Intellectual Property Policy

Last Updated: August 12, 2025

This Intellectual Property Policy ("IP Policy") governs the ownership, use, and protection of intellectual property rights related to Samridhya Innovations Private Limited ("Samridhya," "we," "us," or "our"), including but not limited to our website (www.samridhya.com), mobile application ("App"), trademarks, logos, content, and proprietary technology (collectively, "Samridhya IP").

By accessing or using our services, you agree to comply with this IP Policy.

1. Ownership of Intellectual Property

All intellectual property rights in and to Samridhya's Services, including but not limited to:

• Trademarks, logos, and brand names (e.g., "Samridhya," the Samridhya logo).
• Website & App content (text, graphics, UI/UX design, software code).
• Proprietary algorithms, business processes, and financial models.
• Marketing materials, whitepapers, and research reports.

are the exclusive property of Samridhya Innovations Private Limited or its licensors and are protected under applicable Indian and international intellectual property laws.

2. Permitted Use

You may use Samridhya's Services for personal, non-commercial purposes in compliance with these Terms. You are granted a limited, revocable, non-exclusive, non-transferable license to:

• Access and use the website and App for legitimate financial services.
• Download or print content for personal reference (subject to copyright notices).

3. Prohibited Use

You must not, under any circumstances:

• Copy, modify, distribute, sell, or create derivative works from Samridhya IP without prior written consent.
• Reverse-engineer, decompile, or extract source code from our software.
• Use Samridhya's trademarks, logos, or branding without permission.
• Scrape, crawl, or use automated tools to collect data from our platform.
• Claim ownership or falsely represent affiliation with Samridhya.

4. User-Generated Content

If you submit any content (e.g., reviews, feedback, or suggestions) to Samridhya:

• You retain ownership but grant Samridhya a worldwide, royalty-free, perpetual license to use, modify, and display such content.
• You confirm that you have the legal rights to share the content and that it does not infringe any third-party IP.

5. Third-Party Intellectual Property

Samridhya respects third-party IP rights. If you believe our Services infringe your rights, please notify us in writing at support@samridhya.com with:

• A description of the infringing material.
• Proof of ownership (e.g., copyright/trademark registration).
• Your contact details.

We will investigate and take appropriate action, including removal of infringing content if necessary.

6. Consequences of Violation

Violations of this IP Policy may result in:

• Immediate termination of access to Samridhya's Services.
• Legal action, including monetary damages and injunctive relief.
• Reporting to law enforcement or regulatory authorities where applicable.

7. Changes to This Policy

Samridhya reserves the right to update this IP Policy at any time. The "Last Updated" date will reflect revisions. Continued use of our Services constitutes acceptance of changes.

8. Contact for IP-Related Issues

For intellectual property concerns, including takedown requests, licensing inquiries, or infringement claims, contact: