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Risk Disclosure

1. No Financial or Legal Advice

PropTraka, a product of PropTraka Ventures, including its Intelligent assistant (ARDO™), provides data-driven insights and property management tools. These tools are NOT intended to constitute financial, investment, tax, or legal advice. Users should consult with qualified professionals before making significant financial or legal decisions based on the data provided by PropTraka.

2. ARDO™ AI Accuracy

ARDO™ uses advanced algorithms and RAG (Retrieval-Augmented Generation) to analyse market trends and financial data. While we strive for 100% accuracy, AI models may occasionally produce errors or "hallucinations." PropTraka does not guarantee the accuracy, completeness, or timeliness of any AI-generated reports or insights.

3. TrustTraka™ Limitations

TrustTraka™ is a predictive metric based on historical records, verified financial data, and third-party verifications. It is a tool for risk assessment, but it DOES NOT eliminate the inherent risks of property management, such as tenant defaults or property damage. Landlords are advised to perform their own due diligence in addition to TrustTraka™.

4. Mobile Money & Financial Reconciliation

PropTraka automates the matching of M-Pesa transactions. However, system delays or incorrect transaction IDs entered by tenants may result in reconciliation errors. Users should periodically audit their financial records to ensure they match their bank and mobile money statements.

5. Market Risk

Property investments carry inherent market risks. Users should be aware that:

  • Property values may fluctuate due to economic conditions, interest rates, infrastructure developments, and political factors in Kenya.
  • Rental income is not guaranteed. Vacancy rates, tenant defaults, and market rental price changes may impact your expected returns.
  • Historical data and trends displayed on the platform do not predict or guarantee future performance. Market data is sourced from publicly available Kenyan property portals via third-party providers and may not be complete or fully up to date.
  • The Kenyan property market is subject to economic, political, and regulatory factors that may affect property values and rental yields.

6. Technology Risk

As a cloud-based platform, PropTraka is subject to technology risks:

  • The platform may experience scheduled or unscheduled downtime for maintenance, upgrades, or due to unexpected technical issues.
  • While we employ industry-standard backup and disaster recovery procedures, the risk of data loss cannot be entirely eliminated.
  • A stable internet connection is required for full platform functionality. Mobile app performance may vary based on device specifications and network conditions.
  • Third-party service outages (M-Pesa, KRA eTIMS, our cloud and AI infrastructure providers) may temporarily affect platform features. AI features (ARDO™) are subject to per-user rate limits and daily cost ceilings, which may temporarily restrict AI query availability during periods of heavy usage.
  • WhatsApp message delivery depends on Meta's WhatsApp Business Platform infrastructure and the recipient's WhatsApp account status. Undelivered messages may result in missed rent reminders.
  • eTIMS invoice submission depends on KRA's OSCU API availability. Failed submissions are queued for retry but PropTraka cannot guarantee real-time fiscalisation.

7. Regulatory Risk

Kenya's property, tax, and financial regulations are subject to change. Users should be aware that:

  • The Monthly Rental Income (MRI) tax rate (7.5% of gross rent at the time of publication) may be amended by the Kenya Revenue Authority or Parliament. Always verify current rates directly with KRA.
  • Non-resident withholding tax rates (30% on gross rental income at the time of publication) are subject to legislative changes.
  • Data protection regulations under the Kenya DPA (2019) may evolve, potentially affecting how we process and store your data.
  • PropTraka will endeavour to update the platform promptly to reflect regulatory changes, but we cannot guarantee immediate compliance with newly enacted regulations.
  • Users remain solely responsible for staying informed about regulatory changes that affect their property management obligations.
  • The eTIMS electronic invoicing mandate (effective January 2024) requires all VAT-registered persons to use the OSCU system. Users are responsible for maintaining valid OSCU credentials (Serial Number and CM-Key) in PropTraka Settings. Failure to submit valid eTIMS invoices may attract penalties of up to KES 100,000 per invoice or 200% of the tax due.
  • VAT treatment of rental income (residential exempt vs. commercial 16%) is determined by PropTraka based on the property type selected by the user. Users must verify this classification is correct for their specific circumstances.

8. Currency Risk

PropTraka primarily operates in Kenyan Shillings (KES). For users managing properties with rents denominated in foreign currencies (USD, EUR, GBP):

  • Exchange rate fluctuations may impact the KES-equivalent value of your rental income and expenses.
  • PropTraka does not provide currency hedging services or instruments.
  • Any foreign exchange rates displayed on the platform are indicative only and may not reflect real-time market rates.
  • Users are responsible for managing their own foreign exchange risk exposure.

Last Updated: March 2, 2026. Nairobi, Kenya.