Fair practices code
Draft for compliance review. Final wording will be confirmed with our lending partner before launch.
Before you borrow
- You see a Key Fact Statement with the APR, interest, processing fee and every other charge before you sign.
- Nothing is charged that is not in the Key Fact Statement.
- If we decline, we tell you the main reasons in plain language.
After you borrow
- You can exit during the cooling-off period by repaying the principal and the interest for the days used, with no penalty.
- Your credit limit is never raised without your consent.
- We remind you before each EMI.
Recovery
- No harassment, threats or abusive language, and no calls before 8 am or after 7 pm.
- We never contact your family, friends or employer about your loan.
- Recovery agents, if any, are named to you in advance and follow the lender's code of conduct.