Investment & Risk Disclosure

PANDI NOW

Pandi Now Inc. • Incorporated in Delaware, United States

1. Pandi Now Does Not Provide Investment Advice

Pandi Now Inc. is an introduction and transparency platform. Nothing on this platform (including initiative listings, milestone reports, founder profiles, or any communication from Pandi Now) constitutes investment advice, financial advice, legal advice, or tax advice.

Pandi Now does not recommend, endorse, or evaluate any initiative for investment merit. The decision to contribute or invest is yours alone. You should consult qualified independent advisors before making any financial commitment.

2. All Investments Carry Risk, Including Total Loss

Investing in or contributing to early-stage ventures and impact initiatives involves a high degree of risk. You must be prepared for the possibility of losing your entire contribution or investment. Specific risks include:

• Total loss of capital: Early-stage initiatives frequently fail. You may receive nothing in return.
• Illiquidity: There is no secondary market for interests in initiatives listed on Pandi Now. You may not be able to sell or transfer your investment.
• No guaranteed returns: Past performance of any initiative is not indicative of future results. Return projections are speculative and may not be achieved.
• Dilution: If a venture raises additional capital in future rounds, your interest may be diluted.
• Regulatory risk: Changes in law or regulation may adversely affect an initiative's operations or viability.
• Founder risk: The success of early-stage ventures depends heavily on the individuals running them. Key person departure, misconduct, or incapacity can materially harm an initiative.
• Information risk: Information provided by founders on the platform has not been independently audited or verified by Pandi Now. It may be incomplete, inaccurate, or misleading.

3. No Guarantees of Any Kind

Pandi Now makes no guarantee, representation, or warranty regarding:

• The success, viability, or completion of any initiative
• The accuracy or completeness of any information provided by founders
• The achievement of any stated milestone, outcome, or impact goal
• The return of any capital contributed or invested
• The financial condition or legal standing of any founder or initiative

4. Pandi Now Is Not a Broker-Dealer or Investment Advisor

Pandi Now Inc. is not registered as a broker-dealer, investment advisor, funding portal, or securities exchange with the U.S. Securities and Exchange Commission (SEC), FINRA, or any other regulatory authority. Pandi Now does not:

• Execute or facilitate securities transactions
• Hold, transfer, or custody investor funds
• Negotiate investment terms between founders and funders
• Provide analysis of the investment merit of any initiative

If you are considering a securities investment through or in connection with this platform, you should obtain independent legal advice to confirm compliance with applicable securities law in your jurisdiction.

Securities-related activities on the venture track (including any offering, regulatory due diligence, accredited-investor verification, KYC/AML, and transaction execution) are carried out by a regulated third-party compliance and securities partner engaged for that purpose, under that partner's own terms. Pandi Now provides only the technology, transparency, and analytics layer and is not a party to, and does not custody funds for, any securities transaction.

5. Accredited Investor Requirement

Certain venture opportunities on this platform are available only to accredited investors as defined under U.S. securities law (Rule 501 of Regulation D) or equivalent definitions under applicable law in your jurisdiction. An accredited investor generally means an individual with:

• Annual income exceeding $200,000 (or $300,000 jointly with a spouse) in each of the two most recent years, with a reasonable expectation of the same in the current year, OR
• Net worth exceeding $1,000,000 (excluding primary residence), individually or jointly with a spouse, OR
• Certain professional certifications, designations, or credentials as recognized by the SEC

By accessing venture opportunities designated as restricted, you represent that you meet the applicable accredited investor definition. Pandi Now may require documentary evidence of accredited investor status before permitting access to certain opportunities. Self-certification is not a substitute for compliance with applicable securities law.

6. Contributions vs. Investments: Know the Difference

Contributions (Nonprofit / Foundation Initiatives)

Contributions to initiatives operated under the Pandi Now Foundation or other nonprofit structures are charitable in nature. They are not investments. You do not receive equity, financial returns, or any ownership interest in exchange for a contribution. The tax deductibility of your contribution depends on your jurisdiction and personal circumstances - Pandi Now does not provide tax advice and makes no representation about tax deductibility. The Pandi Now Foundation's application for 501(c)(3) recognition is pending, and until the IRS issues a determination letter no contribution should be assumed to be tax-deductible. See the Donation & Contribution Terms for details.

Venture Investments (For-Profit Initiatives)

Capital committed to for-profit ventures carries the expectation of potential financial return. All venture investments require a separate written agreement (a term sheet, subscription agreement, or equivalent) executed directly between you and the founder. Pandi Now is not a party to any such agreement and assumes no responsibility for its terms or execution.

7. Your Responsibility for Due Diligence

You are solely responsible for conducting your own independent due diligence before making any financial commitment. This includes but is not limited to:

• Reviewing all materials provided by the founder critically and verifying key claims
• Assessing the founder's background, experience, and track record
• Understanding the legal structure and terms of any proposed investment
• Consulting independent legal, financial, and tax advisors
• Evaluating whether the investment is appropriate for your personal financial situation

8. No Regulatory Approval

Listing on the Pandi Now platform does not constitute regulatory approval, endorsement, or certification of any initiative by Pandi Now, the SEC, FINRA, or any other authority. Founders are solely responsible for compliance with applicable laws and regulations in all relevant jurisdictions.

9. Forward-Looking Statements

Initiative listings on the platform may contain forward-looking statements: projections, targets, and estimates of future performance. These are inherently speculative and subject to significant uncertainty. Actual results may differ materially from any projections presented. Do not rely on forward-looking statements as the basis for any investment decision.

10. Valuations, Equity, and Financial Figures Are Founder-Provided

Any valuation, implied valuation, equity percentage, ownership stake, capital target, return projection, or similar financial figure shown on an initiative's page is provided by the founder or derived arithmetically from figures the founder supplied (for example, an implied post-money valuation calculated from the capital sought relative to the equity offered). Pandi Now does not independently value any initiative, does not verify these figures, and does not represent that any stated or implied valuation is accurate, fair, or achievable.

Implied valuations are illustrations only. They are not a valuation, appraisal, fairness opinion, recommendation, or offer, and they do not reflect any negotiated price. Actual terms, if any, are set in the separate agreements described above and may differ materially. Do not rely on any displayed or implied figure as the basis for a funding decision.

11. Governing Law

This disclosure is governed by the laws of the State of Delaware, United States. By accessing or using the platform, you confirm that you have read, understood, and agree to this disclosure.