Terms and Conditions.

In these Terms and Conditions, the following definitions apply unless the context clearly indicates otherwise:

"Company", "we", "us" or "our"

refers to African Liberal Investments (Pty) Ltd, Registration Number 2022/810695/07, a private company incorporated under the laws of the Republic of South Africa.

"Website"

refers to the online platform operated by the Company and accessible at a-l-i.co.za and any associated subdomains.

"User", "you" or "your"

refers to any individual or entity that accesses or uses the Website, submits an application or engages with any of the Company's services.

"Services"

refers collectively to the Company's funding solutions, business bridging support, private financial structuring and investment participation opportunities as described on the Website.

"Application"

refers to any formal request for funding or investment participation submitted by a User through the Website or directly to the Company.

"Agreement"

refers to any formal written contract entered into between the Company and a User following the approval of an Application.

"POPIA"

refers to the Protection of Personal Information Act 4 of 2013 of South Africa, as amended from time to time.

"NCA"

refers to the National Credit Act 34 of 2005 of South Africa, as amended from time to time.

Words in the singular include the plural and vice versa. Headings are for convenience only and do not affect the interpretation of these Terms.

By accessing and using this Website, you agree to be bound by these Terms and Conditions, our Privacy Policy and any other policies published on the Website. If you do not agree to these terms, you must cease using the Website immediately.

The Company grants you a limited, non-exclusive, non-transferable and revocable licence to access and use the Website solely for the purpose of learning about our services and submitting applications or enquiries. This licence does not permit any commercial use, reproduction, distribution or modification of Website content.

The Company reserves the right to modify, suspend or discontinue the Website or any part thereof at any time and without prior notice. We shall not be liable to you or any third party for any modification, suspension or discontinuation of the Website.

• You must be at least 18 years of age to access and use this Website.
• You must not use the Website for any unlawful, fraudulent or malicious purpose.
• You must not attempt to gain unauthorised access to any part of the Website, its servers, or any associated databases or systems.
• You must not transmit any unsolicited commercial communications, malware, viruses or any other harmful or disruptive code through the Website.
• You must not use automated systems, bots or scrapers to access or extract content from the Website without prior written consent from the Company.

The Company reserves the right to terminate or restrict your access to the Website at any time and without prior notice if we believe you have breached any provision of these Terms.

African Liberal Investments is a private capital and financial solutions company. The information provided on this Website is for general informational purposes only and does not constitute financial, investment, legal or tax advice. Users are strongly encouraged to seek independent professional advice before making any financial decisions.

The availability of any service described on this Website does not constitute an offer to provide such service. All services are subject to internal assessment, qualifying criteria, availability and the execution of a formal written agreement between the Company and the User.

The Company reserves the right to decline any application, withdraw any service offering or amend service terms at any time and without prior notice, in its sole discretion.

Services are currently available only to individuals and entities located within the Republic of South Africa. The Company makes no representation that the services described on this Website are available or appropriate for use in jurisdictions outside South Africa.

Applications for funding may be submitted through the Website's online application form or directly to the Company via email. By submitting an application, you confirm and warrant the following:

• All information provided in your application is true, accurate, complete and not misleading in any respect.
• You are at least 18 years of age and have full legal capacity to enter into a binding agreement.
• You are a South African citizen or permanent resident, or a legally registered entity in South Africa.
• You are not currently subject to any debt review, sequestration, administration order or similar insolvency or debt relief process.
• You consent to the Company verifying your personal and financial information through appropriate internal and external processes.

Submission of an application does not constitute an offer to provide funding, nor does it create any obligation on the part of the Company to approve, structure or disburse any funds. All applications are subject to internal assessment and the Company's sole discretion.

If your application is approved, the specific terms of any funding arrangement — including the amount, interest rate, repayment schedule, fees and conditions — will be communicated to you in a formal written agreement. No funding will be disbursed until a duly signed agreement is in place. You are under no obligation to proceed with any approved offer and may withdraw at any time before signing.

Providing false, misleading or incomplete information in an application may result in immediate decline or cancellation of any funding arrangement and may expose you to civil or criminal liability.

African Liberal Investments offers private capital participation opportunities to qualifying private individuals. Access to these opportunities is strictly limited and is not available to the general public. Investment participation is subject to the following conditions:

• All investment participation requests are subject to structured internal assessment and suitability evaluation by the Company.
• The Company reserves the right to decline any participation request without providing reasons.
• No investment participation will be formalised without the execution of a written agreement specifying the terms, risks and conditions of participation.
• All investment activity involves risk. The value of any investment or participation interest may decrease as well as increase, and past performance is not indicative of future results.

The information contained on this Website relating to investment opportunities does not constitute a prospectus, offering document or solicitation for investment as defined under applicable South African securities legislation. Nothing on this Website should be construed as investment advice.

