splitStore Terms

TERMS GOVERNING splitStore ON SUPER.MONEY (the "splitStore Terms")

These terms (the "splitStore Terms") constitute a legally binding and enforceable arrangement governing Your access to and use of the "splitStore" experience made available on the super.money Platform, encompassing the "PayLater" program (a buy-now-pay-later credit facility) and the "Pay in Full" program (a full-payment purchase functionality) (each, a "Program" and collectively, the "Programs"), and form an integral and material element of, and are to be read in conjunction with, the super.money General Terms of Use and the super.money Privacy Policy. By accessing, browsing, selecting a Product, or placing an Order through any Program, You irrevocably and unconditionally signify Your acceptance of these splitStore Terms.

Capitalised terms used but not defined herein shall have the meanings ascribed to them in the super.money General Terms of Use.

PART A – COMMON PROVISIONS

(Applicable to both PayLater and Pay in Full)

1. Nature of the Service and Role of super.money

1.1 Scapic Innovations Private Limited ("Scapic", "We", "Us" or "Our"), which operates the super.money application and related digital properties, constitutes a Lending Service Provider ("LSP") and operates a digital lending application ("DLA") solely for the purpose of facilitating credit products offered by its partner banks and non-banking financial companies (each, a "Lending Partner"). In addition, super.money provides the Pay in Full functionality to enable Customers to purchase Products using their own funds. The splitStore experience on the super.money Platform encompasses both the PayLater credit-facilitation interface and the Pay in Full purchase interface, and is not a retail storefront or marketplace.

1.2 The splitStore experience displays a catalogue of products listed on the Flipkart marketplace operated by Flipkart Internet Private Limited ("Flipkart") to enable You to identify and purchase goods either (a) using the buy-now-pay-later credit facility ("BNPL Facility" or "PayLater"), or (b) by paying the full purchase price at the time of the transaction ("Pay in Full").

1.3 We do not sell, offer for sale, or facilitate the sale of any goods or services, and We do not act as an express or implied agent, marketplace, or intermediary for any seller. We own no inventory, set no prices, and undertake no fulfilment, shipping, or settlement of any Order. Our function is limited to (a) facilitating the extension of credit by the Lending Partner to enable Your purchase under PayLater; and (b) providing the Pay in Full interface through which You may complete a purchase using Your own funds.

1.4 The binding contract for the purchase of any Product is concluded exclusively between You and the relevant third-party seller on the Flipkart marketplace, and is governed by the Flipkart marketplace terms of use, shipping policy, returns and refund policy, cancellation policy, product quality and warranty policies, and grievance redressal policy (collectively, the "Flipkart Marketplace Policies"). Although the discovery and purchase journey is presented within the super.money Platform, the legal act of sale, contract formation, invoice issuance, and order confirmation are attributed to Flipkart and the relevant seller. The order confirmation is issued by Flipkart (not by Us), and the invoice is issued through Flipkart's system.

1.5 Only users who are already registered with Flipkart and who have accepted the Flipkart Marketplace Policies applicable to the products offered through splitStore are permitted to purchase such products. Users may not register for a Flipkart account through the super.money interface.

2. Key Definitions

In addition to the terms defined in the super.money General Terms of Use, the following expressions shall have the meanings set forth below:

2.1 "BNPL Facility" or "PayLater" means the short-term consumer credit facility, in the nature of a buy-now-pay-later or deferred-payment product, extended by the Lending Partner directly to You for the purpose of funding the purchase consideration of an Order.

2.2 "Catalogue" means the set of products listed on the Flipkart marketplace that are made available for discovery and selection through the splitStore experience.

2.3 "Customer" or "You" means an end-user of the super.money Platform who accesses and uses any Program within splitStore, including (a) a user determined to be eligible for the BNPL Facility in accordance with the Eligibility Rules who places an Order through PayLater, or (b) a user who places an Order through Pay in Full.

2.4 "Down Payment" means the initial payment (which may be zero) made by You at the time of purchase of a Product under PayLater, where applicable as part of the relevant offer construct.

2.5 "Eligibility Rules" means the rules, parameters, filters and restrictions determined by the Lending Partner to determine which users are eligible to access the BNPL Facility and which products are eligible to be financed under PayLater.

2.6 "KFS" or "Key Facts Statement" means the key facts statement in respect of the BNPL Facility, in the form prescribed under the RBI Regulations, to be provided to You by the Lending Partner.

2.7 "Lending Partner" means the bank or non-banking financial company appointed from time to time to extend the BNPL Facility to You, in accordance with a separate loan agreement between You and such Lending Partner.

2.8 "Loan" means the financing facility provided by the Lending Partner to You for the purchase of a Product under PayLater, on the terms set out in the loan documentation executed between You and the Lending Partner.

2.9 "Order" means an order for the purchase of a Product placed by You on the Flipkart marketplace through splitStore, whether under PayLater or Pay in Full.

2.10 "Pay in Full" means the purchase functionality within splitStore under which You may purchase Products by paying the full purchase price at the time of the transaction using Your own funds through a payment instrument, without any credit facility, Loan, or BNPL Facility.

2.11 "Pay in Full Transaction" means a transaction in which You purchase a Product through the Pay in Full functionality by paying the full purchase price at the time of the Order.

2.12 "Product" means any product or service listed on the Flipkart marketplace by a third-party seller that forms part of the Catalogue and is available for purchase through splitStore.

2.13 "Programs" means, collectively, the PayLater program and the Pay in Full program offered within splitStore.

2.14 "RBI Regulations" means all present and future notifications, directions, master directions, circulars and guidelines issued by the Reserve Bank of India that are applicable to the Lending Partner, Us and/or the transactions contemplated herein, including without limitation the Reserve Bank of India (Non-Banking Financial Companies – Credit Facilities) Directions, 2025 (including Chapter III thereof).

2.15 "Repayment Amount" means the principal Loan amount together with any interest and other applicable charges payable by You to the Lending Partner pursuant to the loan documentation.

2.16 "splitStore" means the umbrella program on the super.money Platform that encompasses both the PayLater program and the Pay in Full program, and includes all related features, functionalities, interfaces, and services provided thereunder.

2.17 "splitStore Terms" means these Terms Governing splitStore on super.money, as may be amended from time to time.

2.18 "super.benefit Cashback" means the cashback benefit, if any, granted under the super.benefit Program and credited to Your account on the super.money app in connection with a Pay in Full Transaction, subject to the terms set out in Part C of these splitStore Terms.

2.19 "super.benefit Program" means the loyalty programme operated by super.money in relation to a Customer's engagement with the super.money app, of which a Customer is a member where such Customer, at the time of the relevant transaction, satisfies any one of the following criteria: (a) such Customer has taken a personal loan through Scapic; (b) such Customer has taken a co-branded credit card; or (c) such Customer has completed a certain number of UPI transactions per month, as determined by super.money from time to time; which criteria are subject to change at the sole discretion of super.money without prior notice to You. The super.benefit Program also includes a new user of the super.money app who is deemed to be a member for the initial period specified in Clause 21.4. A Customer who is a member of the super.benefit Program may be granted super.benefit Cashback in accordance with Part C of these splitStore Terms.

3. Eligibility and Account Registration

3.1 Access to the splitStore experience is available only to a person who is competent to enter into a legally binding contract under the Indian Contract Act, 1872. By using splitStore, You represent and warrant that You are at least eighteen (18) years of age, are an Indian national and a tax resident of India, are solvent and possess the financial wherewithal to discharge Your obligations under the relevant Program, and are not a person barred or otherwise prohibited from availing such services under Applicable Law.

3.2 Access to and use of splitStore requires that You hold a valid and active super.money account and a valid and active Flipkart account, and that You have accepted the super.money General Terms of Use and the Flipkart Marketplace Policies.

3.3 Your eligibility to access the BNPL Facility under PayLater is determined by the Lending Partner in accordance with the Eligibility Rules. We apply the Eligibility Rules on the instructions of the Lending Partner; the pre-screening so performed is advisory only and does not bind the Lending Partner. The Lending Partner maintains and applies its own independent credit policy and shall, at its sole discretion, decide whether to extend the Loan to You. Such decisions are based on internal eligibility parameters and compliance requirements, and You agree not to dispute the same.

