PLEASE READ THESE TERMS CAREFULLY. THEY CONTAIN IMPORTANT INFORMATION ABOUT YOUR RIGHTS AND OBLIGATIONS, INCLUDING:
(1) SCAM VERIFIER PROVIDES AUTOMATED ASSESSMENTS, INCLUDING AI-BASED CLOUD CHECKS. AN ASSESSMENT IS NOT A GUARANTEE THAT A MESSAGE IS OR IS NOT A SCAM, AND A RESULT SUCH AS "NO CLEAR WARNING SIGNS" DOES NOT MEAN THAT A MESSAGE IS SAFE (SECTION 4);
(2) YOU MUST BE AT LEAST 18 YEARS OLD TO USE THE SERVICE (SECTION 5);
(3) PAID PLANS RENEW AUTOMATICALLY UNTIL YOU CANCEL (SECTION 9);
(4) OUR LIABILITY IS EXCLUDED AND LIMITED, INCLUDING FOR LOSSES CAUSED BY SCAMS OR FRAUD COMMITTED BY THIRD PARTIES (SECTIONS 15 AND 16); AND
(5) THESE TERMS ARE GOVERNED BY THE LAWS OF THE STATE OF ISRAEL, AND THE COURTS OF TEL AVIV-JAFFA HAVE EXCLUSIVE JURISDICTION, SUBJECT TO THE MANDATORY CONSUMER PROTECTION LAWS OF YOUR COUNTRY OF RESIDENCE (SECTION 18).
1. Introduction and Acceptance
1.1 Agreement. These Terms of Service (the "Terms") form a legally binding agreement between you and Schultz Corp Ltd., a company incorporated under the laws of the State of Israel, whose business address is Simta Almonit 7, Tel Aviv, Israel ("Company", "we", "us" or "our"). These Terms govern your access to and use of the Scam Verifier mobile application, the website at scamverifier.app, and all related features, content and services that we make available (together, the "Service").
1.2 How you accept these Terms. You accept these Terms when you check the acceptance box or tap the acceptance button presented to you when you create an Account, or, if you use the Service without an Account, when you tap the acceptance button presented to you before your first use of the Service. If you do not agree to these Terms, you must not create an Account or use the Service.
1.3 Privacy Policy. Our Privacy Policy, available within the App and at https://scamverifier.app/privacy, explains how we collect, use and disclose Personal Data. The Privacy Policy does not form part of these Terms, but you acknowledge that you have read it. If these Terms and the Privacy Policy address the processing of Personal Data differently, the Privacy Policy prevails with respect to that processing.
1.4 Additional terms. Certain features may be subject to additional terms that we present to you when you use those features, such as plan-specific terms displayed at the point of purchase (the "Additional Terms"). Additional Terms are incorporated into these Terms by reference. If Additional Terms conflict with these Terms, the Additional Terms prevail with respect to the relevant feature only.
1.5 App Store terms. If you download the App from the Apple App Store or Google Play, your use of the App is also subject to the applicable terms of that App Store. Section 20 contains additional terms that apply to App Store downloads.
1.6 Regional terms. Section 21 contains additional terms that apply to residents of certain countries, states and provinces. If a provision of Section 21 conflicts with any other provision of these Terms, the provision of Section 21 prevails for residents of the relevant jurisdiction.
2. Definitions
2.1 In these Terms, the following capitalized terms have the following meanings:
(a) "Account" means an account registered with us to access the Service.
(b) "App" means the Scam Verifier mobile application for iOS or Android, and any web version of it that we make available, including all updates.
(c) "App Store" means the Apple App Store, Google Play or any other application marketplace through which we make the App available.
(d) "Assessment" means any result, verdict, label, explanation, reason, recommendation, checklist or other output that the Service generates in response to Your Content, including a Cloud Check result and an On-Device Check result.
(e) "Cloud Check" means an Assessment for which the Reviewed Text is transmitted to our servers and processed by an AI Model.
(f) "AI Model" means any artificial intelligence or machine-learning model that we use to generate Assessments, including third-party models that we access through third-party service providers.
(g) "Family Member" means a user who has accepted an invitation to connect with you for the purpose of sharing Shared Cases under Sections 7.1 to 7.5. A member of a Family Plan is not a Family Member unless also connected in that way.
(h) "Family Features" means the features of the Service that allow users to invite other users, connect with them, share Shared Cases, send acknowledgments and updates, and share a Family Plan.
