At KwikSalary, a unit of Gagan Metals Limited (RBI: B-14.01740), we are committed to providing fast, reliable, and transparent financial solutions through our loan offerings—Advance Salary Loan, Personal Loan, Medical Loan, Travel Loan, and Emergency Loan. Our tagline, “Fast Funding for Life’s Urgencies,” reflects our goal of offering timely financial assistance, subject to eligibility and documentation. This Disclaimer outlines the scope, limitations, and legal boundaries of the information and services provided on our website (https://kwiksalary.com/). It is designed to ensure you understand the terms of use and the responsibilities associated with accessing our services.
As a trusted Non-Banking Financial Company (NBFC), we adhere to the Reserve Bank of India’s (RBI) guidelines and ethical practices. This Disclaimer is part of our commitment to transparency, helping you make informed decisions. If you have questions, contact us at info@kwiksalary.com or +91-9289566951 (Monday to Saturday, 10 AM to 6:30 PM).
Scope of This Disclaimer
This Disclaimer applies to all users who visit our website (https://kwiksalary.com/), apply for a loan, or interact with our services in Delhi/NCR, Mumbai, Bengaluru, Pune, and Hyderabad. It covers the content, tools, and services provided on our website, including information about our loan offerings, terms, and conditions. By accessing our website or services, you agree to the terms outlined in this Disclaimer.
Nature of Website Content
The content on our website is provided for general informational purposes only. It includes details about our loan products (Advance Salary Loan, Personal Loan, Medical Loan, Travel Loan, Emergency Loan), eligibility criteria (e.g., minimum salary ₹40,000), and terms (e.g., loan amount ₹5,000–₹1,00,000, tenure up to 90 days). While we strive to ensure accuracy, the information is subject to change without notice and does not constitute a legally binding offer or contract unless explicitly stated in a loan agreement.
Our website is intended to help you understand our services and guide you through the application process, which may involve submitting certain documents as required (primarily PAN card, with bank statements or salary slips if requested). However, the information provided does not guarantee loan approval or specific terms, as these depend on individual eligibility and verification.
No Financial Advice
The information on this website is intended for general informational purposes only and does not constitute financial, legal, or investment advice. Always consult a qualified advisor before making any borrowing decisions.
KwikSalary does not assume responsibility for decisions made based on our website content. Our team is available to clarify loan terms but does not provide personalized financial advice.
Accuracy of Information
We make every effort to ensure the information on our website is accurate and up-to-date, including loan terms, eligibility criteria, and contact details (info@kwiksalary.com, +91-9289566951). However, errors or omissions may occur due to technical issues or changes in regulations. We are not liable for any inaccuracies or outdated information, and we reserve the right to update or correct content at any time without prior notice.
For the most accurate and binding terms, refer to the loan agreement provided during the application process. If you notice any discrepancies, please contact us immediately for clarification.
Third-Party Links and Services
Our website may include links to third-party sites, such as payment gateways, credit bureaus, or external resources. These links are provided for convenience, but KwikSalary does not endorse or control the content, services, or practices of these third parties. We are not responsible for the accuracy, security, or reliability of third-party websites or their compliance with applicable laws.
We recommend reviewing the terms and privacy policies of any third-party sites you access through our website. Your interactions with these sites are at your own risk.
Limitation of Liability
To the fullest extent permitted by law, KwikSalary, its affiliates, employees, or agents are not liable for any direct, indirect, incidental, or consequential damages arising from:
Use of or reliance on our website content or services.
Inaccuracies, errors, or omissions in the information provided.
Technical issues, such as website downtime or application errors during the 6-hour* approval process (*approval timeline depends on complete documentation, internal checks, and working hours (Mon–Sat, 10 AM to 6:30 PM).)
Third-party actions, including unauthorized access to your data via external sites or services.
Decisions made based on our website content, such as applying for a loan.
While we strive to provide a seamless experience, we cannot guarantee uninterrupted access to our website or error-free services. Our liability is limited to the extent permitted under Indian laws, including the Information Technology Act, 2000.
Loan Terms and Conditions
The information on our website about loan terms (e.g., ROI: 0.25%–1.00% per day, processing fee: 0%–10%, penal charges: 1.25x ROI) is for informational purposes only. Actual terms are determined during the loan application process and are detailed in the loan agreement. Key conditions include:
Loan approval is subject to eligibility (e.g., minimum salary ₹40,000, residency in Delhi/NCR, Mumbai, Bengaluru, Pune, or Hyderabad).
Approval within 6 hours* is subject to complete documentation and verification during business hours (Monday to Saturday, 10 AM to 6:30 PM).
No collateral is required, and early loan closure is permitted without penalty.
Repayment options include cash, bank transfer, UPI, debit card, credit card, cheque, or draft.
For binding terms, refer to the loan agreement. Contact us at info@kwiksalary.com for clarification.
Intellectual Property
All content on our website, including text, logos, images, and designs, is the intellectual property of KwikSalary or its licensors. You may not reproduce, distribute, or use this content without prior written permission, except for personal, non-commercial use (e.g., viewing loan details). Unauthorized use may violate copyright, trademark, or other applicable laws.
Compliance with RBI Guidelines
As an RBI-registered NBFC (B-14.01740), KwikSalary adheres to the Reserve Bank of India’s fair practices code, ensuring:
Transparent communication of loan terms and limitations.
Ethical and non-coercive practices in lending and recovery.
Efficient grievance redressal within 5 working days.
Compliance with KYC and consumer protection regulations.
Our website content and services are designed to align with RBI directives, providing you with trustworthy financial solutions.
Changes to This Disclaimer
We may update this Disclaimer to reflect changes in our services, RBI regulations, or legal requirements. Updates will be posted on this page, and significant changes will be communicated via email or website announcements. The revised Disclaimer takes effect immediately upon posting.
Contact Us
If you have questions about this Disclaimer or our services, please reach out:
Email: info@kwiksalary.com
Phone: +91-9289566951 (Monday to Saturday, 10 AM to 6:30 PM)
Address: C-56/32, 2nd Floor, C Block, Industrial Area, Sector 62, Noida, Uttar Pradesh 201301
We’re here to ensure your experience with KwikSalary is clear and supportive.
Grievance Redressal
If you have concerns about our website content, services, or this Disclaimer, contact our Grievance Redressal Cell. We commit to resolving issues within 5 working days. For unresolved complaints, you may escalate to the RBI’s Banking Ombudsman, as per RBI guidelines. Our ethical approach ensures your concerns are handled with care and fairness.
