1.1 The website https://www.quick.money (the “Website”) and the mobile application “Quick Money” (the “App”) (the Website and the App are collectively referred to as the “Platform”) are owned and operated by Qicky Globaltech Private Limited (the “Company”), a private limited company incorporated under the Companies Act, 2013, having CIN U66190MH2025PTC464463 and registered office at A/702, Akshita Avenue, Holy Cross Road, Borivali West, IC Colony, Mumbai City, Mumbai, Maharashtra, India – 400103.

1.2 “Quick Money” is the brand owned and operated by Qicky Globaltech Private Limited. All references in these Terms to “Quick Money”, the “Company”, “we”, “us” or “our” mean Qicky Globaltech Private Limited, operating under the brand name Quick Money.

1.3 The Company acts solely as a Loan Service Provider (“LSP”) / digital lending platform in accordance with the Reserve Bank of India (“RBI”) Guidelines on Digital Lending dated 2 September 2022, as amended, and the RBI Master Directions applicable to digital lending from time to time (collectively, the “RBI Digital Lending Guidelines”). The Company is not a bank or a non-banking financial company (“NBFC”) and does not lend from its own balance sheet. All loans facilitated through the Platform are sanctioned, underwritten, priced and disbursed exclusively by RBI-regulated banks and/or NBFCs partnered with the Company (each a “Lending Partner” or “Regulated Entity (”RE”)”).

As of the date of these Terms, the Company’s sole Lending Partner is Ruloans Financial Private Limited, a non-banking financial company having CIN U65999MH2018PTC309853 and RBI Certificate of Registration No. N-13.02385, with its registered office at Office No. 102, First Floor, Metro Avenue, Pareira Hill Road, off Andheri-Kurla Road, Andheri East, Mumbai – 400099.

The current list of the Company’s Lending Partner(s), together with their contact and grievance details, is published on the Platform at https://www.quick.money and will be updated if the Company engages any additional Lending Partner. Where, at any time, the Company facilitates loans through more than one Lending Partner for the same borrower, the Company shall display a neutral digital view of the offers of all willing Lending Partners, without any bias towards or steering in favour of any particular Lending Partner, in accordance with the RBI Digital Lending Guidelines.

2.1 This document (“Terms” or “Terms of Use”) is an electronic record in terms of the Information Technology Act, 2000 (“IT Act”) and the rules made thereunder, as amended, and is generated by a computer system. It does not require any physical or digital signature.

2.2 These Terms are published in accordance with Rule 3(1) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, which requires publishing the rules, regulations, privacy policy and terms of use for access to or usage of the Platform.

2.3 These Terms constitute a legally binding agreement under the Indian Contract Act, 1872 between any person accessing or using the Platform (“you”, “your”, “User”, “Customer” or “Participant”) and the Company, and govern your access to and use of the Platform and the Services (as defined below).

2.4 PLEASE READ THESE TERMS CAREFULLY. BY ACCESSING OR USING THE PLATFORM, OR BY CLICKING ON “SUBMIT”, “I AGREE” OR ANY SIMILAR TAB, YOU ACCEPT AND AGREE TO BE BOUND BY THESE TERMS, THE PRIVACY POLICY, THE REFUND AND CANCELLATION POLICY AND THE DISCLAIMER, EACH OF WHICH IS INCORPORATED HEREIN BY REFERENCE. IF YOU DO NOT AGREE, PLEASE DO NOT USE THE PLATFORM OR THE SERVICES.

3.1 The Company reserves the right, at its discretion, to change, modify, add or remove portions of (i) these Terms; and (ii) the contents of the Platform, at any time, by posting the amended Terms on the Platform. Material changes will be notified to registered Users through the Platform, e-mail, SMS or other reasonable means.

3.2 Your continued use of the Platform after such changes are posted constitutes your acceptance of the amended Terms. You are encouraged to review these Terms periodically. Amendments shall apply prospectively and shall not affect loan agreements already executed between you and a Lending Partner, whose terms shall continue to be governed by that loan agreement and applicable law.

3.3 When using particular Services, you may also be subject to additional posted guidelines or rules applicable to such Services, which are incorporated into these Terms by reference.

4.1 Use of the Platform is available only to persons who are competent to contract under the Indian Contract Act, 1872. Persons who are “incompetent to contract”, including minors and un-discharged insolvents, are not eligible to use the Platform.

4.2 To be eligible to register and to apply for a loan through the Platform, you must:

• be a natural person of at least 18 (eighteen) years of age;
• be a resident of India and based in India;
• hold a rupee-denominated savings or current account with a bank in India in your own name;
• hold a Permanent Account Number (“PAN”) allotted by the Income Tax Department of India, and/or Aadhaar, and/or such other Officially Valid Documents (“OVDs”) as prescribed under the RBI Master Direction — Know Your Customer (KYC) Direction, 2016, as amended (“RBI KYC Directions”); and
• satisfy such further eligibility criteria as the relevant Lending Partner may prescribe, including criteria relating to employment, income and credit history.

4.3 The Company reserves the right to terminate any registration and/or refuse access to the Platform if it discovers or is notified that a User is under 18 (eighteen) years of age or otherwise ineligible.

5.1 By accepting these Terms, you irrevocably declare and undertake that:

• you are above 18 (eighteen) years of age and competent to contract;
• you have the authority and capacity to enter into this agreement, and this agreement is binding and enforceable against you;
• your execution of this agreement does not conflict with any of your obligations under applicable law, contract or otherwise;
• all information provided by you on the Platform is true, complete, accurate and up to date, and you will promptly notify the Company of any change;
• you are applying for credit for your own lawful use and not for any illegal, speculative or prohibited purpose, and you are not applying on behalf of any third party;
• you are not a wilful defaulter and you have disclosed all material facts relevant to your application;
• you have read, understood and agreed to abide by the Company’s Privacy Policy, which is incorporated herein by reference; and
• you have read and understood the risks involved in borrowing through the Platform, including the consequences of default and of adverse credit bureau reporting.

6.1 Any person may access the Website either by registering or as a guest; however, a guest user may not have access to all sections of the Platform, which are reserved for registered Users and may change from time to time at the sole discretion of the Company.

6.2 Eligible Users who wish to register shall create an account by providing the details prescribed in the application form.

6.3 By applying for registration, you agree to and authorise the Company and/or its Lending Partners to carry out checks and verifications, including:

• identity verification, KYC and Customer Due Diligence (“CDD”) in accordance with the RBI KYC Directions, the Prevention of Money Laundering Act, 2002 (“PMLA”) and the rules thereunder, including (where applicable and with your explicit consent) Aadhaar-based e-KYC/offline verification in accordance with the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016 and UIDAI regulations, Video-based Customer Identification Process (“V-CIP”), and verification against the Central KYC Records Registry (“CKYCR”) in accordance with applicable CKYC regulations. Credit and KYC decisions are taken solely by the partnered Regulated Entities;
• obtaining your credit information report from Credit Information Companies (“CICs”) registered under the Credit Information Companies (Regulation) Act, 2005 (such as TransUnion CIBIL, Experian, Equifax and CRIF High Mark), with your explicit consent, for the purpose of assessing your creditworthiness; and
• screening for fraud, sanctions and anti-money-laundering purposes as required under applicable law.

6.4 If any User provides information that is untrue, false, outdated or incomplete, or the Company has reasonable grounds to believe so, the Company shall have the right to suspend or terminate the relevant User account and refuse any and all current or future use of the Platform (or any portion thereof), without prejudice to the rights of the Lending Partners.

6.5 Users may be required to provide certain personal information on the Platform. The provision, collection, storage, retention, use and disclosure of such personal information shall be governed by the Company’s Privacy Policy and by applicable law, including the Digital Personal Data Protection Act, 2023 (“DPDP Act”).

6.6 Non-Lending / Non-Regulated Services. The Company may provide non-lending or non-regulated products or value-added services directly through the Platform. Accessing such services does not guarantee approval of any credit facility by the Lending Partners. Refunds and cancellations for such services are governed by the Refund and Cancellation Policy.

