TERMS OF USE (PILOT PROGRAMME VERSION)

Version 1.0 | Effective Date: 25th November 2025

Pilot Phase 1 Validity: Until January 2026 (Maximum 10 Users) Pilot Phase 2 Validity: February 2026 to May 2026 (Maximum 50 Users)

Please read this document carefully before creating an account or using the Platform. Your access is strictly conditional upon your acceptance of these Pilot Programme Terms.

Plain Language Summary: What This Document Covers

These Terms of Use govern your participation in our exclusive, time-bound Pilot Programme. Access is limited to selected entities (10 in Phase 1, 50 in Phase 2) and is not guaranteed to continue. The most important obligation for you as a User is to actively provide feedback (bugs, feature suggestions) and participate in research as required by us. Your participation and everything you learn about the Platform must remain confidential. We own the Platform and its AI Models; you own the User Data you upload. We have the right to modify the features and terminate your access or the entire Pilot Programme at any time. All legal matters will be governed by Indian law.

1. DEFINITIONS

In these Terms of Use, the following terms shall have the meanings ascribed below. Capitalized terms not defined herein shall have the meaning given to them in the Disclaimer or the Service Agreement.

2. PILOT PROGRAMME SPECIFIC TERMS

2.1. Limited Availability and Selection

2.1.1. Pilot Phases: The Pilot Programme is restricted to two phases: Phase 1 (up to 10 total Users until January 2026) and Phase 2 (up to 50 total Users from February 2026 to May 2026).

2.1.2. Invitation-Only Access: Access to the Platform during the Pilot Programme is strictly by invitation or application only and is subject to the Company’s sole selection criteria.

2.1.3. Eligibility Criteria: To be eligible for the Pilot Programme, the User must be: (a) An enterprise (SME or large) with a minimum turnover of ₹10,00,000 per annum. (b) Legally capable of entering into a binding contract under the Indian Contract Act, 1872. (c) Willing to comply with the enhanced feedback obligations outlined herein.

2.1.4. Right to Refuse/Remove: The Company reserves the absolute right to reject any application or remove any User from the Pilot Programme at any time and for any reason by providing seven (7) days’ written notice.

2.2. Pilot Duration and Termination

2.2.1. Duration: The User's access shall automatically terminate on the expiry of the Pilot Programme, unless specifically extended in writing by the Company. The final termination date for the Pilot Programme is 31 May 2026.

2.2.2. Termination Risk: The User acknowledges the high risk of service discontinuation or early termination of the entire Pilot Programme. The Company may terminate the Pilot Programme with thirty (30) days’ written notice.

2.2.3. No Continuation Guarantee: Participation in the Pilot Programme provides no guarantee of continued access to the Platform after the pilot period ends, nor does it guarantee the existence or launch of a commercial version.

2.3. Pilot Pricing and Fees

2.3.1. Special Pilot Terms: Access to the Platform during the Pilot Programme will be subject to special pricing terms as set out in the Service Agreement (Section 3) and Annexure A (Pricing Schedule).

2.3.2. No Guarantee: Any discounted or waived fees during the Pilot Programme are not indicative of, nor a guarantee of, the pricing for any future commercial version of the Platform.

2.2.3. [MANAGEMENT DECISION: Refund policy if pilot terminates early]

3. USER OBLIGATIONS AND COVENANTS

3.1. User Account and Security

3.1.1. Registration: The User must provide accurate, complete, and current information during the application and account creation process.

3.1.2. Account Security: The User is solely responsible for maintaining the confidentiality and security of their account credentials (username and password). The User must immediately notify the Company of any suspected or actual unauthorized use of their account.

3.1.3. Strong Authentication: The Company may require or offer two-factor authentication (2FA). The User is responsible for configuring and maintaining any security measures offered.

3.2. User Data Upload and Accuracy

3.2.1. Manual Uploads Only: The User agrees to only use the designated manual upload interface for submitting User Data (bank statements in PDF, Excel, or CSV formats).

3.2.2. Data Accuracy Warranty: The User represents and warrants that all User Data uploaded: (a) is accurate, complete, and authentic; (b) has not been tampered with or modified; and (c) is lawfully accessible and uploadable by the User, with the necessary internal organizational authority.

3.2.3. Legal Right to Upload: The User warrants that uploading the User Data, including transactional and financial data, does not violate the terms of service of the User's banking institution or any applicable law.

3.3. Enhanced Feedback and Participation Obligations (Pilot-Specific)

3.3.1. Active Participation: As a condition of free or discounted access, the User agrees to actively and constructively participate in the Pilot Programme, including the testing of new and experimental features.

3.3.2. Minimum Feedback Obligations: The User commits to providing timely and detailed Feedback, including: (a) Reporting all bugs, errors, and security issues promptly (within 48 hours of discovery). (b) Participating in a minimum of [Minimum feedback obligations - 3] surveys, feedback calls, or interviews per quarter. (c) Providing constructive written reviews and suggestions for feature improvement.

3.3.3. IP of Feedback: The User agrees that all Feedback provided to the Company shall be the sole and exclusive property of the Company. The User hereby irrevocably assigns to the Company all rights, title, and interest in and to the Feedback, and the Company shall be free to use such Feedback for any purpose without any obligation to compensate the User.

4. INTELLECTUAL PROPERTY AND LICENSES

4.1. Company Intellectual Property (IP)

4.1.1. Platform Ownership: The Platform, the AI Models, the underlying algorithms, software, trademarks, trade names, and all intellectual property rights related thereto are and shall remain the exclusive property of the Company.

4.1.2. Limited License: The Company grants the User a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform solely for internal cash forecasting and analytics purposes during the Pilot Programme term.

4.2. User Data Ownership

4.2.1. User Ownership: The User retains all ownership rights, title, and interest in and to the User Data.

4.2.2. License to Company: The User grants the Company a worldwide, royalty-free, non-exclusive, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, distribute, and process the User Data for the sole purpose of: (a) providing the forecasting services; and (b) specifically during the Pilot Programme, for the training, testing, and improvement of the AI Models and the Platform.

4.2.3. [MANAGEMENT DECISION: Data usage rights for model training]

4.2.4. Anonymized Data: The Company may indefinitely retain and use aggregated and anonymized User Data and operational analytics derived from the Platform for benchmarking, product development, and marketing purposes. This aggregated data will not contain any personally identifiable information of the User.

5. PROHIBITED ACTIVITIES AND CONFIDENTIALITY

5.1. Acceptable Use Policy

5.1.1. The User shall not use the Platform to upload or process fraudulent, illegal, defamatory, or malicious content.

5.1.2. Pilot-Specific Prohibitions: The User shall not, and shall not permit any third party to: (a) Reverse Engineer: Reverse assemble, reverse compile, or reverse engineer any part of the Platform or the AI Models. (b) Public Disclosure: Publicly disclose, publish, or disseminate any confidential Information, including screenshots, performance metrics, bugs, or details of the Pilot Programme, without the Company's explicit prior written consent. (c) Competitive Analysis: Use the Platform for the purpose of competitive analysis or developing a competitive product. (d) Unauthorized Access: Attempt to gain unauthorized access to the Platform, other Users' data, or the Company's systems. (e) Hacking/Scraping: Use any automated system, including "robots," "spiders," or "offline readers," to access the Platform.

5.2. Confidentiality

5.2.1. Confidentiality Obligation: The User acknowledges that the Platform, its features, and all information related to the Pilot Programme are Confidential Information of the Company. The User shall take all reasonable steps to protect the confidential Information and shall not disclose it to any third party for a period of five (5) years from the termination of the Pilot Programme.

5.2.2. Exceptions: The confidentiality obligations shall not apply to information that is lawfully known to the User prior to the Pilot Programme, becomes publicly known through no fault of the User, or is required to be disclosed by law.

6. DATA PROTECTION (DPDP ACT 2023 COMPLIANCE)

6.1. Compliance Statement (Data Fiduciary)

6.1.1. The Company, as a Data Fiduciary, commits to processing User Data in compliance with the DPDP Act, 2023, and the Information Technology Act, 2000, and rules thereunder.

6.1.2. Purpose Limitation: User Data shall be processed only for the stated purposes of cash forecasting and Pilot Programme activities (AI model training, product improvement, research).

6.1.3. Data Localization: User Data shall be stored and processed exclusively on servers located in India.

6.2. User Rights under DPDP Act

6.2.1. Right of Access and Portability: The User has the right to obtain a summary of the User Data being processed and to receive User Data in a machine-readable, commonly used format (CSV/JSON/PDF) upon request.

6.2.2. Right of Correction: The User has the right to correct inaccurate or incomplete User Data by uploading new or corrected documents.

6.2.3. Right of Erasure (Deletion): The User has the right to request the deletion of their User Data, subject to the Company's data retention policy.

6.2.4. Data Breach Notification: The Company shall notify the User of any personal data breach affecting their User Data within seventy-two (72) hours of becoming aware of the breach, where required by law.

7. GENERAL PROVISIONS

7.1. Governing Law and Jurisdiction

7.1.1. These Terms of Use shall be governed by and construed in accordance with the laws of India.

7.1.2. Any dispute shall be subject to the exclusive jurisdiction of the courts located in [Bengaluru].

7.2. Dispute Resolution (Arbitration)

7.2.1. Any dispute, controversy, or claim arising out of or relating to these Terms of Use, including their existence, validity, interpretation, performance, breach, or termination, shall be referred to and finally resolved by arbitration administered by the [Bangalore International Arbitration Centre (BIAC)] in accordance with its rules.

7.2.2. The seat and venue of the arbitration shall be [Bengaluru], India. The language of the arbitration shall be English. The arbitral tribunal shall consist of a sole arbitrator appointed in accordance with the rules.

7.3. Amendments

7.3.1. The Company reserves the right to modify these Terms of Use at any time during the Pilot Programme. The Company will provide the User with at least [7 days] prior written notice of any material changes.

7.3.2. Continued participation in the Pilot Programme after the effective date of any amendment shall constitute the User’s acceptance of the revised terms.

8. CONTACT AND GRIEVANCE REDRESSAL

8.1. Grievance Officer

8.1.1. In accordance with the IT Rules, 2011, and the DPDP Act, the User may contact the Grievance Officer for any complaints or concerns: * Name: Sharvil Sreenivas* Email: support@investreasure.co.in * Address: 71-75, Shelton Street, Covent Garden, London, WC2H 9JQ, UNITED KINGDOM

8.1.2. Grievance Resolution: The Grievance Officer will acknowledge the complaint within forty-eight (48) hours and endeavour to resolve it within thirty (30) days from the date of receipt.

ANNEXURES LIST

ANNEXURES TO PILOT PROGRAMME AGREEMENTS

These Annexures form an integral and binding part of the Service Agreement (Pilot Programme Version) and the Terms of Use (Pilot Programme Version) (collectively, the "Agreements") between the Company and the User. They detail the non-commercial financial structure, technical upload requirements, and specific data protection policies governing the Pilot Programme.

ANNEXURE A: PILOT PROGRAMME PRICING SCHEDULE

This Schedule details the cost structure for the User's access and use of the Platform during the specified Pilot Programme term, clearly defining the economic arrangement that is primarily based on the exchange of service for proprietary data and valuable Feedback.

A.1. Pilot Programme Pricing Terms and Consideration

1. No Charge & Consideration in Kind: Access to the Platform, including all core functionalities, support, and data processing capacity, is explicitly free of charge (₹0 INR) for the duration of both Pilot Phase 1 and Pilot Phase 2. The User acknowledges that the critical consideration provided for this free access is not financial, but rather:

   • The User’s commitment to provide comprehensive, timely, and constructive Feedback (including bug reports, performance data, and feature suggestions) as defined in the Terms of Use.
   • The unconditional permission granted to the Company to utilize anonymized and aggregated User Data for the specific purpose of AI Model training, algorithmic refinement, and Platform performance benchmarking throughout the Pilot Programme and indefinitely thereafter. This data usage is essential for validating and improving the core predictive accuracy of the service.

2. Third-Party Costs Exclusion: The Company bears no responsibility for any ancillary or third-party costs (e.g., local networking charges, dedicated internet bandwidth, internal hardware upgrades, or data communication costs) that the User may incur to facilitate access and use of the Platform. These expenses remain the sole liability of the User.

3. Future Commercial Terms and No Pricing Precedent: This zero-fee structure is strictly restricted to the experimental Pilot Programme. It creates no obligation, promise, or expectation regarding the future commercial pricing model, discounts, or terms for the launched version of the Platform. The Company expressly reserves the right to determine commercial fees, tiered structures, and billing cycles entirely independently upon the conclusion of the Pilot Programme. Participants in the Pilot Programme may, however, be offered preferential commercial terms as an acknowledgment of their early partnership, subject to a separate written agreement.

   ANNEXURE B: ACCEPTABLE FILE FORMATS AND SPECIFICATIONS

This Annexure rigorously defines the mandatory technical requirements for the manual uploading of User Data. Compliance with these specifications is vital for the proper function of the Platform's data extraction and AI processing modules.

B.1. Acceptable File Formats and Specifications

1. Accepted Formats Rationale: The Platform's data extraction engine is specifically tuned to ingest and categorize transactional and financial data only from the following formats, due to their widespread use and structured nature:

   • Portable Document Format (PDF): Must be machine-readable (text-selectable) to allow for optical character recognition (OCR) and high-fidelity data extraction. Scanned or image-only PDFs are permitted but may lead to significant accuracy degradation, which the Company is not liable for.

2. File Size Limitation and Consequences: Each individual file upload must not exceed 5 MB. This limit is implemented to maintain system stability, ensure equitable load distribution across the Pilot User cohort, and prevent excessive strain on the ingestion pipeline. Files exceeding 5 MB will automatically trigger an upload failure notification, requiring the User to segment or reduce the size of the original file.

3. Historical Data Volume Constraint: The Platform is computationally optimized to process and analyze historical data up to a maximum of 18 months per uploaded file. This constraint is necessary for efficient performance during the Pilot Programme and is aligned with the training parameters of the proprietary AI Models. Uploading data sets extending beyond this 18-month lookback period may result in incomplete data processing, system timeouts, or inaccurate Forecasts.

4. Data Currency Mandate: For generating the most relevant and reliable cash flow Forecasts, the Company strongly recommends that User uploads be no older than 24 hours from the current date. Data that is older severely limits the predictive utility of the AI Models.

5. Data Integrity and Rejection Policy: Uploaded files must be verifiable, complete, and free of known corruption, tampering, or malicious code. Files that are encrypted or password-protected require the User to provide the necessary access credentials. The Company reserves the right to immediately and without notice reject any file that is flagged by security protocols or deemed to compromise the integrity of the system or the quality of the AI training data.

   ANNEXURE C: DATA RETENTION SCHEDULE

This Annexure outlines the Company's policy for retaining, protecting, and deleting User Data after the termination or expiration of the User's participation in the Pilot Programme, ensuring strict compliance with the Digital Personal Data Protection (DPDP) Act, 2023.

C.1. Data Retention Policy and DPDP Compliance

1. Active Service Data Security: User Data is processed and retained throughout the Service Period, adhering to the security standards detailed in the Service Agreement (Section 5) and stored exclusively on secure servers located within the territorial borders of India, as mandated by data localization principles.

2. Post-Termination Data (90-day Cool-down): Following the termination or expiration of the Service Period, all User Data enters a 90-day Cool-down Period. This period serves two critical functions:

   • User Migration: It provides the User with sufficient time to exercise their right to access and portability (as per DPDP Act) and download a complete archive of their data before irreversible deletion.
   • Audit and Statutory Compliance: It ensures the Company maintains a temporary record for internal audit purposes and to comply with any short-term statutory retention obligations under Indian law.

3. Anonymized Data Retention: Aggregated, non-personally identifiable, de-identified transactional metrics, which have been irreversibly stripped of any direct or indirect personal data linkages, are retained indefinitely. This Anonymized Data is essential for maintaining the long-term integrity of the AI Models, refining Platform benchmarks, and contributing to overall financial sector analysis without compromising User privacy.

   C.2. User Data Export and Secure Deletion Procedures

4. Export Window and Portability: The User maintains the right to export a copy of their complete User Data (in CSV, JSON, or PDF format) at any time during the active Service Period and throughout the full 90-day Cool-down Period. This facilitates the User's right to data portability.

5. Secure Deletion Protocol: Secure deletion of all User Data (excluding anonymized data) begins immediately after the 90-day Cool-down Period expires. The process utilizes cryptographic and multi-pass overwrite techniques to ensure the data is rendered unrecoverable, fulfilling the Company's obligation as a Data Fiduciary. This deletion process will be finalized and fully completed within thirty (30) days of initiation.

6. Request for Accelerated Deletion: Consistent with the User's right of erasure under the DPDP Act, the User may submit a formal request for accelerated deletion of their data at any point. The Company will comply with such requests promptly, subject only to overriding legal or statutory retention obligations imposed by the Government of India, by contacting the designated Grievance Officer.