(i) "Family Plan" means a Paid Plan that allows the purchaser to invite a limited number of other users to share a single Allowance.
(j) "Allowance" means the number of Cloud Checks available to you during a given period under the Free Plan or your Paid Plan, as described in Section 10.
(k) "Free Plan" means access to the Service without payment, subject to the Allowance and limitations that apply to it.
(l) "On-Device Check" means a limited Assessment that the App generates on your device using built-in rules, without transmitting Your Content to our servers.
(m) "Paid Plan" means any paid subscription to the Service, including the Solo plan and the Family Plan, whether billed monthly or yearly.
(n) "Personal Data" means any information relating to an identified or identifiable individual.
(o) "Resources" means links, contact details, reporting instructions, recovery steps and other information about third-party organizations, including government agencies, that we make available through the Service.
(p) "Reviewed Text" means the text that you review, edit and approve in the App before requesting an Assessment, including text that the App extracts from an image on your device.
(q) "Shared Case" means an Assessment summary, a message or message excerpt you choose to include with it, or a request for advice that you choose to share with a Family Member through the Family Features.
(r) "Your Content" means any text, image, screenshot, link, note, feedback report, support message, Shared Case or other material that you submit, upload, paste, import, share or otherwise make available through the Service.
2.2 In these Terms, "including" and similar words mean "including without limitation"; headings are for convenience only and do not affect interpretation; and the singular includes the plural and vice versa.
3. The Service
3.1 What the Service does. The Service is designed to help you form your own view about whether a message that you received (such as a text message, email, voicemail transcript or social media message) shows signs of a scam. You provide the message by pasting or typing text, importing it from another app, or selecting an image, and the Service returns an Assessment. An Assessment will generally fall into one of three categories: "Likely scam", "Needs checking" or "No clear warning signs", or such other labels as we may use from time to time.
3.2 AI-generated Assessments. Cloud Checks use automated AI Models provided through the third-party services configured for the Service, as described in our Privacy Policy. We may change those models or providers, subject to Section 19 and any notice or consent required by applicable law. A Cloud Check is generated by an automated system. You may submit feedback as described in the Privacy Policy; this does not limit any review or other right available under applicable law.
3.3 On-device processing. When you select an image, the App extracts text from the image on your device, and you review and may edit that text before requesting an Assessment. The App may also identify certain details, such as names, phone numbers, email addresses and account numbers, and offer to hide them before an Assessment. Automatic detection of such details is incomplete, and you remain responsible for reviewing the Reviewed Text before you submit it.
3.4 On-Device Checks. If you are offline, not signed in, have used your Allowance, or a Cloud Check is unavailable, the App may provide an On-Device Check. On-Device Checks rely on limited built-in patterns, are less capable than Cloud Checks, and are labeled as such in the App.
3.5 Resources. The Service may display Resources for certain countries, such as links to government agencies where you may report a scam. Resources are provided for convenience only. We do not operate, control or endorse the organizations listed, and we do not guarantee that the Resources are complete, current or suitable for your circumstances.
3.6 What the Service does not do. The Service does not: (a) read your inbox, text messages, calls or other communications automatically; (b) visit, open or test links, attachments or phone numbers; (c) verify the identity of any sender or the authenticity of any organization; (d) monitor your accounts or transactions; (e) block, intercept or report messages; (f) recover money or property; or (g) contact any bank, law enforcement agency or other third party on your behalf.
3.7 Not an emergency service. The Service is not an emergency service, a law enforcement service or a crisis service. If you are in immediate danger, or you believe a crime is in progress, contact your local emergency services. If you believe you have been defrauded, contact your bank or card issuer and the relevant authorities without delay.
3.8 Language. The Service is currently designed for messages written in English. Assessments of messages in other languages, or of messages that mix languages, may be less reliable or unavailable.
3.9 Beta and preview features. We may make features available on a trial, beta or preview basis ("Preview Features"). Preview Features may be incomplete, may contain errors and may be changed or withdrawn at any time without notice. To the extent permitted by applicable law, Preview Features are provided without any warranty or commitment.
4. Nature of Assessments and Your Responsibility
4.1 An Assessment is not a guarantee. Scams change constantly, and no automated system can identify every scam. AI Models can produce inaccurate, incomplete or inconsistent outputs, including outputs that appear confident but are wrong. Accordingly, the Service may fail to identify a scam (a "false negative") or may identify a legitimate message as a possible scam (a "false positive"). An Assessment is an automated opinion about the text that you submitted, at the time you submitted it, and nothing more.
