NO INCOME GUARANTEE DISCLAIMER

1. PURPOSE & SCOPE

1.1 Purpose

This No Income Guarantee Disclaimer establishes the clear and binding principle
that STCNET Private Limited does not guarantee any income, earnings,
commission, incentive, financial return, business success, employment, salary,
passive income, investment return, or assured benefit to any person using,
joining, promoting, referring, participating in, or associating with STCNET’s
platform, referral programme, direct-selling structure, product sales, service
sales, or any related activity.

This Disclaimer is designed to:

• protect consumers, users, prospects, and Promoters / Referrers from
  unrealistic or misleading income expectations;
• prevent false, exaggerated, deceptive, recruitment-based, passive-income,
  or guaranteed-income claims;
• clarify that any commission is strictly sale-linked and arises only from
  eligible completed product / service sales;
• confirm that joining, registration, referral, recruitment, network position,
  rank, level, team size, or participation alone does not generate income;
• reinforce STCNET’s product-centric and sale-only compensation model;
• prevent STCNET from being represented as an investment scheme, job,
  salary platform, deposit scheme, money circulation scheme, pyramid
  scheme, or get-rich-quick programme;
• ensure consistency with STCNET’s Compensation Structure & Commission
  Disclosure Policy and Promoter / Referrer Code of Conduct;
• support compliance with applicable consumer protection, direct selling,
  advertising, and anti-money-circulation laws.

1.2 Legal Basis

This Disclaimer is framed with reference to applicable Indian laws and
regulatory requirements, including:

1.3 Applicability

This Disclaimer applies to:

• all website visitors, users, customers, prospects, and participants
  interacting with STCNET;
• all Promoters / Referrers registered with or associated with STCNET;
• all STCNET product, service, referral, direct-selling, and promotional
  communications;
• all public and private communications relating to STCNET’s compensation
  model;
• all social media posts, videos, presentations, webinars, meetings, training
  sessions, promotional content, WhatsApp messages, emails, calls, scripts,
  brochures, screenshots, dashboards, and illustrations relating to STCNET;
• all official and unofficial statements made by Promoters / Referrers,
  vendors, influencers, trainers, team leaders, or third parties in connection
  with STCNET;
• all websites, portals, dashboards, digital interfaces, and public pages
  operated by STCNET.

This Disclaimer does not restrict:

• truthful product information unrelated to income;
• legally required disclosures;
• official STCNET policy disclosures;
• factual commission calculation explanations made strictly in accordance
  with STCNET’s approved policies.

No person is authorised to create an exception to this Disclaimer by verbal
assurance, private message, social media statement, presentation, training, or
unofficial communication.

2. DEFINITIONS

For the purpose of this Disclaimer:

3. CORE PRINCIPLES

3.1 No Income Guarantee

STCNET does not guarantee any income, earnings, commission, incentive,
financial return, business success, employment, salary, passive income,
investment return, or assured benefit to any participant.

No person is entitled to income merely because they:

• register with STCNET;
• join as a Promoter / Referrer;
• refer another person;
• recruit or introduce another person;
• occupy any level, position, rank, or placement;
• build a team or network;
• remain active on the platform;
• purchase products;
• self-consume products;
• attend training or meetings;
• share links or promotional content;
• hold a dashboard account.

3.2 Sale-Only Remuneration

Any commission, incentive, payout, or benefit that may become payable is:

• sale-linked — arising only from eligible completed product / service sales;
• variable — not fixed, predetermined, minimum, or assured;
• conditional — subject to eligibility checks, returns, refunds, cancellations,
  chargebacks, fraud review, KYC, tax compliance, and policy compliance;
• capped — limited under STCNET’s Compensation Structure & Commission
  Disclosure Policy;
• non-assured — with no promise of amount, frequency, continuity, or
  future availability.

No sale means no commission.

3.3 No Recruitment Income

STCNET does not pay and shall not represent that it pays income for:

• joining;
• registration;
• enrolment;
• recruitment;
• adding members;
• introducing Promoters / Referrers;
• team creation;
• network building;
• filling levels;
• rank achievement;
• positional placement;
• chain expansion.

Any compensation, where applicable, is linked only to eligible completed
product / service sales and not to recruitment or mere participation.

3.4 No Passive Income

STCNET does not represent that any commission or earning is:

• passive;
• automatic;
• effortless;
• recurring without ongoing eligible sales;
• residual without genuine product / service sales;
• generated by downline activity alone;
• generated by network position alone;
• generated without lawful customer transactions.

3.5 Results Vary

Individual outcomes, if any, may vary significantly and depend on factors
including:

• actual consumer demand;
• genuine eligible product / service sales;
• individual effort and lawful activity;
• product category and commission eligibility;
• compliance with STCNET policies;
• returns, refunds, cancellations, and chargebacks;
• market conditions;
• customer behaviour;
• regulatory restrictions;
• KYC and tax compliance;
• ethical and lawful conduct;
• personal capability, time, skill, and consistency.

Most participants may earn little or nothing if eligible sales are not generated.

4. PRIMARY DISCLAIMER TEXT

4.1 Main Disclaimer

The following disclaimer shall apply to STCNET’s compensation model:

“STCNET does not guarantee any income, earnings, commission, financial
return, business success, employment, salary, passive income, investment
return, or assured benefit to any participant. Any commission, incentive, or
payout, where applicable, is strictly linked to eligible completed product /
service sales and is subject to STCNET’s Compensation Structure &
Commission Disclosure Policy, returns, cancellations, refunds, chargebacks,
product eligibility, KYC, statutory deductions, and compliance review.

No sale means no commission. Joining, registration, referral, recruitment,
team building, network positioning, rank, level, participation, or self-
purchase alone does not generate income. Results vary and depend on actual
eligible product / service sales, individual effort, consumer demand, market
conditions, and policy compliance.

STCNET is not a job, employment platform, salary-paying arrangement,
investment scheme, deposit scheme, money circulation scheme, pyramid
scheme, passive-income system, get-rich-quick programme, or guaranteed-
income opportunity.”

4.2 Website Disclaimer

The following disclaimer may be displayed on the STCNET website, compensation
page, Promoter / Referrer page, registration page, and relevant public pages:

“Information on this website relating to commission, referral,
compensation, or illustrations is for disclosure and educational purposes
only. It does not constitute a promise, guarantee, assurance, projection, or
representation of future earnings. Past examples, hypothetical illustrations,
dashboard screenshots, or success stories, if any, must not be treated as
typical, expected, guaranteed, or predictive. No sale means no commission.”

4.3 Promoter / Referrer Acknowledgement

Every Promoter / Referrer shall acknowledge, during onboarding or continued
participation, substantially the following:

“I understand and acknowledge that STCNET does not guarantee any income,
earnings, commission, financial return, business success, employment,
salary, passive income, investment return, or assured benefit. Any
commission, if applicable, arises only from eligible completed product /
service sales and is subject to STCNET policies, returns, refunds,
cancellations, chargebacks, KYC, statutory deductions, and compliance
review. No sale means no commission. I shall not make any income claim,
recruitment claim, lifestyle claim, passive-income claim, investment-return
claim, or business opportunity representation to any person.”

5. PROHIBITED INCOME CLAIMS

5.1 Absolute Prohibitions

No person, including STCNET personnel, Promoters / Referrers, vendors,
influencers, trainers, third parties, or persons acting in connection with STCNET,
shall make, imply, publish, circulate, display, or suggest any prohibited income
claim.

5.2 Prohibited Words and Phrases

Promoters / Referrers shall not use words or phrases such as:

• guaranteed income;
• fixed income;
• passive income;
• assured return;
• salary replacement;
• financial freedom guaranteed;
• risk-free income;
• investment opportunity;
• get rich quick;
• lifetime income without work;
• automatic earning;
• downline income;
• recruitment income;
• government approved income;
• matrix filling income;
• team income guarantee;
• no work income;
• job opportunity with income guarantee.

Equivalent wording, translation, implication, image, emoji, chart, reel, video,
audio, presentation, or local-language expression having the same meaning is
also prohibited.

6. PERMITTED DISCLOSURES

6.1 Permitted Statements

The following statements may be used only if they are accurate, complete, non-
misleading, and consistent with STCNET’s official policies:

Promoters / Referrers must use official STCNET materials and must not simplify,
exaggerate, reinterpret, or modify the compensation disclosure.

6.2 Mandatory Disclaimer with Compensation Content

Any official STCNET-approved compensation explanation, training, illustration,
simulation, presentation, video, webpage, or onboarding material must carry a
clear disclaimer substantially stating:

“This information is for explanation only and is not an income guarantee.
Commission, if any, depends only on eligible completed product / service
sales and compliance with STCNET policies. No sale means no commission.
Joining, recruitment, level, rank, or network position alone does not
generate income.”

Promoters / Referrers shall not publish compensation-related content unless it
uses or links to official STCNET disclosures.

7. ILLUSTRATIONS, EXAMPLES AND SIMULATIONS

7.1 Purpose of Illustrations

STCNET may provide illustrations, simulations, or examples only to explain how
the compensation formula works mathematically.

Such illustrations:

• are for educational and disclosure purposes only;
• do not constitute a promise, guarantee, assurance, projection, or
  prediction;
• are hypothetical;
• may be based on assumptions that may never occur;
• do not represent typical, average, expected, or assured results;
• must not be used as a sales inducement or recruitment inducement.

7.2 Conditions for Use of Illustrations

Any illustration must clearly mention, where applicable:

• that it is hypothetical;
• that it assumes eligible completed product / service sales;
• that GST, taxes, delivery charges, returns, refunds, cancellations,
  chargebacks, and excluded amounts are not commissionable unless
  otherwise stated in Policy #4;
• that product eligibility and commission eligibility are subject to Company
  policy;
• that no sale means no commission;
• that actual earnings may be zero.

7.3 Disclaimer on Illustrations

All illustrations shall be accompanied by the following disclaimer:

“This is an illustration only and does not constitute a promise, guarantee,
assurance, or prediction of future earnings. Actual earnings, if any, depend
solely on eligible completed product / service sales, individual effort,
consumer demand, product eligibility, and compliance with STCNET policies.
No sale means no commission. Actual earnings may be zero.”

8. PROMOTER / REFERRER OBLIGATIONS

8.1 No Income Claims

Every Promoter / Referrer shall:

• not make income guarantees, projections, promises, assurances, or
  predictions;
• not create or circulate unofficial income charts, commission charts, payout
  tables, screenshots, simulations, or calculators;
• not display wallet screenshots, bank statements, payout proofs, dashboard
  figures, edited screenshots, or testimonials to imply typical or guaranteed
  earnings;
• not compare STCNET’s compensation plan with other companies;
• not imply that STCNET is a job, employment, salary, investment, or assured
  business opportunity;
• not suggest that joining STCNET guarantees financial success;
• not use cars, houses, travel, luxury goods, lifestyle imagery, or emotional
  pressure to imply income;
• not make recruitment, team-building, downline, rank, matrix, or passive-
  income claims;
• not give tax, legal, GST, accounting, financial, or investment advice on
  behalf of STCNET;
• not conduct unofficial seminars, webinars, calls, or trainings containing
  income claims.

8.2 Reference to Official Disclosures

Promoters / Referrers shall direct all prospects, users, and consumers to STCNET’s
official policies, including:

• Compensation Structure & Commission Disclosure;
• Promoter / Referrer Code of Conduct;
• No Income Guarantee Disclaimer;
• Consumer Protection (Direct Selling) Compliance Statement;
• Grievance Redressal & Consumer Complaints.

Promoters / Referrers shall not reinterpret, simplify, exaggerate, modify, translate
inaccurately, or privately explain the compensation structure in a way that
changes its meaning.

8.3 Reporting Misleading Claims

Promoters / Referrers must report misleading income claims, fake screenshots,
recruitment claims, lifestyle claims, or unauthorised compensation material to
STCNET through the official grievance or compliance channel.

Failure to report serious known misuse may be considered during compliance
review.

9. ENFORCEMENT

9.1 Breach Consequences

Violation of this Disclaimer may result in one or more of the following, depending
on seriousness, evidence, repetition, consumer harm, and legal risk:

• warning;
• takedown direction;
• correction / retraction requirement;
• mandatory retraining;
• suspension of referral privileges;
• hold on commission pending investigation;
• reversal of commission linked to misleading conduct;
• rejection of ineligible commission;
• termination of Promoter / Referrer status;
• blacklisting from future participation;
• recovery of losses;
• reporting to regulators or law enforcement where required;
• civil, criminal, or regulatory action where appropriate.

9.2 Commission Forfeiture / Reversal

Unpaid commission may be withheld, reversed, rejected, or forfeited only where
permitted under STCNET’s policies, applicable law, and the facts of the case,
including where the commission is linked to fraud, misrepresentation, income
claims, recruitment claims, fake sales, circular transactions, policy breach,
cancellation, return, refund, chargeback, or non-compliant conduct.

Nothing in this Policy authorises arbitrary forfeiture of lawful and payable
amounts.

9.3 No Prior Warning Required for Serious Misconduct

STCNET may take immediate action without prior warning where the conduct
involves serious income misrepresentation, recruitment inducement, fraud, fake
screenshots, consumer harm, regulatory risk, repeated breach, or threat to
platform integrity.

Where reasonably practicable and legally permissible, STCNET may provide an
opportunity to respond.

10. CONSUMER PROTECTION

10.1 Protection from Misleading Claims

STCNET is committed to protecting consumers, users, prospects, and Promoters /
Referrers from misleading, deceptive, or fraudulent income claims.

Any person who receives an income claim, business opportunity claim,
recruitment claim, lifestyle claim, passive-income claim, investment-return claim,
or guaranteed-income representation should:

• verify the statement against STCNET’s official policies;
• not rely on verbal assurances, screenshots, private messages, or unofficial
  material;
• report the representation to STCNET at grievance@stcnet.in;
• preserve screenshots, videos, links, messages, call recordings where
  lawfully obtained, and other evidence.

10.2 Unfair Trade Practice Prohibition

STCNET does not permit unfair trade practices, including:

• false or misleading income representations;
• concealment of material terms of the compensation plan;
• pressure to join;
• pressure to purchase;
• recruitment-based inducement;
• passive-income inducement;
• fake payout claims;
• misleading testimonials;
• misleading lifestyle claims;
• use of unofficial compensation material.

10.3 Consumer Rights Preserved

Nothing in this Disclaimer limits or excludes any statutory right, consumer
remedy, grievance right, refund right, product liability remedy, or legal remedy
available under applicable law.

11. RECORDS AND AUDIT

11.1 Record Maintenance

STCNET shall maintain records of:

• Promoter / Referrer acknowledgements of this Disclaimer;
• policy acceptance logs;
• training and educational materials;
• official compensation disclosures;
• income-claim complaints;
• screenshots, links, videos, messages, or evidence submitted;
• takedown directions;
• corrective communications;
• enforcement actions;
• commission holds, reversals, rejections, or recoveries linked to income-
  claim violations;
• compliance review notes;
• regulatory communications, where applicable.

11.2 Retention Period

Records shall be retained for the period required under applicable law, audit
requirement, regulatory requirement, dispute-resolution need, legal proceeding,
consumer complaint, fraud review, or Company policy.

Where commercially and legally appropriate, STCNET may retain income-claim,
Promoter / Referrer acknowledgement, enforcement, complaint, and compliance
records for up to 8 years.

11.3 Audit Readiness

Records shall be maintained in a manner reasonably designed to support:

• internal audit;
• Promoter / Referrer compliance review;
• consumer complaint handling;
• regulator inspection;
• direct selling compliance;
• enforcement action;
• legal proceedings;
• defence against misleading income claim allegations;
• training and corrective action.

12. PUBLIC DISPLAY AND PLACEMENT

This Disclaimer may be displayed or linked on:

• website footer;
• registration page;
• Promoter / Referrer onboarding page;
• compensation disclosure page;
• referral programme page;
• dashboard;
• training material;
• policy index;
• public compliance pages;
• promotional pages where compensation is mentioned;
• any page where commission, referral, income, payout, or compensation is
  explained.

STCNET may require explicit acceptance of this Disclaimer before allowing
Promoter / Referrer participation.

13. RELATED POLICIES

This Disclaimer should be read together with:

1. Legal Entity & Statutory Disclosures

2. Consumer Protection (Direct Selling) Compliance Statement

3. Promoter / Referrer Code of Conduct

4. Compensation Structure & Commission Disclosure

5. Grievance Redressal & Consumer Complaints

6. Returns, Refunds & Cancellation

7. Pricing, Payments & Charges

8. Shipping, Delivery & Fulfilment

9. Privacy Policy

10. Terms & Conditions (Website Use)

11. Product / Service Regulatory Disclosures

12. Cookie & Tracking Consent Policy

13. Compliance Index & Statutory Mapping

14. POLICY UPDATES

This Disclaimer may be amended, revised, or updated from time to time to reflect
changes in applicable law, regulatory requirements, compensation structure,
internal compliance controls, enforcement practices, or business operations.

The latest version published on STCNET’s website shall prevail.

End of Policy #13 – No Income Guarantee Disclaimer