1. GENERAL

• We are a product development company that leverages Artificial Intelligence (“AI”) to offer technology platform(s) to meet varied requirements of its customers. A detailed overview of each ofour product offerings is provided here. Our flagship product, ‘Zen Arth,’ is a personal financemanagement companion that assists Users (defined hereinafter) across sectors to optimize their wealth for tax planning through advanced technology (“Services”).

  
  

• These Terms of Use is an electronic record and does not require any physical, electronic or digital signatures. These Terms of Use constitutes a legal agreement between you and Zen Mithra Private Limited (“us”, “our”, “we”, “Company”) with respect to your access and/ or use of our website, www.zenmithra.com and our application(s), Zen Arth and Zen Swasth (hereinafter, collectively referred to as “Platform”) and/ or our Services. For the purposes of these Terms of Use, the terms “User” or “you” or “your” shall refer to person(s) (individual(s) or entity/ies) who access, subscribe to, and/ or use our Platform and/ or our Services. Further, the Company and the User (defined below) are hereinafter collectively referred to as the “Parties” and individually as a “Party.” Further,

2. TERMS OF ACCESS

• Access, use and browsing of the Platform and the use of our Services is only authorized subject to your compliance with these Terms of Use and all applicable laws. If you do not agree to these Terms of Use, you should not use our Platform and/ or Services. These Terms of Use shall apply whenever you access or use the Platform and/ or our Services. By accessing or using our Platform and/ or our Services, you agree that you have read, understood, and agreed to be bound by the Terms of Use.

  
  

• Upon your consenting to the Terms of Use and any other policies of the Company (which are incorporated by reference into these Terms of Use), and other arrangements executed with the Company, if any, the Company hereby grants you a limited, revocable, non-assignable and non- exclusive licence to access and/ or use the Platform and/ or avail our Services, and the Company will use reasonable commercial efforts to provide you the Services. The Services available to you may vary depending on the nature of your arrangement with us.

  
  

• Further, we may, in our sole determination, add, modify, or remove any of the Services, from time to time, without special notice to the Users. The Company may also provide upgrades, patches, enhancements, or fixes for the Services without additional charge (collectively, “Updates”), and such Updates will become part of the Services. The Company reserves the right to vary types and quantities of add-ons, functions, features, services and/ or other products that may be offered to you by the Company at any time. Any new features, tools, products or services that are added to the Platform, and/ or the subject matter of the Services shall also be subject to the Terms of Use.

  
  

• You can review the most current version of the Terms of Use at any time on the Platform. We reserve the right to update, change or replace any part of these Terms of Use by posting updates and/ or changes. It is your responsibility to check the Terms of Use periodically for changes. Your continued use of or access to the Platform and/ or use of the Services following the posting of any changes constitutes your acceptance of those changes.

3. ACCOUNT

• We are a product development company that leverages Artificial Intelligence (“AI”) to offer technology platform(s) to meet varied requirements of its customers. A detailed overview of each ofour product offerings is provided here. Our flagship product, ‘Zen Arth,’ is a personal financemanagement companion that assists Users (defined hereinafter) across sectors to optimize their wealth for tax planning through advanced technology (“Services”).

  
  

• Your account with us is personal to you, and you may not share your account information with, or allow access to your account by, any third party. You will be responsible for all activity that occurs under your account credentials, and you agree to use best efforts to prevent unauthorized access to or use of the Services and to preserve the confidentiality of your account credentials.

  
  

• If you have any reason to believe that there is any breach of secrecy with regard to your account or that your account has been accessed by a third party, you should notify us immediately.

4. COMPANY RIGHTS

• You understand, agree and acknowledge that the Company (or its licensors) solely and exclusively owns all rights, title and interest, including our Intellectual Property rights which subsist in or arise in relation to our business, operations, technologies, algorithms, products, software, Company Content, Platform, and/ or our Services. Nothing in these Terms of Use shall be construed to mean that you or any third party have any right, title or interest whatsoever in relation to the foregoing. For the purpose if these Terms of Use, the terms (a) “Intellectual Property” means and includes all ideas, concepts, creations, discoveries, inventions, improvements, know how, trade or business secrets, patents, trademarks, service marks, designs, tools, devices, models, methods, procedures, processes, systems, principles, algorithms, works of authorship, copyright, flowcharts, drawings, books, papers, models, sketches, formulas, proprietary techniques, research projects, and other confidential and proprietary information, computer programming code, databases, software programs, data, documents, instruction manuals, records, memoranda, notes, user guides; in any form, whether or not copyrightable, patentable or otherwise protectable; and (b) “Company Content” shall mean and include material/ content in the form of text, images, video, graphics, audio-visual works, and any other work or material available through, contained in, displayed at, communicated through, reproduced at or by the Platform; or any material/ content in relation to the Services; that is owned by or licensed to the Company. Further, it also includes the design, structure, selection, coordination, expression, look, feel and arrangement of the Platform.

