Disclaimer

Effective Date: 06 September 2026 This Disclaimer applies to the website, landing pages, mobile applications, CRM, software, business tools, marketing materials and other services provided under the Paisapaid brand, operated by Fivekcr Technologies Pvt. Ltd. By accessing or using our website or services, you acknowledge and agree to the following. 1. General Business Disclaimer Paisapaid provides technology, software, business-support and financial-product distribution infrastructure to individuals and businesses operating in the loan and financial-services ecosystem. Depending on the applicable program/package, services may include: Own Brand Website Mobile Application CRM Agent Management Lead Management Loan Lead Machine Credit Report Business Tools Financial Product/Lender Ecosystem Access B2B & B2C Business Infrastructure Loan Management / Self-Funding Software Other related technology and business tools The exact features available depend on the applicable package, configuration, third-party availability and agreed scope of service. 2. Paisapaid Is Not Guaranteeing Loan Approval Availability of a loan or financial product through the Paisapaid ecosystem does not constitute an approval, sanction or guarantee. Loan and financial-product decisions may be made by the respective: Bank NBFC Lender Financial Institution Insurance Provider Financial Service Provider Other applicable third-party partner Final eligibility, approval, sanctioned amount, interest rate, tenure, documentation, credit limit and disbursement are subject to the respective provider's policies and assessment. 3. No Guaranteed Income or Commission Purchasing or using the Own Brand Loan Agency Program does not guarantee any specific: Income Commission Revenue Profit Return on investment Number of customers Number of agents Number of leads Loan approvals Loan disbursements Business growth Business performance depends on multiple factors, including the user's own efforts, experience, marketing, customer demand, lead quality, eligibility, lender policies and prevailing market conditions. 4. Testimonials & Success Stories Paisapaid may display testimonials, commission examples, approval/disbursement screenshots, partner experiences or business success stories in its advertisements, website, webinars, WhatsApp communications or other marketing materials. Such examples represent individual experiences or specific cases and should not be interpreted as a promise or guarantee that every user will achieve the same or similar results. Individual results may vary. 5. Loan Lead Machine Disclaimer Where the Loan Lead Machine is included in a package, it is intended to provide technology/tools for lead generation, lead management and related business activities. Paisapaid does not guarantee: A fixed number of leads Lead quality Customer response Conversion rate Loan approval Loan disbursement Commission from any particular lead Actual results may vary depending on campaigns, customer demand, geography, eligibility, market conditions and other factors. 6. Credit Report Business Tools Credit Report Business Tools, where provided, must be used only for lawful and authorized purposes. Users are responsible for obtaining any customer consent, authorization or documentation required under applicable law and applicable third-party service-provider requirements. Credit information must not be accessed, shared, sold, distributed or otherwise misused without proper authorization. 7. Third-Party Lenders & Service Providers Certain Paisapaid services may depend upon or integrate with independent third parties, including lenders, banks, NBFCs, financial institutions, APIs, payment gateways, communication providers and other technology/service providers. Paisapaid does not control the independent: Approval decisions Eligibility criteria Interest rates Product availability Payouts Policies Processing timelines Technical availability of such third parties. Third-party products and services may also be subject to their own terms, privacy policies and eligibility requirements. 8. Financial Product Information Information regarding loans, credit cards, insurance, bank accounts, demat accounts or other financial products displayed through Paisapaid is provided for general business/informational purposes and to facilitate access to applicable services. Actual product terms may vary and should be verified with the respective provider before proceeding. 9. Self-Funding / Loan Management Software Paisapaid may provide software tools for businesses that manage their own lending or loan-management operations, including features such as: EMI Management, Collection, NACH-related functionality, Ledger, Penalty, Agreement, Reports and other loan-management tools. Provision of such software does not itself constitute regulatory authorization to carry on lending activities. Users are solely responsible for determining and complying with any licences, registrations, permissions, regulatory requirements and applicable laws required for their own lending or financial activities. 10. Own Brand Business The Own Brand Loan Agency Program provides technology and business infrastructure that may allow users to operate under their own branding. The customer remains responsible for their own: Business operations Employees Agents Marketing Customer communication Legal compliance Financial representations Customer data Business decisions Use of Paisapaid technology does not create a guarantee of commercial success. 11. Technology & Service Availability We make reasonable efforts to maintain our digital services; however, uninterrupted availability cannot be guaranteed. Certain functionality may be affected by: Maintenance Technical problems Internet outages API downtime Third-party service interruptions Lender-system downtime Regulatory changes Events beyond our reasonable control 12. No Professional Advice Information available through our website, webinars, marketing materials or other communications should not automatically be treated as personalized legal, tax, investment, accounting or regulatory advice. Users should obtain appropriate professional advice where required for their particular circumstances. 13. Accuracy of Information Paisapaid makes reasonable efforts to keep information accurate and updated. However, financial products, lender availability, features, integrations, pricing, commissions, policies and third-party services may change from time to time. Users should verify important information before making a business or financial decision. 14. Limitation of Liability To the extent permitted by applicable law, Fivekcr Technologies Pvt. Ltd. / Paisapaid shall not be liable for indirect, incidental or consequential losses arising from matters such as: Loan rejection Customer ineligibility Third-party decisions Expected commission not being earned Business losses Customer defaults Third-party system failures Misuse of the platform by a customer or their agents Nothing in this Disclaimer is intended to limit any right or liability that cannot lawfully be limited or excluded. 15. Contact Information For questions regarding this Disclaimer, please contact: Fivekcr Technologies Pvt. Ltd. Brand Name: Paisapaid Address: 18th Milestone, 1st Floor, Sector 15, Faridabad, Haryana – 121003, India Email: Support@paisapaid.com Phone / WhatsApp: +91 9910918290