+94 114 411 124 
Contact us
Customer service
Mail address
Schedule
Mon-Fri: 8:00 – 18:00
Address
No 05, Ninth Lane, Nawala Road, Nawala
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Effective date: 26 June 2025
Fair Debt Collection Agency (Pvt.) Ltd. (FDCA) is a recovery company that offers fast and convenient solutions of settlement of Non Performing Loans (NPL) creating a win-win situation for customers, banks, finance institutions and other clients in Sri Lanka.
Use of our website and services tantamounts to your compliance with these terms and conditions and in fact is final and conclusive evidence that you are agreeing to these terms and conditions and to our privacy policy.
These terms and conditions comprise a legal contract between you and FDCA controlling the use of our website and its product and services in terms of the Electronic Transactions Act No. 19 of 2006 of Sri Lanka, in addition and not in derogation to the terms and conditions of any contract we enter into with you for products and services.
From time to time, we may make modifications, changes, or additions to these terms and conditions, as FDCA may deem fit. By continuing to use our website or services after such changes are posted, you indicate your acceptance of the revised terms. FDCA may at its sole and exclusive discretion effect any amendment, revision or modification to any of the above.
It is recommended that you regularly review this page for any updates. These sudden changes will be enforceable with the effect of the date (“Effective Date”) it is published or notified to the registered customers who use the web and / or consume products and services.
Certain sections of the www.fdca.lk website is accessible only to registered account holders. To access these restricted areas, you will need to know your Unique ID (uniq_id) and NIC . You are solely responsible for:
(1) Authorizing, monitoring, and controlling access to your account,
(2) maintaining the strict confidentiality of your uniq_id and NIC,
(3) not sharing your uniq_id and NIC, and;
(4) promptly notifying FDCA in writing if you need to deactivate your account due to security or other concerns.
Hereby it is noted that, FDCA is not liable for any harm resulting from the theft or disclosure of your username or password, or your authorization of others to use our website with your credentials. It is your responsibility to inform FDCA immediately of any unauthorized use of your account or breach of confidentiality. Until we receive this notification and subsequently deactivates a username, you will be held liable for any damages resulting from the use of your account on the website and /or the use of our services.
We collect information provided by you when creating or modifying your account, registering to use our site, making purchases, requesting information, contacting customer support, or engaging in other forms of communication with us, in compliance with the Personal Data Protection Act, No. 9 of 2022 of Sri Lanka.
This information may include your name, address, email address, phone number, bank account details, date of birth, national ID numbers, and financial information. Rest assured that we protect your personal information using industry-standard data security measures, and we do not share this information that may identify you with any third-party individuals or organizations without your express consent.
To understand how we collect, share, and protect your personal information, please refer to our Privacy Policy, which applies to the use of your data and is an integral part of these terms and conditions along with the Customer Agreement.
By submitting your contact information to us, you expressly consent to receive communications from FDCA via telephone, email, postal mail, or in-person visits. This includes the use of your provided contact number for personal communication. We may contact you for loan applications and servicing purposes, including reminders for upcoming payments, collections, and other loan-related matters.
By providing your contact information, registering for an account, or applying for a service, you consent to be contacted by FDCA through written notices, email messages, text messages, telephone calls, or visits by our field officers. Such communication may occur at any email address or mailing address we have on record for you, obtained from public or non-public databases we lawfully access.
Furthermore, you consent to the use of prerecorded messages or automatic dialing devices when we contact you at any telephone number associated with your account, including mobile numbers that may result in charges to you. In compliance with the terms, we may engage third-party service providers to contact you.
Should you decide to change or modify the method of communication at any given time, you may do so by notifying us or contacting us using our designated customer service contact hotline: +94 114411124
The FDCA website, its content, and all intellectual property associated with it (including copyrights, patents, trademarks, designs, logos, and service marks) are the property of FDCA or third parties. The rights, title, and interest in these intellectual properties shall remain with FDCA or the respective third-party owner. These materials are protected by copyright, trademark, and other intellectual property laws.
You are only authorized to use the materials on the site strictly for personal, noncommercial purposes. Any other use or reproduction of any content is strictly prohibited without our prior written consent. The unauthorized copying, modifying, or distributing of copyrighted works is a violation of intellectual property laws and can result in severe civil and / or criminal consequences.
You may not copy, reproduce, modify, publish, display, distribute, or transmit any material from the FDCA website for commercial purposes without our prior written consent. You also cannot use any of our logos or other proprietary graphics on your own website without first obtaining express written permission from us. Furthermore, you agree not to remove or alter any copyright, trademark, or other proprietary notice displayed on the site.
By using FDCA’ electronic services or engaging in any electronic transactions or agreements, you agree that selecting an item, button, or icon using a keypad, mouse, or similar device constitutes your signature, acceptance, and agreement as if physically signed, by virtue of the Electronics Transactions Act No 19 of 2006.
You acknowledge that no third-party certification or verification is necessary for the validity of your electronic signature, and the lack of such certification does not affect the enforceability of your signature or resulting contracts. Any electronically signed document will be considered “in writing” and “e-signed,” and when printed, it will be deemed an original document in the normal course of business and shall be considered final and conclusive.
Therefore, any lacking and absent third-party certification or verification of your electronic signature does not in any way invalidate, negate, or otherwise affect the legally binding nature and enforceability of the signed document or contract.
By using FDCA’ online services or engaging in any electronic transactions or agreements, you agree and authorize FDCA to Direct Debit from your account, by virtue of the Electronics Transactions Act No 19 of 2006 and by signing / consenting to this Agreement, you acknowledge that no new or further authorization is required by FDCA to Direct Debit.
Such Direct Debit will be deemed an authorized debit in the normal course of business and shall be considered final and conclusive. Therefore, you acknowledge that any further authorization from you will not be required and that you categorically agree that not giving specific consent for any particular transaction does not in any way invalidate, negate, or otherwise affect such transaction/s nor this Agreement.
By using the FDCA website and accessing its content, you consent to receive advertisements from FDCA. These advertisements may be sent through various channels, including but not limited to mobile calls, emails, and text messages, using the contact information you provided.
Likewise, we may use cookies or other similar technologies to track usage on our site and tailor advertisements to you.
We may also partner with third-party service providers who may place ads on our behalf. Such third-party advertising partners may target potential customers based on demographic, psychographic, interest, and behavioral information they collect from various sources.
As said, FDCA may use cookies or other similar technologies to collect information about your visit to our website. Such technology helps us understand user behavior, measure the performance of our site, improve navigation and content, and deliver tailored advertisements.
Cookies may be used as identifiers to track user data, such as pages visited and time spent on a page. Please refer to our Cookie Policy for additional information about the type of cookies we collect and how you can manage them. Additionally, we may use web beacons, pixels, and software development kits to track user behavior.
You have the right to disable cookies in your browser settings or mobile device settings. However, disabling them may prevent you from accessing some of our website’s features or services. We reserve the right to update our Cookie Policy at any time without prior notice.
The FDCA website may contain links to third-party websites. We do not control these sites and are not responsible for their content or practices, and is at your sole discretion should you wish to access. Such links are provided solely as a convenience to you and should not be interpreted as an endorsement or approval of the site or its content.
We encourage you to read the privacy policies of any linked sites before providing them with your personal information. Likewise, we do not provide any representation or warranty for third-party services or products advertised on our site. We shall not be held liable for any harm caused by the use of such services.
FDCA shall not be liable for any damages, losses, or expenses arising from the use of the website or any linked sites, including direct or indirect, special, incidental, or consequential damages. This includes damages resulting from performance failures, errors, interruptions, defects, delays, computer viruses, or system failures, even if FDCA or its representatives have been advised of the possibility of such damages.
Your use of the website is at your own risk. We do not guarantee that our services will be uninterrupted or error-free. Furthermore, we shall not be liable for any damages caused by any third parties you may interact with while using the site.
