Website Terms of Service

1. Acceptance of Terms

Welcome to the Valr Capital corporate website (www.valrcapital.co). These Terms of Service ("Terms") govern your access to and use of our public-facing website, including any content, functionality, and informational resources offered on or through the site.

By accessing or using this website, you agree to be bound by these Terms and our accompanying Website Privacy Policy. If you do not agree to these Terms, you must not access or use our website.

2. B2B Services Disclaimer

The information provided on this website is for general informational purposes regarding Valr Capital's enterprise capabilities.

• No Contractual Offer: Nothing on this website constitutes a binding offer to perform services.
• Governing Agreements: The actual provision of Valr Capital's pre-lending, analytical, and remediation/recovery services to enterprise clients is governed entirely by separately executed Master Service Agreements (MSAs), Data Processing Addendums (DPAs), and Service Level Agreements (SLAs). In the event of any conflict between these Website Terms and a signed MSA, the terms of the MSA shall strictly prevail.
• Client Portal Access: If you are an existing Valr Capital client accessing our secure client portal through a link on this website, your access and use of that portal are governed by your institution's specific MSA and security protocols.

3. Intellectual Property Rights

The Valr Capital website and its entire contents, features, and functionality—including but not limited to all information, software, text, displays, whitepapers, analytical methodologies, branding, logos, video, and audio—are owned by Valr Capital, its licensors, or other providers of such material.

These assets are protected by Kenyan and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You are permitted to use the website for legitimate business purposes (e.g., evaluating Valr Capital's services). You must not reproduce, distribute, modify, create derivative works of, publicly display, or scrape any of the material on our website without our prior written consent.

4. Prohibited Conduct

By using this website, you agree that you will not:

• Use the website in any way that violates any applicable local or international law or regulation (including the Kenya Data Protection Act and GDPR).
• Engage in any unauthorized web scraping, data mining, data extraction, or automated crawling of this website.
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the website, the server on which the website is stored, or any server, computer, or database connected to the website.
• Introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
• Use the website to transmit any unsolicited promotional material, "junk mail," "spam," or false legal threats.

5. Third-Party Links

If the website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. Valr Capital has no control over the contents of those sites or resources and accepts no responsibility for them or for any loss or damage that may arise from your use of them.

6. Disclaimer of Warranties

Your use of the website and its content is at your own risk. The website and its content are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. Valr Capital disclaims all warranties, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the website will be secure, error-free, or uninterrupted.

7. Limitation of Liability

To the fullest extent provided by law, in no event will Valr Capital, its affiliates, or their licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the website, including any direct, indirect, special, incidental, consequential, or punitive damages, even if foreseeable.

8. Indemnification

You agree to defend, indemnify, and hold harmless Valr Capital, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your unauthorized use of the website.

9. Governing Law and Jurisdiction

All matters relating to the website and these Terms, and any dispute or claim arising therefrom or related thereto, shall be governed by and construed in accordance with the internal laws of the Republic of Kenya, without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of, or related to, these Terms or the website shall be instituted exclusively in the courts of Kenya.

10. Changes to the Terms of Service

Valr Capital reserves the right to revise and update these Terms from time to time at our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the website thereafter. Your continued use of the website following the posting of revised Terms means that you accept and agree to the changes.

11. Contact Information

If you have any questions, concerns, or legal inquiries regarding these Terms of Service, please contact our legal team at: