Recovery and Legal Disclaimer

What Kenstone is, and is not

1. We are a consultant appointed by a creditor. Kenstone acts for its client, the business that is owed money. We are not the creditor. We do not buy debts and we do not collect in our own name. When we write or call, we say which client we act for.

2. We do not decide whether a debt is owed. Kenstone does not adjudicate liability, quantum or defences. Our acceptance of a claim for collection is not a finding that the claim is valid, undisputed or enforceable, and a debtor's obligation is determined by its contract with the creditor and, if necessary, by a court, tribunal, arbitrator or Facilitation Council.

3. We are not a court, the police, a government body, a lender, an asset reconstruction company or a credit bureau. Nothing we send is a court document. We do not report to credit bureaus, and we will never suggest that non-payment of a commercial debt is a crime or will lead to arrest.

4. We are not a law firm. Kenstone Capital Debt Consulting Private Limited is not constituted as a law firm and its employees do not provide legal advice or appear for clients. Where a matter needs legal advice or representation, it is provided by an independent advocate or law firm engaged for that purpose, who owes professional duties to the client. Our empanelled law firm is TrueNorth Legal Partners, which is associated with the Kenstone group; a client may instead choose its own advocate. Kenstone provides recovery consulting, documentation support, coordination and case management, and does not share in any advocate's fees.

What we do not guarantee

5. No amount, no timeline, no outcome. Recovery depends on the documents, the limitation position, disputes raised, the debtor's solvency and conduct, the client's cooperation, and the pace of courts, tribunals and councils. Any estimate we give of likelihood or timing is an opinion given in good faith on the information we have at the time.

6. Legal proceedings need a separate assessment. Whether a demand notice, a summary suit, a commercial suit, arbitration, mediation, a reference to a Micro and Small Enterprises Facilitation Council, a complaint under section 138 of the Negotiable Instruments Act, 1881, or an application under section 9 of the Insolvency and Bankruptcy Code, 2016 is available depends on the facts and on legal eligibility — including the instrument, the amount, the limitation period, any pre-existing dispute, the debtor's registration and status, and the forum's rules. We do not guarantee admission, interim relief, judgment, award, insolvency admission, execution or recovery.

7. Insolvency is not a pressure tool. An application under the Insolvency and Bankruptcy Code is a statutory process with a minimum default (₹1 crore at the date of this notice, by notification of 24 March 2020), a dispute defence and serious consequences for the debtor. It is considered only on legal advice and the client's written approval, and it is never threatened where it is not available or not intended.

8. Costs may be additional. Advocate fees, court and tribunal fees, stamp duty, arbitration and mediation costs, travel and statutory charges are separate from Kenstone's fee, are disclosed in writing before they are incurred, and may be payable whether or not any amount is recovered. See the Fees, Cancellation and Refund Policy.

About this website

9. Information, not advice. Guides, calculators and answers on this website describe Indian law and practice as generally understood on the date shown on each page. Statutes, thresholds and procedures change. Nothing here is legal, financial or tax advice, and reading it does not create any adviser–client relationship.

10. Case studies and results. Any case we publish comes from engagement records, with the client's written consent, with the debtor's identity withheld. The result of one engagement does not indicate what any other matter will recover.

11. Third-party names. References to statutes, regulators, courts, registries, group companies or other organisations are for information. No third-party name or mark on this website implies that it endorses, authorises or regulates Kenstone.

12. Regulated-entity work. Kenstone is not licensed or registered by the Reserve Bank of India, SEBI, IRDAI or any financial regulator, and does not claim to be. Where Kenstone acts for a bank or financial institution — including in enforcement of security interest under the SARFAESI Act — it does so as an agency empanelled by that lender under the lender's own process, as the Reserve Bank's guidelines require. Empanelment by a lender is not a licence from, or an endorsement by, the Reserve Bank of India.

Contact

Kenstone Capital Debt Consulting Private Limited · Registered office: Lakshmi Nilaya, 1st Main, 2nd Cross, Ranganatha Extension, Gopala, Shivamogga, Karnataka 577205 · Corporate office: Sabari Complex, Field Marshal Cariappa Road, Shanthala Nagar, Ashok Nagar, Bengaluru 560025 · +91 80 6824 8827 · info@kenstonecapital.in

Earlier versions of this document are available on request from info@kenstonecapital.in. Questions or complaints: Grievance Redressal Policy.