These Terms and Conditions constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and FinMet Technologies Private Limited (“we,” “us” or “our”), concerning your access to and use of the https://screenmate.finmettech.com/ website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the “Site”).

You agree that by accessing the Site, you have read, understood, and agree to be bound by all of these Terms and Conditions. If you do not agree with all of these Terms and Conditions, then you are expressly prohibited from using the Site and you must discontinue use immediately.

Supplemental terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms and Conditions at any time and for any reason.

We will alert you about any changes by updating the “Last updated” date of these Terms and Conditions, and you waive any right to receive specific notice of each such change.

It is your responsibility to periodically review these Terms and Conditions to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms and Conditions by your continued use of the Site after the date such revised Terms and Conditions are posted.

The information provided on the Site 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 or which would subject us to any registration requirement within such jurisdiction or country.

Accordingly, those persons who choose to access the Site from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

1. DEFINITIONS

The following definitions apply to this Agreement:

• "Affiliates" means entities controlling, controlled by or under common control with FinMet.
• "Agreement" means the terms and conditions set out in this document (“Terms and Conditions”); the applicable ordering document (together with any renewal thereof); and Special Conditions (if any) agreed between FinMet and User.
• "Charges" mean the fees payable by Client for the licensing of the Software as specified in the applicable ordering document.
• "Client" means entity specified as the client on the applicable ordering document.
• "Confidential Information" means information of the other Party that is marked as confidential or that should be reasonably understood to be confidential. Such Confidential Information may include, but is not limited to, trade secrets, know-how, inventions, techniques, processes, programs, schematics, software source documents, data, customer lists, financial information, and sales and marketing plans.
• "Control" means an entity will be deemed to Control another entity if it has the power to direct or cause the direction of the management or policies of such entity, whether through the ownership of voting securities, by contract or otherwise.
• "Documentation" means the User Guide(s) published from time to time for the relevant software.
• "Intellectual Property Rights" means patents, inventions, trademarks, domain names, rights in know-how, trade secrets, copyrights, copyrights on software, computer programs, database rights, rights related to copyrights, and any other intellectual and industrial property rights, whether registered or not.
• "Letter of Engagement" means the engagement letter or ordering document executed between FinMet and the Client.
• "Renewal Period" means each successive 12-month period following the expiry of the Initial Subscription Period.
• "Software" means the machine-readable (object code) version of the “ScreenMate” software made available by FinMet.
• "Start Date" means the later of the intended or actual access start date.
• “FinMet” or "Service Provider" means FinMet Technologies Private Limited.
• "Term" means the Initial Subscription Period plus any Renewal Periods.
• "Updates" mean any periodic Software releases, patches, fixes, or enhancements.
• "User" means personnel of Client authorised by FinMet to use the Software.
• "Version" means a major new release of the Software.

For the purpose of this Agreement, references to ‘we’, ‘us’, ‘our’, ‘FinMet’ and ‘Service Provider’ shall mean FinMet Technologies Private Limited.

2. ACCEPTANCE OF TERMS

By installing, accessing, displaying, running, or otherwise using the “ScreenMate" software, User acknowledges having received, read, understood, and agreed to be bound by this Agreement. User also agrees that this Agreement governs the access to and use of the ScreenMate software provided by FinMet Technologies Private Limited. This Agreement is independent of any advisory, consulting, or other services provided by any other FinMet group entity.

If User does not have the authority to enter into this agreement or is not willing to comply with this agreement, User shall not install, access, display, run or use the software.

3. USER REPRESENTATIONS

By using the ScreenMate Software, you represent and warrant that:

• (1) All registration information you submit will be true, accurate, current, and complete.
• (2) You will maintain the accuracy of such information.
• (3) You have the legal capacity and you agree to comply with these Terms and Conditions.
• (4) You will not access the Site through automated or non-human means.
• (5) You will not use the Site for any illegal or unauthorized purpose.
• (6) Your use of the Site will not violate any applicable law or regulation.
• (7) You shall search only the required data with the correct spelling and surnames.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof).

4. USER REGISTRATION

You may be required to register with the Site. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine that such username is inappropriate, obscene, or otherwise objectionable.

5. GRANT OF LICENSE

5.1 License:

In consideration of User’s continued compliance with the terms and conditions of this Agreement and payment of the applicable fee, this Agreement grants the User a revocable, limited, non-exclusive, non-transferable license to access and make use of the Screening Software for one (1) year or a fixed number of searches per ID, whichever is earlier, from the date this agreement takes effect to permit the User to access and use the Software solely for User’s internal business purposes, subject to the terms of this Agreement and the Documentation.

5.2 Restrictions:

• (a) User shall not:
• (i) sublicense, sell, re-license, rent, lease, transfer, assign, time-share or distribute the Software;
• (ii) modify, adapt, translate, reverse engineer, decompile, or disassemble the Software;
• (iii) circumvent any security or access control measures of the Software;
• (iv) remove or alter any proprietary notices or labels on the Software;
• (v) use the Software in violation of any Usage Restrictions and/or the license granted;
• (vi) not use the Software for any purpose other than User’s internal business purposes.
• (b)FinMet shall perform deployment and implementation services to User in order to enable User to access and use the Software, for the payment of Fees as specified in the Agreement. If the User elects to have any additional services from FinMet, fees for such additional services will be agreed by the Parties.
• The Parties agree that FinMet shall be entitled, in its sole discretion and without liability, to suspend or delay access:
• (i) to the Software / Support Services in the event of a breach or likely breach by the User or
• (ii) a breach / likely breach to the security infrastructure of the Software
• (iii) the security of User Data (in the opinion of FinMet) of any term of this Agreement / Documentation / applicable laws including any non-payment of Fees.
• FinMet may resume access once the breach is cured or FinMet may terminate this Agreement citing material breach by the User, in the event that such breach is not cured within 14 days of notice.

6. INTELLECTUAL PROPERTY RIGHTS

The System, Software, Documentation, FinMet Content, our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights accompanying materials, if any (collectively the “Materials”), embody valuable confidential and proprietary information, and constitute the intellectual property of FinMet or of third parties from whom FinMet has obtained rights to use certain portions contained therein. Users shall maintain strict confidence and shall not remove or modify or disclose the materials. This agreement transfers User no right, title or interest in, and User does not acquire any rights, express or implied in, the Materials.

Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Site, the Content and the Mark.

7. DATA PROTECTION & PRIVACY

FinMet is committed to protecting your personal data. We collect, use, store, and process personal data only as permitted under applicable Indian data protection laws (including the Information Technology Act, 2000 and the SPDI Rules).Personal data will be processed solely for providing and improving the Services, ensuring platform security, fulfilling legal obligations, and communicating with you.

We implement appropriate technical and organizational safeguards to protect data against unauthorized access, disclosure, alteration, or loss. Personal data may be shared with trusted third-party service providers (such as hosting, cloud, or payment processors) who are contractually bound to maintain adequate protections.

By using the Services, you consent to such processing, including transfer and storage of data outside your jurisdiction in compliance with applicable law. You retain the right to request access, correction, or deletion of your personal data, and to withdraw consent where legally permissible. In the event of a personal data breach affecting you, FinMet will notify you in accordance with applicable law.

8. WARRANTY DISCLAIMER

EXCEPT AS EXPRESSLY SET FORTH HEREIN AND TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SOFTWARE, DOCUMENTATION, CONFIDENTIAL INFORMATION AND ANY OTHER TECHNOLOGY OR MATERIALS PROVIDED BY FINMET TO USERS ARE PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND. EXCEPT AS OTHERWISE STATED IN THIS LICENSE AGREEMENT, FINMET MAKES NO OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING EXPRESS OR IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT.

9. INDEMNIFICATION

9.1 User shall indemnify, defend and hold FinMet harmless, to the fullest extent permitted under applicable laws, against

(i) claims brought against FinMet by any third party alleging that Client Data constitutes an infringement or misappropriation of such third party’s rights; and

(ii) any losses, liabilities, claims, damages, costs or expenses incurred or suffered by FinMet arising out of or resulting from the Client's infringement or breach of FinMet's Intellectual Property Rights.

(iii) any loss / expenses incurred by FinMet on account of (a) a breach by the client of any terms of this Agreement including any improper use of the Software; (b) breach by the User of any applicable laws; and/or (c) negligence, misconduct or fraud on the part of the User.

In the occurrence of any of the aforementioned instances resulting in a claim against FinMet, the client will be liable to pay the damages finally awarded against FinMet or any amount of settlement agreed by FinMet. The indemnification obligations of the User shall survive for a period of One (1) year from the date of expiry/termination of the Agreement.

9.2 Notwithstanding anything herein to the contrary, under no circumstances and regardless of the nature of any claim shall a Party (or such Party’s Affiliates) be liable to the other Party or the other Party’s Affiliates or any other person or entity under this Agreement for an amount of damages in excess of the Fees paid for the applicable service in the twelve (12) month period preceding the date of the incident giving rise to liability. The indemnification obligations of FinMet shall survive for a period of One (1) year from the date of expiry/termination of the Agreement.

10. LIMITATION OF LIABILITY

10.1 To the maximum extent permitted by law, FinMet shall not be liable for any indirect, incidental, consequential, special, or exemplary damages, including damages for lost profits, lost data, or business interruption, arising out of or related to your use or inability to use the software, even if FinMet has been advised of the possibility of such damages.

10.2 FinMet will not be responsible to the extent that the Software fails to perform due to one or more of the following:

(a) the malfunction of software not provided by FinMet

(b) the malfunction of hardware,

(c) User’s negligence or fault,

(d) User’s failure to follow the instructions set forth in the Documentation,

(e) material changes in the operating environment not authorized by FinMet,

(f) modifications to or changes in the Software not made/suggested by FinMet or

(g) User’s failure to implement and maintain a proper and adequate backup and recovery system for the Software and associated files. If FinMet discovers that a failure is caused by one of the above, FinMet reserves the right to charge User for its work in investigating such failure. At User’s request and at a fee to be agreed upon, FinMet will thereafter assist User in resolving such failure. It is User’s responsibility to develop and implement a proper and adequate backup and recovery system.

10.3 None of the terms of this Agreement shall operate to:

(a) exclude or restrict liability for fraud or for death or personal injury resulting from the negligence of FinMet or its Affiliates or the appointed agents or employees of FinMet or its Affiliates whilst acting in the course of their employment; or

(b) affect statutory rights where this Agreement is entered into as a consumer transaction.

10.4 Except for claims relating to non-payment of the Charges or improper use of the Software, no claim regardless of form which in any way arises out of this Agreement may be made, nor action based upon such claim brought, by either party to this Agreement more than one year after the basis for the claim becomes known to the party desiring to assert it.

11. TERM AND TERMINATION

11.1 This Agreement shall become effective on the Start Date and shall continue for a period of One (1) year unless terminated earlier in accordance with this Agreement.

11.2 Either Party shall be entitled to terminate this agreement by giving the other Party One (1) month written notice with or without assigning any reason, without prejudice and subject to the rights, claims and liabilities already in existence and created at such time of termination.

11.3 FinMet may terminate this agreement immediately in the event of any breach of or non-compliance with any covenants/undertakings of this agreement and such breach/non-compliance remaining uncured for a period of One (1) Month from communication of such breach/non-compliance.

11.4 Each of the following shall constitute a default:

(a) Client’s failure to pay any undisputed sum due hereunder;

(b) a party’s failure to perform any of its obligations hereunder; or

(c) a party making a representation or warranty that is materially false or misleading when made.

11.5 Notwithstanding anything else, (i) with respect to a default under Clause 11.4(a), upon User’s failure to cure such default within One (1) Month after written notice of default, or (ii) with respect to all other defaults, upon either party’s failure to cure such default within One (1) Month after written notice of default, either party (as applicable) may take any or all of the following actions:

(a) terminate this Agreement and/or access to any of the Services upon written notice,

(b) declare all amounts due to be immediately due and payable, and/or

(c) exercise any of its other rights or remedies hereunder and under applicable law (except to the extent expressly excluded hereunder). In addition, either party may terminate upon written notice to the other party hereto in the event that:

(i) such other party becomes insolvent, liquidated or dissolved without a successor; or

(ii) a receiver or trustee is appointed for all, or substantially all, of the property or assets of such other party in bankruptcy, receivership, trust deed, creditors arrangement, composition or comparable proceeding or such a proceeding is instituted against the other party and is not dismissed within 90 days. In the event that User elects to terminate this Agreement prior to the expiration of its then current term, and such termination is not permitted by this Agreement, then FinMet shall not be obligated to refund any portion of the fees already paid by User for the then-current term. The remedies contained in this Clause 11 are cumulative and in addition to all other rights and remedies available hereunder, by operation of law, or otherwise, except as expressly excluded hereunder. The termination of the Agreement for any reason shall not affect or impair any rights, obligations or liabilities of either party that may accrue prior to such termination or that, under the terms of the Agreement, continue after termination.

11.6 Upon termination of the Agreement for any reason:

(a) User shall immediately pay FinMet all outstanding amounts due and shall return copies of all Documentation or other Materials;

(b) all services availed by FinMet under this Agreement shall be discontinued;

(c) no Party hereto shall be relieved from any liability for a breach of this Agreement prior to such expiration or termination;

11.7 These Terms and Conditions shall remain in full force and effect while you use the Site. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS AND CONDITIONS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SITE (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS AND CONDITIONS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SITE OR DELETE [YOUR ACCOUNT AND] ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party.

In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

12. CONFIDENTIALITY

12.1 Confidential Information shall not be used or reproduced in any form except as required to accomplish the intent of this Agreement. Any reproduction of any Confidential Information of the other Party shall remain the property of the Discloser and shall contain any and all confidential or proprietary notices or legends which appear on the original. With respect to the Confidential Information of the other, each Party

(a) shall take all Reasonable Steps (defined below) to keep all Confidential Information strictly confidential; and

(b) shall not disclose any Confidential Information of the other to any person other than individuals whose access is necessary to enable it to exercise its rights and/or perform its obligations hereunder and who are under obligations of confidentiality substantially similar to those set forth herein. As used herein “Reasonable Steps” means those steps the Recipient takes to protect its own similar proprietary and confidential information, which shall not be less than a reasonable standard of care. Confidential Information of either Party disclosed prior to execution of this Agreement shall be subject to the protections afforded hereunder. If the Recipient is compelled by law or legal process to disclose Confidential Information of the Discloser, it shall provide the Discloser with prompt prior notice of such compelled disclosure (to the extent legally permitted) and reasonable assistance, at the Discloser’s expense, if the Discloser wishes to contest the disclosure.

12.2 The above restrictions on the use or disclosure of the Confidential Information shall not apply to any Confidential Information that:

(a) can be shown to have been independently developed by the Recipient without reference to the Discloser’s Confidential Information, or can be shown to have been lawfully received free of restriction from a third party having the right to furnish such Confidential Information;

(b) has become generally available to the public without breach of this Agreement by the Recipient;

(c) at the time of disclosure, can be shown to have been known to the Recipient free of restriction; or

(d) the Discloser agrees in writing is free of such restrictions.

12.3 The Receiving Party acknowledges that breach of its obligation of confidentiality may cause irreparable harm to the Disclosing Party for which the Disclosing Party may not be fully or adequately compensated by recovery of monetary damages. Accordingly, in the event of any violation, or threatened violation, by the Receiving Party of its obligations under this Section, the Disclosing Party shall be entitled to seek injunctive relief from a court of competent jurisdiction in addition to any other remedy that may be available at law or in equity, without the necessity of posting bond or proving actual damages.

13. MODIFICATIONS AND INTERRUPTIONS

We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Site. We also reserve the right to modify or discontinue all or part of the Site without notice at any time.

We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site.

We cannot guarantee the Site will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors.

We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Site at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site during any downtime or discontinuance of the Site.

Nothing in these Terms and Conditions will be construed to obligate us to maintain and support the Site or to supply any corrections, updates, or releases in connection therewith.

14. GOVERNING LAW

All/any disputes between the parties in respect of any issues under this Agreement and arising/relating to this Agreement shall be governed by and construed in accordance with the laws of India and the parties hereto irrevocably submit to the exclusive jurisdiction of the Courts in Coimbatore to try any suit, proceedings in connection therewith/in that behalf.

15. DISPUTE RESOLUTION

Except for the right of either Party to apply to a court of competent jurisdiction for an injunction or other equitable relief available under applicable law to preserve the status quo or prevent irreparable harm pending the selection and confirmation of a panel of arbitrators, any controversy, claim or dispute arising out of or relating to this Agreement, or the breach thereof, shall be settled by arbitration in Coimbatore, India, in accordance with the India Arbitration and Conciliation Act, 1996 or any statutory modification or re- enactment thereof. The award rendered by the arbitrators shall be fully binding on the Parties and may be entered in any court having jurisdiction thereof for the purpose of enforcement. Arbitration shall be conducted in English language only by a panel of three (3) members, one member selected by FinMet, one member selected by Client and the third member, who shall be chairperson, selected by agreement between the other two (2) members. The chairperson shall be a qualified legal professional, and the other arbitrators shall have a background or training in computer law, computer science, or marketing of computer industry products. The arbitrators shall have the authority to grant injunctive relief in a form substantially similar to that which would otherwise be granted by a court of law. The Parties agree that the arbitration proceedings and the outcome shall be kept strictly confidential.

16. THE DISPOSITION TOOL

The Disposition Tool (the “Tool”) is an Artificial Intelligence (AI) powered feature that provides additional insights on customers based on publicly available and third-party data sources, including integrations with OpenAI’s API. By using this feature, User acknowledges and agrees to the following:

(a) This Tool is provided solely for informational purposes and the insights generated by it are AI-assisted hence it should not be relied upon as a basis for business decisions.

(b) The Disposition Tool does not replace due diligence, Know Your Customer (KYC) processes, or compliance screenings mandated by applicable laws.

(c) FinMet makes no warranties or representations regarding the accuracy, reliability, or legality of the insights provided.

(d) User shall not use the Tool for any illegal, offensive, defamatory, harmful, unethical or abusive purposes.

(e) The Tool utilizes third-party AI services, including third-party artificial intelligence service providers, which may process data externally and may be subject to their terms and conditions and privacy policies.

(f) FinMet does not control or verify third-party data and disclaim liability for any inaccuracies, errors or biases arising out of such AI-generated outputs.

(g) The Tool is a decision-support tool, not an automated decision-making system. Users must exercise independent judgment and comply with legal, ethical, and regulatory requirements while interpreting results and making decisions based on tool’s insights.

(h) FinMet shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of the Disposition Tool.

(i) User agrees to indemnify and hold FinMet harmless from any claims resulting from reliance on AI-generated insights, improper use of the Tool, non-compliance with applicable regulations or failure to comply with data protection and privacy laws.

(j) The Tool may process personal data in accordance with FinMet’s Privacy Policy.

