Regulatory Disclosures

Regulatory Overview

Kaelo Global operates through entities in three jurisdictions: Dubai (Meydan Free Zone), Singapore, and Seychelles. Each entity operates within the scope of its applicable registration. For activities requiring specific financial services licensing, we work through licensed partners in each jurisdiction. This page provides mandatory regulatory disclosures and information about our regulatory status in each jurisdiction.

The nature and scope of services available from each Kaelo Global entity may differ depending on the regulatory permissions and licensing conditions applicable in each jurisdiction. Clients and prospective clients should note that a service described on this website may be available only through specific Kaelo Global entities and only to persons who meet the eligibility criteria defined by the applicable regulatory framework. We encourage all clients to confirm the regulatory status and applicable protections before engaging with any Kaelo Global entity.

Dubai — Advisory Practice Status

Kaelo Global Limited is incorporated in Dubai (Meydan Free Zone) and is registered in Meydan Free Zone, Dubai. Kaelo Global operates as a strategic advisory and management consulting firm. For activities requiring specific financial services regulatory authorisation, we work through licensed partners in each jurisdiction who hold the appropriate regulatory permissions. This partner model enables comprehensive advisory coverage while maintaining regulatory clarity.

Kaelo Global maintains the highest standards of professional conduct across all operations. While we are not a regulated financial services firm, we voluntarily comply with anti-money laundering and counter-terrorism financing best practices, maintain professional indemnity insurance, and operate internal compliance and ethics frameworks aligned with international standards. Our partner firms in each jurisdiction hold the relevant regulatory licences and are supervised by their respective regulators.

All advisory engagements are documented through formal engagement letters that specify the scope of services, the responsible Kaelo entity, and — where applicable — the licensed partner through whom regulated activities are conducted. Clients should note that Kaelo Global itself does not hold financial services licences and does not provide regulated financial advice, fund management, securities dealing, or insurance services directly. These services, where required, are provided through our licensed partner network.

Singapore — Advisory Practice Status

Kaelo Global's Singapore operations are conducted through a locally incorporated entity. The entity's regulatory status with the Monetary Authority of Singapore (MAS) is determined by the nature of the activities conducted and the applicable exemptions under Singapore's regulatory framework. The firm operates within the scope of its applicable registrations and exemptions as defined by the Securities and Futures Act, the Financial Advisers Act, and related regulations.

The MAS is Singapore's central bank and integrated financial regulator, responsible for the supervision of all financial institutions in Singapore. Our Singapore entity complies with MAS guidelines on anti-money laundering and countering the financing of terrorism, technology risk management, and business conduct. Services provided through our Singapore entity are subject to the regulatory protections available under Singapore law, the scope of which depends on the nature of the service and the client's classification under MAS rules. Prospective clients should verify the regulatory status of our Singapore entity through the MAS Financial Institutions Directory at mas.gov.sg.

Seychelles — FSA Regulatory Status

Kaelo Global's Seychelles operations are conducted through an entity incorporated in the Republic of Seychelles. The entity operates under the regulatory framework administered by the Financial Services Authority (FSA) of Seychelles, pursuant to the applicable provisions of the Securities Industry Act (SIBA), the International Business Companies Act, and related legislation.

The Seychelles financial services is the regulatory authority responsible for the licensing, regulation, and supervision of non-bank financial services in the Seychelles. Our Seychelles entity operates within the scope of its applicable licence and complies with FSA requirements including anti-money laundering and counter-terrorism financing regulations, fit and proper requirements for directors and officers, and periodic reporting obligations. The regulatory protections available to clients engaging with our Seychelles entity are defined by Seychelles law and may differ from the protections available in the Dubai or Singapore.

Complaints Procedure

Kaelo Global maintains a formal complaints handling procedure that applies across all jurisdictions of operation. If you are dissatisfied with any aspect of the services provided by Kaelo Global, you may submit a complaint through the following channels: by email to complaints@kaeloglobal.com; or by post to the Compliance Department at the registered address of the Kaelo Global entity with which you have engaged.

Upon receipt of a complaint, we will: acknowledge the complaint within five business days; assign a senior officer who is independent of the subject matter of the complaint to investigate; conduct a thorough and impartial investigation; provide a substantive written response within twenty business days of receipt, or, if the investigation requires additional time, notify you of the expected timeline and the reasons for the extension; and maintain a complete record of the complaint and its resolution.

If you are not satisfied with our response, you may refer the matter to the relevant regulatory authority. For complaints relating to our Dubai entity, you may contact the DFSA at dfsa.ae. For complaints relating to our Singapore entity, you may contact the MAS at mas.gov.sg. For complaints relating to our Seychelles entity, you may contact the Seychelles financial services at fsaseychelles.sc. Your statutory rights are not affected by this complaints procedure.

Compensation and Investor Protection Schemes

The availability of compensation or investor protection schemes varies by jurisdiction. In the DIFC, the DFSA does not currently operate an investor compensation scheme comparable to those available in certain other jurisdictions (such as the UK Financial Services Compensation Scheme). Accordingly, clients of our Dubai entity do not have access to a statutory compensation scheme in the event that the firm is unable to meet its obligations.

Similarly, the regulatory frameworks in Singapore and Seychelles may not provide investor compensation schemes applicable to the services offered by our entities in those jurisdictions. Clients should satisfy themselves as to the protections available under the applicable regulatory framework before engaging with any Kaelo Global entity. We maintain professional indemnity insurance at levels appropriate to our business activities and regulatory requirements in each jurisdiction.

Anti-Money Laundering and Counter-Terrorism Financing

Kaelo Global maintains comprehensive AML/CTF policies, procedures, and controls across all jurisdictions of operation. We are committed to full compliance with applicable AML/CTF requirements in each jurisdiction of operation, and the Financial Action Task Force (FATF) Recommendations. Our AML/CTF programme includes customer due diligence and know-your-customer procedures, ongoing monitoring of client relationships and transactions, sanctions screening against all applicable sanctions lists (including UN, EU, US OFAC, and UAE sanctions), suspicious transaction reporting to the relevant Financial Intelligence Unit in each jurisdiction, and regular independent testing and audit of our AML/CTF controls. Our Money Laundering Reporting Officer (MLRO) is responsible for the oversight and governance of the AML/CTF programme and reports directly to the Board.

Contact

For regulatory enquiries or to request information about our regulatory status in any jurisdiction, please contact our Compliance Department at compliance@kaeloglobal.com or by post to: Kaelo Global Limited, Dubai, Dubai, United Arab Emirates.