Hament may suspend or end your access to the platform at any time, without prior notice, if you breach these Terms, break any law or internal policy (including AML and KYC requirements), provide false or misleading information, or engage in behavior that risks other clients, our systems, or our regulatory standing. If your access is terminated, all rights granted to you under these Terms end immediately.
If your account is closed, all open orders are canceled and any remaining assets are transferred after normal settlement and any regulatory holds either to a verified external account you choose or to a segregated custodian account in your name. You are still responsible for all fees, charges, and taxes incurred before the termination date. Provisions on intellectual property, limits of liability, indemnification, and governing law will continue to apply.
To open and keep a Hament account, you must be at least 18 and legally allowed to invest where you live. You agree to give accurate, current information, complete all KYC and AML checks under the jurisdiction where Hament manages your investment, and keep your login and MFA details secure. If your credentials are compromised, email hello@hamentadvisory.com right away. Any instructions sent with your valid credentials will be treated as authorized by you. We may classify you as Retail, Professional, or Institutional, which can affect product access and required disclosures. If you do not log in for 12 months, we may mark your account inactive and require re-verification before reactivation.
Your access to the Hament platform is a revocable, non-exclusive, non-transferable license for personal use or internal business use to evaluate, execute, and monitor investments. You agree to use the site and any APIs only through the interfaces we provide, to follow the instructions in our user guides, and to comply with all applicable securities laws, exchange rules, and data provider restrictions.
You may not resell, distribute, copy, decompile, disassemble, or reverse engineer any part of the platform, or use it to build competing services. Do not introduce malware, run bots or automated scraping, or attempt to bypass access controls or access other clients’ accounts. Any violation can result in immediate suspension or termination and may expose you to civil or criminal liability under applicable laws.
All trading commissions, custody fees, platform subscriptions, foreign exchange spreads, and other charges will be disclosed in a timely manner and debited in the settlement currency you selected at onboarding (USD by default). Unless stated otherwise, fees accrue when a transaction is executed or a service is provided and are automatically deducted from your available cash balance on the next business day. If your cash balance is insufficient, we may liquidate positions without prior notice to cover outstanding amounts.
Any applicable fees such as management fees, data packages, premium analytics, or managed portfolio mandates are billed monthly in arrears on the last calendar day of each billing period. You authorize Hament or its payment processor to charge the payment method on file, and you are responsible for any bank charges, withholding taxes, or currency conversion costs. If a payment fails, we will notify you by email and may suspend access to the affected services after five business days. Interest of 1% per month, or the maximum rate allowed by law if lower, applies to overdue balances until paid in full.
Hament collects and uses your personal and financial information only to deliver investment services and meet our regulatory obligations. We follow the Tanzania Personal Data Protection Act, the U.S. Gramm-Leach-Bliley Act, British Virgin Islands Data Protection Act, and, where applicable, the EU/UK GDPR.
We protect client data in transit with TLS 1.3 and at rest with AES-256. Data is hosted in tier-one cloud facilities with ISO 27001 and SOC 2 Type II certifications and is accessible only to staff who need it for compliance or servicing, under role-based controls and mandatory MFA.
We do not sell or rent your data. When we use third-party vendors such as custodians, KYC providers, or analytics tools they receive only the minimum information needed and must meet equivalent security and confidentiality standards by contract.
You can request access, correction, or deletion of your data at any time by emailing hello@hamentadvisory.com. We keep records only as long as required by law and our regulatory obligations.
All platform software, source code, algorithms, user interface elements, market data feeds, reports, logos, trademarks, and other content on or generated by the Hament platform (the “Intellectual Property”) are owned by Hament Inc. or its licensors and protected by applicable copyright, trademark, and database laws. You receive a limited, revocable license to access and use this Intellectual Property for personal or internal business purposes in connection with lawful investment activity. You may not reproduce, distribute, modify, reverse engineer, scrape, or create derivative works without our prior written consent. Any unauthorized use ends your license immediately and may result in civil or criminal liability. All goodwill from permitted use of Hament trademarks belongs solely to Hament.
You may cancel any recurring subscription for premium data packages, managed portfolio mandates, or platform add-ons by sending a written request through your secure client portal or by emailing hello@hamentadvisory.com at least three business days before the next billing cycle. Cancellations take effect at the end of the current paid period; no further charges will accrue after that date and access to the cancelled service tier will end. One-time transaction fees already incurred (for example trade commissions or wire charges) are non-refundable, and any outstanding balances must be paid in full before closure. If Hament discontinues a service, we will give at least 30 days’ notice and refund any prepaid, unused portion on a pro rata basis to your default settlement account.
