PRODUCT / SERVICE REGULATORY
DISCLOSURES

1. PURPOSE & SCOPE

1.1 Purpose

This Policy explains the product and service regulatory disclosure framework
followed by STCNET Private Limited for products and services listed, offered,
sold, facilitated, promoted, or supplied through its official website and authorised
platform.

This Policy is designed to:

• ensure that products and services listed on the STCNET platform comply
  with applicable Indian laws;
• disclose category-specific compliance requirements in a clear and
  consumer-friendly manner;
• protect consumer health, safety, and statutory rights;
• prevent misleading, exaggerated, unlawful, or unverified product/service
  claims;
• ensure that regulated products are listed only after appropriate compliance
  checks;
• ensure that commission eligibility is linked to lawful product authorisation
  and trademark / brand rights where required under direct selling law;
• maintain audit-ready records of licences, declarations, vendor documents,
  product authorisations, commission eligibility, and regulatory approvals;
• ensure that Promoters / Referrers communicate product and service
  information truthfully and only from official Company sources.

1.2 Legal Basis

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

1.3 Applicability

This Policy applies to:

• physical goods listed, offered, supplied, or sold through STCNET’s official
  website or authorised platform;
• services booked, facilitated, or supplied through STCNET’s official platform,
  where applicable;
• product pages, service pages, descriptions, images, labels, declarations,
  invoices, warranty statements, and consumer communications;
• STCNET’s vendors, suppliers, fulfilment partners, service partners, logistics
  partners, and Promoters / Referrers, to the extent applicable;
• regulated and non-regulated products;
• product compliance, product authorisation, service compliance, safety,
  recall, audit, and consumer complaint records.

This Policy does not apply to:

• products or services purchased from unrelated third-party websites,
  marketplaces, sellers, shops, or platforms;
• products not verifiably purchased through STCNET’s official platform;
• unauthorised claims made by Promoters / Referrers, vendors, influencers,
  or third parties outside STCNET’s approved content;
• independent third-party services not booked, controlled, or facilitated
  through STCNET.

Nothing in this Policy limits any statutory right available to consumers under
applicable law.

2. DEFINITIONS

For the purpose of this Policy:

3. CORE COMPLIANCE PRINCIPLES

3.1 Product Compliance Verification Process

STCNET shall implement and maintain a Product Compliance Verification
Process to verify that products listed on the platform comply with applicable
Indian laws, category-specific regulations, labelling requirements, safety
requirements, and consumer disclosure requirements.

The Product Compliance Verification Process may include, as applicable:

• vendor / supplier document collection;
• licence and registration verification;
• FSSAI, BIS, CRS, Medical Devices, Cosmetics, Legal Metrology, GST, and
  other regulatory checks where applicable;
• product label and statutory declaration review;
• country-of-origin and importer declaration review for imported products;
• expiry / shelf-life / batch information verification where applicable;
• product-risk classification;
• restricted product review;
• lawful sourcing and invoice verification;
• brand / trademark / distributor authorisation review where required;
• Product Authorisation & Commission Eligibility Register review where
  commission is proposed;
• periodic review and document refresh;
• suspension, delisting, recall, or commission reversal where non-
  compliance is identified.

No regulated product shall be listed until STCNET is reasonably satisfied, based
on the Product Compliance Verification Process, that the product can be lawfully
listed, sold, supplied, delivered, and disclosed through the platform.

3.2 Public Disclosure and Internal Evidence

Product pages shall display consumer-facing regulatory information required
under applicable law, including MRP, quantity, manufacturer/packer/importer
details, country of origin, expiry, warranty, FSSAI number, BIS/CRS registration,
warnings, or other relevant information, where applicable.

STCNET shall maintain detailed licences, certificates, vendor authorisations,
trademark/brand permissions, purchase documents, compliance undertakings,
test certificates, and regulatory records internally in its Product Compliance
Register.

Not every internal compliance document is required to be publicly displayed
unless required by law or Company policy.

3.3 No Misleading Claims

STCNET, vendors, service partners, and Promoters / Referrers shall not make
false, exaggerated, therapeutic, curative, guaranteed, government-approved,
superiority, health, safety, performance, income, or outcome-based claims unless
such claims are lawful, substantiated, and authorised.

Product and service claims must be consistent with official product labels,
manufacturer information, statutory declarations, approved marketing material,
and applicable law.

3.4 Commission Eligibility and Trademark / Brand Authorisation

In accordance with Rule 5(e) of the Consumer Protection (Direct Selling) Rules,
2021, a product shall be treated as commission-eligible for STCNET’s Direct
Selling / Referral Programme only where STCNET possesses the required
ownership, holding, licence, authorisation, distribution right, trademark/service
mark right, brand permission, or other legally defensible written commercial
right under applicable law and Company policy.

Products that are not commission-eligible may still be sold through STCNET’s e-
commerce platform as ordinary retail products, provided they are lawfully
sourced and compliant, but such products shall not generate Promoter / Referrer
commission unless approved as commission-eligible.

STCNET shall maintain an internal Product Authorisation & Commission
Eligibility Register to track:

• product name;
• brand / manufacturer;
• category;
• supplier / distributor source;
• lawful sourcing evidence;
• trademark / brand / commercial authorisation basis;
• commission eligibility status;
• approval date;
• review status;
• suspension / delisting / reversal status, where applicable.

No Promoter / Referrer commission shall be paid merely because a product is
listed or sold. Commission eligibility shall be governed by the Compensation
Structure & Commission Disclosure Policy and the Product Authorisation &
Commission Eligibility Register.

4. CATEGORY-WISE REGULATORY COMPLIANCE

4.1 Food Products, Beverages, Staples and Nutraceuticals

Food products shall be listed, stored, handled, supplied, or delivered only in
accordance with applicable food safety laws.

STCNET shall obtain and maintain a valid FSSAI Central Licence, or such other
FSSAI licence/registration as may be required under applicable law, for its food
business operations including e-commerce listing, warehousing, distribution,
sale, or direct-selling / referral-commerce supply of food products.

STCNET shall not knowingly list, sell, supply, warehouse, or distribute food
products unless the applicable FSSAI licence/registration requirement for the
relevant operation is satisfied.

Food product compliance may include, where applicable:

Applicable products may include staples, packaged foods, edible oils, spices,
pulses, rice, atta, snacks, beverages, nutraceuticals, health supplements, dairy
products, and any other food article.

4.2 Cosmetics and Personal Care Products

Cosmetics and personal care products shall comply with applicable laws relating
to manufacture, import, labelling, storage, sale, safety, and claims.

STCNET shall not list cosmetics or personal care products where required
regulatory documentation, supplier authorisation, label declarations, or legality
is not reasonably verified.

Compliance may include, where applicable:

Applicable products may include soaps, shampoos, creams, lotions, deodorants,
perfumes, sunscreens, face wash, hair oils, baby care products, and other
cosmetic or personal care items.

4.3 Electronics, Electrical Goods and IT Products

Electronics, electrical goods, IT products, and accessories shall be listed only after
applicable BIS, CRS, safety, labelling, warranty, and e-waste compliance checks
are completed.

Not every electronic product requires BIS/CRS registration. BIS/CRS compliance
shall apply where the product category is notified under applicable
BIS/MeitY/quality-control requirements.

Compliance may include, where applicable:

Applicable products may include mobile accessories, chargers, power banks,
laptops, computers, peripherals, audio products, small electronics, IT accessories,
and notified electrical/electronic products.

4.4 Medical Devices, Drugs and Therapeutic Products

Medicines, drugs, medical devices, notified devices under the Medical Devices
Rules, 2017, diagnostic devices, therapeutic products, health-monitoring devices,
and similar regulated products shall be treated as restricted products.

STCNET shall not list, sell, promote, or facilitate such products unless the
applicable licence, registration, permission, prescription requirement, storage
requirement, sale condition, labelling requirement, and platform compliance
requirement is verified.

Compliance may include, where applicable:

STCNET may decide not to list medicines, prescription drugs, high-risk medical
devices, or therapeutic products unless a separate legal, regulatory, storage, and
operational framework is approved.

4.5 Packaged Commodities

All pre-packaged commodities listed on STCNET shall comply with applicable
Legal Metrology requirements.

Product listings, labels, invoices, or disclosures shall include the following
information where required under applicable law:

STCNET shall not knowingly list packaged commodities with missing, tampered,
misleading, or non-compliant statutory declarations.

4.6 Services

Where STCNET lists, books, facilitates, or supplies services, such services shall be
governed by applicable service terms, consumer protection requirements, pricing
disclosures, grievance mechanism, and partner-verification standards.

Service compliance may include:

STCNET shall not guarantee service outcomes unless expressly stated in writing
and legally supportable.

5. PRODUCT LISTING DISCLOSURES

5.1 General Listing Requirements

For products listed on STCNET, required consumer-facing information shall be
displayed where applicable under law, and additional information may be
displayed where available and useful for consumers.

Such information may include:

STCNET may display information on the product page, cart, checkout, invoice,
packaging, order confirmation, or policy page depending on legal requirement,
product category, technical feasibility, and platform design.

5.2 Reliance on Manufacturer / Vendor Information

STCNET may rely on information supplied by manufacturers, vendors, authorised
distributors, importers, packers, service partners, brand owners, or statutory
labels.

STCNET shall verify material product information for regulated products through
its Product Compliance Verification Process before listing, and shall undertake

periodic review where required by law, internal policy, or product-risk
classification.

Where STCNET becomes aware of incorrect, misleading, expired, non-compliant,
unsafe, or unlawful product information, STCNET shall take appropriate
corrective action, which may include correction, suspension, delisting, recall,
restriction, vendor escalation, or consumer communication.

5.3 Product Images and Representation

Product images, videos, packaging displays, demonstrations, and descriptions are
intended to help consumers understand the product.

Actual packaging, colour, label design, batch, offer pack, or manufacturer
presentation may vary, provided the product remains materially consistent with
the listing and applicable law.

No image or content shall be used to knowingly mislead consumers.

6. PROHIBITED AND RESTRICTED CLAIMS

6.1 Prohibited Claims

Unless expressly lawful, substantiated, and authorised, STCNET, vendors, service
partners, Promoters / Referrers, or third parties acting in connection with
STCNET shall not make:

• exaggerated performance claims;
• therapeutic or curative claims;
• disease-prevention or disease-cure claims;
• “magic remedy” claims;
• guaranteed health or beauty outcomes;
• guaranteed service outcomes;
• misleading superiority or comparison claims;
• government approval or government endorsement claims;
• false warranty, guarantee, certification, or authorisation claims;
• misleading country-of-origin claims;
• fake safety, quality, purity, organic, natural, herbal, Ayurvedic, clinical,
  dermatologist-tested, or lab-tested claims without lawful basis;
• claims inconsistent with product labels, licences, approvals, or applicable
  law.

6.2 Promoter / Referrer Restrictions

Promoters / Referrers may share only official STCNET-approved product links,
descriptions, and materials.

They shall not:

• create unofficial claims;
• modify product information;
• make health, income, safety, certification, price, stock, warranty, return, or
  regulatory claims beyond official disclosures;
• claim government approval;
• claim brand authorisation unless officially disclosed by STCNET;
• make comparative or superiority claims without written authorisation.

Violation may result in enforcement under the Promoter / Referrer Code of
Conduct.

7. VENDOR, SUPPLIER AND SERVICE PARTNER COMPLIANCE

7.1 Vendor Onboarding

STCNET shall require vendors, suppliers, distributors, service partners,
manufacturers, packers, importers, or fulfilment partners to provide applicable
compliance documents before onboarding and periodically thereafter, depending
on product/service category, regulatory risk, and legal requirement.

Such documents may include:

• GST registration details, where applicable;
• FSSAI licence/registration, where applicable;
• BIS/CRS certification or registration details, where applicable;
• Drugs/Cosmetics/Medical Devices licence, registration, or compliance
  documents, where applicable;
• Legal Metrology declarations, where applicable;
• trademark/brand/distributor authorisation or lawful sourcing evidence,
  where applicable;
• warranty/guarantee terms, where applicable;
• product liability, recall, or safety undertaking, where applicable;
• tax invoice, purchase records, and supply-chain evidence;
• declarations confirming that supplied products are genuine, lawful, safe,
  marketable, and compliant.

STCNET may refuse onboarding, block listing, suspend listing, or delist products
where required compliance documents are not provided or are found to be
inadequate, expired, false, misleading, or unverifiable.

7.2 Vendor Monitoring

STCNET shall, where applicable and feasible:

• request updated compliance documents;
• verify licence validity where feasible;
• conduct periodic or risk-based audits;
• inspect product documentation;
• review consumer complaints;
• suspend or delist non-compliant products;
• suspend vendors or suppliers;
• report serious non-compliance where required by law;
• take legal or contractual action where appropriate.

7.3 Service Partner Compliance

Service partners may be required to:

• provide identity, qualification, licence, registration, or experience
  documents where applicable;
• comply with service standards and safety requirements;
• follow pricing and service disclosure rules;
• maintain professional conduct;
• respect consumer privacy and property;
• cooperate with grievance and re-performance/refund processes;
• comply with applicable labour, tax, safety, and local laws.

8. RESTRICTED PRODUCTS AND LISTING GATE

8.1 Restricted Product Categories

STCNET may restrict, prohibit, delay, or subject to enhanced approval the listing
of products including:

• medicines, drugs, medical devices, including notified devices under the
  Medical Devices Rules, 2017, and therapeutic products;
• nutraceuticals, health supplements, and special dietary products;
• cosmetics with regulated claims;
• baby products and hygiene-sensitive products;
• electronics requiring BIS/CRS certification;
• electrical goods requiring safety certification;
• food products requiring specific storage, cold chain, or FSSAI controls;
• imported goods requiring importer/legal metrology/customs compliance;
• products subject to EPR, e-waste, plastic waste, battery waste, or
  environmental obligations;
• products requiring special licence, registration, storage, transport, or
  regulatory approval;
• products prohibited or restricted under applicable law.

8.2 Listing Approval Gate

Before listing regulated or restricted products, STCNET shall require, where
applicable:

• vendor compliance documents;
• purchase invoice or lawful sourcing proof;
• product label review;
• statutory declaration review;
• licence/registration number review;
• FSSAI / BIS / CRS / Medical Device / Cosmetics compliance check, where
  applicable;
• brand/trademark authorisation review, where required;
• warranty/guarantee terms;
• storage and fulfilment suitability;
• return/refund feasibility;
• commission eligibility approval, where applicable.

No regulated product should be listed until STCNET is reasonably satisfied that
the product can be lawfully listed and sold.

9. PRODUCT LIABILITY, SAFETY AND CONSUMER
PROTECTION

9.1 Consumer Safety

STCNET shall take reasonable steps to ensure that products sold through its
platform are not knowingly unsafe, expired, spurious, counterfeit, misbranded,
materially defective, or non-compliant.

STCNET may investigate safety complaints, product defects, counterfeit
allegations, expired product complaints, contamination concerns, packaging
tampering, and regulatory alerts.

9.2 Product Liability

Where a consumer suffers harm due to a defective product, deficient service,
misleading claim, or unfair trade practice, the consumer may have remedies
under applicable law, including the Consumer Protection Act, 2019.

STCNET shall handle product and service complaints in accordance with
applicable law, this Policy, the Grievance Redressal & Consumer Complaints
Policy, and the Returns, Refunds & Cancellation Policy.

9.3 Direct Selling Grievance Responsibility

Where applicable under direct selling law, STCNET shall remain responsible for
addressing consumer grievances arising from the sale of goods or services
through its direct selling / referral commerce structure.

Nothing in this clause prevents STCNET from seeking indemnity, recovery,
replacement, or action against a vendor, supplier, service partner, Promoter /
Referrer, or any other responsible party where legally and contractually
permitted.

10. RECALL, WITHDRAWAL AND DELISTING

10.1 Recall / Withdrawal Triggers

STCNET may recall, withdraw, delist, suspend, block, or restrict a product or
service where:

• safety concerns arise;
• regulatory non-compliance is identified;
• product defect is discovered;
• product is expired, spurious, counterfeit, misbranded, or unsafe;
• product documentation is missing, expired, false, or unverifiable;
• competent authority issues direction;
• supplier/vendor compliance fails;
• consumer complaints indicate a systemic issue;
• product is linked to fraud, illegal sourcing, or misleading claims;
• STCNET determines that continued listing creates legal, regulatory,
  consumer-safety, or reputational risk.

10.2 Consumer Communication

Where required and reasonably practicable, affected consumers may be
informed of recall, withdrawal, suspension, or safety action.

Communication may include:

• affected product details;
• batch/lot/serial number, where applicable;
• reason for recall or withdrawal;
• consumer action required;
• refund, return, replacement, or disposal instructions;
• contact channel for support.

10.3 Commission Reversal

Commission linked to recalled, withdrawn, cancelled, refunded, returned,
fraudulent, non-compliant, or ineligible products may be reversed, withheld,
adjusted, or recovered in accordance with the Compensation Structure &
Commission Disclosure Policy.

11. SERVICE REGULATORY DISCLOSURES

Where services are listed or facilitated by STCNET, the relevant service page or
booking flow may disclose:

• service description;
• scope of work;
• inclusions and exclusions;
• price and taxes;
• additional charges;
• cancellation terms;
• service timing;
• service partner details where required;
• warranty, re-performance, or correction terms, where applicable;
• refund or re-performance rights under the Returns, Refunds & Cancellation
  Policy, where applicable;
• safety instructions;
• grievance channel;
• consumer responsibilities.

STCNET may refuse, cancel, suspend, or restrict a service booking where the
service is unlawful, unsafe, unavailable, outside service area, misused, or subject
to regulatory/operational restriction.

12. RECORDS AND AUDIT

12.1 Record Maintenance

STCNET shall maintain records of:

• product compliance documents;
• vendor/supplier/service partner documents;
• FSSAI licence/registration records, where applicable;
• BIS/CRS records, where applicable;
• Drugs/Cosmetics/Medical Devices compliance documents, where
  applicable;
• Legal Metrology declarations and product label records;
• GST/tax invoices and HSN/SAC records;
• trademark/brand/distributor authorisations, where applicable;
• purchase invoices and lawful sourcing records;
• Product Compliance Verification Process records;
• Product Authorisation & Commission Eligibility Register;
• product listing approvals;
• product claims and marketing approvals;
• warranty/guarantee records;
• consumer complaints relating to quality, defect, safety, expiry, spurious
  goods, or deficient service;
• recall, withdrawal, suspension, and delisting records;
• regulatory communications;
• commission eligibility and reversal records where applicable.

12.2 Retention Period

Records shall be retained for the period required under applicable law, tax law,
GST law, accounting rules, regulatory requirement, audit need, litigation
requirement, consumer complaint requirement, product liability requirement, or
Company policy.

Where commercially and legally appropriate, STCNET may retain product,
service, vendor, compliance, complaint, regulatory, and commission-eligibility
records for up to 8 years for audit, legal, regulatory, tax, accounting, consumer-
protection, and compliance purposes.

12.3 Audit Readiness

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

• internal audit;
• vendor review;
• regulatory inspection;
• consumer complaint handling;
• product liability defence;
• recall management;
• tax and GST compliance;
• Legal Metrology compliance;
• FSSAI compliance;
• BIS/CRS compliance;
• Drugs/Cosmetics/Medical Devices compliance;
• direct selling compliance;
• commission eligibility and reversal audit;
• legal proceedings, where required.

13. RELATED POLICIES

This Policy 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. Cookie & Tracking Consent Policy

12. No Income Guarantee Disclaimer

13. Compliance Index & Statutory Mapping

14. POLICY UPDATES

This Policy may be amended, revised, or updated from time to time to reflect
changes in applicable law, regulatory requirements, product categories, service
categories, listing standards, vendor requirements, recall processes, direct-selling
commission eligibility requirements, internal compliance controls, or business
operations.

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

End of Policy #11 – Product / Service Regulatory Disclosures