This Privacy Policy explains how QICKY GLOBALTECH Pvt. Ltd.("Qicky", "we", "us") collects, uses, stores, shares, and protects your information when you use our website and digital lending platform. Qicky is a Loan Service Provider (LSP) / Digital Lending Platform. Loans are provided and disbursed by our RBI-regulated lending partner, with whom we share information strictly as required to process your loan.

We follow the RBI Guidelines on Digital Lending and applicable data protection law, including the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023.

We collect only what is necessary to assess and service your loan:

• Identity & KYC data — name, date of birth, PAN, Aadhaar-based KYC, and photograph
• Contact data — mobile number, email, and address
• Financial data — income, employment details, bank statements, and credit-bureau information
• Transaction data — loan amount, EMIs, repayments, and account activity
• Technical data — device, IP address, and app/website usage for security and fraud prevention

We practise data minimisation: we do not access your phone contacts, call logs, media, or files. We only request permissions essential to the lending service, and always with your explicit consent.

• To verify your identity and complete KYC
• To assess your eligibility and facilitate the credit decision by our lending partner
• To disburse, service, and collect your loan
• To comply with legal, regulatory, and audit requirements
• To prevent fraud and secure our platform
• To provide customer support and, where you consent, share relevant updates

We collect and process your data based on your explicit, informed consent, taken at the point of collection for a specific purpose. You may withdraw consent at any time by contacting us, subject to applicable legal and contractual obligations relating to an active loan. You can also request a copy of the data you have provided.

We share your information only with:

• Our RBI-regulated lending partner, to process and service your loan
• Credit information companies (CICs) such as CIBIL, Equifax, and others, as required
• KYC, verification, and payment service providers acting on our behalf under confidentiality obligations
• Regulatory, statutory, or law-enforcement authorities where legally required

We do not sell your personal data to third parties for marketing.

All data is stored on servers located in India. We use encryption, access controls, and secure infrastructure to protect your information. Data is retained only for as long as necessary to fulfil the purposes above and to meet legal and regulatory requirements.

• Access and review the personal data we hold about you
• Request correction of inaccurate or incomplete data
• Withdraw consent or request deletion, subject to legal/contractual obligations
• Raise a grievance regarding data handling

For grievances relating to your loan or data, please also see our Grievance Redressal page.