1. Agreement to Terms & Enterprise Scope
These Terms & Conditions (“Terms”) govern access to and use of the software platforms, recovery infrastructure, legal automation engines, and consulting services provided by ClearDu Fintech Private Limited (CIN: U74999GJ2022PTC129797) (“ClearDu”, “Company”, “we”, “us”).
By executing a Service Agreement, logging into our SaaS portals, or accessing our websites, you (“Client”, “User”, “Institution”) acknowledge that you have read, understood, and agreed to be bound by these Terms.
2. Software Platform Licensing & Permitted Use
ClearDu grants enterprise clients a non-exclusive, non-transferable, revocable license to access our proprietary software solutions, including:
- Collexifi: Automated early-bucket to write-off loan portfolio recovery management SaaS.
- Notifi X: High-throughput speed post notice generation, dispatch tracking, and proof-of-delivery archival engine.
- SARFAESI 360: End-to-end Section 13(2), 13(4), and Section 14 CMM/DM court application workflow automation.
- Voicebot AI: Multi-lingual conversational voice calling and borrower nudge engine.
Prohibited Actions: Users shall not reverse engineer, decompile, resell, or create derivative works from the platform architecture, nor execute unauthorized security penetration tests without prior bilateral written consent.
3. Regulatory Adherence & Debt Recovery Agent (DRA) Standards
ClearDu strictly adheres to the RBI Fair Practices Code and IBA Guidelines on recovery operations. All tele-calling personnel, field representatives, and operational supervisors operate under mandatory IIBF DRA (Debt Recovery Agent) certifications. Harassment, abusive language, non-compliant communication timings, or breach of borrower privacy is strictly prohibited.
4. Service Level Agreements (SLA) & High Availability
ClearDu commits to maintain a 99.9% platform availability for core SaaS environments, excluding scheduled maintenance windows announced with at least 48 hours prior notice. Real-time system monitoring, automated failovers, and hourly encrypted backups ensure enterprise business continuity.
5. Intellectual Property & Confidentiality
All platform source code, design systems, algorithms, APIs, trademarks, and documentation remain the exclusive intellectual property of ClearDu Fintech Private Limited. All loan book data, borrower details, and institutional credentials provided by partners are classified as Strict Confidential Information under executed Non-Disclosure Agreements (NDAs).
6. Limitation of Liability & Indemnification
To the maximum extent permitted by applicable Indian law, ClearDu shall not be liable for indirect, incidental, special, or consequential damages resulting from telecommunication carrier outages, third-party postal delays, or force majeure events. Each party agrees to indemnify and hold harmless the other from third-party claims arising from gross negligence or willful misconduct.
7. Governing Law & Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the Republic of India. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts in Ahmedabad, Gujarat, India.