TERM & CONDITION

1. GENERAL

These terms and conditions ("Terms"), together with the Privacy Policy, form an agreement between Realrichlife Technologies Private Limited and the customer service points (CSPs), agents, merchants, or retailers of Realrichlife Technologies Private Limited (collectively referred to as "You" or "Your"). These Terms grant CSPs the right to offer services (as defined herein) to customers in India through the portal/website: www.realrichpay.com. These Terms are supplementary to any other agreements between Realrichlife Technologies Private Limited and CSPs related to the provision of services. In the event of any inconsistency between these Terms and any other agreement, these Terms will take precedence.

By accessing the Terminal, you acknowledge your intention to engage with Realrichlife Technologies Private Limited as a CSP to provide services in India. Before you can start offering services as a CSP, you must read and understand these Terms. If you agree to these Terms, you may proceed with logging in and providing services. Continuing to log in and use the Terminal implies your acceptance of these Terms. If you do not agree to these Terms, you must refrain from logging in and immediately exit the Terminal. Failure to agree to these Terms means you are not authorized to provide services or be associated with Realrichlife Technologies Private Limited as a CSP. Your use of the Terminal is voluntary and governed by applicable laws. For certain services, you will only be authorized to engage with them once your account is approved by the relevant Service Providers. The phrase "to provide the Services" or "provisioning of the Services" in these Terms refers to the onward provisioning, sale, distribution, and supply of services through the Terminal. Specific terms and conditions for particular services will apply when you opt for those services. You expressly authorize Realrichlife Technologies Private Limited to share your details, documents, and credentials with prospective customers and partners to enhance your business opportunities. All terms, conditions, and policies related to the services provided by Realrichlife Technologies Private Limited, as outlined in these Terms or any other Realrichlife Technologies Private Limited policies, are incorporated by reference into these Terms.

2. DEFINITIONS

In these Terms, capitalized terms have the meanings set out below, unless the context requires otherwise: • Applicable Law: Refers to any applicable laws, statutes, rules, regulations, directions, guidelines, ordinances, orders, policies, judgments, decrees, or other directives from Governmental, statutory, and regulatory authorities, including banks, the National Payments Corporation of India (NPCI), the Reserve Bank of India (RBI), the Unique Identification Authority of India (UIDAI), or courts of law. • Bank: Refers to the financial institution that has appointed Realrichlife Technologies Private Limited as a business correspondent according to RBI guidelines, to provide money transfer services among other functions. • Customers: Refers to the end users who approach CSPs to avail themselves of the Services. • CSP Location: Refers to the shop or office premises owned or rented by the CSP, used for providing Services to Customers. • Privacy Policy: Refers to the separately provided policy on the Terminal regarding the handling of personal information. • Services: Refers to the services offered under the brand " Realrichlife Technologies," available to the CSP for provisioning, sale, distribution, and supply through the Terminal, including: 1. Aadhaar Enabled Payment System Services (AEPS) • Service Provider: Refers to entities involved in providing the Services for which Realrichlife Technologies has or may have agreements authorizing Realrichlife Technologies to facilitate the onward provisioning, sale, distribution, and supply of such Services through CSPs. • Software Program: Refers to various software applications provided by Realrichlife Technologies that can be installed on Terminal equipment or computers to enable the electronic delivery of Services. • Transactions: Refers to the electronic transactions conducted by you related to the onward provisioning, sale, distribution, and supply of Services to Customers through the Terminal.

