TERMS & CONDITIONS

NPA Helpline — Consultation Services

1. About Our Services

NPA Helpline provides professional consultation and guidance relating to Non-Performing Assets (NPAs), banking matters, stressed assets, Debt Recovery Tribunal (DRT) proceedings, restructuring, settlements and related financial issues.

2. Nature of Consultation

Our consultations are intended to help clients understand their situation, identify matters requiring attention and explore possible courses of action. The guidance provided is based on the information shared by the client and the scope of the consultation.

3. No Guarantee of Outcomes

NPA Helpline does not guarantee any particular result, including settlement with a bank, restructuring approval, recovery, funding, waiver of dues or a favourable legal or financial outcome. Decisions remain subject to the relevant bank, financial institution, authority, tribunal or other concerned party.

4. Client Responsibility

Clients are responsible for providing accurate and complete information. Any recommendations may be affected by the accuracy and completeness of the information supplied.

5. Consultation Booking and Payment

Consultations are subject to availability and confirmation. Payment must be completed through the designated payment method. The applicable consultation fee and service details will be displayed before payment.

6. Professional Scope

Consultation does not automatically include legal representation, filing of pleadings, appearance before a tribunal or court, preparation of extensive documents, or other work beyond the agreed scope. Any additional engagement must be agreed separately.

7. Confidentiality and Privacy

Information shared by clients will be handled in accordance with our Privacy Policy and applicable law.

8. Contact

For questions concerning these terms or our services, contact:

NPA Helpline
Email: npahelpline.com@gmail.com
Phone: +91 91111 10445
Location: Indore, Madhya Pradesh, India

By booking or paying for a consultation, the client acknowledges these Terms & Conditions.

CANCELLATION & REFUND POLICY

NPA Helpline — Consultation Services

1. Consultation Bookings

Consultations are scheduled subject to availability and confirmation of the selected date and time.

2. Cancellation and Rescheduling

Clients who wish to cancel or reschedule a consultation should contact NPA Helpline as early as possible using the contact details provided below.

3. Refund Requests

Refund requests will be reviewed based on the circumstances of the booking, whether the consultation has commenced or been delivered, and any applicable legal requirements. Approved refunds will be processed through the original payment method wherever possible.

4. Missed Appointments

If a client does not attend a scheduled consultation, the client should contact NPA Helpline to discuss whether rescheduling is possible. Rescheduling or refunds are not automatic.

5. Technical or Payment Issues

If payment is deducted but the booking is not confirmed, or a payment is made more than once, please contact us with the transaction details so the issue can be investigated.

6. Contact for Refunds and Cancellations

NPA Helpline
Email: npahelpline.com@gmail.com
Phone: +91 91111 10445
Location: Indore, Madhya Pradesh, India

This policy is subject to applicable law and the terms presented at the time of booking.

PRIVACY POLICY

NPA Helpline

1. Information We Collect

NPA Helpline may collect information such as your name, contact details, business information and details you voluntarily provide when requesting a consultation or completing an account health assessment.

2. How We Use Information

Information may be used to:

• Respond to enquiries and consultation requests.

• Understand your stated banking or financial concerns.

• Provide consultation services and related communications.

• Process payments and manage bookings.

• Improve our services and maintain business records.

3. Payments

Online payments are processed through the designated payment service provider, such as Razorpay. Payment processing may be subject to the provider’s own terms and privacy policy. We do not intend to collect or store your full card details, UPI PIN or banking passwords.

4. Sharing of Information

We do not sell personal information. Information may be shared with service providers where necessary to operate our services, process payments or manage bookings, or where disclosure is required by law.

5. Confidentiality

Please share only information necessary for your enquiry or consultation. Avoid sending passwords, PINs, OTPs or other authentication credentials. Any documents or financial details you share will be handled with reasonable care and used for the relevant service, subject to applicable law.

6. Data Security and Retention

We take reasonable steps to protect information under our control. Information may be retained for as long as reasonably necessary for service delivery, record-keeping, dispute resolution and legal compliance.

7. Your Requests

You may contact us to request access to, correction of, or deletion of personal information, subject to applicable legal and record-retention requirements.

8. Contact

For privacy-related questions or requests, contact:

NPA Helpline
Email: npahelpline.com@gmail.com
Phone: +91 91111 10445
Location: Indore, Madhya Pradesh, India

This policy should be read alongside our Terms & Conditions and Cancellation & Refund Policy.

CONTACT & GRIEVANCE SUPPORT

For questions regarding consultation bookings, payments, cancellations, refunds, or privacy-related concerns, please contact NPA Helpline.

Business Name: NPA Helpline
Email: npahelpline.com@gmail.com
Phone: +91 91111 10445
Location: Indore, Madhya Pradesh, India

Please include your booking reference or payment transaction ID when contacting us about a payment issue. Do not include your UPI PIN, password, OTP or other confidential authentication details.

We will review your concern and respond as reasonably practicable.