TERMS OF SERVICE Dated: 06th October 2022 Version. 1.0
Welcome to Tilly Flow
Thank you for your interest in using Tilly Flow and the products, services and features we make available to you as part of the Service. This Terms of Service (Terms) applies to and regulates the provision of Tilly Flow, a platform engineered by computer algorithms to provide real-time financial analytics results and measurements derived from your borrower’s shared information, including but not limited to updates, upgrades and future developments whether or not provided or created jointly with any third-party input or platforms [collectively the “Service”]. This Service is available to lenders who wish to link their credit decision making to science-driven analysis for better and accurate results.
A borrower is someone who applies for a loan from a lender and shall be referred to as Borrower, you or your for the purpose of this Term. A lender is a business that provides loans to borrowers and shall be referred to as Lender, you, or your for the purpose of these Terms. A consumer is a business that utilizes Tilly Flow to obtain real-time financial insight of Borrowers to aid its decision-making and shall be referred to as “Consumer, you, or your for the purpose of these Terms.
The Service processes personal identifiable information and financial information (Data) shared by Borrowers via the platform or any 3rd party integrated platforms housing such Data (with the prior consent of the Borrower) for financial analytical results to be produced to the Consumer and/or a Borrower. We provide all information about the Service and how to navigate the Service during your onboarding process and the dedicated onboarding process for a Borrower.
The entity providing the Service is Tilly Intelligence Limited, a company operating under the laws of the Federal Republic of Kenya, located at Nairobi (referred to as “Tilly Intelligence”, “we”, “us”, or “our”). For this Service, Tilly Intelligence has several third-party integrations that enable us to connect with platforms warehousing Data and Tilly Intelligence will be depending on the consent of the Consumers utilizing these third-party platforms in accessing the Borrowers’ Data for this Service.
Your use of the Service is subject to these Terms, any technical document or process shared with you (together, the "Agreement").
Please read the Agreement carefully and make sure you understand it. If you do not understand the Agreement, or do not accept any part of it, then you may not use the Service. By clicking on Accept and using the Service, you agree to abide by the Agreement and any updates made to the Agreement as communicated to you from time to time via your dashboard or via email to your email address on record.
Changing this Agreement. We may change this Agreement, for example, to reflect changes to our Service or how we do business - for example, (1) when we add new products or features or remove old ones, (2) for legal, regulatory, or security reasons, or (3) to prevent abuse or harm.
If we materially change this Agreement, we’ll provide you with reasonable advance notice as stated in these Terms and the opportunity to review the changes, except (1) when we launch a new product or feature, or (2) in urgent situations, such as preventing ongoing abuse or responding to legal requirements. If you don’t agree to the new terms, you should remove or stop using the Service.
Continuation of this Agreement. If your use of the Service ends, the following terms of this Agreement will continue to apply to you: “Other Legal Terms” and “About This Agreement”.
Who may use the Service?
If you are using the Service as an artificial person, you must be a duly incorporated company, partnership or organization with the necessary licenses to perform its objects, and the necessary policies and procedures to process and store Data. You confirm to us that the representatives of your Business have authority to act on behalf of that entity, and that entity accepts this Agreement.