These Terms of Service ("Terms") govern your access to and use of the website, applications, and services operated by QICKY GLOBALTECH Pvt. Ltd. under the brand Qicky(the "Platform"). By using the Platform, you agree to these Terms. If you do not agree, please do not use the Platform.

Qicky is a Loan Service Provider (LSP) / Digital Lending Platform. We are nota lender and do not lend on our own account. Loans are provided, sanctioned, and disbursed by our RBI-regulated lending partner (the "Regulated Entity") in accordance with its credit and underwriting policies. Qicky facilitates your journey — application, verification, offer presentation, disbursal support, and servicing — on behalf of the Regulated Entity.

All loan approvals are at the sole discretion of the Regulated Entity. Submitting an application does not guarantee approval or disbursal.

• You must be a resident of India and at least 21 years of age
• You must provide accurate, complete, and current information
• You must have the legal capacity to enter into a binding loan agreement

Before you accept any loan, you will be shown a Key Facts Statement (KFS) setting out the loan amount, annual percentage rate (APR), all fees and charges, tenure, EMI schedule, cooling-off period, and recovery mechanism. Please read the KFS and the loan agreement carefully. The binding terms of your loan are those in the loan agreement executed with the Regulated Entity.

Any fees payable by you are disclosed transparently in your KFS and loan agreement before you accept the loan. Qicky does not charge you any fee that is not disclosed. No amount is routed throughQicky's accounts — disbursal and repayment take place directly between your bank account and the Regulated Entity.

You may exit the loan during the cooling-off / look-up period specified in your KFS by repaying the principal and the proportionate APR, without any penalty. Details are provided in your loan documents.

• Provide truthful information and valid documents
• Keep your login credentials and OTPs confidential
• Repay your EMIs on time as per the agreed schedule
• Use the Platform only for lawful purposes

All content, trademarks, logos, and software on the Platform are owned by or licensed to QICKY GLOBALTECH Pvt. Ltd. and may not be copied or used without our prior written consent.

The Platform is provided on an "as is" basis. To the extent permitted by law, Qicky is not liable for the credit decision of the Regulated Entity, or for indirect or consequential losses arising from your use of the Platform. Nothing in these Terms limits liability that cannot be limited under applicable law.

These Terms are governed by the laws of India. Subject to the grievance redressal process, disputes are subject to the exclusive jurisdiction of the courts at Mumbai, Maharashtra.

We may update these Terms from time to time; the latest version will always be available on this page. For questions, contact us: