannot guarantee absolute security.

8. Children's Privacy

Our Services are intended for individuals aged 18 and above. We do not knowingly collect personal information from anyone under 18.

9. Grievance Officer

In accordance with the Information Technology Act, 2000, and the DPDP Act, the name and contact details of our Grievance Officer are:

Name: Danish ali

Phone: +91 7880174810

Email: Danishali@clearmydebt.in

Address: 4th Floor, H. No. 262, Opposite Mahabally Canteen, Westend Marg, Said-ul-Ajaib Extension, Saket, South West Delhi, New Delhi – 110030

We will make reasonable efforts to acknowledge and address your grievance promptly.

10. Changes to this Policy

We may update this Privacy Policy periodically. Material changes will be notified via the Site or by email, SMS, or WhatsApp. Continued use of the Site or Services after such notice constitutes acceptance of the revised Policy.

11. Contact Us

For any questions about this Policy, write to support@clearmydebt.in.