Diversifi — Terms of Service

Effective Date: 1 March 2026 Last Updated: 1 July 2026

This document is an electronic record under the Information Technology Act, 2000 and the rules made thereunder, as amended from time to time. It is generated by a computer system and does not require any physical or digital signature.

These Terms of Service (also referred to as "Terms", "Terms & Conditions" or "Terms of Use") govern your access to and use of the Diversifi website, mobile application(s) and related online services (collectively, the "Platform") and the services made available through them (the "Services").

The Platform and Services are owned and operated by Diversifi Investment Advisory Private Limited (formerly Diversifi Labs Private Limited), a company incorporated under the Companies Act, 2013 (CIN: U63111KA2025PTC200024), having its registered office at 24, 2nd Cross, BDA Layout, Sy No. 52, Tavarekere, Bangalore, Karnataka 560029, India ("Diversifi", "Company", "we", "our" or "us").

Diversifi (or its relevant entity, as disclosed on the Platform) is registered with the Securities and Exchange Board of India ("SEBI") as a Non-Individual Investment Adviser (SEBI Registration No. INA000021711). Please read the full regulatory disclosures in Section 9.

PLEASE READ THESE TERMS AND OUR PRIVACY POLICY CAREFULLY BEFORE USING THE PLATFORM. By accessing, browsing, registering on or using the Platform or Services, or by clicking "I Agree" (or a similar affirmation), you confirm that you have read, understood and agree to be legally bound by these Terms and the Privacy Policy, which is incorporated into these Terms by reference. If you do not agree, you must not access or use the Platform or Services.

Where you avail of personalised investment advisory Services, you will additionally be required to enter into and acknowledge a separate Investment Advisory Agreement containing the Most Important Terms and Conditions ("MITC") prescribed by SEBI. Those documents govern the advisory relationship and prevail over these Terms to the extent of any conflict in relation to the advisory Services.

1. Definitions

In these Terms, unless the context requires otherwise:

• "Account" means the account you create on the Platform to access the Services.
• "Applicable Law" means all applicable Indian statutes, regulations, rules, circulars, notifications, guidelines and directions in force from time to time, including those of SEBI, the Reserve Bank of India ("RBI"), and any other competent authority.
• "Content" means all information, data, text, software, graphics, analytics, reports, recommendations and other materials made available on or through the Platform.
• "Investment Advice" has the meaning given to it under the SEBI (Investment Advisers) Regulations, 2013, as amended ("IA Regulations").
• "Personal Data" / "Personal Information" has the meaning given in our Privacy Policy and Applicable Law.
• "Alerts" (also referred to as "Insights & Alerts") means the general, model-generated outputs made available on the Platform — including scores, signals, ratings, rankings, action labels (such as add, hold, trim or exit) and accompanying rationales — generated by our proprietary quantitative and AI models from market, securities and your-provided data. Alerts are made available generally, on an informational basis, are not tailored to or assessed for suitability against any User's individual risk profile, and do not constitute personalised Investment Advice (see Section 4).
• "Recommendations" means personalised Investment Advice — advice given with reference to, and assessed for suitability against, your individual risk profile — provided under the advisory Service described in Section 4.1. The advisory Service is not currently offered and, when launched, will be a separate, opt-in, paid subscription requiring KYC and a risk-profiling exercise.
• "Third-Party Service Provider" means any third party (including brokers, data providers, technology and analytics providers) whose services are used to provide, or are made available through, the Platform.
• "User", "you" or "your" means any person who accesses or uses the Platform or Services.

2. Eligibility

To register for and use the Platform and Services, you represent and warrant that you:

1. are an individual 18 years of age or older;
2. are competent to enter into a legally binding contract under the Indian Contract Act, 1872, and are not disqualified from doing so under any Applicable Law;
3. are a resident of India for tax purposes and hold a valid Indian mobile number;
4. are accessing the Platform for your own personal, non-commercial use; and
5. will provide true, accurate, current and complete information.

The Services are not intended for, and may not be used by, persons under the age of 18. We do not knowingly permit minors to create an Account (see our Privacy Policy for how we handle children's data).

We may, in our sole discretion and to the extent required by Applicable Law, verify your eligibility and refuse, suspend or terminate access where eligibility criteria are not met.

3. The Platform and the Services

Diversifi is a technology-led investment analytics and advisory platform. Depending on the features enabled for you, the Services may include:

1. ingesting and displaying your investment portfolio (for example, your equity, ETF and mutual fund holdings), net worth view, and portfolio performance and analytics;
2. portfolio diversification and concentration analytics, risk metrics and related insights;
3. general, model-generated Insights & Alerts — including scores, signals, ratings, rankings and action labels (such as add, hold, trim or exit) on securities, together with accompanying rationales — generated using our proprietary quantitative models and artificial intelligence / automated tools, made available on an informational basis and not tailored to, or assessed for suitability against, your individual risk profile;
4. AI-assisted research summaries, narratives and conversational ("chat") features; and
5. such other features as we may introduce from time to time.

Advisory Service (not currently offered). Personalised Investment Advice — security-specific Recommendations given with reference to, and assessed for suitability against, your individual risk profile — is not currently offered. We intend to introduce it later as a separate, opt-in, paid advisory subscription, which will require KYC, a risk-profiling exercise and your acceptance of a separate Investment Advisory Agreement and MITC (see Section 4.1). Until then, the Platform provides Insights & Alerts and analytics only, on a general, non-advisory basis.

We may add, modify, suspend or discontinue any feature of the Platform or Services, in whole or in part, at any time, with or without notice, subject to Applicable Law and to our obligations to you under any Investment Advisory Agreement.

Read-only access. Where you connect a brokerage or other account, Diversifi accesses your holdings on a read-only basis to provide the Services. Diversifi does not place, execute or settle trades on your behalf and does not take custody of your funds or securities. All investment decisions and their execution remain solely with you.

4. Nature of our Content: Insights & Alerts vs. Investment Advice

The Platform offers two distinct categories of Content, which are governed differently:

• (a) Insights & Alerts (non-advisory) — what the Platform provides today. General, model-generated and informational outputs — such as market and securities data, news, educational material, screeners, scores, rankings, ratings, signals, action labels (such as add, hold, trim or exit) and similar outputs — made available generally, on a non-personalised basis, and not tailored to, or assessed for suitability against, any User's individual risk profile. This Content is provided for information and educational purposes only and does not constitute investment advice or a recommendation to buy, sell or hold any security, unless it is expressly identified within the Platform as personalised Investment Advice. Your use of this category is governed by Supplemental Terms — Section A below.
• (b) Investment Advice (advisory) — not currently offered. Personalised Recommendations given with reference to, and assessed for suitability against, your individual risk profile, in our capacity as a SEBI-registered Investment Adviser. This is not currently offered and, when launched, will be a separate, opt-in, paid advisory subscription governed by Section 4.1, the regulatory disclosures in Section 9, and your separate Investment Advisory Agreement and MITC.

Not advice unless expressly identified. Nothing made available on the Platform constitutes personalised Investment Advice or a recommendation to buy, sell or hold any security unless it is expressly identified within the Platform as personalised Investment Advice provided under the advisory Service in Section 4.1. All Insights & Alerts are general in nature; you should treat them as one input for your own research and make your own decisions. To the extent that any output is nonetheless determined to constitute Investment Advice under Applicable Law, it is provided by Diversifi in its capacity as a SEBI-registered Investment Adviser, and we do not disclaim accountability for it on the basis that it was labelled an "alert", "insight" or "signal" or was generated by automated systems.

4.1 SEBI Advisory Acknowledgments

The following acknowledgments apply to the advisory Service described in category (b) above (personalised Investment Advice). This Service is not currently offered; where and when you opt in to it, those Recommendations will constitute personalised Investment Advice under the IA Regulations, and by opting in you will acknowledge and agree that:

1. Personalised advice. Recommendations are personalised Investment Advice from a SEBI-registered Investment Adviser, based solely on the information and portfolio data you provide and on your completed risk profile, which you must complete and consent to before receiving advice.
2. Suitability. Recommendations are assessed for suitability against your risk profile. If the information you provide is inaccurate, incomplete or out of date, the Recommendations may be unsuitable, and you are responsible for keeping your information current.
3. Fiduciary, fee-only. We act in a fiduciary capacity. We follow a fee-only model and do not earn commissions on the products we advise on; our advisory activity is segregated at the client level from any distribution activity, as required by the IA Regulations.
4. No guarantee of returns. Investments in securities markets are subject to market risks. There is no assurance or guarantee that any objective or target will be achieved, and no Recommendation guarantees any return. Past performance is not indicative of future results.
5. Human oversight. Personalised Investment Advice is provided by Diversifi as a SEBI-registered Investment Adviser through its qualified personnel (persons associated with investment advice). While we use quantitative models and artificial intelligence / automated systems to support our research and analysis, such personalised advice is subject to the oversight of our investment adviser personnel. We remain responsible for our advisory Services and do not disclaim accountability for them on the basis that models or automated systems were used.
6. Decisions and execution are yours. You are solely responsible for your investment decisions and their execution. We will not execute any transaction without your specific and positive consent for that transaction, and we do not provide any execution Services unless and until separately offered and agreed.
7. Governing documents. You have read and understood the Investment Advisory Agreement, the MITC, and the regulatory disclosures that apply to the advisory Services.
8. KYC. You consent to the completion and processing of your "Know Your Client" (KYC) requirements, including through a SEBI-registered KYC Registration Agency (KRA) where applicable, and to the retention of advisory records as required by Applicable Law.

Diversifi does not provide legal, accounting, tax or estate-planning advice. You should obtain independent professional advice before making any investment, withdrawal or other financial decision.

4.2 AI Assistant / Chat

The Platform includes an AI-powered chat / conversational assistant and other AI-generated content. These are general research and information tools that form part of the Insights & Alerts (category 4(a)) features and do not provide personalised Investment Advice. Your use of these features is governed by Supplemental Terms — Section B below.

5. Registration, Account and Security

1. Registration. You register by verifying your mobile number through a one-time password ("OTP") and providing the information we request from time to time. You are responsible for the accuracy of the information you provide.
2. Account security. You are responsible for maintaining the confidentiality of your Account and login credentials (including OTPs and any device used to access the Account) and for all activity that occurs under your Account. You must notify us immediately of any unauthorised use or suspected breach of security.
3. Liability for misuse. We are not liable for any loss arising from unauthorised use of your Account where such use results from your failure to safeguard your credentials or device. Your Account is personal to you and is non-transferable.
4. Accuracy. We may suspend or terminate your Account if any information you provide is found to be false, inaccurate, incomplete or in breach of these Terms or Applicable Law.

6. Connecting Your Portfolio and Data Sources

You may provide your portfolio information to the Platform through methods we make available, which currently may include: (a) manual entry; (b) uploading a holdings file (for example, a CSV export from your broker); (c) uploading screenshots of your holdings; and (d) connecting a brokerage account through a third-party gateway or broker API (for example, the smallcase gateway or a broker's authorised connection).

You acknowledge that:

1. by connecting an external account or uploading data, you authorise us and our Third-Party Service Providers to access and retrieve the relevant holdings and account information needed to provide the Services, on a read-only basis;
2. the accuracy and completeness of the Services depend on the accuracy and completeness of the data you provide or connect, and we are not obliged to independently verify it;
3. third-party gateways, brokers and data sources operate under their own terms and privacy policies, which you are responsible for reviewing, and we are not responsible for their acts or omissions; and
4. you have all necessary rights and authority to provide or connect the data, and the data relates to accounts that belong to you.

