Terms of Use

1. Description of Service

ScamVerify™ LLC ("ScamVerify," "we," "us," or "our") operates the ScamVerify.ai website and related services (the "Service"). ScamVerify™ is an AI-powered threat verification platform that provides:

• Phone number verification - carrier lookup, FTC/FCC complaint cross-referencing, robocall detection, and AI risk analysis
• Website/URL verification - domain reputation, malware database checks, and threat intelligence scanning
• Text message analysis - extraction and verification of phone numbers and URLs from suspicious text messages
• Email analysis - sender reputation, embedded link checking, and phishing indicator detection
• Email forwarding analysis - forward suspicious emails to scan@scamverify.ai for automated AI-powered scam analysis delivered to your inbox
• Community reports - user-submitted reports about phone numbers and other threats
• AI-powered risk scores - synthesized risk assessments with plain-English explanations
• Personal dashboard - lookup history, watchlist monitoring, and notification preferences

Additional verification channels may be added in the future.

2. Acceptance of Terms

By using ScamVerify™, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use ("Terms") and our Privacy Policy. If you do not agree to these Terms, please do not use the Service. We reserve the right to modify these Terms at any time. We will provide notice of material changes by updating the "Last Updated" date above. Your continued use of the Service after any changes constitutes acceptance of those changes.

3. Account Registration and Authentication

3.1 Account Creation

You may create an account using your email address via passwordless email verification code authentication, or by signing in with Google OAuth. You must provide accurate information and keep your account credentials secure.

3.2 Account Security

You are responsible for all activities that occur under your account. You agree to notify us immediately of any unauthorized use through our contact form.

3.3 Account Termination

You may delete your account at any time through Settings > Privacy & Data. Upon deletion, your account, watchlist, lookup history, and all associated data will be permanently removed. Active subscriptions must be canceled before account deletion. We reserve the right to terminate accounts that violate these Terms.

4. Subscriptions, Billing, and Cancellation

4.1 Free and Paid Tiers

ScamVerify™ offers both free and paid access:

• Unregistered users: Unlimited free teaser previews (partial results, no AI analysis)
• Free registered accounts: 5 full lookups with complete AI analysis, carrier forensics, and complaint details
• Paid subscriptions: Starter ($5.99/month or $4.99/month billed annually), Pro ($12.99/month or $9.99/month billed annually), and Inner Circle ($29.99/month or $24.99/month billed annually) plans with higher monthly lookup limits
• Top-up packs: One-time purchases of additional lookups (10 for $1.99, 25 for $3.99, 50 for $5.99) that never expire

Current pricing and plan details are available on our pricing page. We reserve the right to change pricing with at least 30 days advance notice to existing subscribers.

4.2 Automatic Renewal

4.3 Payment Processing

All payments are processed by Stripe, Inc. ("Stripe"). By subscribing, you agree to Stripe's Services Agreement. ScamVerify™ does not store your credit card numbers. You are responsible for keeping your payment information current.

4.4 Cancellation

You may cancel your subscription at any time online through Settings > Billing > Manage Subscription. Cancellation takes effect at the end of your current billing period. You will retain access to paid features until the end of the period you have already paid for. No partial refunds are provided for unused time within a billing period.

4.5 Refunds

Subscription fees are generally non-refundable. If you experience a material issue with the Service that we are unable to resolve within 10 business days of your written notice, you may cancel and receive a pro-rated refund for the unused portion of your current billing period. Top-up purchases are non-refundable. To request a refund, please contact us.

4.6 Lookup Quotas and Rollover

Each paid plan includes a monthly lookup allocation. Unused monthly lookups roll over to the following month, capped at twice your monthly allocation. Top-up lookups do not expire and are used after monthly and rollover lookups are exhausted. A "lookup" is counted when you receive a full analysis result (teasers are free and unlimited).

4.7 Failed Payments

If a payment fails, we may retry the charge according to Stripe's retry schedule. If payment cannot be collected after multiple attempts, your subscription may be suspended or canceled. You will be notified by email of failed payment attempts.

