1. Minimum investment: The minimum investment amount for Xarder is INR 5,000.

2. Investment term: The investment term for Xarder is a minimum of 3 months. Investors cannot withdraw their investment before the 3-month period has ended.

3. Withdrawal policy: If an investor chooses to withdraw their investment before the end of the 3-month period, a penalty of 20% of the principal amount will be deducted. The remaining amount will be returned to the investor.

4. Interest payments: Xarder will pay interest to investors on their investments. The interest rate will be communicated at the time of investment.

5. Payment schedule: Interest payments will be made on a quarterly basis. The first interest payment will be made at the end of the first quarter after the investment has been made.

6. Early termination: In the event that Xarder is unable to continue operating, all investments will be terminated. Investors will be notified in advance and will receive their principal amount minus any interest already paid.

7. Risk Disclosure: Investing in Xarder involves risks, including the risk of losing some or all of your investment. Investors should carefully consider their investment goals, risk tolerance, and financial situation before investing.

8. Jurisdiction: These terms and conditions are governed by the laws of India and any disputes will be subject to the jurisdiction of the courts in India.

By investing in Xarder, investors agree to the above terms and conditions.