Terms And Conditions


 WHO WE ARE?


Sunbridge Online Merchants Limited or the website https://www.kopalink.co.ke (together called the "Company") is not a lender and does not provide loans on its own.

Information carried at Website is not and should not be construed as an offer or solicitation or invitation to borrow or lend. By submitting your query, you authorize Kopalink to share your information with lender(s) and consent for such lender(s) to pull your credit information report and contact you regarding your query. The outcome of your query or application is solely a matter between you and the lender(s).

The Company is, by no means, assuring as to the correctness of information, FAQ’s, graphics, images, text, and/ or various tools and calculators, including their result, displayed at this website or sent to the user by email or otherwise (together called “Information”). These are purely for indicative purposes and cannot be relied upon, either individually or together with any other information, by the user in any manner whatsoever.

The Company is a neutral and independent service provider and is not related to the government, any regulator, financial institution or any credit information bureau in any way; it does not have the ability to influence the outcome of a case or query or loan application in any manner.

The Company is not guaranteeing or assuring a particular or favourable outcome.

The Company is not providing any legal or accounting or tax advice.

The Company shall have no liability whatsoever to the user for any direct, indirect or consequential losses, damages, costs, charges, expenses or otherwise, which the user or any third party may incur arising out of the use of the Information.

Any personal information, documents and credit data and/or technical and/or business and/ or commercial and/ or financial data provided by the user can be used by the Company and its agents without any obligation to the user and be shared with any regulatory or statutory body on their request. The Company is not liable to delete any such information from its servers or records.

The Company gives the option to opt-out from receiving emails or messages at any time. Once you choose to opt-out, you won't receive any further communication from Kopalink. To unsubscribe, click here

Please read these terms and conditions carefully as they contain important information about your rights and obligations when using this website (the ‘Website’)

The Website is owned and operated by Sunbridge Online Merchants Limited trading as Kopalink (‘we’/’us’/’our’), a private limited company registered in Kenya under company number: PVT-PJUV9VM.

The term ‘you’ refers to the user or viewer of our Website. By browsing on or using the Website you are agreeing to comply with and be bound by these terms and conditions which, together with our privacy policy, governs our relationship with you regarding the use of our Website.

ACCESS


You will be able to access parts of the Website without having to register any details with us.

You are responsible for making all arrangements necessary for you to have access to our Website. You are also responsible for ensuring that all persons who access our Website through your internet connection are aware of these terms, and that they comply with them.

We make reasonable efforts to ensure that this Website is available to view and use 24 hours a day throughout each year however, this is not guaranteed. The Website may be temporarily unavailable at any time because of: server or systems failure or other technical issues; reasons that are beyond our control; required updating, maintenance or repair.

Where possible we will try to give you advance warning of maintenance issues but shall not be obliged to do so.

 

INTELLECTUAL PROPERTY


The content of the Website is protected by copyright (including design copyrights), trademarks, patent, database and other intellectual property rights and similar proprietary rights which include, (without limitation), all rights in materials, works, techniques, computer programs, source codes, data, technical information, trading business brand names, goodwill, service marks utility models, semi-conductor topography rights, the style or presentation of the services, creations, inventions or improvements upon or additions to an invention, confidential information, know-how and any research effort relating to Sunbridge Online Merchants Limited’s moral rights and any similar rights in any country (whether registered or unregistered and including applications for and the right to apply for them in any part of the world).

You acknowledge that the intellectual property rights in the material and content supplied as part of the Website shall remain with us or our licensors.

You may download or copy the content and other downloadable items displayed on the Website subject to the condition that the material may only be used for personal non-commercial purposes. Copying or storing the contents of the Website for other than personal use is expressly prohibited.

You may retrieve and display the content of the Website on a computer screen, store such content in electronic form on disk (but not any server or other storage device connected to a network) or print one copy of such content for your own personal, non-commercial use, provided you keep intact all and any copyright and proprietary notices.

You may not otherwise reproduce, modify, copy or distribute or use for commercial purposes any of the materials or content on the Website.

You acknowledge that any other use of the material and content of this Website is strictly prohibited and you agree not to (and agree not to assist or facilitate any third party to) copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works from such material and content.

No licence is granted to you to use any of our trademarks or those of our affiliated companies.

 

DISCLAIMER


It shall be your responsibility to ensure that any products, services or information available through the Website meet your specific requirements.

We will not be liable to you if the Website is unavailable at any time.

We attempt to ensure that the information available on the Website at any time is accurate. However, we do not guarantee the accuracy or completeness of material on this Website. We use all reasonable endeavours to correct errors and omissions as quickly as practicable after becoming aware or being notified of them. We make no commitment to ensure that such material is correct or up to date.

All drawings, images, descriptive matter and specifications on the Website are for the sole purpose of giving an approximate description for your general information only and should be used only as a guide.

The Website is provided on an ‘as is’ and ‘as available’ basis without any representation or endorsement made and we make no warranties or guarantees, whether express or implied, statutory or otherwise (unless otherwise expressly stated in these terms and conditions or required by law) in relation to the information, materials, content or services found or offered on the Website for any particular purpose or any transaction that may be conducted on or through the Website including but not limited to, implied warranties of non-infringement, compatibility, timeliness, performance, security, accuracy, condition or completeness, or any implied warranty arising from course of dealing or usage or trade custom.

We make no representation or warranty of any kind express or implied statutory or otherwise regarding the availability of the Website or that it will be timely or error-free, that defects will be corrected, or that the Website or the server that makes it available are free of viruses or bugs.

We will not be responsible or liable to you for any loss of content or material uploaded or transmitted through the Website and we accept no liability of any kind for any loss or damage from action taken in reliance on material or information contained on the Website.

