Grievance Redressal Policy

If something has gone wrong, we want to hear about it. This page tells you exactly who to contact, what we will do and how long it will take, and how to escalate if we do not fix it.

1. Grievance Redressal Officer

The Grievance Redressal Officer is appointed under the Information Technology Act 2000 and section 13 of the Digital Personal Data Protection Act 2023.

CYBERTECH LLC is established outside India. That does not narrow your rights. We accept complaints from users in India, we answer them on the timelines set out below, and the external escalation routes in section 6 stay open to you.

2. How to raise a complaint

Email grievance@quikrupee.in, or write to the postal address above, with:

• your name and the mobile number you used with us;
• the date of the enquiry or message you are complaining about;
• what happened and what you would like us to do;
• any reference number, screenshot or message we sent you.

3. What we will do, and by when

Every complaint is logged with a reference number, and we tell you the outcome and what, if anything, we have changed.

4. Escalation inside Quik Rupee

If you are not satisfied with the response from the Grievance Redressal Officer, you may escalate to [[TODO: name and email of the escalation contact, normally a director or the Nodal Officer]].

5. If your complaint is about a loan or a lender

Quik Rupee does not lend, service or collect loans. If your complaint concerns a loan you have taken, the lender is the regulated entity responsible and you should raise it with that lender's own grievance officer, whose details appear in your loan agreement and Key Fact Statement. We will tell you which lender received your enquiry and help you reach the right contact.

Complaints we can handle ourselves include: how we handled your data, messages you did not consent to, an inaccurate offer shown on our site, conduct by anyone claiming to represent Quik Rupee, and anyone asking you to pay a fee to us.

6. Escalating outside Quik Rupee

• About a regulated lender, unresolved after 30 days: Reserve Bank of India Complaint Management System, cms.rbi.org.in, or the RBI Sachet portal at sachet.rbi.org.in.
• About how we handled your personal data: the Data Protection Board of India, after you have first raised it with our Grievance Redressal Officer, as the DPDP Act 2023 requires.
• Financial fraud or a cyber crime: the National Cyber Crime Reporting Portal, cybercrime.gov.in, or the helpline 1930.

7. Fraud warning

Quik Rupee never asks a borrower for money. We do not charge application fees, processing fees, deposits, "insurance", "GST clearance" or "verification amounts". If anyone contacts you claiming to be from Quik Rupee and asks for a payment or for an OTP, do not pay and do not share the OTP. Report it to grievance@quikrupee.in and to 1930.