Insurance Provider Platform Terms & Conditions.

These Insurance Provider Platform Terms & Conditions (“Terms”) govern access to and use of the Okava platform by insurance companies, brokers, underwriting agencies, insure-tech firms, reinsurers, intermediaries, and related insurance service providers (“Insurance Provider”, “Insurer”, “Broker”, “you”, or “your”).

By registering, onboarding, receiving customer referrals, offering insurance products, accessing policyholder information, participating in insurance facilitation services, or otherwise using the Okava platform, you agree to be legally bound by these Terms.

If you do not agree to these Terms, you must not use the platform.

Okava is a global property technology and transaction facilitation platform operated through locally licensed operating entities in various jurisdictions.

The Okava platform, software systems, workflows, dashboards, verification systems, construction tracking systems, transaction coordination systems, intellectual property, and related technologies are owned and managed by:

In various jurisdictions, Okava may operate through locally incorporated subsidiaries, affiliates, franchisees, licensed operators, strategic partners, or authorised representatives registered under applicable local laws and regulations.

Such local operating entities operate under a technology and intellectual property licence from Okava Technologies Limited.

References to “Okava”, “we”, “us”, or “our” include Okava Technologies Limited together with any applicable local operating entity responsible for providing services within the relevant jurisdiction.

Okava operates primarily as:

• A property technology platform;
• A transaction facilitation platform;
• A mortgage and insurance facilitation platform;
• A buyer engagement platform;
• A property verification platform;
• A construction transparency platform;
• A workflow coordination platform.

Okava is not:

• A licensed insurer unless expressly stated otherwise;
• An insurance broker;
• An underwriting agency;
• A reinsurer;
• A financial adviser;
• A guarantor of claims or policy performance.

Insurance products and services remain solely the responsibility of the applicable Insurance Provider.

To use the platform, the Insurance Provider must:

• Be lawfully authorised to provide insurance or related services within the relevant jurisdiction;
• Maintain all required licences, registrations, and regulatory approvals;
• Comply with applicable insurance and financial services laws;
• Complete Okava onboarding and compliance procedures.

Okava may request:

• Insurance licences;
• Regulatory approvals;
• Company registration documents;
• Beneficial ownership information;
• Professional indemnity or liability insurance information;
• Compliance documentation;
• Data protection policies;
• Anti-money laundering policies;
• Additional verification documentation.

Okava reserves the right to approve, reject, suspend, or revoke onboarding at its discretion.

The Insurance Provider is responsible for:

• Maintaining accurate account information;
• Managing staff permissions and access controls;
• Securing account credentials;
• Ensuring authorised access to customer information;
• Maintaining confidentiality and security standards.

The Insurance Provider accepts responsibility for all activity conducted through its account.

Insurance Providers may utilise the platform to:

• Offer insurance products;
• Receive customer referrals;
• Access property-related information;
• Review buyer or borrower profiles;
• Coordinate with Buyers, Developers, Lenders, and Legal Partners;
• Provide quotations and policy information;
• Manage underwriting workflows.

All insurance decisions remain solely the responsibility of the Insurance Provider.

The Insurance Provider remains fully responsible for:

• Underwriting decisions;
• Policy issuance;
• Claims handling;
• Regulatory compliance;
• Premium calculations;
• Risk assessments;
• Policy administration;
• Customer advisory obligations.

The platform may provide access to:

• Property information;
• Construction updates;
• Buyer-submitted information;
• Mortgage-related information;
• Supporting documentation;
• Property valuation information;
• Risk-related data.

Okava does not guarantee:

• Accuracy;
• Completeness;
• Insurability;
• Risk quality;
• Construction quality.

The Insurance Provider remains responsible for conducting independent verification and underwriting assessments.

Where applicable, Okava may provide:

• Construction milestone updates;
• Site images and videos;
• Project tracking information;
• Progress notifications;
• Inspection-related information.

Such information is provided for workflow and transparency purposes only.

Okava does not:

• Certify construction quality;
• Guarantee project completion;
• Provide engineering certification;
• Guarantee milestone accuracy.

Insurance Providers remain responsible for independent underwriting assessments and inspections where required.

9.1 Platform Fees

Insurance Providers may be charged:

• Subscription fees;
• Platform access fees;
• Lead generation fees;
• Technology fees;
• Referral fees;
• Workflow management fees;
• Marketing fees.

9.2 Referral Compensation

Okava may receive:

• Referral fees;
• Facilitation fees;
• Technology fees;
• Marketing compensation;
• Commission-based compensation

in connection with:

• Insurance applications;
• Policy issuance;
• Mortgage-linked insurance;
• Property insurance;
• Related insurance products.

Commercial arrangements do not affect the Insurance Provider’s independent underwriting decisions.

The Insurance Provider agrees to comply with:

• Insurance regulations;
• Financial services laws;
• Anti-money laundering laws;
• Consumer protection laws;
• Data protection laws;
• Sanctions regulations;
• Anti-corruption laws;
• Financial crime regulations.

Okava may conduct:

• Compliance screenings;
• Regulatory verifications;
• Beneficial ownership checks;
• Ongoing monitoring.

The Insurance Provider agrees to cooperate with lawful compliance requests.

The Insurance Provider agrees:

• To maintain confidentiality of customer information;
• To process personal data lawfully;
• To implement appropriate data security safeguards;
• Not to misuse customer information.

Okava may process and share Insurance Provider information with:

• Buyers;
• Developers;
• Lenders;
• Legal Partners;
• Regulators;
• Service providers.

Cross-border data transfers may occur.

The Insurance Provider agrees not to:

• Misrepresent insurance products;
• Engage in unlawful insurance practices;
• Misuse customer data;
• Circumvent agreed commercial arrangements;
• Upload malicious software or content;
• Interfere with platform operations.

Okava reserves the right to suspend or terminate access for misconduct or regulatory concerns.

All platform technology, workflows, dashboards, branding, software systems, verification systems, construction tracking systems, and related intellectual property remain the exclusive property of Okava Technologies Limited and/or its licensors.

The Insurance Provider may not:

• Copy;
• Reverse engineer;
• Redistribute;
• Replicate;
• Commercially exploit

the platform or its technologies without written consent.

Okava does not guarantee uninterrupted platform access.

The platform may be unavailable due to:

• Maintenance;
• Cybersecurity incidents;
• Connectivity failures;
• Third-party outages;
• Regulatory interventions;
• Force majeure events.

Features may be modified, suspended, or discontinued at any time.

To the fullest extent permitted by law:

• Okava shall not be liable for underwriting losses;
• Okava shall not be liable for inaccurate customer or property information;
• Okava shall not be liable for project failures, title disputes, or construction delays;
• Okava shall not be liable for insurance claims or coverage disputes;
• Okava’s aggregate liability shall not exceed fees directly received from the Insurance Provider relating to the relevant service.

The Insurance Provider agrees to indemnify and hold harmless Okava, its affiliates, officers, employees, contractors, licensors, and representatives against claims arising from:

• Insurance decisions;
• Regulatory breaches;
• Customer complaints;
• Misuse of customer data;
• Breach of these Terms;
• Fraudulent conduct;
• Financial losses;
• Violations of insurance laws.

Okava shall not be liable for delays or failures caused by events beyond reasonable control including:

• Natural disasters;
• Government actions;
• Civil unrest;
• Utility outages;
• Banking disruptions;
• Cybersecurity incidents;
• Currency instability;
• Internet failures.

Okava may suspend or terminate Insurance Provider access where:

• Regulatory concerns arise;
• Compliance failures occur;
• Fraud is suspected;
• False information is submitted;
• Platform misuse occurs;
• Commercial obligations are breached.

Termination shall not eliminate accrued obligations or liabilities.

These Terms shall be governed by the laws of the applicable jurisdiction in which the relevant operating entity or transaction is based unless otherwise specified.

Cross-border transactions may additionally be subject to other legal and regulatory requirements.

Parties shall first attempt amicable resolution.

Failing resolution:

• Disputes may be referred to mediation;
• Thereafter to arbitration or courts of competent jurisdiction.

Nothing prevents urgent applications for interim relief.

The Insurance Provider agrees that:

• Electronic signatures;
• Tick-box confirmations;
• OTP confirmations;
• Digital acknowledgements;
• Email confirmations

constitute legally binding acceptance of these Terms.

Okava reserves the right to amend these Terms at any time.

Updated Terms may be published on the platform.

Continued platform use constitutes acceptance of revised Terms.

If any provision is found unenforceable, the remaining provisions shall remain valid and enforceable.

By using the Okava platform, the Insurance Provider confirms that they:

• Have read and understood these Terms;
• Understand their legal and regulatory obligations;
• Accept Okava’s role as a technology and transaction facilitation platform;
• Agree to use the platform subject to these Terms.