Privacy Policy

Privacy Policy

Last Updated: 11/17/2025

Udra – Universal Debt Recovery Agency (“Udra”, “we”, “our”, “us”) is committed to protecting the privacy, confidentiality, and security of personal information entrusted to us. This Privacy Policy outlines how we collect, use, disclose, and safeguard information through our website Udra.com.pk, and in connection with our debt recovery and account management services.

By accessing our website or engaging with our services, you acknowledge and agree to the terms described in this Privacy Policy.

1. Scope of Policy

This Privacy Policy applies to:

  • Debtors whose accounts have been assigned to Udra for collection or recovery

  • Clients (creditors) who engage our services

  • Visitors and users of Udra.com.pk

  • Individuals who contact or interact with us

This Policy complies with applicable privacy, financial, and data protection laws within Pakistan.

2. Information We Collect

2.1 Personal Information

Depending on your relationship with Udra, we may collect the following categories of information:

Debtors

  • Full Name

  • CNIC Number

  • Residential or Mailing Address

  • Contact Details (phone number, email address)

  • Financial and account information related to outstanding debts

  • Employer or reference details, when legally permissible

  • Payment history and transaction records

Clients (Creditors)

  • Business Name and Registration Details

  • Authorized Contact Information

  • Account portfolios and supporting documentation

  • Communication and service records

Website Users

  • Name and Email (via contact forms)

  • Inquiry details or submitted information

2.2 Automatically Collected Information

When you visit our website, we may collect:

  • IP address

  • Browser type and device information

  • Pages viewed

  • Time spent on the website

  • Cookies and tracking data

3. Purpose of Data Collection

We process personal information for the following purposes:

3.1 Debt Recovery Operations

  • Verifying debtor identity

  • Communicating regarding outstanding debts

  • Negotiating and arranging repayment solutions

  • Processing payments securely

  • Maintaining accurate and up-to-date account records

3.2 Client Services

  • Managing assigned portfolios

  • Sending progress reports and updates

  • Validating account details and supporting documentation

  • Facilitating legal proceedings when required

3.3 Website and Communication

  • Responding to inquiries

  • Enhancing user experience and site performance

  • Ensuring website security and fraud prevention

3.4 Legal and Compliance Obligations

  • Meeting regulatory, court-ordered, or law enforcement requirements

  • Retaining records as required by law

4. Legal Basis for Processing

We process personal information under the following legal grounds:

  • Legitimate interests, specifically debt recovery operations

  • Contractual obligations with clients

  • Compliance with legal and regulatory requirements

  • Consent, where explicitly obtained

5. Disclosure of Information

We may share personal information with:

  • Clients (creditors) for account reconciliation and reporting

  • Payment processors and financial service providers

  • Authorized legal and governmental bodies

  • Courts, arbitrators, or law enforcement agencies when required

  • IT, hosting, and security service providers

  • Professional advisors such as auditors or legal counsel

We do not sell, lease, or trade personal information to third parties.

All third parties receiving personal information are required to protect its confidentiality and use it only for the designated purpose.

6. Data Security

We maintain robust administrative, technical, and physical safeguards to protect personal information, including:

  • Encrypted data handling

  • Access controls and user authentication

  • Secure servers and firewalls

  • Regular system monitoring and audits

Despite our efforts, no method of electronic transmission or storage is entirely secure. Udra cannot guarantee absolute security but commits to meeting industry standards and legal requirements.

7. Data Retention

We retain personal information only for as long as necessary to:

  • Fulfill the purpose for which it was collected

  • Comply with legal and regulatory obligations

  • Maintain accurate business and financial records

After retention periods expire, data is securely deleted or anonymized.

8. Your Rights

Subject to applicable laws, individuals may request:

  • Access to their personal information

  • Correction of inaccurate or outdated data

  • Deletion of information (unless restricted by law)

  • Restriction or objection to certain processing activities

  • Withdrawal of consent, where applicable

To exercise your rights, please contact us using the details provided below.

9. Cookies and Tracking Technologies

Udra.com.pk uses cookies to:

  • Improve website functionality

  • Analyze traffic and user behavior

  • Enhance security

You may disable cookies through your browser settings; however, some features may not function properly.

10. Contact Information

For questions, concerns, or data requests, please contact:

Udra – Universal Debt Recovery Agency
Email: info@udra.com.pk
Phone: +92-333-5297919
Website: Udra.com.pk