User Declaration

The User hereby declares/confirms that:

• I am competent to enter into a contract as per the applicable laws in India and I am also an eligible Investor as per the applicable laws and not prohibited from dealing including in capital markets, directly or indirectly, under any order / ruling / judgment etc, of any regulator, including SEBI. Further, I am not under any prohibited or banned list of any national or international organisation including United Nations.

• I hereby declare that I am not registered as INVESTMENT ADVISOR and/or RESEARCH ANALYST with SEBI.

• I have provided my correct and updated information for the KYC, Investment personality/risk profile and other information for availing the Investment Advisory services of BTSL and I have linked my Aadhaar with my PAN as well and I will immediately inform BTSL upon any change therein. Any failure to do so may adversely affect the quality of the advice or recommendations and I shall be solely responsible for the consequences of not updating the KYC information/ Investment personality/risk profile and any other required information with BTSL.

• I hereby declare that I am financially independent for all my Investments through BTSL.

• I shall retain all information confidential including the Investment advise, login credentials of the ETMONEY Platform and shall not hold BTSL responsible for any misuse arising out of mishandling of the any confidential information including login credentials by me.

• I shall not use any information obtained/received from the ETMONEY Platform for any unfair trade, substantial acquisition, takeover and any other non-complied business practices and in case of any breach, I shall be solely responsible of its consequences.

• I shall make all investments for my own and I shall not act as front or on behalf of someone else. Also, I shall make payment from my own bank account for investments including payment for Genius Membership.

• I understand that I shall utilize the investment advisory Services offered by BTSL only for my own personal use alone. I shall not attempt to make or make any commercial/ business use of the Service.

• I have the necessary experience, knowledge to understand the risks involved in the investment(s) and necessary infrastructure in place for availing online Investment advisory services. I shall refer to the risk disclosures made in the agreement that may be associated with every investment.

• I understand that investment in securities/financial products are subject to a very wide variety of risks including investment risks, operational risks and Information technology (IT) risks and is aware that the value of the investments could substantially depreciate to an unpredictable extent.

• I have read and understood the Investor personality/risk profile score, provided by BTSL on my registered email id and/or mobile number and I provide my consent on completed risk profile/investor personality. Further I confirm that I will retake the Investor personality/risk profile assessment periodically or whenever there is any change in previously provided information during Investor personality/risk profile assessment.

• I understand that I should act only on the BTSL advised portfolios/strategies and if I act on any non-advised portfolio/strategies, then I shall be solely responsible of its implications without any liability to BTSL whether directly or indirectly.

• I am well aware and understand that whatsoever not advised under the Genius Platform/Investment Advisory Division of BTSL shall be for information purposes only and I shall not construe any such communication as Investment advice.

• I hereby agree to comply with all applicable laws and statutory requirements, orders of law enforcement agencies/ regulatory authorities and agree to be bound by and to diligently follow and ensure compliance with the applicable laws.

• I hereby declare that my Aadhaar is linked with my PAN.

• I will always provide the accurate, and correct information and in case of any change of the previously provided information, I will immediately update BTSL of the same. In case of any false/wrong/misleading information provided by me, BTSL has absolute right to take any action including freeze/ suspension/termination of my account or rejection of any request.

• I have neither received nor has been induced by BanayanTree of any rebate or gifts or non-cash benefits, directly or indirectly, in availing any of its services.

• I understand and agree that the BTSL at its sole discretion may give some discount and / or offers which may be different for every user.

• I agree and understand that the BTSL at its sole discretion may give some discount on the Membership fee for a specific period as conveyed to me and the discount may not be applicable/available post expiry of that specified period for the subsequent Membership renewal.

• I further agree that I will not dispute BTSL and / or its employees over any discounts / offers / applicable terms & conditions, and in case I disagree with all/any applicable terms & Conditions of Genius Membership, I will not avail the Investment Advisory services.

• I will not hold BTSL responsible for any request related to the Implementation of investment advise in whatsoever condition and No fees have been charged from me by Banayantree for such implementation services. I further understand and confirm that I’m not availing any distribution services from BTSL.

• I hereby confirm that I will not hold BTSL/ETMONEY responsible for any act or omission resulting in wrong reverse feed or wrong advisory calculation or any loss directly or indirectly.

• I hereby agree and confirm that the execution of advice is at my own will and I will ensure all execution through my own trading and execution account only. Further, I hereby confirm that I will not hold BTSL responsible for any act or omission resulting into wrong reverse feed or wrong advisory calculation or any loss directly or indirectly.

• All payments made through the ETMONEY Platform, for investments, shall be only from my own Bank Account only and out of funds obtained from legitimate sources. In case of a joint bank account, I am one of the holders of such bank account and authorized by the other bank accountholder(s) for making such transfers.

• I understand that if any investment is attempted or made through any 3rd party bank Account then the same is liable to be rejected.

• I understand that, in addition to the Genius Terms & conditions, I shall also abide by the respective service provider’s terms and conditions for availing the implementation services.

• All my investments or acts do not contravene any Act, Rules, Regulations, Notifications or Directives of the provisions of the Income Tax Act, Anti Money Laundering Laws, Laws prohibiting Corruption, or any other applicable laws enacted by the Government of India from time to time or by any notification issued by Govt of India.

• In the event I become/am a non-resident Indian or overseas citizen(s) of India, the funds shall be remitted from abroad only through approved banking channels and only from such bank accounts which are permitted under the law.

• I understand that Banayantree may share/collect my information on need-to-know basis with/from law enforcement agencies, courts, regulators, service providers, its Group Companies, Vendors, Business Partners and other third parties, in order to (a) provide the services mentioned herein and/or (b) to ensure smooth execution of User’s Request and/or (c) to customize offers/products/services and to provide seamless experience.

• I understand and authorise Banayantree and/or its group companies or their authorised agents to contact me on my registered Email id, mobile and/or correspondence address for verifying my details, offering support and information on suitable products, assisting in closing a sale or sharing related information, promotional messages, renewal reminders, claim assistance etc.

• I hereby give consent to BanayanTree to provide electronic confirmation feeds to the respective Investment advise Implementation service provider regarding acceptance of the terms and conditions by me and/or for doing transactions through the ETMONEY Platform and/or any other confirmation/document/details as may be required by them from time to time relating to my transactions as may be required under applicable Laws.

• I hereby give consent to the respective Investment advise Implementation service provider for sharing information with Banayantree, in any manner, about my transactions, executed through the ETMONEY Platform.