Legal

Terms & Conditions

These Terms and Conditions ("Terms") govern access to and use of the ValuFlow enterprise valuation workflow platform by subscribing Organizations and their authorized users. ValuFlow is developed, owned, operated and maintained by The Spiders.

Last updated: 28 July 2026

1. Product Owner

ValuFlow is an enterprise valuation workflow platform developed, owned, operated and maintained by The Spiders ("The Spiders", "we", "us" or "our"). Throughout these Terms, "ValuFlow" refers to the software platform — the web application, the Android field agent app and the shared backend — while "The Spiders", "we", "us" and "our" refer to the proprietorship that owns, operates and bears legal and contractual responsibility for the Platform. Where these Terms address licensing, intellectual property, liability or enforcement, those rights and obligations belong to The Spiders.

2. Acceptance of Terms

By accessing or using the ValuFlow web application, the Android field agent application, or this website (collectively, the "Platform"), an Organization and its authorized users agree to be bound by these Terms and any applicable order form or master service agreement entered into with The Spiders. If there is a conflict between these Terms and a signed agreement, the signed agreement governs.

3. Business Use Only

ValuFlow is licensed exclusively for business and professional use by banks, NBFCs, valuation companies, property inspection agencies and similar financial or regulated institutions ("Organizations"). The Platform is not intended for personal, household or consumer use, and no individual may access the Platform except as an authorized representative of a subscribing Organization.

4. Accounts & Role-Based Access

Access to the Platform is granted on a role-based basis and managed entirely by an Organization's authorized administrators, with oversight from the platform Super Administrator. Users do not self-register and may not create, transfer or delete their own accounts. Organizations are responsible for:

  • Determining which individuals are granted access and at what role or permission level;
  • Promptly deactivating access for individuals who no longer require it, including upon termination of employment or engagement;
  • Ensuring authorized users comply with these Terms and any Organization-specific policies; and
  • Maintaining the confidentiality of credentials issued to their users.

5. Acceptable Use

Users of the Platform agree not to:

  • Use the Platform for any purpose outside the scope of authorized valuation, inspection or related business operations;
  • Attempt to access data, cases or tenants belonging to another Organization;
  • Circumvent, disable or interfere with role-based access control, audit logging or other security features;
  • Reverse engineer, decompile or attempt to extract the source code of the Platform, except as permitted by law;
  • Upload unlawful, fraudulent or malicious content, or content that infringes the rights of any third party; or
  • Use automated means to scrape, extract or interfere with the normal operation of the Platform.

6. Android Field Agent App

The Android field agent app is provided solely for use by authorized field personnel acting on behalf of a subscribing Organization, for the purpose of conducting assigned property inspections and submitting related data. Field agents may only view and act upon cases specifically assigned to them and must use the app in accordance with their Organization's policies and applicable law.

7. Intellectual Property

The Platform, including its software, source code, user interface, workflows, documentation, trademarks and the ValuFlow name and logo, is the exclusive property of The Spiders or its licensors. These Terms grant Organizations and their authorized users a limited, non-exclusive, non-transferable right to access and use the ValuFlow platform for its intended business purpose during the term of their subscription. No other rights are granted, and nothing in these Terms transfers ownership of any ValuFlow intellectual property to any Organization or user.

8. Customer Data

As between The Spiders and an Organization, the Organization retains ownership of the case data, documents and other content it submits to the Platform ("Customer Data"). The Spiders, through the ValuFlow platform, processes Customer Data solely to provide, secure and support the Platform in accordance with the applicable service agreement and our Privacy Policy.

9. Availability & Support

The Spiders aims to maintain high availability of the ValuFlow platform and to provide support in accordance with the service levels agreed with each Organization. Scheduled maintenance, security updates or circumstances beyond our reasonable control may result in temporary unavailability.

10. Disclaimers & Limitation of Liability

The Platform is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, The Spiders disclaims all implied warranties, including merchantability, fitness for a particular purpose and non-infringement. The ValuFlow platform's valuation reports and outputs are generated based on data entered by Organizations and their users; The Spiders does not independently verify the accuracy of underlying case or inspection data and is not responsible for business decisions made based on Platform outputs.

To the maximum extent permitted by law, the aggregate liability of The Spiders arising out of or relating to the Platform shall not exceed the fees paid by the applicable Organization in the twelve (12) months preceding the claim, except where such limitation is not permitted by applicable law.

11. Suspension & Termination

The Spiders may suspend or terminate access to the Platform for an Organization or individual user in the event of a material breach of these Terms, non-payment, security risk, or as required by law. An Organization may request deactivation of its account and users in accordance with its service agreement. Upon termination, access to the Platform will cease, subject to any data retention or export obligations set out in the applicable agreement.

12. Governing Law

These Terms are governed by the laws of the jurisdiction specified in the applicable master service agreement between The Spiders and the Organization, without regard to conflict of law principles.

13. Changes to these Terms

The Spiders may update these Terms from time to time to reflect changes to the Platform or legal requirements. Material changes will be communicated to Organization administrators. Continued use of the Platform after such changes take effect constitutes acceptance of the revised Terms.

14. Contact Us

Questions about these Terms can be directed to the Product Owner, The Spiders, using the details below or via our Contact page.