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TERMS OF SERVICE

Effective Date: March 1, 2026 Last Updated: February 23, 2026

This document constitutes the general Terms of Service ("Terms") governing access to and use of all products and services offered by Redrob Inc. (formerly McKinley Rice Inc.) ("Redrob", "Company", "we", "us", or "our"). By accessing or using any Redrob platform, application, or service, you ("User", "you", or "your") agree to be bound by these Terms. Certain Redrob products and services are governed by additional, product-specific terms and conditions ("Supplemental Terms"), which are incorporated herein by reference. In the event of any conflict between these Terms and any Supplemental Terms, the Supplemental Terms shall prevail with respect to the relevant product or service.

Definitions

"Account" means a registered user account on any Redrob platform.
"Content" means all text, graphics, data, software, audio, video, images, and other material accessible through or generated by Redrob services.
"Device" means any mobile phone, tablet, computer, or other electronic device used to access Redrob services.
"Intellectual Property" means all patents, trademarks, copyrights, trade secrets, and other proprietary rights associated with Redrob services and Content.
"Personal Data" has the meaning ascribed under the Digital Personal Data Protection Act, 2023 (India) and applicable data protection laws.
"Platform" means any website, application, or digital interface operated by Redrob, including but not limited to Redrob Auth, Redrob Signal, and Redrob Connect.
"Points" means any in-platform points, coins, credits, or similar units allocated or earned within Redrob Services. Points are not cryptocurrency, digital currency, or any form of stored monetary value. Points do not represent a deposit, prepayment, or financial instrument of any kind.
"Services" means all products, features, and functionalities made available through any Platform.
"Supplemental Terms" means any additional terms applicable to specific Redrob products, including the Redrob Signal Terms of Service

Eligibility and Account Registration

2. Eligibility and Account Registration

2.1 Age Requirement

You must be at least 18 years of age (or the age of majority in your jurisdiction, whichever is higher) to create an Account and use Redrob Services. By registering, you represent and warrant that you meet this age requirement. Redrob reserves the right to request age verification at any time.

2.2 Account Creation

To access certain features of the Services, you must create an Account by providing accurate and complete information, including a valid mobile phone number. You are responsible for maintaining the confidentiality of your Account credentials and for all activities that occur under your Account.

2.3 One Account per User

Each User may maintain only one Account. Creating multiple accounts is prohibited and may result in termination of all associated accounts.

2.4 Account Security

You agree to immediately notify Redrob of any unauthorized use of your Account. Redrob shall not be liable for any loss arising from unauthorized access to your Account where such access results from your failure to safeguard your credentials.

Services and License

3.1 License Grant

Subject to your compliance with these Terms, Redrob grants you a limited, non-exclusive, non- transferable, revocable license to access and use the Services for your personal, non-commercial purposes.

3.2 Service Availability

Redrob Services are provided on an "as is" and "as available" basis. We do not guarantee uninterrupted, timely, secure, or error-free access. We reserve the right to modify, suspend, or discontinue any Service (or any part thereof) at any time, with or without notice.

3.3 Service Modifications

We may update, modify, or change the features, functionality, or content of the Services at any time. Material changes will be communicated through the Platform or via the contact information associated with your Account.

3.4 Paid Services

Redrob may offer certain Services or features on a paid basis, including but not limited to subscription plans, premium access tiers, or one-time access fees ("Paid Services"). Pricing, payment terms, and applicable conditions for Paid Services shall be communicated through the Platform or applicable Supplemental Terms prior to purchase. All fees for Paid Services are non-refundable unless otherwise stated in the applicable Supplemental Terms or required by applicable law. Redrob reserves the right to modify pricing for Paid Services upon reasonable notice to Users.

User obligations and Prohibited Conduct

4. User obligations and Prohibited Conduct

4.1 General Obligations

You agree to use the Services only for lawful purposes and in compliance with all applicable
laws and regulations. You shall provide truthful and accurate information at all times.

4.2 Prohibited Conduct

You shall not:
(a) Use the Services for any unlawful purpose or in violation of any applicable law or regulation.
(b) Impersonate any person or entity, or misrepresent your identity or affiliation.
(c) Interfere with, disrupt, or attempt to gain unauthorized access to any part of the Services, servers, or networks connected to the Services.
(d) Use any automated means (including bots, scripts, spiders, or scrapers) to access or interact with the Services without Redrob's prior written consent.
(e) Attempt to reverse-engineer, decompile, disassemble, or otherwise derive the source code of any software used in the Services.
(f) Circumvent, disable, or interfere with any security features of the Services.
(g) Use the Services to transmit malware, viruses, or any other harmful code.
(h) Engage in any activity that could damage, overburden, or impair the proper functioning of the Services.
(i) Collect, harvest, or store Personal Data of other Users without their express consent.
(j) Use the Services for any commercial purpose without Redrob's prior written authorization.
(k) Facilitate or promote illegal gambling, betting, or wagering activities through the Services.

Intellectual Property

5.1 Ownership

All Intellectual Property in and related to the Services, including but not limited to the Platform design, software, algorithms, trademarks, logos, and Content, is and shall remain the exclusive property of Redrob or its licensors. Nothing in these Terms transfers any ownership rights to you.

5.2 User Content

By submitting any content through the Services, you grant Redrob a worldwide, non-exclusive, royalty-free, perpetual, irrevocable license to use, reproduce, modify, distribute, and display such content in connection with the operation and improvement of the Services.

5.3 Feedback

Any feedback, suggestions, or ideas you provide to Redrob regarding the Services shall become the exclusive property of Redrob, and Redrob shall have no obligation to compensate you for such contributions.

Privacy and Data Protection

6.1 Privacy Policy

Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy describes how we collect, use, store, and protect your Personal Data.

6.2 Consent

By using the Services, you consent to the collection and processing of your Personal Data as described in the Privacy Policy and in accordance with applicable data protection laws, including the Digital Personal Data Protection Act, 2023 (India) ("DPDPA") and the rules made thereunder. Where required by law, we will obtain your specific consent before processing certain categories of Personal Data.

6.3 Data Retention

We retain your Personal Data only for as long as is necessary for the purposes for which it was collected, or as required by applicable law. You may request deletion of your data in accordance with the Privacy Policy and applicable laws.

6.4 Additional Data Consents

Certain Services may require you to provide additional data or consents for identity verification, financial data access, or other purposes. Such additional data collection and processing shall be governed by separate consent forms, including but not limited to PAN Data Consent, Aadhaar Data Consent, and Account Aggregator Data Consent forms, each of which must be separately agreed to before any such data is collected or processed.

Points System

7.1 Nature of Points

Certain Services may involve the use of Points (including coins, credits, or similar in-platform units). Points are not cryptocurrency, virtual currency, digital currency, e-money, stored value, or any form of financial instrument. Points are a scoring and engagement mechanism internal to the Platform, similar to loyalty points or game scores. Points have no intrinsic monetary value and do not represent a claim, entitlement, or right to any sum of money.

7.2 No Property Rights

You acknowledge that you have no ownership interest, property right, or other legal claim to any Points. All Points remain the property of Redrob and may be modified, adjusted, reset, or revoked at any time at Redrob's sole discretion.

7.3 Points Redemption

Redrob may, at its sole discretion and subject to applicable Supplemental Terms, offer promotional programs under which Points may be redeemed for rewards, benefits, or monetary value. Any such redemption program shall be governed by its own specific terms and conditions, including eligibility requirements (which may include identity verification), redemption rates, minimum thresholds, and applicable fees or taxes. Redrob reserves the right to modify, suspend, or terminate any redemption program at any time.

7.4 No Gambling or Betting

The use of Points within Redrob Services does not constitute gambling, betting, or wagering under any applicable law. Points allocated to Users for gameplay are provided at no cost as promotional grants. The Points system is designed for entertainment and engagement purposes. Any promotional rewards or incentives distributed by Redrob are purely at Redrob's discretion and do not create any obligation, entitlement, or expectation of monetary value.

Third-Party Services and Links

The Services may contain links to or integrate with third-party websites, applications, or services. Redrob does not control, endorse, or assume responsibility for any third-party content or services. Your interactions with third parties are solely between you and the relevant third party, and are subject to their terms and policies.

Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. REDROB EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Redrob does not warrant that the Services will be uninterrupted, error-free, secure, or free from viruses or other harmful components. Redrob does not warrant the accuracy, completeness, or reliability of any Content available through the Services.

10. Limitation of Liabilty

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL REDROB, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICES, REGARDLESS OF THE THEORY OF LIABILITY.
REDROB'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE AMOUNT, IF ANY, ACTUALLY PAID BY YOU TO REDROB IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED US DOLLARS (USD 100), WHICHEVER IS LESS.

11. Indemnification

You agree to indemnify, defend, and hold harmless Redrob, its directors, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) your violation of any rights of a third party.

12. Termination

12.1 Termination by You

You may terminate your Account at any time by contacting support@redrob.io or using the account deletion feature within the Platform.

12.2 Termination by Redrob

Redrob may suspend, restrict, or terminate your Account and access to the Services at any time, with or without cause and with or without notice, including for violation of these Terms or any Supplemental Terms.

12.3 Effect of Termination

Upon termination, your right to use the Services ceases immediately. Any Points, credits, or engagement data associated with your Account shall be forfeited unless otherwise required by applicable law or stated in applicable Supplemental Terms. Sections that by their nature should survive termination shall continue in full force and effect, including Sections 5, 9, 10, 11, and 14.

13. Modifications to Terms

Redrob reserves the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on the Platform and updating the "Last Updated" date. Your continued use of the Services after such changes constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must discontinue use of the Services.

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of India, without regard to its conflict of laws principles, and applicable laws of the State of Delaware, United States, to the extent relevant to Redrob Inc.'s corporate governance.

14.2 Dispute Resolution

Any dispute, controversy, or claim arising out of or relating to these Terms shall first be attempted to be resolved through good faith negotiation between the parties. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may submit the dispute to binding arbitration administered in accordance with the Arbitration and Conciliation
Act, 1996 (India). The seat of arbitration shall be New Delhi, India. The language of arbitration shall be English.

14.3 Jurisdiction

Subject to the arbitration clause above, the courts of New Delhi, India shall have exclusive jurisdiction over any matters arising out of or relating to these Terms.

15. General Provisions

15.1 Entire Agreement

These Terms, together with the Privacy Policy, any applicable Supplemental Terms, and any consent forms you may agree to, constitute the entire agreement between you and Redrob regarding your use of the Services.

15.2 Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15.3 Waiver

The failure of Redrob to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

15.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without Redrob's prior written consent. Redrob may assign these Terms in connection with a merger, acquisition, reorganization, or sale of substantially all of its assets.

15.5 Force Majeure

Redrob shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to natural disasters, war, terrorism, government actions, epidemics, network failures, or other force majeure events.

15.6 Notices

All notices to Redrob shall be sent to: legal@redrob.io. Notices to Users shall be sent to the contact information associated with the User's Account.

15.7 Language

These Terms are drafted in English. In the event of any conflict between the English version and any translated version, the English version shall prevail.