Terms of service.

1About these terms

These Terms of Service ("Terms") govern your use of imaarabridge.com (the "Site"), your account and client portal, our community, and any advisory services we provide (together, the "Services").

The Site and Services are operated by Imaara Bridge (also trading as Imaara Bridge Africa), a company registered in Rwanda with registered office at Kigali Heights, KG 7 Ave, Kigali, Rwanda, company number 156512016 ("Imaara Bridge", "we", "us", "our").

By using the Site, creating an account, or engaging us, you agree to these Terms. If you do not agree, please do not use the Site or Services.

Please read Section 6 (What "verified" means), Section 9 (No professional advice), and Section 15 (Limitation of liability) carefully — they define the limits of what we promise.

2Definitions

• ·"Client" — a person or entity that has signed an Engagement Letter with us.
• ·"Community Member" — a person with a free account who participates in the community but has no advisory engagement.
• ·"Engagement Letter" — the separate written agreement setting out the scope, fees, and terms of an advisory engagement.
• ·"Opportunity Atlas" — the sector and market information published on the Site.
• ·"Partner" — an independent third-party professional or provider (lawyer, notary, agent, bank, contractor, surveyor, or similar).
• ·"Content" — text, images, data, reports, and materials on the Site or provided through the Services.

3Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts. If you use the Services on behalf of a company or other entity, you confirm you are authorised to bind it, and "you" includes that entity.

You may not use the Services if you are subject to sanctions, or located in a jurisdiction that would make our provision of the Services unlawful.

4Your account

4.1 Registration. Some features — the client portal and community — require an account. You agree to provide accurate, current information and to keep it up to date.

4.2 Security. You are responsible for your credentials and for all activity under your account. Use a strong, unique password, enable two-factor authentication where offered, and tell us immediately at hello@imaarabridge.com if you suspect unauthorised access.

4.3 One account. Accounts are personal to you and may not be shared, sold, or transferred.

4.4 Suspension and termination. We may suspend or close an account that breaches these Terms, is used unlawfully, poses a security or reputational risk, or has been inactive for an extended period. You may close your account at any time in settings; closure does not end obligations under an active Engagement Letter.

5The Services

5.1 What we do. Imaara Bridge provides relocation and settlement support, verified property advisory, business and investment advisory, coordination of legal and compliance partners, and concierge services, in Rwanda and East Africa.

5.2 Enquiries are not engagements. Browsing the Site, submitting a form, booking a consultation, subscribing, or creating an account does not create an advisory engagement and does not oblige us to act for you.

5.3 Engagements. An advisory relationship begins only when we and you sign an Engagement Letter, which sets out scope, deliverables, fees, and terms. If there is any conflict between these Terms and your Engagement Letter, the Engagement Letter prevails for that engagement.

5.4 Acceptance and onboarding. We may decline or discontinue work — for example where identity or source-of-funds checks cannot be satisfactorily completed, where there is a conflict of interest, where instructions are unlawful, or where the requested outcome is not achievable.

5.5 Changes. We may modify, suspend, or discontinue any part of the Site or Services. Where this affects an active engagement, we will tell you and act reasonably.

6What "verified" means — and what it does not

Verification is central to what we do, so we define it precisely.

6.1 What we do. When we describe a property, business, partner, or opportunity as "verified," we mean that, at the time of the check and within the scope agreed with you, we carried out reasonable, documented due-diligence steps appropriate to the matter. These may include title and registry searches, confirmation of ownership and legal status, review of documents and financials, physical site inspection, and screening of counterparties. You receive documentation of the work performed.

6.2 What it is not. Verification is a point-in-time, scope-limited exercise, not a guarantee, warranty, or insurance. Specifically, it does not:

• ·guarantee the accuracy or completeness of information supplied by third parties, registries, or public authorities;
• ·guarantee that circumstances will not change after the check;
• ·guarantee the performance, profitability, condition, or future value of any property, business, or investment;
• ·constitute a valuation, survey, structural report, audit, or legal opinion unless expressly provided as such by a qualified professional; or
• ·protect against fraud, concealment, forgery, or misrepresentation by third parties that reasonable diligence would not have uncovered.

6.3 Your responsibility. You remain responsible for your own decisions. We encourage you to obtain independent legal, tax, financial, and technical advice before committing funds. Where we identify a risk or an unresolved question, we will tell you plainly — and you should treat that seriously.

7Third-party partners

7.1 We coordinate; they perform. Many elements of a relocation, purchase, or investment are carried out by independent Partners. Unless expressly stated in your Engagement Letter, Partners are not our employees, agents, or subcontractors, and they contract directly with you.

7.2 Selection and limits. We select Partners with care and may recommend or introduce them. We are not liable for the acts, omissions, delays, fees, negligence, or misconduct of any Partner, though we will support you in pursuing a remedy and will act reasonably where a Partner we introduced fails.

7.3 Government decisions. Visas, residency permits, registrations, licences, and approvals are granted by government authorities at their discretion. We cannot and do not guarantee any immigration, regulatory, or governmental outcome, or any timeline for it.

8The Opportunity Atlas and Site content

The Opportunity Atlas and other market information are provided for general information and orientation only. Figures are indicative, drawn from public and third-party sources (such as RDB, NISR, and the World Bank), and may be incomplete, dated, or superseded.

Nothing in the Atlas is an offer, solicitation, recommendation, or inducement to acquire any property, business, security, or investment. Sector figures are not projections of your returns. Current, matter-specific figures are verified in a personal brief prepared under an engagement.

9No professional advice

Imaara Bridge is an advisory and coordination firm. We are not a law firm, tax practice, licensed financial adviser, broker-dealer, bank, or investment manager.

Content on the Site and general guidance provided outside a signed engagement does not constitute legal, tax, financial, investment, immigration, or real-estate advice, and must not be relied upon as such. Where regulated advice is required, we coordinate qualified, independent professionals — who are responsible for their own advice.

Investment and property risk. All investment and property acquisition carries risk, including the loss of capital. Past performance and market indicators are not reliable indicators of future results. Currency movements, regulatory change, and market conditions can materially affect outcomes.

10Fees and payment

10.1 Fees. Fees for engagements are set out in your Engagement Letter. Indicative package prices shown on the Site are starting points, exclusive of taxes and third-party costs, and may change; they do not constitute a binding offer.

10.2 Third-party costs. Government fees, legal fees, notary and registry charges, taxes, transfer duties, and Partner costs are additional and payable by you unless expressly stated otherwise.

10.3 Payment. Invoices are payable within [ 14 ] days unless otherwise agreed. We may suspend work on overdue accounts and may charge interest on late payment at [ rate ] as permitted by law.

10.4 Refunds. Consultation and advisory fees pay for time, expertise, and work performed, and are generally non-refundable once the work has begun. Refund terms for packages are set out in the Engagement Letter.

10.5 Payment security. We will never notify a change of our bank details by email alone. Always verify payment instructions by calling us on +250 788 871 929 before transferring funds. We are not liable for losses arising from instructions you act on without verifying them with us directly.

11Your obligations

You agree to:

• ·provide accurate, complete, and timely information and documents;
• ·complete identity, KYC, and source-of-funds checks we or our Partners reasonably require;
• ·comply with all applicable laws, including anti-money-laundering, sanctions, tax, and exchange-control rules in Rwanda and your home jurisdiction;
• ·not use the Services to launder money, evade tax or sanctions, or for any unlawful purpose;
• ·respond within reasonable timeframes, since delays can affect transactions; and
• ·tell us promptly if your circumstances or instructions change.

We may suspend or terminate an engagement immediately, and report where legally required, if we suspect unlawful activity.

12Community rules

The community is a space for people building a future in Rwanda. When participating, you agree not to:

• ·harass, abuse, defame, threaten, or discriminate against anyone;
• ·post unlawful, fraudulent, misleading, or infringing content;
• ·promote unverified investment schemes, solicit members commercially, or spam;
• ·share other members' personal information or private discussions without consent; or
• ·misrepresent your identity or affiliation.

You retain ownership of what you post, but grant us a non-exclusive, royalty-free licence to host, display, and moderate it for the operation of the community. We may remove content and suspend or remove members at our discretion. Content posted by members is theirs, not ours — we do not endorse it and are not responsible for it. Community participation is not advice.

13Intellectual property

13.1 Ours. The Site, the Imaara Bridge name and logo, the Opportunity Atlas, our written materials, reports, methodologies, designs, and all related intellectual property are owned by or licensed to Imaara Bridge and protected by law.

13.2 Your licence. We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to access and use the Site and, as a Client, to use deliverables for your own purposes. You may not copy, republish, resell, scrape, data-mine, or create derivative works from our Content, or use it to train machine-learning models, without our prior written consent.