As a User of this Website and any of the Company's services, you agree to the following obligations at all times:

• To provide accurate, truthful and complete information in all dealings with the Company, including applications, enquiries and ongoing communications.
• To notify the Company promptly of any material change in your financial circumstances that may affect your ability to meet obligations under any agreement.
• To use the Website and services solely for lawful purposes and in compliance with all applicable South African laws and regulations.
• To refrain from attempting to impersonate the Company, its representatives or any other user in any communication or interaction.
• To keep confidential any non-public information shared by the Company in the course of your engagement with our services.
• To not disclose the specific terms of any agreement with the Company to any third party without the Company's prior written consent.

Breach of any of the above obligations may result in the immediate suspension or termination of your access to the Website and any services, the cancellation of any pending or approved applications, and the acceleration of any outstanding obligations under a formal agreement.

All content on this Website — including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations and software — is the property of African Liberal Investments (Pty) Ltd or its content suppliers and is protected by applicable South African and international intellectual property laws.

The Company's name, logo, brand identity and registered company details are proprietary to African Liberal Investments. Unauthorised use of any of the Company's intellectual property — including in the context of fraud, impersonation or misrepresentation — will be pursued through all available legal remedies.

• You may not reproduce, republish, upload, post, transmit or distribute any Website content without prior written consent from the Company.
• You may not create derivative works from any Website content or use any content for commercial purposes without written authorisation.
• You may print or download individual pages of the Website for your own personal, non-commercial reference only.

Any feedback, suggestions or ideas you submit to the Company may be used by the Company without any obligation to compensate you, and you hereby assign to the Company all intellectual property rights in such submissions.

To the fullest extent permitted by applicable law, African Liberal Investments and its directors, officers, employees and agents shall not be liable for any direct, indirect, incidental, special, consequential or punitive loss or damages arising from or in connection with:

• Your access to or use of (or inability to access or use) the Website or any of its content.
• Any reliance placed on information contained on the Website, which is provided for informational purposes only and without warranty.
• Any unauthorised access to or alteration of your transmissions or data by a third party.
• Fraud, impersonation or other unlawful conduct perpetrated by third parties using the Company's name, brand or identity without authorisation.
• Any interruption, suspension, error or failure of the Website or any linked third-party website or service.
• Any decision made or action taken by you in reliance on information obtained through this Website.

Nothing in these Terms shall limit or exclude liability for death or personal injury caused by negligence, fraud or any other liability that cannot be excluded or limited by applicable South African law.

The Company's total aggregate liability to you for any claim arising in connection with these Terms shall not exceed the amount (if any) paid by you to the Company in connection with the specific service giving rise to the claim in the twelve months preceding the claim.

African Liberal Investments is committed to protecting the privacy and security of your personal information. The collection, use, storage and disclosure of personal information submitted through this Website or in connection with our services is governed by our Privacy Policy and the Protection of Personal Information Act 4 of 2013 (POPIA).

By submitting personal information to the Company through this Website or any other channel, you confirm that you:

• Consent to the collection, storage, processing and use of your personal information by the Company for the purposes of assessing your application and managing your financial relationship with us.
• Acknowledge that your personal information may be shared with third parties where required to assess your application (such as credit bureaus or verification services), subject to applicable confidentiality and data protection obligations.
• Understand that you have the right to access, correct and delete your personal information held by the Company, subject to applicable legal requirements, by contacting us at info@a-l-i.co.za.

The Company implements reasonable technical and organisational security measures to protect personal information against unauthorised access, disclosure, alteration or destruction. However, no method of transmission over the internet or method of electronic storage is completely secure, and the Company cannot guarantee absolute security.

Personal information will be retained for as long as necessary to fulfil the purposes for which it was collected, to comply with legal obligations and to resolve disputes or enforce agreements.

Governing Law. These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of South Africa. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of South Africa.

Amendments. The Company reserves the right to amend these Terms and Conditions at any time. Amendments will be effective immediately upon publication on the Website. Your continued use of the Website following any amendment constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically for updates.

Severability. If any provision of these Terms is found by a competent court to be unlawful, invalid or unenforceable, that provision shall be deemed severed from the remaining Terms, which shall continue in full force and effect.

Entire Agreement. These Terms, together with our Privacy Policy and any formal written agreement entered into with the Company, constitute the entire agreement between you and the Company with respect to your use of the Website and the services, and supersede all prior understandings, representations and agreements.

Waiver. No failure or delay by the Company in exercising any right or remedy under these Terms shall constitute a waiver of that right or remedy. A waiver of any breach shall not constitute a waiver of any subsequent breach.

Third-Party Websites. The Website may contain links to third-party websites for informational purposes only. The Company does not endorse and is not responsible for the content, privacy practices or terms of any linked website. Your use of any third-party website is at your own risk.

Force Majeure. The Company shall not be liable for any failure or delay in performing its obligations where such failure or delay results from circumstances beyond the Company's reasonable control, including but not limited to acts of God, governmental actions, cyber-attacks, power failures or natural disasters.

Contact. If you have any questions, concerns or complaints regarding these Terms and Conditions, please contact us at: