KREDI BEAST PRIVATE LIMITED

Terms and Conditions

This document is an electronic record in terms of Information Technology Act, 2000 and rules made there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.

This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and user agreement for access or usage of www.kredibeast.com Website/Application and Kredi Beast application.

Your use of a Kredi Beast Website/Application www.Kredibeast.com (hereinafter referred to as the "Website/Application") and its related sites, services and tools is governed by the terms and conditions as contained in this Agreement applicable to the Website/Application and for other Website/Applications of Kredi Beast Private Limited and our subsidiaries and international affiliates ("User Agreement"). Kredibeast.com is an internet-based portal owned and operated by Kredi Beast Private Limited; a company incorporated under Companies Act, 2013 having its registered office at P.No. – 155, LBS School, Shubhash Chouk, Ratanada, Jodhpur, Rajasthan, India – 342001.

For the purpose of this User Agreement, Registered User / Guest User and wherever the context so require '"you", "your" shall mean any natural or legal person who is accessing the Website/Application/Application, its contents and using the services offered on or through the Website/Application and has agreed to become a member of the Website/Application by providing Registration Data (as defined hereinafter) while registering on the Website/Application as Registered User / Guest User using the computer systems of the Website/Application and accepted this electronic version / electronic record of the User Agreement and has allocated himself/herself a unique identification user name ("User ID" and "Password") to become Registered User or have been identified as Guest User by providing phone number and email id. Further, reference to "we", "us", "our" and "Kredi Beast" shall mean Kredi Beast Private Limited (Kredibeast.com) and includes its associates, affiliates and subsidiary(ies).

The use of the Website/Application is offered to you conditioned on your 'Acceptance' of all the terms, conditions and notices contained in this User Agreement. Upon "Acceptance", this User Agreement shall be effective and binding upon you along with any amendments made by Website/Application at its sole discretion and posted on the Website/Application and you shall not claim invalidity of this User Agreement merely on the grounds that this MOU is being concluded electronically. For the aforesaid purposes, 'Acceptance' shall mean your affirmative action in clicking on 'check box' and on the 'continue button' as provided on the registration page or clicking on 'Invest Now/Earn with Us' button while transacting as Guest User or any act which reflects your use of the Website/Application or the services provided by the Website/Application or any such other actions that implies your acceptance You hereby further agree that this User Agreement is being concluded and executed at State of Rajasthan.

Your use of the Website/Application implies that you agree with the terms of the User Agreement. If you do not agree or are not willing to be bound by the terms and conditions of this User Agreement and Rules and Policies as displayed on the Website/Application, please do not click on the "check box " and/or on the "continue" button and/or "Subscribe Now" button and do not seek to obtain access to or otherwise use the Website/Application.

## Amendments: When you use any of the services provided by us through the Website/Application, including but not limited to Reviews etc., you will be subject to the rules, guidelines, policies, terms, and conditions applicable to such service, and they shall be deemed to be incorporated into this User Agreement and shall be considered as part and parcel of this User Agreement. We reserve the right, at our sole discretion, to change, modify, add or remove portions of the User Agreement, at any time without any prior written notice to you. It is your responsibility to review this User Agreement periodically for updates / changes. Your continued use of the Website/Application following the posting of changes will mean that you accept and agree to the revisions. As long as you comply with the provisions of this Agreement, we grant you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Website/Application.

By accepting this User Agreement, you also accept and agree to be bound by Kredi Beast's Rules and Policies as provided from time to time in the following hyperlinks:

1. Kredibeast.com Terms of Use www.Kredibeast.com/legal-terms
2. Kredibeast.com Privacy Policy www.Kredibeast.com/legal-privacy

Please note: various underlined words and phrases are hyperlinked to various rules and policies on the Website/Application. By accepting this User Agreement, you also agree with the user agreement, privacy policy and other rules and policies posted on the Website/Applications of different countries where users belong to respectively.

## Website/Application:

We govern your access and use of the Website/Application, which includes any images, text, illustrations, designs, icons, photographs, programs, music clips, downloads, systems and methods of trading, video clips, graphics, user interfaces, visual interfaces, information, data, tools, products, written materials, services and other content (together, "Content"), including but not limited to the design, structure, selection, coordination, expression and arrangement of the Content available on or through the Website/Application.

