MAHIR INVESTMENT ADVISERS PRIVATE LIMITED

DISCLAIMER 1: SEBI REGISTRATION STATUS AND REGULATORY DISCLOSURE

Mahir Investment Advisers Private Limited is registered as an Investment Adviser with the Securities and Exchange Board of India (SEBI) under the SEBI (Investment Advisers) Regulations, 2013.

SEBI registration does not in any manner guarantee the quality of advice, services, or the profitability of investments. Clients are advised to verify MIA's registration at www.sebi.gov.in before engaging services.

DISCLAIMER 2: INVESTMENT RISK DISCLAIMER

Investment in securities markets is subject to inherent market risk. The value of investments and income derived therefrom can go up as well as down, and investors may not recover the full principal amount invested. The specific risk types include:

DISCLAIMER 3: NO GUARANTEE OF RETURNS

MIA does not guarantee, promise, assure, or project any specific return on investment under any circumstances. Any projections, illustrations, scenarios, or examples used in investment advice or published on the Platform are strictly for illustrative and educational purposes only. They shall not be construed as promises, forecasts, or assurances of actual future returns.

Historical performance data, if referenced, is provided for informational context only and is expressly not indicative of future performance. Projected returns may vary materially from actual returns due to market conditions, economic factors, taxation changes, fund management decisions, and other variables entirely beyond MIA's control.

DISCLAIMER 4: INDEPENDENCE AND CONFLICT-FREE ADVICE

MIA provides independent investment advice based solely on the client's risk profile, financial objectives, and investment horizon. MIA strictly does not receive and is prohibited by SEBI from receiving any commission, brokerage, referral fee, trail fee, or any other form of remuneration from product manufacturers, fund houses, brokers, or third-party product issuers in connection with advice given to clients.

MIA's sole and exclusive source of compensation is advisory fees charged directly to clients in accordance with SEBI IA Regulations. This structure eliminates product-linked conflicts of interest.

However, MIA, its directors, employees, or associates may hold personal investments in securities that may be recommended to clients. Such personal holdings, if material, are disclosed to the relevant client in writing before providing advice. MIA maintains a Conflict of Interest Register that is available for client inspection upon written request.

DISCLAIMER 5: RESEARCH, CONTENT, AND EDUCATIONAL MATERIAL DISCLAIMER

Any research reports, articles, market updates, newsletters, social media posts, blog content, webinars, or educational material published or shared by MIA through the Platform or other channels are provided strictly for general informational and educational purposes only.

Such content does not constitute personalized investment advice unless it has been specifically addressed to an individual client as part of their advisory engagement with MIA. Readers/viewers of such content are advised to:

• Conduct their own independent due diligence before making any investment decision.
• Consult their personal investment adviser (MIA's advisory team) for advice tailored to their specific financial profile.
• Not solely rely on general research or market commentary for investment decisions.

MIA makes no representation or warranty regarding the accuracy, completeness, timeliness, or fitness for purpose of any such content, which is prepared based on publicly available information.

DISCLAIMER 6: TECHNOLOGY, PLATFORM, AND CYBERSECURITY DISCLAIMER

While MIA endeavours to maintain the Platform's continuous availability, accuracy, and security, MIA cannot and does not warrant that:

• The Platform will be error-free, uninterrupted, virus-free, or completely secure at all times.
• Market data, NAV feeds, or financial information displayed on the Platform is real-time or completely accurate.
• The Platform's functionality will be compatible with all devices, operating systems, browsers, or internet connections.
• The Platform or its servers are free from malicious code, cyber-attacks, or unauthorized intrusion attempts.

MIA shall not be liable for losses arising from: system downtime, data transmission delays, cyber-attacks on third-party systems, technical failures, or internet connectivity issues beyond MIA's direct control. Clients are advised to verify all critical investment information through official SEBI, exchange, or AMC sources before acting.

DISCLAIMER 7: LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law in India, MIA's total cumulative liability for any and all claims, losses, damages, costs, and expenses arising from or related to advisory services, use of the Platform, or any breach of these Terms whether in contract, tort, negligence, strict liability, or otherwise shall be strictly limited to the aggregate advisory fees actually paid by the client to MIA in the six (6) calendar months immediately preceding the event giving rise to the claim.

