Risk Disclosure Statement

1. Universal Risk Warning

WinToday Technologies ("WinToday", "Platform") provides technology infrastructure facilitating access to asset-backed daily return plans. We believe complete transparency regarding financial risks is non-negotiable. This Risk Disclosure Statement highlights material risk factors that every prospective investor must evaluate before opening an account or depositing funds.

By initiating an investment on WinToday, you explicitly acknowledge and confirm that you have read, comprehended, and voluntarily accepted all risk dimensions outlined in this statement.

2. Non-Banking & Non-Deposit Status

WinToday is a private technology platform. It is critical to understand what the platform is NOT:

• Not a Bank Deposit: WinToday is not a scheduled commercial bank, payments bank, or cooperative society. Funds placed into WinToday plans do not constitute savings bank accounts, fixed deposits (FD), or recurring deposits (RD).
• No DICGC Insurance: Investments held on WinToday are NOT insured or protected by the Deposit Insurance and Credit Guarantee Corporation (DICGC) or any government-backed deposit guarantee scheme.
• No Statutory Guarantee: The platform and its plans are not guaranteed, underwritten, or insured by the Reserve Bank of India (RBI), the Securities and Exchange Board of India (SEBI), or any Central or State Government entity.

3. Capital Loss & Volatility Risks

Capital allocated to investment plans is deployed into underlying business operations, revenue streams, and asset portfolios:

• Risk of Principal Loss: There is no absolute guarantee that you will recover your initial principal. In the event of catastrophic counterparty insolvency, macroeconomic shocks, or operational failure of underlying assets, you could suffer partial or complete loss of capital.
• No Capital Protection Reserves: While WinToday maintains operational controls and escrow reconciliation pipelines, the platform does not offer statutory capital protection or a guaranteed bailout reserve.

4. Actual Return Calculation Methodology

WinToday operates under an audited, non-compounding daily return model. Investors must understand how earnings are calculated:

• Business Days Only: Daily returns accrue strictly on business days (Monday through Friday, approximately 22 days per calendar month). Returns do not accrue on Saturdays, Sundays, or national banking holidays.
• Calculation Formula: Returns are calculated solely on active, verified principal using the snapshotted plan rate:
  Daily Return (₹) = Active Principal (₹) × Daily Return Rate
• No Automatic Compounding: Returns do not automatically compound into principal unless the investor explicitly redeploys credited returns into a new investment plan.
• Illustrative Calculators: The return calculators and simulation tools available on our website and mobile application are purely mathematical illustrations designed for analytical estimation. They do not constitute forward-looking guarantees or contractual promises of yield.

5. Liquidity & Withdrawal Delays

Liquidity on WinToday is managed systematically and does not guarantee instantaneous liquidation:

• Verification Gatekeeping: Withdrawals can only be initiated by investors who have completed full KYC onboarding (verified PAN, verified Aadhaar via DigiLocker, and a verified Indian bank account in their own legal name).
• Manual & Ledger Auditing: Every withdrawal request undergoes administrative compliance review and liquidity clearing before disbursement.
• Settlement Cycles: While disbursements are typically scheduled within 24 to 72 business hours of operational approval, payouts are subject to banking network clearing windows (RTGS/NEFT batch timings), banking holidays, and operational liquidity schedules. Payout dates are not guaranteed.
• Plan Re-evaluation on Principal Withdrawal: Withdrawing principal reduces active invested capital. If the remaining balance drops below the minimum threshold of the current plan tier, the investment is automatically adjusted to a lower-tier plan with lower future daily accrual rates.

6. Counterparty & Underlying Business Risks

Platform performance is directly dependent on the commercial viability of underlying asset deployments:

• Commercial Default Risk: If third-party commercial partners, borrowers, or asset managers experience cash-flow deficits, delayed collections, or bankruptcy, platform cash flows and return distribution schedules may be adversely impacted.
• Concentration Risk: Unforeseen market contractions in specific industry sectors where underlying assets are deployed could impact broader portfolio yields.

7. Operational & Technical Disruptions

As a technology-driven system, WinToday is exposed to digital infrastructure and operational hazards:

• System Downtime: Scheduled server maintenance, hardware malfunctions, telecommunication carrier failures, or cloud hosting outages may temporarily impede access to accounts or delay transaction processing.
• Banking Pipeline Outages: Disruptions or maintenance on the National Payments Corporation of India (NPCI) UPI rails or partner bank core banking solutions (CBS) can delay deposit reconciliation or payout transfers.
• Third-Party Dependency: Aadhaar verification relies on DigiLocker infrastructure and authorized third-party gateways (Message Central). Service disruptions at external identity providers can delay investor onboarding.

8. Taxation & Regulatory Uncertainties

The regulatory and taxation landscape governing digital financial assets in India is dynamic:

• Tax Liability: Earnings generated through WinToday investment plans may be subject to income tax, Tax Deducted at Source (TDS), or other levies under the Income Tax Act, 1961. The responsibility for accurately declaring returns and remitting taxes rests entirely with the individual investor. WinToday does not provide tax advice.
• Regulatory Changes: Potential future changes in statutory regulations, Reserve Bank of India notifications, or judicial rulings could affect the structure, operations, or availability of certain investment plans.

9. Investor Discretion & Due Diligence

Prior to making any investment decision on WinToday, you must:

1. Carefully assess your own financial standing, debt commitments, and emergency fund requirements.
2. Ensure you are deploying only discretionary surplus capital that you can afford to risk.
3. Consult with a licensed, independent financial advisor, legal professional, and chartered accountant to assess whether this platform aligns with your financial risk tolerance.

10. Contact & Inquiries

If you have questions regarding the risks associated with WinToday investment plans or wish to clarify any technical aspect of our return calculations, contact our compliance team:

• Compliance & Risk Inquiries: support@wintoday.app
• Escrow Desk: Koramangala, Bengaluru, Karnataka, India