Fair Practices Code

This code sets out how Quik Rupee behaves as a marketplace. It follows the spirit of the Reserve Bank of India's Digital Lending Directions and applies to everything we publish and every message we send.

1. We say what we are, and who we are

On every page and in every message we state plainly that Quik Rupee is a marketplace and not a lender, and that the loan comes from a separate regulated lender who makes all credit decisions.

We also state plainly who operates the service. Quik Rupee is operated by CYBERTECH LLC, a limited liability company registered in the Republic of Armenia, for users in India. CYBERTECH LLC is not an Indian company, holds no licence or registration from any Indian regulator, and does not present itself as holding one. Its registration details are published in the Company details section.

2. We name the lender before you commit

You see the lender's name, the indicative APR, the repayment range and a representative example, and a link to that lender's Key Fact Statement, before any of your details are passed to them. You decide whether to proceed.

3. No mis-selling and no dark patterns

We do not use, and will not use:

• "guaranteed approval", "pre-approved", "instant cash", "no credit check", "100% approval" or any equivalent;
• rates or amounts we cannot evidence, or "from" rates that no partner actually offers;
• countdown timers, fake scarcity, fake reviews, fake counters or pre-ticked consent boxes;
• the name or logo of any bank or NBFC we do not have a written agreement with.

4. Regulated lenders only

We refer enquiries only to banks and non-banking financial companies registered with the Reserve Bank of India, or to lending service providers acting for them. We do not work with unlicensed lenders. We verify a partner's registration before onboarding it and we stop referring to a partner whose registration lapses.

5. Products we will not promote

We do not promote payday loans or single-repayment loans. The minimum repayment period for any product introduced through Quik Rupee is 91 days, and the maximum APR is 36% per annum.

6. We are free for borrowers

We never charge a borrower. Our income is a referral commission paid by the lender on disbursal, and we disclose this. It does not change the rate you are offered. We will never ask you for an upfront payment of any kind.

7. How offers are ordered

Where we rank or feature offers, we do so on a consistent, disclosed basis. We do not present a paid placement as if it were an objective "best match" without saying so.

8. Your data

We collect only what is needed to match you to an offer, we ask for explicit consent first, we share with one lender only, and we never sell your data. We do not request access to your contacts, SMS, call log, photos or files. See the Privacy Policy.

9. Recovery and collections

Quik Rupee does not collect repayments and does not carry out recovery. We have no recovery agents. Anyone contacting you about repayment on behalf of "Quik Rupee" is not us - report it to grievance@quikrupee.in.

10. Complaints

If we fall short of this code, tell us. The process and timelines are in the Grievance Redressal Policy, including how to escalate to the Reserve Bank of India if you are not satisfied.