(k) User must ensure that their use of the Tool complies with applicable data protection and privacy laws.

(l) FinMet retains all ownership in and to the Tool, including but not limited to all algorithms or models and aggregated results of developing the Tool.

(m) Due to the nature of the AI Features, FinMet does not represent or warrant that: (i) Any AI Output or AI Features do not incorporate or reflect third-party content. (ii) Any AI Output or AI Features will not infringe third-party intellectual property rights.

(n) FinMet shall not be liable if any Output or AI Features infringe or misappropriate any third-party intellectual property rights.

(o) FinMet shall not be required to defend, hold harmless or indemnify User or any related party against any claims of intellectual property infringement or misappropriation by Outputs or AI Features of the Disposition tool, including any Third Party IP Infringement Claims.

(p) FinMet may terminate, suspend or otherwise limit User’s access to or use of the Disposition Tool if it has reason to believe that User’s use of the tool violates any of these terms set forth in this agreement.

By using the Disposition Tool, you confirm that you understand and accept these terms. If you do not agree, you should refrain from using this feature.

17. DISCLAIMER

THE SITE, SOFTWARE, PLATFORM AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.YOU AGREE THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE’S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE SITE AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SITE, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.

AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

18. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

Visiting the Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing.

YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SITE.

You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

FinMet Technologies Private Limited, a company incorporated under the Companies Act, 2013, having its office at S.F. No. 357/1B, NGR Puram, Behind ESI Compound, Irugur, Coimbatore, Tamil Nadu - 641103 (“FinMet”, “we”, “us” or “our”), is committed to protecting the privacy and security of personal data processed through ScreenMate™ (“Platform”).

This Privacy Policy explains how FinMet collects, uses, processes, stores and discloses personal data in connection with the Platform and its related services and features. This Policy shall be read together with the ScreenMate Terms and Conditions, applicable Letter of Engagement, order form and other contractual terms agreed with the Client.

1. INFORMATION WE COLLECT

Depending upon the use of the Platform, FinMet may collect or receive:

• a. Identity and Contact Information: Name, email address, mobile number, designation and other contact details.
• b. Business Information: Company/organisation name, address, GSTIN, billing details and authorised representative details.
• c. Account Information: Username, authentication information and account/access details.
• d. Screening Information: Names and identifying information submitted for screening, search inputs and results, date and time of searches, User/account details and related audit or activity logs.
• e. Transaction Information: Subscription, billing, payment status and transaction-related information. Payment details processed through third-party payment providers may be subject to their respective terms and privacy practices.
• f. Technical and Usage Information: IP address, browser/device information, access logs, usage data, diagnostics and security-related information.
• g. Communication Information: Information contained in enquiries, support requests and other communications with FinMet.

FinMet shall collect and process information only to the extent reasonably necessary for the relevant purpose.

2. SOURCE AND PURPOSE OF PROCESSING

Information may be obtained directly from Users, Clients and their authorised representatives, through use of the Platform, automatically through technical systems, from Clients submitting information for screening, from publicly available sources and, where applicable, from third-party service or technology providers.

FinMet may process such information for:

• a. providing and administering the Platform and its services;
• b. creating and managing User accounts and access;
• c. carrying out screening searches requested by authorised Users;
• d. maintaining search records, audit logs and Platform security;
• e. processing subscriptions, billing and payments;
• f. providing support and service-related communications;
• g. maintaining, securing and improving the Platform;
• h. detecting and preventing fraud, misuse or unauthorised access;
• i. providing AI-enabled or decision-support features, where applicable;
• j. complying with applicable legal, regulatory or governmental requirements; and
• k. establishing, exercising or defending FinMet’s legal rights and interests.

3. CLIENT DATA AND DISCLOSURE

The Client and/or authorised User is responsible for ensuring that personal data submitted to the Platform is collected and provided lawfully and that any required authority, notice, consent or other lawful basis has been obtained. This does not limit FinMet’s obligations in respect of processing undertaken by FinMet under applicable law.

