Effective Date: 5th March, 2026

1. Introduction

Welcome to KBS Insights (“we,” “our,” “us”).

These Terms of Service (“Terms”) govern your access to and use of our website and services available at KBS Insights.

By accessing or using the website, you agree to be bound by these Terms.

If you do not agree with these Terms, you should not use the website.

2. Nature of Service

KBS Insights provides:

Financial market insights
Investment research and commentary
Educational content related to financial markets
AI-assisted financial analysis
Portfolio tracking tools (if applicable)

Important

KBS Insights does NOT:

Accept or manage investments
Act as a broker or dealer
Provide personalized financial advice
Execute trades on behalf of users

All information on the platform is provided for informational and educational purposes only.

3. No Financial Advice

The information provided on this website does not constitute financial, investment, legal, or tax advice.

Before making any investment decisions, users should consult:

A licensed financial advisor
A professional investment manager
A qualified legal or tax professional

Users acknowledge that all investment decisions are made at their own risk.

4. Investment Risk Disclosure

Investing in financial markets involves significant risks, including:

Loss of capital
Market volatility
Economic changes
Regulatory risks

Past performance does not guarantee future results.

KBS Insights shall not be liable for any financial losses resulting from reliance on information published on the platform.

5. User Responsibilities

Users agree to:

Use the website only for lawful purposes
Not misuse, copy, or redistribute proprietary content
Not attempt to disrupt or compromise the website's functionality

Users must also ensure that any information they provide is accurate and up to date.

6. Intellectual Property

All content on the website including:

Articles
Analysis
AI insights
Graphics
Logos
Design elements

are the intellectual property of KBS Insights unless otherwise stated.

Users may not reproduce or distribute this content without written permission.

7. Third-Party Links

The website may contain links to third-party platforms such as:

Financial institutions
Investment platforms
Research tools

KBS Insights does not control or endorse these third-party services and is not responsible for their content, services, or policies.

8. Limitation of Liability

To the fullest extent permitted by law, KBS Insights shall not be liable for:

Financial losses
Investment decisions made by users
Inaccuracies in market data
Service interruptions
Technical errors

Users agree that use of the platform is at their own risk.

9. Changes to the Service

We reserve the right to:

Modify the website
Introduce new features
Discontinue services

without prior notice.

10. Changes to Terms

These Terms may be updated periodically.

Continued use of the website after updates constitutes acceptance of the revised Terms.

11. Governing Law

These Terms shall be governed by the laws of the Federal Republic of Nigeria.

12. Contact

For questions regarding these Terms:

Email: [email protected]