Non-Disclosure Agreement

1. PURPOSE

The Company may disclose confidential and proprietary information ("Confidential Information") to the Merchant / Partner in connection with discussions, evaluations, and potential business transactions related to Fincobox's products and services, including but not limited to:

• Dynamic Invoice Discounting
• Revenue-Based Liquidity
• Inventory-Based Liquidity
• Earned Salary Access

2. CONFIDENTIAL INFORMATION

• Business strategies, financial data, projections, and investment plans
• Software, technology, APIs, and operational methodologies
• Merchant / Partner, partner, and vendor information
• Market analysis, data analytics, and proprietary algorithms
• Non-public information related to Fincobox’s blockchain-based lending and liquidity operations
• Details of liquidity processes, application procedures, and approval timelines
• Partnership details, including those with warehouses in Mainland and Freezone
• Earned salary access services, including integration methods with payroll systems

3. OBLIGATIONS OF THE MERCHANT / PARTNER

• Maintain confidentiality and not disclose any Confidential Information
• Use the Confidential Information solely for evaluating a potential business relationship
• Implement reasonable security measures to protect Confidential Information
• Notify the Company immediately if any unauthorized disclosure occurs

4. EXCLUSIONS

• Publicly available information at the time of disclosure
• Information obtained from a third party without confidentiality obligations
• Independently developed information without reliance on Confidential Information

5. TERM AND TERMINATION

The confidentiality obligations shall survive for five (5) years from the date of disclosure.

The Company may request the Merchant / Partner to return or destroy Confidential Information upon termination of discussions.

6. LEGAL REMEDIES AND INDEMNIFICATION

The Merchant / Partner acknowledges that any breach of this Agreement may cause irreparable harm to the Company and entitle the Company to seek injunctive relief, damages, and legal costs.

The Merchant / Partner shall indemnify and hold harmless the Company from any losses arising due to misuse or unauthorized disclosure of Confidential Information.

7. GOVERNING LAW AND DISPUTE RESOLUTION

This Agreement shall be governed by the laws of the United Arab Emirates.

Any disputes shall be settled through arbitration at the Dubai International Arbitration Centre (DIAC).