Account Aggregator and bank-linking (future). Certain data-connection features (such as linking bank or financial accounts through the RBI Account Aggregator framework) are not currently offered and, if introduced, will be subject to additional consents and disclosures and to Applicable Law.

7. Fees

The Services are currently provided free of charge. We reserve the right to introduce fees for new or existing Services in the future. Any advisory fee, if introduced, will be charged strictly in accordance with the IA Regulations — that is, under one of the SEBI-permitted fee modes (a percentage of Assets under Advice, or a fixed fee, within the limits prescribed by SEBI), subject to your fresh consent and an updated Investment Advisory Agreement and MITC, and may be collected through a SEBI-recognised Centralised Fee Collection Mechanism ("CeFCoM"). We follow a fee-only, no-commission model and do not levy hidden charges. Applicable fees will be disclosed to you on the Platform before you are charged. Your bank, broker or payment provider may levy its own charges, for which we are not responsible.

8. Communications and Consent

By creating an Account, you consent to receive communications from us and persons authorised by us — including by SMS, email, push notification, WhatsApp, telephone and in-app message — in relation to your Account, transactions, security, service updates, grievances and the Services, as well as marketing and promotional communications. You agree that such communications will not constitute unsolicited communication or "spam", and that your consent overrides any registration on the National Do Not Call / Do Not Disturb registry to the extent permitted by law. You may opt out of promotional communications at any time; we may continue to send service-related and legally required communications.

9. SEBI Regulatory Disclosures and Mandatory Disclaimers

In compliance with the IA Regulations and SEBI's Advertisement Code for Investment Advisers and Research Analysts, the following disclosures and disclaimers apply to the Platform and all Content:

Investment Adviser disclosure:

Mandatory standard disclaimers (reproduced verbatim as required by SEBI):

"Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors."

"Investment in securities market are subject to market risks. Read all the related documents carefully before investing."

Diversifi does not, in any communication, promise or guarantee assured, risk-free or specific returns, use superlative claims, provide "tips", or use testimonials or endorsements in a manner prohibited by SEBI. We disclose any actual or potential conflicts of interest as required by the IA Regulations.

10. Risk Disclosures

You understand and accept that:

1. all investments carry risk, including the possible loss of principal, and the value of investments can go up as well as down;
2. analytics, metrics, projections and Recommendations are based on assumptions, models and historical and third-party data, which may be incomplete, delayed or inaccurate, and may not predict future outcomes;
3. past performance is not indicative of future results, and any returns shown are indicative and not guaranteed;
4. you should read all relevant scheme, offer and disclosure documents (such as offer documents, scheme information documents and key information memoranda) before investing; and
5. you should make your own assessment and, where appropriate, seek independent professional advice.

11. Acceptable Use and Restrictions

You agree to use the Platform only for lawful purposes and in accordance with these Terms. You will not:

1. access or use the Platform other than through the interfaces we provide, or use automated means (such as bots, scrapers or crawlers) to access the Platform;
2. copy, reproduce, sell, resell, license, sublicense, distribute, modify, reverse-engineer, decompile or create derivative works from any part of the Platform or Content, except for personal, non-commercial use as expressly permitted;
3. use the Platform for competitive benchmarking, to process data on behalf of any third party, or to build a competing product;
4. upload or transmit any content that is unlawful, infringing, malicious, or that you do not have the right to share;
5. post or disseminate, through any feature that permits user contributions, any guaranteed-return, performance, "tip" or testimonial claims, or impersonate any person or misrepresent your affiliation with us;
6. interfere with, disrupt or attempt to gain unauthorised access to the Platform, its systems or other users' accounts; or
7. use the Platform in violation of any Applicable Law, including securities laws and SEBI's advertising and finfluencer norms.

We may monitor for, and act on, suspected fraudulent, high-risk or prohibited activity, including by suspending or terminating Accounts.

12. Intellectual Property

The Platform, the Services and all Content (including software, source code, models, analytics, text, graphics, logos, trademarks and reports), other than your data, are owned by or licensed to Diversifi and are protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for your personal, non-commercial use, subject to these Terms. No other rights are granted. You retain ownership of the data you provide ("User Data"), and you grant us a non-exclusive, worldwide, royalty-free licence to process User Data to provide, maintain and improve the Services and to comply with our legal and regulatory obligations, as described in our Privacy Policy. We may use anonymised and aggregated data (which does not identify you) for analytics, research, benchmarking and other lawful business purposes. Any feedback or suggestions you provide may be used by us without restriction or obligation to you.

13. Third-Party Services and Links

The Platform may rely on, integrate with, or link to services, websites or content provided by Third-Party Service Providers (such as brokers, data providers, technology, analytics and communication providers). We do not control and are not responsible for the products, services, content, terms or privacy practices of any third party. Your interactions with, and use of, any third-party service are at your own risk and may be governed by that third party's own terms and policies, which you should review.

14. Data Protection and Privacy

Our collection, use, storage, sharing and protection of your Personal Data is described in our Privacy Policy, which forms part of these Terms. By using the Platform, you consent to such processing in accordance with the Privacy Policy and Applicable Law, including the Digital Personal Data Protection Act, 2023 and the rules thereunder.

15. Disclaimers of Warranties

Except as expressly required by Applicable Law or under any Investment Advisory Agreement, the Platform and Services (other than any regulated advisory Service, which — when and if offered — we provide subject to our duties as a SEBI-registered Investment Adviser) are provided on an "as is" and "as available" basis. To the maximum extent permitted by Applicable Law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, uninterrupted or error-free operation, and security. We do not warrant that the Platform will be free of bugs, viruses, interruptions or errors, and you are advised to use your own protective measures. Nothing in this Section limits our obligations or your rights under the IA Regulations or other Applicable Law.

16. Limitation of Liability

To the maximum extent permitted by Applicable Law, and subject to our obligations as a SEBI-registered Investment Adviser and any non-excludable rights you have under Applicable Law (including the Consumer Protection Act, 2019):

1. in no event will Diversifi or its directors, officers, employees, agents, licensors or Third-Party Service Providers be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, data, goodwill or investment value, however arising;
2. without limiting the acknowledgments in Section 4, we will not be liable for losses arising from: delays or rejections at any bank, broker, gateway, registrar or asset management company; processing of instructions authenticated by your credentials; unavailability of the Platform or third-party systems; inaccuracies or errors in third-party data; or your reliance on Content in a manner inconsistent with these Terms; and
3. our aggregate liability arising out of or relating to the Platform and Services will not exceed the greater of (a) the total fees (if any) paid by you to Diversifi in the twelve (12) months preceding the event giving rise to the claim, and (b) ₹1,000 (Indian Rupees One Thousand only).

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under Applicable Law, including liability for fraud or gross negligence.

17. Indemnity

You agree to indemnify, defend and hold harmless Diversifi and its directors, officers, employees, agents and licensors (collectively, the "Indemnified Parties") from and against any claims, demands, losses, liabilities, damages, costs and expenses (including reasonable legal fees) arising out of or relating to: (a) your use of the Platform or Services; (b) your breach of these Terms or any Applicable Law; or (c) any inaccuracy, misrepresentation, fraud or negligence in the information or data you provide. This provision survives termination of these Terms.

18. Term, Suspension and Termination

1. These Terms are effective from the date you first accept them and continue until terminated.
2. You may stop using the Services at any time and may request closure or deletion of your Account through the Platform or by contacting us.
3. We may suspend or terminate your Account or access, with or without notice, for: breach or suspected breach of these Terms or Applicable Law; false or incomplete information; abusive, fraudulent or unlawful conduct; or as required by a regulator or competent authority.
4. On termination, the licences granted to you cease. We will continue to retain certain records (including your advisory records) as required by SEBI and other Applicable Law, as described in our Privacy Policy, and will continue to honour our regulatory obligations to you in respect of advice already provided.
5. Provisions which by their nature should survive termination (including Sections 4, 9, 12, 15, 16, 17, 19 and 20) will survive.