7.1 The Company operates the Platform as an LSP/Digital Lending App (“DLA”) of its Lending Partners. In compliance with the RBI Digital Lending Guidelines:

• Key Fact Statement (“KFS”). Before execution of any loan contract, the relevant Lending Partner shall provide you with a KFS in the standardised format prescribed by RBI, disclosing the Annual Percentage Rate (“APR”), all fees and charges, the recovery mechanism, details of the grievance redressal officer designated to deal with digital lending/FinTech-related matters, and the cooling-off/look-up period. Any fee or charge not disclosed in the KFS cannot be charged to you at any stage during the term of the loan.
• Direct disbursal and repayment. Loan disbursals shall be made directly into your bank account by the Lending Partner, and repayments shall be made directly into the bank account of the Lending Partner, without pass-through of funds via any pool account of the Company or any third party, except as specifically permitted under the RBI Digital Lending Guidelines.
• No fees payable by the borrower to the LSP. Any fees or charges payable to the Company in respect of the lending process are payable by the Lending Partner and not by you, except as expressly disclosed in the KFS.
• Digitally signed documents. Upon execution of the loan contract, the KFS, the loan agreement, sanction letter, terms and conditions, account statements and applicable privacy policies shall be made available to you on your registered e-mail/verified digital channel, digitally signed where required.
• Cooling-off / look-up period. You may exit a digital loan during the cooling-off period specified in the KFS by paying the principal and the proportionate APR, without any penalty, in accordance with the RBI Digital Lending Guidelines and the policy of the relevant Lending Partner.
• No automatic credit limit increase. No increase in your credit limit shall be made without your explicit request and consent.
• Recovery conduct. You will be informed of the details of the recovery agent, if any, authorised to approach you at the time of sanction and at the time such agent is assigned. Recovery shall be undertaken only in accordance with the RBI’s fair practice and outsourcing directions.

7.2 The Company is not involved in, and assumes no responsibility for, sanctioning, underwriting, pricing, disbursement or recovery decisions, all of which are undertaken solely by the Lending Partners in their discretion.

8.1 You may apply for a loan through the Platform by submitting a loan request and completing the application process, including KYC and the provision of the information and documents requested.

8.2 During the application process, you must provide the details of your bank account for the purposes of disbursal and repayments due to the Lending Partner.

8.3 By submitting a loan request, you agree:

• to provide such additional information as may be requested, and acknowledge that if any information provided by you is discovered to be inaccurate or deficient in any respect, the loan request may be declined or treated as void, and the Company and/or the Lending Partner may take appropriate action against you in accordance with applicable law; and
• to authorise the Lending Partner and the Company (acting as the Lending Partner’s agent) to obtain your credit information report from any CIC in India, for the purpose of assessing your creditworthiness and repayment capacity.

8.4 Formation of KFS and Loan Agreement.

• If your application is approved by a Lending Partner, you will be provided with the KFS and the draft loan agreement of the Lending Partner. You are free to accept or decline the offer.
• Upon your acceptance, you shall execute the KFS acknowledgment and the loan agreement electronically. In case of multiple loan agreements, the Platform will provide you with a summary of the loans availed.

8.5 Disbursement. Upon execution of all required documents and fulfilment of all conditions of disbursement to the sole satisfaction of the partnered Regulated Entity, the loan amount will be credited directly to your bank account by the Regulated Entity, subject to its credit evaluation and discretion. A rounding-down approach may be followed at disbursement for operational simplicity (for example, if the net disbursement amount is ₹9,411.18, ₹9,411 will be disbursed and ₹0.18 adjusted with the Lending Partner as an adjustment amount), provided that all amounts and adjustments are disclosed in the KFS/loan documentation.

9.1 Submission of an application on the Platform does not entitle you to a loan. Approval, sanction and disbursement are at the sole discretion of the Lending Partners, based on their credit policies, underwriting standards and applicable law.

9.2 A Lending Partner may reject an application without the Company or the Lending Partner being obliged to specify detailed reasons, save as required by applicable law. The Company shall not be liable for any loss or damage arising out of the rejection, delay in processing, or cancellation of any loan application, or from any decision of a Lending Partner.

