Kaldi will not charge account-based fees and will provide free cashback from retailers. Small charges may apply to balance transfers and there will be account and fund management charges for investing which will be kept as low as possible.

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Kaldi Financial Technology Limited is not and does not purport to be regulated or authorised in the UK by the Financial Conduct Authority for the purposes of the Financial Services and Markets Act 2000 (as amended) and the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (as amended). 

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The Kaldi application is not operational or live and, therefore, there is no infrastructure for recipients to begin any activities on the platform. As such, the information in this communication is indicative only and is purely for informational purposes. The communication is only intended for distribution in the United Kingdom and does not constitute or form an offer of or invitation to subscribe for or recommendation to issue, acquire, sell or arrange any transaction in investment products in any jurisdiction. It does not and is not intended to constitute any form of financial promotion within the meaning of the Financial Services and Markets Act 2000 nor induce recipients to engage in investment activities. This communication nor anything contained herein shall form the basis of any contract or commitment whatsoever.

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This information is for educational purposes only and should not be taken as investment advice, personal recommendation, or an offer of, or solicitation to, buy or sell any financial instruments. This material has been prepared without regard to any particular investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Although the information in this communication is believed to be materially correct as at the date of issue, no representation or warranty is given as to the accuracy of any of the information provided. Furthermore, no representation or warranty is given in respect of the correctness of the information contained herein as at any future date. Certain information included in this communication may be based on information obtained from third party sources considered to be reliable. As such, any projections or analysis should not be viewed as factual and should not be relied upon as an accurate prediction of future results.

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The distribution of this communication in other jurisdictions other than the United Kingdom may be restricted by law and, accordingly recipients of this communication represent that they are able to receive this communication without contravention of any legal, registration or regulatory requirements in the jurisdiction in which they reside. Recipients of the communication outside the United Kingdom should inform themselves about and observe any applicable legal restrictions in this jurisdiction which may relevant to the Communication and recognise that Kaldi Financial Technology Limited accepts no responsibility for contravention of any legal restrictions in such jurisdiction. 

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COMPETITION TERMS & CONDITIONS

Introduction

By participating in the competition, you are agreeing to these competition terms and conditions. The competition is being run by Kaldi Financial Technology Limited.

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Eligibility to Enter

The competition is open to all those over 18 years of age and who are resident in the UK and have signed up for the Kaldi waiting list and completed any necessary subsequent steps which will be clearly communicated to entrants.  Kaldi Financial Technology Limited employees and associates are excluded from the draw.

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By entering the competition, you confirm that you are eligible to do so and that you are eligible to receive any prize that may be awarded to you. 

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There is a limit of one entry per person, based on a Kaldi account being opened once Kaldi Financial Technology Limited has launched.  

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All multiple entries will automatically be excluded from participation in the draw.  

Entry to the competition is free.

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The Prize

The prize being awarded is dependent on Kaldi Financial Technology Limited successfully launching its business and on entrants opening a Kaldi account.

The winning prize will be cash of either £10, £100 or £1000. There are limited prizes of each cash amount. 1000 times £10 cash prizes, 100 times £100 cash prizes and 1 times £1000 cash prize.  

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The prize is non-transferable and non-exchangeable, and no non-cash alternatives will be provided.

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We reserve the right to substitute prizes of equal or greater value if circumstances beyond our control require us to do so.

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Kaldi Financial Technology Limited's decision on any aspect of the competition is final and binding, and no correspondence will be entered into in respect of these terms.

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Winner Announcement

The winner will be chosen at random and notified via the email address provided on two calendar months after Kaldi Financial Technology Limited launches. The delay from launch before the prize draw is to allow competition entrants to sign up to the full Kaldi account.

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Kaldi Financial Technology Limited will make two attempts to contact the winner via email.

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If the winner does not respond to the emails informing them of their win within 14 days of the second email, they forfeit their right to the prize, and Kaldi Financial Technology Limited reserves the right to select and notify a new winner.

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Delivery of the Prize

The winner will allow 14 days for the prize to be delivered, otherwise alternative collection or delivery arrangements can be made through mutual agreement.

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Data Protection and Publicity

You agree that any personal information that you provide when entering the competition will be used by Kaldi Financial Technology Limited for the purposes of administering the competition and for the other purposes as specified in our Privacy Policy.

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All entrants may request information on the winning participant by emailing social@kaldiapp.co.uk

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If requested by Kaldi Financial Technology Limited, the winner agrees to release their first name and place of employment to any other competition participants.

The winner's first name will be announced on Kaldi Financial Technology Limited's website and social media channels.

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Limitation of Liability

Kaldi Financial Technology Limited accepts no liability for any damage, loss, injury, or disappointment arising from participation in the competition or being selected for a prize.

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Kaldi Financial Technology Limited reserves the right, at any time and without prior notice, to cancel the competition or amend these terms and conditions.

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