5. Permitted and Prohibited Use

5.1 Permitted Use

You may use ScamVerify™ to:

• Verify phone numbers, websites, text messages, emails, documents, and QR codes for scam risk
• Submit community reports about suspicious communications you have received
• View community reports and risk assessments
• Monitor phone numbers via your watchlist
• Receive email notifications about changes to watched numbers
• Access your lookup history and manage notification preferences

5.2 Prohibited Use

You agree NOT to:

• Use the Service for any illegal purpose or in violation of any laws
• Submit false, misleading, or malicious reports
• Attempt to manipulate risk scores or community reports
• Use automated systems (bots, scrapers) to access the Service without written permission
• Interfere with or disrupt the Service or servers
• Attempt to gain unauthorized access to any portion of the Service
• Use the Service to harass, stalk, or harm any individual
• Impersonate any person or entity
• Use information obtained from the Service to make harassing communications
• Share your account credentials with others
• Create multiple accounts to circumvent any limits or restrictions
• Reverse-engineer, decompile, or disassemble any part of the Service

6. Rate Limits and Usage Policies

To ensure fair access and prevent abuse, ScamVerify™ enforces usage limits including per-hour verification limits, daily report submission limits, and contact form rate limits. Specific limits are disclosed in the Service. Exceeding rate limits will result in temporary restrictions with clear error messages indicating when you can try again.

Repeated attempts to bypass limits may result in temporary IP bans (1 to 24 hours), extended bans for repeat offenses, permanent bans for severe abuse, or legal action for commercial scraping.

6.1 Commercial Use

The Service is for personal, non-commercial use unless you are on an Inner Circle plan or have written authorization for commercial use. Commercial use includes but is not limited to reselling data, integrating with other products, or systematic data collection. Contact us for commercial licensing inquiries.

7. AI-Generated Content and Disclaimers

You acknowledge and agree that:

• AI-generated analysis may be inaccurate, incomplete, or outdated
• Risk scores are algorithmically generated and may not reflect the true nature of any phone number, website, text, email, document, or QR code
• A "safe" rating does not guarantee that a number or URL is legitimate, and a "high risk" rating does not confirm it is a scam
• You are solely responsible for verifying AI-generated outputs before acting on them
• AI analysis is not a substitute for professional advice from law enforcement, legal counsel, or financial advisors
• Results may vary between analyses of the same input due to the nature of AI systems

ScamVerify™ does not use your submitted data (phone numbers, URLs, text messages, emails) to train AI models. Your data is sent to AI providers solely for the purpose of generating your analysis results.

8. Community Reports and User Content

8.1 User Submissions

When you submit a community report, you represent that:

• The information you provide is truthful and accurate to the best of your knowledge
• You actually received the communication you are reporting
• You are not submitting reports to harass or defame any individual or business

8.2 License to Use

By submitting content to ScamVerify™, you grant us a non-exclusive, worldwide, royalty-free, perpetual license to use, display, aggregate, and distribute your submissions as part of the Service. We may use anonymized and aggregated report data to improve scam detection.

8.3 No Verification

We do not independently verify user-submitted reports. Community reports reflect user opinions and experiences and are not endorsed by ScamVerify™. Reports are subject to our Community Guidelines and Moderation Policy.

9. Disclaimer of Warranties

We specifically disclaim:

• Accuracy: We do not guarantee that risk scores, AI analysis, carrier data, or community reports are accurate, complete, or current
• Reliability: We do not guarantee uninterrupted or error-free access to the Service
• Community Reports: User-submitted reports are not verified and may be inaccurate, outdated, or maliciously submitted
• AI Analysis: AI-generated content is informational only and should not be solely relied upon for making decisions
• Third-Party Data: Data from government databases (FTC, FCC) and third-party providers may contain errors or be incomplete

10. Limitation of Liability

• Financial losses resulting from reliance on our Service or AI-generated analysis
• Damages from falling victim to scams despite using our Service
• Loss of data or privacy breaches
• Damages from inaccurate information provided by the Service or third-party data sources
• Damages from actions taken based on community reports or risk scores
• Any other damages arising from your use of the Service

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE GREATER OF (A) $100 USD OR (B) THE TOTAL AMOUNT PAID BY YOU TO SCAMVERIFY™ IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

11. Indemnification

You agree to indemnify, defend, and hold harmless ScamVerify™ LLC and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with:

• Your access to or use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit to the Service, including community reports
• Any decisions or actions you take based on AI-generated analysis or risk scores

12. Intellectual Property

All content on ScamVerify™, including but not limited to text, graphics, logos, software, data compilations, risk scoring algorithms, and AI-generated analyses, is the property of ScamVerify™ LLC or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

13. Third-Party Services

ScamVerify™ uses third-party services to operate the platform. By using the Service, you acknowledge that your data may be processed by these providers in accordance with their respective privacy policies:

• OpenAI - primary AI analysis engine
• Anthropic - fallback AI analysis engine
• Stripe - payment processing
• Twilio - phone number carrier verification
• Supabase - authentication and database services
• Cloudflare Turnstile - bot protection (CAPTCHA alternative)
• PostHog - product analytics
• Sentry - error tracking and performance monitoring
• Resend - transactional email delivery

We also access publicly available government databases including the FTC Do Not Call Registry and FCC Consumer Complaints, as well as industry threat intelligence databases. We are not responsible for the availability, accuracy, or content provided by third-party services or government databases.

13.1 Wireless Carrier Authorization

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to ScamVerify™ LLC or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

14. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review it to understand how we collect, use, and protect your information.

15. Copyright and DMCA

If you believe that content on ScamVerify™ infringes your copyright, please submit a DMCA takedown notice through our contact form with the subject "Legal Inquiry." Your notice must include: identification of the copyrighted work, identification of the infringing material with sufficient detail for us to locate it, your contact information, a statement of good-faith belief that the use is unauthorized, and a statement under penalty of perjury that your notice is accurate.

16. Termination

We reserve the right to terminate or suspend your access to the Service at any time, without prior notice, for any reason, including but not limited to violation of these Terms. Upon termination by us without cause, active paid subscribers will receive a pro-rated refund for the unused portion of their current billing period. Upon termination for cause (violation of these Terms), no refund will be provided.

17. Dispute Resolution

18.1 Informal Resolution

Before filing any formal dispute, you agree to attempt to resolve the matter informally by contacting us and allowing 30 days for resolution.

18.2 Binding Arbitration

If informal resolution fails, any dispute arising from these Terms or your use of the Service shall be resolved through binding arbitration in Los Angeles County, California, administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration shall be conducted in California, and the arbitrator's authority is limited to disputes arising out of or relating to your use of, payment for, or provision of the Service.

18.3 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. If for any reason a claim proceeds in court rather than in arbitration, you waive any right to a jury trial.

18.4 Small Claims Court

Notwithstanding the above, either party may bring an individual action in small claims court in Los Angeles County, California, for disputes within the court's jurisdictional limits.

18.5 Opt-Out

You may opt out of the arbitration and class action waiver provisions by sending written notice to us through our contact form within 30 days of creating your account. If you opt out, disputes will be resolved in the state or federal courts of Los Angeles County, California.

18. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions. California residents are entitled to all protections provided by California consumer protection laws, including the California Automatic Renewal Law and the California Consumer Privacy Act (CCPA).

19. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

20. Entire Agreement

These Terms, together with the Privacy Policy, Community Guidelines, and Moderation Policy, constitute the entire agreement between you and ScamVerify™ LLC regarding your use of the Service and supersede all prior agreements and understandings.

21. Contact Information

If you have any questions about these Terms of Use, please contact us.

ScamVerify™ LLC
115 W. California Blvd #9300
Pasadena, CA 91105
United States