The information and services on the Platform are provided on an “as is” and “as available” basis, for general information and for facilitation of financial services by our Lending Partners. Nothing on the Platform constitutes financial, legal, tax or investment advice, or an offer or commitment to lend by the Company. While we make reasonable efforts to keep the content of the Platform accurate and up to date, we do not warrant its completeness or accuracy at all times. Use of the Platform is subject to the Terms and Conditions, the Privacy Policy and the Refund and Cancellation Policy published on the Platform.

Your name, e-mail address, Aadhaar (where voluntarily provided in accordance with law), PAN and any other personal information which you provide through parts, pages or screens of the Platform constitute “personal data” for the purposes of the Digital Personal Data Protection Act, 2023, and, to the extent applicable, “personal information” or “sensitive personal data or information” under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011. Full details of what we collect, why, and how it is used, shared, retained, secured and deleted are set out in our Privacy Policy, which forms part of this Disclaimer by reference. In summary: we will not share your details with any third party without your consent, except where disclosure is required or permitted by law. If you apply for any personal loan through the Quick Money App, we will use your data to validate your credentials, access your credit bureau score with your consent, and enable our Lending Partner to assess your application.

In respect of personal data processed to facilitate a loan, the Company acts as a Data Processor, processing such data on the documented instructions of its Lending Partner (Ruloans Financial Private Limited), who is the Data Fiduciary for that data. In respect of personal data processed for the Company’s own non-lending/value-added services and marketing, the Company acts as the Data Fiduciary. In both capacities, the Company complies with the Digital Personal Data Protection Act, 2023 (“DPDP Act”) and the rules made thereunder: processing is carried out only for lawful purposes with your free, informed, specific, unconditional and unambiguous consent (or other lawful ground); collection is limited to what is necessary; data is kept accurate, secured with reasonable safeguards, and erased when the purpose is served and retention is no longer required by law. You may exercise your rights of access, correction, erasure, nomination and grievance redressal as set out in the Privacy Policy, and may complain to the Data Protection Board of India in the manner prescribed under the DPDP Act.

The Platform, these policies and all consents and documents executed on the Platform are electronic records under the Information Technology Act, 2000 and the rules made thereunder, and do not require physical signatures. This Disclaimer and the Platform policies are published in accordance with Rule 3(1) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021. The Company implements reasonable security practices and procedures contemplated under Section 43A of the Information Technology Act, 2000 and the rules thereunder.

By using the Platform and affirmatively accepting the notices presented to you, you consent to the collection, use, storage, processing and disclosure of your personal data as described in the Privacy Policy. Consent is obtained in an explicit, granular, informed and freely given manner — separately for each distinct purpose and data category, including credit bureau access, bank statement analysis, Account Aggregator data sharing, SMS access, device information, location, camera, microphone (where applicable), KYC verification, and each channel of marketing communication — and is revocable at any time in the manner described in the Privacy Policy (Clause 3), without affecting the lawfulness of processing already undertaken.

Your data may be shared with Regulated Entities (REs) and Loan Service Providers (LSPs) involved in your loan journey — in particular, our Lending Partner, Ruloans Financial Private Limited — Credit Information Companies (CICs)/credit bureaus, RBI-licensed Account Aggregators (AA), the Central KYC Records Registry (CKYC), UIDAI (where applicable), and other service providers and authorised entities, strictly as described in, and subject to the safeguards set out in, our Privacy Policy (Clause 8). Your Aadhaar number is never disclosed except as mandated by law.

Your data is collected and processed on a need basis only for the purposes set out in our Privacy Policy (Clause 6) — including identity verification and KYC, credit assessment, loan facilitation, servicing and recovery, non-lending/value-added services you request, fraud detection and prevention, legal compliance, and grievance redressal. Marketing uses require your separate, explicit consent.

You have the right to give, refuse, manage and withdraw consent at any time, as described in our Privacy Policy (Clause 12), through the in-App controls, your device settings, or by writing to our Grievance Officer/Support E-mail. Withdrawal of consent is prospective; it may, however, limit or prevent our ability to continue providing a Service to which the consent relates, and does not affect the right of the Lending Partner to continue processing information relating to an outstanding loan until it is repaid in full and for such further period as permitted by law. The Company maintains an auditable record of all consents.

The Company operates as an LSP/Digital Lending App in partnership with Regulated Entities. All loans are sanctioned, underwritten, priced and disbursed solely by the REs. Loan disbursals are made directly into the borrower’s bank account and repayments are made directly into the RE’s bank account, without pass-through of funds through the Company. A Key Fact Statement (“KFS”) containing the Annual Percentage Rate (APR), all fees and charges, the recovery mechanism, grievance redressal details and the cooling-off period is provided to the borrower before execution of the loan contract; no charge not disclosed in the KFS may be levied on the borrower. Borrowers may exit a digital loan during the cooling-off period by paying the principal and proportionate APR without penalty.

The Platform is operated in alignment with the RBI Guidelines on Digital Lending dated 2 September 2022, as amended, and applicable RBI Master Directions, including in respect of: publication of the list of Lending Partners on the Platform; need-based, consent-driven data collection with an auditable trail; prohibition on access to the borrower’s mobile phone contact lists, call logs, file and media (the App does not access these); one-time, purpose-limited access to camera, microphone and location for KYC/onboarding only; storage of data on servers located in India; no automatic increase of credit limits without the borrower’s explicit request and consent; and structured grievance redressal with escalation to the RBI Ombudsman.

