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access particular features and functionalities of the Platform (“Graphy's Fee”/ “Fee(s)”) through multi-tiered paid plans as described on ourPricing Page (“Subscription”/“Subscription Plan”). Please read the below terms applicable for the purchase of your Subscription: We offer various types of Subscription Plans, and Graphy’s Fee structure for each Subscription Plan differs. Please go through the details provided on our Pricing Page carefully before making any purchase. Our billing cycles depend on the Subscription Plan you select while purchasing. Payment will be charged to your chosen payment method at confirmation of your purchase in accordance with the billing cycle applicable for your Subscription Plan. We may use third-party service provider(s) to manage all our Subscriptions, including their purchases, renewals, cancellations, and invoicing (“Subscription Manager(s)”). Accordingly, we may not collect any payment related information such as credit/debit card details, UPIs, and bank account details from you, and all such Sensitive Personal Data, in such cases, shall be collected and processed by such Subscription Manager(s). Subject to your authorization and applicable laws, You agree that Graphy may, if applicable, as per your chosen Subscription Plan, charge any recurring service to the credit card or debit card that you provide at the time of your first purchase of the Subscription through the Subscription Manager(s) or as updated by you through the Subscription Manager(s), provided such updation takes place prior to upcoming billing period, as applicable. You agree to pay all fees and charges that are made to your account and that you are solely responsible for payment of these fees and charges. If you have not completed payments for your Subscriptions, we may restrict your access to the Platform until your account becomes current and paid in full. Your payments to Graphy shall be subject to applicable taxes including without limitation Goods and Service Taxes (GST) and Value Added Taxes (VAT) or other similar taxes as may be applicable in your country of residence/from where you have created your account on the Platform/ purchased the underlying Subscriptions. We reserve the right to pursue fees owed to us using collection methods which may include charging other payment methods on file with us and/or retaining collection agencies or legal counsel. If you are unclear on the payments applicable to your Subscription Plan, then please write to us at the email address provided in the 'Contact for User Support/Queries' section below. We reserve the right to change/revise the pricing of the Subscriptions. For existing Subscriptions for which the applicable fees have been already received by us, we will implement the price changes during the next billing period or renewal of the Subscription. We further reserve the right to offer custom plans and pricing in addition to what is offered on the Pricing Page, which include offering custom billing and payment terms, that are different from our standard terms. We have also enabled integration of third-party payment providers to facilitate better payment options to you, which may vary depending on your territory or the Subscription you choose (“Third-Party Payment Providers”). Third-Party Payment Providers may also charge you fees to use or access their services and may require your Personal Data to complete any transaction for the Platform. Further, to facilitate completion of your payments to us through the Platform or avail the payment options provided to you, you may be redirected to an external website operated by the Third-Party Payment Provider(s). Further, pursuant to the payment option you may choose, you may be required to enter into a separate agreement with the relevant Third-Party Payment Provider. This agreement with the Third-Party Payment Provider is an independent contract/agreement between you and such Third-Party Payment Provider and Graphy shall in no manner be a party to the same. Graphy only facilitates various payment options to you and is not offering the payment by itself in any manner. You agree that you are solely responsible for all charges that occur through such Third-Party Payment Providers and acknowledge and agree to indemnify, defend, and hold harmless Graphy, its licensors, their affiliates, and their respective officers, directors, employees, and agents from any loss arising out of or related to the use of the Platform or any purchases made through the Platform. This obligation will survive your use of the Platform and termination of your Agreement with us. Graphy cannot and does not (i) guarantee the adequacy of the privacy and security practices employed by or the content and media provided by the Third-Party Service Providers or its respective websites or (ii) control collection or use of your Personal Data by such Third-Party Service Providers. Hence, prior to using any services offered by a Third-Party Service Providers, we suggest that you read their terms and conditions, privacy policy and other policies, that may apply, to understand their terms of usage and to understand how your Personal Data is being processed. Graphy is not affiliated to any Third-Party Service Provider and neither Graphy nor any of the Third-Party Service Providers are agents or employees of the other. For the purpose of the Platform Terms- “Third-Party Service Providers” shall mean and include Subscription Manager(s), Third-Party Payment Providers, and any third-party payment gateways and/or aggregators used to collect payments of Graphy's Fee or used by the Creators to collect their Creator Fee(s) or such other payments from their End- Users. “Loss” means all losses, liabilities, damages, awards, settlements, claims, suits, proceedings, costs, and expenses (including reasonable legal fees and disbursements and costs of investigation, litigation, settlement, judgment, interest, and penalties). Graphy shall not be liable to you for any claims arising out of any act or omission on the part of the Third-Party Service Provider(s) including, but not limited to, any lost, stolen, or incorrectly processed payments. Graphy expressly disclaims any responsibility and liability for all services provided by the Third-Party Service Provider(s). Please note that all Fee(s) payments are collected by Graphy only through the Platform and not through any third parties (except Third-Party Service Provider(s)). We do not usually authorize any third party (except Third-Party Service Provider(s)) to collect monies on our behalf; however, if we have authorized any third party then such third party will have received a written authorization from Graphy either by way of any agreement or an authorization letter. Kindly verify with such third party before you make any payments to them, alternatively, you can always check with us by writing to us at email address provided under the 'Contact for User Support/Queries' section below. Further, Graphy is solely authorized to offer discounts / offers, if any, on Graphy's Fee. These discounts / offers are communicated on the Platform or via direct communication to you from Graphy via email, SMS, phone, or such other means of communication, and can be availed only through the Platform, unless otherwise specifically communicated by Graphy. Other than Graphy, no person is allowed to offer any discounts on Graphy's Fee offered on the Platform. Graphy shall not be liable for any claims arising from such unauthorized discounts / offers offered by any person (including any third-party platform), other than Graphy. Cancellation and Refund Policy: You may cancel your Subscription by either writing to us at care@graphy.com or through your account on the Platform. However, please note there shall be no refund of the Fee already paid for your Subscription, unless otherwise specified in the Refund Policy. So, please read these Terms of Service and the Refund Policy carefully before subscribing to any of the Subscriptions. When you cancel your Subscription, Graphy may disable access to features available only to Creators who have purchased/renewed Subscription, while your account may continue to exist on the Platform. Payments w.r.t Creator's Fee: The Creator's Fee for the Content/services made available on the Creators' Page is solely determined by the respective Creators, and Graphy has no role in determining the same. The Creator must make available to their End-Users the terms and conditions in relation to the enrolment, use of Content and related services that may be provided by the Creator on their Page(s). With an intent to have a more user-friendly transaction model for payment of the Creator's Fee, we allow Creators to integrate various third-party payment aggregators to process payments for products, services, or other content purchased through the Creator's Page (“Third-Party Payment Aggregators”) by End Users. Third-Party Payment Aggregators made available to you may vary depending on your territory. Once selected, the Third-Party Payment Aggregator(s) may need you to create an account on their platform or provide the information of your existing account(s) with them and agree to such Third-Party Payment Aggregator's terms and conditions and privacy policy. Once you have enabled payments on the Platform and registered with the Third- Party Payment Aggregator(s) as stated above, you will see that they are responsible for directing and distributing payments for services purchased through your Page, including automatically sending receipts to your End-Users and directing payouts to you and any bank accounts identified by you. The Third-Party Payment Aggregator(s) will collect the amounts paid by your End-Users and remit the collected amounts to you after deduction of their fee, if any, and applicable taxes. Please note Third-Party Payment Aggregators may also charge you fees to use or access their services and may require your personal data to complete any transaction for the Platform. Hence, prior to using any services offered by a Third-Party Payment Aggregators, we suggest that you read their terms and conditions, privacy policy and other policies, that may apply, to understand their terms of usage and to understand how your data is being processed; this is also because, when you use the services or platform offered by such Third-Party Payment Aggregator, you agree to their respective terms and policies. Graphy is not affiliated with their Third- Party Payment Aggregators and neither Graphy nor any of the Third-Party Payment Aggregators are agents or employees of the other. Further, if you have purchased a Subscription Plan that requires you to share your revenue with Graphy, then your Creator's Fee may be paid to you by the Third-Party Payment Aggregators after deducting Graphy's share, as agreed and applicable. Please read the Pricing Page and other terms, if any, specified on the Platform in this regard. Please note: You may not bypass or circumvent the payment mechanism offered by the Platform by soliciting payment from an End-User outside the Platform in any manner including by using any alternative method to collect the Creator Fee and/or fee/monies for any service offered by the Creator on the Platform such as receiving payments through links to digital wallet platforms like Google Pay, Paypal or such other online payment system or electronic wallets. Further, please note the below terms: In respect of your transaction, you are solely responsible for all applicable Goods and Services Taxes ('GST') , EU Value Added Taxes ('VAT'), or other similar taxes as may be applicable in your country of residence, costs, filings, and any other activities that may arise as a result of sales of your Content / services using the Platform. Neither is Graphy responsible to nor does it collect, pay, remit or otherwise pay on your behalf, the taxes owed by you (including GST or EU VAT) on the services you sell through your Page. You set the Creator's Fee of each service offered by you through your Page at your sole discretion and without any input from Graphy. All invoices made to your End-Users through the respective Third-Party Payment Aggregator shall indicate that you are the supplier of the services offered by you on through your Page. End-Users' invoices shall identify the name and nature of the services offered by you that was purchased. As stated, payments in respect of your services offered by you through your Page are processed by Third-Party Payment Aggregators, hence, neither is Graphy a party to the authorization process nor is Graphy responsible for authorizing credit card charges through such Third-Party Payment Aggregators. You are responsible for making available the terms and conditions, privacy policy and refund policy applicable for your Page. It is further agreed by you that you shall indemnify, defend, and hold harmless Graphy and its directors, officers, agents, employees, successors, assignees, agents and authorized representatives against any loss of credit, tax, interest and/or penalty resulting from your failure to refund Creator's Fee in accordance with your policies, remit the applicable taxes to the respective authority within the stipulated time period, or your failure to otherwise conform to applicable laws. 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Subject to your authorization and applicable laws, You agree that Graphy may, if applicable, as per your chosen Subscription Plan, charge any recurring service to the credit card or debit card that you provide at the time of your first purchase of the Subscription through the Subscription Manager(s) or as updated by you through the Subscription Manager(s), provided such updation takes place prior to upcoming billing period, as applicable.\nYou agree to pay all fees and charges that are made to your account and that you are solely responsible for payment of these fees and charges. If you have not completed payments for your Subscriptions, we may restrict your access to the Platform until your account becomes current and paid in full.\nYour payments to Graphy shall be subject to applicable taxes including without limitation Goods and Service Taxes (GST) and Value Added Taxes (VAT) or other similar taxes as may be applicable in your country of residence/from where you have created your account on the Platform/ purchased the underlying Subscriptions.\nWe reserve the right to pursue fees owed to us using collection methods which may include charging other payment methods on file with us and/or retaining collection agencies or legal counsel.\nIf you are unclear on the payments applicable to your Subscription Plan, then please write to us at the email address provided in the 'Contact for User Support/Queries' section below.\nWe reserve the right to change/revise the pricing of the Subscriptions. For existing Subscriptions for which the applicable fees have been already received by us, we will implement the price changes during the next billing period or renewal of the Subscription.\nWe further reserve the right to offer custom plans and pricing in addition to what is offered on the Pricing Page, which include offering custom billing and payment terms, that are different from our standard terms.\nWe have also enabled integration of third-party payment providers to facilitate better payment options to you, which may vary depending on your territory or the Subscription you choose (“Third-Party Payment Providers”).\n\nThird-Party Payment Providers may also charge you fees to use or access their services and may require your Personal Data to complete any transaction for the Platform. Further, to facilitate completion of your payments to us through the Platform or avail the payment options provided to you, you may be redirected to an external website operated by the Third-Party Payment Provider(s).\n\nFurther, pursuant to the payment option you may choose, you may be required to enter into a separate agreement with the relevant Third-Party Payment Provider. This agreement with the Third-Party Payment Provider is an independent contract/agreement between you and such Third-Party Payment Provider and Graphy shall in no manner be a party to the same. Graphy only facilitates various payment options to you and is not offering the payment by itself in any manner.\n\nYou agree that you are solely responsible for all charges that occur through such Third-Party Payment Providers and acknowledge and agree to indemnify, defend, and hold harmless Graphy, its licensors, their affiliates, and their respective officers, directors, employees, and agents from any loss arising out of or related to the use of the Platform or any purchases made through the Platform. This obligation will survive your use of the Platform and termination of your Agreement with us.\n\nGraphy cannot and does not (i) guarantee the adequacy of the privacy and security practices employed by or the content and media provided by the Third-Party Service Providers or its respective websites or (ii) control collection or use of your Personal Data by such Third-Party Service Providers. Hence, prior to using any services offered by a Third-Party Service Providers, we suggest that you read their terms and conditions, privacy policy and other policies, that may apply, to understand their terms of usage and to understand how your Personal Data is being processed. Graphy is not affiliated to any Third-Party Service Provider and neither Graphy nor any of the Third-Party Service Providers are agents or employees of the other.\n\nFor the purpose of the Platform Terms-\n\n“Third-Party Service Providers” shall mean and include Subscription Manager(s), Third-Party Payment Providers, and any third-party payment gateways and/or aggregators used to collect payments of Graphy's Fee or used by the Creators to collect their Creator Fee(s) or such other payments from their End- Users.\n\n“Loss” means all losses, liabilities, damages, awards, settlements, claims, suits, proceedings, costs, and expenses (including reasonable legal fees and disbursements and costs of investigation, litigation, settlement, judgment, interest, and penalties). Graphy shall not be liable to you for any claims arising out of any act or omission on the part of the Third-Party Service Provider(s) including, but not limited to, any lost, stolen, or incorrectly processed payments. Graphy expressly disclaims any responsibility and liability for all services provided by the Third-Party Service Provider(s).\n\nPlease note that all Fee(s) payments are collected by Graphy only through the Platform and not through any third parties (except Third-Party Service Provider(s)). We do not usually authorize any third party (except Third-Party Service Provider(s)) to collect monies on our behalf; however, if we have authorized any third party then such third party will have received a written authorization from Graphy either by way of any agreement or an authorization letter. Kindly verify with such third party before you make any payments to them, alternatively, you can always check with us by writing to us at email address provided under the 'Contact for User Support/Queries' section below.\n\nFurther, Graphy is solely authorized to offer discounts / offers, if any, on Graphy's Fee. These discounts / offers are communicated on the Platform or via direct communication to you from Graphy via email, SMS, phone, or such other means of communication, and can be availed only through the Platform, unless otherwise specifically communicated by Graphy. Other than Graphy, no person is allowed to offer any discounts on Graphy's Fee offered on the Platform. Graphy shall not be liable for any claims arising from such unauthorized discounts / offers offered by any person (including any third-party platform), other than Graphy.\n\nCancellation and Refund Policy: You may cancel your Subscription by either writing to us at care@graphy.com or through your account on the Platform. However, please note there shall be no refund of the Fee already paid for your Subscription, unless otherwise specified in the Refund Policy. So, please read these Terms of Service and the Refund Policy carefully before subscribing to any of the Subscriptions. When you cancel your Subscription, Graphy may disable access to features available only to Creators who have purchased/renewed Subscription, while your account may continue to exist on the Platform.\n\nPayments w.r.t Creator's Fee: The Creator's Fee for the Content/services made available on the Creators' Page is solely determined by the respective Creators, and Graphy has no role in determining the same. The Creator must make available to their End-Users the terms and conditions in relation to the enrolment, use of Content and related services that may be provided by the Creator on their Page(s).\n\nWith an intent to have a more user-friendly transaction model for payment of the Creator's Fee, we allow Creators to integrate various third-party payment aggregators to process payments for products, services, or other content purchased through the Creator's Page (“Third-Party Payment Aggregators”) by End Users. Third-Party Payment Aggregators made available to you may vary depending on your territory. Once selected, the Third-Party Payment Aggregator(s) may need you to create an account on their platform or provide the information of your existing account(s) with them and agree to such Third-Party Payment Aggregator's terms and conditions and privacy policy. Once you have enabled payments on the Platform and registered with the Third- Party Payment Aggregator(s) as stated above, you will see that they are responsible for directing and distributing payments for services purchased through your Page, including automatically sending receipts to your End-Users and directing payouts to you and any bank accounts identified by you. The Third-Party Payment Aggregator(s) will collect the amounts paid by your End-Users and remit the collected amounts to you after deduction of their fee, if any, and applicable taxes. Please note Third-Party Payment Aggregators may also charge you fees to use or access their services and may require your personal data to complete any transaction for the Platform. Hence, prior to using any services offered by a Third-Party Payment Aggregators, we suggest that you read their terms and conditions, privacy policy and other policies, that may apply, to understand their terms of usage and to understand how your data is being processed; this is also because, when you use the services or platform offered by such Third-Party Payment Aggregator, you agree to their respective terms and policies. Graphy is not affiliated with their Third- Party Payment Aggregators and neither Graphy nor any of the Third-Party Payment Aggregators are agents or employees of the other.\n\nFurther, if you have purchased a Subscription Plan that requires you to share your revenue with Graphy, then your Creator's Fee may be paid to you by the Third-Party Payment Aggregators after deducting Graphy's share, as agreed and applicable. Please read the Pricing Page and other terms, if any, specified on the Platform in this regard.\n\nPlease note: You may not bypass or circumvent the payment mechanism offered by the Platform by soliciting payment from an End-User outside the Platform in any manner including by using any alternative method to collect the Creator Fee and/or fee/monies for any service offered by the Creator on the Platform such as receiving payments through links to digital wallet platforms like Google Pay, Paypal or such other online payment system or electronic wallets.