Terms and Conditions

1. Disclaimer Terms of Use / Terms and Conditions. These Terms of Use (“Terms”) are intended to detail our obligations to your regarding our site, as well as inform you of the rules and regulations of Ratekart Information Technogies Private Limited (referred to as “Ratekart”) having its registered office at 4 th Floor, No. 2, 1st Main Jakkasandra, 1st Block Koramangala, Bengaluru-560034, Karnataka. By using this website www.Ratekart.com you agree to these Terms. As such, We strongly encourage our visitors to read through this content regularly to stay informed of this disclaimer and any changes to our Terms. In the following Terms, “We, Us, and Website” are used to refer to Ratekart and “You” and “Your” refers to any individual, company or legal entity that accesses or otherwise uses this Website.

By accessing this Website, you agree to be bound by these Terms, please read them carefully. If you disagree to be bound by these terms you should not access or view this Website.

2. Use of the Website. The information contained on this Website is intended for general information purposes only. We have made all reasonable efforts to ensure that the information on this Website is accurate at the time of inclusion, however, there may be inaccuracies and occasional errors for which Ratekart apologizes.

3. Modification of the Terms These Terms may be amended by Ratekart, in its sole discretion, at any time without notice to You. Such amended Terms shall be effective upon posting. By continuing to access or use this Website, You will be deemed to have accepted such amendments. You are advised to regularly review any applicable terms and conditions. We reserve the right to discontinue or make changes or updates with respect to the Website or the content of the Website at any time without notice.

4. Privacy Personal information provided through this website shall be used in accordance with Ratekart’s Privacy Policy and these Terms are subject to the Privacy Policy as posted on this Website.

5. Copyrights and Trademarks ou acknowledge that all content on this website, including, without limitation, the Website’s design, graphics, text, formatting, sounds, pictures, images, user interfaces, page headers, custom graphics, button icons, scripts, software, trademarks, service marks, trade names, trade dress, logos and other materials and information on this Website, and the selection and arrangement thereof (collectively, the “Content”), is thereof (collectively, the “Content”), is owned, licensed by or to Ratekart, and is protected by applicable laws and international copyright, trademark and various other intellectual property laws and rights. Except as expressly authorized in these Terms, You may not copy, reproduce, distribute, republish, download, perform, display, post, transmit, exploit, create derivative works or otherwise use any of the Content in any form or by any means, without the prior written authorization of Ratekart. Ratekart authorizes you to view and download the Content, provided that

(i) you use the Content only for your own personal, non-commercial use,

(ii) you keep intact all copyright and other proprietary notices contained therein, and

(iii) you do not modify or adapt the Content in any way. All rights to the Content not expressly granted in these Terms are expressly reserved to Ratekart.

6. Disclaimer of Warranties

Ratekart strives to provide accurate and up-to-date material on this Website. However, we make no warranties or representations as to the accuracy or timeliness of the Content on this Website.

THE WEBSITE AND THE CONTENT CONTAINED ON THIS WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. Ratekart EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. Ratekart MAKES NO WARRANTY THAT

(I) THE WEBSITE WILL MEET YOUR REQUIREMENTS,

(II) THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE,

(III) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEBSITE WILL BE ACCURATE OR RELIABLE,

(IV) THE WEBSITE IS FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS, OR

(V) ANY ERRORS IN THE WEBSITE WILL BE CORRECTED. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THIS WEBSITE IS PROVIDED AT YOUR OWN RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM YOUR USE OF THE SITE, INCLUDING WITHOUT LIMITATION, DAMAGES RESULTING FROM COMPUTER VIRUSES.

7. Intellectual Property Copyright in the design and architecture of the Website is provided by Ratekart. Ratekart owns the copyright in the Content published on the Website except where otherwise indicated by a third party's proprietary notice. Images, trademarks and brands are also protected by other intellectual property laws and may not be reproduced or appropriated in any manner without the written permission of their respective owners. Unless specifically prohibited by a notice published on any page, You may make a print copy of such parts of the Website as you may reasonably require for Your own personal use provided that any copy has attached to it any relevant proprietary notices and/or disclaimers. All other use is prohibited. We are not responsible for websites we link to. We are not responsible for the content of any other website from which you have accessed the Website or to which you may hyperlink from the website and cannot be held liable for any loss or damage you incur as a result thereof.

8. Indemnification and Release You agree to indemnify, defend and hold harmless Ratekart and its affiliates against all claims, demands, causes of action, losses, expenses, damages and costs, including any reasonable attorneys’ fees, resulting or arising from or relating to your use of or conduct on the Website, any activity related to use of the Website by you, any message or material that you submit to, post on or transmit through the Website, your violation of these Terms, your infringement or violation of any rights of another, or termination of your access to the Website.

If you have a dispute with one or more users, you release Ratekart and its affiliates from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.

9. Governing Law and Dispute Resolution

The Agreement shall be governed by the laws for the time being in force in the territory of India and the Courts in Delhi alone shall have exclusive jurisdiction on the matters concerning this Agreement.