The Platform may contain links, redirections and integrations to third-party websites, applications, payment gateways, SDKs and services. Such third-party services are governed by their own terms and privacy policies, which we do not control. The Company does not endorse and is not responsible for the availability, content, products, services or practices of such third parties, and shall not be liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such third-party content, goods or services, to the maximum extent permitted by law and without diluting the Company’s responsibilities for outsourced activities under applicable RBI directions.

All credit decisions — including approval, rejection, sanctioned amount, interest rate, tenure and other terms — are made solely by the concerned Regulated Entity in accordance with its own credit policy and applicable law. The Company does not sanction, underwrite or price loans and has no discretion over credit decisions. Any credit assessment, score or indicative offer displayed on the Platform is preliminary and indicative only and does not bind any Lending Partner.

Submission of an application, completion of KYC, or use of the Platform does not guarantee the approval or disbursal of any loan, or any particular loan amount, rate or tenure. Applications may be rejected by the Lending Partners at their discretion in accordance with their credit policies and applicable law, and neither the Company nor the Lending Partners shall be liable for any loss arising from such rejection or from any delay in processing.

To the maximum extent permitted by applicable law, the Company, its directors, officers, employees, affiliates and agents shall not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages — including loss of profits, data or goodwill — arising out of or in connection with the use of, or inability to use, the Platform or the Services, or reliance on any content on the Platform. Nothing in this Disclaimer excludes or limits any liability that cannot be excluded or limited under applicable law, including under the Consumer Protection Act, 2019.

Fraud warning — please read carefully. The Company has a strict policy against staff and vendors engaging in sending or forwarding unsolicited e-mails, and provides training and support to ensure unethical practices do not occur, whether intentionally or inadvertently. The Company does not provide any personal bank account or personal UPI ID/URL for payment of your dues. All repayments must be made only into the designated bank account of Ruloans Financial Private Limited (our Lending Partner) as stated in your loan documents or through the official payment channels on the Platform. Any e-mail, call or message claiming a connection with Quick Money or Qicky Globaltech Private Limited that asks you to pay or settle a loan amount into any personal UPI ID or personal bank account is fraudulent. Please report such scams to us at the Support E-mail Support@quick.money and to your local police/cyber-crime portal (www.cybercrime.gov.in / helpline 1930). The Company will not be liable for payments made to such unsolicited personal links. Please remain cautious of cyber fraud affecting e-mail accounts and bank account details.

For any query, concern or grievance relating to this Disclaimer, the Platform, your data or the Services, please contact:

Grievance Redressal Officer — Qicky Globaltech Private Limited (Quick Money)

Name: Durwang Sawant

Address: A/702, Akshita Avenue, Holy Cross Road, Borivali West, IC Colony, Mumbai City, Mumbai, Maharashtra, India – 400103

E-mail: durwang@quick.money

Phone: +91 9022491781

Hours: Monday – Saturday, 10:00 a.m. – 7:00 p.m.

Complaints will be acknowledged within 1 (one) working day and we endeavour to resolve them within 30 (thirty) days. If a grievance relating to a lending transaction remains unresolved for 30 (thirty) days, you may lodge a complaint under the Reserve Bank – Integrated Ombudsman Scheme, 2021 on the RBI Complaint Management System portal (https://cms.rbi.org.in). Grievances under the DPDP Act may be escalated to the Data Protection Board of India in the manner prescribed.

This Preservation of Records policy establishes standards for managing, storing and preserving documents of the Company as well as data of its customers.

A. Documents of a permanent nature. The Company shall maintain and preserve permanently (together with all modifications, amendments, additions and deletions made from time to time): its registration certificate; licences and statutory approvals; statutory registers required under applicable laws; audited financial statements/annual reports; minutes of meetings; material agreements and contracts; and any other document required to be maintained permanently under applicable law.

B. Documents to be maintained for a specified period after transaction completion. The Company shall preserve, for a term of not less than 5 (five) years after completion of the relevant transaction (or such longer period as required under applicable law, including the Prevention of Money Laundering Act, 2002 and RBI KYC Directions): books of accounts; customer KYC documents; customer payment instruments (where applicable to the product); and any other document required to be maintained under applicable law.

C. Preservation of data of onboarded/new customers. The Company recognises the importance of protecting the data and privacy of existing and newly onboarded customers who have availed, or are about to avail, its services or products. As Data Processor for loan-related data, the Company retains such data only for as long as needed to complete onboarding and transfer it to the Lending Partner, plus a limited period thereafter as described in the Privacy Policy (Clause 9). The Lending Partner, as Data Fiduciary for loan-related data, separately retains KYC documents, loan records and transaction history for a minimum of 5 (five) years after the relevant transaction, in accordance with the Prevention of Money Laundering Act, 2002 and the RBI KYC Directions.

D. Data of customers no longer associated with the Company. In accordance with the Privacy Policy (Clause 9), the Company retains only basic contact details (name, phone number, e-mail id and address) of customers who are no longer associated with it, for up to 6 (six) months after they cease to be active users of the Platform, save where a longer period is independently required under applicable law. This is without prejudice to the Lending Partner’s separate obligation to retain KYC and loan records for a minimum of 5 (five) years as described in paragraph C above.

E. Documents of undisbursed or rejected cases. The Company will preserve documents relating to undisbursed or rejected loan applications for a period of 6 (six) months, or such other period as required under the Digital Personal Data Protection Act, 2023, the Information Technology Act, 2000 or the directions of any other regulatory body, after which such data is erased in accordance with the Privacy Policy.