4.2 "No clear warning signs" does not mean safe. A result stating that there are no clear warning signs, or any similar result, means only that the Service did not identify recognized warning signs in the Reviewed Text. It does not mean, and must not be understood to mean, that the message, its sender, any link, phone number, attachment or payment request is genuine, safe or trustworthy.
4.3 Your decisions are your own. You are solely responsible for your decisions and actions, and for any decision not to act, in connection with any message, whether or not you used the Service and regardless of the Assessment. You must not rely on an Assessment as the sole basis for any decision, in particular a decision to send money, gift cards, cryptocurrency or other assets; to share a password, one-time code, PIN or personal or financial information; to click a link, scan a QR code, install software or call a number; or to grant anyone access to a device or account.
4.4 Verify independently. Before acting on any message, you should verify it independently through a trusted channel that you locate yourself, for example by calling your bank on the number printed on your card or shown on its official website, and not on a number, link or contact provided in the message.
4.5 Quality of inputs. The accuracy of an Assessment depends on the Reviewed Text. An Assessment may be less reliable if the text is incomplete, cropped, blurry, extracted inaccurately from an image, edited, redacted, lacks sender details or context, or is in a language other than English. We are not responsible for Assessments that are affected by the content or quality of the Reviewed Text.
4.6 No professional advice. Assessments and all other content provided through the Service are general information only. They do not constitute legal, financial, investment, tax, security, medical or other professional advice, and we are not acting as your adviser, agent or fiduciary. You should obtain professional advice appropriate to your circumstances.
4.7 Advice from Family Members. Any advice, comment or acknowledgment that a Family Member provides through the Service is provided by that Family Member and not by us. We do not review, verify or endorse it and are not responsible for it. A Family Member's acknowledgment of a Shared Case does not mean that the message is safe.
4.8 Scams are committed by third parties. You acknowledge that any scam, fraud, impersonation or other wrongful conduct that you encounter is committed by third parties over whom we have no control, and that, subject to Section 16.4, we are not responsible for any loss or damage caused by such third parties.
5. Eligibility and Accounts
5.1 Minimum age. You must be at least 18 years old to use the Service. The Service is not directed to children. By using the Service, you represent that you meet this requirement. If we learn that a person under 18 is using the Service, we may close that person's Account and delete their Personal Data in accordance with our Privacy Policy, subject to any retention required or permitted by applicable law.
5.2 Eligibility. You may use the Service only if you are legally able to enter into a binding contract and are not barred from using the Service under applicable law, including sanctions laws. You represent that you are not located in, or ordinarily resident in, a country or region subject to comprehensive sanctions, and that you are not listed on any government list of prohibited or restricted persons.
5.3 Account registration. Certain features, including Cloud Checks, the Family Features and Paid Plans, require an Account. You may register using your email address and a password or one-time code, or through a third-party sign-in service that we support. You must provide accurate and complete information and keep it up to date. An Account is personal to you and may not be shared, transferred or used by any other person.
5.4 Account security. You are responsible for maintaining the confidentiality of your sign-in credentials, for the security of any device on which you use the App, and for all activity that occurs through your Account, except to the extent caused by our breach of these Terms. If you enable biometric sign-in (such as Face ID or Touch ID), anyone whose biometrics are enrolled on your device may be able to access your Account on that device. You must notify us promptly at support@scamverifier.app if you suspect any unauthorized access to your Account.
5.5 We will never ask for your credentials. We will never ask you for your password, a one-time sign-in code, or payment card details by email, text message, phone call or social media message. Any such request claiming to be from us is likely a scam and should be reported to us.
5.6 Guest use. You may use certain features without an Account. These Terms apply to all use of the Service, whether or not you have an Account.
6. Your Content
6.1 Ownership. As between you and us, you retain any rights that you have in Your Content. We do not claim ownership of Your Content.
6.2 License to us. You grant us, and our service providers acting on our behalf, a worldwide, non-exclusive, royalty-free license, for as long as reasonably necessary for the purposes described in this Section 6.2, to host, store, transmit, reproduce, process, analyze, adapt (for example, to hide identifiers or to format text) and display Your Content solely in order to: (a) provide, maintain and secure the Service for you and, where you choose to share Your Content, for the Family Members with whom you share it; (b) respond to your requests and support communications; (c) prevent, detect and investigate fraud, abuse, security incidents and breaches of these Terms; and (d) comply with applicable law. We process Personal Data contained in Your Content in accordance with our Privacy Policy.
6.3 No AI training. We do not use Your Content to train or fine-tune AI Models.
6.4 Your responsibilities for Your Content. You represent and warrant that: (a) you have all rights and permissions necessary to submit Your Content and to grant the license in Section 6.2; (b) where Your Content contains Personal Data of other people (for example, the sender or other recipients of a message), your submission of it for the purpose of obtaining an Assessment, and any sharing of it with Family Members, complies with applicable law; and (c) Your Content does not violate these Terms or any applicable law.
6.5 Minimize what you submit. You should submit only the text needed for an Assessment. Before submitting, you should hide or remove passwords, one-time codes, PINs, full payment card or bank account numbers, government identification numbers, health information and other sensitive details that are not needed for the Assessment. The App offers tools to hide certain details, but those tools may not detect everything.
6.6 Feedback. If you submit suggestions, ideas or comments about the Service ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free, fully paid-up license to use, modify and exploit the Feedback for any purpose, without compensation or attribution to you. This Section 6.6 does not grant us any right in Personal Data contained in a feedback report, which we handle in accordance with our Privacy Policy, and does not permit us to use your feedback reports to train AI Models.
6.7 Removal. We may, but are not obliged to, review, refuse, remove or restrict access to any of Your Content that we reasonably believe breaches these Terms or applicable law or creates risk for us, our users or third parties.
7. Family Sharing and Family Plan
7.1 Invitations and connections. You may invite another person to connect with you through the Family Features by entering that person's email address and giving that person the invitation code that the App generates. An invitation is bound to the invited email address, expires after a limited period and must be accepted by the invited person through their own Account. You may invite only people whom you know personally and who you reasonably believe would welcome the invitation.
7.2 Sharing is always your choice. Connecting with a Family Member does not automatically share any of your messages, Assessments or history. You decide, for each Shared Case, whether to share it and with whom, and you can preview a Shared Case before sharing it. A connected Family Member can see your contact label and Account email address.
7.3 Revocation and expiry. You may revoke a Shared Case or disconnect from a Family Member at any time. Shared Cases expire automatically after the period stated in the App (currently 30 days). Revocation, disconnection and expiry do not affect any copy, screenshot or record that a Family Member has already made, and we are not responsible for any such copy.
7.4 We do not verify Family Members. Names and labels in the Family Features are chosen by users and are not verified identities. We do not verify the identity, relationship, intentions or reliability of any Family Member. You are responsible for deciding whom to invite, whom to accept and what to share.
7.5 Respect for others. You must not use the Family Features to monitor, track, control, pressure, deceive or exploit any person, to obtain access to another person's Account, messages or finances, or to encourage any person to send money or disclose information. If you are concerned that someone is exploiting you or another person, you may disconnect from them at any time and contact the relevant authorities.
7.6 Family Plan. The purchaser of a Family Plan (the "Plan Owner") may invite up to the number of people stated in the App at the time of purchase (currently four in addition to the Plan Owner) to share the Family Plan. Each invited person (a "Family Plan Member") must separately accept the invitation. The Plan Owner and all Family Plan Members share one Allowance. Family Plan Members can see the total Allowance used and their own usage, but not other members' messages or individual activity. The Plan Owner is solely responsible for all fees for the Family Plan. The Plan Owner may remove members, and members may leave, at any time. Removing a member does not restore any Allowance already used. A user may belong to only one Family Plan at a time. A Family Plan connection is separate from, and does not by itself create, a family sharing connection under Sections 7.1 to 7.3.
8. Acceptable Use
8.1 You must use the Service only for your personal, non-commercial purposes and in compliance with these Terms and all applicable laws. You must not, and must not attempt to or permit any other person to:
(a) use the Service to create, design, test, refine or evaluate any scam, phishing message, fraudulent communication or other deceptive content, or to develop methods to evade scam detection;
(b) include in Your Content any instruction, code or text intended to manipulate, override or interfere with the operation of an AI Model or the Service (sometimes called "prompt injection"), except where that text forms part of a genuine message that you received and are submitting for an Assessment;
(c) copy, modify, translate, create derivative works of, decompile, disassemble or reverse engineer the App or the Service, or attempt to extract its source code, prompts, rules, models or underlying logic, except to the extent that applicable law expressly permits this despite this restriction;
(d) access or use the Service through any automated means, such as bots, scripts, scrapers or crawlers, or through any interface other than the App or other interfaces that we provide;
(e) circumvent, disable or interfere with any Allowance, rate limit, usage limit, security feature or access control, including by creating multiple Accounts to obtain additional Allowance;
(f) sell, resell, rent, lease, sublicense or otherwise make the Service or any Assessment available to any third party on a commercial basis, or use the Service to provide a scam-checking or similar service to others;
(g) submit or share any content that is unlawful, defamatory, harassing, threatening, obscene, or that sexually exploits or endangers children, or that infringes the rights of any person;
(h) upload or transmit any malware, virus or other harmful code, or interfere with or disrupt the integrity, performance or security of the Service or of any system or network connected to it;
(i) impersonate us, our staff or any other person, including by holding yourself out as providing "Scam Verifier support", or misrepresent your affiliation with any person;
(j) use the Service, or any Assessment, to harass, intimidate, discriminate against or harm any person, or to make decisions about any person's eligibility for employment, credit, insurance, housing or any similar opportunity;
(k) use the Service to develop, train or improve any competing product or service or any AI Model; or
(l) use the Service in any way that violates applicable law, including privacy, data protection, consumer protection, telecommunications and sanctions laws.
8.2 We may investigate any suspected breach of this Section 8 and may cooperate with law enforcement authorities in doing so.
9. Plans, Subscriptions, Free Trials and Payments
9.1 Plans. We offer a Free Plan and Paid Plans. The features, Allowances, prices and billing periods of each plan are described in the App at the time of purchase. We may change the plans that we offer at any time, subject to Section 9.8.
9.2 Where you purchase. Paid Plans are currently purchased through Apple's App Store. Apple processes and bills those purchases under its own terms and handles payment processing, billing, cancellation and refunds. If we introduce website purchases or another payment channel, we will disclose the applicable processor and purchase terms before they become available.
9.3 Automatic renewal. PAID PLANS RENEW AUTOMATICALLY AT THE END OF EACH BILLING PERIOD (MONTHLY OR YEARLY, AS SELECTED BY YOU) FOR A FURTHER PERIOD OF THE SAME LENGTH, AND YOU WILL BE CHARGED THE THEN-CURRENT PRICE FOR YOUR PLAN, PLUS ANY APPLICABLE TAXES, AT THE START OF EACH RENEWAL PERIOD, UNLESS YOU CANCEL BEFORE THE RENEWAL DATE. For App Store purchases, you must cancel at least 24 hours before the end of the current period, or by such other deadline as the App Store specifies, to avoid being charged for the next period. Before you purchase a Paid Plan, we or the App Store will show you the price, the billing frequency, the date of the first charge and how to cancel, and we will ask for your express consent to automatic renewal.
9.4 Free trials. We may offer a free trial for certain Paid Plans (currently, a 14-day free trial for eligible yearly plans). Eligibility for a free trial is determined by us or the App Store, and a free trial is generally available only once per person. You must provide a valid payment method to start a free trial. UNLESS YOU CANCEL BEFORE THE END OF THE FREE TRIAL (AND, FOR APP STORE PURCHASES, AT LEAST 24 HOURS BEFORE THE END OF THE FREE TRIAL), YOUR FREE TRIAL WILL CONVERT AUTOMATICALLY INTO A PAID YEARLY PLAN AND YOU WILL BE CHARGED THE YEARLY PRICE DISCLOSED TO YOU AT THE TIME YOU STARTED THE TRIAL. Where required by applicable law, we will send you a reminder before the trial converts. The Allowance that applies during a free trial is described in the App.
9.5 How to cancel. You may cancel a Paid Plan at any time through your Apple account settings (on iOS, Settings > [your name] > Subscriptions), or through the "Manage subscription" link in the App. Deleting the App or your Account does not cancel an App Store subscription.
9.6 Effect of cancellation. When you cancel, your Paid Plan will continue until the end of the billing period for which you have already paid, and will not renew. Your Account will then revert to the Free Plan.
9.7 Refunds. Except as required by applicable law or as expressly stated in these Terms: (a) all fees are non-refundable, and we do not provide refunds or credits for partial billing periods, unused Allowance or unused features; and (b) refunds for App Store purchases are handled exclusively by the relevant App Store in accordance with its policies, and you should request them from the App Store. Nothing in this Section 9.7 limits any right to a refund that you may have under the mandatory law of your country of residence, including under Section 21.
9.8 Price changes. We may change the price of a Paid Plan from time to time. We will give you reasonable advance notice of any price increase that affects your existing Paid Plan (at least 30 days, or such longer period as applicable law or the App Store requires), and the new price will apply from your next renewal after the notice period. If you do not agree to the price increase, you may cancel your Paid Plan before it takes effect. Where applicable law or the App Store requires your consent to a price increase, we will not apply the increase without it.
9.9 Taxes. Prices may or may not include applicable sales, use, value-added, goods and services or similar taxes, depending on the channel and your location, as shown at the point of purchase. You are responsible for any taxes that apply to your purchase, other than taxes on our income.
9.10 Failed payments. If a payment is declined or cannot be processed, we or the App Store may retry the payment, and we may suspend or downgrade your Paid Plan until payment is received.
9.11 Promotions. Promotional offers, discounts and codes are subject to the terms stated when offered, have no cash value and may not be combined unless we state otherwise.
10. Allowances and Service Limits
10.1 Allowances. Each plan includes an Allowance of Cloud Checks per period, as described in the App (currently, three successful Cloud Checks per week on the Free Plan, resetting each Monday at 00:00 UTC; and a monthly Allowance on Paid Plans that resets on the monthly anniversary of your subscription). A Cloud Check counts against your Allowance when the Service completes it, even if your device disconnects before the Assessment is displayed. On-Device Checks do not count against your Allowance.
10.2 No rollover and no overage. Unused Allowance does not roll over to the next period, has no cash value and is not refundable. We will not charge you automatically for usage beyond your Allowance. When your Allowance is used up, you may still use On-Device Checks and the Resources.
10.3 Service limits. To protect the Service and its users, we apply technical limits, including limits on the length of Reviewed Text, the number of requests per hour, and the total capacity of the Service. We may change these limits at any time. We may also temporarily delay, limit or suspend Cloud Checks, including where our service providers are unavailable or where necessary to protect the security, integrity or financial sustainability of the Service. In such cases, the App may offer an On-Device Check, which will be labeled accordingly.
10.4 Availability. We aim to make the Service available, but we do not guarantee that it will be available at all times or without interruption, delay or error. The Service may be unavailable because of maintenance, updates, failures of our service providers, network problems or events beyond our reasonable control.
11. Intellectual Property and License to Use the App
11.1 Our rights. The Service, the App and all content, software, designs, text, graphics, logos, rules, prompts and other materials that we provide (excluding Your Content), and all intellectual property rights in them, are owned by us or our licensors. Except for the limited license granted in Section 11.2, these Terms do not grant you any right, title or interest in the Service.
11.2 License to you. Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable and revocable license to download, install and use the App on devices that you own or control, and to access and use the Service, in each case solely for your personal, non-commercial purposes.
11.3 Assessments. You may use Assessments for your own personal purposes, including sharing them with people you know to obtain advice or to warn them about a scam. You may not use Assessments for any purpose prohibited by Section 8.
11.4 Trademarks. "Scam Verifier" and our logos are our trademarks. You may not use them without our prior written consent, including in any manner that is likely to cause confusion or to suggest that we endorse you or your products or services.
11.5 Open-source components. The App includes open-source software components, which are licensed under their own license terms. To the extent that those terms conflict with these Terms, those terms govern the relevant components.
12. Third-Party Services and Resources
12.1 The Service relies on, and may link to or integrate with, services, websites, content and products provided by third parties, including AI Model providers, hosting and authentication providers, email delivery providers, sign-in services, payment processors, App Stores and the organizations listed in the Resources (together, "Third-Party Services"). Third-Party Services are provided by third parties under their own terms and privacy policies. We are not responsible for Third-Party Services, and your use of them is at your own risk. This does not limit our own obligations under these Terms, our Privacy Policy or applicable law.
12.2 Links to third-party websites, including government websites, are provided for your convenience only. We do not control those websites and are not responsible for their content, availability or practices.
12.3 If you use the Service to share a summary or an Assessment through another app (for example, by email or text message), the other app's terms and privacy policy govern that sharing, and we do not control whether or when the recipient receives it.
13. Privacy
13.1 Our Privacy Policy describes how we collect, use, disclose and protect Personal Data, including Personal Data contained in Your Content, and the rights available to you. Before you submit Your Content for a Cloud Check, you should read the Privacy Policy so that you understand that the Reviewed Text will be transmitted to our servers and to our AI Model service providers.