19. Grievance Redressal and Dispute Resolution

We are committed to addressing your concerns promptly. Please use the following channels:

Level 1 — Diversifi (Investment Adviser / Grievance Officer). In compliance with the Information Technology Act, 2000 and the rules thereunder, the SEBI IA Regulations, the Consumer Protection Act, 2019, and the Digital Personal Data Protection Act, 2023, our designated Grievance Officer is:

Grievance Officer: Rishabh KhannaEmail: developer@diversifi.inPhone: 8882291490Address: 24, 2nd Cross, BDA Layout, Sy No. 52, Tavarekere, Bangalore, Karnataka 560029, India

We will acknowledge complaints within the timelines required by Applicable Law (generally within 24 hours under the IT Rules, 2021) and endeavour to resolve them within 15 days under the IT Rules, 2021 and, for investment-advice-related grievances, within 21 days as required by SEBI.

Level 2 — SEBI SCORES. If you are not satisfied with our response, you may lodge a complaint with SEBI through the SCORES portal at https://scores.sebi.gov.in.

Level 3 — Online Dispute Resolution (ODR). Unresolved disputes relating to the securities market may be referred to online conciliation and/or arbitration through the SEBI SMART ODR portal at https://smartodr.in.

We display our investor complaints data in the format and at the frequency prescribed by SEBI.

Arbitration (non-securities disputes). Subject to the SEBI grievance and ODR mechanisms above (which govern securities-market and advisory disputes), any other dispute arising out of or in connection with these Terms that the parties cannot amicably resolve within 30 days may be referred to arbitration by a sole arbitrator under the Arbitration and Conciliation Act, 1996. The seat and venue of arbitration will be Bengaluru, India, and the language will be English.

20. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of India, without regard to conflict-of-laws principles. Subject to Section 19, the courts at Bengaluru, Karnataka will have exclusive jurisdiction.

21. Force Majeure

We will not be liable for any failure or delay in performing our obligations to the extent caused by events beyond our reasonable control, including acts of God, natural disasters, fire, flood, epidemic or pandemic, war, terrorism, riot, civil unrest, strikes, government action or restrictions, power, internet or telecommunication failures, system or network outages, cyber-attacks, hacking, or malicious code ("Force Majeure Event"). Our obligations will be suspended for the duration of the Force Majeure Event, and we will use reasonable efforts to resume performance.

22. Changes to these Terms

We may modify these Terms at any time. When we do, we will revise the "Last Updated" date above and, where required, notify you through the Platform or by other means. Changes are effective on posting (or as otherwise stated). Your continued use of the Platform after changes take effect constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically. If you do not agree to the changes, you must stop using the Platform.

23. Miscellaneous

1. Assignment. You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms (in whole or in part) to an affiliate or in connection with a merger, acquisition, reorganisation or sale of assets, subject to Applicable Law.
2. Severability. If any provision is held invalid or unenforceable, it will be modified to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
3. Waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
4. Entire Agreement. These Terms, together with the Privacy Policy and (where applicable) the Investment Advisory Agreement and MITC, constitute the entire agreement between you and us regarding the Platform and Services and supersede all prior understandings. In case of conflict in respect of the advisory Services, the Investment Advisory Agreement and MITC prevail.
5. Notices. We may give notices to you through the Platform or to your registered email or mobile number. Notices to us must be sent to the contact details in Section 24.