All disputes arising under or in relation to this Agreement may be referred to arbitration before a sole arbitrator. If the Parties fail to agree on the appointment of a sole arbitrator within the time stipulated under the Indian Arbitration and Conciliation Act, 1996 (the “Act”) the Parties shall approach the competent Court under the Act for appointment of the sole arbitrator. The Arbitration proceedings shall be carried out in accordance with the Act and the Rule framed thereunder and the place/seat of Arbitration shall be Delhi. The arbitration proceedings shall be conducted in English.

10. No Unlawful and Prohibited Activity

You shall not use this website for any illegal purposes and in particular agree that you shall not send any material which is defamatory or obscene as per applicable laws or which is abusive, indecent or in breach of the privacy of any person. You agree not to send any unsolicited promotional or advertising material, spam or similar materials or any volume messages that may interfere with the operation of this Website or with the enjoyment of this Website by other visitors.

11. Deepfake Content

Ratekart does not allow any deepfake content (including images, videos, audios, gifs, and URLs hosting deepfake content) to be posted, uploaded, streamed or shared on our Platform as it might cause harm to individuals or groups, create widespread confusion on public issues, impact public safety, cause serious harm or significantly undermine participation or trust in electoral or civic processes. Users must refrain from using deepfake content to boost traffic, increase followers, or gain views, comments, and shares.

Deepfake content is defined as manipulated, synthetic or falsified audio or visual media that seem authentic, and which feature people that appear to say or do something they have never said or done, produced using artificial intelligence techniques. Deepfakes can best be understood as a subset of a broader category of AI-generated ‘synthetic media’, which not only includes video and audio but also photos and text.

Ratekart reserves the right to remove or restrict account access for Users, whom we have reason to believe have uploaded Deepfake content on the Platform. In evaluating such acts, we may share information with subject matter experts or law enforcement.

You acknowledge, confirm and agree that Ratekart is under no obligation to monitor the content on its Platform, but retains the right to monitor all content posted by You. You acknowledge and agree that, in case of any breach of applicable laws or the terms of this policy, You will be solely responsible for any consequences arising out of such breach.

12. Severability If any provision of these Terms of Use is held to be unlawful, void, or for any reason unenforceable by a court of competent jurisdiction, then the invalid or unenforceable provision shall be replaced by a valid, enforceable provision that most closely matches the intent of the original provision, and the validity and enforceability of any remaining provisions shall not be affected.

13. No Waiver The failure of Ratekart and its affiliates to enforce any part of these Terms shall not constitute a waiver of such term or provision and shall not be considered a waiver or limit Ratekart’s right thereafter to insist upon strict adherence to that term or any other provision of these Terms.

Code of Conductfor Business

Scope and Purpose

EDGMA own and manage Ratekart.com (“Ratekart” or “We” or “our”) Code of Business Conduct (“Code”) describes the philosophy and cultural expectations on working together with our customers and partners (hereinafter referred as “Business Partners”). We are committed to act ethically and responsibly in business engagements.

The Code sets out the standards by which we operate and guides our behaviours and the standards which we expect from our Business Partners. The Code emphasizes a culture of trust, integrity, reporting and conducting business in an ethical way.

We expect that our Business Partner(s) including their subcontractors and associated staff share and embrace these values as well as our commitment to compliance.

This Code applies to Ratekart and the company’s wholly owned or controlled by Ratekart (“EDGMA Group”).

Ratekart takes violations of the Code extremely seriously. We will not hesitate to take appropriate disciplinary actions (including dismissal, if required) against anyone who does not live up to the highest ethical business standards.

Business Conduct Ratekart shares and pursues values of People, Innovation, Excellence, and Integrity. We at Ratekart cultivate creativity & challenge, acknowledging that future competitiveness depends on innovation and development. While Business Partners are independent entities from Ratekart Group, the business practices and actions of a Business Partner may significantly impact our reputation. Because of this, we expect all Business Partners, including Agencies and their employees, agents, and subcontractors ("Representatives") to certify their willingness to comply with the Code.

It is the responsibility of our Business Partner and their representatives to understand and adhere to this Code. Business Partner should notify Ratekart if and when any situation develops that causes the Business Partner Vendor or its representative to operate in a way that may be in conflict with Code. Ratekart may request the removal of any Business Partner or its representative who behaves in a manner that we consider to be acting inconsistent with these Code. As a responsible industry leader, we take our responsibilities very seriously. We are transparent and responsible and comply with all applicable laws and ensure that employees are aware of those laws relevant to their roles.

Compete Ratekart is committed to conducting business in a legal, ethical, and responsible manner and requires that our approved Business Partner work at the same high level of standards. Ratekart Code sets out the principles, guidelines, and expectations we have of our Business Partners in conducting business responsibly and with integrity. In addition, Business Partners are expected to fully comply with the laws and regulations of the countries in which they operate. Ratekart will compete fairly at all its operations around the world, abiding by national laws and regulations and relevant international standards governing the conduct of business.

Confidentiality Business Partners are expected to protect confidential information. Business Partners must adopt and maintain processes to provide reasonable protections for personal, proprietary, and confidential information, including information that they access, receive or process on behalf of Ratekart. Business Partner should recognize that unauthorized use or disclosure of such information may have personal, legal, reputational and financial consequences for the Business Partner, the individuals whose personal information may be implicated, and for Ratekart. In addition, Business Partner must comply with all applicable privacy / data protection and information security laws and regulations.

Expected Regulatory Compliance Practices Business Partners and their Representatives shall conduct their business activities in compliance with the applicable laws and regulations. While conducting business with and/or on behalf of Ratekart in addition to any specific obligations under the relevant arrangement/ agreement with Ratekart, all Business Partner shall, without limitation:

Comply with all applicable laws including but not limited to Trade compliance, anti- bribery and anti-corruption, competition laws etc. Be honest, direct, and truthful in discussions with regulatory agency representatives and government officials. Expected Business Practices

Business Partners and their Representatives shall conduct their business interactions and activities with integrity and in accordance with their obligations under their relevant arrangement/agreements with Ratekart. In addition to any specific obligations under the relevant arrangement/ agreement with Ratekart all Business Partner and its Representative shall, without limitation:

Honest and precisely record (including contracts) and report all business information and comply with all applicable laws that deal with their completion and accuracy.

Comply with the intellectual property ownership rights of the Company not limited to trademarks, patents and trade secrets and use software, hardware, and content only in accordance with their associated license or terms of use

Protect and use the physical and intellectual property of the Company responsibly

Not exploit any business opportunity, outside employment, or investment which would interfere with the ability to perform their responsibility or make an improper personal benefit.

Create, retain and dispose of business records in full compliance with all applicable legal and regulatory requirements.

Not engage in dialogue with investors or media without the prior consent of appropriate internal functions.

Diversity & Equal opportunity

Ratekart expects its Business Partner and representatives to share its commitment to human rights and equal opportunity in the workplace. Ratekart respects individual freedom, human rights, dignity and is committed to treating all Business Partners and employees with trust and respect and provides equal opportunities to each person. We do not support any form of discrimination or harassment in the workplace and do not tolerate any behaviour that would commonly be considered offensive or unacceptable.

Any act such as “physical contact and advances”, a demand or request for sexual favours, sexually coloured remarks, showing pornography and any other unwelcomed physical, verbal or non-verbal conduct of a sexual nature will be treated as a severe offence.

Child Labour Business Partners must not employ child labour and should take the necessary preventive measures to ensure that it does not employ anyone under the applicable legal minimum age of employment. Such measures include age verification systems, training for managers, and communicating with subcontractors and suppliers on child labour issues. The Business Partner must ensure that such employment is in accordance with the relevant law and must provide adequate protection against any conditions that may be hazardous to the health and safety of young workers.

Compliance with Local Law Business partners shall comply with all local and national laws and regulations of the jurisdictions in which we do business. Business partners and clients associated with us shall further deploy consultants who are committed to meeting required standards as per local & national laws.

Corruption and Bribery We do not encourage to offer or receive any illegal payments or offer something of value to another person or someone who is an employee of the government or a public agency with the purpose to influence which includes comparable benefits that are intended to obtain undue favors for the conduct of business. You will comply with all applicable anti- money laundering, anti- fraud and anti-corruption laws.

Gifts, Favours, and Benefits Gift giving is a widely accepted way of showing appreciation to the individuals with whom we form working relationships. However, because giving or accepting a gift may create the expectation of a favour in return, business partners must as a general rule avoid giving or accepting any gifts, favours, benefits, sponsorships to an event or gratuities in connection with their official duties. Business must be carried out with a high degree of ethics, honesty and fair dealings ensuring we are committed to a high performing professional relationship.

Conflict of Interest All Business Partners (including employees) shall act in the interest of the company and in case of any potential or actual conflict of interest, the concerned must immediately report such conflicts to below mentioned e-mail id, thereafter We will within a reasonable time take necessary steps to address or resolve the conflict amicably. If there is a failure to make the required disclosure and We become aware of a conflict of interest that should have been disclosed, the management shall consider appropriate disciplinary actions.

Misconduct & Reporting

Misconduct would include mishandling of office assets/finances, violation of Intellectual Property Rights, violation of confidentiality, theft or pilferage, use of inappropriate language. These are only indicative. Any action that is detrimental to discipline would be dealt with strictly are unacceptable.

In case any of the business partners associated with Ratekart fail to meet the Code or are found to violate the standards set at any given time, the Company may proceed with strict measures as deemed appropriate including discontinuation of this association.

REPORTING OF QUESTIONABLE BEHAVIOR AND/OR POSSIBLE VIOLATIONS

If you wish to report a concern, you may write to [email protected]