Questions, answered plainly

No, but do not take our word for it. Before you deposit anything, check three things: where client money is held, whether a payout returns to the method you paid with, and whether every commission is named before you confirm. All three are answered on this page, and you can hold us to them.

Yes. Client deposits sit separately from company funds with regulated payment partners, so they are never used to run the business. That does not remove market risk, a position can still lose value, and no honest platform will tell you otherwise.

Yes. A payout goes back to the same M-Pesa account or card you deposited with, normally within one business day once identity checks are complete. You do not have to explain why you are withdrawing.

Orders are routed through broker partners operating under CMA-KE and CBK rules. Ask your analyst which licence covers your account before you deposit, any licence can be checked in the public register yourself.

From a commission on completed trades and from paid training, and from nothing else. We take no share of your deposit and we do not earn when a position loses. Every commission is shown before you confirm.

You can open an account and make your first deposit from KSh32,000. Many members add more capital later as their confidence and earnings grow.

Request a withdrawal anytime through your dashboard - funds are sent back to your chosen payment method, typically M-Pesa or bank transfer, within standard processing times.

Your capital is held in segregated accounts with industry-standard security and verification. Like all investing, your money is at risk and can go down as well as up - there are no guaranteed returns.

Most people complete registration in just a few minutes. Once your deposit clears, your analyst will help you set up your first investment strategy straight away.

All costs are transparent and shown to you before you commit to anything. You'll always see exactly what charges apply to your plan - no surprise fees.

You must be at least 18 years old to open and fund an account. We'll ask you to verify your age and identity as part of the standard process.

We accept M-Pesa, bank transfers, major debit and credit cards, and selected e-wallets. The full list of options appears when you're ready to deposit.

Your portfolio will move down during market downturns - that's the nature of investing. Your analyst uses diversification and risk management to help cushion sharp drops, but losses can happen.

Yes. Each member works with a dedicated financial analyst who combines AI-powered market analysis and trading signals with their own judgment. They adjust your asset allocation based on your goals and risk profile.

Returns depend on market conditions, the size of your deposit, your risk profile and timing. There are no guaranteed monthly earnings - some months are up, others are flat or down. Always invest only money you can afford to lose.

HarambeeAI meets all national financial regulations and cybersecurity standards set by CMA-KE and CBK. We use verified identity checks and account protection - but as with any investment, there is always market risk.

You can request a withdrawal at any time from your account statement. Funds typically arrive within 2-3 business days depending on your bank or M-Pesa processing.

We'll ask for a valid ID such as your passport or national identity card, proof of address, and phone number verification. This is standard KYC (Know Your Customer) procedure for all regulated investment platforms.

HarambeeAI is regulated by CMA-KE and CBK and operates as a licensed investment platform in Kenya. That said, all investment involves risk - you can lose money. Read our terms carefully, start small, and never invest more than you're prepared to lose.

Nobody can honestly promise you a fixed monthly figure, because returns move with the market. What HarambeeAI gives you is a profit calculator and a transparent account statement so you always see exactly what your portfolio has earned, rather than a guess dressed up as a guarantee.

You need KSh32,000 (KSh32,000) to open an account, a figure chosen deliberately low so you can start small and add to it as you grow more confident.

Requests are processed on business days and return to the method you deposited with. M-Pesa withdrawals are usually the fastest; bank transfers can take a little longer.

Your portfolio value can fall along with the market, because no AI strategy removes volatility entirely. Diversification across stocks, commodities and crypto helps manage the risk, but it never eliminates it, which is why you should only invest an amount you can afford to see fall in value.

A national ID or passport and a recent proof of address are required before your account can move money. This also stops anyone else opening an account in your name.

Yes. Every account is paired with an analyst who discusses your risk profile and helps shape your asset allocation, though the final decision on every trade stays with you.

Yes. Withdraw your balance and tell support you wish to close the account. There is no cancellation fee and no waiting period beyond the standard withdrawal processing time.

Use the email and password you registered with on the HarambeeAI login page. If you cannot remember your password, a reset link is sent to your registered email within minutes.