3. YOUR OBLIGATIONS

a. General Obligations i) You must consistently follow all instructions, directions, guidelines, and policies issued by Realrichlife Technologies Private Limited concerning your responsibilities as a CSP under these Terms. You are also required to comply with all relevant laws, maintaining and preserving records, registers, books, papers, and information. These documents must be available for inspection and audit, and you must provide extracts when requested by Realrichlife Technologies Private Limited, RBI, Banks, the National Payments Corporation of India (NPCI), Service Providers, or other authorized statutory authorities. This includes adhering to guidelines and standards under the Bharat Bill Payment System as issued by NPCI and RBI, as well as complying with KYC, Anti-Money Laundering, and Financial Terrorism regulations and circulars mandated by RBI, NPCI, and other relevant authorities. Furthermore, you must respond to requests and directions from Banks and Service Providers related to your role with Realrichlife Technologies Private Limited. You are also required to submit periodic reports, returns, statements, certificates, and any other documents as requested by Realrichlife Technologies Private Limited, RBI, Banks, NPCI, Service Providers, or other competent statutory authorities, in accordance with Applicable Laws. ii) You agree and provide explicit consent for Realrichlife Technologies Private Limited to send you both transactional and promotional messages about its products and services through various channels, including SMS, email, outbound calls (whether human or pre-recorded), GCM, WhatsApp, and others. By doing so, you acknowledge and agree not to file any complaints or disputes with any authority or forum regarding these unsolicited commercial communications from Realrichlife Technologies Private Limited. iii) You agree to cooperate in good faith to address and correct any deficiencies identified during audits and inspections. This should be done within a reasonable time frame following receipt of the audit report from Realrichlife Technologies Private Limited, RBI, Banks, NPCI, or other relevant parties. iv) You shall provide comprehensive support and facilitation to Realrichlife Technologies Private Limited in carrying out the scope of work outlined in these Terms. v) You are responsible for handling, addressing, and resolving all queries, clarifications, inquiries, disputes, and complaints from Customers regarding the Services offered. You must resolve any complaints or disputes from Customers and third parties related to your actions. You acknowledge that Realrichlife Technologies Private Limited will not be liable for any complaints, disputes, or issues that arise between you and Customers or third parties. vi) You must not accept any gifts, commissions, or other forms of gratification, whether in cash or kind, from any individual, party, firm, or company involved with Realrichlife Technologies Private Limited. If you are offered such items, you are required to report the incident immediately to Realrichlife Technologies Private Limited management. vii) You will be solely responsible for paying salaries and other employee-related expenses for your personnel, including obtaining policies such as medical and life insurance. You must also comply with all Applicable Laws concerning the employment of your personnel. Realrichlife Technologies Private Limited will not have any responsibility or liability in this regard. viii) You agree to maintain the CSP Location at your own risk and expense, ensuring it is properly equipped for providing Services to Customers. You are also responsible for procuring and facilitating adequate manpower and keeping accurate and complete accounts related to the delivery of these Services. ix) You shall refrain from engaging in or promoting any unlawful, illicit, or illegal activities while providing the Services. x) You acknowledge that Realrichlife Technologies Private Limited officials have the right to visit your premises or CSP Location at any time to verify the authenticity and credibility of the information you provided during or before your enrollment as a CSP with Realrichlife Technologies Private Limited, or in connection with your performance of any obligations under these Terms. xi) You are responsible for conducting all necessary identification and verification of Customers and complying with all Know Your Customer (KYC) requirements as mandated by Applicable Law and as communicated by Realrichlife Technologies Private Limited from time to time, before initiating any Customer-requested Transactions. You must collect, securely store, and provide Realrichlife Technologies Private Limited with KYC documents (related to identity and address verification) of Customers, whether in electronic or physical form, as required by Realrichlife Technologies Private Limited. For Customer enrollment and service provision, you shall meet with Customers, gather the KYC documents specified by Realrichlife Technologies Private Limited, obtain a duly signed application form where applicable, and collect all other required details. After comparing the KYC document copies with the originals, you must record this verification by stamping "Original Seen and Verified" with your signature on the KYC documents. For the specific purpose of verifying these documents, you will be considered an authorized officer of Realrichlife Technologies Private Limited xii). You are required to fulfill your fiduciary duties in providing Services to Customers promptly and reliably. You must implement appropriate arrangements, processes, and risk control mechanisms to ensure timely and effective delivery of Services, without any defaults or delays. xiii) If there are any changes to your business details, engagement with Realrichlife Technologies Private Limited as a CSP, or contact information such as mobile number, landline number, email address, registered address, or CSP Location, you must promptly notify Realrichlife Technologies Private Limited in writing or via email, providing complete details of the changes. xiv) You must ensure that you possess all necessary licenses and have a competent staff in place to handle the Transactions effectively. xv) You agree and authorize Realrichlife Technologies Private Limited and/or the Bank to use your personal information (including sensitive personal data) and to share it with government, statutory, regulatory, law enforcement authorities, agencies, and payment networks for monitoring and reporting purposes. xvi) You shall not host, display, upload, modify, publish, transmit, update, or share any information that: • Belongs to another person and to which you do not have the right; • Is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, pedophilic, libelous, invasive of another’s privacy, hateful, or racially or ethnically objectionable, disparaging, related to or encouraging money laundering or gambling, or otherwise unlawful; • Harms minors in any way; • Infringes on any patent, trademark, copyright, or other proprietary rights, or third-party trade secrets, publicity, or privacy rights, or involves fraudulent activity or the sale of counterfeit or stolen items; • Violates any current laws; • Deceives or misleads users about the origin of the message or communicates grossly offensive or menacing content; • Impersonates another person; • Contains software viruses, computer codes, files, or programs intended to interrupt, destroy, or limit the functionality of any computer resource, or includes Trojan horses, worms, time bombs, cancelbots, Easter eggs, or other routines that may damage, interfere with, or expropriate systems, data, or personal information; • Threatens the unity, integrity, defense, security, or sovereignty of India, friendly relations with foreign states, public order, or incites or prevents the investigation of any offense, or insults any other nation; • Is false, inaccurate, or misleading.