3.4 Access to the Pay in Full functionality is available to all Customers who satisfy the eligibility criteria set out in Clause 3.1 and Clause 3.2 above, subject to any additional conditions that We may prescribe from time to time.

3.5 You represent and warrant that all information supplied by You is true, accurate, current and complete, and that You shall not use any other person's account or credentials at any time.

4. Pricing Disclosure

4.1 All Product pricing, discounts and offers displayed through the splitStore experience are determined solely by the sellers on the Flipkart marketplace. Such pricing flows through unmodified from Flipkart.

4.2 Scapic and/or super.money does not set, alter, modify, discount or bundle any Product pricing, and exercises no merchandising, ranking or promotional discretion over any Product pricing, discounts or offers displayed through splitStore.

4.3 Products displayed through splitStore may not earn loyalty rewards (including SuperCoins) that would otherwise be available on a direct purchase through the Flipkart marketplace.

5. Referral and Affiliate Disclosure

5.1 Products and services displayed within splitStore are listed and fulfilled solely by Flipkart Internet Private Limited ("Flipkart"). Scapic/super.money is not the seller, service provider or agent of the Merchant, does not hold inventory, and is not a party to Your transaction.

5.2 Your Order will be placed on, and fulfilled, invoiced and serviced solely by Flipkart on Flipkart's own platform and terms, including as to pricing, delivery, cancellation, returns, refunds and warranties.

5.3 Scapic/super.money may receive a referral fee from the Merchant if You transact after clicking through from the splitStore experience.

5.4 For any complaint regarding a Product or service, please contact Flipkart's customer care. For complaints regarding the super.money app, You may contact Our nodal grievance redressal officer, whose contact details are prominently displayed on the super.money Platform and website.

5.5 Only users who are already registered on the Flipkart platform and who have accepted the Flipkart Marketplace Policies may purchase Products through splitStore.

6. Data Privacy and Consent

6.1 The collection, storage, usage, transfer and processing of Your personal information in connection with splitStore is undertaken in accordance with the super.money Privacy Policy and Applicable Law, including the Digital Personal Data Protection Act, 2023, the Information Technology Act, 2000, and the rules made thereunder.

6.2 By using splitStore, You provide Your prior, explicit and informed consent to the collection of Your personal data and to the sharing and disclosure of such data with the Lending Partner (where applicable) and other Service Providers, solely to the extent reasonably required to facilitate Your discovery of Products, the assessment and extension of the BNPL Facility (under PayLater), the processing of Pay in Full Transactions, the servicing and collection of any Loan, and compliance with Applicable Law.

7. Prohibited Uses and User Obligations

7.1 You undertake to use splitStore only for lawful purposes and to avail any Program only for legitimate transactions undertaken by You or by persons for whom You are legally authorised to act, and not for any fraudulent, false, or unauthorised transaction.

7.2 You shall not (i) provide any false, inaccurate, incomplete or misleading information; (ii) impersonate any person or use another person's account, credentials or payment instrument; (iii) use splitStore in any manner that infringes the rights of any third party or that is unlawful or forbidden under Applicable Law; (iv) introduce any virus, malicious code or other material designed to interrupt, destroy or limit the functionality of any computer resource; or (v) use splitStore in a manner that imposes an unreasonable or disproportionate load on Our infrastructure, or that results or may result in complaints, disputes, reversals, chargebacks, fees, fines, penalties, or other liability to Us, a Lending Partner, Flipkart, or any third party.

7.3 You are solely responsible for safeguarding the confidentiality of Your account credentials and for all activity undertaken through Your account.

8. Customer Support and Grievance Redressal

8.1 We act only as an initial point of contact for queries arising on the super.money Platform and undertake first-level contact of grievances relating strictly to the splitStore journey. Queries relating to lending (including EMI, repayment, and credit issues) are coordinated by Us with, and resolved by, the Lending Partner, in whom responsibility for grievance redressal in respect of the Loan continues to vest.

8.2 All queries and grievances relating to a Product, including product quality, fitness for purpose, delivery, non-delivery, delayed delivery, after-sales support, warranty, replacement, refund and consumer-grievance redressal, are to be directed to, and shall be the responsibility of, Flipkart and/or the relevant third-party seller in accordance with the Flipkart Marketplace Policies. We do not provide resolution in respect of such Product-related matters and merely redirect such queries; You also retain the option to approach Flipkart directly.

8.3 The contact details of Our nodal grievance redressal officer for digital-lending-related complaints and splitStore-related complaints are prominently displayed on the super.money Platform and on Our website.

8.4 The super.money Platform contains a prominent and continuously accessible link redirecting You to the Lending Partner's webpage containing the disclosures prescribed under the RBI Regulations.

9. Disclaimers and Limitation of Liability

9.1 The super.money Platform and the splitStore experience are provided on an "as is" and "as available" basis. To the maximum extent permitted by Applicable Law, We disclaim all representations and warranties, whether express, implied, statutory or otherwise, including warranties of merchantability and fitness for a particular purpose, and We do not warrant uninterrupted or error-free operation.

9.2 We do not provide, control, or endorse, and are not responsible or liable for, the quality, condition, defects, fitness, merchantability, safety, labelling, delivery, non-delivery, delayed delivery, after-sales support, warranty, or any other aspect of any Product. Any such claim shall lie solely against Flipkart and/or the relevant third-party seller, and You agree not to make Us a party to any such dispute.

9.3 We are not the lender and do not extend the BNPL Facility. The credit assessment, extension, servicing, collection and recovery of the Loan are undertaken by the Lending Partner, and We are not responsible or liable for any act or omission of the Lending Partner in respect thereof.

9.4 We shall not be responsible or liable for any technical issue, failure, error or interruption on the Flipkart marketplace, nor for any delay or loss arising from circumstances beyond Our reasonable control, including any Force Majeure Event.

9.5 To the maximum extent permitted by Applicable Law, in no event shall We be liable for any indirect, incidental, consequential, punitive or special damages, or for any loss of profits, revenue, data or goodwill. All disclaimers, exclusions, indemnities and limitation-of-liability provisions contained in the super.money General Terms of Use shall apply to these splitStore Terms in their entirety.

10. Indemnity

10.1 You agree to indemnify and keep Scapic, its affiliates, Flipkart, Lending Partners and Service Providers harmless against all damages, liabilities, costs, expenses, claims, suits and proceedings (including reasonable attorney's fees) that may be suffered by Scapic as a consequence of (i) Your violation of these splitStore Terms or the super.money General Terms of Use; (ii) Your violation of Applicable Law; or (iii) any action or inaction resulting in wilful misconduct or negligence on Your part.

11. Amendments, Suspension and Termination

11.1 We reserve the right to amend, modify, supplement or replace these splitStore Terms at any time, with effect from the date of publication on the super.money Platform, subject to Applicable Law. Your continued use of splitStore following any such amendment constitutes Your acceptance thereof.

11.2 We reserve the right to suspend or terminate Your access to splitStore or any Program, temporarily or permanently, at Our sole discretion, including where You provide false or incomplete information or violate these splitStore Terms or Applicable Law.

11.3 You may terminate Your use of splitStore by discontinuing its use; provided that such discontinuance shall not affect any liability or obligation that has arisen prior thereto, including Your subsisting obligation to repay any outstanding Repayment Amount to the Lending Partner.

12. Regulatory Disclosures

12.1 This document is published in accordance with the provisions of Rule 3(1)(a) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021.

12.2 Scapic operates as a Lending Service Provider and operates the super.money Platform solely for the purpose of facilitating credit products offered by its partner banks and non- banking financial companies. Scapic does not sell, offer for sale, or facilitate the sale of any goods or services. The contract for the purchase of goods is between You and the seller on the Flipkart marketplace.

12.3 Lending is undertaken by the Lending Partner, a regulated entity. The list of Lending Partners of Scapic are mentioned prominently on Our website.

13. Governing Law and Dispute Resolution

13.1 These splitStore Terms shall be governed by and construed in accordance with the laws of India.

13.2 Any dispute, claim or controversy arising out of or in connection with these splitStore Terms, including any question regarding their existence, validity, interpretation, performance, breach or termination, shall be subject to the exclusive jurisdiction of the competent courts at Bengaluru, Karnataka, India.

13.3 Nothing in this Clause shall limit the right of any party to seek interim or injunctive relief from any court of competent jurisdiction.

PART B – PAYLATER SPECIFIC PROVISIONS

(Applicable to PayLater only, in addition to Part A)

14. PayLater Product Description and Key Features

14.1 The PayLater experience enables You to (i) discover and select, from the Catalogue, products eligible for PayLater financing (presented exclusively as "products eligible for PayLater financing"); (ii) apply for the BNPL Facility offered by the Lending Partner; and (iii) upon approval, place an Order on the Flipkart marketplace funded by the BNPL Facility.

14.2 The financing journey, including disclosures, consents and execution of the loan documentation, occurs on the super.money Platform. The underlying commerce transaction (order placement and checkout) occurs on, and is deemed to occur on, the Flipkart marketplace. The financed portion of the purchase consideration is settled by the Lending Partner directly to Flipkart (or to the relevant seller's designated settlement, nodal or escrow account operated in accordance with Applicable Law), and not through any account owned, operated or controlled by Us.

14.3 The Catalogue for PayLater reflects the products as they appear on the Flipkart marketplace, including the same product descriptions, images, pricing and seller information, subject only to the credit-eligibility filter applied in accordance with the Eligibility Rules. We do not undertake any merchandising, ranking, promotion or discounting of products.

14.4 Your transaction record within the PayLater experience constitutes a loan-servicing and equated monthly instalment ("EMI") management ledger reflecting Your financed purchases, and references the corresponding Flipkart order identification number.

15. Lending Partner, Eligibility Rules and KFS

15.1 Your eligibility to avail the BNPL Facility is determined by the Lending Partner in accordance with the Eligibility Rules. We apply the Eligibility Rules on the instructions of the Lending Partner; the pre-screening so performed is advisory only and does not bind the Lending Partner.

15.2 The Lending Partner maintains and applies its own independent credit policy and shall, at its sole discretion, decide whether to extend the Loan to You. Such decisions are based on internal eligibility parameters and compliance requirements, and You agree not to dispute the same.

15.3 Prior to the disbursement of any Loan, the Lending Partner shall provide You with the KFS containing the terms of the credit facility, including the interest rate, processing fee, repayment schedule, and all other charges. You are required to review the KFS carefully prior to accepting the BNPL Facility.

16. Fees, Payment Obligations and Repayment Terms

16.1 We do not levy any fee or charge on You in respect of the PayLater facility, including any convenience fee.

16.2 The interest, processing fee, late-payment or penal charges, and all other charges applicable to the BNPL Facility are determined and levied solely by the Lending Partner and are set out in the KFS and the loan documentation provided to You by the Lending Partner.

16.3 You are obligated to repay the Repayment Amount to the Lending Partner in accordance with the repayment schedule and the terms set out in the loan documentation. Your obligation to repay the Loan to the Lending Partner remains binding and unaffected by any dispute relating to a Product, except to the extent the underlying Order is validly cancelled or returned and the financed portion is refunded or adjusted in accordance with the applicable cancellation and refund mechanics.

17. Refunds and Cancellation Mechanics

17.1 Where an Order placed under PayLater is cancelled or becomes the subject of a valid return in accordance with the Flipkart Marketplace Policies, the financed portion already settled shall be refunded by Flipkart and/or the relevant seller directly to the Lending Partner (and not to You or to Us), or adjusted or set off in accordance with the agreed reconciliation protocol, and applied towards prepayment of the outstanding Loan.

17.2 We do not, at any stage, bridge, advance, or guarantee any refund amount.

18. Mandates

18.1 You authorise such debits, credits, mandates, standing instructions or e-mandates as may be registered in connection with the BNPL Facility, which shall be used solely for collections in respect of the relevant Loan and shall not be reused or repurposed for any other product or facility.

19. Lending-Specific Grievance and RBI Disclosures

19.1 Queries relating to lending (including EMI, repayment, interest, penal charges, and credit issues) are coordinated by Us with, and resolved by, the Lending Partner, in whom responsibility for grievance redressal in respect of the Loan continues to vest.

19.2 The super.money Platform contains a prominent and continuously accessible link redirecting You to the Lending Partner's webpage containing the disclosures prescribed under the RBI Regulations, including the list of Lending Partners, the terms and conditions of the credit product, the grievance redressal mechanism, and such other information as may be required under Applicable Law.

PART C – PAY IN FULL SPECIFIC PROVISIONS

(Applicable to Pay in Full only, in addition to Part A)

20. Pay in Full Product Description and Key Features

20.1 The Pay in Full functionality within splitStore enables You to purchase Products from the Catalogue by paying the full purchase price at the time of the transaction using Your own funds through a payment instrument available on the super.money Platform.

20.2 A Pay in Full Transaction does not involve any credit facility, Lending Partner, Loan, KFS, EMI, or repayment obligation. No BNPL Facility is extended in connection with a Pay in Full Transaction.

20.3 We do not levy any fee, charge, or convenience fee on You in respect of a Pay in Full Transaction.

20.4 The contract of sale, invoice, order confirmation, delivery, cancellation, returns, refunds and warranties in respect of a Pay in Full Transaction remain solely with Flipkart and the relevant seller, and are governed by the Flipkart Marketplace Policies.

20.5 Refunds for cancelled or returned Orders under Pay in Full are processed by Flipkart and/or the relevant seller to the original payment instrument used by You at the time of the transaction. We do not bridge, advance, or guarantee any refund.

20.6 Products displayed through Pay in Full may not earn loyalty rewards (including SuperCoins) that would otherwise be available on a direct purchase through the Flipkart marketplace.

21. super.benefit Program and super.benefit Cashback

21.1 We may, from time to time, grant super.benefit Cashback, as part of the super.benefit Program, to Customers who are members of the super.benefit Program and who use the Pay in Full functionality. super.benefit Cashback, where applicable, shall be credited to Your account on the super.money app upon the completion of the relevant Pay in Full Transaction.

21.2 super.benefit Cashback credited to Your account shall remain locked for a period of thirty (30) days from the date of such credit. During this period, the super.benefit Cashback shall remain in Your account but shall not be available for use, withdrawal or transfer. Upon the expiry of such period, You may use the super.benefit Cashback by either (a) withdrawing it into Your bank account; or (b) purchasing gift vouchers made available on the super.money app, in each case in accordance with such operational conditions as We may prescribe from time to time.

21.3 Where the Pay in Full Transaction in respect of which super.benefit Cashback was credited is cancelled or returned, whether in whole or in part, the super.benefit Cashback so credited shall stand cancelled and shall be reversed from Your account, whether or not the period referred to in Clause 21.2 has expired.

21.4 You shall be eligible for super.benefit Cashback on a Pay in Full Transaction only where You are a member of the super.benefit Program, determined in accordance with the criteria set out in the definition of super.benefit Program.

21.5 super.benefit Cashback granted under this Clause 21 is not an inducement to purchase any Product and does not constitute a discount, rebate, or reduction in the purchase price of any Product. super.benefit Cashback constitutes a loyalty benefit granted by super.money under the super.benefit Program in relation to the Customer's engagement with the super.money app.

21.6 super.benefit Cashback amounts and membership of the super.benefit Program are determined solely by super.money based on its internal rules and the Customer's engagement with super.money. super.benefit Cashback is not determined by, linked to, or related to the specific Products purchased, their price, category, or seller.

21.7 Save as expressly permitted under Clause 21.2, super.benefit Cashback cannot be transferred to any other account (whether within or outside the super.money app), assigned or negotiated in any manner, and has no independent cash value.

21.8 super.money reserves the right to forfeit, reverse, or claw back any super.benefit Cashback credited to Your account in the event of (i) fraud, misuse, or abuse of the super.benefit Program or any Program; (ii) a reversed, cancelled, or refunded Pay in Full Transaction in respect of which super.benefit Cashback was credited; or (iii) any violation of these splitStore Terms or the super.money General Terms of Use.

21.9 Any tax liability arising out of the receipt, credit, or use of super.benefit Cashback shall be borne solely by You, and You shall be responsible for compliance with all applicable tax laws in this regard.

21.10 super.money reserves the right to modify, suspend, or withdraw the super.benefit Program, or to change the super.benefit Cashback amounts, the modes or conditions of use, or the membership criteria, at any time and at its sole discretion, with prospective effect. Any such modification shall not affect super.benefit Cashback already credited and available for use (subject to these splitStore Terms).