The Website/Application and the offerings therein are intended only for registered users who have completed their KYC. Opportunities offered on the Website/Application are offered after through diligence by Kredi Beast and third parties. Kredi Beast grants you a limited right to use the Website/Application. The individual user shall not use the Website/Application in any way that is fraudulent or unlawful. Your right to use the Website/Application is subject to your agreement to abide by the Terms and Conditions of Use in their entirety, as well as any other rules, procedures, policies, terms or conditions that govern all or any portion of the Website/Application. At any time and for any reason Kredi Beast may revoke your right to use all or any portion of the Website/Application. Kredi Beast reserves the right to make changes to the Website/Application and the Terms and Conditions of Use at any time without prior notice to you. For this reason, each time you use the Website/Application, you should visit and review the then-current Terms and Conditions of Use that apply to your use of the Website/Application. The Website/Application and the Content is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. As a condition of your use of the Website/Application, you agree to indemnify and hold Kredi Beast and its Associates (defined below) harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorney's fees), as incurred, arising from your use of the Website/Application or related services or from your violation of the Terms and Conditions of Use.

EACH TIME YOU USE THE WEBSITE/APPLICATION, YOUR USE INDICATES YOUR FULL ACCEPTANCE OF AND AGREEMENT TO ABIDE THESE TERMS AND CONDITIONS IN CURRENT FORM. IF YOU DO NOT ACCEPT THE TERMS AND CONDITIONS STATED HEREIN, DO NOT USE THE WEBSITE/APPLICATION. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS OF USE, YOU AGREE THAT YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE/APPLICATION. YOUR COMPLIANCE WITH THESE TERMS AND CONDITIONS OF USE IS A CONDITION TO YOUR RIGHT TO ACCESS THE WEBSITE/APPLICATION. YOUR BREACH OF ANY PROVISION OF THESE TERMS AND CONDITIONS OF USE WILL AUTOMATICALLY, WITHOUT THE REQUIREMENT OF NOTICE OR OTHER ACTION, REVOKE AND TERMINATE YOUR RIGHT TO ACCESS THE WEBSITE/APPLICATION AND YOU WILL BE FULLY LIABLE FOR CONVERSION, MISAPPROPRIATION, TRESPASS TO CHATTELS AND ALL OTHER CLAIMS AND CAUSES, REGARDLESS OF THE IDENTITY OF CLAIMANT OR INJURED PARTY, ARISING FROM OR RELATING TO YOUR CONTINUED USE OF THE WEBSITE/APPLICATION AFTER SUCH BREACH.

## Website/Application Security:

You may not violate or attempt to violate the security of the Website/Application. Tampering with any portion of the Website/Application, providing untruthful or inaccurate information, misrepresenting your identity, or conducting fraudulent activities on the Website/Application, whether or not through the use of agents, are prohibited and constitute a breach of these Terms and Conditions of Use.

You are prohibited from violating or attempting to violate the security of the Website/Application, including, without limitation, (a) accessing data not intended for you or logging onto a server or an account which you are not authorized to access; (b) disabling, removing, defeating, or avoiding any security device or system, including, without limitation, any password and login functionality used to authenticate users; (c) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; (d) attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to the Website/Application, overloading, "flooding," "spamming," "mailbombing" or "crashing;" (e) sending unsolicited email, including promotions and/or advertising of products or services; (f) forging any TCP/IP packet header or any part of the header information in any email or posting; (g) using or attempting to use any engine, software, tool, agent or other device or mechanism (including, without limitation, browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Website/Application other than the search engine and search agents available on the Website/Application and other than generally available third party web browsers; (h) reverse engineering, decompiling or disassembling the underlying software; (i) removing any notices, warnings, labels, annotations or instructions from any portion of the Website/Application or any related material, including, without limitation, any patent, trademark, copyright, or other proprietary notices or license provisions; or (j) otherwise invading the privacy of, obtaining the identity of, or obtaining any personal information about any user of the Website/Application.

Any violations of system or network security including attempts to intentionally access a computer without authorization or exceed your authorized access level may result in civil and criminal charges, including but not limited to charges under applicable laws. Kredi Beast may investigate occurrences that might involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations. We may, without prior notice or warning of any kind, restrict or terminate the access of any and all users to the Website/Application if we reasonably conclude that such restriction or termination is necessary to prevent, or prevent the further spread, of a virus, security breach or system malfunction.

When accessing the Website/Application, users should be aware that the internet is generally not regarded as a secure environment, and that data sent via the internet can be accessed by unauthorized third parties, potentially leading to disclosures, changes in content or technical failures. Data sent via the internet may be transmitted across international borders even though both sender and receiver are located in the same country. Kredi Beast does not accept any responsibility or liability for the security of data while in transit via the internet.

The Website/Application may contain certain links. Activating links on the Website/Application may cause individual users to leave the Website/Application. Such links are provided solely for individual users' convenience and information. Kredi Beast has not reviewed any of the Website/Applications linked with or connected to the Website/Application and using links on or to the Website/Application is at each individual user's own risk.

## Ownership of Materials on Website/Application:

You may download or copy Content only to the extent such download is expressly permitted in writing on the Website/Application. No right, title or interest in any downloaded materials or software is transferred to you as a result of any such downloading or copying. You may not reproduce (except as noted above), publish, transmit, distribute, display, modify, create derivative works from, sell or participate in any sale of or exploit in any way, in whole or in part, any of the Content, the Website/Application or any related software.

"Kredi Beast" is the trade name for Kredi Beast. Nothing on the Website/Application shall be interpreted as granting any license or right to use any image, trademark, trade dress, logo or service mark on the Website/Application. Anything transmitted to the Website/Application by you becomes Kredi Beast's property and may be used by us for any lawful purpose. Kredi Beast reserves all rights with respect to copyright and trademark ownership of all material on the Website/Application, and will enforce such rights to the full extent of the law.

Unless otherwise noted, all Contents are copyrights, trademarks, trade dress and/or other intellectual property owned, controlled or licensed by Kredi Beast or by third parties who have licensed their materials to Kredi Beast and are protected by Indian and international copyright laws. The compilation of all Contents on the Website/Application is the exclusive property of Kredi Beast and is also protected by Indian and international copyright laws. The Website/Application, including all Information, is owned by or licensed to Kredi Beast and is subject to and protected by various intellectual property rights, including but not limited to copyright, trade secrets, trademarks, service marks, brand names and other proprietary rights whether under contract, statute or any similar provisions ("IP Rights"). All IP Rights are and shall remain the exclusive property of Kredi Beast, its respective third-party licensors or third parties to whom it is attributed and in using the Website/Application individual users shall not obtain any rights, title or other interest in or to any information on the Website/Application or related IP Rights. Subject to the above, individual users are entitled to view the Information on the Website/Application and to copy and print such information for personal use. Individual users are not permitted to sell or distribute or otherwise deal with the Information on the Website/Application or any deviations of such information without the prior written consent of Kredi Beast.

The Website/Application uses different web analytics service and is compliant with their terms and conditions.

## Indemnity:

You agree to indemnify and hold harmless Kredi Beast and (as applicable) its subsidiaries, affiliates, third-parties and their respective shareholders, officers, directors, agents, and employees, from any losses, liabilities, damages, costs and expenses, claims or demand, or actions including reasonable attorneys' fees asserted against or incurred by Kredi Beast, made by any third party arising out of your breach or non-performance of terms of the User Agreement, Kredi Beast rules and policies, or the documents they incorporate by reference, or your violation of any law, rules or regulations or the rights of a third party.

No Offers or Reliance:

The Information has been prepared solely for purposes of information. The Information is in summary form for convenience of presentation and under no circumstances should the Information be used or considered as an offer to sell or the invitation or solicitation of an offer to buy any product or service offered by Kredi Beast. No such offer or invitation or solicitation will be made prior to the delivery of definitive documentation relating to the specific securities being offered. Before making a subscription/membership decision with respect to any subscription/membership, potential subscriber/member are advised to carefully read the related final documentation and offering memorandum documents (the "Documents"). Further, Kredi Beast does not give or offer any business advice, subscription/membership advice, tax or legal advice to anyone using this Website/Application, accordingly, potential subscriber/member are advised to consult with their tax, legal and financial advisors with respect to any subscription/membership.

Past performance / Forward-looking statements:

Nothing herein shall be relied upon as a promise or representation as to past or future performance. The Website/Application may contain forward-looking statements. In some cases, you can identify forward-looking statements by terminology such as "may," "will," "should," "expects," "plans," "anticipates," "believes," "targeted," "projected," "underwritten," "estimates," "predicts," "potential," or "continue" or the negative of these terms or other comparable terminology. These forward-looking statements include, but are not limited to, statements concerning the company, property, risk factors, plans and projections. Forward-looking statements are subject to various risks and uncertainties. Accordingly, there are or will be important factors that could cause actual outcomes or results to differ materially from those indicated in these statements. Kredi Beast undertakes no obligation to update or review any forward-looking statement, whether as a result of new information, future developments or otherwise. None of Kredi Beast, the issuer nor any other person or entity assumes responsibility for the accuracy and completeness of forward-looking statements. Subscriber/member should conduct their own due diligence and not rely on the financial assumptions or estimates that are displayed on the Website/Application. Subscription/memberships displayed on the Website/Application are not bank deposits, are not insured and are not guaranteed by Kredi Beast, and may lose value. Subscription/membership opportunities posted on this Website/Application are "private placements" of securities that are not publicly traded, are subject to holding period requirements, and are intended for subscriber/member who do not need a liquid subscription/membership.

No Warranty; Limitation on Liability:

BY USING THE WEBSITE/APPLICATION, YOU EXPRESSLY AGREE THAT SUCH USE IS AT YOUR SOLE RISK. THE WEBSITE/APPLICATION AND RELATED SERVICES ARE PROVIDED ON AN "AS IS", "AS AVAILABLE" AND "WITH ALL FAULTS" BASIS. NEITHER KREDI BEAST NOR ANY OF ITS RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, THIRD-PARTY CONTENT PROVIDERS, DESIGNERS, CONTRACTORS, DISTRIBUTORS, MERCHANTS, SPONSORS, LICENSORS OR THE LIKE (COLLECTIVELY, "ASSOCIATES") WARRANT THAT USE OF THE WEBSITE/APPLICATION OR RELATED SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. NEITHER KREDI BEAST NOR ITS ASSOCIATES WARRANT THE ACCURACY, INTEGRITY, COMPLETENESS, AVAILABILITY OR TIMELINESS OF THE CONTENT PROVIDED IN THE WEBSITE/APPLICATION OR THE MATERIALS OR SERVICES OFFERED IN THE WEBSITE/APPLICATION NOW OR IN THE FUTURE. KREDI BEAST AND ITS ASSOCIATES SPECIFICALLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF THE WEBSITE/APPLICATION, INFORMATION ON THE WEBSITE/APPLICATION OR THE RESULTS OBTAINED FROM USE OF THE WEBSITE/APPLICATION OR RELATED SERVICES. KREDI BEAST AND ITS ASSOCIATES ACCEPTS NO RESPONSIBILITY FOR UPDATING ANY PARTY OF THE WEBSITE/APPLICATION OR THE CONTENT THEREIN.
UNDER NO CIRCUMSTANCES WILL KREDI BEAST OR ITS ASSOCIATES BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER INDIRECT DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES, UNAUTHORIZED ACCESS, SYSTEMS FAILURE, COMMUNICATIONS LINE FAILURE, INTERNET FAILURE OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF THE WEBSITE/APPLICATION, CONTENT, INCONVENIENCE OR DELAY. THIS IS TRUE EVEN IF KREDI BEAST HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.
Any Content downloaded or otherwise obtained through the Website/Application is done at your own discretion and risk and you are solely responsible for any damage to your computer or other electronic system or loss of data that results from the download of any such Content. The foregoing limitation of liability will apply in any action, whether in contract, tort or any other claim, even if an authorized representative of Kredi Beast has been advised of or should have knowledge of the possibility of such damages. The information and opinions are subject to change without notice and does not purport to be complete.

Third Party Content and Linked Website/Applications:

References on this Website/Application to any names, marks, products or services of third parties, or hypertext links to third party Website/Applications or information or Content provided by third parties, are provided solely as a convenience to you and do not in any way constitute or imply our endorsement, sponsorship or recommendation of the third party, its information, materials or services. We are not responsible for the practices or policies of such third parties, nor the Content of any third party sites, and do not make any representations regarding third party materials or services, or the Content or accuracy of any material on such third party sites. If you decide to link to any such third party sites, you do so entirely at your own risk.

