TERMS OF USE

The objective of these Terms of Use ("Terms") is to inform You (defined below) of the terms that apply to Your (defined below) access/use of the Optotax Platform (defined below), what Open Financial Technologies Private Limited (“Open”; "Optotax"; "We"; "Company"; "Our" or "Us", as the context requires, and includes its affiliates and assigns) expect of You and what You can expect from Us (defined below) as You use and interact with the Optotax Platform provided by Us.

The Optotax Platform (defined below) enables Chartered Accountants, Tax Practitioners and other Professional Consultants to manage GST compliance for their clients. The Optotax Platform shall assist Users in managing the filing of GST returns along with other incidental or additional GST services on the GST portal.

These Terms are an electronic record in terms of the Information Technology Act, 2000, and rules thereunder as applicable and as amended from time to time. This electronic record is generated by a computer system and does not require any physical or digital signatures. These Terms are published in accordance with the provisions of Rule 3(1)(a) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 as amended in 2022 framed under the Information Technology Act, 2000 (as amended from time to time), that mandates publishing the terms of use for access or usage of the Optotax Platform and Services (defined below) and they constitute a legally binding and enforceable contract between Us and the User (defined below).

These Terms govern the access and use of the website i.e. www.optotax.com ("Website") or the Optotax mobile application (“App”) (which includes any and all the related sub-links and the Services provided thereunder offered) by Us.

Please note that Optotax Platform is only a technology platform that enables Users to manage GST related compliance.

BY USING OR INSTALLING ANY PART OF THE SERVICE, THE USER EXPRESSLY AGREES TO AND CONSENTS TO BEING IRREVOCABLY BOUND BY THIS AGREEMENT AND ALL OF THE TERMS SET OUT HEREIN. IF YOU DO NOT AGREE TO ALL OF THE TERMS OF THIS AGREEMENT, YOU SHOULD NOT AVAIL ANY SERVICES OFFERED ON THE OPTOTAX PLATFORM. IF YOU DO NOT AGREE WITH THESE TERMS, ON BEING INFORMED, WE WILL PROMPTLY CANCEL THE ASSOCIATION AND THE USER MAY NOT ACCESS, USE OR INSTALL ANY PART OF THE SERVICE.

OPTOTAX SHALL HAVE DEEMED TO HAVE ACCEPTED THIS AGREEMENT AND THE CONTRACT SHALL ONLY BE CONSIDERED TO BE DULY EXECUTED, VALID AND BINDING AFTER THE RECEIPT OF THE USER INFORMATION FROM THE USER.

THE CONTRACT SHALL BE DEEMED TO HAVE BEEN RECEIVED, ACCEPTED AND FORMED AT OPTOTAX'S REGISTERED OFFICE, SITUATED AT 3RD FLOOR, TOWER 2, RGA TECH PARK, 18 SARJAPUR ROAD, HADOSIDDAPURA, DODDAKANNELLI, BENGALURU, KARNATAKA – 560035.

These Terms govern the User's use and/or access to the Optotax Platform. These Terms form an integral part of, and will be read in conjunction with:-

• The Privacy policy governing the use of the Website or provided to the User in any other manner or form, which is hosted at [www.optotax.com/privacy] ("Privacy Policy").

• Optotax AI

This disclaimer provides important information regarding the Optotax AI feature available on our platform. Please read this disclaimer carefully before using this feature.

Optotax AI is designed to provide general guidance and information related to GST matters. However, please note the following important limitations:

• Not Professional Tax Advice: The information provided by Optotax AI is for general informational purposes only and should not be considered professional tax, legal, or accounting advice. It is not a substitute for consultation with qualified tax professionals. Users are advised to seek appropriate legal opinion from qualified professionals before implementing the same.
• No Guarantee of Accuracy: While we strive to provide accurate and up-to-date information, Optotax AI relies on automated systems that may not account for all nuances of tax law or your specific circumstances. Information may be incomplete, outdated, or subject to different interpretations.
• No Liability: We expressly disclaim all liability for any actions taken or not taken based on information provided by Optotax AI. Users rely on this information at their own risk.
• Verify Results: Users should independently verify, preferably from a qualified professional, any information or suggestions or results provided by Optotax AI before making business decisions or tax filings.
• Subject to Change: Tax laws, regulations, and interpretations are subject to frequent changes as per jurisprudence established during the course of day to day dealing with the matters under the Applicable Law. Information that was accurate at one point may become outdated.
• Not Jurisdiction-Specific: Unless explicitly stated, the information provided may not be tailored to your specific jurisdiction, and tax requirements may vary significantly across different locations.

By using Optotax AI, you acknowledge and accept these limitations and agree to use the information provided solely as a supplementary resource alongside professional tax advice appropriate to your specific situation.

For definitive guidance on tax matters, please consult with a qualified tax professional or the relevant tax authority.

Unless the context otherwise requires, the following capitalized words shall have the meaning assigned to them below:

"Admin Verified" shall mean the approval provided to the User by the administrator at Optotax to use a particular Service or set of Services subject to the User's information being submitted and execution of any other controls or protocols that may be required to verify and authenticate the User in accordance with applicable laws.

"GST" refers to Goods and Services Tax as per the Goods and Services Tax Act, 2017 and related laws in India.

"Business Days" shall mean any day on which banks are open for business in Bangalore, India.

“Optotax Platform” means the Website and App and all associated services, features, and content.

"User Account" shall mean the online account opened by the User on Optotax Platform subject to the onboarding requirements stipulated on the Optotax Platform.

"Service(s)" shall mean (including but not limited to) the following services provided by Optotax to the User at the request of the User:

• GST Reports Download:

  For Example –

  • GSTR1 detailed report
  • GSTR3B Summary Report
• GST Reconciliation:

  For Example –

  • GSTR1 vs 3B
  • GSTR2A vs 2B
  • GSTR2A vs 3B
• Notice Management
• GST filing including but not limited to:
  • GSTR1
  • GSTR3B
  • GSTR9
• Providing support to the User in respect of any queries/clarifications that the User may have in respect of the Optotax Platform.

(Note :– The list of services indicated above is not an exhaustive representation of all the services (including filings and reports) provided by Us and may be subject to frequent changes.)

"User", "You", "Your" and "Yourself", as the context requires, shall mean and include a natural person or legal person (sole proprietor, partnership firm, company, LLPs, trusts, societies or HUFs) that registers on the Optotax Platform and/or transacts or avails Services. The term 'User' shall also include such personnel of the User (including but not limited to any current or former officers, directors or employees of the User) who access the Optotax Platform using the User Account credentials with either full rights or limited rights, as the case may be.

The Optotax Platform must be accessed/used only by persons above 18 (eighteen) years of age and who can enter into legally binding contracts with Us in accordance with the Indian Contract Act, 1872 by virtue of being 'competent to contract' within the meaning of Section 11 of the Indian Contract Act, 1872. Your use or access of the Optotax Platform shall be treated as Your representation that You are competent to contract and if You are registering as a business entity, then You represent and warrant that You have the authority to bind such business entity to these Terms.

Note: The Optotax Platform shall be accessed and used by Users solely for their legitimate business requirements related to GST compliance management.

To access and use the Optotax Platform and Services, You must register on the Optotax Platform. In this regard, You will provide Us with all information required for registration on our platform. You must provide true, accurate, current and complete information at all times, failing which, We may at any time reject Your registration and terminate Your right to use or access the Optotax Platform.

When You register on the Optotax Platform, a User Account will be created based on the information You have provided. You are advised to keep the credentials of the User Account in confidence as You will be solely responsible for the activities on the User Account. You will ensure that the details provided and/or updated are correct and complete at all times. You shall inform Optotax of any change in the email address, mobile number, address, change in authorization, control or legal status or cessation of the User's business by giving a written intimation on [email protected].

You shall be responsible at all times for keeping Your information updated and for maintaining the safety and confidentiality of the username, password and any other information pertaining to the User Account and for preventing unauthorized access to the User Account and devices. Optotax will not be liable for any mistake or misuse of User Account either by the User, by any person authorized by the User, or by any person gaining access to the Services through the User Account, attributable to act/omission of the User.