b. Exclusivity

i. You shall not engage with, deal with, or enter into agreements with any other party or company/organization involved in providing, selling, or promoting similar services. ii. You agree to use the CSP Location exclusively for the Services provided under this agreement and confirm that it is not currently being used, nor will it be used in the future, for any similar services or product offerings from any other company.

Advertising and Representation as a CSP of REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED

i. You agree to allocate sufficient space at the CSP Location for the display, sale, branding, and marketing of the Services in accordance with Realrichlife Technologies Private Limited guidelines and any statutory regulations or mandates from RBI, NPCI, Banks, or Service Providers. ii. In all interactions with third parties, you shall refer to yourself only as a "CSP" of Realrichlife Technologies Private Limited and not use any other titles or descriptions. You are not authorized to represent Realrichlife Technologies Private Limited as a partner or employee. iii. You shall not publish articles, statements, deliver lectures, broadcast, or communicate with the press about the Services or any related matters unless you have obtained prior written permission from Realrichlife Technologies Private Limited. iv. You are not permitted to make any guarantees, warranties, or representations on behalf of Realrichlife Technologies Private Limited regarding the conditions, quality, durability, or performance of the Services beyond what is provided in writing by Realrichlife Technologies Private Limited. Avoid using advertising or promotional materials that could mislead the public or making false or misleading claims about the Services or Terminal. v. Realrichlife technologies private limited may, at its sole discretion, provide advertisement support, technical and marketing guidance, and staff training as needed. You must not use Realrichlife technologies private limited logo or mark on any materials such as slips, receipts, visiting cards, or letterheads without written consent from REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED . vi. You agree not to engage in any activities that could damage Realrichlife technologies private limited name, goodwill, or reputation. Instead, you shall work to protect and enhance Realrichlife technologies private limited name and reputation while fulfilling your obligations under these Terms. vii. You shall display the Services and any associated charges and fees as directed by Realrichlife technologies private limited or in accordance with Applicable Law. viii. If applicable, you shall prominently display any certificate of authorization or training issued by Realrichlife technologies private limited. ix. If acting as a Business Correspondent Agent, you must post signage indicating your status, display the Business Correspondent certificate (if applicable), and provide information about Realrichlife technologies private limited, the Bank’s base branch or controlling office, the banking ombudsman, and the fees for all Services charged by the Bank. x. You shall display the grievance redressal policy as communicated by Realrichlife technologies private limited at the CSP Location and send Customer registration forms and KYC documents as instructed by REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED .

Technology-Related Obligations

i. You shall integrate your hardware and software with Realrichlife technologies private limited systems as required to ensure seamless delivery of the Services. ii. You agree to maintain strict confidentiality of your login user-ID and password, and you must not disclose these credentials to any third party. You will be solely responsible for any unauthorized use or disclosure of your user-ID and password. Realrichlife technologies private limited will not be liable for any losses, claims, or liabilities resulting from such use or disclosure. iii. You will bear all costs associated with establishing and maintaining the network link between Realrichlife technologies private limited and yourself for the Services. iv. You must provide and maintain the necessary infrastructure, including system hardware, software, network equipment, scanners, and other devices required for delivering the Services at your outlet. v. You are required to promptly notify Realrichlife technologies private limited if there is any error in your connection with Realrichlife technologies private limited or if you encounter issues processing Transactions for any reason. vi. You must ensure that the integrity and security of the systems, network, connectivity, Terminal, and all related hardware, software, and equipment are not compromised. This includes ensuring that all devices are free from malware, viruses, black boxes, trojan horses, or any other malicious software. vii. You shall not sell, redistribute, reproduce, modify, decompile, disassemble, or reverse engineer any part of the Terminal. You must not use the Terminal or any associated internet-based application/platform for any purpose that violates Applicable Laws. These restrictions also apply to any internet-based application or platform you access for providing the Services. viii. You shall not allow any third party to use the Terminal or Terminal-related content for purposes other than those outlined in these Terms. The same restrictions apply to any internet-based application or platform you use for the Services. ix. Realrichlife technologies private limited , RBI, Banks, NPCI, or Service Providers may periodically review your security practices and control processes. You must disclose any security breaches immediately upon becoming aware of them. x. You acknowledge that in the event of system instability or an emergency, Realrichlife technologies private limited may temporarily suspend access to the Service and Terminal upon providing written notice to you. xi. You must have the necessary infrastructure to protect the privacy and confidentiality of sensitive Customer data (such as bank details, passwords, card details, and PINs) in compliance with industry standards like ISO/IEC 27001, PCI-DSS, and the Information Technology Act (as amended). You must ensure that no Customer data is misused.

CODE OF CONDUCT

a) CUSTOMER SERVICE i. You must prominently display customer communication information at the CSP Location, including details about Services, fees, charges, transaction limits, terms, and conditions, ensuring it is clearly visible to all approaching Customers. ii. You are required to attend to Customers with care, addressing their doubts and queries to the best of your ability. iii. Any disputes or transaction errors occurring at the counter must be resolved or reported to REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED before the Customer leaves the counter. iv. You must prominently display the Customer grievance policy and the complaint redressal mechanism at the CSP Location, including contact details and phone numbers for Customer support. v. Additionally, you should display REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED signage and provide customer care contact details, including information for nodal officials responsible for grievance redressal (such as telephone numbers, email addresses, and postal addresses), as provided by REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED . b) WORKPLACE RESPONSIBILITIES - DO'S AND DON'TS Do's 1) Uphold the personal dignity, privacy, and rights of every individual. 2) Collaborate professionally with individuals of diverse nationalities, cultures, religions, and races. 3) Ensure honesty and transparency in all aspects of providing Services. Don'ts 1) Do not discriminate, harass, or offend anyone through any means. 2) Avoid interactions with competitors that might suggest any form of improper arrangement, whether through in-person meetings, written communication, telephone calls, or emails. c) CONFLICT OF INTEREST AND OUTSIDE ACTIVITIES Conflicts of Interest - General Principle 1) Conflicts of interest arise when business practices favor the interests of one group of Customers over another or prioritize business interests over Customer needs. 2) As a Business Associate, you must be vigilant and responsible regarding any activities, interests, or relationships that could interfere with, or appear to interfere with, your ability to act in the best interests of all stakeholders. d) PRIVACY - DO'S AND DON'TS Do's i. Control access to your work areas and computers effectively. ii. Safeguard the physical security of official information. iii. Restrict access to information to those who have a legitimate business need. Don'ts i. Avoid discussing sensitive or confidential information in public spaces. ii. Do not transfer official information to personal databases or carry hard copies of such information outside the office unless for official purposes. iii. Do not share your Terminal username and password with anyone. iv. Refrain from sending sensitive financial details, such as passwords, via email. v. Do not use unverified flash drives, pen drives, or software on your computer when accessing the Realrichpay portal or conducting related business. vi. Do not open emails from unknown sources; instead, delete them immediately. e) KNOW YOUR CUSTOMER (KYC) / ANTI-MONEY LAUNDERING 1) As a Business Associate, you must adhere strictly to Realrichlife Technologies Private Limited KYC policy, which is specifically designed for the provision of Services. You are responsible for maintaining all customer documentation in good condition and secure custody according to the KYC policy and must provide this documentation to Realrichlife Technologies Private Limited promptly upon request or as directed. 2) You acknowledge that money laundering laws criminalize activities related to all forms of crime, including drug trafficking, terrorism, theft, tax evasion, fraud, handling stolen goods, counterfeiting, and blackmail. It is also illegal to engage in or facilitate transactions with individuals or entities involved in criminal activities. 3) You are expected to be familiar with Realrichlife Technologies Private Limited Anti-Money Laundering Policy and to escalate any suspicious activities or transactions related to money laundering, regardless of the amount or nature of the offense, according to the applicable procedures. Failure to report such suspicious transactions is considered an offense. 4) You must not assist anyone in laundering the proceeds of criminal activities or interfere with an investigation by alerting the person involved in a suspicious transaction. f) Important Phishing Notice • Always verify the URL address for Realrichlife Agents: www.realrichpay.com. Do not enter login or other sensitive information on any other website. • Change or reset your passwords and PINs regularly (recommended every 3 months). • Never share your ID and password with anyone. • Phishing is a fraudulent attempt to obtain personal and confidential information, often through social media sites, emails, phone calls (including IVR), or SMS. Fraudsters may pose as authoritative figures. • Be cautious of phishing attempts via shared or virus-infected systems. Ensure you are using a secure, virus-free system. • Protect against data theft from discarded materials like old hard drives, pen drives, DVDs, and CDs. • Avoid baiting tactics where you might download files or connect unverified external devices. • Be wary of offers of benefits or gifts in exchange for personal information. • REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED will never request your personal information, password, or any sensitive details through Facebook messages, emails, SMS, or phone calls. Any such requests are attempts to fraudulently access your Realrichlife Technologies Private Limited Money wallet. Do not respond to these communications and report them immediately to Realrichlifetechnology@gmail.com. • To reset your login password, use the link provided on the portal or call 8434386888. • Be cautious of websites with similar designs. Always check the URL: www.realrichpay.com before entering your username and password. • Report any phishing activity to Realrichlifetechnology@gmail.com. g) GENERAL 1. You are required to fully support and cooperate with REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED by promptly providing all information, documents, and papers related to any inquiry, investigation, or audit conducted by REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED , external agencies, or regulatory/governmental authorities concerning the provision of Services. You specifically consent to and authorize REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED to share your information, details, credentials, and documents with any relevant regulatory or governmental authorities as required. 2. Ensure that Customers visiting the CSP Location are informed and educated about the full details of the Services, including the terms and conditions, grievance redressal mechanism, forfeiture policy, and any other information as mandated by Applicable Law or REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED . 3. Always inform Customers that the Services are provided under the brand "Realrichpay," which is owned and operated by REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED . 4. You agree that all terms and conditions outlined herein are essential to these Terms and your engagement with REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED as its CSP, and you commit to adhering to them. 5. These obligations apply jointly and severally to you and your assigns. The provisions of these Terms will be binding upon all parties, including executors, trustees, curators, legatees, heirs, and other successors in title, to the extent permitted by Applicable Law. 6. You may not cede or assign any of your rights or obligations under these Terms without REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED 's prior written consent. 7. You agree to abide by all terms, conditions, and obligations stated anywhere on the Terminal, which are considered incorporated into these Terms by reference and will be binding upon you without dispute. 8. You acknowledge and agree that REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED may amend these Terms at its sole discretion, and such amendments will be binding on you from the date they are published on the Terminal. You waive any right to challenge REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED 's discretion in any forum. 9. REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED may or may not notify you of changes to these Terms. You agree to regularly review the Terms to stay updated on any changes. 5. SYSTEM REQUIREMENTS i. To access the Terminal and provide the Services, you must use an internet-compatible and internet-enabled desktop, laptop, or mobile device. ii. You are responsible for ensuring that your device meets all necessary technical specifications for accessing the Terminal and delivering the Services effectively. iii. Additionally, you must ensure that your operating system, antivirus software, and any other software used are licensed and original. 6. CHARGES AND PAYMENTS i. Unless otherwise agreed in writing, you agree to pay a non-refundable charge to REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED , as specified by REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED , for the purpose of provisioning Services through the Terminal. This charge is non-refundable under any circumstances and covers the setup and maintenance costs associated with the Services provided by REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED . ii. REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED may impose integration fees for connecting its systems with your systems to enable Service provisioning. Additionally, REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED may charge fees for software or Terminal upgrades or any other costs related to the installation or upgrade of software, Terminal, or equipment necessary for Service delivery. iii. The charges and payments for providing Services as a CSP of REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED will be as outlined in communications from REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED via email, SMS, or other means at the time of Transactions. In the absence of such communications, the charges will be as specified on the Terminal and will be subject to TDS and other applicable taxes as per the relevant laws. 7. TERMINATION, EFFECTS OF TERMINATION, AND LIQUIDATED DAMAGES, FINES, AND PENALTIES a) TERMINATION i. REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED reserves the right, at its sole discretion, to terminate your engagement as a CSP with REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED by providing you with 15 days' prior written notice, without any liability or obligation to you. Similarly, you may terminate your engagement by giving REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED 30 days' prior written notice. ii. REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED may terminate your engagement immediately upon written notice if there is: (i) any significant adverse change in the business environment, (ii) any change in Applicable Law, (iii) any directive or requirement from the Service Provider that impacts the continuation of this arrangement, or if REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED 's license, permission, or approval from any statutory, regulatory authority, Bank, or Service Provider is revoked or terminated for any reason. iii. REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED may also terminate your engagement immediately if: a) You cease or threaten to cease a substantial part of your business, b) You become insolvent, c) You make an assignment for the benefit of creditors, d) A receiver is appointed for your business, e) An order is made for the winding up or liquidation of your business (other than for amalgamation or reconstruction). iv. Additionally, REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED may either temporarily deny, limit, or suspend your access to the Terminal, impose liquidated damages (as specified below), or take other actions it deems appropriate, including termination, if any of the following events of default ("Events of Default") occur: 1. You are found to be in material violation, breach, or non-compliance with these Terms or the Privacy Policy. 2. You are involved in gross negligence, serious misconduct, or any criminal activity, including cybercrime or fraud. 3. You overcharge customers or collect fees not specified by REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED . 4. There are frequent customer complaints against you, or you are found to be misbehaving with customers. 5. Customer complaints or disputes persist despite repeated warnings from REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED . 6. REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED determines that any breach of these Terms is incurable or that your continued provision of Services poses a systemic risk. 7. You no longer meet the qualification or eligibility criteria set by REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED or any relevant authority. 8. You fail to adhere to Applicable Laws and other statutory requirements. 9. You misuse your rights to provide the Services. 10. You breach the Privacy Policy. 11. You engage in activities harmful or defamatory to REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED , its customers, suppliers, or third parties. 12. You use the Services for illegal purposes or to facilitate illegal activities. 13. You disclose confidential or proprietary information related to REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED or the Services without prior written consent from REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED . 14. REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED , in its sole discretion, deems that your continued role as a CSP is undesirable or poses a risk to REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED . b) EFFECTS OF TERMINATION Upon termination of your engagement as a CSP with REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED , whether for cause or without cause, the following effects and consequences shall apply: i. You will immediately cease to represent REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED in any dealings with third parties. ii. All rights granted to you or REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED under these Terms will be terminated. Your login credentials and access to the Terminal will be revoked, and you will no longer be able to access or use the Terminal or provide the Services. iii. You must promptly return to REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED , in good condition, all assets, inventories, materials, instruction books, manuals, technical catalogues, documents, and any other items provided to you by REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED . iv. You will not be entitled to claim any loss or compensation related to the termination of your engagement. v. The termination of your engagement with REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED will not affect any rights or obligations that either REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED or you accrued prior to the termination date or that are intended to continue in force after termination. vi. Despite the termination, REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED retains the right to use any information supplied by you or collected from you during your use of the Terminal and the provision of the Services. c) LIQUIDATED DAMAGES, FINES, AND PENALTIES 1) In the event of any Event of Default, REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED reserves the right, in addition to any other remedies available, to impose liquidated damages. Such damages will be no less than ?10,00,000 (Rupees Ten Lakhs) per instance, and you agree to pay this amount upon demand without dispute or objection. 2) Regardless of any provisions to the contrary in these Terms, you are also responsible for paying or indemnifying REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED for any fines or penalties imposed by any statutory, regulatory, or governmental authority, including RBI or courts, in connection with any acts or omissions on your part while providing the Services. REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED may, at its sole discretion, offset or adjust such fines or penalties against any payments due to you. 3) Explanation: For the purposes of this clause, "you" includes your employees, officers, agents, representatives, successors, and assigns.

. LIMITATION OF LIABILITY

Realrichlife technologies private limited , including its officers, directors, shareholders, employees, sub-contractors, vendors, suppliers, business associates, parent companies, sister companies, subsidiaries and other affiliates will not be liable to the maximum extent permitted by the applicable law, for any direct, indirect, incidental, or consequential damage, or any other damage and loss (including loss of profit, loss of data and work stoppage), costs, expenses and payments, regardless of the alleged liability or form of action, whether in contract, tort or otherwise, including negligence, intellectual property infringement, product liability and strict liability, that may result from, or in connection with the use of terminal or the inability to access the terminal and provision of the services, or from any failure, error, or downtime in the function of the services, or from any fault or error made by realrichlife technologies private limited 's staff, or from your reliance on content delivered through the services, or from the nature of content delivered through the services, or from any communication with realrichlife technologies private limited or from any denial or cancellation of request for information through the services, or from retention, deletion, disclosure or any other use or loss of content through the services, regardless of whether realrichlife technologies private limited has been advised of the possibility of such damages. In any event, your sole remedy will be limited to the corrections of such errors, as deemed fit by realrichlife technologies private limited in its sole discretion. Without prejudice to the aforesaid, it is hereby acknowledged by you that the aggregate liability of realrichlife technologies private limited , for any reasons whatsoever, will not exceed rs. 100/- (rupees one hundred only) or the total cost paid by the customer under the transaction in dispute, whichever is lower.

DISCLAIMER OF WARRANTIES

a) Except as explicitly stated in these terms, Realrichlife Technologies Private Limited disclaims all other warranties relating to the use or provision of the services, or any content or information transmitted through the services to you or the customer. The services are provided "as is" without any express or implied guarantees regarding their quality, reliability, or content. Realrichlife Technologies Private Limited makes no warranties or guarantees that the services will not cause damage to your device, system, or any other services, applications, or content on your device. You acknowledge and agree that your use of the terminal and the services is entirely at your own risk, to the maximum extent permitted by applicable law. b) Realrichlife Technologies Private Limited does not warrant that the services will be uninterrupted, timely, secure, error-free, or always available, or that the services will be immune to unauthorized access. c) Realrichlife Technologies Private Limited makes no warranties or representations regarding the suitability of the services for your needs. Realrichlife Technologies Private Limited does not warrant that the services will be free from technical errors, legal infringements, or objectionable materials. d) You agree that Realrichlife Technologies Private Limited 's role is limited to providing services and that Realrichlife Technologies Private Limited makes no warranties regarding the accuracy or veracity of the information provided in connection with the services. e) The services and content provided are not intended to form the basis of any professional advice or be used in any decision-making or transactions. Realrichlife Technologies Private Limited disclaims all liability for any claims or losses arising from: i. Any advice given ii. Any decisions made iii. Any transactions made or effected iv. Based on the services or content provided. f) Realrichlife Technologies Private Limited does not guarantee that the services or content will be free from viruses or other destructive code. It is your responsibility to implement appropriate security measures, including anti-virus software, to protect your system. g) Realrichlife Technologies Private Limited may use any information provided by you during your use of the terminal and services in accordance with the privacy policy. h) You understand and agree that the services, terminal, and any associated hardware, inventory, technical documentation, data, information, licenses, equipment, software, etc., are provided on an "as is" basis. Realrichlife Technologies Private Limited makes no warranties that these will meet your requirements or those of any third party. You further understand that the availability and quality of the services and terminal may be impacted by network issues, internet problems, server failures, scheduled maintenance, or other technical problems and that Realrichlife Technologies Private Limited shall not be liable for any damage resulting from such issues.

10. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED , including its licensors, business partners, contractors, sub-contractors, vendors, suppliers, merchants, parent companies, sister companies, subsidiaries, and other affiliates, as well as their respective officers, directors, shareholders, and employees, from and against any claims, liabilities, damages, costs, losses, demands, expenses, chargebacks, fees, and penalties. This includes reasonable attorneys' fees incurred in connection with or arising out of: • The provisioning of the Services. • Any act or omission by You that constitutes a breach of these Terms or Applicable Laws. • Any fraudulent, illegal, unlawful, or undesirable practices, negligence, or misconduct on Your part. • Any infringement of third-party intellectual property rights. • Any unauthorized use of the Services or devices provided by REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED . • Any Event of Default as described in clause 7. This indemnification obligation covers claims made by third parties related to the above matters.

11. CONFIDENTIALITY

You agree to maintain the confidentiality of all Confidential Information provided by REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED and to refrain from disclosing such information to any third party. For clarity, "Confidential Information" includes, but is not limited to: (a) Types of Information: This encompasses, without limitation, discoveries, ideas, concepts, papers, software at various development stages, designs, drawings, specifications, techniques, models, prototypes, data, source code, object code, documentation, manuals, diagrams, flow charts, schematics, research, processes, procedures, functions, "know-how," marketing techniques and materials, marketing and development plans, Customer names, and other Customer-related information including KYC details and transaction specifics, price lists, pricing policies, and financial information. (b) Third-Party Information: Any information provided to REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED by third parties under confidentiality obligations. You acknowledge and agree to handle all Confidential Information with the utmost care to prevent unauthorized disclosure.

12. AMENDMENTS TO THE TERMS

REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED reserves the right to amend and modify these Terms and the Privacy Policy, along with any related documents and policies, at any time without prior notice to you. By continuing to access the Terminal and provide the Services, you agree to be bound by the updated Terms. If you do not accept the amended Terms, you must cease using the Terminal and discontinue providing the Services. It is recommended that you periodically review these Terms, as changes may occur from time to time.

13. ENTIRE AGREEMENT

These Terms, along with the Privacy Policy and any other agreements referenced herein, constitute the entire agreement between you and REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED concerning your access to the Terminal and the provision of Services. If there are additional agreements between REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED and you as a CSP related to the Services, the terms of those agreements will apply alongside these Terms. However, in the event of any inconsistency between these Terms and any other agreements, the provisions of these Terms will take precedence.

GOVERNING LAW AND JURISDICTION

a) These Terms will be governed by the laws of India. You and REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED agree to submit to the exclusive jurisdiction of the courts in Patna. Any disputes or matters arising under these Terms or related to the Services will be referred to a sole arbitrator appointed by REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED and will be governed by the Arbitration and Conciliation Act, 1996, as amended. The arbitration will be held in Patna and conducted in English. All costs and expenses related to the arbitration will be borne solely by the party initiating the dispute. b) Except as provided in clause 14(a), the courts in Patna, will have exclusive jurisdiction to resolve all matters under the Arbitration and Conciliation Act, 1996, including, but not limited to, the provision of interim reliefs under Section 9 of the Act.

WAIVER AND SEVERABILITY OF TERMS

Any failure, delay, or neglect by REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED to enforce any provision of these Terms at any time shall not be considered a waiver of REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED ’s rights nor shall it affect the validity of these Terms, either in whole or in part. REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED ’s rights to take subsequent action shall remain unaffected. Remedies provided under these Terms are not exclusive but cumulative, meaning that they are in addition to any other remedies available by law, equity, statute, or otherwise. The selection of one or more remedies by REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED does not preclude the pursuit of other available remedies. If any provision (or part thereof) of these Terms is found to violate Applicable Law, it shall be deemed to be deleted to the extent of such violation. The remaining provisions of these Terms shall continue to be in full force and effect as if the deleted provision had never been included. REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED , at its sole discretion, may provide an acceptable alternative provision to replace the deleted provision, which shall be binding on you without contest.

SURVIVAL

You agree and acknowledge that the indemnities, confidentiality obligations, limitations of liability, disclaimers of warranties, and dispute resolution mechanisms outlined in these Terms shall continue to be in effect even after the termination or expiration of these Terms.

ASSIGNMENT

You may not assign or transfer any of your rights, benefits, or interests under these Terms without obtaining prior written consent from REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED . However, REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED reserves the right to assign these Terms to its affiliates or Bank without your consent. In such cases, the Bank may, at its sole discretion, terminate this Agreement and cease any further payments to you, if applicable.

. GRIEVANCE REDRESSAL AND GRIEVANCE OFFICER

In compliance with the Information Technology Act, 2000 and its associated rules, the Grievance Officer is as follows: Grievance Officer: • Name: Rupesh Kumar • Email Address: realrichlifetechnology@gmail.com • Contact Numbers: 8434386888 • Office Hours: 10:00 AM to 5:00 PM, Monday to Friday (excluding public holidays) If you have any complaints or grievances, you may reach out to the Grievance Officer using the contact details provided above, with a copy sent to realrichlifetechnology@gmail.com. You are also required to inform Customers about the Customer Grievance Policy, which can be accessed at www.realrichpay.com or as otherwise communicated by REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED .

COMMUNICATION WITH REALRICHLIFE TECHNOLOGIES PRIVATE LIMITED

• You shall communicate by sending a written communication through registered post or courier at H. No.6, Barikhanjarpur, Navin Ganguli Road Ward 24, Bhagalpur, Jagdishpur ,Bhagalpur-812001, Bihar