General:

None of the provisions of the User Agreement shall be deemed to constitute a partnership or agency between you and Kredi Beast and you shall have no authority to bind Kredi Beast in any manner whatsoever.

Notices:

Except as explicitly stated otherwise, any notices shall be given by postal mail to legal@kredibeast.com at Kredi Beast Private Limited; (in the case of Kredi Beast) or to the email address you provide to us during the registration process (in your case). Notice shall be deemed given 24 hours after email is sent, unless the sending party is notified that the email address is invalid. Alternatively, we may give you notice by certified mail, postage prepaid and return receipt requested, to the address provided to us during the registration process. In such case, notice shall be deemed given 3 days after the date of mailing.

Governing Law:

The User Agreement or the documents they incorporates by reference shall be governed and construed in accordance with the laws of India. Subject to clause of Arbitration above, all disputes arising under this Agreement between you and Kredi Beast shall be subject to the exclusive jurisdiction of courts at Jodhpur, Rajasthan, India.

## Severability:

If any clause of the User Agreement shall be deemed invalid, void or for any reason unenforceable, such clause shall be deemed severable and shall not affect the validity and enforceability of the remaining clauses of the User Agreement.

## Entire Agreement:

This Agreement sets forth the entire understanding and agreement between you and Kredi Beast with respect to the subject matter hereof.

## Assignment:

You cannot assign or otherwise transfer this User Agreement, or any rights granted hereunder to any third party. Kredi Beast may transfer its rights and obligations (also known as "assign") under this Agreement without your prior express consent, provided that Kredi Beast assigns the Agreement on the same terms or terms that are no less advantageous to you.

## Grievance Officer:

In accordance with Information Technology Act, 2000 and rules made there under, the contact details of the Grievance Officer is published herewith: legal@Kredibeast.com

## Arbitration:

If any dispute arises between you and Kredi Beast during your use of the Website/Application or thereafter, in connection with the validity, interpretation, implementation or alleged breach of any provision of the User Agreement, or the documents they incorporate by reference, the dispute shall be referred to a sole Arbitrator who shall be an independent and neutral third party identified by Kredi Beast. The place of arbitration shall be Jodhpur, Rajasthan, India. The arbitration proceedings shall be in the English Language and shall be governed by Arbitration & Conciliation Act, 1996.

## Warning Regarding Web Fraud and Phishing:

An unfortunate consequence of our reputation is the misuse of our name, brands and reputation by imposters and frauds publishing fake Website/Applications and engaging in "phishing" scams seeking personal or confidential information.

## Effect on Other Agreements:

Nothing contained in these Terms and Conditions of Use is intended to modify or amend any other written agreement you may have with Kredi Beast (including without limitation any customer agreement, participation agreement, operating agreement, subscription/membership agreement or account agreement) ("Other Agreements") if any, that may currently be in effect. In the event of any inconsistency between these Terms and Conditions of Use and any Other Agreements, the Other Agreements will govern. Some pages within the Website/Application contain supplemental terms and conditions and additional disclosure and disclaimers, which are in addition to these Terms and Conditions of Use. In the event of a conflict, the supplemental terms and conditions and additional disclosures and disclaimers will govern for those sections or pages.

When communicating with Kredi Beast through digital media, please:

- Confirm you are visiting a Kredi Beast authorized web site - Do not share your password and login ID with anyone, including anyone from Kredi Beast. Kredi Beast web sites are private, available only to clients through secure log-in procedures. Apart from allowing you to use your password and log-in to enter an authorized web site, Kredi Beast will never ask you for your password or log-in information. (If you forget your password or login, we will issue you new ones.) - Do not communicate or deal with personnel who are not affiliated with an authorized office. All authorized office locations are listed on our contact page. No other office locations are authorized offices of Kredi Beast. - Do not send emails to anyone with an address other than authorized Kredi Beast e-mail addresses. Kredi Beast only uses "@Kredibeast.com" for email addresses. Kredi Beast does not permit our employees and authorized representatives to send or receive work related emails from personal accounts or any other address.