It shall be Your responsibility to review these Terms periodically for updates/changes. Your continued use of the Optotax Platform following any amendments of these Terms is construed as deemed acceptance of such amendments. Subject to the User's continued compliance with these Terms, Optotax grants the User a personal, non-exclusive, non-transferable, limited privilege to access and use the Optotax Platform.

You will be responsible and shall indemnify Us against any liability, costs or damages arising in connection with (a) the User providing false, incorrect or misleading information; (b) compromise of the User Account credentials; (c) wrong details filed with GST department; and (d) incorrect reconciliation report generated on the Optotax Platform. Optotax reserves the right to refuse access to the Optotax Platform, terminate accounts, or remove or edit content at any time without notice to the User concerned if these Terms or the Privacy Policy are violated.

The User shall indemnify and hold Optotax/Us harmless against any and all third-party claims, damages, and expenses arising from User's reliance on AI-generated information or content provided through Our services.

By providing your GSTN username, password, and GST number for the purpose of using our Services, you expressly authorize Optotax to:

• Store these credentials (except username) in an encrypted format to facilitate your use of our Services
• Use these credentials to access GST portal on your behalf to download reports, file returns, and perform other GST-related actions as requested by you
• Prefill GST details for easy filing and to simplify your workflow

You understand and acknowledge that:

• Providing these credentials is voluntary and at your discretion
• You remain responsible for maintaining the security of your GSTN credentials
• You can revoke this access at any time by changing your GSTN password or by contacting our support team
• Optotax implements industry-standard security measures to protect your credentials

The User and Optotax each represents and covenants to the other that it will adhere to data security protocols, including the procedures for incident management and reporting.

We integrate with a few APIs to provide our services and thus use third-party services: These APIs enable us to track report downloads, filings etc., for product support, for recording user session, for taking user feedback, for filing & reports download, for tracking signups & other analytics, for showing product roadmap & taking votes, for GST filing.

We employ the use of cookies on the Optotax Platform. Most interactive websites use cookies to enable retrieval of the User details for each visit. Cookies are used in some areas of the Optotax Platform to enable and enhance the functionality and ease of use for the Users. By using the Optotax Platform, the User consents to the use of cookies in accordance with the Privacy Policy.

To help prevent unauthorized access to your information, You agree to:

• maintain the security of your account by not sharing your login credentials with others and restricting access to your account on your computer or mobile or other device;
• ensure that you logout from your Optotax Account each and every time you use it;
• ensure that you have security measures such as a pattern lock, password protection, etc. on your device and do not leave your computer or mobile or other device unattended or unlocked; and
• take responsibility for all activities that occur under your Optotax Account and accept all risks of unauthorized access. If you believe your password or devices has been lost or stolen, or if you suspect any fraudulent activity, please immediately de-activate your account and report this to us immediately at [email protected].

You are solely responsible for any unauthorized access to your information that results from your failure to properly follow the security procedure detailed in these Terms and Conditions. Optotax will not be liable for any loss, damage or other liability arising from your failure to comply with these Terms or from any unauthorized access to or use of your Optotax Account. We will also have no liability and you agree to assume all risk of loss that arises out of or relates to any loss or theft of your device or any information contained within any device.

Risks: The use of a device such as mobiles, tablets and laptops involves risks as also does the usage of the internet. For example, sensitive personal information may be intercepted and used by third parties without your knowledge. Viruses, spyware and other "malicious code" can also be downloaded to your devices without your knowledge. By using a device and internet to access the Sites, you assume all of those risks and agree that we will have no liability whatsoever to you for any loss or theft (including identity theft) occurring as a result of such risks.

Data Protection and Encryption: Our platform is Payment Card Industry (PCI) Data Security Standard (DSS) certified and we adhere to ISO 27001 standards for providing the Services. We have implemented technical and organizational measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration or disclosure. Data transferred via the Sites is encrypted in an effort to provide transmission security. Notwithstanding our efforts to ensure that the Sites are secure, you acknowledge that internet transmissions are inherently insecure and that all data transfers occur openly and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing our Sites will not be monitored or read by others.

Additional Security Procedures: We may from time to time use reasonable additional or alternative procedures to ensure the security and confidentiality of your data through our Sites. At all times you agree to comply with all security procedures we may impose in connection with your use of the Sites. You agree that all security procedures we use are commercially reasonable, and to the extent allowed by law, you assume all risk of loss for unauthorized transactions where we have followed our then-current security procedures.

Data Localization: We maintain all data, obtained in the course of providing our services exclusively, within the geographical boundaries of India. This includes, but is not limited to, user information and any other data collected during the performance of our services.

Duty of Reasonable Care: We will exercise good faith and reasonable care in processing your data in accordance with these Terms and Conditions. You will similarly exercise good faith and reasonable care in:

(i) using the Site,

(ii) observing and maintaining security procedures,

(iii) communicating with us, and

(iv) In reviewing your reporting records for any errors or discrepancies.

Unless specifically permitted by the User, usage of the Services does not grant Us the license to use, reproduce, adapt, modify, publish or distribute the content created and/or stored in the User Account. Notwithstanding the above, the User grants Us the permission to access, copy, distribute, store, transmit, reformat, or disclose the data/content of the User Account for the purpose of providing the Services requested/availed by the User.

The User may transmit or publish content created by using any of the Services or otherwise. However, the User shall be solely responsible for such content and the consequences of its transmission or publication. Any content that the User may receive from third-parties while using the Services, is provided to the User on an 'AS IS' basis for their information and personal use only and the User agrees not to use, copy, reproduce, distribute, transmit, broadcast, display, sell, license or otherwise exploit such content for any purpose, without the express written consent of the person who owns the rights to such content.

User undertakes that it shall not do any act or post, display, upload, modify, publish, transmit, update or share any information that:

• belongs to another person and to which the User does not have any right;
• is grossly harmful, harassing, blasphemous, obscene, pornographic, paedophilic, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever;
• infringes any patent, trademark, copyright or other intellectual proprietary rights of any third party;
• violates any law for the time being in force;
• impersonates another person;
• contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of the Optotax Platform;
• is prohibited under applicable law(s) for the time being in force including the Bharatiya Nyaya Sanhita, 2023, as amended from time to time and rules made there under; and
• threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation, content that promotes enmity between different groups based on religion or caste with the intent to incite violence, and which communicates misinformation.

You are also prohibited from:

• violating or attempting to violate the integrity or security of the Optotax Platform or any Content thereto;
• transmitting any information on or through the Platform that is disruptive or competitive to the provision of Service(s) by Optotax;
• making any unsolicited communications to other Users;
• using any engine, software, tool, agent or other device or mechanism (such as spiders, crawlers, robots, avatars or intelligent agents) to navigate or search the Optotax Platform;
• attempting to decipher, decompile, disassemble or reverse engineer any part of the Optotax Platform; or
• copying or duplicating in any manner any of the content or other information made available from the Optotax Platform.

We are not responsible for the accuracy, completeness or correctness of the information made available on the Optotax Platform. The material on the Optotax Platform is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on the Optotax Platform is at the User's own risk. The Optotax Platform may contain certain historical information. Historical information may not necessarily be updated and is provided for the User's reference only. We reserve the right to modify the contents of the Optotax Platform at any time without any obligation to update any information on the Optotax Platform. The User agrees that it is the User's responsibility to monitor changes on the Optotax Platform.

For your convenience, the Optotax platform prefills GST details and certain passwords to facilitate easy access and navigation. This prefilling is designed solely to simplify your workflow and enhance your user experience. By using our platform, you acknowledge that:

• All prefilled information is obtained from authorized sources or provided by you
• The accuracy of prefilled information should always be verified by you before submission
• You remain responsible for the accuracy of all information submitted through our platform
• We make no warranties regarding the completeness or accuracy of any prefilled information

The Optotax platform provides various GST reconciliation tools and calculations to assist with your GST compliance requirements. While we strive for accuracy in all calculations, please note:

• All calculations and reconciliations are based on the data available to us through the GST portal and information you provide
• The accuracy of any calculation depends on the accuracy and completeness of the underlying data
• These tools are provided to assist your decision-making but are not a substitute for professional judgment
• We recommend verifying all calculations before making any filings or business decisions
• We do not accept liability for any errors or omissions in calculations resulting from incomplete or inaccurate input data

The Optotax Platform may refer to or may contain, links to third-party websites, applications, services and resources. We provide these links only as a convenience to the User to avail certain services and should not be construed as an endorsement of these third-party websites applications and services by Optotax. We make no representation or warranty of any kind regarding the accuracy, reliability, effectiveness, or correctness of any aspect of any third-party services, and consequently, We are not responsible for the content, products or services that are available from these third-party services. The User is responsible for reading and understanding the terms and conditions and privacy policy that applies to the User's use of any third-party services, and the User acknowledges its sole responsibility and assume all risks arising from User's use of any third-party services.

