To every law firm partner, SACCO credit manager, and diaspora professional reading this:
My name is Paul Rukwaro.
I founded ArdhiScore because I kept watching property transactions in Kenya fall apart. Not because buyers or sellers were dishonest. But because the underlying evidence was impossible to verify quickly enough for any professional to rely on it with confidence.
Lawyers were relying on documents they could not check quickly against public records. SACCOs were booking collateral without an efficient way to spot court, gazette, or registry signals. Diaspora families were sending money for property without a clear evidence trail they could review from abroad.
The information gap was real. It was costing people money and sometimes their cases.
What ArdhiScore does
ArdhiScore provides one thing: a source-cited decision summary on a named parcel of land in Kenya.
Our system searches public records, including ELC filings, Kenya Gazette notices, encumbrance signals, and registry or title identifiers, then produces a PDF/A dossier with every finding cited to its source. ArdhiScore Verified field checks are coming soon. They are not part of the current standard report.
What ArdhiScore does not do
We do not provide legal opinions.
We do not provide valuations.
We do not tell you whether to buy, lend against, or accept a piece of land as security.
We do not score creditworthiness.
We do not issue reports suitable as expert witness testimony.
We are not a law firm, a surveyor, or a credit bureau.
Every engagement letter, every dossier, and every page of this Trust Center says so in plain language.
Why the refusal matters
The reason we refuse is not legal caution. It is because scope discipline is what keeps our findings honest.
When we assess land-trust signals, we assess the public-record evidence we can cite. When we refuse to opine on value, it is because value judgements introduce incentive distortions that can corrupt the verification record.
A verifier who knows a deal depends on a favourable outcome is a verifier under pressure.
We apply the same review standard whether a report shows no findings, flags concerns, or is refused. That is not just a policy. It is the operating mechanism that makes the score and dossier worth anything.
On what a source-cited dossier means
Every dossier we deliver identifies the public sources behind each finding. This is not a brand statement. It is an evidence architecture.
The source trail is in the document. If a finding is wrong, the error can be traced, reviewed, and corrected.
Unsupported reports are cheap to produce and impossible to contest. Source-cited dossiers are easier to audit and harder to misuse.
On what to expect in a pilot
We offer a structured pilot: three property matters, delivered within the agreed timeline, at a fixed price. The pilot has a written success criterion.
If we meet it, we expect a conversion conversation. If we do not meet it, you do not owe us anything beyond the fixed fee.
We will not pressure you for a renewal before the pilot is complete. We will not ask you to recommend us to others before you have seen our work. We will not offer a discount in exchange for a public reference before we have earned one.
When ArdhiScore makes a mistake
We will make mistakes. A record may be misread. A source may update after analysis. A dossier may contain an error that only becomes visible when a transaction closes.
When that happens, we will tell you first. We will not wait for you to discover it. We will tell you what went wrong, what we checked, and what we are doing so it does not happen again.
We will not hide errors in footnotes or substitute corrected documents without marking the correction. We will keep a public refusal and correction log on this Trust Center so that anyone can see our track record, including our mistakes.
This is a trust product. Its value depends on source-cited evidence, accountable review, and a transparent process.
If at any point you believe we have fallen short of that, write to me directly at hello@ardhiscore.com. I read every message.
Paul Rukwaro
Founder, ArdhiScore
Nairobi, 2026