Terms of Use

1. Agreement to these terms

By accessing or using youngtrader.co.ke (the “site”), you agree to these Terms of Use, our Privacy Policy and our Disclaimer. If you do not agree, please do not use the site.

2. Who we are

The site is operated by Paul Ngugi, known as KD, in Naivasha, Kenya. It presents YoungTrader KD, The Strategist Analyst and KD Digital Hub. “We”, “us” and “our” refer to Paul Ngugi.

3. Eligibility

The site is intended for adults aged 18 and over. By using it, you confirm that you are at least 18 years old.

4. Nature of the content

All content is general information for education and research. It is not investment, financial, legal or tax advice, and it does not create an adviser–client relationship. We do not provide trade signals, manage money or offer account management. Full details are in our Disclaimer.

5. Intellectual property

Unless stated otherwise, the content on this site, including text, analysis, reports, graphics, logos and the names and marks YoungTrader KD, The Strategist Analyst and KD Digital Hub, belongs to Paul Ngugi and is protected by law.

You may: view the content for personal, non-commercial use; share links to it; and quote short extracts with clear credit and a link to the original page.

You may not: copy, republish, sell, rebrand or distribute substantial parts of the content, or use our names and logos in a way that suggests endorsement, without our written permission.

6. Acceptable use

When using the site, you agree not to:

• Break any law or encourage anyone else to do so.
• Send spam, false information or harmful, abusive or offensive content through our forms.
• Attempt to gain unauthorised access to the site, its servers or its data, or disrupt its operation.
• Use automated tools to scrape or copy content at scale.
• Impersonate us, or use our names to promote trading schemes, signals or investment offers.

7. Forms and communications

When you contact us, please provide accurate information and do not send sensitive details such as passwords, account numbers or identity documents. Replies to your messages are general in nature and remain subject to our Disclaimer. We may decline to respond to messages that are abusive or outside the scope of our work.

8. Third-party links and platforms

The site links to third-party services such as WhatsApp, Telegram, Instagram, X and the Capital Markets Authority. We do not control those services and are not responsible for their content, availability or practices. Their own terms and privacy policies apply.

9. KD Digital Hub services

Digital services from KD Digital Hub are provided under a separate written proposal agreed with each client. Where that proposal differs from these terms, the proposal prevails for that engagement.

10. Availability and changes

We aim to keep the site available and accurate, but we may change, suspend or remove any part of it at any time without notice. We are not liable if the site is unavailable for any period.

11. Disclaimer of warranties

The site and its content are provided “as is” and “as available”. To the fullest extent permitted by law, we make no warranties, express or implied, about the completeness, accuracy, reliability or suitability of the content for any purpose.

12. Limitation of liability

To the fullest extent permitted by Kenyan law, we are not liable for any loss or damage, whether direct or indirect, including trading or investment losses, loss of profit or loss of data, arising from your use of, or reliance on, the site or its content. Nothing in these terms limits any liability that cannot be limited under Kenyan law.

13. Indemnity

You agree to be responsible for, and to compensate us for, reasonable losses and costs arising from your breach of these terms or your misuse of the site.

14. Privacy

Our Privacy Policy explains how we collect and use personal information, and your rights under the Data Protection Act, 2019 of Kenya.

15. Governing law

These terms are governed by the laws of the Republic of Kenya. Any dispute will be subject to the jurisdiction of the courts of Kenya. We encourage you to contact us first, as most concerns can be resolved quickly and informally.

16. Changes to these terms

We may update these terms from time to time. The effective date at the top of this page shows when they were last revised. Continued use of the site after a change means you accept the updated terms.

17. Contact

Paul Ngugi (KD), YoungTrader KD
Naivasha, Nakuru County, Kenya
Email: info@youngtrader.co.ke