The Optotax Platform shall not allow any party and/or entity that steal data, secretly monitor or harm Users, or are otherwise malicious. Therefore, the following are expressly prohibited:

• viruses, trojan horses, malware, spyware or any other malicious software.
• apps/websites that link to or facilitate the distribution or installation of malicious software.
• apps/websites that introduce or exploit security vulnerabilities.
• apps/websites that steal User's authentication information (such as usernames or passwords) or that mimic other apps or websites to trick Users into disclosing personal or authentication Data.
• apps/websites that install other apps on a device without the User's prior consent.
• apps/websites designed to secretly collect device usage, such as commercial spyware apps.

All copyrights, patents, trade secrets, know-how, trademarks, service marks, trade names, moral rights and other intellectual property and proprietary rights ("IPR") in the Optotax Platform shall remain the sole and exclusive property of Optotax and its licensors/partners, as applicable. The IPR may not be copied, reproduced, distributed, transmitted, broadcasted, displayed, sold, licensed, uploaded, or otherwise exploited without the prior written consent of Optotax.

You understand and agree that nothing contained in these Terms shall be deemed or construed as creating a partnership or joint venture between the User and Us, or deemed to cause any party to be responsible in any way for the debts and obligations of the other party.

You will not describe (whether online or otherwise) Yourself as an agent or representative of Optotax or make any representations to any User or any third party or give any warranties which may require Us or Service Providers to undertake or be liable for, whether directly or indirectly, any obligation and/or responsibility to the User or any third party.

The User agrees not to disclose or attempt to use or personally benefit from any non-public information that it may learn or discover on the Website or through the Services. This obligation shall continue until such time as the non-public information has become publicly known through any action of the User. If the User is compelled by order of a court or other governmental or legal body (or have notice that such an order is being sought) to divulge any such non-public information, the User agrees to promptly and diligently notify Us and cooperate fully with Us in protecting such information to the extent possible under applicable law.

We may access, preserve and disclose any of User's information if required to do so by applicable law, or if we believe in good faith that it is reasonably necessary to (i) respond to claims asserted against Us or to comply with legal process, (ii) for fraud prevention, risk investigation, User support, product development and de-bugging purposes, or (iii) protect Our rights, property or ensuring safety of the Users or members of the public.

In providing the services via Optotax Platform, We shall be entitled to rely upon all electronic communications, orders or messages sent to Us to the extent they are in compliance with any applicable laws. We shall not be obligated to verify or make further inquiry into the identity of the sender, or the message integrity, of any communications, orders or messages.

We will endeavour to ensure that access to and availability of the Optotax Platform remains uninterrupted and error-free. However, access to the application may occasionally be suspended or restricted to allow for repairs, maintenance, or for the introduction of new facilities and Services and in such cases We shall not be liable for the disruption of any of the Services. We reserve the right to determine the timing and content of software updates, which may be automatically downloaded and installed by an application without prior notice to the User.

The Services are provided on an as-is-and-as-available basis. We expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose. We make no warranty that the Services will be uninterrupted, timely, secure, or error free. To the maximum extent permitted by law, the entire risk arising out of the User's access of and use of the Website and Services, remains with the User. A separate limitation over liability shall be applicable to each of the Services.

We shall not be liable for any breach of these Terms due to any force-majeure event that prevents or delays performance of our obligations under these Terms. Force-majeure events would include but not limited to lockdown, such as act of God, fire, lightning, explosion, flood, adverse weather conditions, power failures, failure in any communication systems, equipment breakdown, strikes, lock-out, pandemic, endemics, or any other cause beyond the control of Optotax. We shall not be liable to You for any indirect Losses, special, consequential or punitive damages or Losses, including but not limited to, loss of business or data or profits or goodwill.

