Risk Policy

Adoption: October 16, 2025

This Risk Policy (“Policy”) forms an integral part of the Terms of Use and governs participation in the LaunchPad incubation program, operated by Creddinv Technologies Private Limited (“Company”).

This Policy outlines the key risks, financial responsibilities, and conduct expected from startup founders (“Users” or “You” or “Your”) using the Platform.

Capitalized terms used but not defined herein shall have the meanings ascribed in the Terms of Use of the Platform.

1. PURPOSE

The objective of this Policy is to ensure that every founder or startup participating in the LaunchPad program understands and acknowledges the monetary, operational, and strategic risks associated with incubation, mentorship, and potential fundraising activities.

While LaunchPad provides support through guidance, visibility, and access to investors, the ultimate success or failure of a startup remains the founder’s responsibility.

2. NO GUARANTEE OF FUNDING OR RETURNS

LaunchPad facilitates exposure, mentorship, and connections to potential investors but does not guarantee any funding, investment commitment, or financial return. Participation in LaunchPad does not promise/guarantee that:

Your startup will raise capital,

Investors will show interest, or

Any business outcome (valuation growth, profitability, etc.) will be achieved.

All funding outcomes depend on multiple factors, including market conditions, business performance, investor preferences, and execution capability.

3. MONETARY COMMITMENTS AND FEES

Participation in LaunchPad may involve program fees or specific service charges depending on the nature of engagement. These may include, but are not limited to:

Incubation or onboarding fees,

Pitch preparation, documentation, or due diligence support,

Marketing, networking, or investor outreach services, and

Access to third-party expert sessions, mentorships, or legal consultations.

Any outsourced or specialized advisory services (legal, financial, strategic, compliance, IP, etc.) shall incur separate fees, payable directly to the advisor or service partner. LaunchPad and Creddinv do not bear or reimburse such costs under any circumstance.

All monetary terms, if applicable, will be disclosed prior to engagement and must be agreed upon before availing the services.

4. USE OF FUNDS AND FINANCIAL DISCIPLINE

Startups receiving incubation support or potential investment leads through LaunchPad are expected to:

Maintain transparent financial records,

Use any raised funds only for declared business purposes, and

Comply with applicable legal, accounting, and tax obligations.

Creddinv reserves the right to discontinue association or withdraw support if a startup is found misrepresenting information, or violating any financial or ethical standards.

5. RISK OF FAILURE

Startup incubation inherently involves high risk and uncertainty. Founders must understand that:

A significant number of early-stage startups do not succeed commercially,

Business models may need pivoting or restructuring, and

External market or regulatory changes may impact outcomes.

You should be financially prepared for the possibility that your startup may not achieve expected results, revenue growth, or investment traction despite incubation support.

6. PERFORMANCE AND ADVISORY LIMITATIONS

LaunchPad provides access to mentors, advisors, and investor networks. However:

Advisors and mentors operate independently, and their opinions, guidance, or strategies do not represent official financial or business advice from Creddinv.

Creddinv does not warrant the accuracy, success, or effectiveness of any advice, strategy, or plan implemented based on such consultations.

You are encouraged to exercise independent judgment before acting on any recommendations or insights shared.

All engagements with external advisors are at your sole discretion and risk.

7. TAXATION AND COMPLIANCE

You are responsible for complying with all applicable tax, regulatory, and corporate laws. Creddinv does not provide tax advice or compliance guarantees and shall not be held liable for any penalties or liabilities arising from non-compliance.

8. PLATFORM AND INFORMATION DISCLAIMERS

1. Information, materials, or projections shared on the LaunchPad platform are for educational and facilitative purposes only.

2. Creddinv does not act as a broker, investment advisor, or funding agent for startups or investors.

3. The LaunchPad platform and its services are provided on an “as is” basis, without warranties of completeness, accuracy, or uninterrupted availability.

4. Creddinv shall not be held responsible for technical failures, delays, or communication breakdowns during the incubation process or investor introductions.

9. REGULATORY POSITION

LaunchPad (by Creddinv) is not a SEBI-registered crowdfunding or investment platform. It operates solely as a private incubation and facilitation network under Creddinv, helping startups connect with mentors and potential investors within a curated ecosystem. No material or communication from LaunchPad should be construed as an offer or solicitation of securities to the public.

10. LIMITATION OF LIABILITY

By participating in LaunchPad, You agree that:

Creddinv and LaunchPad shall not be liable for any loss, damage, or opportunity cost arising from Your use of the Platform or reliance on its services.

You will indemnify and hold harmless Creddinv, its officers, and partners against any claims resulting from Your participation, disclosures, or engagements.

11. ACKNOWLEDGMENT

By registering or participating in the LaunchPad program, You confirm that:

You have read and understood this Policy,

You are aware of and accept the risks involved in startup incubation and early-stage growth activities, and

You acknowledge that Creddinv’s role is that of a facilitator, not a guarantor of funding, success, or financial returns.

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Disclaimer: Disclaimer: LaunchPad is an initiative by Creddinv Technologies Private Limited (Creddinv) and operates as part of its platform www.creddinv.in. Creddinv owns and operates its website www.creddinv.in (Platform), which is neither a registered stock exchange, an investment advisor nor a funding portal and is not registered with the Securities Exchange Board of India (SEBI). Nothing contained on this Platform shall be construed as an authorisation by the SEBI to solicit investments nor should the Platform be construed as a SEBI authorized crowdfunding platform or a stock exchange, or their equivalent. Creddinv provides support to startups in preparing for fundraising, including pitch decks, financials, compliance, traction, and storytelling. We do not guarantee funding or investor commitment. All investment decisions are made independently by investors. Use of our services is subject to our Terms of Use and Privacy Policy.