1. The platform
Valr Capital Limited (“Valr”, “we”, “us”) provides authorised organisations (“Customer”, “you”) with access to Unbrdn, a hosted lending intelligence platform supporting portfolio analysis, origination, post-lending monitoring, collections, marketplace, and related modules. Available modules depend on the Customer's active subscription and configuration.
2. Accounts and authority
- Customer is responsible for its users, their permissions, and the confidentiality of authentication credentials.
- A person accepting these Terms for a Customer represents that they have authority to bind that organisation.
- Valr may suspend access for a security threat, material breach, overdue fees, or regulatory direction.
3. Customer data and connected services
Customer retains its rights in Customer Data. Customer authorises Valr to process Customer Data only to provide, secure, support, and improve the contracted service, subject to the applicable Data Processing Addendum. Customer is responsible for ensuring it has authority to upload data or connect third-party services such as Google Drive, core-banking systems, bureaus, and file stores.
4. Acceptable use
- Do not use Unbrdn unlawfully, infringe third-party rights, facilitate discrimination or predatory lending, or bypass regulatory obligations.
- Do not attempt to access another tenant's data, compromise the platform, reverse-engineer protected components, or evade quotas and access controls.
- Customer remains responsible for compliance with lending, consumer-protection, KYC/AML, collections, bureau, privacy, and record-keeping obligations.
5. AI-assisted features
Unbrdn may provide AI-assisted extraction, analysis, scoring, recommendations, and drafted communications. These are decision-support outputs, not autonomous regulated credit decisions. Customer remains responsible for human review and every credit, collections, or marketplace action.
6. Fees, availability, and support
Fees, usage allowances, service levels, and support commitments are governed by the active order form or subscription plan. Scheduled maintenance and material incidents will be communicated through appropriate service channels.
7. Confidentiality and data protection
Each party will protect the other's confidential information. Personal data is processed under the applicable Data Processing Addendum and our Privacy Policy. Customer-specific security, residency, and processor commitments in an executed agreement take precedence over general website descriptions.
8. Term and termination
- These Terms apply for the active subscription term and renew as stated in the order form.
- Either party may terminate for a material breach that remains uncured after thirty days' written notice, unless a shorter period is legally required.
- After termination, Customer may export data during the period stated in its agreement, after which data is handled under the Data Processing Addendum and applicable retention duties.
9. Liability
To the extent permitted by law, each party's aggregate liability is limited to fees paid in the preceding twelve months, and neither party is liable for indirect or consequential loss. Limits do not apply where they cannot legally apply or to confidentiality breaches, data-protection liabilities, fraud, or wilful misconduct as provided in the Customer's agreement.
10. Governing law and changes
These Terms are governed by the laws of the Republic of Kenya and the parties submit to Kenyan courts, without limiting a party's right to seek urgent relief. We may update these Terms and will publish the current version here; material changes will receive additional notice where required.
11. Contact
Valr Capital Limited, 10th Floor ABC Place, P.O. Box 1184, 00606 Nairobi, Kenya. Email: help@unbrdncapital.co.