The User shall keep Us indemnified from and against any and all liability (including but not limited to liabilities, judgments, damages, losses, claims, costs and expenses,) or any other loss that may occur, arising from or relating to any claim, suit or proceeding brought against Us by another User/third party for reasons including, but not limited (i) a breach, non-performance, non-compliance or inadequate performance by the User of any of the terms, conditions, representations, obligations or warranties made by him/her; (ii) any acts, errors, fraud, misrepresentations, wilful misconduct or negligence of the User, or their employees, subcontractors and agents in performance of their obligations under these Terms.

By accepting these terms You acknowledge and consent that the You may receive notifications from Us via text messages including SMS or through WhatsApp or through emails, for the purpose of collecting feedback. You understand that receipt of non-service related communications can be deactivated from User Account settings or by sending an email to [email protected] or by ab-initio not consenting to receive these communications. The User acknowledges that the SMS service provided by Us is an additional facility provided for the User's convenience and that it may be susceptible to error, omission and/or inaccuracy.

In the event (a) the User breaches these Terms; (b) the User engages in or is suspected of engaging in any illegal, fraudulent or abusive activity; or (c) the User provides any information that is untrue, inaccurate, not current or incomplete or We have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, or not in accordance with these Terms, Optotax reserves the right, to suspend/terminate such User's access to any or all of the Optotax Platform and Services without notice, and this will be without prejudice to Optotax's right to exercise any other remedy available to it under applicable law.

In the event Optotax identifies any suspicious or unusual activity being carried out by the User on the Optotax Platform, Optotax at its discretion may temporarily or permanently suspend the User's access to the Optotax Platform and/or take any such actions necessary to mitigate risk.

Optotax reserves the right to suspend/discontinue Optotax account for the User for any reason whatsoever. This includes but is not limited to the following grounds, based on suspicion or otherwise:

• Violation of any of these Terms;
• Discrepancy in the information provided by the User;
• To prevent potential fraud, sabotage, wilful destruction or threat to national security;
• Where Optotax in its sole opinion and discretion believes that cessation/suspension of the Optotax is necessary to meet the ends of justice.
• violating or attempting to violate the integrity or security of the Optotax Platform or any Content thereto;
• transmitting any information on or through the Platform that is disruptive or competitive to the provision of Service(s) by Optotax;
• making any unsolicited communications to other Users;
• using any engine, software, tool, agent or other device or mechanism (such as spiders, crawlers, robots, avatars or intelligent agents) to navigate or search the Optotax Platform;
• attempting to decipher, decompile, disassemble or reverse engineer any part of the Optotax Platform; or
• copying or duplicating in any manner any of the content or other information made available from the Optotax Platform.

Without prejudice to the provisions mentioned below, these Terms are subject to the laws of India and any disputes arising out of or in connection with the Terms will be subject to the exclusive jurisdiction of the competent courts at Bangalore, India.

Optotax and the User acknowledge and agree that, in the event of any dispute/claim between arising out of or in connection with the Terms: (a) the transaction logs maintained by Us will be the only source of data to verify the accuracy of such transactions; (b) such logs will be fully binding as evidence for the purposes of adjudicating the said dispute/claim; and (c) the said dispute/claim shall be settled by binding arbitration in accordance with the Arbitration and Conciliation (Amendment) Act, 1996 and the rules of the Conciliation and Arbitration Centre, Bangalore as amended from time to time with the exclusive seat of arbitration at Bangalore, India.

If any part of these Terms is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth herein, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms shall continue in effect.

You may contact us with any enquiry, complaints or concerns by writing to our support team at the coordinates mentioned below:

Grievance Redressal Officer – Mr. Premjith MR
Email: [email protected]
Hours: 10 AM to 7 PM (Monday to Friday)

Physical Address:
Open Financial Technologies Private Limited
3rd Floor, Tower 2, RGA Techpark
Sarjapur - Marathahalli Rd, Carmelaram
Hadosiddapura, Chikkakannalli
Bengaluru, Karnataka 560035