You agree to defend, indemnify, and hold FDCA and its affiliates, directors, officers, employees, agents, contractors, successors, or assigns harmless from any third-party claims, damages, and expenses arising from your breach of these terms, violation of applicable laws, your submissions, or your access to the website, without any limitation whatsoever unless imposed by Law. FDCA reserves the right to participate in the defense of any such claim or action at your expense.
These terms and conditions comes into effect when you use or register your account with FDCA. Once approved as a borrower, these remain valid and binding for the duration of any loan or until it is superseded or modified. You may terminate by providing written notice if you have no outstanding loan commitments or contracts.
FDCA reserves the right to terminate terms and conditions at any time if you breach these terms and conditions, terms of use of website, terms of the Loan Agreement, the privacy policy, or regulatory requirements. Termination notice should be sent in writing to [email protected]
However, any rights or liabilities accrued prior to termination shall remain in effect.
All rights not expressly granted are heretofore reserved by FDCA. These terms should be interpreted and enforced in accordance with the laws of Sri Lanka. All disputes arising from any of the above shall be resolved through arbitration as per the Arbitration Act No 11 of 1995 of Sri Lanka, to the maximum extent practicable, and not before a court of law.
These terms and conditions constitute the entire terms and conditions between you and FDCA concerning your use of the FDCA website and supersede all prior or contemporaneous communications whether in writing or electronic form. If any provision of these terms and conditions is found to be invalid, void, or unenforceable by a court of competent jurisdiction, such invalidity shall not affect other provisions that can remain enforced.
We reiterate that we reserve the right to modify these terms and conditions at any time without prior notice. However, any changes shall be effective immediately upon posting the revised version on our website and/or sending a notification to your account email address or contact information. We encourage you to review these terms periodically for updates. Your continued use of the website shall constitute your agreement to be bound by such changes.
These terms and conditions, together with the privacy policy and the Loan Agreement, constitute the entire agreement between the parties and replace any prior written or oral agreements.
For more information, please contact FDCA with the following information:
Email: [email protected]
Hotline: +94 114411124
Address: No. 05, Ninth Lane, Nawala Road, Nawala
Effective date: 24 June 2025
Fair Debt Collection Agency (Private) Limited (hereinafter referred to as “the Company” or “We”), a company duly incorporated and registered under the laws of Sri Lanka, takes the privacy of its Clients (hereinafter also referred to as “You” or “They”) very seriously and is dedicated to safeguarding Client’s data that may be gathered when they use the website https://fdca.lk/en/ or mobile application “FDCA”.
With this Privacy Policy, we inform you what data we process and explain your rights associated with the processing of your data under the Personal Data Protection Act, No. 9 of 2022 of Sri Lanka.
Please read this Privacy Policy carefully. By using our Services through our website or mobile application, you agree to the processing of your data as described herein.
Data processing refers to the collection, storage, use, disclosure, sharing, protection and deletion of personal information.
This Privacy Policy is an electronic record in the form of an electronic contract formed under the Electronic Transactions Act No. 19 of 2006 of Sri Lanka and other applicable laws and regulations. Therefore, this Privacy Policy does not require any physical, electronic or digital signature.
When you use our Services through the website or mobile application, we may collect from you the following personal information:
Because the model of our business involves making loans to our Clients, we also collect financial information, such as:
This information is used only for the purpose of processing loan applications. We keep all financial information confidential and secure. We take measures to protect this information from unauthorized or inappropriate use.
The initiative of FDCA to provide a comprehensive mobile application to its Clients, allows you to access and use the website from your mobile devices. When accessing our website from your mobile device, certain technical information may be collected, such as your unique hardware ID, phone model, operating system version, and other similar information related to the usage of the Services.
Depending on when you access our website, we may employ cookies or similar technologies on your computer or device to collect information. Cookies are files containing small amounts of information that are downloaded to your device when you visit a website.
