Terms and Conditions

1. Introduction

Welcome to the Pipevest website ("Site"), operated by Pipevest Investment Services Limited ("Pipevest", "we", "us", or "our"). By accessing or using this Site, you acknowledge that you have read, understood, and agreed to comply with these Terms and Conditions ("Terms"). If you do not agree, please discontinue use of the Site immediately.

2. Binding Agreement

These Terms form a legally binding agreement between you and Pipevest. Continued use of the Site indicates your acceptance of these Terms, including any modifications we may make periodically.

3. Definitions

Terms used herein shall have the following meanings:

• "User" refers to any individual accessing this website.
• "Services" means the online information, or digital content provided through Pipevest.com.
• "Content" includes text, images, data, software, and other materials displayed on this Site.

4. Permitted Use

Use of this Site is granted for lawful purposes only, including browsing information, subscribing to updates, or engaging with Pipevest's services. Access does not convey ownership or title of the Site's content.

5. Prohibited Use

Users shall not:

• Use the Site for unlawful, abusive, or defamatory activities.
• Attempt to disrupt or hack the Site's servers or databases.
• Copy, reproduce, sell, or distribute Site content without prior written authorization.
• Misrepresent identity or provide false registration data.
• Engage in web scraping or automated data collection.

6. User Accounts

Certain Services require user registration. If provided with login details to Pipevest's platform you agree to provide accurate, up-to-date information and maintain the confidentiality of your login credentials. Pipevest reserves the right to suspend or terminate accounts violating these Terms.

7. Intellectual Property

All material on this Site, including logos, software, and designs, is the property of Pipevest or its licensors. Unauthorized reproduction, modification, or distribution is strictly prohibited and may constitute infringement under national copyright law.

8. Privacy and Data Protection

Pipevest manages personal data in compliance with Zambia's Data Protection Act, 2021. Data may be collected for communication, analytics, and service improvement purposes. Users may request data access, correction, or deletion consistent with this Act. See our separate Privacy Policy for details.

9. Electronic Communications

By using the Site, you consent to receive communications from Pipevest electronically, including via email or other digital means. Such communications satisfy any legal requirement for written correspondence under the Electronic Communications and Transactions Act, 2021.

10. Consumer Protection

Pipevest adheres to the Competition and Consumer Protection Act and the Electronic Communications and Transactions Act, 2021 regarding fairness, disclosure, and redress in online transactions. Users will receive clear pre-contractual information and may exercise applicable rights such as withdrawal or complaint.

11. Third-Party Links

The Site may include hyperlinks to external websites. Pipevest is not responsible for their content, reliability, or data handling practices. Accessing such links is at the user's own risk.

12. Limitation of Liability

Pipevest disclaims liability for any damages arising from:

• Use or inability to use the Site;
• Errors or omissions in content;
• Unauthorised access or alteration of user data.

13. Disclaimer of Warranties

The Site and Services are provided on an "as-is" and "as-available" basis. Pipevest makes no warranties, express or implied, regarding accuracy, availability, or fitness for a particular purpose.

14. Termination

Pipevest may suspend or terminate access for violations of these Terms or for maintenance and legal compliance reasons. Users may terminate this agreement by ceasing to use the Site.

15. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Republic of Zambia. Disputes shall be resolved in Zambian courts, subject to any mandatory arbitration or mediation processes provided under the Arbitration Act.

16. Amendments

Pipevest may modify these Terms at any time. The updated version will be posted on this page and becomes effective upon publication.

17. Contact Information

For questions or complaints regarding these Terms or compliance, contact: