Terms of Service

Effective Date: January 1, 2026

Last Updated: January 1, 2026

Please read these Terms of Service ("Terms") carefully before using the website located at www.albacapital.com operated by Alba Capital ("we," "us," or "our"). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Website.

1. Acceptance of Terms

By accessing and using this Website, you confirm that you are at least 18 years of age, have read and understood these Terms, and agree to be bound by them and our Privacy Policy, which is incorporated herein by reference. These Terms constitute a legally binding agreement between you and Alba Capital.

2. Changes to Terms

We reserve the right to modify these Terms at any time at our sole discretion. We will notify you of material changes by updating the "Last Updated" date at the top of this page. Your continued use of the Website following the posting of revised Terms constitutes your acceptance of those changes.

3. Use of the Website

3.1 Permitted Use

You may use the Website for lawful purposes only and in accordance with these Terms. Permitted uses include:

• Browsing publicly available content for personal, non-commercial purposes
• Contacting us through any contact forms or communication channels provided
• Accessing resources and materials made available on the Website

3.2 Prohibited Use

You agree not to use the Website in any of the following ways:

• In violation of any applicable local, national, or international law or regulation
• To transmit any unsolicited or unauthorised advertising or promotional material (spam)
• To transmit any data that is harmful, offensive, obscene, or otherwise objectionable
• To upload or transmit viruses, malware, or any other malicious code
• To attempt to gain unauthorised access to any part of the Website or its servers
• To harvest, collect, or gather personal data of other users without consent
• To engage in scraping, crawling, or data mining of the Website
• To impersonate or attempt to impersonate Alba Capital, an employee, another user, or any other person or entity
• In any manner that could disable, overburden, damage, or impair the Website

4. Intellectual Property

4.1 Ownership

The Website and its entire contents, features, and functionality — including but not limited to all information, text, graphics, logos, button icons, images, audio clips, data compilations, and software — are owned by Alba Capital, its licensors, or other providers and are protected by applicable copyright, trademark, patent, trade secret, and other intellectual property laws.

4.2 Limited Licence

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Website for your personal, non-commercial use. This licence does not include the right to:

• Modify, copy, or create derivative works based on the Website content
• Use the content for any commercial purpose or for any public display
• Attempt to decompile or reverse-engineer any software on the Website
• Remove any copyright, trademark, or other proprietary notices

4.3 Trade Marks

The Alba Capital name, logo, and all related names, logos, product and service names, designs, and slogans are trade marks of Alba Capital or its affiliates. You must not use such marks without our prior written permission.

5. User Content

If you submit, post, or otherwise make available any content through the Website ("User Content"), you grant us a non-exclusive, royalty-free, worldwide, perpetual licence to use, reproduce, modify, publish, distribute, and display such User Content in connection with operating and improving the Website.

You represent and warrant that: (i) you own or control all rights to the User Content; (ii) all User Content is accurate; (iii) use of the User Content does not violate these Terms or any applicable law.

6. Disclaimers

THE WEBSITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that: (a) the Website will be uninterrupted or error-free; (b) defects will be corrected; (c) the Website or the servers that make it available are free of viruses or other harmful components; (d) the information on the Website is complete, accurate, reliable, or current.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ALBA CAPITAL SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE WEBSITE OR ANY CONTENT THEREON.

OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE WEBSITE SHALL NOT EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE WEBSITE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

Some jurisdictions do not allow the exclusion or limitation of liability for certain damages. In such jurisdictions, our liability shall be limited to the fullest extent permitted by law.

8. Indemnification

You agree to defend, indemnify, and hold harmless Alba Capital and its officers, directors, employees, contractors, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgements, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to your violation of these Terms or your use of the Website.

9. Third-Party Links and Content

The Website may contain links to third-party websites, services, or content that are not owned or controlled by Alba Capital. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We strongly recommend that you read the terms and privacy policy of any third-party website you visit.

10. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Kenya, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located in Nairobi, Kenya to resolve any dispute arising out of these Terms or your use of the Website.

11. Dispute Resolution

Before initiating formal legal proceedings, both parties agree to attempt in good faith to resolve any dispute through informal negotiation for a period of thirty (30) days. If the dispute is not resolved within that period, either party may pursue the remedies available under applicable law.

12. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions shall continue in full force and effect.

13. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Alba Capital regarding your use of the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.

14. Contact

If you have any questions about these Terms, please contact us at: