Zed Leafin Private Limited shall make the Fair Practice Code readily accessible to its customers and other relevant stakeholders. A copy of the Fair Practice Code shall be made available upon request through appropriate channels, including the Company's website, branch offices, customer service channels, or any other mode as may be prescribed by the Company from time to time.

Where required, the Fair Practice Code shall also be made available in the regional language prevalent in the particular state or area in which the Company conducts its operations, so as to ensure that customers are able to understand their rights, responsibilities, and the Company's commitments towards fair and transparent lending practices.

The Company shall make reasonable efforts to ensure that the contents of the Fair Practice Code are communicated to customers in a clear, simple, and understandable manner.

Scope and Applicability

The Fair Practice Code shall apply to all products, services, processes, and activities undertaken by Zed Leafin Private Limited in connection with its lending and financial services business.

The principles contained in this Code shall be applicable across the entire customer lifecycle, including, but not limited to:

• Marketing and promotion of financial products and services;
• Customer acquisition and loan origination;
• Application and eligibility assessment;
• Loan processing and underwriting;
• Sanction and communication of loan terms;
• Execution of loan documentation;
• Disbursement of loans;
• Interest and other applicable charges;
• Loan servicing and account management;
• Repayment and collection activities;
• Customer communication and grievance redressal;
• Closure of loans and issuance of applicable closure documents; and
• Any other activity directly or indirectly related to the provision of financial services.

The Company shall endeavour to ensure that its dealings with customers are conducted in a manner that is fair, transparent, ethical, responsible, and non-discriminatory.

Responsibility for Implementation

The implementation and effective functioning of the Fair Practice Code shall be the responsibility of the entire organization. Every department, employee, officer, agent, service provider, and other personnel acting on behalf of the Company shall be expected to comply with the principles and requirements contained in this Code, to the extent applicable to their respective roles and responsibilities.

The Company shall establish appropriate internal processes and controls to ensure that the principles of the Fair Practice Code are incorporated into its day-to-day operations and customer-facing activities.

All employees and personnel shall be expected to conduct themselves with integrity, professionalism, fairness, and due regard for the interests and rights of customers.

Role of the Board of Directors and Management

The Board of Directors of Zed Leafin Private Limited shall have overall responsibility for ensuring that the Fair Practice Code is appropriately formulated, approved, implemented, and periodically reviewed.

The Management shall be responsible for translating the principles approved by the Board into effective operational policies, procedures, systems, and controls. Management shall also monitor compliance with the Fair Practice Code and take appropriate corrective measures wherever any deficiency, deviation, or non-compliance is identified.

The Company shall periodically review the Fair Practice Code to ensure that it remains aligned with applicable laws, regulatory requirements, guidelines, and the Company's business practices. Any amendments or revisions considered necessary shall be placed before the appropriate authority for approval in accordance with the Company's internal governance framework.

Commitment to Fair and Equitable Treatment

Zed Leafin Private Limited is committed to providing its financial products and services to customers in a fair, transparent, and equitable manner. The Company shall endeavour to ensure that customers are provided with relevant and material information relating to its products, services, terms, conditions, applicable charges, and other important aspects of the lending relationship.

The Company shall not adopt unfair or misleading practices in its dealings with customers and shall endeavour to ensure that customer communications are accurate, clear, and appropriately disclosed.

The Company shall also endeavour to ensure that customers are treated with dignity and respect throughout the lending relationship, including during repayment and collection activities.

Employee Awareness and Training

The Company shall take appropriate steps to ensure that its employees, officers, and relevant personnel are made aware of the Fair Practice Code and understand the standards expected from them while dealing with customers.

Where appropriate, the Company may conduct training, awareness sessions, internal communications, or other suitable initiatives to ensure effective understanding and implementation of the principles of the Fair Practice Code.

Employees shall be expected to understand their respective responsibilities and comply with the applicable provisions of this Code while performing their duties.

Monitoring and Compliance

The Company shall maintain appropriate mechanisms for monitoring compliance with the Fair Practice Code. Any instances of non-compliance, customer complaints, or identified gaps in implementation shall be reviewed by the appropriate internal authority, and suitable remedial or corrective action shall be taken wherever necessary.

The Company shall endeavour to continuously strengthen its policies, systems, and processes to promote responsible lending, customer protection, transparency, and fair treatment.

Overall Commitment

Zed Leafin Private Limited reaffirms its commitment to conducting its business in accordance with the principles of fairness, transparency, accountability, responsible lending, customer protection, and regulatory compliance.

The Fair Practice Code shall serve as a guiding framework for the Company and its personnel in ensuring that customers and other stakeholders are treated fairly and equitably at every stage of their relationship with the Company.