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Privacy Policy

How quickcredix collects, uses, and protects your personal and financial information.

📅 Last Updated: March 25, 2025

1. Introduction

Welcome to quickcredix ("quickcredix", "we", "our", or "us"). This Privacy Policy explains how quickcredix Financial Services collects, uses, discloses, and safeguards your information when you visit our website at quickcredix.shop or use any of our financial services.

By accessing or using quickcredix services, you agree to the collection and use of information in accordance with this Policy. If you disagree with any part of this policy, please do not use our services.

2. Information We Collect

2.1 Personal Identification Information

  • Full name, date of birth, gender
  • PAN card number, Aadhaar number (for KYC compliance)
  • Residential and permanent address
  • Email address and mobile phone number
  • Passport or Voter ID (where applicable)

2.2 Financial Information

  • Income details, employment status, employer information
  • Bank account details (for disbursal purposes)
  • Credit history and CIBIL/credit bureau data
  • Loan application details, repayment history
  • Tax returns and financial statements

2.3 Technical & Usage Data

  • IP address, browser type, device identifiers
  • Pages visited, time spent, click patterns
  • Cookies and session data (see Section 6)
  • Geolocation data (with your consent)

2.4 Communication Data

  • Messages sent to quickcredix via forms, email, or WhatsApp
  • Customer service chat logs and call recordings
  • Feedback and survey responses

3. How We Use Your Information

quickcredix uses your personal and financial information for the following purposes:

  • To process and evaluate your loan applications
  • To verify your identity in compliance with KYC/AML regulations
  • To communicate about your loan status, EMI reminders, and account updates
  • To provide personalized financial product recommendations
  • To send marketing and promotional communications (only with your consent)
  • To improve our website, app, and service quality
  • To detect, prevent, and investigate fraud or security incidents
  • To comply with legal obligations under Indian law

4. Financial Data Handling

quickcredix handles all financial data with the utmost care and in strict compliance with RBI guidelines and applicable Indian financial regulations. Your bank account details are used solely for disbursement of approved loans and collection of EMIs. quickcredix does not store complete bank account credentials on publicly accessible servers.

All financial data is encrypted using 256-bit AES encryption both in transit and at rest. Access to financial data is strictly limited to authorized quickcredix personnel on a need-to-know basis.

5. Sharing of Information

quickcredix does not sell your personal information to third parties. We may share your information with:

  • Lending Partners: NBFCs and banks partnered with quickcredix to process your loan application
  • Credit Bureaus: CIBIL, Experian, CRIF, Equifax – as required by law
  • Service Providers: Cloud storage, email delivery, KYC verification, and analytics vendors bound by confidentiality agreements
  • Legal Authorities: Courts, regulators, and law enforcement agencies when required by law

6. Cookies Policy

quickcredix uses cookies to enhance your browsing experience. Cookies are small text files stored on your device. We use:

  • Essential Cookies: Required for the website to function (cannot be disabled)
  • Analytics Cookies: To understand website traffic and usage patterns (Google Analytics)
  • Marketing Cookies: To serve relevant advertisements (with your consent)
  • Preference Cookies: To remember your settings and preferences

You may disable non-essential cookies via your browser settings. This may affect some website functionality.

7. WhatsApp & SMS Consent

If you opt in to receive WhatsApp or SMS communications from quickcredix, we will use your mobile number to send:

  • Loan application status updates
  • EMI due date reminders
  • Promotional offers and new product announcements
  • Important account and security notifications

You may opt out of WhatsApp/SMS marketing at any time by sending "STOP" to our WhatsApp number or contacting support@quickcredix.shop. Transactional messages related to your active loan cannot be disabled.

8. Your Rights

As a quickcredix user, you have the following rights regarding your personal data:

  • Right to Access: Request a copy of your personal data held by quickcredix
  • Right to Correction: Request correction of inaccurate or incomplete data
  • Right to Deletion: Request deletion of your data (subject to legal retention requirements)
  • Right to Portability: Request your data in a structured, machine-readable format
  • Right to Object: Object to processing of your data for marketing purposes

To exercise these rights, contact us at privacy@quickcredix.shop.

9. Data Retention

quickcredix retains your personal data for as long as necessary to provide services and comply with legal obligations. Loan application data is typically retained for 7 years as required by Indian financial regulations. Marketing data is deleted upon opt-out or after 3 years of inactivity.

10. Security Measures

quickcredix employs industry-standard security measures including: SSL/TLS encryption, two-factor authentication for account access, regular security audits, firewalls and intrusion detection systems, and employee data protection training. However, no internet transmission is 100% secure and we cannot guarantee absolute security.

11. Changes to This Policy

quickcredix may update this Privacy Policy periodically. We will notify you of material changes via email or a prominent notice on our website. Continued use of our services after changes constitutes acceptance of the updated policy.

12. Contact Us

For any privacy-related concerns, requests, or complaints, please contact quickcredix at: