Terms & Conditions

This website is owned and operated by Travancore Chamber, a law firm founded and managed by Adv. Judit Sebastian, practicing before the High Court of Kerala.

1. Authorized Communications

By accessing this website or contacting us, you acknowledge and agree that all communications, including legal notices sent via email, WhatsApp, or other electronic means, are issued strictly under valid authorization from banks, financial institutions, NBFCs, and other lawful clients, in compliance with applicable Indian laws.

2. Debt Recovery & Enforcement

Such communications may include debt recovery notices addressed to defaulting borrowers, including loan and credit card defaulters, and are issued solely for lawful recovery, legal proceedings, and enforcement actions as permitted under law.

3. No Unsolicited Messages

We do not send unsolicited or promotional communications. All communications are made strictly in connection with legitimate, client-authorized legal matters.

4. Prohibited Misuse

Users shall not misuse this website or its communication channels. Any unauthorized use, impersonation, or misuse of information shall attract appropriate legal action.

5. Modifications

We reserve the right to update or modify these terms at any time without prior notice.