THIS PAGE (TOGETHER WITH THE DOCUMENTS REFERRED TO ON IT) CONTAINS THE TERMS AND CONDITIONS OF THE

IXCIRCLE WEBSITE TO BE ACCEPTED BEFORE REGISTERING TO THE IXCIRCLE WEBSITE. PLEASE READ ALL OF THE

FOLLOWING TERMS AND CONDITIONS CAREFULLY. IF YOU AGREE TO BE BOUND BY ALL OF THE TERMS AND

CONDITIONS, CLICK ON THE “ACCEPT” BUTTON. IF YOU DO NOT AGREE TO BE BOUND BY ALL OF THE TERMS AND

CONDITIONS, YOU WILL BE INELIGIBLE TO USE OUR WEBSITE. <br><br>

General

This set of Terms and Conditions is made by and between ixFintech (“we”, “us”, “ur” or the

“Company”), and the user of this Website (“you”, “Licensee”, or the “User”).

Access to the ixCircle Website and Additional Terms<br><br>

You understand that the ixCircle Website is available to you at www.ixcircle.com accessed through a

browser. All use of the ixCircle website shall be pursuant to the Terms and Conditions.

License Grant and Restrictions

Subject to your compliance with the Terms and Conditions, ixCircle hereby grants you a personal,

limited, non-exclusive and non-transferable license to use the ixCircle on your browser.

You agree and accept that the ixCircle Website is the sole property of ixFintech Limited and

includes valuable trade secrets of ixFintech Limited. Except as otherwise permitted, this license

does not grant you the right to use the ixCirlce Website for any other purpose or to disclose,

reproduce, distribute, modify or create derivative works of the ixCircle website. You agree not to

decompile, reverse engineer, disassemble, decrypt, or otherwise attempt to derive the source code of

the ixCircle website.

In any event, ixFintech limited retains the exclusive ownership of the ixCircle website, and except

as expressly set forth herein, no other rights or licenses are granted or to be implied under any

ixFintech Limited intellectual property.

Intellectual Property

The graphics, designs, source codes and service names are the intellectual properties of ixFintech

Limited and may not be used, including as part of trademark and/or as part of domain names or email

addresses, in connection with any product or service in any manner that is likely to cause

confusion.

All intellectual property rights subsisting in respect of the website belong to ixFintech Limited or

have been lawfully licensed to ixFintech Limited for use on the website. All rights under applicable

laws are hereby reserved. Except with the express permission of ixFintech Limited, you are not

allowed to upload, post, publish, reproduce, transmit or distribute in any way any component of the

website itself or create derivative works with respect thereto, as the website is copyrighted under

applicable laws.

Feedback

We will provide you with the opportunity to submit feedback to ixFintech Limited. We may request

this information from you by email, web questionnaires, in-app chatbox, bug forms, and other

mechanisms. By agreeing to the Terms and Conditions, you agree that ixFintech Limited may contact

you from time to time about the ixFintech App, and you hereby consent to receive such

communications. You agree that in the absence of a separate written agreement to the contrary, we

will be free to use any feedback you provide for any purpose.

Consent to Collection and Use of Data