TERMS AND CONDITIONS

For AARTHVEDAA / WealthiHQ App & Website (UK + INDIA Combined Version)

1. INTRODUCTION

Welcome to WealthiHQ (the "App") operated by AARTHVEDAA ("Company", "we", "our", "us"), a company incorporated and registered in England and Wales with registered office at 22 Cannonbury Avenue, Pinner, HA5 1TS, United Kingdom. These Terms and Conditions ("Terms") govern your access to and use of our website located at https://wealthihq.com (the "Website") and the WealthiHQ mobile applications available on the Apple App Store and Google Play Store (collectively, the "Services"). By accessing, browsing, downloading, installing, or using the App or Website in any manner, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and all applicable laws and regulations. If you do not agree to these Terms in their entirety, you must immediately cease all use of the Services and uninstall the App from your devices.

2. ELIGIBILITY AND USER REPRESENTATIONS

2.1 You represent and warrant that you are at least 18 years of age and have the legal capacity to enter into a binding contract under the laws of your country of residence. 2.2 The Services are available to users located in the United Kingdom and India, including Non-Resident Indians (NRIs). Use of the Services from other jurisdictions may be subject to local laws and regulations, and you are solely responsible for compliance with such laws. 2.3 By using the Services, you represent that all information you provide is accurate, complete, and current, and you agree to update such information to maintain its accuracy. 2.4 You represent that you are not prohibited from receiving services under the laws of the United Kingdom, India, or any other applicable jurisdiction. 2.5 If you are accessing the Services on behalf of an organisation, you represent and warrant that you have the authority to bind that organisation to these Terms.

3. NATURE OF THE SERVICE AND IMPORTANT DISCLAIMERS

3.1 WealthiHQ provides the following services: Personal finance management tools and dashboards; Net worth tracking and visualisation; Financial calculators and projection tools; Goal planning and scenario analysis; Educational content and general financial information; General financial guidance using artificial intelligence and algorithmic tools. 3.2 IMPORTANT: WealthiHQ does NOT provide and you acknowledge that the Services do not constitute: (a) Regulated investment advice as defined under the UK Financial Services and Markets Act 2000 (FSMA) or the India Securities and Exchange Board of India (Investment Advisers) Regulations, 2013; (b) Recommendations to buy, sell, or hold any specific securities, cryptocurrencies, or financial products; (c) Tax advice or tax return preparation services; (d) Legal advice or services; (e) Accounting or audit services; (f) Execution of trades, money management, or brokerage services; (g) Custody, holding, or transfer of client funds or assets; (h) Regulated lending, insurance, or other financial services requiring authorization. 3.3 The tools, calculators, projections, and AI-generated content provided through the Services are for educational and informational purposes only. All outputs are estimates based on user inputs, assumptions, and historical data, and do not constitute guarantees, promises, or predictions of future performance or results. 3.4 For UK users: AARTHVEDAA is not authorised or regulated by the Financial Conduct Authority (FCA). Nothing in the Services should be construed as investment advice or a personal recommendation as defined in the FCA Handbook. 3.5 For India users: AARTHVEDAA is not registered with the Securities and Exchange Board of India (SEBI) as an investment adviser and does not provide investment advisory services as defined under SEBI regulations.

4. USER RESPONSIBILITIES AND PROHIBITED CONDUCT

4.1 You agree to use the Services only for lawful purposes and in accordance with these Terms. 4.2 You agree to provide accurate, current, and complete information when creating an account and using the Services. 4.3 You are solely responsible for maintaining the confidentiality of your account credentials, including your username and password. You agree to immediately notify us of any unauthorised access to or use of your account. 4.4 You agree not to use the Services to provide advice, recommendations, or services to third parties in a professional capacity or for commercial gain. 4.5 You agree not to engage in any of the following prohibited activities: (a) Attempting to gain unauthorised access to any portion of the Services, other users' accounts, or any systems or networks connected to the Services; (b) Reverse engineering, decompiling, disassembling, or otherwise attempting to discover the source code or underlying algorithms of the Services; (c) Using any robot, spider, scraper, or other automated means to access the Services; (d) Interfering with or disrupting the Services or servers or networks connected to the Services; (e) Impersonating any person or entity or falsely stating or misrepresenting your affiliation with any person or entity; (f) Transmitting any viruses, worms, defects, Trojan horses, or any items of a destructive nature; (g) Violating any applicable laws or regulations; (h) Collecting or storing personal data about other users without their express permission; (i) Using the Services to transmit unsolicited communications or spam; (j) Circumventing any security features or access controls of the Services. 4.6 You are responsible for ensuring that your device and internet connection meet the technical requirements to access and use the Services. 4.7 You acknowledge that you are solely responsible for all decisions made based on information obtained through the Services and that we have no liability for such decisions.

5. DATA PROTECTION AND PRIVACY

5.1 Your use of the Services is subject to our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you consent to the collection, use, and processing of your personal data as described in the Privacy Policy. 5.2 Your data is processed in accordance with: (a) The UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018 for UK users; (b) The Digital Personal Data Protection Act, 2023 (DPDP Act) for Indian users; (c) Our Privacy Policy available at https://wealthihq.com/privacy. 5.3 Data storage utilises Amazon Web Services (AWS) and Google Cloud Platform infrastructure, which may be located in the United Kingdom, European Union, India, United States, or other global regions depending on infrastructure requirements and redundancy considerations. 5.4 By using the Services, you consent to the transfer and processing of your data in accordance with the Privacy Policy and applicable data protection laws.

6. SUBSCRIPTION PLANS, PAYMENTS, AND BILLING

6.1 Certain features of the Services may require payment of subscription fees. Pricing will be displayed in British Pounds Sterling (GBP) for UK users and Indian Rupees (INR) for Indian users. 6.2 For mobile app subscriptions, all billing is processed exclusively through Apple Inc. (for iOS devices) or Google LLC (for Android devices). We do not have access to, process, or store your payment card details. All payment information is handled securely by Apple or Google in accordance with their respective terms and conditions. 6.3 Subscriptions automatically renew at the end of each billing period unless cancelled by you at least 24 hours before the renewal date through your Apple App Store or Google Play Store account settings. We cannot cancel subscriptions on your behalf. 6.4 Pricing may change from time to time. We will provide advance notice of any price changes, and such changes will apply to subsequent billing periods following your acceptance. 6.5 Refunds are subject to Apple's App Store refund policy or Google's Play Store refund policy, as applicable. AARTHVEDAA does not issue refunds directly. To request a refund, you must submit your request through the App Store or Play Store in accordance with their respective policies. 6.6 We reserve the right to modify, suspend, or discontinue any subscription plan at any time with or without notice. In the event of discontinuation of a paid subscription plan, you will retain access through the end of your current billing period. 6.7 Free trial periods, if offered, are subject to specific terms communicated at the time of enrollment. Upon expiration of a free trial, you will automatically be charged unless you cancel before the trial period ends.

7. ACCURACY OF INFORMATION, FINANCIAL CALCULATORS, AND AI-GENERATED CONTENT

7.1 The Services employ algorithms, mathematical models, and artificial intelligence to generate financial projections, calculations, and recommendations. While we strive for accuracy, you acknowledge and agree that: (a) All outputs are estimates and projections based on assumptions, user inputs, and historical data; (b) Projections are not guarantees of future performance or results; (c) Market conditions, tax laws, interest rates, inflation, and personal financial circumstances may change unpredictably; (d) Errors, inaccuracies, or omissions may occur despite our best efforts; (e) Past performance does not indicate or guarantee future results; (f) The Services may not account for all relevant factors affecting your financial situation. 7.2 You should not rely solely on the Services for significant financial decisions. We strongly recommend consulting with qualified financial advisers who are authorised by the Financial Conduct Authority (FCA) in the UK or registered with the Securities and Exchange Board of India (SEBI) when making material financial decisions. 7.3 Tax treatment depends on individual circumstances and is subject to change. The Services do not provide tax advice, and you should consult with a qualified tax professional regarding your tax obligations. 7.4 We make no representations or warranties regarding the accuracy, completeness, timeliness, or reliability of any content, data, or information provided through the Services.

8. NO INVESTMENT OR FINANCIAL ADVICE

8.1 WealthiHQ provides general information and educational content only. Nothing in the Services constitutes or should be construed as: (a) Investment advice or a recommendation to buy, sell, or hold any security, cryptocurrency, commodity, or financial instrument; (b) Tax advice or tax planning recommendations; (c) Legal advice or opinions; (d) Accounting or audit services; (e) Personal recommendations as defined under UK or Indian financial services regulations; (f) Advice or recommendations regarding specific financial products, insurance products, pension schemes, or investment strategies. 8.2 Nothing in the Services constitutes "investment advice" as defined under: (a) The UK Financial Services and Markets Act 2000 (FSMA) and related regulations; (b) The India SEBI (Investment Advisers) Regulations, 2013. 8.3 Any information provided through the Services is general in nature and does not take into account your individual financial situation, objectives, needs, risk tolerance, or personal circumstances. 8.4 You acknowledge that investment decisions carry risk and that you may lose some or all of your invested capital. You are solely responsible for evaluating the merits and risks of any financial decision. 8.5 We strongly recommend that you seek professional advice from FCA-authorised advisers (UK) or SEBI-registered advisers (India) before making any significant financial decisions.

9. LIMITATION OF LIABILITY

9.1 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AARTHVEDAA, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO: (a) Loss of profits, revenue, or income; (b) Loss of or damage to investments, securities, or financial assets; (c) Loss of data, information, or business opportunities; (d) Damage to reputation or goodwill; (e) Business interruption or downtime; (f) Inaccuracies in calculations, projections, or recommendations; (g) Decisions made in reliance on the Services; (h) Unauthorised access to or alteration of your data; (i) Cyber-attacks, security breaches, or service interruptions; (j) Any other losses or damages arising from or related to your use of the Services, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 9.2 OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT OF SUBSCRIPTION FEES ACTUALLY PAID BY YOU TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY. 9.3 IF YOU HAVE USED THE SERVICES FOR FREE WITHOUT PAYING ANY SUBSCRIPTION FEES, OUR TOTAL LIABILITY SHALL BE LIMITED TO ZERO (£0 / ₹0). 9.4 The limitations and exclusions in this Section apply to the fullest extent permitted by law and shall survive termination of these Terms. 9.5 Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, the limitations in this Section shall apply to the maximum extent permitted by law.

10. THIRD-PARTY SERVICES AND LINKS

10.1 The Services may integrate with or link to third-party services, websites, applications, or content providers, including but not limited to: Banks and financial institutions, Payment processors, Open Banking APIs, Data aggregation services, Investment platforms, Google APIs, Apple APIs, Social media platforms. 10.2 We are not responsible for and make no representations or warranties regarding: (a) The availability, accuracy, reliability, or content of third-party services; (b) The privacy practices or data security of third parties; (c) The performance or functionality of third-party integrations; (d) Any losses or damages resulting from your use of third-party services. 10.3 Your use of third-party services is governed by the terms and conditions and privacy policies of those third parties. You are solely responsible for reviewing and agreeing to such third-party terms. 10.4 Links to third-party websites are provided for convenience only and do not imply endorsement, sponsorship, or affiliation. 10.5 We may suspend or terminate third-party integrations at any time without notice.

11. INTELLECTUAL PROPERTY RIGHTS

11.1 All intellectual property rights in and to the Services, including but not limited to: Logos, trademarks, service marks, and brand names; Website design, layout, and user interface; Mobile application design and architecture; Software code, algorithms, and methodologies; Calculators, financial models, and projection tools; AI models, machine learning algorithms, and data processing techniques; Content, text, graphics, images, and multimedia; Documentation and user guides, are owned exclusively by AARTHVEDAA or its licensors and are protected by intellectual property laws including copyright, trademark, patent, and trade secret laws of the United Kingdom, India, and international treaties. 11.2 Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services solely for your personal, non-commercial use. 11.3 You may not: (a) Copy, modify, adapt, translate, or create derivative works based on the Services; (b) Distribute, license, sublicense, sell, resell, transfer, publicly display, publicly perform, transmit, stream, or broadcast the Services; (c) Decompile, reverse engineer, or disassemble the Services; (d) Remove, alter, or obscure any proprietary notices (including copyright and trademark notices); (e) Use the Services to develop competing products or services; (f) Frame or mirror any part of the Services without our prior written authorization. 11.4 Any unauthorized use of our intellectual property may result in legal action and termination of your access to the Services.

