Terms of Service

By accessing our website or engaging our services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.

Service Description

Venture Asset Management provides:

• Investment advisory and portfolio management services
• Financial planning and wealth management
• Market research and investment analysis
• Risk assessment and asset allocation strategies

Fiduciary Duty

As a registered investment advisor, we act as a fiduciary and are committed to acting in your best interests at all times. We will provide investment advice that is suitable for your financial situation, investment objectives, and risk tolerance.

As our client, you agree to:

• Provide accurate and complete financial information
• Notify us promptly of any changes in your financial situation
• Review all account statements and reports carefully
• Pay all fees and charges as agreed
• Comply with all applicable laws and regulations
• Maintain adequate insurance coverage as recommended

You acknowledge that you understand these risks and that investment decisions are made based on your own judgment and risk tolerance.

Advisory Fees

Our fees are clearly disclosed in your Investment Advisory Agreement and may include:

• Asset-based management fees
• Performance-based fees (where applicable)
• Financial planning fees
• Transaction costs and third-party fees

Payment Terms

Fees are typically charged quarterly in advance and automatically deducted from your account. You will receive detailed fee disclosures and have the right to terminate the agreement with appropriate notice.

We maintain strict confidentiality regarding all client information and comply with applicable privacy laws. Client information is only shared as necessary to provide services or as required by law. Please refer to our Privacy Policy for detailed information about data handling practices.

To the maximum extent permitted by law, Venture Asset Management's liability is limited to the amount of advisory fees paid in the 12 months preceding any claim. We are not liable for:

• Market losses or investment performance
• Acts of third parties, including custodians and brokers
• Force majeure events beyond our control
• Consequential or indirect damages

Any disputes arising from our services will be resolved through binding arbitration in accordance with the rules of the Zambian arbitration system. This agreement is governed by the laws of Zambia.

Before initiating formal proceedings, we encourage clients to contact our compliance department to resolve any concerns.

Venture Asset Management is licensed by the Securities and Exchange Commission of Zambia (Licence No. IAL/23/50) and is a member of the Capital Markets Association of Zambia. We operate under strict regulatory oversight and compliance requirements.

All client accounts are subject to regulatory reporting requirements, and we maintain comprehensive records as required by law.

Either party may terminate the advisory relationship with 30 days written notice. Upon termination:

• All outstanding fees will be prorated and settled
• Account assets will be transferred as directed by the client
• All confidential information will continue to be protected
• Final account statements will be provided

We reserve the right to modify these terms at any time. Material changes will be communicated to clients with at least 30 days notice. Continued use of our services after such changes constitutes acceptance of the modified terms.

For questions about these Terms of Service or our compliance procedures, please contact: