Privacy Policy

1. Introduction:

Welcome to QCK Loans. This privacy policy (“Policy”) applies to your use of the website www.qckloans.com (“Website”), a service provided by QCK Loans (“we”, “us”, or “our”), focusing on unparalleled education financing. This Policy outlines our commitments and your rights concerning your personal data.

2. Who is responsible:

The Data Controller responsible for your personal data under this Policy is QCK Loans, ensuring the protection and proper use of your personal data.

3. Applicability of this privacy policy:

This Policy applies to all users (“you” or “your”) of the Website and describes how we collect, use, process, and share your personal data, as well as your privacy rights.

4. What is personal data:

Personal data refers to any information relating to an identified or identifiable natural person (‘data subject’) including but not limited to your name, contact details, financial information, and any other information provided to us by you or collected by us.

5. How and why we obtain personal data:

We collect personal data to provide and improve our services, process your requests, comply with legal obligations, and for direct marketing with your consent. Personal data is collected directly from you when you use our services, visit our Website, or contact us. Data while using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:

Email address
First name and last name
Phone number
Address, Country, State, Province, ZIP/Postal code, City
Cookies and Usage Data

When you voluntarily send us electronic mail, we will keep a record of this information so that we can respond to you. We only collect information from you when you register on our site or fill out a form. Also, when filling out a form on our site, you may be asked to enter your: name, e-mail address or phone number. You may, however, visit our site anonymously. In case you have submitted your personal information and contact details, we reserve the rights to Call, SMS, Email or Whatsapp about our products and offers, even if your number has DND activated on it. We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link

What data do we collect about you?

Registration and other account information
When you register to use our Services, we may collect the following information about you:
If you register using your Google account: first name, last name and email address.
If you register using your Facebook account: we collect first name and last name as appeared on your Facebook account, Facebook IDs and the URL to your Facebook profile picture. In the event you have provided permission to Facebook through their in-app privacy option (which appears just before you register on our Platform), we may collect your gender, age or email id depending on the permissions granted by you.
If you register using your Truecaller account: we collect your first name, last name, email address and your mobile number.
If you register using your mobile number: we collect your mobile number.
If you register using your email id: we collect your email id

6. Personal data:

Including your full name, address, email address, phone number, and financial data related to loan applications.

7. Location data:

Depending on your device permissions, if you post an item on our Platform, we automatically collect and process information about your actual location. We use various technologies to determine location, including IP address, GPS, Wi-Fi access points and mobile towers. Your location data allows you to see opportunities near you and helps you in applying for jobs within your location. . In case we need your location data, we will first show you a pop-up which will ask you to choose to allow or not to allow us to access your location data. If you do not allow us to have access to your location data, you will still be able to use our Services but with limited functionality. If you do allow us to access your location data you can always change this later by going to the settings on our Website and disable the permissions related to location sharing.

8. Usage data:

Including how you use our Website, which aids us in improving user experience.
Personal data retention periods are determined based on the necessity to fulfill the purposes for which they were collected, compliance with legal obligations, and resolution of disputes.

9. Clickstream data:

We collect information about your activity on our Platform, which includes the sites from which you accessed our Platform, date and time stamp of each visit, searches you have performed, listings or advertisement banners you clicked, your interaction with such advertisements or listings, duration of your visit and the order in which you visit the content on our Platform.

10. Client and log data:

Technical details, including the Internet Protocol (IP) address of your device, time zone and operating system. We will also store your login information (registration date, date of last password change, date of the last successful login), type and version of your browser.

11. Data security:

QCK Loans employs industry-standard security measures to protect the confidentiality, integrity, and availability of user data. We utilize encryption, access controls, and other appropriate technical and organizational measures to safeguard against unauthorized access, disclosure, alteration, or destruction of personal data. However, please note that no method of transmission over the internet or electronic storage is entirely secure, and we cannot guarantee absolute security of user data. Users are encouraged to take reasonable precautions to protect their personal information, such as choosing strong passwords and keeping them confidential. In the event of a data breach that may compromise the security of user data, QCK Loans will promptly notify affected individuals in accordance with applicable legal requirements. By using our website and services, you acknowledge and accept the inherent risks associated with the transmission and storage of data over the internet.

12. Cookie policy:

Our Website uses cookies and similar technologies to enhance your browsing experience.

What is a cookie:

A small text file stored on your device to collect data about your visit and use of our Website.

