Overview

These Terms and Conditions govern the enrollment, use, payment, access, obligations, and confidentiality requirements applicable to all membership plans offered by International Resource Bank ("IRB") or the applicable service provider. By applying for, paying for, registering under, or using any membership plan, the applicant or member agrees to be bound by these Terms and Conditions and the Non-Disclosure and Confidentiality provisions stated below.

Definitions

For the purpose of this document:

• "Company" means International Resource Bank (IRB), its promoters, affiliates, associates, officers, employees, representatives, franchisees, and authorized partners.
• "Member" means any individual, customer, user, applicant, service point operator, or entity who purchases, subscribes to, registers for, or uses any membership plan.
• "Plan" means any Silver Plan, Golden Plan I, Golden Plan II, Platinum Plan, or any other plan introduced by the Company from time to time.
• "Main Wallet" means the service wallet maintained for eligible service use, including BBPS or other approved services.
• "NDA" means the confidentiality and non-disclosure obligations contained in this document.
• "RFII" means Resource of Fixed Interest Income, subject to separate contract terms, eligibility, and applicable law.

Eligibility

Membership is available only to persons who satisfy the eligibility requirements declared by the Company for the relevant plan.

• Silver Plan and Golden Plan I are intended for individuals aged 18 years or above, subject to the applicable criteria declared by the Company.
• Golden Plan II is intended for Customer Service Point applicants meeting infrastructure, branding, and investment requirements.
• Platinum Plan is intended for eligible persons who can provide valid income proof and execute all required documentation.
  The Company may request identity proof, address proof, age proof, business proof, bank details, PAN, Aadhaar, GST details, shop documents, photographs, and any additional documents considered necessary for onboarding, verification, compliance, audit, or risk control.

Membership Plans

Silver Plan - Rs. 500

• Total membership amount: Rs. 500.
• Rs. 230 shall be treated as bank KYC processing charges.
• Rs. 270 shall be credited to the Member's Main Wallet for approved BBPS or related service usage.
• Wallet credit is non-transferable and may be used only for authorized service transactions, subject to validity, technical availability, and compliance rules.

Golden Plan I - Rs. 1,000

• Total membership amount: Rs. 1,000.
• Rs. 400 shall be treated as the first installment toward NPS account processing or onboarding, wherever applicable.
• Rs. 600 shall be charged as IRB service fee.
• Activation of the related service is subject to eligibility, documentation, and successful processing by the concerned institution or system.

Golden Plan II - Rs. 25,000

• Total registration amount: Rs. 25,000.
• This amount is a one-time registration fee and is strictly non-refundable.
• The applicant acknowledges that an additional investment of approximately Rs. 80,000 to Rs. 90,000 may be required for setup, equipment, furniture, branding, software, working capital, licenses, deposits, or other operational needs.
• Minimum shop area should be 100 square feet, or such other area as the Company may prescribe.
• Exterior and interior setup shall conform to IRB branding, theme, layout, and operational standards.
• Approval, activation, territory assignment, and business commencement are subject to verification, inspection, market viability, and the Company's internal approval process.

Platinum Plan - Rs. 1,00,000

• Total contribution amount: Rs. 1,00,000.
• Valid income proof and any other financial or KYC documents required by the Company must be submitted before approval.
• The amount shall be deployed in RFII or a similar contracted arrangement strictly subject to a separate written agreement.
• Indicative structure: amount Rs. 1,00,000, fixed term 10 years, lock-in period 3 years, and annual interest income of Rs. 9,999, subject to the executed contract, regulatory permissibility, tax deduction, force majeure, and operational conditions.
• No representation shall be treated as a guaranteed return unless expressly stated in a separately executed written contract signed by authorized signatories.

Payment Terms

All payments must be made through approved banking channels, digital modes, or other methods authorized by the Company. The Member is solely responsible for ensuring correct payment details and preserving proof of payment. The Company reserves the right to reject, reverse, hold, or delay activation in case of suspicious, incomplete, disputed, failed, or non-compliant transactions.

Non-Refund Policy

Unless specifically required by applicable law or expressly approved in writing by the Company, all registration fees, service fees, onboarding charges, processing charges, branding charges, infrastructure costs, and membership amounts are non-refundable. Amounts already utilized for processing, wallet credit, onboarding, KYC, documentation, branding, third-party charges, or service activation shall not be refunded.

Wallet and Service Usage

Wallet balances, if any, may be used only for approved services offered through the Company platform. Cash withdrawal, transfer to unauthorized accounts, resale, encashment, or misuse of wallet balances is prohibited unless expressly permitted in writing. The Company may suspend or reverse wallet benefits in case of fraud, duplicate registration, chargeback, regulatory concerns, or breach of these Terms.

Member Obligations

Each Member agrees:

• To provide true, complete, and updated information at all times.
• To comply with KYC, AML, data verification, audit, and operational requirements.
• To use the membership and services only for lawful purposes.
• Not to misrepresent the Company, its products, income opportunities, returns, approvals, or regulatory status.
• Not to collect money from the public, promise guaranteed returns, issue unauthorized receipts, or conduct activities beyond written authorization.
• To maintain proper records, invoices, registers, and customer documents wherever applicable.

Customer Service Point Terms

Applicants under Golden Plan II or similar plans shall additionally comply with the following:

• Maintain the approved premises, branding, equipment, software environment, and customer service standards.
• Allow inspection, monitoring, branding verification, training, and compliance review by the Company or its representatives.
• Bear all local expenses including rent, electricity, staff cost, internet, maintenance, municipal permissions, and business operation expenses unless otherwise agreed in writing.
• Refrain from offering services outside the scope authorized by the Company.

Interest, Income, and Taxation

Any payout, benefit, incentive, commission, service income, or contractual return shall be subject to the specific written contract, applicable law, tax deduction, TDS, accounting treatment, and regulatory compliance. The Member is solely responsible for personal tax reporting, disclosures, and legal compliance unless otherwise provided by law.

No Employment or Partnership

Membership, registration, service point approval, or participation in any plan shall not create any employer-employee relationship, partnership, joint venture, agency, or franchise right except to the limited extent expressly stated in a separate written agreement.

Compliance with Law

All plans and services are subject to applicable laws, notifications, circulars, banking requirements, financial regulations, IT laws, consumer rules, anti-money laundering norms, and any direction issued by a competent authority. If any service, feature, payout model, or plan component is restricted, modified, or discontinued due to legal or regulatory reasons, the Company may revise or suspend the same without liability except as required by law.

Suspension and Termination

The Company may suspend, deactivate, cancel, or terminate any membership or related service without prior notice in cases including suspected fraud, false documentation, misconduct, non-compliance, reputational harm, chargeback, misuse of branding, customer complaints, illegal activity, or breach of these Terms. In such cases, the Company may withhold benefits, deactivate access, or initiate legal action.

Limitation of Liability

The Company shall not be liable for any indirect, incidental, special, consequential, speculative, or business losses arising from delay, rejection, service outage, regulatory action, technical failure, third-party dependency, incorrect information submitted by the Member, or misuse of credentials. The Company's aggregate liability, if any, shall be limited to the amount actually received by the Company for the relevant plan, unless a higher liability is mandated by law.

Indemnity

The Member agrees to indemnify and hold harmless the Company, its directors, officers, employees, affiliates, and agents against any loss, claim, demand, penalty, damage, proceeding, or expense arising out of the Member's misrepresentation, breach, unlawful conduct, customer dispute, tax default, regulatory violation, data misuse, or unauthorized business practice.

Confidentiality and Non-Disclosure Agreement (NDA)

Confidential Information

For the purpose of this NDA, Confidential Information includes all non-public information, whether oral, written, digital, visual, or otherwise recorded, relating to the Company's business, business model, pricing, commission structure, membership plans, partner data, customer data, KYC documents, software, portal access, training materials, financial information, source materials, agreements, strategy, operations, marketing methods, trade secrets, vendor details, internal communications, and all documents marked or reasonably understood as confidential.

Non-Disclosure Obligations

The Member shall:

• Keep all Confidential Information strictly confidential.
• Use Confidential Information only for the limited purpose of evaluating or operating the approved membership or service relationship.
• Not copy, reproduce, disclose, publish, circulate, share, forward, sell, exploit, reverse engineer, or distribute Confidential Information to any third party without prior written consent of the Company.
• Restrict access to Confidential Information only to persons who have a legitimate need to know and who are bound by equivalent confidentiality obligations.
• Protect all passwords, portal credentials, customer data, and internal documents using reasonable security measures.

Exclusions

Confidential Information shall not include information that the Member can prove:

• Was lawfully available in the public domain without breach of this document.
• Was already lawfully known to the Member before disclosure by the Company.
• Was independently developed without use of the Company's confidential material.
• Was disclosed pursuant to a lawful order of a court or competent authority, provided that prior notice is given to the Company where legally permissible.

Ownership and Return of Information

All Confidential Information shall remain the sole property of the Company. Upon demand, suspension, termination, or completion of the relationship, the Member shall immediately stop using and shall return, delete, or destroy all Confidential Information, documents, data, credentials, marketing materials, copies, and extracts, subject to legal retention requirements.

Duration of NDA

The confidentiality obligations under this document shall commence from the date of first access to Confidential Information and shall continue during the membership term and for a period of five years after termination or expiry, or for such longer period as may apply to trade secrets, personal data, or confidential business information under applicable law.

Breach and Remedies

Any breach of the NDA may cause irreparable harm to the Company. Accordingly, the Company shall be entitled to injunctive relief, specific performance, suspension, termination, damages, recovery of losses, and any other remedy available under law or equity, without prejudice to its other rights.

Data Privacy and Consent

The Member consents to collection, storage, verification, processing, and use of personal, financial, biometric, business, and transaction data for onboarding, compliance, KYC, service delivery, communication, analytics, audit, fraud prevention, legal reporting, and operational support. The Company may share data with banks, government agencies, service providers, payment processors, auditors, legal advisers, technology partners, and regulators where required for lawful business purposes.

Intellectual Property

All trademarks, logos, trade names, branding elements, website content, software interfaces, promotional materials, process documents, and business methods of the Company remain the exclusive property of the Company or its licensors. No Member shall acquire any ownership rights merely by registration, use, or participation in any plan.

Communications

The Member authorizes the Company to communicate through phone call, SMS, WhatsApp, email, portal notification, or any registered communication channel for service updates, alerts, notices, recovery, compliance, and promotional or operational communication.

Amendment

The Company may modify, update, revise, replace, or withdraw these Terms and Conditions or any plan feature at any time. The latest version published by the Company or otherwise communicated shall prevail from the effective date unless prohibited by law.

Governing Law and Jurisdiction

These Terms and Conditions shall be governed by the laws of India. Subject to applicable law, disputes shall be subject to the jurisdiction of the competent courts at the location determined by the Company in the governing agreement or principal office, unless otherwise required by law.

Declaration

By applying for or using any membership plan, the Member confirms that the Member has read, understood, and agreed to these Terms and Conditions, including the Confidentiality and Non-Disclosure obligations, and agrees to comply fully with them.

Signature Block

For the Company
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Authorized Signatory: ________as per data feed
Date: ________as per data feed

Member / Applicant
Name: ________as per data feed
Address: ________as per data feed
Mobile: ________as per data feed
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Date: ________as per data feed