Privacy Policy

1. Personal information we collect

Through the website enquiry form we ask for your name, mobile / WhatsApp number, optional email, city and what you need help with. The form prepares a WhatsApp message; you choose whether to send it.

If you engage our services, we may later request documents such as your credit reports, loan closure letters, NOCs, payment proofs and identity details needed for verification. These are collected through a separate, appropriate process, never through the public enquiry form.

2. Purpose of collection

• To respond to your enquiry and understand your concern.
• To provide the credit report advisory and dispute support you authorise.
• To communicate with you about your case, fee and next steps.
• To meet applicable legal and record-keeping obligations.

3. Consent

We process your information on the basis of your consent, given when you submit an enquiry or engage our services. You may withdraw consent at any time by contacting us; this will not affect processing already carried out, but we may be unable to continue the service.

4. Use and access

Your information is used only for the agreed service purpose and is accessed only by the people handling your case. We do not sell your information or use it for unrelated marketing.

5. Storage and protection

We take reasonable steps to keep information secure, including limiting access and using secure channels for documents. This website itself does not store enquiry form details.

6. Sharing

With your authorisation, relevant information may be shared with credit bureaus and lenders solely to raise and follow up on disputes. We may also disclose information where required by law.

7. Retention and deletion

We retain information only for as long as needed for the service and applicable legal requirements, after which it is deleted or anonymised. You may request deletion earlier, subject to legal obligations.

8. Your rights

• Request access to the personal information we hold about you.
• Request correction or completion of inaccurate information.
• Request erasure, subject to legal requirements.
• Withdraw consent.
• Raise a grievance with us, and thereafter with the appropriate authority.

9. Grievance contact

For privacy questions or grievances, contact Saleha Ayaz Sayani using the details below. We aim to acknowledge grievances promptly.