Legal Disclaimer

This Disclaimer governs the use of the iBankCentral platform, operated by Rusaka Technologies Private Limited. Please read this document carefully before accessing, browsing, or participating in any activities through the platform. By using iBankCentral, you acknowledge and agree to the disclaimers stated herein.

1. No Investment Advice

iBankCentral is a private capital facilitation platform that enables vetted companies to share investment opportunities with pre-qualified investors. We are not a SEBI-registered investment advisor, portfolio manager, analyst, or broker. Any information, analysis, documents, or data shared through the platform is intended for informational purposes only and does not constitute a recommendation, solicitation, or endorsement of any investment opportunity.

Users must seek professional, independent financial and legal advice before making investment decisions. Any reliance placed on content published through the iBankCentral platform is done at the sole risk of the user.

2. Platform as a Technology Enabler

iBankCentral serves exclusively as a technology enabler and neutral conduit. It does not engage in fund management, investor pooling, securities underwriting, capital guarantee mechanisms, or interest payment obligations. Our platform allows companies to use Section 42 of the Companies Act to issue securities in a lawful and restricted manner, but we do not advise on or intervene in issuer financials, business models, or valuation strategies.

3. Investment Risks

Investing in unlisted, early-stage, or growth-stage companies is inherently risky. These risks include but are not limited to:

• Loss of capital, including total loss of the investment amount.
• High illiquidity — securities cannot be sold or transferred freely and may have multi-year lock-in periods.
• No guaranteed returns, dividends, or exits.
• Risks arising from corporate governance failures, fraud, default, or bankruptcy of the issuing company.
• Regulatory and policy changes affecting unlisted securities or private placements.
• Lack of reliable secondary markets to resell investments.

You are solely responsible for evaluating the risk factors and suitability of any investment. iBankCentral disclaims any liability for decisions made based on incomplete, outdated, or misleading information from issuers.

4. Regulatory Disclaimers

iBankCentral is not registered with SEBI or any other capital market regulator as a securities intermediary. The platform does not operate as an exchange, alternative investment fund, online bond platform, or crowdfunding service as defined under Indian law.

All transactions are structured under the “private placement” exemption under Section 42 and Section 25(2) of the Companies Act, 2013. Platform users are expected to comply with relevant laws, and iBankCentral bears no responsibility for user-side violations, misfilings, or regulatory breaches.

5. Accuracy and Timeliness

While we strive to ensure the integrity of platform data, we do not guarantee the accuracy, completeness, or timeliness of any issuer document, cap table, financial projection, valuation summary, or announcement posted on the platform. These materials are prepared and submitted by the issuer, and the responsibility for their truthfulness lies solely with them.

6. Forward-Looking Statements

Issuer materials may contain forward-looking statements regarding future financial performance, product launches, or strategic goals. These statements are inherently speculative, based on assumptions or estimates, and subject to significant uncertainties. Actual outcomes may differ materially. iBankCentral does not verify these statements nor endorses any future commitments made by issuers.

7. Platform Limitations and Service Availability

Access to iBankCentral may be interrupted due to server maintenance, software upgrades, third-party outages, or force majeure events. We provide no guarantees of uninterrupted service or real-time availability of dashboards, dealrooms, or data downloads. We will not be liable for any losses due to temporary outages or user-side connectivity issues.

8. No Solicitation

All offers, pitches, and investment materials hosted on the platform are shared on a 1:1 basis with backend-approved investors. iBankCentral does not publicly solicit investments, advertise deals, or circulate any offer document to the general public. Any attempt to use the platform for unauthorized distribution or public solicitation violates our terms of service and may result in immediate account termination.

9. Limitation of Liability

To the maximum extent permitted by law, Rusaka Technologies Pvt. Ltd. and its directors, officers, employees, agents, or affiliates shall not be liable for:

• Any direct or indirect loss, damage, or liability arising out of platform use or inability to access services.
• Decisions made or actions taken by users based on platform content or third-party documents.
• Loss of reputation, goodwill, or data due to cyberattacks, user-side negligence, or issuer misrepresentation.

10. User Responsibility

You acknowledge that you are solely responsible for:

• Conducting your own diligence and background verification on issuers.
• Understanding the legal and tax implications of investing in unlisted securities.
• Ensuring your compliance with local and national securities laws.

11. External Links and References

The platform may contain links to third-party websites, regulatory circulars, or external resources. These are provided for convenience only. iBankCentral does not control or verify such sites and is not responsible for any content, services, or representations made there.

12. Governing Law

This Disclaimer shall be governed by and construed in accordance with the laws of the Republic of India. All disputes are subject to the jurisdiction of courts in Mumbai, Maharashtra.

13. Updates and Modifications

iBankCentral may revise this disclaimer periodically. It is the responsibility of the user to review it regularly. Continued platform use after modifications constitutes acceptance of the updated disclaimer.

14. Contact

For any queries or clarifications regarding this Disclaimer, you may contact us at legal@ibankcentral.com.