Welcome, and thank you for using AIIONGOLD! When you use AIIONGOLD Platform, You are agreeing to be governed by the Terms and Conditions contemplated herein below read with our Privacy Policy, the terms and condition (if any) specific to the products and/ or services availed by You. We sincerely recommend you take a few minutes to read over and familiarize Yourself with the Terms and Conditions described below.

Note: By registering, browsing, accessing, downloading, and/or using the AIIONGOLD Platform either for general purpose or for specific purpose, You are agreeing to and entering into a legally binding agreement with including but not limited to Bingold Pte. Ltd., Bingold Pte. Ltd and AIIONGOLD Private Limited.

PLEASE READ THROUGH THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING AIIONGOLD PLATFORM (i.e., THE SITE AND/OR ITS MOBILE APPLICATION)

The website www.AIIONGOLD.com (“Website”) and the mobile application AIIONGOLD (“Mobile App”) is owned, operated, and managed, by Bingold Pte. Ltd. (“BINGOSG”), having its registered office located at #10-06, textile Centre, Singapore. For the purposes of providing the AIIONGOLD Platform Services, BINGOSG has granted to its Group Entities a revocable, non-exclusive, nontransferable license to utilize the AIIONGOLD Platform.

THESE TERMS IS AN ELECTRONIC RECORD IN THE FORM OF AN ELECTRONIC CONTRACT FORMED UNDER INFORMATION TECHNOLOGY ACT, 2000 AND RULES MADE THEREUNDER AND THE AMENDED PROVISIONS PERTAINING TO ELECTRONIC DOCUMENTS / RECORDS IN VARIOUS STATUTES AS AMENDED BY THE INFORMATION TECHNOLOGY ACT, 2000. THESE TERMS DOES NOT REQUIRE ANY PHYSICAL, ELECTRONIC OR DIGITAL SIGNATURE.

Please note that your browsing, accessing, downloading, and/or using AIIONGOLD Platform are subject to the terms and conditions stated herein; if You do not agree to any or all of the following terms and conditions, You should not use or access the AIIONGOLD Platform and/or AIIONGOLD Platform Services in any manner.

DEFINITIONS
  1. “We”, “Us”, “Our”, “Company” - refer to Bingold Pte. Ltd. and its Group Entities.
  2. “You”, “Yours”, “Yourself”, “User”, “AIIONGOLD User” - refers to any individual, nonindividual or corporate body.
  3. “Group Entities” - shall mean affiliates, holding and subsidiaries of Bingo Singapore Pte. Ltd. (“BingoSG”) i.e., Bingo Singapore Pte. Ltd. (“BingoSG”) and AIIONGOLD.
    “Government Authority”

    shall mean any national, state, local, provincial, municipal, district or other sub-division governmental authority, statutory authority including Securities and Exchange Board of India (SEBI), Reserve Bank of India (RBI), Insurance Regulatory Development Authority of India (IRDAI), CDSL, government department, administrative authority including (Indian) stock exchange such as NSE, BSE, commission, board, tribunal or court or other law, rule or regulation making entity or competent authority.

“AIIONGOLD Platform”

shall mean and include Mobile App and Website under brand names AIIONGOLD owned, operated, and managed, by BingoSG and licensed to, utilized by its Group Entities.

“AIIONGOLD Platform Services” -

“AIIONGOLD Platform Services” - shall include services and products offered via AIIONGOLD Platform including but not limited to Investment Advisory Services, distribution of Mutual Funds, connector services for US Stocks, facilitating in Fixed Deposits, corporate agent for Insurance, acting as digital lending platform, facilitating in digital savings account, Indian Stocks brokerage, mini save, tracking of your investments such as mutual funds, and expenses such as credit card bills etc.

“Third Party Service Provider(s)” means and includes company, vendors, business partners, banks & financial institutes or any such entity whose facilities are used by Company(s) to provide the various services including AIIONGOLD Platform Services to Users through the AIIONGOLD Platform.

“Terms” or “Terms and Conditions”- are interchangeably used and shall have the same meaning.

You hereby understand that, the specific products / services availed by You may have their own additional / supplemental terms and conditions as available on AIIONGOLD Platform and You unequivocally grant Your consent to abide and remain compliant with the said additional / supplemental terms and conditions. When You use any of the AIIONGOLD Platform Services provided on the AIIONGOLD Platform, You shall also be subjected to comply with applicable law(s), rule(s), guideline(s), notification(s), circular(s), or such other directive(s) issued by applicable Government Authority.

You acknowledge and understand that these Terms and Conditions along with additional / supplemental terms and conditions of AIIONGOLD Platform Services shall be read harmoniously. Company reserves right change / amend / modify these Terms or the additional / supplemental terms and conditions applicable to AIIONGOLD Platform services offered on the AIIONGOLD Platform at any time, without notice.

TERMS AND CONDITIONS

By registering on AIIONGOLD Platform and/or accessing the AIIONGOLD Platform Services, you agree, declare and represent that:

SERVICES:
CONFIDENTIALITY

You acknowledge that, in the course of Your relationship with Company and in using the services, you may obtain information relating to the services and/or Company (“Proprietary Information”). Such Proprietary Information shall belong solely to Company and includes, but is not limited to, the features and mode of operation of the Services, trade secrets, know-how, inventions (whether or not patentable), techniques, processes, programs, ideas, algorithms, schematics, testing procedures, software design and architecture, computer code, internal documentation, design and function specifications, product requirements, problem reports, analysis and performance information, benchmarks, software documents, and other technical, business, product, plans and data. In regard to this Proprietary Information:

USE AND PROTECTION OF INTELLECTUAL PROPERTY RIGHTS

AIIONGOLD Platform is protected by copyright, trademarks, patents, trade secret and/or other relevant intellectual property laws. No information, content or material from AIIONGOLD Platform may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way without Company's express written permission. You are hereby given a limited licence to use the AIIONGOLD Platform for your personal and non-commercial use, subject to your agreement of these Terms. You agree not to sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make unauthorized use of the AIIONGOLD Platform.

Privacy

You agree that during your use and access of the AIIONGOLD Platform and/or availing of the services offered by the AIIONGOLD Platform, you will provide Us with certain information and other data as mentioned under these Terms herein which may or may not be otherwise publicly available. Please note that We respect the privacy and confidentiality of such data and the provisions pertaining to such private information and data as provided by You under these Terms, are governed under the AIIONGOLD Platform’s Privacy Policy which is available at . By using and visiting the AIIONGOLD Platform and availing AIIONGOLD Platform Services, you also agree to our Privacy Policy and the information provided on the AIIONGOLD Platform shall be shared within our Group Entities and business partners.

LIMITATION OF LIABILITY, INDEMNITY, AND WARRANTY

In no event shall Company or its directors, employees, associates, partners, or suppliers will be liable to you for any loss or damage that may cause or arise from or in relation to these terms and conditions or due to use of this AIIONGOLD Platform or due to investments made using this AIIONGOLD Platform or availing any product or services from any third-party service provider.

You agree to indemnify Company or its directors, employees, associates, partners or suppliers for all the liabilities (including claims, damages, suits or legal expenses in defending itself in relation to the foregoing) arising due to (i) use or misuse of the AIIONGOLD Platform (ii) non-performance and/or non-observance of the duties and obligations under these terms and conditions

You warrant that all the details and information provided by you to Company or its directors, employees, associates, partners, or suppliers while using this AIIONGOLD Platform (including for the purposes of carrying out investments) shall be updated, correct, accurate, complete and genuine.

You shall be solely responsible for any investment decision taken by You on the Services and Company shall not be liable for any loss or damage caused to you or other users of this AIIONGOLD Platform due to such investment decision, or any kind of reliance upon it. You expressly agree that use of the AIIONGOLD Platform is at your sole risk.

To the fullest extent permissible pursuant to applicable law, Company and its directors, employees, associates, third-party partners or suppliers disclaim all warranties or guarantees – whether statutory, express or implied – including, but not limited to, implied warranties of merchantability, fitness and non-infringement of proprietary rights. No advice or information, whether oral or written, obtained by you from Company or through the AIIONGOLD Platform will create any warranty or guarantee other than those expressly stated herein.

CONSIDERATIONLIMITATION OF LIABILITY, INDEMNITY, AND WARRANTY

The usage of the AIIONGOLD Platform is entirely free however the Company have the right to charge its Users a fee for availing advisory services and/or other fees, as applicable for any specific product / services been offered on AIIONGOLD Platform. The applicable fees will be made available at the time of registration and/or on its applicability and/or under the relevant product / services section. Company may change fee structure as it determines in its sole discretion from time to time and notice regarding the same shall be intimated to you adequately in advance prior to such change in fee structure. All charges and fees shall be exclusive of taxes and all Government taxes including but

not limited to GST shall be payable by you. Please note the charges / fees applicable shall be nontransferable, non-refundable and non-cancellable in nature.

SHIPPING POLICY

The users are hereby notified that all or any of the information (such as: Acknowledgement of Mutual fund booked; soft copy of insurance policy document; copy of provisional fixed deposit receipts, invoices pertaining to services such as membership services, advisory services, withdrawal charges, stock broking trade receipts, contract notes, margins statements (at pre-defined frequency) etc.) pertaining to the products purchased via AIIONGOLD Platform will be delivered to them on their registered email id. If required or mandated under applicable law, Company may be required to dispatch certain documents physically to Your registered address. You agree to always keep Your personal information up to date to avoid any chances of non-delivery of information and that Company shall be entitled to act upon most recent details furnished by You.

DISCLAIMERS

THE USER AGREES AND UNDERSTANDS THAT THE AIIONGOLD PLATFORM IS PROVIDED BY US ON AN “AS IS” AND “AS AVAILABLE” BASIS AND WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE AIIONGOLD PLATFORM OR THE INFORMATION, CONTENT INCLUDED ON THE AIIONGOLD PLATFORM. YOU EXPRESSLY AGREE THAT YOUR USE OF THE AIIONGOLD PLATFORM IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE AIIONGOLD PLATFORM, ITS SERVERS, OR EMAIL/ OTHER COMMUNICATION SENT FROM THE AIIONGOLD PLATFORM ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE AIIONGOLD PLATFORM, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES. ALL INVESTMENTS ARE SUBJECT TO MARKET RISKS. READ ALL SCHEME RELATED THINGS CAREFULLY. PAST PERFORMANCE IS NOT AN INDICATOR OF FUTURE RETURNS. ALL INTERACTION, COMMUNICATION, DEALING, OR TRANSACTION BETWEEN THE USERS AND THE THIRD-PARTY PROVIDER IN RESPECT OF ANY PRODUCTS/SERVICES OFFERED BY THE THIRD-PARTY PROVIDER IS A SEPARATE AND INDEPENDENT TRANSACTION BETWEEN THE USER AND SUCH THIRDPARTY PROVIDER WITHOUT ANY LIABILITY ACCRUING TO OR ON US FOR ANY MATTERS ARISING OUT OF OR IN RELATION TO THE SAME. THE USER EXPRESSLY AGREES AND ACKNOWLEDGES TO HOLD HARMLESS US IN RESPECT OF ANY COST, CLAIMS, DAMAGE, LOSS OR EXPENSES ACCRUED, SUFFERED, INCURRED BY US OR ANY THIRD PARTY ARISING OUT OF OR IN CONNECTION WITH ANY SUCH COMMUNICATION, INTERACTION, DEALINGS AND TRANSACTIONS BETWEEN THE USER AND THIRD-PARTY PROVIDERS. THE USER ACKNOWLEDGES THAT WE DO NOT HAVE ANY CONTROL OVER SUCH DEALINGS AND TRANSACTIONS AND PLAYS NO DETERMINATIVE ROLE IN THE PERFORMANCE IN RESPECT OF THE SAME AND WE SHALL NOT BE LIABLE FOR THE OUTCOMES OF SUCH COMMUNICATION, INTERACTION, DEALINGS AND TRANSACTIONS BETWEEN THE USERS AND THE THIRD-PARTY PROVIDERS. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRDPARTY PROVIDER IN ANY MANNER AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR ANY TRANSACTION BETWEEN YOU AND SUCH PARTY PROVIDER. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM THROUGH SUCH THIRD-PARTY PROVIDER, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE. THE LOGOS/ TRADEMARKS ADVERTISED IN THE PLATFORM ARE THE PROPERTY OF RESPECTIVE

TRADEMARK OWNERS AND BY DISPLAYING IT HAS NO RIGHT, TITLE, INTEREST OVER IT. THE USER EXPRESSLY AGREES THAT BINGOSG IS NOT LIABLE OR RESPONSIBLE AND DOES NOT REPRESENT OR WARRANT FOR ANY DAMAGES / ANY LOSS OF INTEREST AND/ OR OPPORTUNITY LOSS AND /OR ANY LOSS ARISING DUE TO MOVEMENT OF NET ASSET VALUE (NAV), NOTIONAL OR OTHERWISE DUE TO NON-EXECUTION OF ORDERS OR ANY INCORRECT EXECUTION OF ORDERS WITH REGARD TO THE MUTUAL FUNDS CHOSEN BY THE USER DUE TO, BUT NOT BEING LIMITED TO, ANY LINK/SYSTEM FAILURE, SUFFICIENT/INSUFFICIENT FUNDS IN THE USER’S BANK ACCOUNT WHICH MAY OCCUR AT USER’S END. MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY. THIS IS IN NO WAY TO BE CONSIDERED AS AN ADVICE OR RECOMMENDATION. MUTUAL FUNDS TRANSACTION FACILITATION SERVICES ARE PROVIDED BY BINGOLD PTE. LTD. IN PARTNERSHIP WITH BSE STAR MF PLATFORM. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RETURNS. PERFORMANCE AND RETURNS OF ANY INVESTMENT PORTFOLIO CAN NEITHER BE PREDICTED NOR GUARANTEED. MUTUAL FUND INVESTMENTS ARE NOT EXCHANGE TRADED SERVICES. BINGO SINGAPORE PTE. LTD. ACTS IN THE CAPACITY OF FACILITATOR OF THIS PRODUCT. BINGOSG IS ONLY PROVIDING TECHNOLOGY SERVICES AND ALL DISPUTES WITH RESPECT TO MUTUAL FUND INVESTMENTS WOULD NOT HAVE ACCESS TO INVESTOR REDRESSAL OR ARBITRATION MECHANISM IN INDIA. BINGOSG ACCEPT NO LIABILITIES FOR ANY LOSS OR DAMAGE OF ANY KIND ARISING OUT OF ANY ACTION BY THE USER.

FORCE MAJEURE

If the whole or any part of the performance is prevented, hindered or delayed by a Force Majeure event (as defined below), Company shall not be liable for any failure to perform any of its obligations under these terms and conditions or those applicable specifically to its services/facilities, and in such case its obligations shall be suspended for so long as the Force Majeure event continues. “Force Majeure Event” means any event, due to any cause beyond the reasonable control of Company, including without limitations, unavailability of any communication systems, breach, or virus in the digital processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, lockdown, computer hacking, unauthorised access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication etc.

SEVERABILITY

All illegality, invalidity or unenforceability of any provision of these Terms under the law of any jurisdiction will not affect its legality, validity or enforceability under the law of any other jurisdiction nor the legality, validity or enforceability of any other provision.

WAIVER

No failure on the part of any party to exercise, and no delay on its part in exercising any right or remedy under this Agreement will operate as a waiver thereof, nor will any single or partial exercise of any right

ASSIGNMENT

You agree that we may transfer, subcontract or otherwise deal with our rights and/or obligations under these terms at any time without any further notice. You agree that you cannot assign or otherwise transfer, subcontract the terms or any rights granted hereunder to any party.

DISPUTE RESOLUTION

Any dispute, controversy, claims or disagreement of any kind whatsoever between the parties in connection with or arising out of this Agreement shall be referred for arbitration, to a sole arbitrator appointed by Company, through arbitration to be conducted in accordance with the Arbitration and Conciliation Act, 1996. The seat and venue of such arbitration shall be at New Delhi, India. All proceedings of such arbitration, including, without limitation, any awards, shall be in the English language. The award shall be final and binding on the parties

GOVERNING LAWS

These Terms shall be governed, interpreted, and construed in accordance with the laws of India, without regard to the conflict of law provisions and for resolution of any dispute arising out of your use of the Services or in relation to these Terms. Notwithstanding the foregoing, you agree that (i) Company has the right to bring any proceedings before any court/forum of competent jurisdiction and you irrevocably submit to the jurisdiction of such courts or forum; and (ii) any proceeding brought by you shall be exclusively before the courts in New Delhi, India.

ENTIRE AGREEMENT

These Terms, together with the other laws, guidelines, rules, (additional / supplemental) terms & conditions and/or policies of the AIIONGOLD Platform, including the Privacy Policy and any other arrangement/agreement in relation the Services, including the Advisory Agreement (applicable to advisory clients), constitute the entire agreement between the User and the Us and supersede all previous agreements, promises, proposals, representations, understandings and negotiations, whether written or oral, between the User and Us pertaining to the subject matter hereof.

SURVIVAL

Notwithstanding the termination or rescission of this Agreement, the provisions of this Agreement shall continue to apply to those duties and obligations which are intended to survive any such cancellation, termination or rescission, including, without limitation clauses related to Limitation of liability, Indemnity, Warranty, Intellectual Property, Confidentiality, Dispute Resolution, Governing Law and Jurisdiction. Further any provisions of this Agreement which by implication are to survive the termination of this Agreement shall survive such termination. Termination of the Agreement shall not abate the causes of action that have accrued to the parties prior to such termination.

USER SUPPORT

Company shall provide assistance and co -ordinate with the Users in case of any issues / queries raised by the User and shall resolve the queries on the best effort basis. The User can address their queries by writing and delivering their concern via email to support@aiiongold.com or any updated email address displayed under the Customer Service page (AIIONGOLD )on the AIIONGOLD Platform.

MODIFICATION OF TERMS

Company reserves the right to change, amend, or modify, from time to time, any provision related to the AIIONGOLD Platform (including AIIONGOLD Platform Service(s)) or these Terms, which also

include, changing of the extent and scope of the services and/or include any other category, service, facility or feature within the term ‘AIIONGOLD Platform Service’, at the sole discretion of the Company. Any such change(s) shall be effective immediately upon the posting of revised Terms and may be notified via AIIONGOLD Platform. You can determine when these Terms were last revised by referring to ‘LAST UPDATED’ at the top of these Terms. By using the services provided through this AIIONGOLD Platform, you shall be deemed to have accepted the Terms herein including the amended Terms published on the AIIONGOLD Platform from time to time. Your continued use of the AIIONGOLD Platform following the posting of changes means that you accept and agree to the changes. If you do not agree with any such change, your sole and exclusive remedy is to terminate your use of the AIIONGOLD Platform. It is, further, clarified that the User’s use and access of the AIIONGOLD Platform/Service(s) is subject to the most recent version of these Terms made available on the AIIONGOLD Platform at the time of such use.