Privacy Policy

1. Commitment to Client Confidentiality

At Clear Legal (operating through clearlegal.co.in), we recognize that matters relating to financial distress, loan defaults, recovery agent interactions, and legal notices involve highly sensitive personal information. We are committed to maintaining the highest standards of confidentiality, data security, and professional ethics in accordance with the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

2. Information We Collect

To provide tailored legal advisory, anti-harassment representation, and debt settlement assistance, we collect information voluntarily provided by you, including:

• Identity & Contact Data: Full legal name, permanent address, contact telephone/WhatsApp numbers, official email address, PAN card, and Aadhaar card (for identity verification).
• Financial & Liability Information: Details of outstanding unsecured/secured loans, credit card statements, lender names (Banks/NBFCs/Loan Apps), total outstanding balance, EMI default status, monthly income, and spouse/family financial dependency details.
• Legal & Harassment Records: Copies of bank legal notices, Section 138 (Cheque Bounce) notices, Section 25 (Payment and Settlement Systems Act) notices, call logs, audio recordings, WhatsApp messages, or evidence of harassment by third-party recovery agents.
• Transaction Data: Records of retainer fees or consultation charges processed securely via authorized payment gateways. We do not store your credit/debit card numbers, UPI PINs, or net banking passwords.

3. Purpose and Legal Basis of Data Processing

Your data is processed strictly for legitimate legal and operational purposes:

• Evaluating client eligibility for structured one-time loan settlements (OTS) and waiver negotiations.
• Drafting statutory reply notices, anti-harassment cease-and-desist notices, and complaints to the RBI Ombudsman or Banking Police Authorities.
• Directly communicating with Banks, NBFCs, ARCs (Asset Reconstruction Companies), and recovery agencies on your behalf under a formal Letter of Authority.
• Updating you on case proceedings, legal milestones, and fee receipts through our CRM portal, SMS, email, or WhatsApp.

4. Non-Disclosure & Strict Data Protection

We strictly adhere to a zero-monetization policy: Clear Legal does not sell, rent, lease, barter, or trade your personal or financial data to any third-party marketing companies, telemarketers, or unauthorized external entities.

Data is only shared internally with our assigned advocates, paralegals, and operational managers who are bound by strict non-disclosure obligations (NDAs). External disclosure occurs solely when mandated by competent courts of law, regulatory directives from the Reserve Bank of India (RBI), or statutory enforcement agencies.

5. Technical Security & Data Retention

All electronic data submitted via our portal is encrypted using enterprise-grade 256-bit Secure Socket Layer (SSL) encryption. Backend databases are secured with Row Level Security (RLS) policies to prevent unauthorized cross-user access. Documents and communication logs are retained for the duration of the retainer engagement and archived securely in compliance with legal statutory requirements.

6. Grievance Redressal Officer

For any queries, data modification requests, or privacy-related grievances, you may contact our designated Grievance Officer: