Terms

Our Terms and Conditions

TERMS OF SERVICE

PLEASE READ THESE TERMS CAREFULLY. BY ACCESSING OR USING THE CAPITAL CONNECT AFRICA PLATFORM, YOU AGREE TO BE BOUND BY THESE TERMS, OUR PRIVACY POLICY, AND ALL APPLICABLE LAWS. IF YOU DO NOT AGREE, YOU MUST NOT USE THE PLATFORM.

1. DEFINITIONS

The following terms shall have the meanings set forth below throughout these Terms of Service:

"Platform" means the Capital Connect Africa website (www.capitalconnect.africa), mobile applications, APIs, Lara AI, and all related services, whether accessed directly or via third-party integrations.

"We," "Us," "Our," "CCA" means Capital Connect Africa.

"You," "User" means any individual or entity accessing, registering on, or using the Platform.

"Content" means all text, images, data, profiles, documents, pitch decks, financial statements, or other materials uploaded, posted, generated, or transmitted through the Platform.

"MSME" means Micro, Small, and Medium Enterprises.

"Investor" means any individual or entity seeking investment opportunities, partnerships, or business acquisitions through the Platform.

"AI Services" means artificial intelligence features powered by third-party providers, including but not limited to Anthropic, PBC ("Anthropic"), used for automated matching, chatbot support (Lara AI), content generation, and fraud detection.

"Personal Data" means any information relating to an identified or identifiable natural person, as defined under the Kenya Data Protection Act, 2019, the African Union Malabo Convention, and other applicable data protection laws.

2. ELIGIBILITY AND ACCOUNT REGISTRATION

2.1 Capacity

You must be at least 18 years old (or the age of majority in your jurisdiction) and have the legal capacity to enter into binding contracts. By using the Platform, you represent and warrant that all information you provide is accurate, complete, and current, and that you have the full legal authority to bind any entity you represent.

2.2 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must immediately notify us of any unauthorized use. CCA is not liable for any loss or damage arising from your failure to secure your account.

2.3 One Business Per Profile

Each profile must represent a single business or franchise. Listing multiple businesses in one profile is strictly prohibited. Once a profile has been activated, material changes that effectively represent a different business are not permitted.

2.4 Verification

We may require identity verification, KYB/KYC checks, or additional documentation at any time. Failure to provide requested information may result in suspension or termination without refund.

2.5 Accurate Information

You warrant that all information provided during registration and throughout your use of the Platform is truthful, accurate, and not misleading. You agree to promptly update your information to maintain its accuracy.

3. NATURE OF SERVICES AND DISCLAIMERS.

3.1 Marketplace Only

The Platform is an online marketplace and matching tool. CCA is not a broker, financial advisor, lender, underwriter, escrow agent, investment bank, or agent of any user. We do not partake in negotiations, provide investment advice, guarantee outcomes, verify the accuracy of user representations, or guarantee the availability, solvency, or legitimacy of any party.

3.2 No Investment Advice

All profiles, advertisements, documents, AI-generated content, and materials on the Platform are not investment advice from CCA. We make no representation or warranty as to the completeness, accuracy, reliability, timeliness, legality, or fitness for purpose of any information listed.

3.3 No Verification

CCA does not conduct Anti-Money Laundering (AML), fraud, credit, legal, financial, or background checks on any user, MSME, or investor. We do not verify the identity, solvency, ownership, or bona fides of any party beyond basic account registration. You are solely responsible for all due diligence.

3.4 No Reliance

You expressly acknowledge that you are not relying on any statement, representation, or warranty made by CCA in deciding to use the Platform or enter into any transaction. You bear full responsibility for all due diligence, risk assessment, and verification of any party you connect with.

3.5 No Securities Offering

CCA is not regulated by any securities, financial, or investment regulatory body in Kenya, Nigeria, South Africa, or any other jurisdiction. You are strictly prohibited from offering any form of public securities, shares, bonds, derivatives, collective investment schemes, or any regulated financial instruments via the Platform unless you hold all requisite licenses in every applicable jurisdiction.

3.6 Binding Offers

Advertisements and profiles on the Platform do not constitute binding offers. Acceptance by any user does not create a binding contract with the advertiser until separate, direct negotiations are completed and formalized between the parties outside the Platform.

3.7 AI-Generated Content

The Platform uses AI Services to generate content, match users, and provide support. CCA does not guarantee the accuracy, completeness, or appropriateness of any AI-generated output. AI-generated content may contain errors, hallucinations, or outdated information. You must independently verify all AI-generated content before relying on it for business, investment, legal, or financial decisions.

4. USER CONDUCT AND OBLIGATIONS

4.1 Lawful Use

You may use the Platform solely for its intended purpose: connecting businesses with capital and investors with opportunities. You may not use the Platform for any unlawful, fraudulent, deceptive, abusive, or competitive intelligence purpose.

4.2 Prohibited Activities

You expressly agree that you will not:

• Copy, reproduce, republish, upload, post, publicly display, encode, translate, transmit, distribute, sell, license, or commercially exploit any Platform Content without CCA's express prior written consent;

• Use any automatic device, bot, spider, scraper, crawler, algorithm, AI training data harvesting tool, or any manual equivalent to access, acquire, copy, monitor, scrape, or build a database of any portion of the Platform or Content;

• Circumvent, disable, or interfere with any security, access-control, or rate-limiting features of the Platform;

• Contact any party unless you have a genuine, pre-qualified interest in their specific offering;

• Upload, post, or transmit any Content that is defamatory, obscene, unlawful, threatening, harassing, discriminatory, hateful, or infringes any third-party intellectual property, privacy, or publicity rights;

• Upload false, misleading, fabricated, or fraudulent financial statements, business plans, credentials, or ownership claims;

• Impersonate any person or entity, or falsely state your affiliation with any person or entity;

• Distribute malware, viruses, spam, or conduct phishing, social engineering, or ransomware attacks;

• Use the Platform to build a competing product, service, or database, or to harvest user data for external commercial purposes;

• Offer or solicit public securities, shares, bonds, or regulated financial instruments without proper licensing;

• Transfer your account to another party without CCA's written consent;

• Use the Platform to process personal data of third parties without their lawful consent.

4.3 Third-Party Data

Before providing us with personal data about any third party (e.g., employees, co-founders, agents), you must obtain their explicit consent and lawful authority, and undertake to keep them informed about how their information will be used.

4.4 Intermediary Authority

If you act as a broker, agent, or intermediary, you warrant that you have full written authority from the principal to advertise, represent, and negotiate on behalf of the business on the Platform.

5. INTELLECTUAL PROPERTY

5.1 CCA Ownership

All Content, software, technology, designs, logos, trademarks, service marks, databases, algorithms, and underlying systems on the Platform are the exclusive property of CCA or its licensors and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws across Africa and internationally. No license is granted to you except the limited, non-exclusive, non-transferable right to use the Platform as intended.

5.2 User Content License

By uploading Content, you grant CCA a perpetual, irrevocable, worldwide, royalty-free, fully sublicensable, non-exclusive license to use, reproduce, modify, adapt, publish, translate, distribute, display, and create derivative works from such Content solely for the purpose of operating, promoting, and improving the Platform. You represent and warrant that you own or have secured all necessary rights, licenses, and consents to such Content.

5.3 Company Name and Logo

If you represent a company, CCA may display your company name and logo on the Platform, promotional materials, investor reports, and marketing collateral unless you object in writing. You grant us a limited license for such display.

5.4 No Reverse Engineering

You may not decompile, reverse engineer, disassemble, or attempt to derive the source code, algorithms, or trade secrets of the Platform or its AI Services.

6. PAYMENT, FEES, AND REFUNDS

6.1 Fees

All fees for Platform services are payable as specified at the point of purchase. Fees may be modified with reasonable notice.

6.2 Non-Refundable

ALL PAYMENTS ARE FINAL AND NON-REFUNDABLE, except where expressly required by applicable law. This includes fees paid prior to account suspension or termination for violation of these Terms.

6.3 Taxes

You are responsible for all applicable taxes, levies, duties, and withholding taxes arising from your use of the Platform or any transaction facilitated through it.

7. DATA PROTECTION, PRIVACY, AND AI PROCESSING

7.1 Privacy Policy

Your use of the Platform is subject to our Privacy Policy, incorporated herein by reference. By using the Platform, you consent to the collection, processing, storage, and cross-border transfer of your Personal Data as described therein.

7.2 MSME Data Consent

MSMEs must provide explicit, informed, and unambiguous consent for their data to be shared with potential investors. Investors are contractually prohibited from using MSME data for any purpose other than evaluating the specific investment opportunity presented. MSMEs may withdraw consent at any time by contacting our Data Protection Officer.

7.3 AI Services and Third-Party Processing

Certain Platform features utilize AI Services provided by Anthropic, PBC. Capital Connect Africa maintains a commercial API agreement with Anthropic, and Anthropic processes personal data on our behalf as a data processor under Anthropic's Data Processing Addendum ("DPA") and Standard Contractual Clauses ("SCCs") for cross-border data transfers.

By using AI-powered features, you acknowledge that:

• Your inputs and related data may be transmitted to Anthropic's servers in the United States and other jurisdictions for processing;

• Anthropic does not use API data to train its AI models under our commercial agreement;

• API logs are retained for 7 days and then automatically deleted, unless Zero Data Retention has been activated;

• Sub-processors include Amazon Web Services, Google Cloud Platform, and Microsoft Azure;

• CCA does not guarantee the accuracy, completeness, or appropriateness of any AI-generated output;

• You are solely responsible for reviewing and validating any AI-generated content before relying on it for business, investment, legal, or financial decisions.

7.4 No Liability for Data Loss

CCA is not responsible for the deletion, corruption, or failure to store any Content maintained or transmitted by users through the Platform. You are solely responsible for backing up your data.

7.5 Data Minimization

You agree to only upload Personal Data that is necessary for the intended purpose of the Platform. You must not upload unnecessary sensitive Personal Data (e.g., raw financial account numbers, unredacted identity documents, health records) unless specifically required for a verified feature and with appropriate safeguards.

8. THIRD-PARTY LINKS AND SERVICES

The Platform may contain links to third-party websites, services, or resources. CCA has no control over these resources and makes no representations, warranties, or endorsements regarding their accuracy, safety, legality, or availability. Your use of third-party resources is at your own risk and subject to their terms.

9. SUSPENSION, TERMINATION, AND MODIFICATION

9.1 CCA Rights

CCA reserves the right, at our sole discretion and without prior notice or liability, to: (a) suspend, restrict, or terminate your account or access to the Platform; (b) edit, delete, or remove any Content or profile; (c) alter the content, presentation, performance, user facilities, or availability of any part of the Platform; and (d) withdraw or modify any service at any time.

9.2 Grounds for Termination

We may terminate or suspend you immediately if we believe, in our sole opinion, that you are: (a) misusing the Platform or using it for purposes other than intended; (b) providing false, misleading, or offensive information; (c) violating any provision of these Terms or any applicable law; (d) behaving offensively toward CCA staff or other users; or (e) infringing third-party intellectual property rights.

9.3 Effect of Termination

Upon termination, your right to use the Platform ceases immediately. All provisions that by their nature should survive termination (including intellectual property, indemnification, limitation of liability, dispute resolution, and governing law) shall remain in full force.

9.4 No Refund on Termination

Termination for cause does not entitle you to any refund.

10. INDEMNIFICATION

10.1 Broad Indemnity

You agree to indemnify, defend, and hold harmless CCA, its affiliates, directors, officers, employees, agents, licensors, and service providers from and against any and all claims, demands, actions, proceedings, liabilities, damages, losses, costs, and expenses (including reasonable legal and professional fees, economic loss, loss of profit, future revenue, reputation, goodwill, anticipated savings, and consequential loss) arising out of or relating to:

• Your use of the Platform or any Content you upload, post, or transmit;

• Your violation of these Terms or any applicable law;

• Your infringement of any third-party intellectual property, privacy, or other rights;

• Any transaction, negotiation, or dispute between you and any other user;

• Any misrepresentation or fraud committed by you;

• Any claim that Content you uploaded infringes third-party rights;

• Your failure to conduct adequate due diligence, AML checks, or fraud verification.

10.2 No Duty to Mitigate

CCA shall have no duty to mitigate its loss in any circumstance. You agree to indemnify CCA in full and on demand.

10.3 Investor-Specific Indemnity

Investors specifically indemnify CCA against all claims arising from their failure to conduct adequate due diligence, AML checks, or fraud verification on any MSME, and from any investment decision made based on Platform information.

11. LIMITATION OF LIABILITY

11.1 "As Is" Basis

THE PLATFORM AND ALL CONTENT ARE PROVIDED STRICTLY ON AN "AS IS" AND "AS AVAILABLE" BASIS. CCA EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

11.2 No Warranty

CCA DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, VIRUS-FREE, OR THAT DEFECTS WILL BE CORRECTED.

11.3 Maximum Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CCA'S TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID TO CCA IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) USD $100.

11.4 Exclusion of Consequential Damages

IN NO EVENT SHALL CCA BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, EXEMPLARY, OR AGGRAVATED DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, GOODWILL, USE, OR OTHER INTANGIBLE LOSSES, WHETHER OR NOT CCA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11.5 No Liability for User Disputes

CCA IS NOT LIABLE FOR ANY DISPUTE, LOSS, OR DAMAGE ARISING OUT OF OR CONNECTED WITH ANY INTERACTION, TRANSACTION, OR NEGOTIATION BETWEEN USERS. IF YOU HAVE A DISPUTE WITH ONE OR MORE USERS, YOU RELEASE CCA FROM ALL CLAIMS, DEMANDS, AND DAMAGES (ACTUAL AND CONSEQUENTIAL) OF EVERY KIND AND NATURE, KNOWN AND UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH SUCH DISPUTES.

11.6 No Liability for Third-Party Content

CCA IS NOT LIABLE FOR ANY INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS ARISING OUT OF MATERIALS POSTED ON OR TRANSMITTED THROUGH THE PLATFORM BY END-USERS OR THIRD PARTIES.

11.7 No Liability for System Damage

CCA ACCEPTS NO RESPONSIBILITY FOR ANY LOSS, DISRUPTION, OR DAMAGE TO YOUR DATA OR COMPUTER SYSTEM ARISING FROM YOUR USE OF THE PLATFORM OR ANY MATERIAL DOWNLOADED FROM IT.

11.8 No Liability for AI Output

CCA IS NOT LIABLE FOR ANY DECISION, LOSS, OR DAMAGE RESULTING FROM YOUR RELIANCE ON AI-GENERATED CONTENT, INCLUDING MATCHING RECOMMENDATIONS, CHATBOT RESPONSES, OR GENERATED DOCUMENTS.

12. DISPUTE RESOLUTION AND GOVERNING LAW

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Kenya, without regard to its conflict of law principles. Where you are located in another African jurisdiction with mandatory consumer protection, data protection, or financial laws that cannot be contractually excluded, those laws shall apply to the extent required by local law.

12.2 Pan-African Compliance

We acknowledge that users may access the Platform from multiple African jurisdictions. We commit to complying with the applicable laws of each jurisdiction regarding data protection, consumer rights, and financial regulations, including:

• Kenya: Data Protection Act, 2019; Capital Markets Act; Computer Misuse and Cybercrimes Act

• Nigeria: Data Protection Act, 2023; Investments and Securities Act

• South Africa: Protection of Personal Information Act, 2013 (POPIA); Financial Advisory and Intermediary Services Act

• Ghana: Data Protection Act, 2012 (Act 843); Securities Industry Act

• Rwanda: Law No. 058/2021 Relating to the Protection of Personal Data and Privacy; Capital Market Law

• Uganda: Data Protection and Privacy Act, 2019

• Ethiopia: Personal Data Protection Proclamation, 2024

• African Union: Convention on Cyber Security and Personal Data Protection (Malabo Convention)

• European Union: General Data Protection Regulation (GDPR), where applicable to EU-based users

12.3 Informal Resolution

Before filing any claim, you agree to attempt to resolve the dispute informally by contacting us at . We will attempt to resolve the dispute within 30 days.

12.4 Binding Arbitration

If informal resolution fails, any dispute, controversy, or claim arising out of or relating to these Terms or the Platform shall be finally resolved by binding arbitration administered by the Nairobi Centre for International Arbitration (NCIA) under its Arbitration Rules. The arbitration shall be conducted in English in Nairobi, Kenya.

12.5 Class Action Waiver

YOU AGREE THAT ANY PROCEEDINGS, WHETHER IN ARBITRATION OR COURT, WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE ANY RIGHT TO PARTICIPATE IN CLASS ACTIONS, PRIVATE ATTORNEY GENERAL ACTIONS, OR CLASS ARBITRATIONS.

12.6 Jury Waiver

TO THE EXTENT PERMITTED BY LAW, BOTH PARTIES WAIVE ANY RIGHT TO A JURY TRIAL IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS.

12.7 Injunctive Relief

Notwithstanding the arbitration clause, CCA may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm.

13. FORCE MAJEURE

CCA shall not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from causes beyond CCA's reasonable control, including but not limited to: acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, shortages of transportation, facilities, fuel, energy, labor, or materials, internet or telecommunications failures, pandemics, or government actions.

14. SEVERABILITY AND WAIVER

14.1 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, or if not possible, severed from these Terms, and the remaining provisions shall continue in full force and effect.

14.2 No Waiver

CCA's failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by CCA.

15. ASSIGNMENT

You may not assign, transfer, or sublicense these Terms or any rights or obligations hereunder without CCA's prior written consent. CCA may assign these Terms freely, including in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets, without notice to you.

16. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy, Cookie Policy, Data Processing Addendum (where applicable), and any other legal notices published on the Platform, constitute the entire agreement between you and CCA regarding the use of the Platform and supersede all prior or contemporaneous agreements, understandings, negotiations, and discussions, whether oral or written.

17. NOTICES

All notices to CCA must be in writing and sent to:

• Email:

• Physical Address: Capital Connect Africa, Upper Hill, Nairobi, Kenya

We may provide notices to you via email, Platform notification, or posting on the website. Notices sent to your registered email address shall be deemed received 24 hours after sending.

18. HEADINGS

The headings in these Terms are for convenience only and have no legal or contractual effect.

19. CONTACT INFORMATION

For any questions regarding these Terms, please contact us using the information below:

Department

Contact

General Support

Phone

+254 792 724 103

Data Protection Officer

DPO Phone

+254 715 501 703

Disputes

Physical Address

Capital Connect Africa, Upper Hill, Nairobi, Kenya

BY CONTINUING TO USE THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.