10.1 All interest, fees and charges in respect of a loan are levied by the Lending Partner and shall be as set out in the KFS and the loan agreement executed between you and the Lending Partner. The APR disclosed in the KFS shall include all such costs.

10.2 Indicative charges for personal loans facilitated through the Platform include a processing fee of up to 15% (fifteen per cent) of the loan amount, deducted at the time of disbursement, as disclosed in and always subject to the KFS and the loan agreement executed with the Lending Partner.

10.3 Late payment / penal charges. If you delay a repayment, the Lending Partner may levy penal charges in accordance with the loan agreement, the KFS and the RBI’s directions on fair lending practice regarding penal charges. Penal charges, where applicable, are not capitalised.

10.4 Litigation costs. Costs and expenses, including reasonable legal fees, incurred in recovering outstanding arrears may be recovered from you to the extent permitted by the loan agreement and applicable law; you will be advised of such costs if such action becomes necessary.

10.5 The Company does not collect any fee or charge directly from you in respect of the lending process except as expressly disclosed in the KFS.

Refunds and cancellations are governed by the Company’s Refund and Cancellation Policy, which forms part of these Terms. In summary: (a) where an EMI is deducted twice for the same due date, you may raise a refund request by writing to customer support at the Support E-mail (defined below); eligible refunds shall be processed by the Lending Partner within the timelines stated in the Refund and Cancellation Policy; and (b) in case of a payment failure where the amount is debited from your account but not received by the Lending Partner, the amount will be refunded through the payment gateway in accordance with its policy.

12.1 EMIs. EMIs shall commence with reference to the date of disbursement of the loan, as set out in the repayment schedule under the loan agreement.

12.2 Prepayment and foreclosure. A borrower wishing to prepay or foreclose a loan may do so on payment of the foreclosure/prepayment charges (if any) specified in the loan agreement and the KFS, together with other dues, in accordance with applicable RBI directions.

12.3 Missed repayments. If you miss a repayment, or anticipate that you will be unable to repay in accordance with the repayment schedule, you should promptly contact the Company at the Support E-mail. Upon receipt, the partnered Regulated Entity, along with the Company in its capacity as LSP, shall:

• explain the applicable charges for delay and the options available to you;
• inform the relevant Lending Partner;
• inform you if your account is being referred for recovery in accordance with applicable law, including the details of the authorised recovery agent, if any; and
• report the default to the CICs in accordance with the Credit Information Companies (Regulation) Act, 2005. Please note that such reporting may adversely affect your credit score and your ability to avail credit in the future.

12.4 Default. A borrower shall be classified under the “default” category if:

• the borrower fails to pay EMIs in accordance with the loan agreement (including failure to pay for three consecutive months);
• confirmation is received that the borrower has died (without prejudice to the rights of the Lending Partner against the borrower’s estate);
• the borrower enters into any arrangement or event that materially affects the borrower’s obligations under the loan agreement; or
• any other event of default specified in the loan agreement occurs, in which case the partnered Regulated Entity shall have the right to classify the loan as a default, with support from the Company in its capacity as LSP.

13.1 All registered Users are solely responsible for all activities under their account. The Company shall not be responsible or liable for any illegal acts, including misuse of an account, unauthorised access or hacking, that are not attributable to the Company’s failure to implement reasonable security practices.

13.2 All borrowers whose loans are sanctioned confirm and acknowledge that they have been provided with a copy of the KFS and the loan agreement to be entered into with the Lending Partner, that they have read and understood all terms and conditions thereof, and that upon execution they covenant to abide by the same.

13.3 If you learn of or suspect any instance of hacking, unauthorised access or misuse of your account, you shall notify the Company without delay at the Support E-mail.

13.4 The Company may refuse to act on any instruction received from a User that it believes: (a) was unclear; (b) was not given by the User; (c) might cause the Company to breach a legal or other duty; or (d) suggests that the Platform is being used for an illegal purpose.

13.5 The Platform may be temporarily inaccessible for maintenance, upgrades or reasons beyond the Company’s reasonable control. The Company will endeavour to notify Users of planned downtime. To the extent permitted by law, the Company shall not be liable for losses arising from such inaccessibility.

13.6 Licence. The Company grants each User a limited, non-exclusive, non-transferable and revocable licence to access and use the Platform for personal, non-commercial purposes, subject to these Terms. Any unauthorised use of the Platform, or use in violation of these Terms, shall automatically terminate this licence.

13.7 You are solely responsible for obtaining access to the Platform (including any third-party fees such as internet or data charges) and for all equipment necessary to access the Platform. You may not bypass any measures implemented to prevent or restrict access to the Platform.

13.8 No User shall save copies of, download, print or otherwise store any content of the Platform for any commercial purpose, or trade or sell User accounts in any manner whatsoever.

14.1 While using the Platform, you undertake not to host, display, upload, modify, publish, transmit, update or share any information or content that:

• belongs to another person and to which you do not have any right;
• is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another’s privacy, hateful, or racially or ethnically objectionable, disparaging, relating to or encouraging money laundering or gambling, or otherwise unlawful in any manner whatsoever;
• is harmful to minors in any way;
• impersonates any person or entity, or falsely states or otherwise misrepresents your affiliation with a person or entity;
• threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign States, or public order, or causes incitement to the commission of any cognisable offence, or prevents investigation of any offence, or is insulting to any other nation;
• infringes any patent, trademark, copyright or other intellectual property right;
• contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource;
• deceives or misleads the addressee about the origin of messages or communicates any information which is grossly offensive or menacing in nature; or
• violates any law for the time being in force.

14.2 You further undertake not to:

• engage in any activity that interferes with or disrupts access to the Platform (or the servers and networks connected to the Platform);
• attempt to gain unauthorised access to any portion or feature of the Platform, or any systems or networks connected to the Platform, by hacking, password mining or any other illegitimate means;
• probe, scan or test the vulnerability of the Platform or any connected network, or breach any security or authentication measures;
• use any “scraping”, data mining, robots or similar data gathering and extraction tools, or any hardware or software intended to surreptitiously intercept or obtain any information from the Platform;
• engage in any caching, unauthorised linking or framing of any content on the Platform; modify, distribute, transmit, reverse engineer, or create derivative works from any content of the Platform; or take any action that imposes an unreasonably large load on the Platform’s infrastructure;
• use the Platform for any purpose that is unlawful or prohibited by these Terms, including any fraudulent, money-laundering or terrorist-financing activity; or
• falsify or delete any author attributions, legal notices or proprietary designations or labels.

15.1 The Company employs fraud monitoring and prevention measures, and may verify, monitor, limit, suspend or block any account or transaction where it suspects fraud, identity theft, money laundering, or a violation of these Terms or applicable law, and may report such matters to Lending Partners, law-enforcement and regulatory authorities as required by law, including under the PMLA.

15.2 Closing your account. Once your loan is repaid in full, you may request termination of your registration by writing to the Support E-mail, following which you will no longer be able to access your account. The Lending Partner and the Company will, however, continue to maintain records to the extent required by law, regulatory directions and their internal record-retention policies.

15.3 The Company may terminate the registration of a User if the User has provided false information, has breached these Terms, has died, has become bankrupt or insolvent, has failed to repay a loan, or has been classified under the default category by the partnered Regulated Entity.

15.4 The Company may terminate or suspend your registration immediately and without prior notice if it is aware of or reasonably suspects that you are engaged in, or may be the victim of, fraudulent activity, or that you are acting against the interests of the Platform, damaging its reputation unlawfully, or using information available on the Platform for unauthorised commercial purposes.

15.5 Termination of your registration will not affect your obligation to repay any amounts borrowed under a loan agreement, or any accrued rights or obligations of either party.

16.1 Service messages. The Company will send you transactional and service communications (“Service Messages”) — including notifications at various stages of your loan, repayment reminders and regulatory disclosures — via SMS, e-mail, push notification, WhatsApp or telephone. Service Messages are necessary for the provision of the Services and are not promotional.

