QICKY GLOBALTECH Pvt. Ltd., operating the Qicky platform as a Loan Service Provider (LSP) / Digital Lending Platform, is committed to fair and transparent dealing with all borrowers. This Fair Practices Code is aligned with the RBI Guidelines on Digital Lending and complements the Fair Practices Code of our RBI-regulated lending partner, under whose credit policy loans are sanctioned and disbursed.

• We clearly disclose that Qicky is a Loan Service Provider and name the Regulated Entity that provides your loan
• A Key Facts Statement (KFS) with the all-inclusive Annual Percentage Rate (APR), fees, tenure, and repayment schedule is provided before you accept any loan
• There are no hidden charges; any fee payable is disclosed upfront in the KFS and loan agreement
• We do not charge borrowers any fee that is not disclosed in the KFS

Loan disbursal and repayment take place directly between the borrower's bank account and the Regulated Entity's bank account. No funds pass through the account of Qicky or any Lending Service Provider, in line with RBI Digital Lending guidelines.

• We do not use coercive or harassing methods at any stage, including in recovery
• Recovery, where applicable, is carried out by the Regulated Entity or its authorised agents within permitted hours and in a respectful manner
• We promote responsible borrowing and present loan amounts suited to your assessed repayment capacity
• Your credit limit will not be increased automatically without your explicit consent

We collect only the data necessary to provide the lending service, store it on servers in India, and process it strictly with your consent. We do not access your phone contacts, media, or files. Please see our Privacy Policy for details.

Every borrower is provided a cooling-off / look-up period (as stated in the KFS) during which the loan can be exited by repaying the principal and proportionate APR, without penalty.

Qickymay provide a Default Loss Guarantee to the Regulated Entity under a legally enforceable contract, in compliance with the RBI Guidelines on Default Loss Guarantee in Digital Lending. Such arrangements are capped at 5% of the underlying loan portfolio and do not alter the borrower's obligations, the loan terms, or the fact that the loan is provided by the Regulated Entity. Portfolio-level DLG disclosures are published by the Regulated Entity as required.

Any borrower with a complaint may reach us through the escalation mechanism set out on our Grievance Redressal page, which includes escalation to the Regulated Entity and to the RBI Ombudsman.