We cannot guarantee and cannot be responsible for the security or privacy of the Website and any information provided by you.

You must bear the risk associated with the use of the internet. In particular, we will not be liable for any damage or loss caused by a distributed denial-of-service (DoS) attack, any viruses, Trojans, worms, logic bombs, keystroke loggers, spyware, adware or other material which is malicious or technologically harmful that may infect your computer, mobile device, peripheral computer equipment, computer programs, data or other proprietary material as a result of your use of the Website or you downloading any material posted or sold on the Website or from any website linked to it.

We reserve the right to disclose such information to law enforcement authorities as we reasonably feel is necessary should you breach this agreement.

 

USE OF THE WEBSITE


You are permitted to use the Website and the material contained in it only as expressly authorised by us and in accordance with these terms and conditions, as may be amended from time to time without notice to you.

We provide access and use of the Website on the basis that we exclude all representations, warranties and conditions to the maximum extent permitted by law.

We reserve the right to: -

Make changes to the information or materials on this Website at any time and without notice to you.

Temporarily or permanently change, suspend or discontinue any aspect of the Website, including the availability of any features, information, database or content or restrict access to parts of or the entire Website without notice or liability to you or any third party.

Refuse to post material on the Website or to remove material already posted on the Website

 

You may not use the Website for any of the following purposes:

 

In addition, you must not:-

Knowingly introduce viruses, trojans, worms, logic bombs, keystroke loggers, spyware, adware or other material which is malicious or technologically harmful to the Website

 

A breach of this clause may be a criminal offence under the laws of Kenya. We may report any such breach to the relevant law enforcement authorities and disclose your identity to them. In the event of such a breach, your right to use the Website will cease immediately.

 

LINKING TO THE WEBSITE


You must NOT create a link to the Website from another website, document or any other source without first obtaining our prior written consent.

Any agreed link must be:

To the Website’s homepage

 

EXTERNAL LINKS


To provide increased value and convenience to our users, we may provide links to other websites or resources for you to access at your sole discretion and risk. You acknowledge and agree that, as you have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and do not review or endorse and are not responsible or liable in any way, whether directly or indirectly, for:

The privacy practices of such websites

The content of such websites, including (without limitation) any advertising, content, products or other materials or services on or available from such websites or resources

The use which others make of these websites

Any damage, loss or offence caused or alleged to be caused to you, arising from or in connection with the use of or reliance upon any such advertising, content, products, materials or services available on and/or purchased by you from such external websites or resources.

COOKIES

We use cookies to help us analyse traffic on our site and customer behaviour. Cookies may also be used by our partners to understand marketing and traffic patterns. During the course of any visit to our Website, the pages you see, along with a cookie, are downloaded to your computer. Any information that is supplied by cookies can help us to provide you with a better service and assists us in analysing the profile of our visitors.

Most web browsers automatically accept cookies, but normally you can alter your browser settings to prevent automatic acceptance, if you prefer. If you opt not to receive our cookies, we cannot guarantee that your experience with our website will be as quick or responsive as if you do receive cookies.

We do not store passwords or any other information about a visitor in a cookie that could identify them, their location, their preferences or their financial activity.

 

LIMITATION OF LIABILITY AND INDEMNITY

Notwithstanding any other provision in these terms and conditions, nothing will affect or limit your statutory rights;

or will exclude or limit our liability for:

We will not be liable, in contract or tort (including, without limitation, negligence), or in respect of pre-contract or other representations (other than fraudulent or negligent misrepresentations) or otherwise for the below mentioned losses which you have suffered or incurred arising out of or in connection with the provision of any matter in these terms and conditions even if such losses are foreseeable or result from a deliberate breach by us or as a result of any action we have taken in response to your breach:

 You agree to fully indemnify, defend and hold us, and our officers, directors, employees, partners and suppliers harmless immediately on demand, from and against all claims, including but not limited to losses (including loss of profit, revenue, goodwill or reputation), costs and expenses, including reasonable administrative and legal costs, arising out of any breach of these terms and conditions by you, or any other liabilities arising out of your use of this Website or any other person accessing the Website using your personal information with your authority.

This clause does not affect your statutory rights as a consumer.

 

GENERAL

We reserve the right to change the domain address of this Website and any services, products, product prices, product specifications and availability at any time.

If any provision of these terms and conditions is held by any competent authority to be invalid or unenforceable in whole or in part, the validity of the other provisions in these terms and conditions and the remainder of the provision in question will not be affected.

All Contracts are concluded and available in English only.

If we fail, at any time to insist upon strict performance of any of your obligations under these terms and conditions, or if we fail to exercise any of the rights or remedies to which we are entitled under these terms and conditions, it shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with your obligations.

A waiver by us of any default shall not constitute a waiver of any subsequent default.

No waiver by us of any of these terms and conditions shall be effective unless it is expressly stated to be a waiver and is communicated to you in writing.

 

GOVERNING LAW AND JURISDICTION

The Website is controlled and operated in the Republic of Kenya.

These terms and conditions will be governed by the laws of Republic of Kenya and you irrevocably agree to submit to the exclusive jurisdiction of the courts of the Republic of Kenya.

 

Kopalink is a registered trademark and copyright of Sunbridge Online Merchants Limited.

Kopalink.co.ke is part of The Sunbridge Online Merchants (Company Registration Number PVT-PJUV9VM).

The information contained within this website is subject to the Kenya regulatory regime, and is therefore targeted at consumers based in Kenya only.

 

For enquiries please contact us on

 

Tel. +254 (20)-2000188 | email info@kopalink.co.ke |

Twitter @kopalink  

Facebook @kopalink

Instagram @koplalink

 

 

Effective Date

December 25th December, 2019