Terms of Service

1. Acceptance of these terms

By accessing or using the Quickcred website, submitting an application, or otherwise availing our services, you ("user", "you") agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, please do not use the site.

2. Eligibility

You must be at least 18 years old, an Indian resident with valid KYC documents, and legally competent to enter into a binding contract under the Indian Contract Act 1872. Loan and credit-card products are further subject to the eligibility criteria of the respective lender or issuer.

3. Our role - we are an intermediary, not a lender

We do not control, and are not responsible for, the lender's underwriting decision, interest rate, processing fees, terms and conditions, disbursal timelines, or post-disbursal servicing.

4. Indicative rates and EMI estimates

Interest rates, EMI estimates, tenure options, and loan amounts shown on this site (including those produced by the EMI Calculator) are indicative and based on benchmark data for salaried applicants with a CIBIL score of 700 or above. They are not offers of credit and do not constitute a commitment by any lender. Final terms are determined solely by the lender after a full credit assessment.

5. Fees and charges

We do not charge applicants a fee for submitting an application through Quickcred. Lenders typically pay us a referral commission if your application is approved and disbursed. The lender may charge you processing fees, stamp duty, GST, or other charges as part of the loan; these will be disclosed by the lender before you sign the loan agreement.

Beware of anyone asking you to pay an upfront "processing" or "approval" fee in Quickcred's name - we will never ask you to make such a payment.

6. Your obligations

• Provide complete, accurate, and truthful information in the application form and supporting documents
• Promptly inform us of any change in your contact details, employment, or financial circumstances during the application process
• Use the service only for genuine personal or business borrowing purposes and not for any unlawful activity
• Maintain the confidentiality of any login credentials or reference numbers we provide

7. Prohibited use

You may not use the website or our services to:

• Submit false, forged, or impersonated information or documents
• Engage in fraud, money laundering, or financing of terrorism
• Reverse-engineer, scrape, or attempt to interfere with the website's operation
• Use any automated means (bots, scrapers) without our written permission
• Infringe the intellectual-property or privacy rights of others

8. Third-party content and links

Our website may link to third-party websites (such as lenders or credit bureaus) for your convenience. We do not endorse, control, or take responsibility for the content, accuracy, or privacy practices of those websites. Your dealings with any third party are solely between you and that third party.

9. Intellectual property

All content on this website, including the Quickcred name and logo, text, graphics, page layouts, and code, is owned by or licensed to Quickcred and is protected under Indian and international copyright and trademark laws. You may view and print pages for personal, non-commercial use only. Any other use - including reproduction, modification, or distribution - requires our prior written consent.

10. Disclaimer of warranties

The website and our services are provided on an "as is" and "as available" basis. To the maximum extent permitted by law, we make no warranties or representations - express or implied - regarding the accuracy, completeness, timeliness, reliability, or fitness for a particular purpose of any information on the site, including indicative rates and EMI calculations.

11. Limitation of liability

To the maximum extent permitted by law, Quickcred, its directors, employees, and agents shall not be liable for any indirect, incidental, consequential, special, or exemplary damages arising out of or in connection with your use of the website or our services - including, but not limited to, loss of profits, loss of data, or loss of goodwill - even if we have been advised of the possibility of such damages.

Our aggregate liability for any direct damages arising from your use of the services shall not exceed the referral commission, if any, that we have actually received from the lender in relation to your specific application.

12. Indemnification

You agree to indemnify and hold Quickcred harmless from any claim, demand, loss, or expense (including reasonable legal fees) arising out of (a) your breach of these Terms; (b) information you submit being inaccurate or misleading; or (c) your violation of any law or third-party right.

13. Termination

We may suspend or terminate your access to the website or services at any time, with or without notice, if we reasonably believe you have violated these Terms or applicable law. Termination does not affect any rights or obligations that have accrued before termination.

14. Governing law and jurisdiction

These Terms are governed by the laws of India. Any dispute arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts at Delhi, India.

15. Changes to these terms

We may update these Terms from time to time. The "Last updated" date at the top of this page indicates when the most recent changes were made. Your continued use of the website after any change constitutes acceptance of the revised Terms.

16. Grievance officer