1. Introduction
Welcome to Karibu Capital L.L.C-FZ (“Karibu Capital”, “we”, “us”, or “our”).
These Terms of Service (“Terms”) govern your access to and use of our website:
and your interaction with our services, website forms, advertisements, social-media pages, communication channels, and related digital services.
By accessing or using our website or submitting an enquiry to us, you acknowledge that you have read and understood these Terms and agree to comply with them.
If you do not agree with these Terms, please do not use our website or services.
2. About Karibu Capital
Karibu Capital L.L.C-FZ provides business and financial advisory-related support services, which may include:
- Business Banking Advisory
- Corporate Account Opening Assistance
- Banking Advisory and Support
- Mortgage Solutions and Assistance
- Compliance & Tax Advisory
- Marine Insurance Solutions
- Business and financial documentation support
- Related professional advisory and coordination services
The availability of specific services may depend on your circumstances, eligibility, the relevant service provider, and applicable laws and regulations.
3. Use of Our Website
You agree to use our website only for lawful purposes.
You must not:
- Use the website for fraudulent or unlawful activities;
- Provide false, misleading, or inaccurate information;
- Attempt to gain unauthorized access to our website or systems;
- Interfere with the security or operation of the website;
- Copy, reproduce, modify, or distribute website content without authorization;
- Use automated systems to access or extract website content without our permission; or
- Use our website in a manner that could damage our business, systems, reputation, or other users.
We reserve the right to restrict or terminate access where we reasonably believe that these Terms have been violated.
4. Enquiries and Lead Forms
Our website, Facebook, Instagram, WhatsApp, and other digital channels may allow you to submit an enquiry or request information.
When you submit an enquiry, you agree to provide information that is accurate and complete to the best of your knowledge.
Submitting an enquiry does not automatically create a contractual relationship between you and Karibu Capital.
We may contact you using the contact details you provide to:
- Respond to your enquiry;
- Understand your requirements;
- Provide information about relevant services;
- Arrange a consultation;
- Request additional information;
- Prepare a proposal or quotation; or
- Follow up regarding your enquiry.
Our processing of personal information is also governed by our Privacy Policy.
Privacy Policy:
https://www.karibucapital.ae/privacy-policy/
5. Business Banking Advisory
Karibu Capital may provide assistance and advisory support relating to business banking and corporate account-opening requirements.
Our services may include helping clients understand documentation requirements, coordinating with relevant institutions, and assisting with the application process.
However:
Karibu Capital does not guarantee that a bank or financial institution will approve any account-opening application.
Final decisions regarding account opening, banking facilities, credit facilities, financing, limits, pricing, eligibility, and other banking products remain with the relevant bank or financial institution.
6. Mortgage Solutions
Karibu Capital may provide mortgage-related assistance, advisory support, and coordination with relevant financial institutions or service providers.
Any mortgage or financing information provided through our website or representatives is for general informational and advisory purposes unless expressly stated otherwise.
Mortgage approval, interest/profit rates, financing amounts, repayment terms, eligibility, fees, and other conditions are determined by the relevant lender or financial institution.
Submitting a mortgage enquiry does not guarantee approval or financing.
You should review the final terms and conditions provided by the relevant financial institution before entering into any financing arrangement.
7. Compliance and Tax Services
Where offered, Karibu Capital may provide compliance and tax-related advisory or support services.
Information provided through our website is general in nature and should not be considered a substitute for professional legal, accounting, tax, or regulatory advice unless expressly provided under a separate engagement.
Where appropriate, clients may be referred to or coordinated with qualified professional advisers.
8. Marine Insurance Solutions
Karibu Capital may assist clients with marine insurance-related enquiries and coordinate with relevant insurers, brokers, or insurance providers.
Insurance availability, coverage, premiums, exclusions, limits, policy conditions, and acceptance are determined by the relevant insurer or authorized insurance provider.
Karibu Capital does not guarantee that an insurance application will be accepted or that a particular policy or coverage will be available.
The final insurance policy and its terms should be reviewed carefully before acceptance.
9. No Guarantee of Results
While we aim to provide professional and commercially reasonable assistance, we do not guarantee:
- Bank account approval;
- Mortgage approval;
- Financing approval;
- Insurance approval;
- A particular interest rate or financing rate;
- A particular credit limit;
- A specific financial outcome;
- A particular processing time;
- Regulatory approval;
- Government approval; or
- Any other outcome that depends on a third-party institution or authority.
Third-party decisions are outside our control.
10. Fees and Charges
Certain services provided by Karibu Capital may be subject to professional fees, service charges, government fees, third-party charges, or other applicable costs.
Where applicable, fees will be communicated to you before the relevant service is undertaken or as otherwise agreed in writing.
Government fees, bank charges, lender charges, insurance premiums, third-party fees, and other external costs may be separate from Karibu Capital’s professional fees unless expressly stated otherwise.
Any quotation or proposal provided by us may be subject to the terms and validity period specified in that quotation or proposal.
11. Third-Party Services
Some services may involve third parties, including:
- Banks;
- Financial institutions;
- Mortgage providers;
- Insurance companies;
- Insurance brokers;
- Government authorities;
- Regulatory authorities;
- Professional advisers;
- Technology providers; and
- Other service providers.
We may assist in coordinating with these parties where required for a service requested by you.
Third parties operate under their own terms, conditions, policies, and eligibility requirements.
We are not responsible for decisions, delays, policies, fees, or actions of independent third parties.
12. Website Information
We make reasonable efforts to keep the information on our website accurate and current.
However, website content may change from time to time and may contain general information that is not applicable to every individual or business.
Information on the website should not be interpreted as a guarantee, financial recommendation, legal opinion, tax opinion, insurance offer, or commitment to provide a particular service unless expressly stated.
You should obtain appropriate professional advice before making significant financial, legal, tax, insurance, or business decisions.
13. Intellectual Property
Unless otherwise stated, all content on the Karibu Capital website is owned by or licensed to Karibu Capital.
This includes:
- Logos;
- Brand elements;
- Text;
- Graphics;
- Images;
- Videos;
- Website design;
- Marketing materials; and
- Other original content.
You may view and use the website for your personal or legitimate business purposes.
You may not reproduce, modify, distribute, publish, sell, or commercially exploit our content without our prior written permission.
14. Third-Party Links
Our website may contain links to third-party websites, including financial institutions, insurers, government authorities, social-media platforms, or other service providers.
These links are provided for convenience and information.
We do not control third-party websites and are not responsible for their:
- Content;
- Availability;
- Security;
- Privacy practices;
- Terms and conditions; or
- Services.
You should review the applicable terms and privacy policies of third-party websites before using them.
15. Social Media and Meta Platforms
Karibu Capital may operate or advertise through platforms including Facebook, Instagram, WhatsApp, LinkedIn, and other social-media services.
Your use of these platforms is also subject to the terms and policies of the relevant platform provider.
When you interact with our advertisements or submit information through a Meta lead form, we may receive information that you voluntarily provide to us.
Our handling of such information is described in our Privacy Policy.
16. Privacy and Personal Information
Your privacy is important to us.
Personal information collected through our website, enquiry forms, advertising campaigns, or other communication channels will be handled in accordance with our Privacy Policy and applicable law.
Please review:
Privacy Policy:
https://www.karibucapital.ae/privacy-policy/
The UAE has a federal personal-data protection framework, including Federal Decree-Law No. 45 of 2021.
17. Electronic Communications
When you communicate with us electronically, including through email, website forms, WhatsApp, or social-media platforms, you acknowledge that electronic communications may be used to respond to your enquiries and provide requested services.
You should avoid sending highly sensitive documents or confidential information through unsecured channels unless specifically requested by an authorized Karibu Capital representative.
18. Marketing Communications
Where permitted by applicable law, we may contact you regarding services, updates, offers, or information relevant to your enquiry.
You may request that we stop receiving marketing communications by contacting us or using an available unsubscribe mechanism.
Marketing communications and telemarketing activities will be conducted subject to applicable UAE requirements. UAE Cabinet Resolution No. 56 of 2024 regulates telemarketing and related marketing communications, including certain marketing through social-media applications.
19. Website Availability
We aim to keep our website available and operational, but we do not guarantee that it will always be:
- Available;
- Error-free;
- Secure;
- Uninterrupted; or
- Free from viruses or other harmful components.
We may temporarily suspend or modify the website for maintenance, updates, security, technical issues, or other operational reasons.
20. Limitation of Liability
To the extent permitted by applicable law, Karibu Capital shall not be responsible for losses arising from:
- Decisions made by banks, lenders, insurers, government authorities, or other third parties;
- Delays caused by third parties;
- Incorrect information supplied by a customer;
- Website interruptions;
- Third-party website or platform failures;
- Unauthorized access resulting from circumstances outside our reasonable control; or
- Decisions made by a user based solely on general information published on our website.
Nothing in these Terms is intended to exclude or limit any liability that cannot legally be excluded or limited under applicable UAE law.
21. Indemnity
To the extent permitted by applicable law, you agree to indemnify and hold Karibu Capital and its representatives harmless from claims, losses, liabilities, or expenses arising from your:
- Breach of these Terms;
- Misuse of our website;
- Submission of false or misleading information;
- Violation of applicable law; or
- Unauthorized use of our intellectual property.
22. Changes to These Terms
We may update these Terms from time to time.
Changes may be made to reflect:
- Changes in our services;
- Changes in technology;
- Changes in applicable laws or regulations;
- Changes in business practices; or
- Other operational requirements.
The updated version will be published on this page and will include a revised Last Updated date.
Your continued use of the website after changes are published constitutes your acceptance of the updated Terms, to the extent permitted by applicable law.
23. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws applicable in the United Arab Emirates, subject to the applicable jurisdiction and legal framework governing Karibu Capital L.L.C-FZ.
Any dispute arising in connection with these Terms shall be subject to the jurisdiction of the competent courts having authority over the matter, unless otherwise required by applicable law or agreed in writing.
24. Severability
If any provision of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.
25. Entire Agreement
These Terms, together with our Privacy Policy and any separate written agreement, proposal, quotation, engagement letter, or service agreement applicable to a particular service, form the basis of the relationship between you and Karibu Capital regarding use of our website and services.
Where a separate written service agreement applies, its specific terms may govern the relevant service.
26. Contact Us
If you have questions about these Terms or our services, please contact us.
Karibu Capital L.L.C-FZ
Website:
https://www.karibucapital.ae/
Email:
info@karibucapital.ae