Terms of Use

About these terms

These terms are an agreement between you and Image Registrars Limited ("Image Registrars", "we", "us") for your use of the Investor Portal website and mobile app ("the Portal"). By creating an account or using the Portal, you accept these terms and our Privacy Policy.

If you use the Portal for someone else, such as a company, an estate or a child, you confirm that you have the authority to do so, and these terms apply to you and to them.

What the Portal does

The Portal lets you:

• see your holdings and dividend history with the companies whose registers we keep;
• keep your profile, contact and dividend payment details up to date;
• send inquiries, share transfer requests, requests to amend your details and requests for UFAA letters;
• exchange messages and documents with our staff;
• receive notices and announcements.

The Portal is not a trading platform: you cannot buy or sell shares through it. Nothing in the Portal is investment, tax or legal advice.

Who can use it

You must be at least 18 years old and able to enter into a binding agreement. Before you can see a holding, you must pass our identity checks against the issuer's register. We may ask for more documents, and we may decline or withdraw access when we cannot verify you or suspect fraud.

Your account and its security

Keep your sign-in details, your phone and your email account secure. You are responsible for what is done through your account, so tell us straight away if you think someone else has used it.

We will never ask for your password or a one-time code. We may suspend access to your account to protect you, a holding or the register.

Accurate information

The information and documents you give us must be true, complete and yours to give. Using false information or documents to reach a holding that is not yours is fraud. We will refuse it and may report it to the authorities.

Requests and instructions

Sending a request through the Portal does not carry it out. Our staff review every request and may ask for more documents, an original or wet-signed instrument, or steps by the issuer, the CDSC or a court before it takes effect. The times we show are targets, not guarantees.

Where a holding is joint, a request goes ahead only after the other holders have approved it. We act on instructions that come from your verified account, which is why keeping it secure matters.

Dividends, payment details and UFAA

The issuer declares dividends, and we pay them to the details on the register, on the issuer's instructions. Our staff check any change to your payment details before it is used, and a change may not apply to a payment that is already being processed.

Dividends that stay unclaimed are remitted to the Unclaimed Financial Assets Authority (UFAA), as the law requires. A UFAA letter from us confirms what was remitted; you then make your claim to UFAA.

Information shown in the Portal

We take care to show accurate information, but the official record of your holding is the issuer's share register, together with CDSC records for shares held in the depository. What the Portal shows may be delayed and is for your information. If something looks wrong, please tell us.

Messages we send

Verification codes, request updates and dividend notices sent by email, SMS and app notification are part of the service. Announcements follow your Communication preferences. Notices we send to the email address or mobile number on your account count as given to you, so keep them up to date.

Acceptable use

You must not:

• try to reach an account, holding or data that is not yours;
• test, bypass or attack the Portal's security;
• copy data out of the Portal by automated means, or place an unreasonable load on it;
• upload malicious software, or files you have no right to share;
• use the Portal for anything unlawful.

Availability and changes

We work to keep the Portal available, but we cannot promise it will always be uninterrupted or free of errors. We may change, suspend or withdraw features, for example for maintenance or security. You can always contact us by the other means listed below.

Intellectual property

The Portal and its content belong to Image Registrars or our licensors. We give you a personal, non-transferable right to use it for its purpose. Issuers' names and logos belong to their owners.

Our responsibility to you

As far as the law allows, we are not responsible for loss caused by events outside our reasonable control, by your account not being kept secure, by inaccurate information you gave us, or by the delays or failures of banks, mobile money providers, the CDSC, network operators or other third parties.

Nothing in these terms limits any responsibility that the law does not allow us to limit, including liability for fraud, or your rights under the Consumer Protection Act, 2012.

Closing your account

You can stop using the Portal at any time, and delete your account yourself in your account settings or ask us to close it. We may suspend or close an account that breaks these terms, or where the law requires it. Closing an account does not affect your shares, or the records we must keep by law.

Changes to these terms

We may update these terms. We will post the new version here with a new date and, for significant changes, tell you in the Portal or by email before they take effect. If you keep using the Portal after that, the new terms apply; if you do not agree with them, stop using it and delete your account.

Law and complaints

These terms are governed by the laws of Kenya. If you have a complaint, please contact us first and we will try to resolve it. You may also complain to the Capital Markets Authority. The courts of Kenya have jurisdiction over any dispute.

Contact us

• Address: Image Registrars Limited, 5th Floor, Absa Towers, Loita Street, P.O. Box 9287-00100 GPO, Nairobi, Kenya
• Phone: +254 709 170 000
• Email: info@image.co.ke
• Website: www.image.co.ke