MASTER TERMS OF SERVICE

Effective Date: August 22, 2026

These Master Terms of Service (“Terms”) govern every engagement between NavRitu Digital, operating under the brand Web to Wealth (“NavRitu Digital,” “we,” “us,” or “our”), and any client, company, or individual (“Client,” “you”) that purchases or engages our services. These Terms apply together with any project-specific proposal, quote, statement of work, or invoice (each, an “Order” or “SOW”). By signing an Order, paying an invoice, or instructing us to begin work, you agree to be bound by these Terms.

Order of precedence: If a signed SOW or proposal conflicts with these Terms on a specific point (e.g., payment split, revision count, or timeline), the signed SOW controls for that engagement. Otherwise, these Terms govern.

1. Services

NavRitu Digital provides the categories of services below, and any others agreed in writing. A specific engagement's exact scope, deliverables, and timeline are defined in the applicable Order/SOW — these Terms apply across all of them.

Category	Representative Services
Development	Web, Mobile & 3D Web Development; Shopify & E-Com Store Development; Custom Web Applications & Software; Application Engineering
Cyber Security	Transactional Security; Military-Grade Encryption; Enterprise-Grade Data Protection; Fraud Prevention & Authentication
Design & Visuals	Web/UI-UX/Mobile/Graphic Design; Brand Strategy & Identity; Design Prototyping; Next-Gen Visuals
Ads & Marketing	Meta, Google & Apple Ads Management; Performance Marketing; SEO & Generative Engine Optimization; Conversion Rate Optimization; Analytics; Pixel Retargeting
Production & Media	Audio Production; Spoken Word Content; Next-Gen Media Solutions
Research & Discovery	UX Audits; Product Discovery; Technical Workshops; System Architecture Audits
Artificial Intelligence	AI/AI Agent Development; AI Automation; LLM Development; Custom AI Models; Dataset Engineering; AI Research & Theorems; AGI Strategy, Research & Forecasting
Cloud & Infrastructure	Security Patching; Technical Support; Server Monitoring; Cloud Maintenance
Influencer Marketing	B2B Influencer Strategy; Collaborative Content Creation; KOL & Thought Leader Activation; Influencer Network Coordination; Campaign Execution & ROI Tracking

AI & AGI-related services: Services listed under Artificial Intelligence — including AI Research & Theorems and AGI Strategy & Forecasting — are exploratory, advisory, and research-oriented in nature. We do not guarantee specific technical outcomes, forecasts, or performance from AI/AGI research, strategy, or automation work, given the experimental and rapidly evolving nature of this field.

2. Client Responsibilities

To deliver services on schedule, we rely on the Client to:

• Provide timely feedback, approvals, content, brand assets, credentials, and platform access as reasonably requested
• Designate a single point of contact authorized to approve deliverables and change requests
• Ensure any third-party accounts we're granted access to (hosting, ad platforms, payment gateways, domains) are in good standing
• Comply with the terms of use of any third-party platform involved in the engagement (e.g., Meta, Google, Apple, Shopify, Razorpay, Stripe)

Delays caused by the Client's failure to provide the above may extend timelines and, where they cause us additional cost, may be billed separately.

3. Fees & Payment Terms

Unless the signed Order/SOW specifies different terms, project-based engagements follow this default structure:

Stage	Default Split (unless the signed proposal/SOW states otherwise)
Upfront / Booking	40% of total project fee, payable before work begins
On Completion of Development/Core Work	40% of total project fee, payable on completion of the agreed scope
Before Final Delivery / Handover	20% of total project fee, payable before final files, credentials, or access are handed over
Retainer / Ongoing Services	Monthly, in advance, for services such as Cyber Security maintenance, Cloud & Infrastructure, Ads & Marketing management, and Influencer campaign coordination

Late payment: Invoices not paid by their due date accrue a late fee of 0.1666% per day (approximately 5% over 30 days) on the outstanding amount, calculated daily from the due date until paid in full. We may pause work on any active engagement while payment is overdue.

Taxes: All fees are exclusive of applicable taxes (e.g., GST), which will be added to invoices where required by law.

Third-party costs: Ad spend, licensing fees, premium plugins/themes, stock assets, or other third-party costs are billed separately from our service fees unless explicitly included in the Order.

4. Refunds & Cancellations

Because our services involve time, labor, and third-party costs committed from the point work begins, refunds are considered on a case-by-case basis at NavRitu Digital's discretion, taking into account work already completed, third-party costs incurred, and the stage of the engagement. Amounts paid for work already delivered or in progress are generally non-refundable.

For ongoing/retainer services (Cyber Security, Cloud & Infrastructure, Ads & Marketing management, Influencer coordination, and similar), either party may terminate the arrangement with 60 days' prior written notice. Fees for the notice period remain payable. We may terminate immediately, without notice, for non-payment, breach of these Terms, or unlawful use of our services.

5. Revisions

Every project-based contract includes 2 rounds of free revisions on the agreed deliverables within the scope of the original brief. Additional revisions, or changes that expand the original scope, will be quoted and billed separately. Where a signed SOW specifies a different revision allowance, that allowance applies instead.

