Terms & Conditions

These Terms & Conditions ("Terms") govern your access to and use of the website, digital properties and publicly available online services operated by Valuefy Technologies Private Limited ("Valuefy", "we", "our", or "us").

By accessing or using the Valuefy website, you acknowledge that you have read, understood and agreed to these Terms. If you do not agree with these Terms, please do not use the website or Services.

These Terms apply to the publicly available Valuefy website and do not replace or override any separately executed agreement between Valuefy and its customers, including a Master Services Agreement, Subscription Agreement, Order Form, Statement of Work, Data Processing Agreement or other written contract. Where such an agreement exists, its terms will govern the relevant customer relationship.

Valuefy is an India-based wealth technology company providing software and technology solutions for wealth management, portfolio management, investment management, reporting, client engagement and related financial technology requirements.

Depending on the applicable product or service, Valuefy's solutions may provide capabilities relating to:

• Portfolio management
• Portfolio analytics
• Investment management workflows
• Client engagement
• Digital onboarding
• Transaction and order management
• Reporting and analytics
• Operations and administration
• Compliance and audit support
• Financial technology integrations

Specific features, functionality and availability are subject to the applicable product and customer agreement.

By accessing or using the website, you confirm that you have the legal capacity to enter into these Terms, and that you will use the website only for lawful purposes.

If you access the website on behalf of an organisation, you represent that you are authorised to act on behalf of that organisation.

You may use the website for legitimate business, informational and communication purposes. You must not use the website to:

• Violate any applicable law or regulation
• Gain unauthorised access to systems, accounts or information
• Circumvent security or authentication controls
• Introduce malware, malicious code or harmful content
• Interfere with the operation or availability of the website
• Conduct unauthorised vulnerability assessments, penetration testing or security testing
• Scrape or systematically extract website content without permission
• Copy, reproduce or commercially exploit Valuefy content without authorisation
• Impersonate another person or organisation
• Commit fraud or facilitate unlawful activity
• Attempt to access another user's account or information
• Use the website in a manner that could damage Valuefy's systems, reputation or business

The information published on the Valuefy website is provided for general informational and business purposes.

Valuefy makes reasonable efforts to maintain accurate and current information. However, we do not guarantee that all information on the website will always be complete, accurate, current, error-free, or available at all times.

Valuefy may modify, update, suspend or discontinue website content or functionality at any time where reasonably necessary.

Valuefy is a technology and software provider. Unless expressly stated under a separately authorised and regulated service arrangement, information available on the website does not constitute:

• Investment advice
• Financial advice
• Tax advice
• Legal advice
• A recommendation to purchase or sell any security
• A guarantee of investment returns or performance
• An offer or solicitation to invest

Users should obtain appropriate professional advice before making investment, financial, legal or tax decisions.

All content and materials available on the website, unless otherwise stated, are owned by or licensed to Valuefy. This includes text, logos, trademarks, product names, graphics, designs, images, videos, software, documentation, website layouts and other proprietary materials.

Such materials are protected by applicable intellectual property laws. You may access and use website content for legitimate personal or business purposes.

You must not, without prior written permission from Valuefy:

• Reproduce substantial portions of the content
• Modify or create derivative works
• Distribute or publicly display proprietary content
• Sell or commercially exploit Valuefy materials
• Reverse engineer Valuefy software
• Remove proprietary notices or trademarks

Nothing in these Terms transfers ownership of Valuefy's intellectual property to you.

Customer data submitted to Valuefy through contracted Services remains subject to the applicable customer agreement and data processing terms.

Nothing in these Terms transfers ownership of customer data to Valuefy unless expressly agreed in writing.

Where Valuefy processes customer data on behalf of a customer, Valuefy will process such data in accordance with applicable contractual obligations, documented instructions and applicable data protection requirements.

Information exchanged under a formal customer, vendor or business relationship may be subject to confidentiality obligations under the applicable agreement.

Nothing on the publicly available website creates a confidentiality obligation regarding information submitted through ordinary website channels unless expressly agreed.

Users should not submit confidential, proprietary, financial, authentication or highly sensitive information through public website forms unless specifically requested and appropriate safeguards are provided.

Valuefy maintains administrative, technical and organisational security measures designed to protect its website, systems and information. Depending on the applicable environment, these measures may include:

• Identity and access management
• Authentication and multi-factor authentication
• Encryption
• Security monitoring
• Vulnerability management
• Logging and audit trails
• Endpoint security
• Secure software development
• Backup and recovery
• Incident response
• Business continuity and disaster recovery
• Security awareness and training

Valuefy's information-security programme is aligned with applicable ISO/IEC 27001 and SOC 2 control requirements within the relevant scope. However, no internet-based system can be guaranteed to be completely secure.

Users are responsible for maintaining the confidentiality of any credentials or authentication information under their control.

Valuefy aims to maintain reliable website availability but does not guarantee uninterrupted, timely or error-free operation. Website availability may be affected by:

• Scheduled maintenance
• System upgrades
• Infrastructure failures
• Internet connectivity issues
• Third-party service failures
• Cybersecurity incidents
• Force majeure events
• Other circumstances beyond Valuefy's reasonable control

Valuefy may temporarily restrict access where necessary for maintenance, security or operational reasons.

The website may contain links to websites, applications or services operated by third parties. Such links are provided for convenience and informational purposes.

Valuefy does not control third-party services and is not responsible for their content, availability, security, privacy practices, terms and conditions, or accuracy.

Your use of third-party services is subject to the terms and policies of those third parties.

If you submit information, feedback, enquiries, comments or other material through the website, you represent that:

• You have the right to provide such information
• The information does not knowingly violate applicable law
• The information does not infringe third-party intellectual property or privacy rights
• The information does not contain malicious code or harmful content

You should not submit confidential or sensitive information unless the relevant Valuefy process specifically requests it.

Your use of the website is also subject to Valuefy's Privacy Policy and applicable Cookie Policy.

The Privacy Policy explains how Valuefy collects, uses, shares, retains and protects personal information.

Where applicable, Valuefy processes personal information in accordance with the Digital Personal Data Protection Act, 2023 and applicable rules, along with other applicable Indian legal and regulatory requirements.

Valuefy may use cookies and similar technologies for website functionality, security, analytics, preferences and other permitted purposes.

Where required by applicable law, appropriate consent will be obtained before using non-essential cookies. Users may manage cookie preferences through the website's cookie consent mechanism or browser settings.

Valuefy maintains governance and information-security processes designed to support applicable contractual, regulatory and industry requirements. Depending on the applicable service, entity, environment and scope, these may include controls aligned with:

• ISO/IEC 27001
• SOC 2
• Digital Personal Data Protection Act, 2023
• Applicable Digital Personal Data Protection Rules
• Applicable SEBI cybersecurity and cyber-resilience requirements
• Other applicable Indian laws and regulations
• Customer-specific contractual requirements

References to any framework do not mean that every Valuefy product, service, environment or activity is subject to every requirement listed above.

To the maximum extent permitted by applicable law, the website and its publicly available content are provided on an "as is" and "as available" basis. Valuefy does not warrant that:

• The website will always be available
• The website will be error-free
• Website information will always be complete or current
• The website will meet every user's requirements
• All defects will be corrected immediately

Nothing in these Terms excludes or limits any statutory right or protection that cannot legally be excluded or limited.

To the maximum extent permitted by applicable law, Valuefy will not be liable for indirect, incidental, consequential, special or punitive damages arising from or relating to the use of the publicly available website.

Valuefy will not be responsible for losses resulting from unauthorised use of the website, user negligence, third-party websites or services, internet or telecommunications failures, or events outside Valuefy's reasonable control.

For customers using contracted Valuefy Services, liability will be governed primarily by the applicable customer agreement. Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.

To the extent permitted by applicable law, you agree to be responsible for losses, claims, damages or expenses arising from your:

• Unlawful use of the website
• Violation of these Terms
• Misuse of Valuefy Services
• Infringement of third-party rights
• Unauthorised access or activity conducted through your use of the website

This provision does not limit any rights or remedies available under applicable law.

Valuefy may restrict, suspend or terminate access to the website where reasonably necessary to:

• Protect website or system security
• Prevent misuse or abuse
• Investigate suspected unlawful activity
• Comply with legal or regulatory requirements
• Protect users or third parties
• Perform maintenance or upgrades

Termination of contracted customer Services will be governed by the applicable customer agreement.

Valuefy may modify these Terms from time to time to reflect changes in applicable law, regulatory requirements, technology, business requirements, our Services, or security requirements.

Updated Terms will be published on this website with a revised "Last Updated" date. Where required by applicable law or contractual arrangements, Valuefy may provide additional notice of material changes.

These Terms shall be governed by and interpreted in accordance with the laws of India.

Subject to applicable law and any dispute-resolution provisions contained in a separate written agreement, courts having appropriate jurisdiction in India shall have jurisdiction over disputes relating to the public website and these Terms.

If any provision of these Terms is found to be invalid, unlawful or unenforceable, the remaining provisions will continue to remain in effect to the extent permitted by applicable law.

These Terms, together with the Valuefy Privacy Policy and applicable Cookie Policy, constitute the terms governing use of the publicly available Valuefy website.

For customers using Valuefy's contracted Services, the applicable customer agreement, order form, statement of work, data processing agreement and other executed contractual documents will govern the relevant customer relationship where there is any inconsistency.

For questions regarding these Terms:

• Valuefy Technologies Private Limited
• Website: https://www.valuefy.com/
• Email: biz@valuefy.com

For privacy and data-protection matters, see the Privacy Policy. Document owner: Legal / Information Security. Review frequency: at least annually, and whenever there is a material change in applicable law, regulation, business operations, technology or Services.