TERMS AND CONDITIONS - Salaam Investment Bank

Website Terms & Conditions — Salaam Investment Bank

Section 1

Website Terms & Conditions

These Terms govern your access to and use of the Salaam Investment Bank Kenya Limited website. By accessing or using this website, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

Important Notice — Please Read Carefully

By accessing or using this website, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use this website. These Terms and Conditions contain important limitations on liability, investment risk disclaimers, and regulatory notices required by the Capital Markets Authority of Kenya.

Section 2

Definitions

The following defined terms apply throughout these Terms and Conditions.

CMA

Capital Markets Authority

The Capital Markets Authority of Kenya — the statutory body responsible for regulating and supervising the capital markets in Kenya under the Capital Markets Act.

Content

Website Content

All text, graphics, images, data, information, research, market commentary, documents, tools, software, and other materials published on or made available through the Website.

Services

Investment Services

The investment banking, fund management, and other regulated services offered by SIBK in its capacity as a CMA-licensed entity, as well as information resources, tools, and online portal access features.

Data

Personal Data

Has the meaning ascribed to it under the Data Protection Act, No. 24 of 2019 of Kenya.

SIBK

The Bank

Salaam Investment Bank Kenya Limited — referred to throughout as "SIBK", "we", "us", or "our".

User

You / Your

Any individual or entity that accesses or uses the Website, whether or not they are a client of SIBK.

Section 3

Regulatory Status & Authorisation

3 Regulatory Status and Authorisation

Salaam Investment Bank Kenya Limited is licensed and regulated by the Capital Markets Authority of Kenya. SIBK operates under CMA Licence No. 115. Nothing on this Website constitutes or should be construed as an application for, or the carrying on of, any regulated activity in any jurisdiction in which SIBK is not duly licensed or authorised.

Users accessing this Website from outside Kenya do so on their own initiative and are responsible for compliance with applicable local laws. SIBK is subject to oversight by the CMA, the Financial Reporting Centre (FRC), and, where applicable, any other regulator as may be updated from time to time. Users may verify SIBK's regulatory status directly with the CMA.

Section 4

Nature of Content — Not Investment Advice

4 Nature of Website Content, Not Investment Advice

4.1 — General Information Only

The Content on this Website is provided for general informational purposes only. Nothing on this Website constitutes, or should be construed as:

Financial, investment, tax, legal, or regulatory advice of any kind
An offer, solicitation, or recommendation to buy, sell, or subscribe for any securities, investment products, or financial instruments
A personal recommendation tailored to the financial circumstances, objectives, or risk appetite of any individual User
A guarantee of any investment return, performance, or outcome

Investment decisions should not be made solely on the basis of information contained on this Website. You should seek independent professional advice from a qualified financial adviser, lawyer, or tax adviser before making any investment decision.

4.2 — Market Insights & Research

Any market commentary, research, analysis, or insights published on this Website represent the views of SIBK or third-party contributors at the time of publication. Such content is subject to change without notice, may contain forward-looking statements involving risks and uncertainties, should not be relied upon as the sole basis for any investment decision, and is not intended to predict future market performance.

4.3 — Past Performance

Past performance is not a reliable indicator of future results. The value of investments and any income from them can go down as well as up. You may not get back the full amount you invested. Where investments are denominated in a currency other than your own, exchange rate movements may cause the value of your investment to increase or decrease.

Section 5

Eligibility & Access

This Website is intended for access by eligible persons. SIBK reserves the right to restrict or terminate access at any time, without notice, at its sole discretion.

5 Eligibility and Access

This Website is intended for access by:

Adults aged 18 years and above
Persons who are not prohibited from accessing investment-related content under the laws of their jurisdiction
Persons accessing the Website for lawful purposes only

Access to certain areas of the Website, including any client portal or account services, may be restricted to existing clients of SIBK who have completed the required onboarding, KYC, and account opening process. The Website is not directed at, and should not be used by, persons in any jurisdiction where the publication or availability of the Website or its content would be contrary to applicable law or regulation. SIBK makes no representation that the content of this Website is appropriate or available for use in all jurisdictions.

Section 6

Client Portal & Online Account Access

6 Client Portal and Online Account Access

6.1 — Registration & Security

Access is restricted to authorised SIBK clients who have been issued login credentials. You are responsible for maintaining the confidentiality of your username, password, and any other access credentials. You must notify SIBK immediately if you suspect any unauthorised access to or use of your account. SIBK will never ask you for your password via email, telephone, or any unsolicited communication. You must not share your login credentials with any other person.

6.2 — Security of Online Transactions

While SIBK implements industry-standard security measures to protect the client portal, we cannot guarantee absolute security of information transmitted over the internet. You access the portal at your own risk and are responsible for ensuring your own device security, including maintaining up-to-date antivirus software and secure browser settings.

6.3 — Availability

SIBK does not guarantee uninterrupted or error-free access to the client portal or any other online service. The portal may be taken offline for maintenance, upgrades, or security reasons, with or without notice.

Section 7

Intellectual Property

7 Intellectual Property

7.1 — Ownership

All Content on this Website — including the SIBK name, logo, trademarks, text, graphics, data, research, software, and the overall design and layout — is the exclusive property of Salaam Investment Bank Kenya Limited or its licensors and is protected under the laws of Kenya and applicable intellectual property legislation.

7.2 — Permitted Use

You may access and view the Content for personal, non-commercial informational purposes only. You may print or download individual pages for personal reference, provided you do not modify, reproduce, republish, or redistribute the Content without SIBK's prior written consent; use the Content for any commercial purpose or public display; remove any copyright, trademark, or proprietary notices; or use SIBK's name, logo, or trademarks without prior written authorisation.

7.3 — Third-Party Content

The Website may include content sourced from third parties. Such content remains the intellectual property of the respective third parties. SIBK does not warrant the accuracy or completeness of third-party content and accepts no responsibility for it.

Section 8

Hyperlinks & Third-Party Websites

8 Hyperlinks and Third-Party Websites

The Website may contain links to third-party websites or resources. These links are provided for your convenience only. SIBK has no control over the content, policies, or practices of third-party websites, does not endorse, sponsor, or recommend any third-party website or its content, and accepts no responsibility or liability for any loss or damage arising from your use of any linked third-party website.

You access third-party websites entirely at your own risk and subject to the terms and conditions of those websites. SIBK is not responsible for the availability or accuracy of any external links.

Section 9

Prohibited Use

You agree not to use this Website for any of the following purposes. SIBK reserves the right to report any suspected unlawful activity to the relevant authorities.

Unlawful Activity

Engaging in any unlawful, fraudulent, or deceptive activity, including market manipulation, market abuse, insider dealing, or any activity prohibited under the Capital Markets Act or applicable law.

Harmful Code

Transmitting any unsolicited commercial communications (spam) or harmful code, including viruses, malware, or ransomware that may infect any user's device or impair the Website's functionality.

Unauthorised Access

Attempting to gain unauthorised access to any part of the Website, its servers, or any associated systems or networks, or impersonating SIBK, its staff, or any other person or entity.

Data Scraping

Scraping, harvesting, or extracting data from the Website using automated tools without SIBK's prior written consent, or engaging in any activity that disrupts, damages, or impairs the availability of the Website.

Financial Crime

Using the Website, linked services, or communications with SIBK to facilitate, promote, or engage in money laundering, terrorist financing, proliferation financing, or any other financial crime.

Offensive Content

Posting or transmitting any content that is defamatory, obscene, offensive, or otherwise unlawful, or engaging in any third-party website activity that causes loss or damage to SIBK or its users.

Section 10

Data Protection & Privacy

10 Data Protection and Privacy

10.1 — Privacy Policy

SIBK is committed to protecting your Personal Data. The collection, use, storage, and processing of any Personal Data obtained through this Website is governed by our Privacy Policy, which forms part of these Terms and is available on this Website.

10.2 — Data Protection Act Compliance

SIBK complies with the Data Protection Act, No. 24 of 2019 of Kenya and all regulations made thereunder. SIBK is registered as a Data Controller with the Office of the Data Protection Commissioner (ODPC) as required by law. Your rights as a data subject include the right to access, rectify, erase, restrict processing of, and object to the processing of your Personal Data, subject to applicable legal exceptions. To exercise any of these rights, please contact SIBK's Data Protection Officer at info@salaaminvestments.com.

10.3 — Cookies

This Website uses cookies and similar tracking technologies to enhance your browsing experience, analyse website traffic, and support our marketing activities. By continuing to use the Website, you consent to the use of cookies in accordance with our Cookie Policy. You may withdraw consent or manage preferences at any time through your browser settings or our cookie management tool.

10.4 — Security of Personal Data

SIBK implements appropriate technical and organisational measures to protect Personal Data against unauthorised access, loss, destruction, or alteration. However, no method of transmission over the internet is entirely secure, and SIBK cannot guarantee the absolute security of information transmitted to or from the Website.

Section 11

Disclaimers

11.1

Accuracy of Information

While SIBK takes reasonable care to ensure that the Content is accurate and up to date, we do not warrant that it is complete, accurate, current, or free from errors. SIBK reserves the right to change or update any Content at any time without prior notice.

11.2

Availability

The Website is provided on an "as is" and "as available" basis. SIBK does not warrant that the Website will be uninterrupted, timely, secure, or error-free. Access may be suspended at any time for operational, technical, or regulatory reasons.

11.3

Investment Risk

All investments carry risk. The value of investments and any income derived from them may fall as well as rise. Past performance is not a reliable guide to future performance. SIBK does not guarantee any specific investment return, performance, or outcome.

11.4

Regulatory Disclaimer

The information on this Website has not been approved or reviewed by the CMA or any other regulatory authority unless expressly stated. Where SIBK publishes regulatory disclosures, these are provided for compliance purposes only and do not constitute advice or endorsement.

Section 12

Limitation of Liability

12 Limitation of Liability

To the fullest extent permitted by the laws of Kenya, SIBK, its directors, officers, employees, agents, and affiliates shall not be liable for any:

Direct, indirect, incidental, special, or consequential loss or damage
Loss of profits, revenue, data, goodwill, or business opportunity
Investment losses or losses arising from reliance on the Content of this Website
Loss or damage arising from unauthorised access to your account or personal data despite reasonable security measures
Loss or damage caused by viruses, malware, or other technologically harmful material that may infect your device as a result of using the Website

Nothing in these Terms shall exclude or limit SIBK's liability for: (a) death or personal injury caused by its negligence; (b) fraud or fraudulent misrepresentation; or (c) any liability that cannot be excluded or limited under applicable law.

Section 13

Indemnification

13 Indemnification

You agree to indemnify and hold harmless SIBK, its directors, officers, employees, and agents from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

Your use of, or inability to use, the Website
Your breach of these Terms
Your violation of any applicable law, regulation, or the rights of any third party
Any content you submit, post, or transmit through the Website

Section 14

Anti-Money Laundering & Financial Crime

14 Anti-Money Laundering and Financial Crime

SIBK is committed to full compliance with the Proceeds of Crime and Anti-Money Laundering Act (POCAMLA), Cap. 59B, the Prevention of Terrorism Act, and all applicable AML/CFT regulations and guidelines issued by the Kenyan government and regulators including the CMA and FRC. SIBK maintains a strong AML/CFT/CPF compliance framework and is registered with the FRC as a reporting entity.

Users of this Website must not use the Website, any linked services, or any communications with SIBK to facilitate, promote, or engage in money laundering, terrorist financing, proliferation financing, or any other financial crime. SIBK reserves the right to report any suspicious activity to the CMA, FRC and relevant law enforcement authorities without notice to the user concerned.

Section 15

Governing Law & Jurisdiction

15 Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of Kenya.

You irrevocably agree that the courts of Kenya shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or the use of this Website. Nothing in this clause shall prevent SIBK from seeking urgent injunctive or other equitable relief in any jurisdiction.

Section 16

Amendments to These Terms

16 Amendments to These Terms

SIBK reserves the right to revise these Terms at any time. The revised Terms will be posted on the Website with the date of the last update. It is your responsibility to check these Terms periodically. Your continued use of the Website after any changes are posted will constitute your acceptance of the revised Terms.

Where changes are material, SIBK will endeavour to provide reasonable notice, which may include a notice on the Website homepage or a communication to registered users.

Section 17

Severability & Waiver

17 Severability and Waiver

If any provision of these Terms is found to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, that provision shall be severed from the remaining Terms, which shall continue in full force and effect.

SIBK's failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision unless acknowledged and agreed to by SIBK in writing.

Section 18

Contact Information

For any enquiries regarding these Terms, the Website, or SIBK's services, please contact us using the details below.

Company

Salaam Investment Bank Kenya Limited

Physical Address

Britam Tower, 19th Floor, Hospital Road, Upper Hill, Nairobi, Kenya

Postal Address

P.O. Box 1405-00100, Nairobi, Kenya

info@salaaminvestments.com

Data Protection Officer

info@salaaminvestments.com

Compliance Queries

info@salaaminvestments.com

CMA Registration No.

115

Regulatory Disclosures

Salaam Investment Bank Kenya Limited is licensed by the Capital Markets Authority of Kenya (CMA) under the Capital Markets Act, Cap. 485A. CMA Licence No.: 115.

Investment products and services described on this Website are subject to investment risk, including possible loss of principal. They are not bank deposits and are not guaranteed or insured by the Government of Kenya, the Central Bank of Kenya (CBK), or any government agency.

This Website is not directed at any person in any jurisdiction where the publication or availability of the Website would be contrary to applicable law or regulation. SIBK accepts no responsibility for any person choosing to access this Website from a jurisdiction where the content may be restricted or prohibited.