\n\nFurther, please note the below terms:\nIn respect of your transaction, you are solely responsible for all applicable Goods and Services Taxes ('GST') , EU Value Added Taxes ('VAT'), or other similar taxes as may be applicable in your country of residence, costs, filings, and any other activities that may arise as a result of sales of your Content / services using the Platform. Neither is Graphy responsible to nor does it collect, pay, remit or otherwise pay on your behalf, the taxes owed by you (including GST or EU VAT) on the services you sell through your Page.\nYou set the Creator's Fee of each service offered by you through your Page at your sole discretion and without any input from Graphy.\nAll invoices made to your End-Users through the respective Third-Party Payment Aggregator shall indicate that you are the supplier of the services offered by you on through your Page.\nEnd-Users' invoices shall identify the name and nature of the services offered by you that was purchased.\nAs stated, payments in respect of your services offered by you through your Page are processed by Third-Party Payment Aggregators, hence, neither is Graphy a party to the authorization process nor is Graphy responsible for authorizing credit card charges through such Third-Party Payment Aggregators.\nYou are responsible for making available the terms and conditions, privacy policy and refund policy applicable for your Page. 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Accordingly, any reference to 'Creator's Page' or 'Page' shall mean and include the Creator's Application, as applicable, and all features made available to a Creator pursuant to the Subscription Plan purchased by the Creator. As a Creator, you or the entity on whose behalf you have created an account on the Platform (as may be the case), are/is the deemed account holder of the account so created by you. You have the option to provide limited or full access to your account to any of your Authorized Users who may be assigned various roles including the roles of admins, instructors, affiliates who promote your Page or Content, or subscribers. Please note that you shall be solely responsible for any and all acts or omissions by your Page Users. Accordingly, the Platform Terms and any other specific terms you may have agreed to in writing (emails included) with Graphy in association with your use of the Platform, shall be deemed to be applicable to all your Page Users. 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You are solely responsible for publishing any terms and conditions, privacy policies and any other terms and conditions or policies that shall be applicable for your Page Users. All terms and policies made available by you must be in compliance of the applicable laws, including Data Protection Laws (as defined in the Privacy Policy) and the Platform Terms. Graphy may make available informational materials through articles, templates and/or frequently asked questions (FAQs) on the Platform for your reference. However, such materials are informational in nature only, and must not be considered as legal advice or documentation. Graphy provides no warranty, express or implied, in respect of such informational materials, including as to their completeness or legal impact. We suggest that you seek professional legal advice prior to publishing any terms or policies on your Page at your own expense to ensure your compliance with all applicable laws and the Platform Terms. 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(b) Your Finfluencer Content must not host, display, upload, modify, publish, transmit, store, update or share any information that: (i) is defamatory, obscene, pornographic, pedophilic, invasive of another's privacy, including bodily privacy, insulting or harassing on the basis of gender, libelous, racially or ethnically objectionable, relating or encouraging money laundering or gambling, or otherwise inconsistent with or contrary to the laws of India; (ii) infringes any patent, trademark, copyright or other proprietary rights of any person; (iii) violates any law for the time being in force; (iv) deceives or misleads the addresses about the origin of the message or knowingly and intentionally communicates any information which is patently false or misleading in nature but may reasonably be perceived as a fact; (v) impersonates another person; (vi) 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 other nation; (vii) contains software virus or any other computer code, file or programme designed to interrupt, destroy or limit the functionality of any computer resource; (viii) is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury to any person. (c) Your Finfluencer Content must not infringe upon or misappropriate the intellectual property rights, privacy rights, publicity rights, or any other rights of any third party. 3.3. End Customer Relationship: (a) You are solely responsible for handling all inquiries, complaints, and support requests from End Users related to your Finfluencer Content & Services. (b) You must provide accurate descriptions of your Finfluencer Content & Services, pricing, and refund policies (if any), which must comply with the Consumer Protection Act,2019. (c) You shall be the data fiduciary under the Data Protection Act, 2023 in respect of the personal data collected from the End Users and all obligations towards the End Users in respect of the personal data collected from them shall rest with you. Please note that Graphy as the data processor only collects and processes personal data of your End Users on your behalf. 3.4. Platform Usage: (a) You must provide accurate, complete, and truthful information when registering and using the Platform. (b) You will use the Platform only for lawful purposes and in accordance with these Finfluencer Terms and Platform Terms. (c) You will not engage in any activity that interferes with or disrupts the Platform or the servers and networks connected to the Platform. (d) You will not attempt to gain unauthorized access to any portion of the Platform or any other accounts, computer systems, or networks connected to Graphy. 3.5. Prohibited Financial Activities (Specific to India): You are prohibited from using the Platform to: (a) Provide Investment Advice or Research Analysis without being a SEBI registered IA or RA, respectively. (b) Make guaranteed returns or unrealistic performance claims for any investment product or strategy. (c) Engage in or promote pump-and-dump schemes, insider trading, market manipulation, or any other fraudulent or unfair trade practice under SEBI regulations. (d) Offer or promote collective investment schemes or other financial products that require specific regulatory approval in India, unless you possess such approval and disclose it. (e) Mislead End Users about the risks involved in financial markets or specific investments. (f) Collect personal data from End Users in violation of Applicable Law, including data privacy rules in India. (g) Indulge in unregulated financial advisory or distribution activities. (h) Violate any of the covenants or obligations set forth in these Terms. 3.6 Monitoring and Assessment: The Finfluencer may undertake continuous monitoring and assessment of the Graphy Platform, and any third party subcontractors engaged by Graphy on behalf of the 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Legal Compliance & Licensing (CRITICAL FOR FINFLUENCERS IN INDIA): (a) You represent and warrant that you will comply with ALL Applicable Law in connection with your use of the Platform, creation of Finfluencer Content, provision of Finfluencer Services, and interaction with your End Users. (b) YOU SPECIFICALLY REPRESENT AND WARRANT THAT IF YOUR CONTENT OR SERVICES CONSTITUTE \"INVESTMENT ADVICE\" OR \"RESEARCH ANALYSIS\" AS DEFINED UNDER SEBI (INVESTMENT ADVISERS) REGULATIONS, 2013 OR SEBI (RESEARCH ANALYSTS) REGULATIONS, 2014 RESPECTIVELY, YOU ARE DULY REGISTERED WITH SEBI AS AN INVESTMENT ADVISER (IA) OR RESEARCH ANALYST (RA) AND POSSESS ALL NECESSARY LICENSES, REGISTRATIONS, PERMITS, OR APPROVALS REQUIRED UNDER APPLICABLE LAW. You shall provide proof of such registration and licenses to Graphy upon request and shall maintain such registration and licenses in good standing throughout the Term of this Agreement. 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However, if any violation of the User Guidelines and/or of any applicable laws is brought to our notice, then, as an 'intermediary' we reserve the right to take necessary actions in order to comply with our obligation under the Information Technology Act, 2000, or the Digital Millennium Copyright Act (as amended from time to time) or other equivalent / similar legislations; such actions, without limitation, may include, refusal to allow access to your account on the Platform, suspension of Services or your account, terminate your accounts or remove such violating content at any time.","absoluteBoundingBox":{"x":44446.0,"y":77160.0,"width":343.0,"height":936.0},"isolatedAbsoluteRenderBounds":{"x":44446.0,"y":77165.8203125,"width":342.21875,"height":927.453125},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,102.0]],"size":{"x":343.0,"y":936.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.529411792755127,"g":0.549019634723663,"b":0.564705908298492,"a":1.0},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2],"characters":"Your conduct on the Platform shall strictly be in accordance with the User Guidelines published on the Platform.\nFurther, you understand and confirm that you shall not during your use of the Platform at any time host, display, modify, post, publish or allow transmission of any content, comments, or act on or through your Page in any way which will amount to harassment of any other User or Page User. If at any given point it comes to Graphy's notice that you have engaged in any kind of harassment of other Users or Page Users, then in such a case you agree that Graphy shall have the sole right to suspend/terminate your account with immediate effect and without any notice of such suspension or termination; and we also reserve the right in our sole discretion to initiate any legal proceedings against you in such cases.