Terms & Conditions

1. Acceptance of Terms

By accessing or using the quickcredix website (quickcredix.shop) or any services offered by quickcredix Financial Services, you agree to be bound by these Terms and Conditions. If you do not agree to all these terms, you must stop using our services immediately.

quickcredix reserves the right to modify these Terms at any time. Continued use of our services after modifications constitutes your acceptance of the revised Terms.

2. Eligibility

To use quickcredix services, you must:

• Be at least 21 years of age
• Be a resident citizen of India
• Have a valid PAN card and Aadhaar card
• Have a regular source of income (salaried or self-employed)
• Have a valid bank account in India
• Not be bankrupt or have any pending insolvency proceedings

3. Website Usage

You agree to use the quickcredix website only for lawful purposes. You must not:

• Use the site in any way that violates applicable Indian or international laws
• Transmit any unsolicited or unauthorized advertising material
• Attempt to gain unauthorized access to any part of the quickcredix system
• Use the website to harm, harass, or impersonate quickcredix or other users
• Upload malicious code, viruses, or destructive data
• Scrape or harvest any content from the quickcredix website

4. Loan Services Disclaimer

quickcredix acts as a financial services facilitator and loan aggregator. We connect borrowers with lending partners including registered NBFCs and banks. Important disclaimers:

• quickcredix does not guarantee loan approval for any applicant
• Loan offers are subject to credit assessment and internal policies of lending partners
• Interest rates displayed are indicative and may vary based on borrower profile
• quickcredix is not a bank and does not hold deposits
• All final loan terms are between the borrower and the lending NBFC/bank
• RBI's Fair Practices Code applies to all loans facilitated through quickcredix

5. Interest Rates & Fees

Interest rates and fees vary based on loan type, borrower profile, and lending partner policies. quickcredix ensures all charges are disclosed before loan agreement signing. Typical charges include:

• Processing fee: 0.5% – 3% of loan amount (may vary)
• Late payment penalty: 2% per month on overdue amount
• Prepayment charges: Nil to 5% depending on lender policy
• Bounce charges: ₹500 – ₹1,000 per dishonoured ECS/NACH

All charges are inclusive of applicable GST.

6. Intellectual Property

All content on the quickcredix website — including logos, brand name, text, images, graphics, and code — is the intellectual property of quickcredix Financial Services. You may not reproduce, distribute, or create derivative works without express written permission from quickcredix.

7. Limitation of Liability

To the maximum extent permitted by Indian law, quickcredix shall not be liable for:

• Any loss of profit, revenue, or data arising from use of our services
• Inaccuracies in information provided by lending partners
• Service interruptions due to technical issues beyond our control
• Decisions made by lending partners regarding loan approvals or rejections
• Third-party website content linked from the quickcredix platform

quickcredix's maximum liability in any event shall not exceed the processing fee paid by you for the relevant transaction.

8. Indemnification

You agree to indemnify and hold harmless quickcredix, its directors, employees, and partners from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from your use of our services, violation of these Terms, or infringement of any third-party rights.

9. Payment & EMI Obligations

Once a loan is disbursed through quickcredix's lending partners, you are obligated to:

• Repay EMIs on or before the due dates specified in your loan agreement
• Maintain sufficient balance in your registered bank account for ECS/NACH deductions
• Inform the lender immediately of any change in employment, address, or financial status
• Not default on your loan obligations

10. Governing Law & Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of India, specifically:

• The Information Technology Act, 2000 and its amendments
• The Reserve Bank of India Act, 1934
• The Consumer Protection Act, 2019
• The Indian Contract Act, 1872

Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of courts in India. quickcredix encourages resolution through our grievance redressal mechanism before approaching courts.

11. Grievance Redressal

quickcredix is committed to resolving customer complaints efficiently. If you have a grievance:

• Step 1: Email grievance@quickcredix.shop with full details
• Step 2: If unresolved in 7 days, escalate to our Grievance Officer
• Step 3: If unresolved in 30 days, you may approach RBI's Banking Ombudsman

12. Contact

For any questions about these Terms, contact quickcredix at legal@quickcredix.shop or call +91 99999 99999.