Disclaimer

1. General Notice

This Disclaimer applies to all information, content, and materials published on the website at salaaminvestments.com (the "Website") by Salaam Investment Bank Kenya Limited ("SIBK", "we", "us", "our"), a company incorporated in Kenya and licensed by the Capital Markets Authority of Kenya under Licence No. 115.

By accessing and using this Website, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer in its entirety. If you do not agree with any part of this Disclaimer, you should not use this Website.

This Disclaimer should be read together with our Privacy Notice, Terms & Conditions, and Cookie Policy.

2. Not Investment Advice

The content published on this Website — including all articles, research notes, market commentary, service descriptions, and any other materials — is provided for general informational and educational purposes only. It does not constitute:

• Investment advice or a personal recommendation
• An offer or solicitation to buy, sell, or subscribe for any financial instrument or investment product
• Legal, tax, accounting, or regulatory advice
• A basis for making any investment decision

You should not rely on any information on this Website as the basis for making any investment or financial decision. Before making any investment, you should seek independent advice from a suitably qualified financial adviser who has taken into account your individual circumstances, investment objectives, financial situation, and risk tolerance.

SIBK accepts no responsibility or liability for any investment decisions made on the basis of information contained on this Website.

3. Investment Risk

All investments involve risk. The value of investments, and any income derived from them, can fall as well as rise. You may not get back the full amount you invest. Specific risks that may affect the value of investments include, but are not limited to:

• Market risk: the value of securities and other financial instruments fluctuates with market conditions
• Liquidity risk: some investments may be difficult to sell at a price close to their market value, or at all
• Credit risk: the risk that an issuer or counterparty fails to meet its financial obligations
• Currency risk: for investments denominated in a currency other than your home currency, changes in exchange rates can affect the value of your investment
• Inflation risk: the purchasing power of investment returns may be eroded by inflation over time
• Concentration risk: portfolios concentrated in a small number of securities or sectors may be more volatile than diversified portfolios

SIBK does not guarantee the return of capital invested, nor does it guarantee any particular level of performance or income from any investment product or service.

4. Past Performance

Past performance is not a reliable indicator of future results. Any reference to historical performance on this Website — whether of specific instruments, portfolios, indices, or market sectors — is provided for illustrative purposes only and should not be construed as a guarantee or prediction of future performance.

Performance figures may be shown before or after fees and charges; where relevant, SIBK will indicate which basis applies. Fee and charge deductions will reduce the returns shown. The period of assessment, methodology, and base currency of any performance data will affect the figures presented.

5. Regulatory Status

Salaam Investment Bank Kenya Limited is licensed and regulated by the Capital Markets Authority of Kenya (CMA) under Licence No. 115 (re-issued 24 January 2020) to operate as an investment bank under the Capital Markets Act, Cap. 485A, Laws of Kenya.

Our CMA licence authorises us to provide regulated investment banking services in Kenya. The services and information on this Website are directed exclusively at persons located in Kenya and in jurisdictions where such services may lawfully be offered. They are not directed at, and should not be relied upon by, persons in any jurisdiction where accessing this information would be unlawful.

SIBK is not authorised or regulated in any jurisdiction outside Kenya by virtue of its Kenyan CMA licence. Persons located outside Kenya who access this Website do so at their own risk and must satisfy themselves that accessing this Website and any reliance on the information it contains complies with applicable local laws and regulations.

6. Shariah Compliance

SIBK offers Shariah-compliant investment products and services certified by an independent Shariah Compliance Officer. However, please note the following:

• Shariah compliance certification applies to the specific products and services so designated, and not to all content or information on this Website
• The Shariah compliance of any specific product or transaction is assessed at the time of certification; market or structural changes may affect compliance status, which is subject to ongoing monitoring
• General information about Islamic finance structures on this Website is provided for educational purposes only and does not constitute a fatwa or authoritative religious ruling
• Clients with specific Shariah compliance requirements should discuss their requirements directly with SIBK's advisory team before making any investment

For detailed information on SIBK's Shariah compliance framework, please refer to our Shariah Compliance page.

7. Website Content & Accuracy

While SIBK takes reasonable steps to ensure that the information on this Website is accurate and up to date, we make no warranty or representation, express or implied, as to the accuracy, completeness, timeliness, or fitness for a particular purpose of any content on this Website.

Market data, prices, rates, and other financial information on this Website are provided for reference only and may not reflect current market conditions. Such information should be verified independently before reliance.

SIBK reserves the right to change, update, suspend, or remove any content on this Website at any time and without notice. SIBK accepts no liability for any loss or damage arising from reliance on information on this Website that is inaccurate, incomplete, or out of date.

All intellectual property rights in the content of this Website, including text, graphics, logos, and design, are owned by or licensed to SIBK. Content may not be reproduced, distributed, or transmitted without SIBK's prior written consent.

8. Third-Party Links

This Website may contain links to third-party websites and resources. These links are provided for your convenience only. SIBK has no control over the content of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them.

The inclusion of a link to a third-party website does not imply any endorsement, approval, or sponsorship of that site or its content by SIBK. You access third-party websites entirely at your own risk.

9. Governing Law & Jurisdiction

This Disclaimer and any dispute arising out of or in connection with it shall be governed by and construed in accordance with the laws of Kenya. Any disputes shall be subject to the exclusive jurisdiction of the Kenyan courts.

10. Contact

If you have any questions about this Disclaimer or wish to obtain further information about SIBK's regulated services, please contact us:

Related documents: Privacy Notice  ·  Terms & Conditions  ·  Cookie Policy  ·  Regulatory & Compliance