\nWe are not obligated to monitor any content published on the Platform or review the conduct occurring on or through the Platform, including the interactions between the Creators and their End-Users. However, if any violation of the User Guidelines and/or of any applicable laws is brought to our notice, then, as an 'intermediary' we reserve the right to take necessary actions in order to comply with our obligation under the Information Technology Act, 2000, or the Digital Millennium Copyright Act (as amended from time to time) or other equivalent / similar legislations; such actions, without limitation, may include, refusal to allow access to your account on the Platform, suspension of Services or your account, terminate your accounts or remove such violating content at any time.","lineIndentations":[0,0,0],"lineTypes":["NONE","NONE","NONE"],"listStartOffsets":[],"lineStyleOverrides":[0,0,0],"lineTextDirections":null,"textAutoResize":"HEIGHT","style":{"styleIdForText":"StyleId:6d53e54813664ad8965f09f05bf2487e0828f66a/56:9","fontFamily":"Inter","fontPostScriptName":null,"fontStyle":"Regular","textAutoResize":"HEIGHT","fontVariantPosition":"NORMAL","fontSize":16.0,"textAlignHorizontal":"LEFT","textAlignVertical":"TOP","letterSpacing":-0.08,"letterSpacingValue":-0.5,"letterSpacingUnit":"PERCENT","lineHeightPx":24.0,"lineHeightPercent":123.943664550781,"lineHeightPercentFontSize":150.0,"lineHeightUnit":"PIXELS","paragraphSpacing":0,"paragraphIndent":0,"listSpacing":0,"italic":false,"textCase":"ORIGINAL","textDecoration":"NONE","textDecorationSkipInk":false,"textDecorationStyle":"solid","textTruncation":"DISABLED"},"styleOverrideTable":{"2":{"styleIdForText":"StyleId:6d53e54813664ad8965f09f05bf2487e0828f66a/56:9","fontFamily":"Inter","fontPostScriptName":null,"fontStyle":"Regular","hyperlink":{"type":"URL","url":"https://graphy.com/legal/user-guidelines/","openInNewTab":true},"textAutoResize":"WIDTH_AND_HEIGHT","fontVariantPosition":"NORMAL","textDecoration":"UNDERLINE","isOverrideOverTextStyle":true,"fontSize":16.0,"letterSpacing":-0.08,"letterSpacingValue":-0.5,"letterSpacingUnit":"PERCENT","lineHeightPx":24.0,"lineHeightPercent":123.943664550781,"lineHeightPercentFontSize":150.0,"lineHeightUnit":"PIXELS","inheritTextStyleId":"1:30","paragraphSpacing":0,"paragraphIndent":0,"listSpacing":0,"italic":false,"textCase":"ORIGINAL","textDecorationSkipInk":false,"textDecorationStyle":"solid","textTruncation":"DISABLED"}}},"4428:22174":{"type":"TEXT","id":"4428:22174","name":"Graphy's Intellectual Property: Graphy owns all information and materials (in whatever form or media) provided or communicated or licensed to you by or on behalf of Graphy including but not limited to, the Platform, the trademarks, illustrations, letters, images, ideas, concepts, the layout, design, flow, look and feel of the Platform, logos, marks, graphics, audio files, video files, any software which is owned by or licensed to Graphy, the underlying source and object code, instructions embedded in any form of digital documents and other data, information, or material made available to you by Graphy (“Graphy's Intellectual Property” or “Graphy's IP”). Graphy's IP specifically excludes any Content on Creator's Page (defined under the 'Your Content and Ownership' section below) and any content uploaded by other Users on the Platform, including any brand names and trademarks that are not owned by Graphy. Graphy's IP will not be used, modified, or altered by you in any way. You acknowledge and agree that you do not acquire any ownership or rights to the Graphy's IP by use of the Platform. You acknowledge and agree that the Graphy's IP is protected by the copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws and any unauthorize use, reproduction, modification, distribution, transmission, republication, display, or performance of the Graphy's IP and/or any component thereof is strictly prohibited and may result in legal / penal consequences. It is further clarified that, Graphy, its logo, and other marks indicated on our Platform are our trademarks or registered trademarks. Platform's graphics, logos, page headers, button icons, scripts and service names are the trademarks or trade dress of the Platform. Graphy's trademarks and trade dress may not be used in connection with any product or service that is not Graphy's, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Graphy. All other trademarks not owned by Graphy that appear on this Platform are the property of their respective owners, who may or may not be gated with, or connected to Graphy. Licence to use the Platform: As a Creator, Graphy grants you and your Authorized Users a limited, non-exclusive, non-transferable, non-sublicensable licence to access and use the Platform for your own personal and commercial use in accordance with the Platform Terms. Further, to facilitate your services to your End-Users through the Platform, Graphy grants your End-Users, a limited, non-exclusive licence to access and use the Platform through your Page for their own personal use. This licence does not grant your End-Users the right to assign or sublicense the licence granted hereunder to anyone else. Except as expressly permitted under the Platform Terms or otherwise in writing, you will not, either by yourself or through any other person, reproduce, duplicate, copy, sell, redistribute, create derivative works or otherwise exploit the Platform or any portion of the Platform (including but not limited to any copyrighted material, trademarks, or other proprietary information). Restrictions on usage of the Platform: The licence granted to you and your Page Users by Graphy, is limited to the purpose defined under the Platform Terms. Neither you nor your Page Users shall use the Platform for any purpose or in any manner other than as expressly permitted under the Platform Terms, and you shall not, either by yourselves or through any other person, do or cause the doing of, any act or omission that would result in: distribution of any part of the Platform or the Graphy's IP (as defined above), through any mode or medium, without Graphy's prior written authorization. alteration or modification of or tampering with any part of the Platform or result in creation of other derivative works of the Platform or the Services offered therein. reverse engineering, disassembly, or de-compilation of the Platform or any part thereof or result in derivation of the source code of any software included in the Platform or made available to you as part of the Services using means or processes that are deemed unauthorized and/or illegal. accessing or using the Platform in a way intended to avoid incurring fees or exceeding usage limits or quotas. gaining access to another User's content to which you do not have authorized or legitimate access. circumvention or attempt to circumvent any limitations imposed on your account; probing, scanning, or testing of the vulnerability of any system or network used by Graphy, unless Graphy has given you a prior written authorization. the use of Services to collect or store any Sensitive Personal Data (as defined in our Privacy Policy) including personal health information, banking and credit card information; and if you do use the Platform and/or the Services to collect, store or otherwise process any Sensitive Personal Data, then you do so at your own risk and you are responsible for ensuring compliance with all applicable laws; sale of access to the Platform (other than as permitted under the Platform Terms) or sale of any advertising, sponsorship or promotion space on or within the Platform, without Graphy's prior written approval. use or launch of any automated system, including without limitation, “robots,” “spiders,” or “offline readers,” that accesses the Platform in a manner that sends more request messages to Graphy's servers in a given period of time than a human can reasonably produce in the same period by using a conventional on-line web browser. unauthorized collection or harvesting of any personally identifiable information, including account names, from the Platform, or in unauthorized use of the communication systems provided by the Platform. extraction of any substantial parts of this Platform for re-utilization, including through utilization of any data mining tools, robots, or similar data gathering and extraction tools, without Graphy's express prior written consent. purchase of search engine or other pay per click keywords (such as Google AdWords), or domain names that use the name 'Graphy' or Graphy's trademarks and/or variations and misspellings thereof. Other terms applicable for your use of the Platform: You agree to receive installs and updates from time to time from Graphy. These updates are designed to improve, enhance, and further develop the Platform and may take the form of bug fixes, enhanced functions, new software modules and completely new versions. You agree to receive such updates (and permit Graphy to deliver these to you) as part of your use of the Platform. Notwithstanding anything stated to the contrary herein in this section of the Platform Terms, Graphy grants the operators of public search engines permission to use spiders to copy materials from the Platform for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials. Graphy reserves the right to revoke these exceptions either generally or in specific cases at any time with or without providing any notice in this regard. You may post reviews, comments and other Content; send other communications; and submit suggestions, ideas, comments, questions or other information as long as the Content so submitted or sent is not illegal, obscene, threatening, defamatory, invasive of privacy, infringement of intellectual property rights, or otherwise injurious to third parties or objectionable, and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings or any other form of spam. You will not misrepresent or embellish the relationship between Graphy and you (including by expressing or implying that we support, sponsor, endorse, or contribute to you or your business endeavours). You will not imply any relationship or affiliation between Graphy and you. 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In the event that your use of bandwidth, storage, or other Services provided on the Graphy platform exceeds what is reasonable and proportionate to the Subscription Plan purchased by you, we reserve the right to take appropriate measures including but not limited to implementing bandwidth throttling, imposing storage limits, suspending or terminating your access to the services, in whole or in part, without liability.","absoluteBoundingBox":{"x":43198.0,"y":61013.0,"width":1080.0,"height":1920.0},"isolatedAbsoluteRenderBounds":{"x":43203.90625,"y":61018.81640625,"width":1071.98046875,"height":1911.63671875},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,63.0]],"size":{"x":1080.0,"y":1920.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.529411792755127,"g":0.549019634723663,"b":0.564705908298492,"a":1.0},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":"Graphy's Intellectual Property: Graphy owns all information and materials (in whatever form or media) provided or communicated or licensed to you by or on behalf of Graphy including but not limited to, the Platform, the trademarks, illustrations, letters, images, ideas, concepts, the layout, design, flow, look and feel of the Platform, logos, marks, graphics, audio files, video files, any software which is owned by or licensed to Graphy, the underlying source and object code, instructions embedded in any form of digital documents and other data, information, or material made available to you by Graphy (“Graphy's Intellectual Property” or “Graphy's IP”). Graphy's IP specifically excludes any Content on Creator's Page (defined under the 'Your Content and Ownership' section below) and any content uploaded by other Users on the Platform, including any brand names and trademarks that are not owned by Graphy. Graphy's IP will not be used, modified, or altered by you in any way. You acknowledge and agree that you do not acquire any ownership or rights to the Graphy's IP by use of the Platform. You acknowledge and agree that the Graphy's IP is protected by the copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws and any unauthorize use, reproduction, modification, distribution, transmission, republication, display, or performance of the Graphy's IP and/or any component thereof is strictly prohibited and may result in legal / penal consequences.\nIt is further clarified that, Graphy, its logo, and other marks indicated on our Platform are our trademarks or registered trademarks. 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(b) We receive a valid legal notice or government order requiring the removal of specific content. (c) We receive a notice from an affected person alleging violation of IT Rules 2021, and upon review, the content is found to be in violation.\n\n4.4. Compliance with Authorities: Graphy will cooperate with governmental and regulatory authorities (including SEBI, police, courts) as required by Applicable Law and may disclose information about Finfluencers and their Finfluencer Content as legally mandated.\n\n4.5. Platform Modifications: Graphy reserves the right to modify, suspend, or discontinue the Platform (or any part thereof) at any time, with or without notice. Graphy shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Platform.","lineIndentations":[0,0,0,0,0,0,0,0,0],"lineTypes":["NONE","NONE","NONE","NONE","NONE","NONE","NONE","NONE","NONE"],"listStartOffsets":[],"lineStyleOverrides":[0,0,0,0,0,0,0,0,0],"lineTextDirections":null,"textAutoResize":"HEIGHT","style":{"styleIdForText":"StyleId:6d53e54813664ad8965f09f05bf2487e0828f66a/56:9","fontFamily":"Inter","fontPostScriptName":null,"fontStyle":"Regular","textAutoResize":"HEIGHT","fontVariantPosition":"NORMAL","fontSize":16.0,"textAlignHorizontal":"LEFT","textAlignVertical":"TOP","letterSpacing":-0.08,"letterSpacingValue":-0.5,"letterSpacingUnit":"PERCENT","lineHeightPx":24.0,"lineHeightPercent":123.943664550781,"lineHeightPercentFontSize":150.0,"lineHeightUnit":"PIXELS","paragraphSpacing":0,"paragraphIndent":0,"listSpacing":0,"italic":false,"textCase":"ORIGINAL","textDecoration":"NONE","textDecorationSkipInk":false,"textDecorationStyle":"solid","textTruncation":"DISABLED"},"styleOverrideTable":{"2":{"styleIdForText":"StyleId:6d53e54813664ad8965f09f05bf2487e0828f66a/56:9","fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0352941192686558,"b":0.0313725508749485,"a":1.0},"visible":true,"opacity":1.0}],"inheritFillStyleId":"1:4378","paragraphSpacing":0,"paragraphIndent":0,"listSpacing":0,"italic":false,"textCase":"ORIGINAL","textDecoration":"NONE","textDecorationSkipInk":false,"textDecorationStyle":"solid","textAutoResize":"NONE","textTruncation":"DISABLED","lineHeightPercent":100,"lineHeightPercentFontSize":100}}},"4428:22301":{"type":"TEXT","id":"4428:22301","name":"3.1. Legal Compliance & Licensing (CRITICAL FOR FINFLUENCERS IN INDIA): (a) You represent and warrant that you will comply with ALL Applicable Law in connection with your use of the Platform, creation of Finfluencer Content, provision of Finfluencer Services, and interaction with your End Users. (b) YOU SPECIFICALLY REPRESENT AND WARRANT THAT IF YOUR CONTENT OR SERVICES CONSTITUTE \"INVESTMENT ADVICE\" OR \"RESEARCH ANALYSIS\" AS DEFINED UNDER SEBI (INVESTMENT ADVISERS) REGULATIONS, 2013 OR SEBI (RESEARCH ANALYSTS) REGULATIONS, 2014 RESPECTIVELY, YOU ARE DULY REGISTERED WITH SEBI AS AN INVESTMENT ADVISER (IA) OR RESEARCH ANALYST (RA) AND POSSESS ALL NECESSARY LICENSES, REGISTRATIONS, PERMITS, OR APPROVALS REQUIRED UNDER APPLICABLE LAW. You shall provide proof of such registration and licenses to Graphy upon request and shall maintain such registration and licenses in good standing throughout the Term of this Agreement. (c) If your Content or Services do not constitute \"Investment Advice\" or \"Research Analysis\" under SEBI regulations, you represent and warrant that your Content and Services are strictly for educational purposes only and do not involve personalized recommendations or opinions about investing in, purchasing, selling, or otherwise dealing in securities or investment products. (d) You shall immediately notify Graphy if any of your SEBI registrations, licenses, or other regulatory approvals are suspended, revoked, or subject to any inquiry or disciplinary action and shall immediately cease providing Finfluencer Content & Services to End Users. (e) You shall prominently display all disclaimers and disclosures required by Applicable Law (including SEBI guidelines and ASCI guidelines for financial advertising) in your Content and on your profile on the Platform, including your SEBI registration number if applicable, and a clear statement on whether your content is \"investment advice\" or \"for educational purposes only.\" (f) You shall comply with the due diligence obligations imposed on users by the IT Rules 2021 regarding prohibited content. 3.2. Finfluencer Content Accuracy and Legality: Your Finfluencer Content and Finfluencer Services must be accurate, complete, not misleading, and comply with all Applicable Law, including those related to advertising, financial promotion, and consumer protection (Consumer Protection Act, 2019). (b) Your Finfluencer Content must not host, display, upload, modify, publish, transmit, store, update or share any information that: (i) is defamatory, obscene, pornographic, pedophilic, invasive of another's privacy, including bodily privacy, insulting or harassing on the basis of gender, libelous, racially or ethnically objectionable, relating or encouraging money laundering or gambling, or otherwise inconsistent with or contrary to the laws of India; (ii) infringes any patent, trademark, copyright or other proprietary rights of any person; (iii) violates any law for the time being in force; (iv) deceives or misleads the addresses about the origin of the message or knowingly and intentionally communicates any information which is patently false or misleading in nature but may reasonably be perceived as a fact; (v) impersonates another person; (vi) 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 other nation; (vii) contains software virus or any other computer code, file or programme designed to interrupt, destroy or limit the functionality of any computer resource; (viii) is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury to any person. (c) Your Finfluencer Content must not infringe upon or misappropriate the intellectual property rights, privacy rights, publicity rights, or any other rights of any third party. 3.3. End Customer Relationship: (a) You are solely responsible for handling all inquiries, complaints, and support requests from End Users related to your Finfluencer Content & Services. (b) You must provide accurate descriptions of your Finfluencer Content & Services, pricing, and refund policies (if any), which must comply with the Consumer Protection Act,2019. (c) You shall be the data fiduciary under the Data Protection Act, 2023 in respect of the personal data collected from the End Users and all obligations towards the End Users in respect of the personal data collected from them shall rest with you. Please note that Graphy as the data processor only collects and processes personal data of your End Users on your behalf. 3.4. Platform Usage: (a) You must provide accurate, complete, and truthful information when registering and using the Platform. (b) You will use the Platform only for lawful purposes and in accordance with these Finfluencer Terms and Platform Terms. (c) You will not engage in any activity that interferes with or disrupts the Platform or the servers and networks connected to the Platform. (d) You will not attempt to gain unauthorized access to any portion of the Platform or any other accounts, computer systems, or networks connected to Graphy. 3.5. Prohibited Financial Activities (Specific to India): You are prohibited from using the Platform to: (a) Provide Investment Advice or Research Analysis without being a SEBI registered IA or RA, respectively. (b) Make guaranteed returns or unrealistic performance claims for any investment product or strategy. (c) Engage in or promote pump-and-dump schemes, insider trading, market manipulation, or any other fraudulent or unfair trade practice under SEBI regulations. (d) Offer or promote collective investment schemes or other financial products that require specific regulatory approval in India, unless you possess such approval and disclose it. (e) Mislead End Users about the risks involved in financial markets or specific investments. (f) Collect personal data from End Users in violation of Applicable Law, including data privacy rules in India. (g) Indulge in unregulated financial advisory or distribution activities. (h) Violate any of the covenants or obligations set forth in these Terms. 3.6 Monitoring and Assessment: The Finfluencer may undertake continuous monitoring and assessment of the Graphy Platform, and any third party subcontractors engaged by Graphy on behalf of the 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Legal Compliance & Licensing (CRITICAL FOR FINFLUENCERS IN INDIA): (a) You represent and warrant that you will comply with ALL Applicable Law in connection with your use of the Platform, creation of Finfluencer Content, provision of Finfluencer Services, and interaction with your End Users. (b) YOU SPECIFICALLY REPRESENT AND WARRANT THAT IF YOUR CONTENT OR SERVICES CONSTITUTE \"INVESTMENT ADVICE\" OR \"RESEARCH ANALYSIS\" AS DEFINED UNDER SEBI (INVESTMENT ADVISERS) REGULATIONS, 2013 OR SEBI (RESEARCH ANALYSTS) REGULATIONS, 2014 RESPECTIVELY, YOU ARE DULY REGISTERED WITH SEBI AS AN INVESTMENT ADVISER (IA) OR RESEARCH ANALYST (RA) AND POSSESS ALL NECESSARY LICENSES, REGISTRATIONS, PERMITS, OR APPROVALS REQUIRED UNDER APPLICABLE LAW. You shall provide proof of such registration and licenses to Graphy upon request and shall maintain such registration and licenses in good standing throughout the Term of this Agreement. (c) If your Content or Services do not constitute \"Investment Advice\" or \"Research Analysis\" under SEBI regulations, you represent and warrant that your Content and Services are strictly for educational purposes only and do not involve personalized recommendations or opinions about investing in, purchasing, selling, or otherwise dealing in securities or investment products. (d) You shall immediately notify Graphy if any of your SEBI registrations, licenses, or other regulatory approvals are suspended, revoked, or subject to any inquiry or disciplinary action and shall immediately cease providing Finfluencer Content & Services to End Users. (e) You shall prominently display all disclaimers and disclosures required by Applicable Law (including SEBI guidelines and ASCI guidelines for financial advertising) in your Content and on your profile on the Platform, including your SEBI registration number if applicable, and a clear statement on whether your content is \"investment advice\" or \"for educational purposes only.\" (f) You shall comply with the due diligence obligations imposed on users by the IT Rules 2021 regarding prohibited content.\n\n3.2. Finfluencer Content Accuracy and Legality: Your Finfluencer Content and Finfluencer Services must be accurate, complete, not misleading, and comply with all Applicable Law, including those related to advertising, financial promotion, and consumer protection (Consumer Protection Act, 2019). (b) Your Finfluencer Content must not host, display, upload, modify, publish, transmit, store, update or share any information that: (i) is defamatory, obscene, pornographic, pedophilic, invasive of another's privacy, including bodily privacy, insulting or harassing on the basis of gender, libelous, racially or ethnically objectionable, relating or encouraging money laundering or gambling, or otherwise inconsistent with or contrary to the laws of India; (ii) infringes any patent, trademark, copyright or other proprietary rights of any person; (iii) violates any law for the time being in force; (iv) deceives or misleads the addresses about the origin of the message or knowingly and intentionally communicates any information which is patently false or misleading in nature but may reasonably be perceived as a fact; (v) impersonates another person; (vi) 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 other nation; (vii) contains software virus or any other computer code, file or programme designed to interrupt, destroy or limit the functionality of any computer resource; (viii) is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury to any person. (c) Your Finfluencer Content must not infringe upon or misappropriate the intellectual property rights, privacy rights, publicity rights, or any other rights of any third party.\n\n3.3. End Customer Relationship: (a) You are solely responsible for handling all inquiries, complaints, and support requests from End Users related to your Finfluencer Content & Services. (b) You must provide accurate descriptions of your Finfluencer Content & Services, pricing, and refund policies (if any), which must comply with the Consumer Protection Act,2019. (c) You shall be the data fiduciary under the Data Protection Act, 2023 in respect of the personal data collected from the End Users and all obligations towards the End Users in respect of the personal data collected from them shall rest with you. Please note that Graphy as the data processor only collects and processes personal data of your End Users on your behalf.\n\n3.4. Platform Usage: (a) You must provide accurate, complete, and truthful information when registering and using the Platform. (b) You will use the Platform only for lawful purposes and in accordance with these Finfluencer Terms and Platform Terms. (c) You will not engage in any activity that interferes with or disrupts the Platform or the servers and networks connected to the Platform. (d) You will not attempt to gain unauthorized access to any portion of the Platform or any other accounts, computer systems, or networks connected to Graphy.\n\n3.5. Prohibited Financial Activities (Specific to India): You are prohibited from using the Platform to: (a) Provide Investment Advice or Research Analysis without being a SEBI registered IA or RA, respectively. (b) Make guaranteed returns or unrealistic performance claims for any investment product or strategy. 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Intellectual Property: Graphy owns all information and materials (in whatever form or media) provided or communicated or licensed to you by or on behalf of Graphy including but not limited to, the Platform, the trademarks, illustrations, letters, images, ideas, concepts, the layout, design, flow, look and feel of the Platform, logos, marks, graphics, audio files, video files, any software which is owned by or licensed to Graphy, the underlying source and object code, instructions embedded in any form of digital documents and other data, information, or material made available to you by Graphy (“Graphy's Intellectual Property” or “Graphy's IP”). Graphy's IP specifically excludes any Content on Creator's Page (defined under the 'Your Content and Ownership' section below) and any content uploaded by other Users on the Platform, including any brand names and trademarks that are not owned by Graphy. Graphy's IP will not be used, modified, or altered by you in any way. You acknowledge and agree that you do not acquire any ownership or rights to the Graphy's IP by use of the Platform. You acknowledge and agree that the Graphy's IP is protected by the copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws and any unauthorize use, reproduction, modification, distribution, transmission, republication, display, or performance of the Graphy's IP and/or any component thereof is strictly prohibited and may result in legal / penal consequences. It is further clarified that, Graphy, its logo, and other marks indicated on our Platform are our trademarks or registered trademarks. Platform's graphics, logos, page headers, button icons, scripts and service names are the trademarks or trade dress of the Platform. Graphy's trademarks and trade dress may not be used in connection with any product or service that is not Graphy's, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Graphy. All other trademarks not owned by Graphy that appear on this Platform are the property of their respective owners, who may or may not be gated with, or connected to Graphy. Licence to use the Platform: As a Creator, Graphy grants you and your Authorized Users a limited, non-exclusive, non-transferable, non-sublicensable licence to access and use the Platform for your own personal and commercial use in accordance with the Platform Terms. Further, to facilitate your services to your End-Users through the Platform, Graphy grants your End-Users, a limited, non-exclusive licence to access and use the Platform through your Page for their own personal use. This licence does not grant your End-Users the right to assign or sublicense the licence granted hereunder to anyone else. Except as expressly permitted under the Platform Terms or otherwise in writing, you will not, either by yourself or through any other person, reproduce, duplicate, copy, sell, redistribute, create derivative works or otherwise exploit the Platform or any portion of the Platform (including but not limited to any copyrighted material, trademarks, or other proprietary information). Restrictions on usage of the Platform: The licence granted to you and your Page Users by Graphy, is limited to the purpose defined under the Platform Terms. Neither you nor your Page Users shall use the Platform for any purpose or in any manner other than as expressly permitted under the Platform Terms, and you shall not, either by yourselves or through any other person, do or cause the doing of, any act or omission that would result in: distribution of any part of the Platform or the Graphy's IP (as defined above), through any mode or medium, without Graphy's prior written authorization. alteration or modification of or tampering with any part of the Platform or result in creation of other derivative works of the Platform or the Services offered therein. reverse engineering, disassembly, or de-compilation of the Platform or any part thereof or result in derivation of the source code of any software included in the Platform or made available to you as part of the Services using means or processes that are deemed unauthorized and/or illegal. accessing or using the Platform in a way intended to avoid incurring fees or exceeding usage limits or quotas. gaining access to another User's content to which you do not have authorized or legitimate access. circumvention or attempt to circumvent any limitations imposed on your account; probing, scanning, or testing of the vulnerability of any system or network used by Graphy, unless Graphy has given you a prior written authorization. the use of Services to collect or store any Sensitive Personal Data (as defined in our Privacy Policy) including personal health information, banking and credit card information; and if you do use the Platform and/or the Services to collect, store or otherwise process any Sensitive Personal Data, then you do so at your own risk and you are responsible for ensuring compliance with all applicable laws; sale of access to the Platform (other than as permitted under the Platform Terms) or sale of any advertising, sponsorship or promotion space on or within the Platform, without Graphy's prior written approval. use or launch of any automated system, including without limitation, “robots,” “spiders,” or “offline readers,” that accesses the Platform in a manner that sends more request messages to Graphy's servers in a given period of time than a human can reasonably produce in the same period by using a conventional on-line web browser. unauthorized collection or harvesting of any personally identifiable information, including account names, from the Platform, or in unauthorized use of the communication systems provided by the Platform. extraction of any substantial parts of this Platform for re-utilization, including through utilization of any data mining tools, robots, or similar data gathering and extraction tools, without Graphy's express prior written consent. purchase of search engine or other pay per click keywords (such as Google AdWords), or domain names that use the name 'Graphy' or Graphy's trademarks and/or variations and misspellings thereof. Other terms applicable for your use of the Platform: You agree to receive installs and updates from time to time from Graphy. These updates are designed to improve, enhance, and further develop the Platform and may take the form of bug fixes, enhanced functions, new software modules and completely new versions. You agree to receive such updates (and permit Graphy to deliver these to you) as part of your use of the Platform. Notwithstanding anything stated to the contrary herein in this section of the Platform Terms, Graphy grants the operators of public search engines permission to use spiders to copy materials from the Platform for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials. Graphy reserves the right to revoke these exceptions either generally or in specific cases at any time with or without providing any notice in this regard. 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Platform Provider: Graphy provides the technical platform and tools that enable Finfluencers residing in India to independently create, upload, manage, market, and sell their Finfluencer Content and Finfluencer Services (collectively “Finfluencer Content & Services” ) directly to End Users located in India. In order to enable Graphy to provide its services, Graphy shall engage third-party sub-contractors to facilitate KYC services (“KYC Partner(s)”) on behalf of the Finfluencers. It is clarified that Graphy merely facilitates the collection of KYC documents through the KYC Partner and no core function of the Finfluencer, including but not limited to KYC verification, is undertaken by Graphy.\n\n2.2. 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Please read the below terms applicable for the purchase of your Subscription: We offer various types of Subscription Plans, and Graphy’s Fee structure for each Subscription Plan differs. Please go through the details provided on our Pricing Page carefully before making any purchase. Our billing cycles depend on the Subscription Plan you select while purchasing. Payment will be charged to your chosen payment method at confirmation of your purchase in accordance with the billing cycle applicable for your Subscription Plan. We may use third-party service provider(s) to manage all our Subscriptions, including their purchases, renewals, cancellations, and invoicing (“Subscription Manager(s)”). Accordingly, we may not collect any payment related information such as credit/debit card details, UPIs, and bank account details from you, and all such Sensitive Personal Data, in such cases, shall be collected and processed by such Subscription Manager(s). Subject to your authorization and applicable laws, You agree that Graphy may, if applicable, as per your chosen Subscription Plan, charge any recurring service to the credit card or debit card that you provide at the time of your first purchase of the Subscription through the Subscription Manager(s) or as updated by you through the Subscription Manager(s), provided such updation takes place prior to upcoming billing period, as applicable. You agree to pay all fees and charges that are made to your account and that you are solely responsible for payment of these fees and charges. If you have not completed payments for your Subscriptions, we may restrict your access to the Platform until your account becomes current and paid in full. Your payments to Graphy shall be subject to applicable taxes including without limitation Goods and Service Taxes (GST) and Value Added Taxes (VAT) or other similar taxes as may be applicable in your country of residence/from where you have created your account on the Platform/ purchased the underlying Subscriptions. We reserve the right to pursue fees owed to us using collection methods which may include charging other payment methods on file with us and/or retaining collection agencies or legal counsel. If you are unclear on the payments applicable to your Subscription Plan, then please write to us at the email address provided in the 'Contact for User