The category: parcel-first collateral intelligence
Kenya's property market runs on documents that are difficult to verify and easy to misread. A title search at the Land Registry tells you what was registered. It does not always reveal related court matters, gazette notices, unresolved encumbrance signals, or historical identifiers that need careful review. The gap between formal records and wider public evidence is where transactions fail, loans go bad, and disputes begin.
ArdhiScore was built to close that gap on a per-parcel basis. The category is parcel-first collateral intelligence: an independent, source-cited decision summary on a named parcel, produced from public-record search and structured review.
This is not a legal service. It is not a valuation. It is not a credit score. It is a source-cited factual record, delivered as a web-based report you can share with the legal, lending, or property professional advising you, so they can make their own judgement on a clearer evidence base.
Supplement, complement — never replace
The clearest way to understand where ArdhiScore fits is by what it does to the official record: it widens the picture around it, and it never stands in for it.
Due diligence supplements the official record; monitoring complements the professional workflow; nothing replaces the registrar.
Due diligence supplements the official record.
It adds the signals the title and official search don't show — court cases, Gazette notices, reserve and flood exposure, and contradictions inside your own documents.
Monitoring complements the official process.
It runs alongside the registry as a standing watch, on a schedule you choose — so you're never relying on a single one-day snapshot.
Nothing replaces the registrar.
ArdhiScore never issues, certifies, or stands in for the official search or the register. It widens the picture around the record; it never touches the record itself.
What ArdhiScore does
ArdhiScore takes a specific parcel instruction (a title number, a property reference, a physical address) and produces a source-cited dossier within the agreed service level. The dossier contains:
- Registered ownership signals from the records reviewed.
- A summary of encumbrances, caveats, charges, court filings, and gazette notices found in covered sources.
- A source trail showing how each finding was identified and cited.
- Registry and title-identifier cross-checks where publicly accessible records support them.
- ArdhiScore Verified field verification notes when that coming-soon service is available and included in scope.
- A source-cited summary, land-trust score, and unique reference number.
Every report is delivered as a source-cited web report with a unique reference you can cite in your own documents, filings, or credit records. A downloadable PDF and a long-term reference-number archive are on our roadmap.
What ArdhiScore does not do: the 8 statutory refusals
ArdhiScore has eight categories of work we decline in every engagement, with no exceptions. These are not carve-outs we negotiate. They are the boundary of the product.
- Legal opinions. We do not advise on whether a transaction should proceed, whether a title is “clean” in the legal sense, or whether any specific risk is material. Legal advice is a regulated profession. Our dossier is factual input to your professional judgement, not a substitute for it.
- Valuations. We do not value property. We do not estimate market value, replacement cost, or collateral adequacy. These require a licensed valuer. Our dossier tells you what the register shows; it does not tell you what the asset is worth.
- Expert witness testimony. Our dossiers are prepared according to court-documentation standards, but we do not appear as expert witnesses. We do not prepare affidavits. We do not provide reports framed as evidence in litigation.
- Credit scoring. We do not assess creditworthiness. We do not score borrowers, guarantors, or security providers. Our dossier is collateral intelligence, not credit intelligence.
- Title insurance. We do not insure against title defects. We report what the register shows; we do not warrant it. Our liability is limited to the cost of the dossier.
- Beneficial ownership tracing. We do not trace the ultimate beneficial owner behind a registered entity. We report the registered owner as it appears on the title.
- Fraud investigation. We identify discrepancies in the public records we review. We do not investigate the origin of those discrepancies or provide investigative reports for law enforcement or litigation.
- Planning and land-use advice. We do not interpret planning consents, zoning classifications, or development conditions. These require a licensed planner or local authority correspondence.
Why the refusals are part of the product
A dossier that tries to do everything is a dossier that does nothing well. Every time we refuse to opine on something outside our scope, we are protecting the integrity of what we can assess. Our reports are more reliable because they are not shaped by commercial pressure to produce a favourable outcome on matters we have no basis for assessing.
The refusal log on this Trust Center records every matter we have refused to attest and why. It is public. A prospective client who sees a long refusal log should read it as evidence that the reports we do provide are independently produced, not as evidence of a limited service.
If you need a legal opinion, we can tell you which Nairobi firms we have worked with. If you need a valuation, we can tell you which licensed valuers are familiar with our dossier format. We do not refer in exchange for fees. We refer because it is the most useful thing we can do when your question is outside our scope.