24. Contact Us

Diversifi Investment Advisory Private Limited (formerly Diversifi Labs Private Limited) Registered Office: 24, 2nd Cross, BDA Layout, Sy No. 52, Tavarekere, Bangalore, Karnataka 560029, India CIN: U63111KA2025PTC200024 · SEBI RIA Reg. No.: INA000021711 Email: developer@diversifi.in Website: https://diversifi.in (also available as the Diversifi mobile app on the Apple App Store and Google Play Store)

Supplemental Terms — Section A: Insights & Alerts (Non-Advisory Content)

These Supplemental Terms apply in addition to the main Terms whenever you access or use the Insights & Alerts features of the Platform (Content category 4(a)). By using these features, you accept these Supplemental Terms.

1. Scope. Insights & Alerts may include market and securities data, prices, news, charts, screeners, model-generated rankings, ratings and signals, watchlists, educational articles, and similar general content. This Content is made available generally and is not tailored to your individual circumstances, holdings, suitability or risk profile.

1. Not investment advice. Nothing in the Insights & Alerts Content constitutes investment advice, a research report, or a recommendation or solicitation to buy, sell or hold any security, unless it is expressly identified within the Platform as personalised Investment Advice (in which case Section 4 and the advisory framework apply). You should use this Content only as one input for your own research and should make your own assessment and, where appropriate, seek advice from a SEBI-registered Investment Adviser or other professional before acting.

1. No guarantee; data limitations. Insights & Alerts are generated from proprietary models and from your-provided and third-party data, which may be incomplete, delayed or inaccurate. We make no representation or warranty as to their accuracy, completeness, timeliness or reliability, and any rankings, ratings, signals or indicative figures (including any returns) are not guaranteed and are not a promise of performance. Past performance is not indicative of future results.

1. No liability for reliance. To the maximum extent permitted by Applicable Law, we are not liable for any loss arising from your reliance on Insights & Alerts Content used otherwise than as personalised Investment Advice. The disclaimers and limitations in Sections 10, 15 and 16 apply.

1. Not advice unless expressly identified. Insights & Alerts are general in nature and are not personalised Investment Advice unless expressly identified as such within the Platform (see Section 4). To the extent any output is nonetheless determined to constitute Investment Advice under Applicable Law, it is provided by Diversifi in its capacity as a SEBI-registered Investment Adviser, as stated in Section 4.

1. Charges. Insights & Alerts are currently provided free of charge. We may introduce charges in future as described in Section 7, and any charges will be disclosed before they apply.

Supplemental Terms — Section B: AI Assistant / Chat

These Supplemental Terms apply in addition to the main Terms whenever you use the AI-powered chat / conversational assistant or other AI-generated content on the Platform. By using these features, you accept these Supplemental Terms.

1. AI outputs can be wrong. AI-generated responses may be inaccurate, incomplete, outdated or misleading, and may "hallucinate" facts or figures. They are generated by automated models from your-provided and third-party data and are not independently verified in real time. You must not rely on any AI output as a sole basis for any decision and should verify important information from primary or official sources.

1. The chat is a general research tool, not personalised advice. The chat / AI assistant provides general information, research and educational content and forms part of the Insights & Alerts (category 4(a)) features. Its responses — including responses to questions that mention securities you may hold — are general and informational, are not assessed for suitability against your risk profile, and do not constitute personalised Investment Advice or a recommendation to buy, sell or hold any security.

1. For personalised advice, the advisory Service (when launched). The chat does not replace the structured, suitability-assessed advisory Service, your risk profile, or your Investment Advisory Agreement. Personalised Investment Advice will be available only through Diversifi's separate advisory Service (Section 4.1), which is not currently offered.

1. Safety net. The chat provides general information only and is not personalised Investment Advice unless expressly identified as such (see Section 4). To the extent any AI output is nonetheless determined to constitute Investment Advice under Applicable Law, we stand behind it subject to our duties as a SEBI-registered Investment Adviser.

1. Your inputs. You are responsible for the information you enter into the chat and should not submit passwords, OTPs, or other people's personal data. How we process chat content is described in our Privacy Policy.

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