> COMPLIANCE INDEX & STATUTORY MAPPING

1. PURPOSE & SCOPE

1.1 Purpose

This Compliance Index & Statutory Mapping is a public reference document that
explains how STCNET Private Limited maps its website policies to the principal
Indian laws, rules, regulations, and compliance principles relevant to its e-
commerce, direct-selling, referral-commerce, product-sale, service-facilitation,
consumer protection, data protection, payment, taxation, and product-regulatory
framework.

This Index is designed to:

• provide a consolidated public overview of STCNET’s compliance
  framework;
• help consumers, Promoters / Referrers, regulators, auditors, and
  stakeholders understand where key disclosures are addressed;
• map STCNET’s public policies to major applicable legal and regulatory
  themes;
• support transparency in STCNET’s product-first and sale-only business
  model;
• identify the main policy pages that should be read for consumer rights,
  grievance redressal, compensation disclosure, privacy, pricing, delivery,
  returns, and product regulatory compliance;
• support internal compliance review, audit readiness, and regulatory
  response.

This Index is a reference document. It does not replace the full text of any
policy, statute, rule, regulation, licence, contract, regulator direction, professional
advice, or applicable law.

1.2 Legal Basis

This Index is framed with reference to applicable Indian laws, rules, and
regulatory frameworks, including:

1.3 Applicability

This Index applies to:

• all public policies published on the official STCNET website;
• consumer-facing compliance disclosures;
• Promoter / Referrer compliance disclosures;
• e-commerce, direct-selling, referral-commerce, product-sale, service-
  facilitation, grievance, privacy, pricing, delivery, return, and refund
  disclosures;
• internal compliance registers and evidence files, to the extent relevant for
  governance, audit, or regulatory review.

This Index does not mean that all internal documents, licences, contracts,
evidence files, vendor records, audit files, tax records, board records, or legal
opinions are publicly disclosed.

STCNET may maintain internal compliance evidence separately, including
licences, certificates, KYC records, vendor documents, product authorisation
records, commission eligibility records, grievance logs, tax records, audit records,
and regulatory correspondence.

1.4 Interpretation

This Index must be read subject to the following principles:

1. The full text of the relevant policy prevails over this Index for that policy

subject matter.

2. Applicable law prevails over STCNET’s policies where law is mandatory.

3. This Index is not a legal opinion, tax opinion, licence certificate,

government approval, regulator approval, or guarantee of compliance.

4. Law, rules, notifications, regulator expectations, and business operations

may change.

5. Section references are indicative and may be updated if policies are

amended.

6. STCNET may revise this Index to reflect changes in law, regulatory

guidance, business operations, or internal compliance design.

2. PUBLIC POLICY FRAMEWORK

STCNET’s public compliance framework is organised into the following policies:

3. POLICY-TO-STATUTORY MAPPING

3.1 Policy #1 — Legal Entity & Statutory Disclosures

3.2 Policy #2 — Consumer Protection (Direct Selling) Compliance

Statement

3.3 Policy #3 — Promoter / Referrer Code of Conduct

3.4 Policy #4 — Compensation Structure & Commission Disclosure

3.5 Policy #5 — Grievance Redressal & Consumer Complaints

3.6 Policy #6 — Returns, Refunds & Cancellation

3.7 Policy #7 — Pricing, Payments & Charges

3.8 Policy #8 — Shipping, Delivery & Fulfilment

3.9 Policy #9 — Privacy Policy

3.10 Policy #10 — Terms & Conditions

3.11 Policy #11 — Product / Service Regulatory Disclosures

3.12 Policy #12 — Cookie & Tracking Consent Policy

3.13 Policy #13 — No Income Guarantee Disclaimer

4. DIRECT SELLING SAFEGUARDS DECLARATION

STCNET declares the following safeguards as part of its direct-selling and referral-
commerce compliance framework:

income eligibility

income

scheme

eligible completed sales

disclosed

reverse commission

for commission
eligibility

Conduct

contact

disclosure

protection

5. STATE / UT DIRECT SELLING COMPLIANCE FRAMEWORK

5.1 State Monitoring

Under the Direct Selling Rules framework, State Governments / Union Territories
may establish mechanisms to monitor or supervise direct-selling activities and
may require filings, undertakings, enrolment, registration, information
submission, or compliance communication.

STCNET acknowledges that state-level requirements may vary and may change
from time to time.

5.2 STCNET State Compliance Approach

STCNET shall adopt a state-aware compliance approach, including:

• monitoring applicable State / UT notifications;
• maintaining an internal State Compliance Register;
• preserving readiness for filing, undertaking, enrolment, or registration
  where required;
• responding to notices, directions, or requests from competent authorities;
• updating policies and internal records where state-level compliance
  requirements become applicable;
• obtaining professional advice where required.

5.3 Public Disclosure Limitation

This Index does not list every State / UT notice, guideline, filing, undertaking, or
operational record.

State-specific registrations, undertakings, notices, replies, acknowledgements, or
regulator communications may be maintained internally and produced to
competent authorities where required.

6. GRIEVANCE REDRESSAL COMPLIANCE

STCNET’s grievance framework is mapped through Policy #5 and related policies.

7. PRODUCT AND COMMISSION ELIGIBILITY CONTROL

7.1 Product Compliance Gate

STCNET shall maintain product compliance controls before listing regulated or
restricted products.

Such controls may include:

• vendor document collection;
• lawful sourcing review;
• licence / registration checks;
• label review;
• Legal Metrology review;
• FSSAI review;
• BIS / CRS review;
• cosmetics / medical devices review;
• warranty and return feasibility review;
• product risk classification;
• recall and delisting readiness.

7.2 Commission Eligibility Gate

A product being lawfully sold on STCNET does not automatically mean that
Promoter / Referrer commission is payable on that product.

Commission eligibility is subject to:

• eligible completed sale;
• product eligibility;
• STCNET’s ownership / holding / licence / authorisation / trademark / service
  mark / brand / commercial right where required;
• Product Authorisation & Commission Eligibility Register approval;
• compensation policy compliance;
• return / refund / cancellation / chargeback review;
• KYC, tax and compliance conditions;
• no fraud, no manipulation and no policy breach.

8. RECORD RETENTION AND AUDIT FRAMEWORK

8.1 Record Retention Principle

STCNET shall maintain records for the period required under applicable law, tax
law, GST law, accounting rules, direct-selling compliance, consumer protection
requirements, product compliance needs, privacy obligations, audit needs,
dispute-resolution needs, litigation requirements, or Company policy.

Where commercially and legally appropriate, STCNET may retain relevant
compliance records for up to 8 years, or longer where required by law, legal

proceedings, regulatory inquiry, tax audit, fraud investigation, product liability,
or unresolved dispute.

8.2 Indicative Record Categories

9. INTERNAL COMPLIANCE REGISTERS

STCNET may maintain internal registers and evidence files, including:

These registers may be internal and need not be publicly displayed unless
required by law, regulator direction, court order, or Company policy.

10. VERSION CONTROL AND GOVERNANCE

10.1 Document Control

Statutory

Disclosures

Protection

(Direct Selling)

Compliance

Statement

Referrer Code of

Conduct

Structure &

Commission

Disclosure

Redressal &

Consumer

Complaints

Refunds &

Cancellation

Payments &

Charges

Delivery &

Fulfilment

The terms “Published / Active” indicate public availability on the STCNET website.
They do not mean that the policy cannot be amended, updated, corrected,
replaced, or supplemented.

10.2 Governance Process

11. PUBLIC STATUTORY SAFEGUARD SUMMARY

STCNET’s public policy stack is designed to reflect the following safeguards:

12. LIMITATION AND INTERPRETATION

This Compliance Index is published for transparency and reference purposes.

This Index does not:

• certify legal compliance by itself;
• replace legal, tax, accounting, technical, regulatory, or professional advice;
• create rights beyond the relevant policy text and applicable law;
• amount to government approval, regulator approval, licence approval, tax
  approval, or statutory certification;
• require STCNET to publicly disclose confidential internal records, vendor
  documents, legal opinions, tax filings, contracts, system logs, or audit files
  unless required by law.

If there is any inconsistency between this Index and a specific STCNET policy, the
specific policy shall prevail for that subject matter.

If there is any inconsistency between STCNET’s policies and applicable
mandatory law, applicable law shall prevail.

13. POLICY UPDATES

STCNET may amend, revise, update, replace, reorganise, or supplement this
Index from time to time to reflect changes in:

• applicable law;
• regulatory guidance;
• website policies;
• business operations;
• direct-selling framework;
• product categories;
• privacy and data practices;
• payment systems;
• grievance mechanism;
• state compliance requirements;
• internal compliance controls;
• audit or governance processes.

The latest version published on the STCNET website shall prevail prospectively.

End of Policy #14 – Compliance Index & Statutory Mapping