Platform Service Disclosure

This Platform Service Disclosure ("Disclosure") explains the nature of services offered through BharatOne Services and Affiliates Pvt. Ltd. ("BharatOne", "Company", "we", "our", or "us"), including the role of third-party partners, service dependencies, and general operational responsibilities associated with the Services.

This Disclosure applies to customers, merchants, retailers, franchisees, agents, distributors, API users, business partners, service centers, and all users accessing or using the Services ("Users"). By accessing or using the Services, Users acknowledge and agree to this Disclosure.

1. Platform Nature

BharatOne operates as a technology-enabled digital commerce, government services, payment facilitation, merchant enablement, and financial services platform. The Company provides software systems, APIs, merchant enablement solutions, digital infrastructure, business management tools, and technology services that enable users to access a wide range of digital, financial, commercial, and government-related services.

Certain services available through the platform are facilitated, fulfilled, processed, operated, or supported by authorized third-party ecosystem participants, including banks, payment aggregators, payment gateways, telecom operators, government departments, utility service providers, insurance companies, travel service providers, cloud service providers, technology partners, and other regulated entities.

Use of such services may also be subject to the respective partner's terms and conditions, regulatory requirements, operational procedures, and service-specific policies.

2. Nature of Services

Services available through the BharatOne platform may include, but are not limited to:

• Government-to-Citizen (G2C) digital services.
• Banking and assisted financial services.
• Bill payment and utility payment services.
• Mobile, DTH, FASTag, and recharge services.
• Money transfer and payment collection services (where available).
• QR code and merchant collection solutions.
• Merchant onboarding and business enablement.
• Retailer and franchise management.
• ERP and business management software.
• API integration services.
• White-label technology solutions.
• Insurance facilitation services.
• Travel booking and ticketing services.
• Digital document and certificate services.
• Customer communication and notification services.
• Business support and operational tools.
• Other partner-enabled commerce and digital services.

Availability of Services may vary depending upon geographic coverage, government approvals, partner integrations, regulatory restrictions, operational conditions, technical feasibility, and service-specific eligibility.

3. Third-Party Dependencies

Certain Services depend upon third-party infrastructure and external systems, including:

• Banking networks.
• Payment gateways and payment aggregators.
• NPCI-enabled payment systems.
• Government departments and agencies.
• Telecom operators.
• Utility providers.
• Insurance providers.
• Travel service providers.
• Cloud hosting providers.
• API providers.
• Identity verification providers.
• Other regulated ecosystem participants.

Users acknowledge that:

• Certain services are processed or fulfilled by external partners.
• Transaction authorization and settlements may depend upon third-party systems.
• Service interruptions, delays, or failures may occur because of external infrastructure or partner dependencies.

BharatOne does not control third-party infrastructure or external partner systems beyond its operational scope.

4. Service Availability

BharatOne endeavors to maintain reliable and secure platform operations but does not guarantee uninterrupted availability of all Services.

Temporary interruptions or limitations may occur due to:

• Scheduled maintenance.
• Emergency maintenance.
• Government system downtime.
• Banking partner downtime.
• Payment gateway interruptions.
• Telecom or internet failures.
• Software upgrades.
• Cybersecurity incidents.
• Regulatory requirements.
• External infrastructure failures.

BharatOne reserves the right to modify, suspend, restrict, or discontinue any Service or platform feature where necessary for operational, legal, regulatory, security, partner, or business reasons.

5. Transaction and Settlement Processing

Certain services may involve:

• Transaction authorization.
• Identity verification.
• Banking approval.
• Payment processing.
• Settlement cycles.
• Reconciliation procedures.
• Government approval workflows.
• External verification processes.

Users acknowledge that transaction success, settlement timelines, refunds, reversals, and service completion may depend upon external partners and systems beyond BharatOne's direct control.

Refunds, reversals, and cancellations shall be governed by BharatOne's Refund & Cancellation Policy, together with the applicable policies of banking partners, payment service providers, government departments, or other participating service providers.

6. Pricing and Charges

Certain Services may involve:

• Convenience fees.
• Service charges.
• Subscription fees.
• Merchant onboarding charges.
• API usage fees.
• Transaction processing charges.
• Partner service fees.
• Government fees.
• Applicable taxes and statutory levies.

Applicable charges may vary depending upon:

• Service category.
• Transaction type.
• Partner pricing.
• Government notifications.
• Promotional offers.
• Operational requirements.

Additional details are available under BharatOne's Service Charges & Pricing Policy.

7. User Responsibilities

Users are responsible for:

• Providing accurate and complete information.
• Reviewing transaction details before confirmation.
• Maintaining the confidentiality of account credentials, passwords, PINs, and OTPs.
• Using secure devices and trusted internet connections.
• Using BharatOne's Services lawfully and responsibly.
• Complying with applicable laws and partner requirements.

Users should carefully verify beneficiary details, mobile numbers, account information, government application details, booking information, and payment information before submitting any transaction.

8. Information and Data Handling

Use of BharatOne's Services may require the collection, processing, storage, and sharing of operational, transactional, verification, merchant, business, and personal information in accordance with:

• BharatOne's Privacy Policy.
• Data Protection & Localization Statement.
• KYC Policy.
• Applicable contractual obligations.
• Regulatory requirements.
• Partner-specific operational requirements.

Where required by applicable law or regulatory direction, regulated customer and payment-related information is stored and processed within India.

9. Limitation of Responsibility

To the maximum extent permitted by applicable law, BharatOne shall not be responsible for:

• Third-party service interruptions.
• Banking network downtime.
• Government portal downtime.
• Telecom failures.
• Utility provider outages.
• Payment gateway interruptions.
• API failures.
• Delays caused by external systems.
• Incorrect information submitted by Users.
• Unauthorized access resulting from User negligence.
• Fraud committed by third parties beyond BharatOne's reasonable control.
• Operational failures attributable to external ecosystem participants.

Users acknowledge that several BharatOne Services rely upon external infrastructure and regulated ecosystem participants beyond BharatOne's direct operational control.

10. No Professional, Financial, or Legal Advice

Information, content, products, and services made available through the BharatOne platform are provided for general operational and service-related purposes only.

Nothing contained on the platform shall be construed as:

• Financial advice.
• Investment advice.
• Banking advice.
• Tax advice.
• Legal advice.
• Insurance advice.
• Professional consulting services,

unless expressly stated otherwise.

Users should obtain independent professional advice before making financial, legal, taxation, investment, or business decisions.

11. Changes to Services and Disclosure

BharatOne may periodically introduce, modify, suspend, restrict, or discontinue Services, pricing structures, operational workflows, technology integrations, partner relationships, or platform features.

This Disclosure may also be updated periodically to reflect:

• Changes in applicable laws.
• Regulatory requirements.
• Technology developments.
• Partner requirements.
• Operational improvements.
• Business practices.

The latest version of this Disclosure will be published on BharatOne's official website. Continued use of the Services following publication of any revised version constitutes acceptance of the updated Disclosure.

12. Contact Information

For operational, platform-related, compliance, or customer support queries, please contact:

• BharatOne Services and Affiliates Pvt. Ltd.
• Registered Office: Shree Durga, 10th B Cross, K.R. Puram, Hassan – 573201, Karnataka, India
• Email: support@mybharatone.com
• Website: www.mybharatone.com