5. USER CONTENT

• You are solely responsible for any and all content or data you display on, or transmit via or upload on the Platform or otherwise send to us by any other means, and the Company disclaims all liability and responsibility even if the Company enables you to upload such content or data onto the Platform and/ or to otherwise transmit it to us. By submitting content to us, you grant us a worldwide, non- exclusive, royalty-free license (with the right to sublicense) to use, copy, reproduce, process, adapt, modify, publish, transmit, display and share such content in any and all media and to associate your content with you, solely in connection with providing the Services. It is hereby clarified that all such content that you make available to us, belongs to you. The Company will not use such content for any other purpose other than to provide the Services. Furthermore, please note that any use of your personal data that you provide us will be in accordance with our Privacy Policy.

  
  

• Users are not permitted to upload, transmit, distribute or otherwise publish through the Platform or transmit to us, any content or comments which inter alia are, and/ or could be considered, to: (a) be defamatory, obscene, threatening, invasive of privacy, infringing Intellectual Property rights, proprietary rights, publicity rights or any other rights; (b) be abusive, illegal, unlawful, or otherwise objectionable that would constitute or encourage a criminal offence, violate the rights of any party, or that would otherwise give rise to liability or violate any law; and/ or (c) contain software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource.

6. USE OF PLATFORM/ SERVICES

• You agree to use the Platform only: (a) for purposes permitted by the Terms of Use; (b) in accordance with applicable law; and (c) for availing the Services. You agree not to engage in activities that may adversely affect the use of the Platform or Services by us or other Users. Further, your use of our Platform and/ or Services shall solely be for your personal and non-commercial use.

  
  

• You agree not to access (or attempt to access) the Platform and/ or our Services by any means other than through the interface that is provided by us. You shall not copy, distribute, upload, publish, modify, translate, broadcast, display, sell, transmit or retransmit any Company Content or anything subject to our rights or create any derivative work and/ or content based on any content or rights which is not owned by you or interfere with, or circumvent any right(s) associated with the Company.

  
  

• Further, you hereby agree not to directly or indirectly, (a) reverse engineer, decompile, disassemble or otherwise attempt to discover the source code, object code or underlying structure, ideas, know-how or algorithms relevant to our software, Services or any documentation or data related to the Services; (b) modify, translate, or create derivative works based on our software or Services; (c) use the software or Services for timesharing or service bureau purposes or otherwise for the benefit of a third party; (d) remove any proprietary notices or labels; (e) copy, modify, duplicate, frame, mirror, republish, display, resell, white-label all or any portion of our software/ Services or any technology or system used by the Company in connection with providing the Services, in any form or media or by any means; (f) scrap or extract data from our Platform/ Services that belongs to us (g) remove or export from the country in which the Services are availed by you, or allow the export or re-export of the Services, our software or anything related thereto, or any product thereof in violation of any applicable law; (h) use our software and/ or Services to process, transmit or otherwise make available any content and/ or material that infringes or misappropriates the Intellectual Property and/ or proprietary rights of any third-party; (i) interfere with, or disrupt the integrity or performance of our software and/ or Services, or any data or content contained therein or transmitted thereby; (j) build a competing product or service using our software and/ or Services or using similar ideas, features, functions or graphics in relation to our software/ Services; and/ or (k) introduce or permit the introduction of, any virus and/ or vulnerability into the Company’s software, Services, products, platform(s), network, or information systems.

  
  

• You understand that the Platform/ Services, may contain third-party content. We expressly disclaim any liability arising out of such third-party content. Further, if the Platform provides links to other websites, destinations (including payment gateways), you should not infer or assume that we operate and/ or control it. In such cases, you will be deemed to be governed by the terms of use and privacy policies of such third-party platforms.

  
  

• We may provide you with access to third-party tools which we neither monitor nor over which we have any control or input. You acknowledge and agree that we provide access to such tools ‘as is’ and ‘as available’ without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of such third-party tools. Any use by you of such third-party tools offered by us through the Platform or otherwise, is entirely at your own risk and discretion; and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).

7. PAYMENTS

• The Company may adopt a freemium model wherein certain Services may be made available without any charges, while certain other Services may involve a subscription fees. Our subscription plans are set-forth here. If you are using a free version of the Services, we will notify you before any Services you are then using begin carrying a fee, and if you wish to continue using such Services, you must pay all applicable fees for such Services.

  
  

• The Company currently uses third party payment processors/ services providers to process payments on its Platform, for its paid Services. Our third-party payment processors accept payments through various options, including, UPI/ net banking/ debit cards/ credit cards/ wallets, as detailed on the applicable payment screen. The payments you make, and all payment-related transactions will be governed by the terms and conditions of such third-party payment processors.

8. INDEMNIFICATION & DISCLAIMERS

• The User explicitly agrees to fully indemnify and hold harmless the Company and its employees, directors, shareholders, licensors and affiliates from and against any and all actions, claims, charges, costs, demands, damages, losses, expenses, suits, proceedings, and liabilities of whatever nature and howsoever arising (including, but not limited to any legal or other professional fees and the costs of defending or prosecuting any claim and any loss of profit, goodwill, and any other direct or consequential loss, whether or not pecuniary), incurred or suffered by any or all of them, directly or indirectly, by reason of: (a) any breach by the User of these Terms of Use, or Privacy Policy of the Company, or any other agreement that it may have entered into with the Company; (b) violation of any applicable law by the User; (c) any third party claim; or (d) any other act or omission on the part of the User. The provisions of this indemnification clause shall survive the termination of the

  subscription or access of the Platform in any manner.

  
  

• The Company will make best efforts to maintain commercially reasonable administrative, physical, and technical safeguards designed for the protection, confidentiality, and integrity of your data/ content; however, the Company is not responsible for any of your data/ content that are delayed, lost, altered, intercepted, or stored during the transmission of any data/ content whatsoever across networks not owned and/ or operated by the Company, including, but not limited to, the internet and/ or your network.

  
  

• You acknowledge that the Platform and/ or the Services is made available on an ‘as-is’ basis. We do not guarantee, represent or warrant in any manner that your use of our Platform and/ or Services will be uninterrupted, timely, secure or error-free, or that the results that may be obtained from the use of the Platform and/ or Services will be accurate or reliable or effective in nature. You understand and accept that the reliance on the Platform and/ or Services is solely at your own judgement and risk. You should take all responsibility for your own actions in utilising the Platform and/ or Services, and we shall not be liable for any such action or consequence thereof. Further, it is your responsibility to ensure your equipment (computer, laptop, netbook, tablet or other mobile device) meets all the necessary technical specifications to enable your access and use of the Platform and/ or our Services.

  
  

• The Company explicitly disclaims all warranties, express or implied, (whether direct or indirect, or pecuniary or otherwise) including, without limitation the implied warranties of merchantability, completeness and fitness for a particular purpose, for any errors or omissions therein, and for any results which may be/ are obtained/ obtainable in relation to the use of the Platform and/ or our Services, including non-infringement with respect to any Company Content. The User agrees to such disclaimer of liability, and agrees that it is reasonable.

  
  

• Please note that our Services are based on and enabled through AI. Our Services involve AI: (a) processing your queries through advanced large language models (“LLMs”) from third-party providers; (b) searching database of Claude, Gemini and other similar services; and (c) generating responses based on patterns learned from training data. Our Services do not have human understanding or judgment. It is hereby particularly clarified that we are not a chartered accountant/ audit/ law firm or a government/ government-backed platform; we do not file your income tax returns (“ITR”); and we do not guarantee tax savings. We only provide the specified services for information purposes, with the objective of assisting Users in understanding and planning their taxation and related finances. Users are responsible for all their personal finance decisions and for verifying calculations with a qualified chartered accountant before filing their ITR or any other tax documents and records. We are not liable for errors arising from incorrect Users’ inputs/ data or changes in the applicable law (including specifically the tax law).

  
  

• The User understands and acknowledges that: (a) AI and our Services are not a replacement for professional expertise and advice; (b) AI cannot understand context, nuance, or apply professional judgment the way a qualified professional can; (c) AI cannot guarantee accuracy or completeness; and (d) our AI outputs and Services do not constitute legal advice, tax advice, or professional consultation. You are solely responsible for reviewing, verifying, and validating all AI-generated content and outputs before using them in any professional or legal context.

