Regulatory Disclosure

1 About CreditPey

CreditPey is a product of Digner Finlease and Investment Private Limited, a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India.

• Legal name: Digner Finlease and Investment Private Limited
• Brand name: CreditPey
• RBI Registration No.: B-14.01877
• Type: Non-Banking Financial Company (NBFC) — Direct Lender
• Registered address: C-2, Fourth Floor, Near Metro Station Janakpuri West, New Krishna Park, Vikaspuri, Delhi, 110018
• Website: www.creditpey.com
• Official channels: Website only — we do not operate through any third-party app or unofficial platform

2 Loan Cost Disclosure

As required by RBI's Digital Lending Guidelines, we disclose all costs associated with our personal loan products:

• Rate of Interest (ROI): 1.25% to 2.60% per month (flat rate)
• Annual Percentage Rate (APR): 15% to 34% per annum
• Processing fee: Up to 10% of sanctioned loan amount + applicable GST — deducted from disbursed amount
• Pre-closure charges: Nil — you may repay early at no extra cost
• Cheque / ECS bounce charges: ₹1,000 per instance
• Penal interest: Applicable on overdue amounts as specified in the Loan Agreement
• No upfront fees: Zero fees collected before loan disbursal — under any circumstance

3 Fraud Warning & Safe Borrowing Guide

Fraudsters often impersonate legitimate NBFCs to steal money or personal data from loan applicants. Please follow these guidelines to protect yourself:

Always do this:

• Always apply for loans only through our official website www.creditpey.com
• Verify the company is RBI-registered before applying — check at rbi.org.in
• Always cross-check company contact numbers and email addresses against the official website
• Read the Loan Agreement and Key Fact Statement (KFS) carefully before signing
• Report suspicious activity immediately to grievance@creditpey.com or call +91 70801 80801

Never do this:

• Never pay any pre-approval fee, processing charge, insurance premium, or security deposit before receiving your loan amount — no legitimate lender asks for upfront payment
• Never share your OTP, CVV, bank password, or full Aadhaar number with anyone claiming to be a loan agent
• Never download or use any third-party app to apply for a CreditPey loan — we operate only through our official website
• Never click on suspicious links in SMS or WhatsApp messages claiming to offer CreditPey loans

4 RBI Regulatory Compliance

CreditPey operates in full compliance with all applicable RBI regulations for NBFCs, including:

• RBI Guidelines on Digital Lending (2022) — including Key Fact Statement (KFS) issuance before loan disbursal
• Fair Practices Code for NBFCs — including respectful recovery practices and borrower rights
• RBI KYC Master Directions — full KYC verification for all borrowers
• Prevention of Money Laundering Act (PMLA) — AML/KYC compliance
• Information Technology Act 2000 — data protection and privacy
• Digital Personal Data Protection Act 2023 (DPDPA) — data processing with consent
• Credit Information Companies Regulation Act — reporting to CIBIL and other bureaus

5 Advertising Disclosure

CreditPey advertises its personal loan products through Google Ads and other digital channels. The following disclosures apply to all advertising:

• All loan offers displayed in advertisements are indicative only and subject to credit assessment and approval
• APR Range: 15%–34% per annum | Loan Amount: ₹5,000–₹2,00,000 | Tenure: 3–12 months
• Actual loan terms (amount, interest rate, APR, EMI) will vary based on your individual credit profile and eligibility
• Advertisements do not guarantee loan approval — all applications are subject to KYC verification and credit assessment
• CreditPey complies with Google's Financial Products & Services advertising policies
• We do not target individuals based on financial distress, and all advertising claims are substantiated and accurate

6 Your Rights as a Borrower

As a borrower, you are protected by RBI's Fair Practices Code and applicable consumer protection laws:

• Right to Key Fact Statement (KFS): You must receive a KFS disclosing all costs before signing the Loan Agreement
• Right to cooling-off period: You may exit the loan within the cooling-off period specified in your KFS without penalty
• Right to dignified treatment: Recovery agents must treat you with respect — harassment is strictly prohibited
• Right to pre-closure: You may repay your loan early at no additional charge (Nil pre-closure charges)
• Right to NOC: Upon full repayment, you are entitled to a No Objection Certificate and loan closure confirmation
• Right to grievance redressal: Raise complaints with our Grievance Officer and escalate to the RBI Ombudsman if unresolved
• Right to data privacy: Your data is protected under DPDPA 2023 — see our Privacy Policy

7 Credit Bureau Reporting

As an RBI-registered NBFC, CreditPey is obligated to report your loan repayment behaviour to Credit Information Companies (CICs) as mandated by the Credit Information Companies Regulation Act:

• Timely repayments will positively reflect on your credit report and improve your CIBIL score
• Late payments, defaults, or missed EMIs will be reported and may negatively affect your credit score
• We report to CIBIL, Experian, CRIF High Mark, and Equifax
• If you are facing repayment difficulties, contact us proactively — we will make every effort to assist you

8 Grievance Redressal

For any complaints, concerns, or queries, please contact our Grievance Officer:

If your complaint is not resolved within 30 days, you may escalate to the RBI Ombudsman at cms.rbi.org.in.