Company Policies & Disclosures

1. About the Company & Regulatory Disclosure

Logix Corporate Solutions Private Limited ("Logix" / "Company") is a Non-Banking Financial Company registered with the Reserve Bank of India.

Logix provides financial services including Personal Loans, Home Loans, Loan Against Property (LAP), and Business Loans (Short-term & long-term).

2. Loan Products & Disclosures

Logix offers the following loan products:

3. Fair Practices Code

Fair Practice Code Rationale

The Reserve Bank of India (RBI) has prescribed broad guidelines on fair practices that are to be framed and approved by the Board of Directors of all Non-Banking Financial Companies (NBFCs). Logix Corporate Solutions Private Limited has framed this comprehensive Fair Practice Code.

A. Objective of the Code

• To promote good, fair and trustworthy practices by setting minimum standards in dealing with the customers;
• To increase transparency to enable the customers to have a better understanding of what they can reasonably expect of the services;
• To encourage market forces, through competition, to achieve higher operating standards;
• To promote a fair and cordial relationship between the customers and the Company.

B. Key Commitments and Declarations

We shall act efficiently, fairly and diligently in our dealings with all our customers by meeting commitments, ensuring compliance with laws, and providing professional service.

We shall help the customer understand how our financial products and services work by giving verbal information in a language understood by the borrower, ensuring clear advertising, and explaining financial implications.

We shall deal quickly and proactively with things that go wrong by correcting mistakes, attending to complaints, and reversing charges applied due to our mistake.

C. Non-Discrimination Policy

Logix shall offer all financial products to eligible qualified applicants without discrimination on the basis of caste, colour, creed, race, religion, sex or handicap.

• All communications shall be in a language understood by the borrower.
• The Company will offer credit to eligible qualified applicants who express their need to borrow.
• Loan application forms will include necessary information for meaningful comparison.
• The Company shall issue an acknowledgement receipt for all loan applications. Applications shall be disposed of within 30 days of receipt of complete application.

D. Loan Appraisal and Terms/Conditions

The Company shall conduct due diligence on the creditworthiness of the borrower. The borrower would be informed in writing of the loan amount sanctioned, terms and conditions, annualized rate of interest, and method of application.

E. Disbursement of Loans

The Company shall ensure interest rates and charges are not excessive. Disbursement will be done immediately upon compliance of terms. Notice will be given for any change in terms and conditions.

F. Post Disbursal Monitoring

Decision to recall/accelerate payment shall be in consonance with Loan Documents. Securities shall be released on repayment of all dues.

G. General

The Company shall not interfere in the affairs of the borrower except as provided in Loan Documents. In recovery, the Company shall not resort to undue harassment. Delinquent customers will be called between 0700 hrs to 2100 hrs unless special circumstances require otherwise.

4. Interest Rate Policy

Interest rates are determined based on weighted average cost of funds, operational & administrative expenses, risk profile of customer, and expected return on assets. Processing fees depend on loan size and documentation.

5. Privacy Policy

Logix respects your privacy and is committed to protecting personal data collected through our website and services.

Scope

This Policy applies to personal data we collect from customers, website visitors, and users of our services.

Data Collected

Purpose of Processing

Onboarding, providing services, compliance (KYC/AML), payments, customer support, audits, legal obligations, and marketing.

Data Sharing

We may share data with regulators, service providers, auditors, and law enforcement where required.

6. Terms & Conditions

By accessing or using www.logixcorporate.com, you agree to these Terms & Conditions.

Services: Logix provides loans to different segments. Specific service terms may apply.

User Obligations: You shall provide accurate information and use the Site lawfully.

Intellectual Property: All content is the property of Logix.

7. Disclaimer

• Information on the Site is for general information only and does not constitute financial or legal advice.
• To the extent permitted by law, Logix is not liable for indirect, incidental, or consequential losses.

8. Refund Policy

Refunds are considered only for cancellations requested prior to service commencement. For completed services, refunds are generally not available unless expressly stated.