Where FinMet processes information submitted by a Client or User, such processing shall be undertaken in accordance with the applicable contractual arrangements, this Privacy Policy and applicable law.

FinMet may disclose or provide access to personal data, where reasonably necessary, to hosting and cloud providers, technology and cybersecurity providers, payment processors, professional advisers, auditors, third-party data or service providers, AI/API providers and governmental, regulatory, judicial or law-enforcement authorities where required or permitted by law.

FinMet shall use reasonable efforts to ensure that relevant service providers are subject to appropriate confidentiality and data protection obligations.

4. SCREENING AND AUDIT LOGS

ScreenMate enables authorised Users to submit names and related information for screening against the sources and lists supported by the Platform.

FinMet may retain search inputs, results, date and time of searches, User/account details and audit logs for providing the service, security, support, monitoring and maintaining appropriate records.

Screening results depend on the information submitted, applicable screening methodology and available sources. Such results are intended to support the Client’s or User’s compliance and due-diligence processes and do not by themselves constitute a determination regarding any person or entity.

The Client and User remain responsible for appropriate verification, due diligence and independent decision-making.

5. AI-ENABLED FEATURES

Certain Platform features, including the Disposition Tool, may use artificial intelligence, publicly available information and third-party data or technology.

Information submitted by the User and relevant information obtained from applicable sources may be processed to generate such outputs. Third-party AI or API providers may process relevant information in accordance with applicable contractual and privacy terms.

AI-assisted outputs are provided for informational and decision-support purposes only and may contain errors or inaccuracies. They do not constitute legal advice, professional advice, KYC findings, compliance determinations or a substitute for human review and due diligence.

FinMet does not independently verify all information obtained from public or third-party sources.

6. SECURITY AND RETENTION

FinMet maintains reasonable technical and organisational safeguards designed to protect personal data against unauthorised access, disclosure, alteration, loss or misuse.

Personal data shall be retained only for as long as reasonably necessary for providing the Platform, complying with contractual or legal obligations, maintaining security and business records, resolving disputes and establishing or defending legal claims.

Where personal data is no longer required and no lawful basis for retention exists, FinMet shall take reasonable steps to delete, anonymise or otherwise dispose of such information in accordance with applicable law.

7. THIRD-PARTY AND CROSS-BORDER PROCESSING

The Platform may use third-party infrastructure, hosting, technology, payment, cybersecurity, analytics, AI and other service providers.

Accordingly, personal data may be processed or stored in India or outside India, subject to applicable law and appropriate safeguards.

FinMet shall not be responsible for the independent privacy practices of third parties, except to the extent required under applicable law or contractual obligations.

8. RIGHTS AND GRIEVANCES

Subject to applicable law, individuals may have rights relating to their personal data, including access, correction, updating, deletion or erasure where applicable, withdrawal of consent where processing is based on consent, and the right to raise a grievance.

Requests may be submitted to FinMet using the contact details below. FinMet may undertake reasonable verification before processing such requests.

Where personal data has been submitted by a Client or another organisation, FinMet may, where appropriate, coordinate with or refer the individual to the relevant Client.

9. COOKIES AND UPDATES

The Platform may use cookies and similar technologies for authentication, security, functionality, analytics and performance.

FinMet may amend this Privacy Policy from time to time to reflect changes in the Platform, applicable law or processing practices. The revised Policy shall be published on the Platform with the updated “Last Updated” date.

10. APPLICABLE LAW

This Privacy Policy shall be read and interpreted in accordance with the laws applicable in India, including applicable data protection and privacy laws, rules and regulations in force from time to time.

11. CONTACT

By accessing or using the Platform, you acknowledge that you have read and understood this Policy. Where consent is required under applicable law, such consent shall be obtained through the applicable mechanism provided by FinMet.