The usage of cookies helps us provide you with convenient and secure access to our website, Services or other features. Most web browsers accept cookies automatically but provide their users with the ability to deny or delete them by changing the browser settings. You are free to decline our cookies on your computer or device unless they are necessary to prevent fraud or ensure the security of our controlled websites. However, the use of the website may be limited if you do not accept our cookies.
Please note that under no circumstances you are allowed to use our Services on behalf of other people, such as your family, friends or employees.
However, whenever you enter details of references, contacts or any other third party, you must ensure that you are authorized to provide us with their personal information. Use of the website or mobile application in this manner automatically presumes that you have obtained proper authorization from the owners of the personal information and have informed said persons of this Privacy Policy. You hereby represent and warrant that all your family, friends or employees whose personal information you have provided to us have agreed to the collection, use, processing, storage, and disclosure of their data in accordance with this Privacy Policy and all applicable law. Thus, you are solely responsible for ensuring that you comply with all applicable laws pertaining to obtaining and providing such consent.
As stated above, we use the data collected from you to provide you with our Services. We may also use this information for the following purposes:
The Company will not rent or sell your data to third parties for their business purposes, such as marketing and advertising, without your express consent and authorization.
By accepting this Privacy Policy you understand and agree that we may share your data in the following circumstances:
The Customer undertakes irrevocably and unconditionally to be liable, compensate and ensure to keep the Lender indemnified against any liabilities, compensation, claims, damages, losses, expenses in relation to or arising from any transactions between the Parties under the Agreement or for any actions of the Lender taken pursuant to any applicable law, regulation or agreement.
The security of your data is our priority and important to us. We will use all reasonable efforts to prevent your information from being accidentally lost, used, or accessed in an unauthorized way, altered or disclosed. Your information will be encrypted and transmitted to our server in a secure manner. We limit access to your information to those employees, agents, contractors and other third parties who have a legitimate need to know. They will only process your information on our instruction and are subject to a duty of confidentiality.
However, the transmission of information via the Internet is not completely secure. While we strive to implement commercially acceptable means to protect your data, we cannot guarantee its absolute security. And, therefore, the Company will not be liable or responsible for any losses or damages caused by unauthorized access to your data.
You may by written notice request us to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
You may by written notice ask us to delete your personal data that we have no good reason to continue processing. You also have the right to ask us to delete your personal data where we may process your information unlawfully or where we need to delete your personal data to comply with local law. Please note, however, that due to specific legal reasons, or as required or authorized by any applicable law including but not limited to the Personal Data Protection Act, we may not always be able to honour your removal request. We will notify you of such a case when you request it.
From time to time, you will receive disclosures, notices, documents and information related to your current loan status (“Communications”) from the Company. These Communications may include confirmations of loans obtained, confirmation of email address or password changes and inquiries regarding your activity or status concerning your use of the website. Such Communications may be provided or made available to you electronically through mobile SMS, email or the website.
We may engage third-party companies and individuals to facilitate our Services, provide the Services on our behalf, perform Services-related activities or assist us in analyzing how our Services are used. These service providers have access to your data only to the extent necessary to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
We also warn the Client that our Services may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party websites.
Our Services do not address anyone under the age of 18. We do not collect personal information from anyone under the age of 18. If you are a parent or guardian and you are aware that your children have provided us with their personal information, actual or deemed, in breach of our Privacy Police and / or Terms and Conditions, please contact us, we will take steps to delete that information from our servers.
We may update the Privacy Policy from time to time. We will notify you of any changes by posting the new version of the Privacy Policy on this page. Changes to the Privacy Policy are effective upon posting on the page. You are advised to periodically review this Privacy Policy for changes. By continuing to use our Services after such changes are posted, you indicate your acceptance of the revised version of the Privacy Policy.
If you have any questions about this Privacy Policy, please contact us:
Email: [email protected]
Hotline: +94 114411124
Address: No. 05, Ninth Lane, Nawala Road, Nawala, Sri Lanka.
We will respond to your inquiry as soon as possible.
Thank you for taking the time to read the Privacy Policy! Your trust is important to us!