Privacy Policy
Last updated · December 2025
Your privacy is our priority. This policy explains what personal information Quikkred (a brand of FluxusForge Private Limited) collects, how we use it, and the rights you have. Quikkred is powered by Satsai Finlease Private Limited, an RBI-registered NBFC (Registration No. B-14.01646).
1. Information we collect
We collect information you provide directly (name, email, mobile, PAN, Aadhaar, bank details, employment details, income proof) and information collected automatically (device identifiers, IP address, app usage, location when permitted, SMS metadata with explicit consent for loan eligibility assessment).
2. How we use your information
We use your data to:
- Assess your loan eligibility via AI-powered credit decisioning
- Verify your identity through Aadhaar eKYC, PAN verification, and liveness checks
- Disburse approved loans to your bank account
- Collect repayments and manage your loan lifecycle
- Communicate about your account, repayment reminders, and product updates
- Comply with RBI, KYC, AML, and other regulatory obligations
- Prevent fraud and protect our systems
- Improve our platform and develop new products
3. Data sharing and disclosure
We share data only with:
- Satsai Finlease Private Limited — our RBI-registered NBFC lending partner
- Credit bureaus (CIBIL, CRIF, Experian, Equifax) for credit assessment and reporting
- KYC providers for identity verification (Aadhaar, PAN, DigiLocker)
- Payment gateways and banks for loan disbursement and collection
- Regulators and law enforcement when required by law
- Service providers under strict confidentiality agreements
4. Data security
We implement bank-grade security including 256-bit SSL/TLS encryption, encryption at rest, role-based access controls, regular penetration testing, and ISO 27001 aligned practices. All data is hosted in India per RBI data localization requirements.
5. Data retention
We retain your data as per RBI guidelines — typically for the loan lifecycle plus applicable regulatory retention periods (generally 7 years for financial records). You can request deletion of non-essential data at any time.
6. Your rights
Under applicable law, you have the right to:
- Access and receive a copy of your personal data
- Correct inaccurate information
- Request deletion (subject to regulatory requirements)
- Withdraw consent for marketing communications
- Data portability where applicable
- Raise a grievance with our Nodal Officer
7. App permissions
Our mobile app may request camera (for selfie KYC), location (for regulatory verification), SMS (with explicit consent for income analysis), and phone state (for device verification). All permissions are optional and used only for stated purposes per RBI Digital Lending Guidelines.
9. Changes to this policy
We may update this policy periodically. Material changes will be communicated via email or on our platform. Continued use after updates constitutes acceptance.
10. Contact us
For privacy-related questions, email privacy@quikkred.com. For grievances, email grievance@quikkred.com or contact our Nodal Officer Mr. Manish Soni at +91 93119 13854.
This policy is issued by Quikkred (a brand of FluxusForge Private Limited). Our lending partner is Satsai Finlease Private Limited — an RBI-registered NBFC (Reg. B-14.01646). For queries, email support@quikkred.com.
Built on regulation-first foundations.
Every loan is governed by RBI Digital Lending Guidelines and Fair Practice Code.
Real humans, 24 × 7.
Our support team picks up in under 60 seconds on phone and replies on email in under 2 hours. No IVR mazes.