Use of cookies:

Cookies help us improve your access to our site, identify repeat visitors, and track Website usage and preferences. We use both permanent and session cookies. With the use of permanent cookies we can recognize you on a new visit and apply your preferred settings to the website, such as when you have accepted cookies you don’t have to accept it again for your next visit. You can delete the permanent cookies in the settings of your browser. With the use of session cookies we can track which parts of the website you have visited, with this data we can optimize the way visitors experience our website. The session cookies will be deleted automatically as soon as you close your web browser.

13. Google analytics & hubspot:

These services use cookies for tracking visitor behavior and website performance, ensuring optimal user experience. Our website makes use of Google Analytics, which uses cookies to collect and analyse information about use of the services and report on activities and trends. This service may also collect information regarding the use of other websites, apps and online resources. Google Analytics cookies are automatically deleted are 14 months. For more information on Google Analytics, we refer you to their website: ___________privacy.

14. Privacy rights:

14. PRIVACY RIGHTS:You have the right to access, amend, delete, or restrict the processing of your personal data as provided by law. You can exercise these rights by contacting us at info@qckloans.com

15. Amendments:

We may update this Policy from time to time. The revised policy will be posted on this Website with an updated revision date.

16. Terms and conditions and disclaimer:

Please also visit our Terms and Conditions section, establishing the use, disclaimers, and limitations of liability governing the use of our Website. These terms and conditions (“Terms and Conditions”) sets out the terms and conditions on which you may access and use the services and products offered by _______ and its affiliates (“_____”).These terms and conditions (“Terms and Conditions”) sets out the terms and conditions on which you may access and use the services and products offered by ______ and its affiliates (“____________”). By accessing this website (“Site”) you agree to the Terms and Conditions which will bind you. If you do not agree to the terms, you must not access or use the Site. This Site is provided to you without charge as a convenience and for your information only. By merely providing access to this Site content, we do not warrant or represent that:

The content is complete;
The content is up-to-date or current
We have a duty to update any content
the content is free from technical inaccuracies or typographical errors
the content is free from changes caused by third parties; or
your access to this Site will be free from interruptions, errors, computer viruses or other harmful components

17. User conduct:

You agree to use the Website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else’s use and enjoyment of the Website.

18. Can-spam act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations. We collect your contact information like mobile number and/or email address, etc in order to: Send information, respond to inquiries, and/or other requests or questions Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.

To be in accordance with CAN-SPAM, we agree to the following:

Not use false or misleading subjects or email addresses.
Identify the message as an advertisement in some reasonable way.
Include the physical address of our business or site headquarters.
Monitor third-party email marketing services for compliance, if one is used. Honor opt-out/unsubscribe requests quickly.
Allow users to unsubscribe by using the link at the bottom of each email.
If at any time you would like to unsubscribe from receiving future emails, you can email us at and we will promptly remove you from ALL correspondence.

19. Third-party links and contents:

Our Website may contain links to third-party sites. We are not responsible for the privacy practices or the content of such sites. We may provide hyperlinks or pointers to other web sites maintained by third parties or may provide third party content on this Site by framing or other methods. The links to third party web sites are provided for your convenience and information only. The content in any linked web sites is not under our control so we are not responsible for the content, including any further links in a third party site. If you decide to access any of the third party sites linked to this Site, you do this entirely at your own risk. It is up to you to take precautions to ensure that the third party you link to for your use is free of computer viruses, worms, Trojan horses and other items of a destructive nature.

20. Communications:

We will communicate with you by email or SMS in connection with our Services/Platform to confirm your registration, to inform you in case your ad listing has become live/expired and other transactional messages in relation to our Services. As it is imperative for us to provide you such transactional messages you may not be able to opt-out of such messages.

Corporate affiliates: We may share your data with our group companies, which are located within India and help us in providing business operation services such as product enhancements, customer support and fraud detection mechanism who help detect or prevent potentially illegal acts and provide joint services (Our corporate affiliates will market only to users who ask them to).

Third Party Service Providers: We use third party service providers to help us deliver certain aspect of our Services for example, cloud storage facilities. We conduct checks on our third-party service providers and require them to respect the security of your personal data and to treat it in accordance with the law. We do not allow them to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

Advertising and analytics providers: In order to improve our Services, we will sometimes share your non-identifiable information with analytics providers that help us analyze how people are using our Platform/Service. We, share your information with them in non-identifiable form for monitoring and reporting the effectiveness of the campaign delivery to our business partners and for internal business analysis.

Law enforcement authorities, regulators and others: We may disclose your personal data to law enforcement authorities, regulators, governmental or public bodies and other relevant third parties comply with any legal or regulatory requirements. We also reserve the right to make use of the personal information in any investigation or judicial process relating to fraud on account of such transactions during the period QCK loans retains such information. We may also disclose personal information to enforce our policies, respond to claims that a posting or other content violates other’s rights, or protects anyone’s rights, property or safety.

Access, Modification, and Deletion – You can see, modify or erase your personal information by reviewing your posting or account status page. Contact customer support at (Email) to review any personal information we store that is not available on QCK Loans. There may be a charge associated with such requests but these will not exceed the amounts permitted by law.

21. Technical and organizational measures and processing Security

All the information we receive about you are stored on secure servers and we have implemented technical and organizational measures that are suitable and necessary to protect your personal data (encryption, passwords, physical security), in accordance with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information Rules), 2011.

QCK loans continually evaluates the security of its network and adequacy of its internal information security program, which is designed to

Help secure your data against accidental or unlawful loss, access or disclosure,
Identify reasonably foreseeable risks to the security of the network, and
Minimize security risks, including through risk assessment and regular testing.

Unfortunately, no data transmission over the internet can be guaranteed to be completely secure. So while we strive to protect such information, we cannot ensure or warrant the security of any information you transmit to us and you do so at your own risk. Once any personal information comes into our possession, we will take reasonable steps to protect that information from misuse and loss and from unauthorized access, modification or disclosure.

22. Trademarks:

The trademarks and brand features appearing on this Website are owned by us and are protected by applicable laws. The trademarks, service marks, trade names and logos used and displayed on this Site are our registered and unregistered trademarks. Nothing on this Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark, without our written permission. We aggressively enforce our intellectual property rights. The ownership of the APIs offered, lies with us, and by using our APIs, you do not acquire ownership of any rights in our APIs or the content that is accessed through our APIs. A non-exclusive, irrevocable, royalty free, limited license to use the API, solely for the services as decide between the parties, will be granted by us.

23. Compliance to law:

We will comply with all applicable laws, including privacy and data protection laws.

24. Indemnity:

You agree to indemnify us against any claims, losses, liabilities, damages, and expenses (including legal fees) arising from your use of this Website.

25. Limitation of liability:

Our liability to you in connection with this Website or these terms, in contract, tort (including negligence), or otherwise, is limited as allowed under applicable law.

26. Cancellation and refund policy:

Please refer to our specific cancellation and refund policy outlined on our Website for details regarding the process and conditions.

27. Disclaimer

The website and its contents are provided for general information purposes only and nothing on this Site or in its contents is intended to provide legal, data protection compliance or other professional advice. We do not accept any responsibility for any loss which may arise from reliance on information or materials published on this website. To the extent permissible by applicable laws we are not responsible or liable for any matter relating to you or any third parties accessing or using this website and its contents.

By using the Website, you consent to this Privacy Policy. If you have questions about our privacy practices, please contact us at info@qckloans.com

29. General:

This Policy, together with the Terms and Conditions, constitutes the entire agreement between you and QCK Loans regarding its subject matter.

30. Cancellation and refund policy

QCK Loans, a service provided by QCK Loans Pvt. Ltd.

Once a loan application is submitted and confirmed with partial payment, any cancellation thereafter will not be eligible for a refund of the partial payment made.

The terms and conditions of the loan, including interest rates and repayment terms, are subject to change. In the event of changes to the terms after the submission of a loan application, the applicant will be notified accordingly, and the terms agreed upon at the time of application may vary.

By submitting a loan application, you authorize QCK Loans Pvt. Ltd. and its representatives to contact you via phone, SMS, email, or WhatsApp regarding their loan products, services, sales, and offers, subject to the terms and conditions of use.

Please note that this policy is subject to change at any time without prior notice. It is your responsibility to review this policy periodically for any updates or changes.

If you have any questions or concerns regarding this policy, please contact us at info@qckloans.com

By continuing to use the services provided by QCK Loans Pvt. Ltd., you acknowledge that you have read, understood, and agree to be bound by this cancellation and refund policy. If you do not agree to these terms, please refrain from using our services.

If you have any queries relating to the processing/ usage of information provided by you or QCK Loans Privacy Policy, you may email at mail id or write to us at info@qckloans.com

CONTACT ADDRESS: 19, G-2, Brigade Gardens Church Street, Bengaluru.