In no event shall MIA, its directors, officers, employees, or agents be liable for any indirect, consequential, incidental, special, exemplary, or punitive damages, including but not limited to loss of profits, loss of data, business interruption, or reputational harm, even if MIA has been advised of the possibility of such damages.

DISCLAIMER 8: THIRD-PARTY LINKS, SERVICES, AND PLATFORMS

The MIA Platform may contain hyperlinks to third-party websites, financial aggregators, stock exchange portals, AMC websites, financial calculators, or other external services. Such links are provided for convenience and reference only. MIA does not endorse, control, verify, or take responsibility for:

• The accuracy, reliability, or completeness of content on third-party websites.
• The privacy practices or data security measures of third-party services.
• Products, services, or investments offered through third-party platforms.

Accessing third-party links is entirely at the user's own risk. MIA strongly advises clients to review the terms and privacy policies of any third-party platform before engaging with it.

DISCLAIMER 9: TAX DISCLAIMER

Investment advice provided by MIA does not constitute tax advice, tax planning guidance, or legal advice. Tax implications of investments including capital gains tax (short-term and long-term), dividend distribution tax, STT, and other applicable levies vary significantly based on individual client circumstances, holding periods, investment quantum, and applicable tax laws which are subject to change.

Clients are strongly advised to consult a qualified tax professional, Chartered Accountant, or tax adviser for all tax planning, computation, and compliance requirements. MIA shall not be responsible for any tax liability, interest, penalties, or legal consequences arising from client investment decisions.

DISCLAIMER 10: CONFLICT OF INTEREST POLICY SUMMARY

MIA maintains a Board-approved written Conflict of Interest Policy in accordance with SEBI IA Regulations, 2013. Key provisions:

• MIA and its employees may hold personal investments in securities that may be recommended to clients. Such interests are disclosed to the relevant client in writing before advice is given.
• MIA does not accept any pecuniary benefit, gift, entertainment, or non-cash consideration from product manufacturers, brokers, or distributors.
• All material conflicts of interest known or reasonably foreseeable are disclosed to clients before providing advice.
• MIA maintains a Conflict-of-Interest Register, updated periodically, which is available for client inspection upon written request.
• Employees are required to pre-clear personal securities transactions above prescribed thresholds with the Compliance Officer.

DISCLAIMER 11: SUITABILITY AND APPROPRIATENESS OF ADVICE

All investment advice provided by MIA is personalized based on the client's risk profile, financial objectives, investment horizon, and information provided during onboarding. MIA shall not be held responsible for the unsuitability or inappropriateness of advice where such unsuitability arises from:

• Incorrect, incomplete, or misleading information provided by the client during KYC, risk profiling, or thereafter.
• Material changes in the client's financial circumstances, employment, income, or risk tolerance that were not communicated to MIA.
• Investment decisions taken by the client contrary to, or independent of, MIA's written advice.
• Client's failure to read, understand, or acknowledge the written advice, risk disclosures, or suitability rationale provided by MIA.

Clients are strongly urged to provide complete and accurate information at all times and to immediately notify MIA of any material change in their financial profile.

DISCLAIMER 12: REGULATORY DISCLAIMERS

• Investments in securities are NOT deposits with any bank and are NOT insured or guaranteed by DICGC, RBI, SEBI, or any government authority.
• SEBI registration of MIA as an Investment Adviser does not constitute an endorsement of MIA's advisory approach, investment views, or guarantee of investment performance.
• Clients should independently verify MIA's current SEBI registration status at: www.sebi.gov.in (Registered Intermediaries / Investment Advisers section).
• SEBI does not approve, recommend, or endorse any particular investment adviser, financial product, or investment strategy.
• For unresolved complaints, clients may approach SEBI SCORES at scores.gov.in or SEBI ODR at smartodr.in.
• Past performance of MIA's advisory recommendations, if disclosed, does not guarantee or predict future results.