6. Warranty & Post-Delivery Support

For a period of 90 days following delivery, we will fix, at no additional charge, bugs or defects in work that was developed under our contract and within the original agreed scope. This warranty does not cover:

• Issues arising from changes, integrations, or code made by the Client or a third party after delivery
• New features, scope expansions, or issues outside the original contracted work
• Issues caused by third-party platforms, hosting providers, or plugins outside our control

Support requests outside this window, or outside the original scope, are chargeable separately at our then-current rates.

7. Intellectual Property

Ownership transfer: Ownership of custom deliverables created specifically for the Client (code, designs, content, and similar work product) transfers to the Client only upon receipt of full and final payment for the applicable engagement. Until full payment is received, all work product remains the exclusive property of NavRitu Digital, and any use by the Client is at NavRitu Digital's discretion.

Pre-existing & background IP: We retain ownership of any pre-existing tools, frameworks, libraries, templates, internal know-how, and reusable components used to deliver the services, and grant the Client a non-exclusive license to use these solely as embedded in the delivered work.

Third-party & licensed material: Stock assets, fonts, plugins, and other third-party licensed components remain subject to their own license terms and are not owned by either party.

Portfolio rights: Unless the Client requests confidentiality in writing, we may showcase completed work (excluding confidential or sensitive material) in our portfolio, case studies, and marketing.

8. Confidentiality

Each party agrees to keep confidential any non-public business, technical, or financial information disclosed by the other party in connection with an engagement, and to use it only for the purposes of that engagement. This obligation survives termination of any engagement and continues for as long as the information remains confidential. It does not apply to information that is or becomes publicly available through no fault of the receiving party, or that must be disclosed by law.

9. Data Protection

Personal information collected or processed in the course of an engagement is handled in accordance with our Global Privacy Policy. Where we process personal data on the Client's behalf (e.g., running ad campaigns or managing analytics for the Client's audience), the Client is responsible for ensuring it has a lawful basis to share that data with us and for its own compliance obligations toward its end users.

10. Cyber Security & Cloud Services — Additional Terms

While we apply industry-standard practices (encryption, monitoring, access controls, and hardening) in delivering Cyber Security and Cloud & Infrastructure services, no system or service can be guaranteed to be completely secure or free of downtime. We do not warrant that our security services will detect or prevent every possible threat, and the Client remains responsible for maintaining its own backups, credentials hygiene, and internal security practices unless a specific SOW states otherwise.

11. Marketing, Ads & SEO — Additional Terms

For Ads & Marketing, SEO, Generative Engine Optimization, and Influencer Marketing services, results such as search rankings, traffic, leads, conversions, engagement, or return on ad spend are influenced by third-party platforms (e.g., Google, Meta, Apple), market conditions, competitor activity, and factors outside our control. We do not guarantee specific rankings, traffic volumes, conversion rates, or ROI, and any projections we provide are estimates only, not commitments.

12. Independent Contractor Relationship

NavRitu Digital is an independent contractor. Nothing in these Terms creates an employment, partnership, joint venture, or agency relationship between the parties. We may use employees, contractors, or subcontractors to deliver services, and remain responsible for the quality of their work.

13. Limitation of Liability

To the maximum extent permitted by law, NavRitu Digital's total aggregate liability arising out of or relating to an engagement — whether in contract, tort, or otherwise — shall not exceed the total fees paid or payable by the Client under the applicable contract or project. NavRitu Digital shall not be liable for indirect, incidental, special, or consequential damages, including loss of profits, revenue, data, or business opportunity, even if advised of the possibility of such damages.

14. Indemnification

The Client agrees to indemnify and hold NavRitu Digital harmless from claims arising out of the Client's content, instructions, third-party accounts, or unlawful use of the delivered services, except to the extent caused by our own breach of these Terms or negligence.

15. Force Majeure

Neither party is liable for delays or failures in performance caused by events beyond its reasonable control, including natural disasters, internet or power outages, government action, labor disputes, or third-party platform outages.

16. Term & Termination

These Terms remain in effect for as long as any Order/SOW is active between the parties. Either party may terminate an engagement as described in Section 4. Sections relating to Payment, Intellectual Property, Confidentiality, Limitation of Liability, Indemnification, and Dispute Resolution survive termination.

17. Dispute Resolution

Step 1 — Mediation: In the event of a dispute arising out of or relating to these Terms or any engagement, the parties will first attempt to resolve it in good faith through mediation.

Step 2 — Arbitration: If mediation does not resolve the dispute within a reasonable time, it shall be referred to and finally resolved by arbitration under the Arbitration and Conciliation Act, 1996, seated in Patna, Bihar, India, before a sole arbitrator, conducted in English. The arbitral award shall be final and binding on both parties.

18. Governing Law

These Terms are governed by the laws of India. Subject to the mediation and arbitration process in Section 17, the courts at Patna, Bihar, India shall have exclusive jurisdiction over any matter not resolved through that process.

19. General Provisions

• Entire Agreement — These Terms, together with the applicable Order/SOW, constitute the entire agreement between the parties for that engagement.
• Amendment — We may update these Terms from time to time; material changes will be posted at this URL with an updated Effective Date and will apply to new engagements going forward.
• Assignment — The Client may not assign an engagement without our written consent. We may assign our rights and obligations in connection with a merger, acquisition, or sale of assets.
• Severability — If any provision is found unenforceable, the remaining provisions continue in full force.
• Notices — Legal notices under these Terms should be sent to legal@navritu.digital.

20. Contact Us

For questions about these Terms or an active engagement, contact us at:

Email: legal@navritu.digital