12. ACCOUNT SUSPENSION AND TERMINATION

12.1 We reserve the right, in our sole discretion, to suspend, restrict, or terminate your access to the Services and your account at any time, with or without notice, for any reason, including but not limited to: (a) Violation of these Terms or any applicable laws; (b) Misuse or abuse of the Services; (c) Fraudulent, suspicious, or illegal activity; (d) Non-payment of subscription fees (where applicable); (e) Inactivity for an extended period; (f) At your request; (g) For any other reason we deem appropriate. 12.2 You may delete your account at any time through the account settings in the App or by contacting us at wealthiInfo@wealthihq.com. 12.3 Upon termination: (a) Your right to access and use the Services will immediately cease; (b) All licenses granted to you will terminate; (c) Your data will be deleted in accordance with our Privacy Policy and applicable data retention policies; (d) Sections that by their nature should survive termination shall continue to apply, including but not limited to intellectual property provisions, liability limitations, indemnification, and dispute resolution. 12.4 Termination does not relieve you of any obligations incurred prior to termination. We are not liable for any losses or damages resulting from account suspension or termination.

13. GOVERNING LAW AND JURISDICTION

13.1 For users located in the United Kingdom: These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. Any disputes arising out of or related to these Terms or the Services shall be subject to the exclusive jurisdiction of the courts of England and Wales. 13.2 For users located in India: These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any disputes arising out of or related to these Terms or the Services shall be subject to the exclusive jurisdiction of the courts located in Delhi, India. 13.3 Notwithstanding the foregoing, we may seek injunctive or other equitable relief in any court of competent jurisdiction to protect our intellectual property rights or confidential information. 13.4 If you are accessing the Services from a jurisdiction other than the UK or India, you are responsible for compliance with local laws and regulations.

14. CHANGES TO THESE TERMS

14.1 We reserve the right to modify, amend, or update these Terms at any time in our sole discretion. Changes will be effective immediately upon posting the updated Terms on the Website and in the App. We will update the "Last Updated" date at the top of these Terms. 14.2 For material changes that significantly affect your rights or obligations, we will provide notice through the App, email, or by displaying a prominent notice on the Website at least thirty (30) days before the changes take effect. 14.3 Your continued use of the Services following the posting of revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must immediately cease using the Services and may terminate your account. 14.4 It is your responsibility to review these Terms periodically to stay informed of updates.

15. CONTACT INFORMATION

For any questions, concerns, or notices regarding these Terms, please contact us at:

AARTHVEDAA
22 Cannonbury Avenue
Pinner, HA5 1TS
United Kingdom
Email: wealthiInfo@wealthihq.com
Website: https://wealthihq.com

16. ACCEPTANCE OF TERMS

By downloading, installing, accessing, browsing, or using the WealthiHQ Services in any manner, you hereby acknowledge, represent, warrant, and confirm that: (a) You have read, understood, and agree to be bound by these Terms in their entirety; (b) You have read and understood our Privacy Policy and Cookie Policy; (c) You are legally capable of entering into binding contracts under applicable law; (d) You are using the Services solely for personal, non-commercial purposes; (e) All information you provide is accurate and complete; (f) You understand that the Services do not constitute regulated financial advice; (g) You accept all risks associated with using the Services and making financial decisions based on information obtained through the Services.

17. MISCELLANEOUS PROVISIONS

17.1 Entire Agreement: These Terms, together with the Privacy Policy and Cookie Policy, constitute the entire agreement between you and AARTHVEDAA regarding the Services and supersede all prior agreements and understandings. 17.2 Severability: If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. 17.3 Waiver: Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. 17.4 Assignment: You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may assign or transfer these Terms at any time without restriction. 17.5 Force Majeure: We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control. 17.6 Notices: All notices to you will be provided through the App, email, or by posting on the Website. You may provide notices to us at the contact information provided above. 17.7 Language: These Terms are drafted in English. In the event of any conflict between the English version and any translation, the English version shall prevail.