  
  

• The User understands and acknowledges that AI (specifically, generative AI and agentic AI) is an evolving technology and the potential risks inherent to this technology may not be fully understood, and absolute safeguards may not be fully developed. Accordingly, the Company disclaims all liability resulting from your use of our Services and/ or arising from [third-party AI provider failures or service interruptions]. The Company makes no representation or warranty, express or implied, concerning the extent to which your use of our Services or the output of such Services is appropriate, permissible, lawful, correct, or otherwise suitable for you or its intended use. By using our Services, you assume any and all risk of any nature. Furthermore, the underlying AI technology may, in some cases, provide incorrect, inaccurate, or otherwise inappropriate information. If you do not agree with these assumptions of risk, you should not use our Services.

  
  

• You further understand that when using the Platform and/ or our Services, you may be exposed to content from a variety of sources, and that Company is not responsible for the accuracy, usefulness, safety or Intellectual Property rights of, or relating to, such content on the Platform. The Company may, but is not obligated to, monitor or control the content. Any use or reliance on any content is at your own risk.

  
  

• Each User explicitly agrees that under no circumstances shall the Company and/ or its employees, directors, shareholders, associates, licensors and/or affiliates be liable for any claims, charges, demands, damages, liabilities, losses, and expenses of whatever nature and howsoever arising, including, without limitation any compensatory, incidental, direct, indirect, special, punitive, or consequential damages, loss of use, loss of data, loss caused by a computer or electronic virus, loss of income or profit, loss of or damage to property, claims of third parties, or other losses of any kind or character, even if any/ all of them has/ have been advised of the possibility of such damages or losses, arising out of or in connection with the use of the Platform and/ or the Services, any third-party products and services viewable at/ through Platform, or any third party site including any linked site or referred site.

• Subject to the aforementioned clauses, the indemnification obligations of the Company, its affiliates, shareholders, employees, agents, officers, and directors (“Company Indemnifiers”) (regardless of the form of action, whether in contract, tort, or otherwise) for any claims by the Users, on account of any losses, liabilities, damages or expenses, shall: (a) where Users have purchased our subscription plan(s), be limited to the subscription fee equivalent to [3 (three)] months fee actually paid by such Users preceding to the date giving rise to the claim or liability, computed on a pro-rated basis; (b) where Users have made specific and/ or ad-hoc purchases, be limited to [25%] of the fee actually paid by the User for Services in relation to which the claim arises. In any event, they will need to be claimed within 30 (thirty) days of such issues arising onto the Users. In the event a User uses the Platform/Services without being required or obligated to pay the Company any monetary consideration or fees for availing such Services, the collective liability of the Company Indemnifiers, to any party (regardless of the form of action, whether in contract, tort, or otherwise), will not exceed INR 500 (Indian National Rupees Five Hundred only).

2. REPRESENTATIONS AND WARRANTIES

• you are a person of legal age to form a binding contract, in accordance with the applicable laws of the territory/ country from where you are accessing/ using the Platform or our Services. If you are a minor, you must have your parent or guardian read and agree to these Terms of Use prior to you using the Platform.

  
  

• Upon your consenting to the Terms of Use and any other policies of the Company (which are incorporated by reference into these Terms of Use), and other arrangements executed with the Company, if any, the Company hereby grants you a limited, revocable, non-assignable and non- exclusive licence to access and/ or use the Platform and/ or avail our Services, and the Company will use reasonable commercial efforts to provide you the Services. The Services available to you may vary depending on the nature of your arrangement with us.

  
  

• Further, we may, in our sole determination, add, modify, or remove any of the Services, from time to time, without special notice to the Users. The Company may also provide upgrades, patches, enhancements, or fixes for the Services without additional charge (collectively, “Updates”), and such Updates will become part of the Services. The Company reserves the right to vary types and quantities of add-ons, functions, features, services and/ or other products that may be offered to you by the Company at any time. Any new features, tools, products or services that are added to the Platform, and/ or the subject matter of the Services shall also be subject to the Terms of Use.

  
  

• You can review the most current version of the Terms of Use at any time on the Platform. We reserve the right to update, change or replace any part of these Terms of Use by posting updates and/ or changes. It is your responsibility to check the Terms of Use periodically for changes. Your continued use of or access to the Platform and/ or use of the Services following the posting of any changes constitutes your acceptance of those changes.

2. TERMS OF ACCESS

• Access, use and browsing of the Platform and the use of our Services is only authorized subject to your compliance with these Terms of Use and all applicable laws. If you do not agree to these Terms of Use, you should not use our Platform and/ or Services. These Terms of Use shall apply whenever you access or use the Platform and/ or our Services. By accessing or using our Platform and/ or our Services, you agree that you have read, understood, and agreed to be bound by the Terms of Use.

  
  

• Upon your consenting to the Terms of Use and any other policies of the Company (which are incorporated by reference into these Terms of Use), and other arrangements executed with the Company, if any, the Company hereby grants you a limited, revocable, non-assignable and non- exclusive licence to access and/ or use the Platform and/ or avail our Services, and the Company will use reasonable commercial efforts to provide you the Services. The Services available to you may vary depending on the nature of your arrangement with us.

  
  

• Further, we may, in our sole determination, add, modify, or remove any of the Services, from time to time, without special notice to the Users. The Company may also provide upgrades, patches, enhancements, or fixes for the Services without additional charge (collectively, “Updates”), and such Updates will become part of the Services. The Company reserves the right to vary types and quantities of add-ons, functions, features, services and/ or other products that may be offered to you by the Company at any time. Any new features, tools, products or services that are added to the Platform, and/ or the subject matter of the Services shall also be subject to the Terms of Use.

  
  

• You can review the most current version of the Terms of Use at any time on the Platform. We reserve the right to update, change or replace any part of these Terms of Use by posting updates and/ or changes. It is your responsibility to check the Terms of Use periodically for changes. Your continued use of or access to the Platform and/ or use of the Services following the posting of any changes constitutes your acceptance of those changes.

2. TERMS OF ACCESS

• Access, use and browsing of the Platform and the use of our Services is only authorized subject to your compliance with these Terms of Use and all applicable laws. If you do not agree to these Terms of Use, you should not use our Platform and/ or Services. These Terms of Use shall apply whenever you access or use the Platform and/ or our Services. By accessing or using our Platform and/ or our Services, you agree that you have read, understood, and agreed to be bound by the Terms of Use.

  
  

• Upon your consenting to the Terms of Use and any other policies of the Company (which are incorporated by reference into these Terms of Use), and other arrangements executed with the Company, if any, the Company hereby grants you a limited, revocable, non-assignable and non- exclusive licence to access and/ or use the Platform and/ or avail our Services, and the Company will use reasonable commercial efforts to provide you the Services. The Services available to you may vary depending on the nature of your arrangement with us.

  
  

• Further, we may, in our sole determination, add, modify, or remove any of the Services, from time to time, without special notice to the Users. The Company may also provide upgrades, patches, enhancements, or fixes for the Services without additional charge (collectively, “Updates”), and such Updates will become part of the Services. The Company reserves the right to vary types and quantities of add-ons, functions, features, services and/ or other products that may be offered to you by the Company at any time. Any new features, tools, products or services that are added to the Platform, and/ or the subject matter of the Services shall also be subject to the Terms of Use.

  
  

• You can review the most current version of the Terms of Use at any time on the Platform. We reserve the right to update, change or replace any part of these Terms of Use by posting updates and/ or changes. It is your responsibility to check the Terms of Use periodically for changes. Your continued use of or access to the Platform and/ or use of the Services following the posting of any changes constitutes your acceptance of those changes.

2. TERMS OF ACCESS

• Access, use and browsing of the Platform and the use of our Services is only authorized subject to your compliance with these Terms of Use and all applicable laws. If you do not agree to these Terms of Use, you should not use our Platform and/ or Services. These Terms of Use shall apply whenever you access or use the Platform and/ or our Services. By accessing or using our Platform and/ or our Services, you agree that you have read, understood, and agreed to be bound by the Terms of Use.

  
  

• Upon your consenting to the Terms of Use and any other policies of the Company (which are incorporated by reference into these Terms of Use), and other arrangements executed with the Company, if any, the Company hereby grants you a limited, revocable, non-assignable and non- exclusive licence to access and/ or use the Platform and/ or avail our Services, and the Company will use reasonable commercial efforts to provide you the Services. The Services available to you may vary depending on the nature of your arrangement with us.

  
  

• Further, we may, in our sole determination, add, modify, or remove any of the Services, from time to time, without special notice to the Users. The Company may also provide upgrades, patches, enhancements, or fixes for the Services without additional charge (collectively, “Updates”), and such Updates will become part of the Services. The Company reserves the right to vary types and quantities of add-ons, functions, features, services and/ or other products that may be offered to you by the Company at any time. Any new features, tools, products or services that are added to the Platform, and/ or the subject matter of the Services shall also be subject to the Terms of Use.

  
  

• You can review the most current version of the Terms of Use at any time on the Platform. We reserve the right to update, change or replace any part of these Terms of Use by posting updates and/ or changes. It is your responsibility to check the Terms of Use periodically for changes. Your continued use of or access to the Platform and/ or use of the Services following the posting of any changes constitutes your acceptance of those changes.