13.3 Deliverables. Reports and documents prepared for you are for your use in the matter for which they were prepared. Sharing them with third parties who then rely on them is at your risk; we accept no duty of care to third parties.

13.4 Feedback. If you send us suggestions, we may use them freely without obligation.

14Confidentiality

We treat your information as confidential and handle personal data in accordance with our Privacy Policy. We may disclose information where you consent, where necessary to deliver the Services (for example to Partners working on your matter), or where required by law, regulation, or a competent authority.

We ask that you treat our non-public materials, pricing, methodologies, and verification reports as confidential.

15Disclaimers and limitation of liability

15.1 Site provided "as is". The Site and general Content are provided "as is" and "as available". To the fullest extent permitted by law, we exclude all implied warranties. We do not warrant that the Site will be uninterrupted, error-free, or secure.

15.2 What we do not exclude. Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any liability that cannot lawfully be excluded.

15.3 Excluded losses. Subject to 15.2, we are not liable for indirect or consequential loss, loss of profit, revenue, opportunity, anticipated savings, business, goodwill, or data, however arising.

15.4 Cap on liability. Subject to 15.2, our total aggregate liability arising out of or in connection with the Services — whether in contract, tort (including negligence), or otherwise — is limited to the total fees paid by you to Imaara Bridge for the engagement giving rise to the claim in the [ 12 ] months preceding the event. For users with no paid engagement, our total liability is limited to USD [ 100 ].

15.5 Third parties and outcomes. Subject to 15.2, we are not liable for: the acts or omissions of Partners or authorities; the performance, condition, or value of any property, business, or investment; decisions of government bodies; currency movements or market change; or any loss arising from information you provided that was inaccurate or incomplete.

16Indemnity

You agree to indemnify us against claims, losses, and reasonable costs (including legal fees) arising from your breach of these Terms, your unlawful use of the Services, information you provided that was materially inaccurate or misleading, or your infringement of a third party's rights.

17Force majeure

We are not liable for delay or failure caused by events beyond our reasonable control, including natural events, epidemics, war or civil unrest, government action or regulatory change, strikes, failure of utilities, internet or hosting outages, or the acts of third parties.

18Term, suspension, and termination

These Terms apply while you use the Site or hold an account. We may suspend or terminate access immediately for breach, unlawful use, or risk to us or others. Termination does not affect accrued rights, fees due for work performed, or clauses intended to survive — including Sections 6, 9, 13, 14, 15, 16, and 19.

19Governing law and disputes

19.1 Governing law. These Terms and any dispute arising from them are governed by the laws of the Republic of Rwanda, without regard to conflict-of-law rules.

19.2 Good faith first. Before formal proceedings, the parties agree to attempt in good faith to resolve any dispute by discussion — please write to hello@imaarabridge.com setting out the issue.

19.3 Jurisdiction. Unresolved disputes are subject to the exclusive jurisdiction of the competent courts of Rwanda. [ Optional: replace with arbitration in Kigali under the Kigali International Arbitration Centre (KIAC) Rules — recommended for international clients; confirm with counsel. ]

19.4 Claims period. To the extent permitted by law, any claim must be brought within [ 12 ] months of the date you became aware, or ought reasonably to have become aware, of the circumstances giving rise to it.

20General

20.1 Entire agreement. These Terms, the Privacy Policy, and any Engagement Letter form the entire agreement between us on their subject matter.

20.2 Changes. We may update these Terms. The "last updated" date will change, and material changes will be notified by email or a site notice. Continued use constitutes acceptance. The version in force when your Engagement Letter is signed governs that engagement.

20.3 Severability. If a provision is held invalid, the remainder continues in force.

20.4 No waiver. Failure to enforce a provision is not a waiver of it.

20.5 Assignment. You may not assign these Terms without our written consent. We may assign to a successor of our business.

20.6 No third-party rights. No one other than the parties has rights to enforce these Terms.

20.7 Language. These Terms are published in English and French. Both versions are equally authoritative and may be relied upon. In the event of a divergence between them, the two versions will be read together so as to give effect to their common intention.

20.8 Notices. Notices to us: hello@imaarabridge.com and Kigali Heights, KG 7 Ave, Kigali, Rwanda. Notices to you: the email on your account.

21Contact

Imaara Bridge · Kigali Heights, KG 7 Ave, Kigali, Rwanda

hello@imaarabridge.com · +250 788 871 929 · Monday–Friday, 09:00–18:00 CAT