16.2 Promotional communications. Promotional and marketing communications (including via SMS, e-mail, WhatsApp and push notifications) will be sent only with your prior, explicit and specific consent, which is separate from your consent to these Terms. You may opt out at any time through your account preferences or by writing to the Support E-mail, and such opt-out shall not affect Service Messages or the Services.

16.3 All consents obtained on the Platform — including consents for credit bureau access, KYC verification, bank statement analysis, Account Aggregator-based data sharing, and device permissions — are obtained in a granular, informed, specific and revocable manner, as detailed in the Privacy Policy.

17.1 The Platform may contain links or redirections to third-party websites, applications, payment gateways, or resources, and may integrate third-party services (including KYC, payment, analytics and Account Aggregator services). Such websites, services and resources are not controlled by the Company, and separate terms of use and privacy policies may apply to them.

17.2 You acknowledge and agree that the Company is not responsible for the availability of such external sites, services or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from them. Your interaction with any third party accessed through the Platform is at your own risk, and the Company will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties, to the maximum extent permitted by law. This clause does not dilute the Company’s responsibility, or that of its Lending Partners, for outsourced activities under applicable RBI directions.

18.1 “Intellectual Property Rights” or “IPR” means and includes copyrights (whether registered or not), patents (including rights of filing patents), trademarks, trade names, trade dress, house marks, collective marks, associated marks and the right to register them, designs (both industrial and layout), geographical indications, moral rights, broadcasting rights, and all other intellectual property rights subsisting under applicable law, including in all text, graphics, user interfaces, visual interfaces, sounds, artwork, software and computer code in relation to the Platform.

18.2 All IPR in and to the Platform, including the “Quick Money” brand, name, logo and marks, belongs exclusively to the Company or its licensors. Nothing in these Terms transfers any IPR to any User. Any IPR arising out of or in connection with the Platform, including from feedback or modifications, shall vest solely in the Company.

18.3 Except as expressly permitted, you shall not copy, republish, post, display, translate, transmit, reproduce, distribute or otherwise infringe any IPR of the Company or any third party through any medium without prior written authorisation.

19.1 The Company may use, at its sole discretion and without restriction or compensation, any feedback, suggestions or information submitted by Users for the purpose of upgrading or enhancing the Platform, and may modify the Quick Money Platform on the basis of such feedback.

19.2 By submitting feedback, you warrant that the feedback does not contain confidential or proprietary information belonging to you or any other person, and you acknowledge that you shall not be entitled to any compensation or attribution in respect of it.

20.1 If the Company becomes aware — by itself or upon receipt of a communication from any User — of any content on the Platform that violates these Terms, applicable law or the rights of any person (including violations of privacy, misuse of personal information or infringement of IPR), the Company may remove or disable access to such content in accordance with the IT Act and the rules thereunder.

20.2 Reports may be sent to the Company at the Support E-mail or to the Grievance Officer identified in Clause 26.

20.3 Violations may result in a range of actions, including limits on account privileges, temporary suspension, indefinite suspension, formal warning or termination.

21.1 You hereby indemnify, defend and hold harmless the Company, its affiliates, vendors, agents, and their respective directors, officers, employees, contractors and agents (collectively, the “Indemnified Parties”) from and against any and all losses, liabilities, claims, suits, proceedings, penalties, interest, damages, demands, costs and expenses (including reasonable legal fees) asserted against or incurred by the Indemnified Parties arising out of, resulting from, or in connection with:

• your breach of these Terms;
• any claim made by any third party due to, or arising out of, your use of the Platform;
• any claim that content or materials provided by you infringe the IPR or other rights of, or have caused damage to, a third party; or
• your violation of any applicable law or the rights of any third party.

21.2 The Company shall promptly notify you of any such claim, and you shall be obligated to consult with the Company regarding the course of action in defending such claim. You shall not compromise or settle any claim, or admit any liability or wrongdoing on the part of the Company, without the Company’s prior written consent.

22.1 To the maximum extent permitted by applicable law, in no event shall the Company, its subsidiaries or affiliates, and their respective officers, directors, employees, partners or suppliers, be liable to you for any special, incidental, indirect, consequential, exemplary or punitive damages whatsoever — including damages resulting from loss of use, data or profits — whether or not foreseeable, and regardless of the theory of liability (contract, warranty, negligence or other tort), arising out of or in connection with your use of or access to the Platform or the Services.

22.2 As the Company does not charge you any fee directly for facilitating a loan (save as expressly disclosed in the KFS), no fee-based numeric cap on the Company’s liability applies under this Clause. The extent of the Company’s liability shall instead be governed by the exclusions in Clause 22.1 and by applicable law.

22.3 Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, including under the Consumer Protection Act, 2019, or the Company’s obligations under applicable RBI directions.

The Platform and the Services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, the Company disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement. The Company does not warrant that the Platform will be uninterrupted, error-free or free of viruses or other harmful components, although it employs commercially reasonable measures and security practices as described in the Privacy Policy.

If the performance of any obligation of the Company under these Terms is prevented, restricted, delayed or interfered with by reason of any event beyond its reasonable control — including labour disputes, strikes, acts of God, floods, lightning, severe weather, epidemics or pandemics, shortages of materials, rationing, introduction of any virus, trojan or other disruptive mechanism, hacking or illegal usage of the Platform, utility or communication failures, earthquakes, war, revolution, acts of terrorism, civil commotion, acts of public enemies, blockade, embargo, or any law, order, proclamation, regulation, ordinance, demand or requirement of any government or judicial authority — the Company shall be excused and discharged from such performance to the extent of and during the period of such force majeure event, and such non-performance shall not amount to a breach of these Terms.

25.1 The Company processes personal data in accordance with the DPDP Act, the IT Act and the rules thereunder (including, to the extent applicable, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011), the RBI Digital Lending Guidelines and the Privacy Policy. In respect of personal data processed to facilitate a loan, the Company acts as a Data Processor on the instructions of the Lending Partner, who is the Data Fiduciary for such data; in respect of data relating to the Company’s own non-lending services and marketing, the Company acts as the Data Fiduciary, each as further described in the Privacy Policy.

25.2 Collection of data by the Platform is need-based, with your explicit prior consent, and with an auditable trail. You may manage, review and withdraw consents, and exercise your rights of access, correction, erasure, grievance redressal and nomination, in the manner set out in the Privacy Policy.

25.3 The Company will retain and use your information as necessary to comply with legal obligations, resolve disputes and enforce agreements entered into for providing the Services, in accordance with the Privacy Policy and applicable law. No personal data is used for cross-selling or marketing purposes without your separate, explicit and revocable consent.

26.1 If you have a complaint regarding the Platform, the Services or a loan agreement, you may write to the Support E-mail with brief details of your complaint and your account reference. The Company will acknowledge your complaint within 1 (one) working day and endeavour to send an initial response within 15 (fifteen) working days.

26.2 In accordance with the IT Act, the rules thereunder and the RBI Digital Lending Guidelines, the Company has designated a Grievance Redressal Officer:

Grievance Redressal Officer: 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.

26.3 You may also approach the grievance redressal officer of the concerned Lending Partner, whose details are set out in the KFS and on the Lending Partner’s website.

26.4 If your complaint against the Lending Partner or the Company (as its LSP) is not resolved within 30 (thirty) days, you may lodge a complaint under the Reserve Bank – Integrated Ombudsman Scheme, 2021 over the RBI Complaint Management System (CMS) portal (https://cms.rbi.org.in) or as otherwise notified by RBI.

These Terms shall be governed by and construed in accordance with the laws of India. Subject to Clause 28 (Dispute Resolution), the courts at Mumbai shall have exclusive jurisdiction over any disputes arising out of or in connection with these Terms. Nothing in this clause limits your rights under the Consumer Protection Act, 2019, including your right to approach the consumer dispute redressal fora at the places permitted by that Act.

28.1 In the event any dispute arises out of or in connection with these Terms, including their validity, the parties shall first endeavour to settle such dispute amicably. The attempt to bring about an amicable settlement shall be treated as having failed as soon as one of the parties, after reasonable attempts continuing for not less than 15 (fifteen) calendar days, gives written notice to that effect to the other party.

28.2 On such failure, the dispute shall be referred to arbitration by a sole arbitrator appointed by mutual agreement of the parties, and failing agreement within 30 (thirty) days, appointed in accordance with the Arbitration and Conciliation Act, 1996, as amended. The arbitration shall be conducted in accordance with the Arbitration and Conciliation Act, 1996; the seat and venue of arbitration shall be Mumbai, India; and the language of arbitration shall be English. The award of the arbitrator shall be final and binding, subject to applicable law.

28.3 This clause does not preclude you from exercising any non-waivable statutory remedy, including under the Consumer Protection Act, 2019 or before the RBI Ombudsman.

All notices to be issued by the Company pursuant to these Terms shall be served on the User by e-mail to the User’s registered e-mail address or by general notification on the Platform. Any notice to the Company shall be sent to the Grievance Officer by e-mail at the address specified in Clause 26, or by post to the Company’s registered office.

30.1 These Terms, the Privacy Policy, all consents recorded on the Platform, and all documents executed through the Platform constitute electronic records within the meaning of the IT Act and are valid and enforceable.

30.2 You agree that clicking “I Agree”/“Submit” (or similar), authenticating by OTP, or executing documents by Aadhaar-based e-sign or other electronic signature methods recognised under the IT Act, constitutes your valid execution and acceptance of such documents, with the same legal effect as a handwritten signature.

31.1 Assignment. These Terms, and the rights and obligations hereunder, shall not be assigned or otherwise transferred by you. The Company may assign or transfer its rights and obligations under these Terms to any affiliate or successor (including pursuant to a merger, acquisition or restructuring), subject to applicable law; where required by law, notice of such assignment will be provided.

31.2 Severability. If any provision of these Terms is held to be invalid, void or unenforceable, such provision shall be severed, and the remainder of these Terms shall continue in full force and effect.

31.3 Waiver. Any failure or delay by a party to enforce or exercise any provision of these Terms, or any related right, shall not constitute a waiver of that provision or right. Any waiver shall be effective only if made in writing and executed by a duly authorised officer of the waiving party.

31.4 Relationship. Nothing in these Terms shall constitute or be deemed to constitute a partnership, joint venture, agency or employment relationship between the parties, or confer on any party the authority to bind the other.

31.5 Survival. Clauses which by their nature are intended to survive termination — including Clauses 18 (Intellectual Property), 21 (Indemnity), 22 (Limitation of Liability), 27 (Governing Law), 28 (Dispute Resolution) and accrued payment obligations — shall survive the termination or expiry of these Terms.

31.6 Entire Agreement. These Terms, together with the Privacy Policy, the Refund and Cancellation Policy, the Disclaimer and any additional guidelines incorporated by reference, constitute the entire agreement between you and the Company with respect to the Platform, and supersede all prior or contemporaneous understandings regarding the same. Loan agreements executed with Lending Partners are separate contracts between you and the relevant Lending Partner.

31.7 Jurisdictional use. The Platform and the Services are intended solely for use by residents of India within India. The Company shall not be liable for use or availability of the Services in locations outside India.

In these Terms, unless the context otherwise requires:

• “Borrower” means a person registered as a borrower on the Platform.
• “CIC” or “Credit Information Company” means a credit information company registered under the Credit Information Companies (Regulation) Act, 2005, including TransUnion CIBIL, Experian, Equifax and CRIF High Mark.
• “Lending Partner” / “Regulated Entity” / “RE” means a bank or NBFC regulated by the RBI and partnered with the Company for the provision of credit through the Platform; as of the date of these Terms, this means Ruloans Financial Private Limited (CIN U65999MH2018PTC309853, RBI CoR No. N-13.02385), as updated from time to time on the Platform at https://www.quick.money.
• “LSP” means Loan Service Provider, as defined under the RBI Digital Lending Guidelines.
• “Prohibited Sectors” means any business area prohibited by the Government of India or the RBI.
• “RBI” means the Reserve Bank of India.
• “Services” means the loan facilitation and other lending-related services, and any non-lending/value-added services, made available by the Company through the Platform.
• “Support E-mail” means Support@quick.money.