Disclaimer

1. No Investment Advice

NorthSeed ("the Platform") is a startup directory and introduction platform operated by NorthSeed Technologies, a business registered in Kenya (Business No. BN-36SMOWME) ("we," "us"). The information provided on the Platform is for informational purposes only and does not constitute investment advice, financial advice, legal advice, tax advice, or any other type of professional advice. Nothing on the Platform should be construed as a recommendation or endorsement to invest in, partner with, or engage any startup listed. Investing in startups is high-risk and you may lose all of the money you invest.

2. No Broker or Dealer

NorthSeed is not a broker, dealer, investment advisor, crowdfunding platform, or financial intermediary. We do not facilitate, process, or execute any investment transactions. We do not hold, manage, or transfer funds on behalf of any user. Any investment or business arrangement made between a founder and an investor is entirely between those parties.

3. Not an Offer of Securities

Startup listings on the Platform are not offers to sell, or solicitations of offers to buy, securities in any jurisdiction. NorthSeed is not licensed or regulated as an investment advisor, securities broker, dealer, exchange, or crowdfunding platform by the Capital Markets Authority of Kenya (CMA) or any other financial regulator.

Founders and investors are each solely responsible for making sure that any fundraising or investment they pursue complies with the laws that apply to them, including the Capital Markets Act (Cap 485A), the Securities Act (where applicable), the Proceeds of Crime and Anti-Money Laundering Act (POCAMLA), and any securities, anti-money-laundering, and tax laws in their own countries.

4. No Verification of Listings or Users

While we review startup submissions for completeness and obvious red flags, we do not:

• Verify the accuracy of financial claims, traction data, or revenue figures
• Conduct background checks on founders or investors
• Validate business models, market potential, or product claims
• Endorse or guarantee the quality, viability, or legitimacy of any startup
• Confirm the identity, source of funds, or accreditation status of any user

We do not currently perform anti-money-laundering (AML) or know-your-customer (KYC) checks. Users must comply with all applicable AML and counter-terrorist-financing laws and must not use the Platform to launder money, finance terrorism, or conduct any unlawful transaction.

5. User-Submitted Content and Forward-Looking Statements

Startup profiles, images, traction figures, and other content are submitted by users, and the views and claims expressed are theirs, not ours. We are not responsible for the accuracy, completeness, or legality of Your Content or any other user's content. Statements about future plans, growth, or returns are forward-looking, are not promises, and may not turn out to be true.

6. Beware of Fraud

• Be cautious of anyone who pressures you to move money quickly or promises guaranteed returns.
• Verify the identity and background of anyone you deal with before sending money, signing documents, or sharing sensitive information.
• NorthSeed will never ask you for your password, M-Pesa PIN, or full card details by email, WhatsApp, or phone.
• If you see a suspicious listing or user, report it to us at legal@northseedapp.com.

7. No Guarantee of Results

We do not guarantee that any startup listed on the Platform will receive investment, that any investor will find suitable opportunities, or that any introduction will lead to a successful outcome. All decisions to invest, partner, or engage are made at your own risk.

8. Due Diligence

You are solely responsible for conducting your own due diligence before making any investment or business decision. We strongly recommend that you consult with qualified financial, legal, and tax professionals before entering into any transaction or agreement with another user.

9. Third-Party Links and Content

The Platform may contain links to third-party websites, products, or services. We are not responsible for the content, accuracy, or practices of any third-party sites. The inclusion of any link does not imply endorsement by NorthSeed.

10. Fees & Payments

NorthSeed Technologies charges the following fees, processed via third-party payment providers:

• Startup listing fee: USD $1 per startup upload. This fee is charged each time a founder submits a new startup for review.
• Investor activation & subscription: USD $32 one-time activation fee, followed by USD $2 per month to keep the investor account active. Card subscriptions auto-renew until cancelled; M-Pesa subscriptions require manual renewal.

All payments are processed by Paystack and its partner networks. We do not store your full card details or M-Pesa credentials. By making a payment, you also agree to Paystack's terms of service and privacy policy. Full fee terms are in our Terms & Conditions.

11. Refund Policy

Due to the nature of the review process, fees are generally non-refundable, except where required by law:

• Startup listing fee ($1): Non-refundable. If your startup is rejected after review, you will receive a free re-upload credit that can be used on your next submission. This credit is applied automatically and does not expire.
• Investor activation ($32) & monthly fee ($2): Non-refundable once the account has been activated or renewed. To cancel auto-renewal, email us at legal@northseedapp.com. Cancellation stops future charges but does not refund the current period.

If you believe you were charged in error (for example, a duplicate or unauthorized charge), contact us within 7 days and we will review the issue. Nothing in this section limits any refund rights you have under applicable law.

12. Limitation of Liability

To the fullest extent permitted by law, NorthSeed, NorthSeed Technologies and its team shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of the Platform, including but not limited to financial losses, lost profits, or damages resulting from investment decisions, business dealings, or introductions made through the Platform. Nothing in this Disclaimer limits any liability that cannot be excluded under applicable law.

13. No Professional Relationship

Using NorthSeed does not create any professional, fiduciary, or advisory relationship between you and the Platform. We are not your financial advisor, legal counsel, or business consultant.

14. Changes to This Disclaimer

We may update this Disclaimer from time to time. Material changes will be reflected by an updated "Last updated" date at the top of this page.

15. Contact Us

If you have questions about this Disclaimer, contact us: