Terms and Conditions

Please carefully read and ensure that you understand these terms and conditions of use before using this website/services. All use of Cleardebt Pathway’s services and access to the website is subject to the Terms and Conditions set forth below (“Terms”).

Agreement to Terms

By agreeing to the terms herein below, you consent to be bound by these terms unconditionally. The privacy policy is available at [include privacy policy link] (“Privacy Policy”) and the same is an integral part of this agreement between You and us. We recommend that you review it before you access the website or avail of any of the services.

These terms and the Privacy Policy together constitute a legal agreement (“Agreement”) between You (“User”, including its “partners”, “directors”, “associates”, or “agents”) and ClearDebt Pathway (“we”, “us”, or “ClearDebt Pathway”) in connection with your visit to the website and use of our debt settlement, negotiation services, and financial solutions accessible through the website, mobile, or any other applications.

This agreement defines the terms and conditions under which You are allowed to avail of the services and governs the relationship between ClearDebt Pathway and You. In case of any questions about any part of the agreement, feel free to contact us at [your contact email, e.g., info@cleardebtpathway.com].

This agreement supersedes all oral and written terms, conditions, policies, or communications (if any) between ClearDebt Pathway and You. By visiting the website/availing of any service from ClearDebt Pathway, you signify your acceptance of the terms of this agreement.

Changes to Terms or Services

We may periodically update these Terms and Conditions. All revisions will be posted prominently on our official website at [Your Website URL] and will be publicly accessible in the website footer section. ClearDebt Pathway retains the exclusive right to amend or discontinue any portion of this agreement at our discretion and without prior notice.

By continuing to use our website or services after such modifications take effect, you acknowledge and agree to be bound by the updated terms. Should you disagree with any provision of this agreement, we respectfully ask that you discontinue use of our website and services immediately.

Please note that access to and use of our digital platforms and services remains subject to ClearDebt Pathway's sole discretion. We reserve the right to restrict or terminate access at any time for any reason consistent with these terms.

Who may use Cleardebt Pathway’s Services?

To utilize ClearDebt Pathway's services, you must meet the following requirements:

  • Age Requirement: Be at least 18 years of age to register, access our website, or engage with our services.
  • Business Representation: Act as an authorized representative of a business entity with outstanding debts or receivables.
  • Legal Capacity: Not be prohibited from using our services under any applicable laws or regulations.

Prior to accessing our debt resolution services, you must execute a formal Service Agreement with ClearDebt Pathway.

By registering, accessing our website, or utilizing our services, you expressly confirm and guarantee that:

  • You meet the minimum age requirement of 18 years
  • You possess legal capacity to enter into binding agreements under applicable contract law
  • You have proper authorization to represent the business entity seeking our services
  • You fully comprehend and accept all terms outlined in this Agreement (including our Terms and Conditions and Privacy Policy)
  • You voluntarily enter into this legally binding Agreement with ClearDebt Pathway

General Prohibitions

By using our services, you agree not to engage in any of the following restricted activities:

  • Legal Compliance: Violate any applicable laws or regulations in your jurisdiction
  • Content Restrictions: Transmit or upload any unlawful material through our platform
  • Intellectual Property: Copy, display, mirror, or frame any element of our services, including but not limited to:
    • ClearDebt Pathway trademarks, logos, or branding elements
    • Proprietary website layouts, designs, or page structures
  • System Integrity: Attempt to access or interfere with:
    • Secure, non-public areas of our services
    • Our internal computer systems
    • Infrastructure of our service providers
  • Security Measures: Circumvent or disable any protective technologies we implement to safeguard our services
  • Unauthorized Use: Utilize our services or content for:
    • Commercial purposes without authorization
    • Third-party benefit
    • Any activity not expressly permitted by this Agreement
  • Reverse Engineering: Attempt to decompile, disassemble, or reverse engineer any software components of our platform
  • Service Disruption: Interfere with or disrupt service operations, including by:
    • Distributing malware or harmful code
    • Overloading systems through flooding or spamming
  • Automated Access: Employ automated tools (including bots, scrapers, or crawlers) to:
    • Extract data from our services
    • Monitor or replicate service functionality
  • API Restrictions: Bypass or modify our API security protocols, or make unauthorised API calls

General Prohibition: Assist or enable others to violate these restrictions

Intellectual Property

All content, software, and service delivery systems developed and utilized by ClearDebt Pathway - whether accessed through our website, mobile applications, or other digital platforms - are protected under applicable intellectual property laws. This protection extends to both domestic Indian statutes and relevant international copyright, trademark, and patent regulations.

Changes

Notwithstanding the provisions in our "Changes to Terms or Services" section, should ClearDebt Pathway modify this Agreement after your initial acceptance (or acceptance of any subsequent amendments), you retain the right to formally object to such changes. To exercise this right, you must submit a written notice of objection to our designated email address at [your contact email, e.g., legal@cleardebtpathway.com].

Applicable Law and Dispute Settlement

Applicable Law:

This Agreement and all contractual obligations between ClearDebt Pathway and you shall be governed by and construed in accordance with the laws of India.

Dispute Resolution Process:

Any disputes arising from or relating to this Agreement, including questions regarding its scope or enforceability, shall be resolved through the following process:

  1. Mandatory Mediation: Parties shall first attempt to resolve the dispute through mediation administered by [Insert Mediation Service Provider], conducted by a single mediator under their mediation rules.
  2. Arbitration: If mediation fails, the dispute shall be referred to binding arbitration before a sole arbitrator appointed by [Insert Arbitration Service Provider], conducted under their arbitration rules in accordance with the Arbitration and Conciliation Act, 1996.

Procedural Details:

  • The seat of arbitration shall be [Your Preferred City, e.g., Mumbai].
  • All arbitration proceedings and awards shall be conducted in English.
  • The arbitrator's decision shall be final and binding on both parties.

Disclaimers

  1. No Financial or Legal Advice
    ClearDebt Pathway provides debt settlement and negotiation services designed to assist businesses in managing and resolving debt. All information, materials, and services offered on this website are for general informational purposes only and do not constitute legal, financial, or professional advice. Users should consult with qualified financial advisors, accountants, or legal counsel before making any financial decisions.
  2. No Guarantees of Outcome
    While ClearDebt Pathway is committed to delivering expert solutions and strives for the best possible results, we do not guarantee any specific outcome or result from the use of our services. Debt settlement outcomes depend on various factors, including but not limited to, creditor cooperation, the amount of debt, and the financial circumstances of each client. Past performance is not indicative of future results.
  3. Third-Party Content and Services
    Our website may contain links to third-party websites or resources. ClearDebt Pathway does not endorse, control, or take responsibility for the content, privacy policies, or practices of any third-party websites or services. Accessing such resources is at the user’s own risk.
  4. Service Availability
    ClearDebt Pathway makes every effort to ensure the availability and accuracy of its services and website. However, we do not warrant that the website or services will be uninterrupted, error-free, or free from viruses or other harmful components. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without notice.
  5. Limitation of Liability
    To the fullest extent permitted by law, ClearDebt Pathway, its affiliates, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of our website or services, even if we have been advised of the possibility of such damages.
  6. User Responsibility
    Users are solely responsible for the decisions they make based on the information and services provided by ClearDebt Pathway. It is the user’s responsibility to ensure that any services or information available through this website meet their specific requirements.

Limitation of Liability

To the fullest extent permitted by applicable law, ClearDebt Pathway, including its affiliates, directors, officers, employees, agents, partners, and licensors, shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages, including but not limited to loss of profits, revenue, goodwill, data, or other intangible losses, arising out of or in connection with:

  • The use or inability to use our website, services, or any information provided;
  • Any reliance placed by you on the completeness, accuracy, or existence of any content or services provided by ClearDebt Pathway;
  • Any unauthorized access to or alteration of your transmissions or data;
  • Any statements or conduct of any third party on our website or in connection with our services;
  • Any other matter relating to our website, services, or these Terms and Conditions.

ClearDebt Pathway’s total liability to you for any claim arising out of or relating to these Terms and Conditions, the website, or our services, regardless of the form of action, shall not exceed the amount paid by you, if any, for accessing or using our services during the twelve (12) months preceding the claim.

Nothing in these Terms and Conditions shall exclude or limit liability for death or personal injury caused by negligence, fraud, or any liability that cannot be excluded or limited under applicable law.

By using our website and services, you acknowledge and agree that you assume full responsibility for your use and that ClearDebt Pathway’s liability is limited as described above.

Indemnity

You agree to indemnify, defend, and hold harmless ClearDebt Pathway, its affiliates, directors, officers, employees, agents, and representatives (collectively, the “Indemnified Parties”) from and against any and all claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to:

  • Your use of or access to the ClearDebt Pathway website or services;
  • Your violation of these Terms and Conditions or any applicable law or regulation;
  • Any breach of your representations, warranties, or obligations under any agreement with ClearDebt Pathway;
  • Any negligent or wrongful act or omission by you or any person acting on your behalf.

This indemnity extends to claims brought by third parties, including but not limited to claims arising from your business operations, content you submit, or disputes with creditors or other parties.

ClearDebt Pathway reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. In such a case, you agree to cooperate fully with ClearDebt Pathway in asserting any available defenses.

This indemnity obligation will survive the termination or expiration of your relationship with ClearDebt Pathway and the conclusion of any services provided.

Severability

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court or other competent authority, that provision shall be deemed severed from these Terms and Conditions and shall not affect the validity and enforceability of the remaining provisions. The remaining provisions will continue in full force and effect.

To the extent permitted by law, any invalid, illegal, or unenforceable provision shall be replaced by a valid, legal, and enforceable provision that most closely reflects the original intent and purpose of the invalid provision, consistent with the overall objectives of ClearDebt Pathway to provide transparent, effective, and professional debt settlement services.

This Severability clause ensures that the rights and obligations of both parties remain intact and enforceable, even if part of these Terms and Conditions is determined to be unenforceable.

Waiver

No failure or delay by ClearDebt Pathway in exercising any right, power, or remedy under these Terms and Conditions shall operate as a waiver of that right, power, or remedy, nor shall any single or partial exercise of any such right, power, or remedy preclude any other or further exercise of it or the exercise of any other right, power, or remedy. Any waiver by ClearDebt Pathway of any provision of these Terms and Conditions will be effective only if made in writing and signed by an authorized representative.

A waiver of any breach or default shall not constitute a waiver of any subsequent breach or default, and no waiver shall be construed as a continuing waiver unless expressly stated. All rights and remedies under these Terms and Conditions are cumulative and do not exclude any rights or remedies provided by law.

This clause ensures that ClearDebt Pathway retains all contractual rights and remedies unless expressly waived in writing, supporting the company’s commitment to clarity, transparency, and professional standards.