Support/Queries' section below. We reserve the right to change/revise the pricing of the Subscriptions. For existing Subscriptions for which the applicable fees have been already received by us, we will implement the price changes during the next billing period or renewal of the Subscription. We further reserve the right to offer custom plans and pricing in addition to what is offered on the Pricing Page, which include offering custom billing and payment terms, that are different from our standard terms. We have also enabled integration of third-party payment providers to facilitate better payment options to you, which may vary depending on your territory or the Subscription you choose (“Third-Party Payment Providers”). Third-Party Payment Providers may also charge you fees to use or access their services and may require your Personal Data to complete any transaction for the Platform. Further, to facilitate completion of your payments to us through the Platform or avail the payment options provided to you, you may be redirected to an external website operated by the Third-Party Payment Provider(s). Further, pursuant to the payment option you may choose, you may be required to enter into a separate agreement with the relevant Third-Party Payment Provider. This agreement with the Third-Party Payment Provider is an independent contract/agreement between you and such Third-Party Payment Provider and Graphy shall in no manner be a party to the same. Graphy only facilitates various payment options to you and is not offering the payment by itself in any manner. You agree that you are solely responsible for all charges that occur through such Third-Party Payment Providers and acknowledge and agree to indemnify, defend, and hold harmless Graphy, its licensors, their affiliates, and their respective officers, directors, employees, and agents from any loss arising out of or related to the use of the Platform or any purchases made through the Platform. This obligation will survive your use of the Platform and termination of your Agreement with us. Graphy cannot and does not (i) guarantee the adequacy of the privacy and security practices employed by or the content and media provided by the Third-Party Service Providers or its respective websites or (ii) control collection or use of your Personal Data by such Third-Party Service Providers. Hence, prior to using any services offered by a Third-Party Service Providers, we suggest that you read their terms and conditions, privacy policy and other policies, that may apply, to understand their terms of usage and to understand how your Personal Data is being processed. Graphy is not affiliated to any Third-Party Service Provider and neither Graphy nor any of the Third-Party Service Providers are agents or employees of the other. For the purpose of the Platform Terms- “Third-Party Service Providers” shall mean and include Subscription Manager(s), Third-Party Payment Providers, and any third-party payment gateways and/or aggregators used to collect payments of Graphy's Fee or used by the Creators to collect their Creator Fee(s) or such other payments from their End- Users. “Loss” means all losses, liabilities, damages, awards, settlements, claims, suits, proceedings, costs, and expenses (including reasonable legal fees and disbursements and costs of investigation, litigation, settlement, judgment, interest, and penalties). Graphy shall not be liable to you for any claims arising out of any act or omission on the part of the Third-Party Service Provider(s) including, but not limited to, any lost, stolen, or incorrectly processed payments. Graphy expressly disclaims any responsibility and liability for all services provided by the Third-Party Service Provider(s). Please note that all Fee(s) payments are collected by Graphy only through the Platform and not through any third parties (except Third-Party Service Provider(s)). We do not usually authorize any third party (except Third-Party Service Provider(s)) to collect monies on our behalf; however, if we have authorized any third party then such third party will have received a written authorization from Graphy either by way of any agreement or an authorization letter. Kindly verify with such third party before you make any payments to them, alternatively, you can always check with us by writing to us at email address provided under the 'Contact for User Support/Queries' section below. Further, Graphy is solely authorized to offer discounts / offers, if any, on Graphy's Fee. These discounts / offers are communicated on the Platform or via direct communication to you from Graphy via email, SMS, phone, or such other means of communication, and can be availed only through the Platform, unless otherwise specifically communicated by Graphy. Other than Graphy, no person is allowed to offer any discounts on Graphy's Fee offered on the Platform. Graphy shall not be liable for any claims arising from such unauthorized discounts / offers offered by any person (including any third-party platform), other than Graphy. Cancellation and Refund Policy: You may cancel your Subscription by either writing to us at care@graphy.com or through your account on the Platform. However, please note there shall be no refund of the Fee already paid for your Subscription, unless otherwise specified in the Refund Policy. So, please read these Terms of Service and the Refund Policy carefully before subscribing to any of the Subscriptions. When you cancel your Subscription, Graphy may disable access to features available only to Creators who have purchased/renewed Subscription, while your account may continue to exist on the Platform. Payments w.r.t Creator's Fee: The Creator's Fee for the Content/services made available on the Creators' Page is solely determined by the respective Creators, and Graphy has no role in determining the same. The Creator must make available to their End-Users the terms and conditions in relation to the enrolment, use of Content and related services that may be provided by the Creator on their Page(s). With an intent to have a more user-friendly transaction model for payment of the Creator's Fee, we allow Creators to integrate various third-party payment aggregators to process payments for products, services, or other content purchased through the Creator's Page (“Third-Party Payment Aggregators”) by End Users. Third-Party Payment Aggregators made available to you may vary depending on your territory. Once selected, the Third-Party Payment Aggregator(s) may need you to create an account on their platform or provide the information of your existing account(s) with them and agree to such Third-Party Payment Aggregator's terms and conditions and privacy policy. Once you have enabled payments on the Platform and registered with the Third- Party Payment Aggregator(s) as stated above, you will see that they are responsible for directing and distributing payments for services purchased through your Page, including automatically sending receipts to your End-Users and directing payouts to you and any bank accounts identified by you. The Third-Party Payment Aggregator(s) will collect the amounts paid by your End-Users and remit the collected amounts to you after deduction of their fee, if any, and applicable taxes. Please note Third-Party Payment Aggregators may also charge you fees to use or access their services and may require your personal data to complete any transaction for the Platform. Hence, prior to using any services offered by a Third-Party Payment Aggregators, we suggest that you read their terms and conditions, privacy policy and other policies, that may apply, to understand their terms of usage and to understand how your data is being processed; this is also because, when you use the services or platform offered by such Third-Party Payment Aggregator, you agree to their respective terms and policies. Graphy is not affiliated with their Third- Party Payment Aggregators and neither Graphy nor any of the Third-Party Payment Aggregators are agents or employees of the other. Further, if you have purchased a Subscription Plan that requires you to share your revenue with Graphy, then your Creator's Fee may be paid to you by the Third-Party Payment Aggregators after deducting Graphy's share, as agreed and applicable. Please read the Pricing Page and other terms, if any, specified on the Platform in this regard. Please note: You may not bypass or circumvent the payment mechanism offered by the Platform by soliciting payment from an End-User outside the Platform in any manner including by using any alternative method to collect the Creator Fee and/or fee/monies for any service offered by the Creator on the Platform such as receiving payments through links to digital wallet platforms like Google Pay, Paypal or such other online payment system or electronic wallets. Further, please note the below terms: In respect of your transaction, you are solely responsible for all applicable Goods and Services Taxes ('GST') , EU Value Added Taxes ('VAT'), or other similar taxes as may be applicable in your country of residence, costs, filings, and any other activities that may arise as a result of sales of your Content / services using the Platform. Neither is Graphy responsible to nor does it collect, pay, remit or otherwise pay on your behalf, the taxes owed by you (including GST or EU VAT) on the services you sell through your Page. You set the Creator's Fee of each service offered by you through your Page at your sole discretion and without any input from Graphy. All invoices made to your End-Users through the respective Third-Party Payment Aggregator shall indicate that you are the supplier of the services offered by you on through your Page. End-Users' invoices shall identify the name and nature of the services offered by you that was purchased. As stated, payments in respect of your services offered by you through your Page are processed by Third-Party Payment Aggregators, hence, neither is Graphy a party to the authorization process nor is Graphy responsible for authorizing credit card charges through such Third-Party Payment Aggregators. You are responsible for making available the terms and conditions, privacy policy and refund policy applicable for your Page. It is further agreed by you that you shall indemnify, defend, and hold harmless Graphy and its directors, officers, agents, employees, successors, assignees, agents and authorized representatives against any loss of credit, tax, interest and/or penalty resulting from your failure to refund Creator's Fee in accordance with your policies, remit the applicable taxes to the respective authority within the stipulated time period, or your failure to otherwise conform to applicable laws. 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Please read the below terms applicable for the purchase of your Subscription:\nWe offer various types of Subscription Plans, and Graphy’s Fee structure for each Subscription Plan differs. Please go through the details provided on our Pricing Page carefully before making any purchase.\nOur billing cycles depend on the Subscription Plan you select while purchasing. Payment will be charged to your chosen payment method at confirmation of your purchase                                     in accordance with the billing cycle applicable for your Subscription Plan.\nWe may use third-party service provider(s) to manage all our Subscriptions, including their purchases, renewals, cancellations, and invoicing (“Subscription Manager(s)”).  Accordingly, we may not collect any payment related information such as credit/debit card details, UPIs, and bank account details from you, and all such Sensitive Personal Data, in such cases, shall be collected and processed by such Subscription Manager(s). Subject to your authorization and applicable laws, You agree that Graphy may, if applicable, as per your chosen Subscription Plan, charge any recurring service to the credit card or debit card that you provide at the time of your first purchase of the Subscription through the Subscription Manager(s) or as updated by you through the Subscription Manager(s), provided such updation takes place prior to upcoming billing period, as applicable.\nYou agree to pay all fees and charges that are made to your account and that you are solely responsible for payment of these fees and charges. If you have not completed payments for your Subscriptions, we may restrict your access to the Platform until your account becomes current and paid in full.\nYour payments to Graphy shall be subject to applicable taxes including without limitation Goods and Service Taxes (GST) and Value Added Taxes (VAT) or other similar taxes as may be applicable in your country of residence/from where you have created your account on the Platform/ purchased the underlying Subscriptions.\nWe reserve the right to pursue fees owed to us using collection methods which may include charging other payment methods on file with us and/or retaining collection agencies or legal counsel.\nIf you are unclear on the payments applicable to your Subscription Plan, then please write to us at the email address provided in the 'Contact for User Support/Queries' section below.\nWe reserve the right to change/revise the pricing of the Subscriptions. For existing Subscriptions for which the applicable fees have been already received by us, we will implement the price changes during the next billing period or renewal of the Subscription.\nWe further reserve the right to offer custom plans and pricing in addition to what is offered on the Pricing Page, which include offering custom billing and payment terms, that are different from our standard terms.\nWe have also enabled integration of third-party payment providers to facilitate better payment options to you, which may vary depending on your territory or the Subscription you choose (“Third-Party Payment Providers”).\n\nThird-Party Payment Providers may also charge you fees to use or access their services and may require your Personal Data to complete any transaction for the Platform. Further, to facilitate completion of your payments to us through the Platform or avail the payment options provided to you, you may be redirected to an external website operated by the Third-Party Payment Provider(s).\n\nFurther, pursuant to the payment option you may choose, you may be required to enter into a separate agreement with the relevant Third-Party Payment Provider. This agreement with the Third-Party Payment Provider is an independent contract/agreement between you and such Third-Party Payment Provider and Graphy shall in no manner be a party to the same. Graphy only facilitates various payment options to you and is not offering the payment by itself in any manner.\n\nYou agree that you are solely responsible for all charges that occur through such Third-Party Payment Providers and acknowledge and agree to indemnify, defend, and hold harmless Graphy, its licensors, their affiliates, and their respective officers, directors, employees, and agents from any loss arising out of or related to the use of the Platform or any purchases made through the Platform. This obligation will survive your use of the Platform and termination of your Agreement with us.\n\nGraphy cannot and does not (i) guarantee the adequacy of the privacy and security practices employed by or the content and media provided by the Third-Party Service Providers or its respective websites or (ii) control collection or use of your Personal Data by such Third-Party Service Providers. Hence, prior to using any services offered by a Third-Party Service Providers, we suggest that you read their terms and conditions, privacy policy and other policies, that may apply, to understand their terms of usage and to understand how your Personal Data is being processed. Graphy is not affiliated to any Third-Party Service Provider and neither Graphy nor any of the Third-Party Service Providers are agents or employees of the other.\n\nFor the purpose of the Platform Terms-\n\n“Third-Party Service Providers” shall mean and include Subscription Manager(s), Third-Party Payment Providers, and any third-party payment gateways and/or aggregators used to collect payments of Graphy's Fee or used by the Creators to collect their Creator Fee(s) or such other payments from their End- Users.\n\n“Loss” means all losses, liabilities, damages, awards, settlements, claims, suits, proceedings, costs, and expenses (including reasonable legal fees and disbursements and costs of investigation, litigation, settlement, judgment, interest, and penalties). Graphy shall not be liable to you for any claims arising out of any act or omission on the part of the Third-Party Service Provider(s) including, but not limited to, any lost, stolen, or incorrectly processed payments. Graphy expressly disclaims any responsibility and liability for all services provided by the Third-Party Service Provider(s).\n\nPlease note that all Fee(s) payments are collected by Graphy only through the Platform and not through any third parties (except Third-Party Service Provider(s)). We do not usually authorize any third party (except Third-Party Service Provider(s)) to collect monies on our behalf; however, if we have authorized any third party then such third party will have received a written authorization from Graphy either by way of any agreement or an authorization letter. Kindly verify with such third party before you make any payments to them, alternatively, you can always check with us by writing to us at email address provided under the 'Contact for User Support/Queries' section below.\n\nFurther, Graphy is solely authorized to offer discounts / offers, if any, on Graphy's Fee. These discounts / offers are communicated on the Platform or via direct communication to you from Graphy via email, SMS, phone, or such other means of communication, and can be availed only through the Platform, unless otherwise specifically communicated by Graphy. Other than Graphy, no person is allowed to offer any discounts on Graphy's Fee offered on the Platform. Graphy shall not be liable for any claims arising from such unauthorized discounts / offers offered by any person (including any third-party platform), other than Graphy.\n\nCancellation and Refund Policy: You may cancel your Subscription by either writing to us at care@graphy.com or through your account on the Platform. However, please note there shall be no refund of the Fee already paid for your Subscription, unless otherwise specified in the Refund Policy. So, please read these Terms of Service and the Refund Policy carefully before subscribing to any of the Subscriptions. When you cancel your Subscription, Graphy may disable access to features available only to Creators who have purchased/renewed Subscription, while your account may continue to exist on the Platform.\n\nPayments w.r.t Creator's Fee: The Creator's Fee for the Content/services made available on the Creators' Page is solely determined by the respective Creators, and Graphy has no role in determining the same. The Creator must make available to their End-Users the terms and conditions in relation to the enrolment, use of Content and related services that may be provided by the Creator on their Page(s).\n\nWith an intent to have a more user-friendly transaction model for payment of the Creator's Fee, we allow Creators to integrate various third-party payment aggregators to process payments for products, services, or other content purchased through the Creator's Page (“Third-Party Payment Aggregators”) by End Users. Third-Party Payment Aggregators made available to you may vary depending on your territory. Once selected, the Third-Party Payment Aggregator(s) may need you to create an account on their platform or provide the information of your existing account(s) with them and agree to such Third-Party Payment Aggregator's terms and conditions and privacy policy. Once you have enabled payments on the Platform and registered with the Third- Party Payment Aggregator(s) as stated above, you will see that they are responsible for directing and distributing payments for services purchased through your Page, including automatically sending receipts to your End-Users and directing payouts to you and any bank accounts identified by you. The Third-Party Payment Aggregator(s) will collect the amounts paid by your End-Users and remit the collected amounts to you after deduction of their fee, if any, and applicable taxes. Please note Third-Party Payment Aggregators may also charge you fees to use or access their services and may require your personal data to complete any transaction for the Platform. Hence, prior to using any services offered by a Third-Party Payment Aggregators, we suggest that you read their terms and conditions, privacy policy and other policies, that may apply, to understand their terms of usage and to understand how your data is being processed; this is also because, when you use the services or platform offered by such Third-Party Payment Aggregator, you agree to their respective terms and policies. Graphy is not affiliated with their Third- Party Payment Aggregators and neither Graphy nor any of the Third-Party Payment Aggregators are agents or employees of the other.\n\nFurther, if you have purchased a Subscription Plan that requires you to share your revenue with Graphy, then your Creator's Fee may be paid to you by the Third-Party Payment Aggregators after deducting Graphy's share, as agreed and applicable. Please read the Pricing Page and other terms, if any, specified on the Platform in this regard.\n\nPlease note: You may not bypass or circumvent the payment mechanism offered by the Platform by soliciting payment from an End-User outside the Platform in any manner including by using any alternative method to collect the Creator Fee and/or fee/monies for any service offered by the Creator on the Platform such as receiving payments through links to digital wallet platforms like Google Pay, Paypal or such other online payment system or electronic wallets.\n\nFurther, please note the below terms:\nIn respect of your transaction, you are solely responsible for all applicable Goods and Services Taxes ('GST') , EU Value Added Taxes ('VAT'), or other similar taxes as may be applicable in your country of residence, costs, filings, and any other activities that may arise as a result of sales of your Content / services using the Platform. Neither is Graphy responsible to nor does it collect, pay, remit or otherwise pay on your behalf, the taxes owed by you (including GST or EU VAT) on the services you sell through your Page.\nYou set the Creator's Fee of each service offered by you through your Page at your sole discretion and without any input from Graphy.\nAll invoices made to your End-Users through the respective Third-Party Payment Aggregator shall indicate that you are the supplier of the services offered by you on through your Page.\nEnd-Users' invoices shall identify the name and nature of the services offered by you that was purchased.\nAs stated, payments in respect of your services offered by you through your Page are processed by Third-Party Payment Aggregators, hence, neither is Graphy a party to the authorization process nor is Graphy responsible for authorizing credit card charges through such Third-Party Payment Aggregators.\nYou are responsible for making available the terms and conditions, privacy policy and refund policy applicable for your Page. 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