Terms And Conditions
Keble Limited (“Keble”) is registered with the Corporate Affairs Commissions as a Nigerian Entity and Registered in Delaware as a United States Entity as “Keble Inc”. We are registered as a Cooperative Multipurpose Society Limited registered under the Cooperative Law of Lagos State. Keble is also Certified by the Special Control Unit Against Money Laundering (SCMUL) with the provisions of section 5 (1) (a) and (4) of the Money Laundering (Prohibition) Act 2011. Keble provides an automated fractional Real estate investment platform available online and through mobile applications.
Effective Date
This agreement will be effective on your acceptance of its terms electronically or otherwise through the platform.
Purpose
We offer automated investment services across several real estate Assets across Africa. As our client, we will manage your investment on your behalf in a very low cost manner to maximize your returns (the “Services”), Keble may provide certain other services that may be selected by the Client and as may be agreed by both parties. This Terms of use sets out the terms and conditions under which Keble will provide the Services to its Clients. our website and mobile applications, you enter into a series of legally binding agreements. You also agree to our Privacy Policy which covers how we collect, use, share and store your personal information.
Agreement
When you access our website at www.Keble.co and/or our mobile applications (our website (which includes our blog), our app ) as a User and Client, you're agreeing to be bound by the following Terms of Use. Please therefore take the time to read the following binding Terms of Use below. For the purpose of this agreement a User is an individual who uses our website or mobile application to evaluate our service, or for educational purposes and a Client is an individual who signs up on Keble that entitles the Client to have her or his investment portfolio managed by Keble. This Agreement, as well as the Privacy Policy applies to both Users and Clients. If you elect to become a Client, you will be subject to these Terms of Use, our Client Agreement, our Privacy Policy and any additional terms to which you agree when you create and fund an investment plan. This Agreement may be amended from time to time without you prior notice or consent, the amended agreement will be available on our platform.
Obligations
You must be 18 or older to access our website or mobile applications.
Eligibility
Keble is intended solely for individuals who are 18 or older. Any access to or use of Keble by anyone under 18 is unauthorized, unlicensed, and in violation of these Terms of Use. By accessing or using Keble, you represent and warrant that you are 18 or older.Your Access
In order to access certain features of Keble, you must register to create an account ("User Account"). When you register, you will be asked to choose a password, which you will be required to use to access your User Account. Keble has physical, electronic and procedural safeguards that comply with regulatory standards to guard Users and Clients non-public personal information (see Privacy Policy). You are responsible for safeguarding your password and other User Account information. You agree not to disclose your password to any third party and you will notify Keble immediately if your password is lost or stolen or if you suspect any unauthorized use of your User Account. As a User you agree that you shall be solely responsible for any activities or actions under your User Account, whether or not you have authorized such activities or actions. You agree that the information you provide to us on account registration through our website or mobile applications will be true, accurate, current, and complete.
Alerts, Notifications and Service Communications
By creating a User Account, you automatically sign up for various types of alerts via e-mail and mobile notification. We never include your password in these communications, but we may include your name, or email address and information about your portfolio(s) if you are a Client. Anyone with access to your e-mail or mobile device will be able to view these alerts. You may unsubscribe from marketing oriented emails at any time.
Confidentiality
All information and documents obtained by Keble or its employees, consultants or agents which are not published or otherwise publicly available shall be kept confidential and not disclosed to third parties or the public. This restriction shall not apply to any information disclosed to legal advisers, or to a third party to the extent that this is required, by any court of competent jurisdiction, or by a governmental or regulatory authority in Nigeria. This covenant shall survive termination of this Agreement. You hereby acknowledge receipt of and consents to Keble’s privacy policy.
Keble Services
You acknowledge that: Keble will deliver the Services exclusively through an online platform and/or mobile application (collectively, including any updates and replacement or supplement to them, the “Electronic Platform”); Keble may provide Services in person, over the phone, or through any other medium, other than through the Electronic Platform; you may contact Keble by email during its business hours regarding technical questions about the Electronic Platform or Keble’s services. As part of the User Account opening process, you will be required to complete a questionnaire (the “Questionnaire”) that will provide us with certain information regarding your financial situation, including but not limited to information regarding your financial situation, goals, objectives and risk tolerance. Keble’s algorithmic-based technology will analyze your responses to the Questionnaire to recommend offerings that are suitable based on your target risk profile, your financial objectives and other information. You have the option to override Keble’s recommendation and choose a different strategy offered by Keble. You may update your risk profile at any time by updating the responses to the Questionnaire. At a minimum, you will be prompted to review and/or update the responses to the Questionnaire on an annual basis. It is your responsibility to update your information in the Questionnaire if your situation changes. You are solely responsible for evaluating the merits and risks associated with any investments and the recommendations made by Keble You acknowledge that Keble does not provide: comprehensive financial planning services, and its Services are not a complete investment program; tax, accounting or legal advice; You are encouraged to consider additional asset classes, strategies and investments to supplement your overall plan; and to consult with your tax advisor regarding any tax consequences related to your account.
Advisory Fee
The management fee for each investment is based on the Profit from each fixed income Project and Return from each Rental Yield. The annual management fee will be accrued daily and collected monthly or if a Client terminates his or her account before a month-end the management fee will be pro-rated. Management fees will also be pro-rated based on additions or withdrawals to the User Account during the applicable billing period. If a Client requests a withdrawal that will result in insufficient assets to pay any fees that are due at the time of the withdrawal, fees will be collected at the time of the withdrawal.
Other Fees
You hereby acknowledge that you may incur certain other charges imposed by third-party financial institutions. These additional costs may include, and are not limited to bank transfer fees, transfer taxes etc. You understand that these fees are not included in the fee that you pay to Keble
Fee Payment
By signing this Agreement, you authorize Keble to deduct any fees applicable to your User Account directly from your User Account (the “Account Fees”). Payment of fees generally will be made first from Account assets in cash, next from the liquidation of cash equivalents, and finally from liquidation of Assets held in your Account. Until you terminate your Account, you will be deemed to reaffirm continuously your agreement that Keble may deduct the Account Fees from your Account.
For a User who is not a Client
You understand and acknowledge that the investment results you could obtain from investment information and financial insights provided by Keble cannot be guaranteed and that Keble cannot be held responsible. All investments entail a risk of loss and that you may lose money. Your election to engage our investment services are subject to your explicit enrollment and acceptance of this Terms of Use. You agree and understand that your use of Keble is for educational purposes only and is not intended to provide legal, tax or financial planning advice. You agree as a User that you are responsible for your own investment research and investment decisions, that Keble is only one of many tools you may use as part of a comprehensive investment education process, that you should not and will not rely on Keble as the primary basis of your investment decisions and, except as otherwise provided for herein, Keble will not be liable for decisions/actions you take or authorize third parties to take on your behalf based on information you receive as a User of Keble or information you otherwise see on our website.
Non- Exclusive Services
You understand and agree that we provide the Services for other Clients. You further understand that we and our affiliates may take investment action on behalf of such other Clients, that differ from investment action taken on behalf of your account
Investment Risks
You recognize that there may be loss or depreciation of the value of any investment and the assets due to the fluctuation of market values, and accordingly the value of your Account will change and may decrease. You represent that we have not made any guarantee, either oral or written, that your investment objective will be achieved or that the value of any Account assets will not decline. Nothing in this Agreement may be interpreted to limit or modify our fiduciary duties to you and nothing in this Agreement shall be deemed a waiver of any right or remedy that you may have under the applicable laws.
Disclaimer Warranties
Your use of Keble's website, and the personal information you provide is at your sole discretion. Keble's website and all materials, information, products and services included therein, are provided on an AS IS and AS AVAILABLE basis without warranties of any kind from Keble EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, RELATING TO KEBLE'S WEBSITE, CONTENT AND/OR USER INFORMATION, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF PROPRIETARY RIGHTS, COURSE OF DEALING OR COURSE OF PERFORMANCE. KEBLE DISCLAIMS ANY WARRANTIES, EXPRESS OR IMPLIED
Indemnity
You hereby undertake to defend, indemnify and hold harmless Keble, their directors, officers, employees, agents, successors or assigns from and against any and all claims, losses, damages, liabilities, costs and expenses (including but not limited to reasonable legal fees) while acting in accordance with the terms of this Agreement and that are not a direct result of a breach of the terms herein state, bad faith, negligence, and material violation of applicable laws.Keble shall not be liable for any loss affecting the assets held by it on behalf of the Client, where such losses are the result of unforeseen adverse market conditions, government restrictions, exchange or market rulings. Keble shall not be liable for any act or failure to act by any third party.
Limitation of Liability
IN NO EVENT SHALL Keble OR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF Keble, CONTENT AND/OR USER INFORMATION, INCLUDING BUT NOT LIMITED TO THE QUALITY, ACCURACY, OR UTILITY OF THE INFORMATION PROVIDED AS PART OF OR THROUGH KEBLE OR FOR ANY INVESTMENT DECISIONS MADE ON THE BASIS OF SUCH INFORMATION, WHETHER THE DAMAGES ARE FORESEEABLE AND WHETHER OR NOT KEBLE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION AND IN NO EVENT SHALL KEBLE'S CUMULATIVE LIABILITY TO YOU EXCEED ₦10,000.
Keble is a duly registered company of the Corporate Affairs Commission, Nigeria (RC:1655737) and State of Delaware, United States. Keble offers Real Estate investment opportunities for a fraction of its cost in developed markets like the United Kingdom and United States of America. Members of the platform get to earn stable returns in USD and achieve their financial goals faster.
For Safety Investments and Accountability:
We have a professional engagement through a trusteeship agreement with Meristem Trustees Limited, who oversees activities on behalf of members of Progressive Keble (Mainland) Cooperative Multipurpose Society Ltd.
We also have obtained a SCMUL License To remain in compliance with the provisions of the Money Laundering (Prohibition) Act, 2004.
By using the Platform, you accept our Terms of Service and Privacy Policy. Past performance is no guarantee of future results. Any historical returns, expected returns, or probability projections might not reflect actual future performance.
All securities involve risk and may result in partial or total loss. While the data we use from third parties is believed to be reliable, we cannot ensure the accuracy or completeness of data provided by investors or other third parties.
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