Legal

Grievance Redressal

Effective date: April 2026. Last updated: May 2026.

ADVIJJ FINTECH PRIVATE LIMITED (CIN U70200HR2026PTC145066) takes every customer concern seriously. If you have a complaint about any payd24 service, you can reach our Grievance Redressal Officer using the details below. This policy is published in line with the RBI Master Direction on Digital Lending, 2022 and the Reserve Bank — Integrated Ombudsman Scheme, 2021.

Grievance Redressal Officer

• Name: Jatin Bhagat
• Designation: Grievance Redressal Officer
• Email: grievance@payd24.com
• Phone: +91-99994-96079 (10:00 – 18:00 IST, Monday to Saturday (excluding national holidays))
• Postal: ADVIJJ FINTECH PRIVATE LIMITED, 4185, Third Floor, Ansal Versalia, Sector 67, Gurugram, Haryana 122101, India

Service-level commitment

• Acknowledgement of every complaint within 4 hours during office hours, and within the next business day otherwise.
• Resolution of routine complaints within 3 business days.
• Resolution of complex complaints within 15 business days, with periodic updates at least every 5 business days.
• Where the complaint relates to a loan, we will simultaneously inform the relevant NBFC partner's Grievance Redressal Officer.

What to include in your complaint

• Your registered mobile number and full name.
• Your order or loan reference (e.g., CA99-…, CA999-…, CS-…, L-…).
• A clear description of the issue and the outcome you expect.
• Any relevant screenshots or documents.

Escalation — Reserve Bank Integrated Ombudsman

If your complaint is not resolved to your satisfaction within 30 days, or if you receive an unsatisfactory reply, you may escalate to the RBI Ombudsman under the Integrated Ombudsman Scheme, 2021. Filings can be made online at cms.rbi.org.in or by email to CRPC@rbi.org.in. Postal escalations may be addressed to:

Centralised Receipt and Processing Centre,
Reserve Bank of India,
4th Floor, Sector 17, Chandigarh — 160 017.

Escalation — Data Protection

For data-protection concerns specifically, you may also write to our Data Protection Officer at dpo@payd24.com, and ultimately to the Data Protection Board of India under the DPDP Act, 2023.

Last updated: May 2026.