The information, materials, tools, interfaces, and facilitation services made available on or through the website and technology platform operated by Fab Capital (“Fab Capital”, “Company”, “Platform”, “we”, “our”, or “us”) are provided strictly on a general informational, preparatory, and marketplace-facilitation basis. This Disclaimer establishes important legal limitations, exclusions, and clarifications regarding the nature, scope, and legal effect of all Platform content and services.

By accessing, browsing, registering on, submitting information to, or otherwise using the Platform in any manner whatsoever, you expressly acknowledge and confirm that you have read, understood, and agreed to be legally bound by this Disclaimer, the Terms of Use, and the Privacy Policy. If you do not agree with any part of these documents, you must immediately cease and refrain from all Platform access and usage.

Your continued use constitutes ongoing acceptance of this Disclaimer in its most current published form.

Platform Character and Service Limitation Notice

The Platform operates as a technology-enabled debt marketplace and facilitation interface designed to assist businesses in discovering, evaluating, and connecting with regulated financial institutions and funding partners. The Platform’s role is strictly limited to digital enablement, process coordination support, and marketplace connectivity.

For absolute clarity:

• The Company is not a bank
• The Company is not a Non-Banking Financial Company (NBFC)
• The Company is not a regulated lender
• The Company does not originate loans
• The Company does not underwrite credit risk
• The Company does not sanction credit facilities
• The Company does not issue financial products
• The Company does not guarantee funding outcomes

All lending, underwriting, sanctioning, pricing, structuring, and disbursement decisions are made independently and exclusively by third-party regulated financial institutions.

Nothing on the Platform alters, substitutes, or overrides the independent regulatory obligations or decision-making authority of such institutions.

Nature and Boundaries of Platform Content

All information, descriptions, process explanations, product overviews, eligibility illustrations, workflow guidance, and facilitation materials presented on the Platform are intended solely to provide general awareness and process orientation.

No content appearing on the Platform shall be construed as:

• A credit approval or sanction
• A binding financing commitment
• A guaranteed funding pathway
• A financial product offer
• A solicitation to lend or borrow
• An invitation to invest
• A securities offering
• Investment advice
• Financial advice
• Legal advice
• Tax advice
• Regulatory advice
• Fiduciary guidance

All financing transactions remain subject to independent lender due diligence, underwriting criteria, regulatory compliance requirements, and execution of definitive agreements directly between the borrower and the lender.

Regulatory Status Clarification

The Company is not registered with the Reserve Bank of India as an NBFC and does not carry on regulated lending or deposit-taking activities. The Platform does not perform regulated credit intermediation functions that require lender licensing.

All funding products, credit facilities, and debt instruments referenced, displayed, or facilitated through the Platform are offered solely by licensed and regulated financial institutions or approved funding partners operating under their own regulatory frameworks.

Responsibility for regulatory compliance in relation to lending products rests exclusively with the respective lending institution — not with the Platform.

Platform presence or display does not create regulatory equivalence or substitute lender licensing.

Information Accuracy, Completeness, and Change Risk

All Platform information — including but not limited to:

• Indicative interest rates
• Eligibility criteria
• Funding structures
• Processing timelines
• Turnaround expectations
• Product descriptions
• Market commentary
• Yield illustrations
• Scenario projections

— is provided on a best-effort, indicative, and non-binding basis and may be derived from third-party sources, partner inputs, market observations, or model assumptions.

The Company makes no representation or warranty, express or implied, regarding:

• Accuracy
• Completeness
• Reliability
• Suitability
• Merchantability
• Fitness for purpose
• Timeliness
• Continued availability

Credit markets, regulatory frameworks, tax rules, and financial conditions are inherently dynamic and may change without notice. Any projections, simulations, forecasts, or illustrative outcomes are hypothetical in nature and do not constitute performance assurances.

Past outcomes do not predict or guarantee future results.

The Company assumes no obligation to update, correct, or revise Platform information.

No Advisory, Fiduciary, or Agency Relationship

Use of the Platform does not create any of the following relationships between the User and the Company:

• Fiduciary relationship
• Investment advisory relationship
• Financial advisory engagement
• Legal advisory engagement
• Tax advisory engagement
• Agent–principal relationship
• Trustee relationship
• Broker relationship

All Users remain solely responsible for:

• Independent due diligence
• Professional consultation
• Financial analysis
• Legal review
• Tax planning
• Risk assessment

Any reliance placed on Platform content, tools, partner references, or process guidance is undertaken entirely at the User’s own discretion and risk.

Third-Party Content, Lender References, and Partner Mentions

The Platform may display, reference, or enable access to third-party lenders, verification providers, technology vendors, or service partners strictly for identification and facilitation purposes.

Such references do not constitute:

• Endorsement
• Recommendation
• Certification
• Guarantee
• Performance assurance
• Suitability validation

The Company does not control and is not responsible for third-party:

• Credit decisions
• Underwriting standards
• Pricing
• Documentation terms
• Conduct
• Service levels
• Compliance outcomes

All contractual relationships arise solely between the User and the relevant third party.

Technology and Access Risk Disclosure

Digital platforms are subject to inherent operational and cyber risks. While reasonable safeguards may be implemented, the Company does not guarantee that the Platform will always be:

• Error-free
• Secure
• Virus-free
• Interruption-free
• Compatible with all systems

Users acknowledge residual risks including:

• Network failures
• Data transmission delays
• Unauthorized access attempts
• System outages
• Infrastructure disruptions

Use of the Platform is at the User’s own technological risk.

Intellectual Property and Content Protection Notice

All Platform materials — including text, software, process frameworks, analytics structures, interface designs, graphics, logos, trademarks, and proprietary methodologies — are protected by applicable intellectual property laws and remain the exclusive property of the Company or its licensors.

No content may be:

• Copied
• Reproduced
• Republished
• Distributed
• Reverse engineered
• Commercially exploited

without prior written authorization.

Third-party marks remain the property of their respective owners and are used for reference only.

Comprehensive Limitation of Liability

To the maximum extent permitted under Indian law, the Company shall not be liable for any loss or damage — whether direct, indirect, incidental, consequential, special, exemplary, or punitive — arising out of or related to:

• Platform usage
• Inability to use the Platform
• Reliance on Platform content
• Financing outcomes
• Lender decisions
• Credit rejections
• Pricing changes
• Disbursement delays
• Data inaccuracies
• Third-party conduct
• Technical failures
• Cyber incidents
• Regulatory changes

All services are provided strictly on an “as-is” and “as-available” basis without warranties of any kind.

Platform Modification and Service Evolution Notice

The Company reserves the unrestricted right, at its sole discretion, to:

• Modify Platform features
• Revise content
• Update descriptions
• Alter facilitation models
• Add or remove partners
• Suspend workflows
• Discontinue services

Such changes may occur without prior notice and without liability.

User Responsibility and Compliance Obligation

Users remain fully responsible for:

• Accuracy of submissions
• Lawful use of the Platform
• Compliance with Indian law
• Authenticity of documents
• Truthfulness of representations

The Company reserves the right to deny access, suspend usage, or terminate engagement where misuse, misrepresentation, fraud risk, or regulatory exposure is detected.

Governing Law and Jurisdiction

This Disclaimer and all Platform usage shall be governed by and construed in accordance with the laws of India. Subject to any arbitration provisions in the Terms of Use, disputes shall fall under the jurisdiction of the competent courts where the Company’s registered office is located.