Terms of Service

1. Acceptance of Terms

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and our FCRA Notice. These documents are incorporated by reference into these Terms and form a binding legal agreement between you and our platform.

If you are using the Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

2. Description of Service

We operate a consumer protection and risk awareness platform that provides:

• Educational Resources: Guides, articles, and information about scam recognition, fraud prevention, privacy protection, and personal safety
• Informational Tools: Access to publicly available information aggregation tools for personal safety awareness and risk assessment
• Risk Assessment Context: General information to help users make informed decisions about unknown contacts, meetings, and interactions

3. FCRA Compliance & Prohibited Uses

4. User Eligibility

To use our Services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using the Services under applicable laws
• Provide accurate and complete information when requested

If you do not meet these eligibility requirements, you may not use our Services.

5. User Conduct & Prohibited Activities

5.1 Acceptable Use

You agree to use our Services only for lawful purposes and in accordance with these Terms. You agree not to use the Services:

• In any way that violates any applicable federal, state, local, or international law or regulation
• To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Services
• To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity
• To engage in any other conduct that we determine, in our sole discretion, to be harmful to other users, us, or third parties

5.2 Prohibited Activities

You explicitly agree NOT to:

• Use automated tools (bots, scrapers, crawlers) to access the Services
• Attempt to gain unauthorized access to any portion of the Services
• Interfere with or disrupt the Services or servers or networks connected to the Services
• Use the Services to harass, abuse, threaten, or intimidate others
• Collect or store personal data about other users without their consent
• Resell or redistribute information obtained from the Services
• Create derivative databases or commercial products using our data
• Reverse engineer, decompile, or disassemble any aspect of the Services
• Remove, obscure, or alter any legal notices displayed in or along with the Services
• Use the Services for any purpose prohibited by FCRA or other applicable laws

Violation of this section may result in immediate termination of your access to the Services and may expose you to civil and criminal liability.

6. User Account & Acknowledgments

6.1 Mandatory Acknowledgments

Before using certain features of our Services, you must acknowledge and agree to the following:

1. The information provided is for informational purposes only
2. You will not use the information for any FCRA-prohibited purpose
3. The information may be incomplete, outdated, or inaccurate
4. You must verify all information independently before making decisions
5. You agree to our Terms of Service and Privacy Policy

6.2 Account Security

If you create an account with us, you are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use of your account
• Ensuring that all information you provide is accurate and current

7. Third-Party Services & Affiliate Disclosure

7.1 Affiliate Relationships

Our Services may contain links to third-party services and websites. Some of these links are affiliate marketing links, meaning we may earn a commission when you click on or make purchases through these links. This does not affect the price you pay.

7.2 Third-Party Terms

When you access third-party services through our platform:

• You will be subject to that third party's terms of service and privacy policy
• We are not responsible for the content, accuracy, or practices of third-party services
• We do not endorse or make any representations about third-party services
• Your interactions with third parties are solely between you and that third party

7.3 No Liability for Third Parties

We are not responsible for any loss or damage of any sort arising from your dealings with third parties or from the presence of third-party links on our Services.

8. Intellectual Property Rights

8.1 Our Content

The Services and their entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by us, our licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

8.2 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services for your personal, non-commercial use.

8.3 Restrictions

You may not:

• Reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services
• Use our trademarks, service marks, trade names, or logos without our prior written consent
• Access or use for any commercial purposes any part of the Services or any services or materials available through the Services

9. Disclaimers & Limitations of Warranty

10. Limitation of Liability

11. Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms of Service
• Your violation of any rights of another
• Your use or misuse of the Services
• Your violation of any applicable law, rule, or regulation
• Your use of information obtained from the Services for prohibited purposes (including FCRA violations)
• Any decisions you make based on information obtained through the Services

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last Updated" date at the top of this document.

Your continued use of the Services after the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page periodically so you are aware of any changes, as they are binding on you.

13. Termination

13.1 Our Right to Terminate

We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

13.2 Your Right to Terminate

You may discontinue using the Services at any time.

13.3 Effect of Termination

Upon termination, your right to use the Services will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

14. Governing Law & Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without giving effect to any choice or conflict of law provision or rule.

14.2 Informal Resolution

Before filing a claim, you agree to try to resolve the dispute informally by contacting us. We'll try to resolve the dispute informally by contacting you via email. If a dispute is not resolved within 30 days of submission, you or we may bring a formal proceeding.

14.3 Arbitration Agreement

You and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof or the use of the Services shall be settled by binding arbitration, except that each party retains the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights.

14.4 Class Action Waiver

YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Unless both you and the Company agree, no arbitrator or judge may consolidate more than one person's claims or otherwise preside over any form of a representative or class proceeding.

14.5 Venue

Any legal action of whatever nature brought by either you or us shall be commenced or prosecuted in the state and federal courts located in Delaware, and the parties hereby consent to, and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to venue and jurisdiction in such courts.

15. Contact Information

If you have any questions about these Terms, please contact us at: