Grievance Redressal
Last Updated: November 2, 2026
Lightbees Technologies Private Limited (operating as AbleCredit) has appointed a Grievance Officer to address complaints from users of the AbleCredit Platform, in accordance with Rule 3(2) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, as amended.
Grievance Officer
| Name | Karthik Shanmugham |
| Designation | Grievance Officer |
| Company | Lightbees Technologies Private Limited (operating as AbleCredit) |
| [email protected] | |
| Address | HD-093, WeWork Salarpuria Symbiosis, Arekere Village, Bannerghatta Road, Bengaluru – 560076, Karnataka, India |
How to Raise a Complaint
Send your complaint in writing to [email protected], with the subject line "Grievance – [brief description]", or by post to the address above.
To help us resolve your complaint quickly, please include:
- Your name and contact details (email and/or phone number);
- The name of your organisation (Lender), if applicable;
- A clear description of the complaint;
- Where the complaint relates to specific content, details sufficient to identify it (for example, a link, screenshot, session ID, or date and time);
- Any supporting documents.
You may raise a complaint about any aspect of the Platform, including data privacy, content on the Platform, account suspension, or any matter arising under our Terms of Service or Privacy Policy.
Response Timelines
| Type of Complaint | Timeline |
|---|---|
| Acknowledgement of all complaints | Within 24 hours of receipt |
| General complaints | Resolved within 7 days of receipt |
| Requests to remove prohibited content under Rule 3(1)(b) of the IT Rules (other than sub-clauses (i), (iv) and (xi)) | Acted upon and resolved within 36 hours of receipt |
| Content that exposes a person's private area, shows full or partial nudity or a sexual act, or impersonates a person (including artificially morphed or AI-generated images), reported by that person or someone on their behalf | Removed or access disabled within 2 hours of receipt |
Where resolution of a general complaint requires additional time, we will inform you in writing of the reasons and the expected timeline.
If You Are Not Satisfied
If you are not satisfied with the Grievance Officer's resolution, you may appeal to the Grievance Appellate Committee constituted by the Government of India under Rule 3A of the IT Rules, within 30 days of receiving the Grievance Officer's decision. You may also escalate the matter to the relevant regulatory authority or pursue other legal remedies available under Indian law.