Mortgage Funder & Lending Partner Terms & Conditions.

These Mortgage Funder & Lending Partner Platform Terms & Conditions (“Terms”) govern access to and use of the Okava platform by banks, mortgage lenders, housing finance institutions, microfinance institutions, fintech lenders, private credit providers, development finance institutions, and other financing partners (“Lender”, “Mortgage Funder”, “Financing Partner”, “you”, or “your”).

By registering, onboarding, receiving buyer applications, accessing borrower information, providing financing products, participating in mortgage 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, verification systems, dashboards, 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 mortgage facilitation platform;
• A transaction coordination platform;
• A property verification platform;
• A buyer engagement platform;
• A construction transparency platform;
• A lead generation and workflow platform.

Okava is not:

• A licensed mortgage lender unless expressly stated otherwise;
• A bank;
• A credit provider;
• A financial adviser;
• A deposit-taking institution;
• A guarantor of borrower repayment.

All lending decisions remain solely the responsibility of the applicable Lender.

To use the platform, the Lender must:

• Be lawfully authorised to provide lending or financing services within the applicable jurisdiction;
• Maintain all required licences, registrations, and regulatory approvals;
• Comply with applicable banking, lending, and consumer protection laws;
• Complete Okava onboarding and compliance procedures.

Okava may request:

• Banking or financial services licences;
• Company registration documents;
• Regulatory approvals;
• Beneficial ownership information;
• Compliance documentation;
• Anti-money laundering policies;
• Credit policies;
• Data protection policies;
• Insurance information;
• Additional verification documentation.

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

The Lender is responsible for:

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

The Lender accepts responsibility for all activity conducted through its account.

Lenders may utilise the platform to:

• Receive mortgage applications;
• Review borrower profiles;
• Access affordability information;
• Monitor property reservations;
• Access construction milestone updates;
• Communicate with Buyers;
• Coordinate with Developers and Legal Partners;
• Manage financing workflows.

All lending decisions remain solely the responsibility of the Lender.

The Lender remains fully responsible for:

• Credit assessments;
• Loan approvals;
• Regulatory compliance;
• Loan documentation;
• Collections;
• Interest rate determinations;
• Risk assessments;
• Funding decisions.

The platform may provide access to:

• Buyer-submitted financial information;
• Identity information;
• Employment information;
• Income data;
• Supporting documentation;
• Property reservation information;
• Construction updates;
• Affordability assessments.

Okava does not guarantee:

• Accuracy;
• Completeness;
• Creditworthiness;
• Repayment ability.

The Lender remains responsible for conducting independent verification and due diligence.

Where applicable, Okava may provide:

• Construction milestone updates;
• Progress images and videos;
• Site reports;
• Project tracking dashboards;
• Inspection information.

Such information is provided for transparency and workflow purposes only.

Okava does not:

• Certify construction quality;
• Guarantee project completion;
• Act as an engineer or quantity surveyor;
• Guarantee milestone accuracy.

Lenders remain responsible for independent project monitoring where required.

Lenders acknowledge that:

• Property reservations are governed by separate Reservation Terms;
• Reservation status may impact financing workflows;
• Transactions may involve Developers, Legal Partners, escrow providers, and Buyers.

Okava acts solely as a coordination and technology platform unless expressly stated otherwise.

10.1 Platform Fees

Lenders may be charged:

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

10.2 Referral Compensation

Okava may receive:

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

in connection with successful financing applications or funded transactions.

Commercial arrangements do not affect the Lender’s independent credit decisions.

The Lender agrees to comply with:

• Banking regulations;
• Consumer lending laws;
• Anti-money laundering laws;
• Anti-corruption laws;
• Data protection laws;
• Sanctions regulations;
• Responsible lending requirements;
• Financial crime regulations.

Okava may conduct:

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

The Lender agrees to cooperate with lawful compliance requests.

The Lender agrees:

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

Okava may process and share Lender information with:

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

Cross-border data transfers may occur.

The Lender agrees not to:

• Misrepresent financing products;
• Engage in unlawful lending practices;
• Misuse borrower 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, systems, workflows, dashboards, branding, software, verification systems, construction tracking systems, and related intellectual property remain the exclusive property of Okava Technologies Limited and/or its licensors.

The Lender 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 borrower defaults;
• Okava shall not be liable for inaccurate borrower information;
• Okava shall not be liable for project failures, title disputes, or construction delays;
• Okava shall not be liable for lending losses or investment losses;
• Okava’s aggregate liability shall not exceed fees directly received from the Lender relating to the relevant service.

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

• Lending decisions;
• Regulatory breaches;
• Consumer complaints;
• Misuse of borrower data;
• Breach of these Terms;
• Fraudulent conduct;
• Financial losses;
• Violations of lending 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 Lender 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 Lender 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 Lender 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.