What is VALR Capital?

VALR Capital is a credit risk management company that helps lenders, impact funds, and debt funds protect their SME portfolios using AI-powered credit intelligence solutions. VALR Capital is not affiliated with VALR.com or any cryptocurrency exchange - we specialize exclusively in SME lending and credit risk management.

Is VALR Capital related to VALR cryptocurrency exchange?

No. VALR Capital (valrcapital.co) is a completely separate company from VALR.com. VALR Capital specializes in AI-powered credit risk management for SME lenders in Africa. We have no connection to cryptocurrency, blockchain, or digital asset trading.

UNBRDN is VALR Capital's AI-powered Risk OS (Operating System) that provides credit scoring, portfolio monitoring, early warning alerts, and rehabilitation tools for SME lenders.

What regions does VALR Capital serve?

VALR Capital primarily serves lenders and financial institutions across Sub-Saharan Africa, including Kenya, Nigeria, South Africa, and other emerging markets.

Who can use VALR Capital's services?

Our services are designed for Microfinance Institutions (MFIs), Impact Funds, Debt Funds, Development Finance Institutions (DFIs), and Banks with SME lending portfolios.

Privacy Policy | VALR Capital

1. Introduction

Welcome to Valr Capital. We respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how Valr Capital ("we," "us," or "our") collects, uses, and safeguards the personal data of visitors to our website, prospective B2B clients, and business partners.

This policy is designed to comply with the Kenya Data Protection Act, 2019 (KDPA) and the General Data Protection Regulation (GDPR).

Important Notice for Consumers / Borrowers:

Valr Capital provides pre-lending analytics, portfolio optimization, and recoveries/rehabilitation management services on behalf of financial institutions (Banks, Fintechs, and Lenders). When we process loan or recoveries/rehabilitation data, we act strictly as a Data Processor. If you are a borrower and have questions about your loan, or wish to exercise your data rights regarding a debt, you must contact your lending institution directly.

2. Information We Collect

When you visit our website or interact with us as a prospective client, we act as a Data Controller and may collect the following types of information:

Information You Provide to Us:

Contact Information: Name, email address, phone number, and company name when you fill out a "Contact Us" form, request a demo, or subscribe to our newsletter.
Communications: Records of your correspondence with our sales or support teams via email or website chat.

Information We Collect Automatically:

Technical Data: Internet Protocol (IP) address, browser type and version, time zone setting, operating system, and platform.
Usage Data: Information about how you use our website, pages viewed, links clicked, and the duration of your visit (collected via cookies and analytics tools).

3. How We Use Your Information and Legal Basis

We will only use your personal data when the law allows us to. We process your data for the following purposes and legal bases:

To Respond to Inquiries: To reply to your contact form submissions or demo requests. (Legal Basis: Performance of a contract / Pre-contractual steps).
For B2B Marketing: To send you industry insights, company updates, or promotional materials regarding Valr Capital's services. (Legal Basis: Your Consent or our Legitimate Interest in growing our business. You can opt out at any time).
To Improve Our Website: To analyze web traffic and optimize our site's performance and user experience. (Legal Basis: Legitimate Interest).
Security and Fraud Prevention: To monitor our website for suspicious activity and protect our IT infrastructure. (Legal Basis: Legitimate Interest / Legal Obligation).

4. How We Share Your Information

We do not sell, rent, or trade your personal data. We may share your data with trusted third parties strictly to operate our website and business, including:

Service Providers: Cloud hosting providers, Customer Relationship Management (CRM) platforms (e.g., Salesforce, HubSpot), and website analytics providers (e.g., Google Analytics).
Legal and Regulatory Authorities: If required by law, court order, or to protect the rights, property, or safety of Valr Capital, our clients, or others.

All third-party service providers are bound by strict confidentiality and data protection agreements.

5. Cookies and Tracking Technologies

Our website uses cookies to distinguish you from other users, provide a better browsing experience, and analyze site traffic.

Essential Cookies: Required for the website to function securely.
Analytics Cookies: Help us understand how visitors interact with the site.

You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies.

6. Cross-Border Data Transfers

Valr Capital is headquartered in Kenya (A subsidiary of Valor Capital Inc., Delaware). However, some of our website infrastructure or CRM tools may be hosted on servers located outside of Kenya (e.g., in the EU or the US).

Whenever we transfer your personal data out of Kenya, we ensure a similar degree of protection is afforded to it by utilizing legally approved transfer mechanisms, such as Standard Contractual Clauses (SCCs).

7. Data Security and Retention

We have implemented appropriate security measures (including encryption, firewalls, and access controls) to prevent your personal data from being accidentally lost, used, or accessed in an unauthorized way.

We will only retain your website-related personal data for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

8. Your Data Protection Rights

Under the KDPA and GDPR, you have rights regarding the personal data we hold about you as a Data Controller:

Right to Access: Request a copy of your personal data.
Right to Rectification: Request correction of incomplete or inaccurate data.
Right to Erasure (Right to be Forgotten): Request deletion of your data where there is no good reason for us continuing to process it.
Right to Object: Object to processing where we are relying on a legitimate interest or for direct marketing.
Right to Restriction: Ask us to suspend the processing of your data.

To exercise any of these rights regarding data collected via this website, please contact us using the details below.

9. Contact Us

If you have any questions about this Privacy Policy or Valr Capital's privacy practices, please contact our Data Protection Officer (DPO) at:

Email: support@valrcapital.co (with the subject "Data Privacy")

Mailing Address: P.O. Box 1184-00606, Nairobi, Kenya

If you believe your data privacy rights have been violated, you also have the right to lodge a complaint with the Office of the Data Protection Commissioner (ODPC) in Kenya.