Terms of Service - Bonesrock Kenya

Scope and Application

These terms of service establish the legal framework governing your relationship with our financial advisory services. They apply to all users, clients, and visitors who access our investment advisory platform, request consultations, or engage with our financial planning services.

By accessing our platform or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these terms. These terms supplement any separate service agreements for specific financial advisory services such as wealth management, SME financial analysis, or agricultural investment advisory.

Our services are designed for individuals, businesses, and organizations seeking professional financial guidance within the Kenyan market. Users must be at least 18 years old or have legal capacity to enter into binding agreements under Kenyan law.

Service Usage and Access Terms

Acceptable Use Policy

Our financial advisory platform must be used solely for legitimate investment planning, wealth management consultation, and financial advisory purposes. Users are expected to provide accurate information during consultations and maintain professional conduct during all interactions.

• Use services only for lawful financial planning and investment purposes
• Provide accurate and complete financial information during consultations
• Respect intellectual property rights of financial analysis and advisory content
• Maintain confidentiality of proprietary investment strategies shared during consultations

User Responsibilities and Obligations

Clients are responsible for making informed investment decisions based on their financial circumstances, risk tolerance, and investment objectives. While we provide professional guidance, final investment decisions remain the sole responsibility of the client.

• Conduct independent research and due diligence on investment recommendations
• Disclose all relevant financial information affecting advisory recommendations
• Notify us promptly of any changes in financial circumstances or objectives
• Comply with all applicable Kenyan securities and investment regulations

Service Availability and Limitations

Our financial advisory services are subject to availability and may be temporarily unavailable due to maintenance, market conditions, or regulatory requirements. Service fees are as specified in individual service descriptions and are subject to change with reasonable notice.

• Services available during standard business hours with emergency consultation options
• Minimum investment amounts apply as specified for each service tier
• Advisory recommendations based on information available at time of consultation
• Regular service reviews scheduled to ensure continued suitability

Account Terms and Conditions

Client accounts require verification of identity and financial status as required by Kenyan anti-money laundering regulations. Account information must be kept current and accurate to ensure appropriate advisory services delivery.

• Valid identification required for account establishment and verification
• Regular account reviews to maintain current financial profile information
• Secure access credentials must be protected and not shared with unauthorized parties
• Account termination requires 30-day written notice with settlement of outstanding obligations

Legal Obligations and Conduct Requirements

User Conduct Requirements

All users must maintain professional and respectful conduct during interactions with our advisory team. Harassment, discriminatory behavior, or abusive conduct toward staff or other clients will result in immediate service termination without refund of fees paid.

Prohibited Activities

The following activities are strictly prohibited when using our services:

• Using advisory services for illegal financial activities or money laundering
• Providing false or misleading financial information during consultations
• Attempting to reverse-engineer proprietary financial analysis methodologies
• Sharing confidential investment strategies with unauthorized third parties
• Using our platform to solicit competing financial advisory services

Content Guidelines and Restrictions

All content shared during consultations must be truthful, accurate, and relevant to financial advisory purposes. Users must not share content that violates intellectual property rights, contains malicious software, or compromises the security of our advisory platform.

Age Restrictions and Legal Capacity

Our financial advisory services are available only to individuals who have reached the age of majority in Kenya (18 years) or have legal capacity to enter into binding financial agreements. Minors require parental or guardian consent for any advisory services.

Service Limitations and Disclaimers

Disclaimer of Warranties

Our financial advisory services are provided on an "as is" basis without warranties of any kind, express or implied. While we strive to provide accurate and timely financial guidance, we cannot guarantee specific investment outcomes or returns on recommended strategies.

Limitation of Liability

Our liability for any losses arising from financial advisory services is limited to the fees paid for the specific service that gave rise to the claim, up to a maximum of KES 1,000,000. We are not liable for consequential, indirect, or punitive damages arising from investment decisions based on our recommendations.

Service Modifications and Updates

We reserve the right to modify, suspend, or discontinue any aspect of our financial advisory services with reasonable notice to clients. Significant changes to service terms will be communicated at least 30 days in advance, allowing clients to terminate services if they disagree with modifications.

Termination Conditions

Either party may terminate advisory services with 30 days written notice. Immediate termination may occur for breach of these terms, non-payment of fees, or violation of regulatory requirements. Upon termination, all confidential information must be returned and advisory relationship obligations cease.

Investment Risk Disclosure

All investments carry inherent risks, including the potential for loss of principal. Past performance does not guarantee future results. Our advisory recommendations are based on available information and professional judgment, but market conditions can change rapidly, affecting investment outcomes. Clients should carefully consider their financial situation and risk tolerance before making investment decisions.

Legal Information and Dispute Resolution

Governing Law and Jurisdiction

These terms of service are governed by the laws of Kenya, including the Capital Markets Act, the Central Bank of Kenya Act, and applicable securities regulations. Any disputes arising from these terms or our advisory services shall be subject to the exclusive jurisdiction of Kenyan courts.

Dispute Resolution Procedures

We are committed to resolving disputes fairly and efficiently through the following escalation process:

• Initial Resolution: Direct discussion with assigned financial advisor within 7 days
• Management Review: Escalation to senior management for review within 14 days
• Mediation: Professional mediation through Kenya Association of Manufacturers if needed
• Legal Action: Court proceedings as final resolution method if mediation fails

Regulatory Compliance

Our financial advisory services operate under the oversight of the Capital Markets Authority of Kenya and comply with all applicable securities regulations. We maintain professional indemnity insurance and adhere to established ethical standards for financial advisory services in Kenya.

Terms Modification Policy

We may update these terms of service periodically to reflect changes in our services, legal requirements, or industry standards. Material changes will be communicated to active clients at least 30 days before taking effect, with the option to terminate services if terms are unacceptable.

Contact for Legal Matters

For legal inquiries, compliance questions, or formal dispute resolution, please contact us through the contact form on our main page. Specify "Legal Matter" in your inquiry to ensure proper routing to our compliance team.

Response Timeline: Legal inquiries acknowledged within 2 business days
Resolution Target: Most issues resolved within 14 business days
Complex Matters: Extended timeline communicated with regular updates
Documentation: All formal communications maintained for compliance records