14. Suspension and Termination
14.1 By you. You may stop using the Service at any time and delete your Account through Settings in the App. Account deletion does not cancel a Paid Plan purchased through an App Store (see Section 9.5). You can manage information stored on your device through the App's available controls. Uninstalling the App may not remove operating-system backups, secure-storage credentials, or copies you have exported or shared; those are managed through the relevant device, backup or other service.
14.2 By us. We may suspend or terminate your access to all or part of the Service, or delete your Account, with or without notice, if: (a) you breach these Terms, including Section 8; (b) we are required to do so by law or by a competent authority; (c) we reasonably believe that your use of the Service creates a risk of harm or liability for us, other users or third parties, or involves fraud or abuse; (d) your Account has been inactive for more than 12 consecutive months and you do not have an active Paid Plan; or (e) we discontinue the Service in whole or in part. Where reasonably practicable and lawful, we will notify you in advance and give you an opportunity to remedy the issue.
14.3 Discontinuation. If we discontinue the Service, or terminate your Account for a reason other than your breach of these Terms, we will give you at least 30 days' notice where reasonably practicable, or any longer period required by applicable law. For App Store purchases, refunds are subject to the App Store's policies and applicable law.
14.4 Effect of termination. On termination, your license under Section 11.2 ends and you must stop using the Service. Sections 4, 6.4, 6.6, 11.1, 14.4 and 15 to 22, and any other provisions that by their nature should survive, survive termination.
15. Disclaimer of Warranties
15.1 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE, THE APP, ALL ASSESSMENTS AND THE RESOURCES ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. WE, OUR AFFILIATES AND OUR AND THEIR LICENSORS AND SERVICE PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES, REPRESENTATIONS AND CONDITIONS, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY AND QUIET ENJOYMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
15.2 WITHOUT LIMITING SECTION 15.1, WE DO NOT WARRANT THAT: (A) ANY ASSESSMENT WILL BE ACCURATE, COMPLETE, RELIABLE OR CURRENT; (B) THE SERVICE WILL IDENTIFY ANY OR ALL SCAMS, FRAUD, PHISHING OR MALICIOUS CONTENT; (C) THE SERVICE WILL PREVENT ANY LOSS; (D) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (E) ANY DEFECTS WILL BE CORRECTED; OR (F) ANY INFORMATION, INCLUDING IDENTIFIER DETECTION, TEXT EXTRACTION FROM IMAGES AND THE RESOURCES, WILL BE ACCURATE OR COMPLETE.
15.3 Some jurisdictions do not allow the exclusion of certain warranties, conditions or guarantees, so some of the above exclusions may not apply to you. In that case, those warranties, conditions or guarantees are limited to the minimum extent and duration permitted by applicable law. Nothing in these Terms excludes or limits any warranty, condition, guarantee or right that cannot lawfully be excluded or limited, including the rights described in Section 21.
16. Limitation of Liability
16.1 Excluded losses. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE, OUR AFFILIATES, OR OUR OR THEIR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS OR SERVICE PROVIDERS BE LIABLE FOR: (A) ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES; (B) ANY LOSS OF PROFITS, REVENUE, SAVINGS, BUSINESS OPPORTUNITY, GOODWILL OR DATA; OR (C) ANY LOSS OR DAMAGE ARISING FROM ANY SCAM, FRAUD, IMPERSONATION, THEFT OR OTHER ACT OR OMISSION OF ANY THIRD PARTY, INCLUDING ANY MONEY, FUNDS, ASSETS, GIFT CARDS, CRYPTOCURRENCY OR PROPERTY THAT YOU OR ANY OTHER PERSON SEND, TRANSFER OR LOSE, AND ANY INFORMATION THAT YOU OR ANY OTHER PERSON DISCLOSE, WHETHER OR NOT THE SERVICE WAS USED IN CONNECTION WITH THE RELEVANT MESSAGE AND REGARDLESS OF THE CONTENT OF ANY ASSESSMENT; IN EACH CASE HOWEVER CAUSED, UNDER ANY THEORY OF LIABILITY, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), BREACH OF STATUTORY DUTY OR OTHERWISE, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE.
16.2 Liability cap. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, UNDER ANY THEORY OF LIABILITY, WILL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES THAT YOU ACTUALLY PAID FOR THE SERVICE DURING THE 12 MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE CLAIM; AND (B) FIFTY U.S. DOLLARS (US$50).
16.3 Basis of the bargain. The exclusions and limitations in this Section 16 reflect a reasonable allocation of risk between you and us and form an essential basis of the bargain between us. The Free Plan and the prices of the Paid Plans are set on the basis of these exclusions and limitations, and we would not be able to provide the Service on these terms without them.
16.4 Exceptions. NOTHING IN THESE TERMS EXCLUDES OR LIMITS OUR LIABILITY FOR: (A) DEATH OR PERSONAL INJURY CAUSED BY OUR NEGLIGENCE; (B) FRAUD OR FRAUDULENT MISREPRESENTATION BY US; (C) OUR WILFUL MISCONDUCT; OR (D) ANY OTHER LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW, INCLUDING UNDER MANDATORY CONSUMER PROTECTION LAWS. IF APPLICABLE LAW DOES NOT PERMIT ANY EXCLUSION OR LIMITATION IN THIS SECTION 16, THAT EXCLUSION OR LIMITATION APPLIES TO THE FULLEST EXTENT PERMITTED BY LAW.
17. Indemnification
17.1 To the extent permitted by applicable law, you agree to indemnify, defend and hold harmless us, our affiliates and our and their directors, officers, employees and agents from and against any claims, demands, proceedings, losses, damages, liabilities, fines, costs and expenses (including reasonable legal fees) brought by a third party or a public authority arising out of or relating to: (a) your breach of these Terms, including Section 8; (b) Your Content, including any claim that your submission or sharing of Your Content infringed any person's rights or violated any privacy or data protection law; (c) your use of the Family Features in breach of Section 7.5; or (d) your violation of any applicable law or of any right of a third party.
17.2 We will notify you of any claim for which we seek indemnification, and we may assume the exclusive defense and control of any such claim, in which case you will cooperate with us. You may not settle any such claim without our prior written consent. This Section 17 does not apply to the extent that the claim results from our own breach of these Terms or our negligence.
18. Governing Law, Jurisdiction and Disputes
18.1 Governing law. These Terms, and any dispute or claim (including any non-contractual dispute or claim) arising out of or in connection with them or the Service, are governed by the laws of the State of Israel, without regard to its conflict of laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
18.2 Exclusive jurisdiction. The competent courts located in Tel Aviv-Jaffa, Israel, have exclusive jurisdiction over any dispute or claim arising out of or in connection with these Terms or the Service, and you and we irrevocably submit to the jurisdiction of those courts. Notwithstanding the foregoing, we may seek injunctive or other equitable relief in any court of competent jurisdiction to protect our intellectual property rights or the security of the Service, or to prevent a breach of Section 8.
18.3 Your mandatory consumer rights. If you are a consumer, Sections 18.1 and 18.2 do not deprive you of the protection of any provision of the law of your country, state or province of residence that cannot be excluded or limited by agreement, or of any right that such law gives you to bring proceedings in the courts of the place where you live. Section 21 describes how this Section 18 applies in certain jurisdictions.
18.4 Informal resolution first. Before starting any court proceedings, you and we agree to try to resolve any dispute informally. The party raising the dispute must send a written notice describing the dispute and the relief sought (a "Dispute Notice"), in your case to support@scamverifier.app and in our case to the email address associated with your Account. If the dispute is not resolved within 30 days after the Dispute Notice is received, either party may start proceedings in accordance with this Section 18. This Section 18.4 does not prevent either party from seeking urgent interim relief, and any limitation period is suspended for the duration of the informal resolution period to the extent permitted by applicable law.
18.5 Individual claims. To the extent permitted by applicable law, you and we agree that each of us may bring claims against the other only in an individual capacity, and not as a plaintiff or member of any class, collective or representative proceeding.
18.6 Time limit for claims. To the extent permitted by applicable law, any claim arising out of or relating to these Terms or the Service must be brought within one (1) year after the claim arose; otherwise, the claim is permanently barred.
19. Changes to These Terms and to the Service
19.1 Changes to these Terms. We may amend these Terms from time to time, for example to reflect changes to the Service, to our business, or to applicable law. If we make a material change, we will notify you at least 30 days before it takes effect, by email, by an in-app notice or by other reasonable means, unless the change is required by law or is needed urgently to address security, fraud or abuse, in which case it may take effect sooner. Where required by applicable law, we will ask for your consent to the change.
19.2 Your options. If you do not agree to a change, you may stop using the Service and delete your Account before the change takes effect. If you continue to use the Service after the change takes effect, you will be bound by the amended Terms. Amendments do not apply to any dispute of which we had actual notice before the amendment took effect.
19.3 Changes to the Service. We may modify, add or remove features of the Service, and may change or replace any AI Model or service provider, at any time. If a change materially reduces the core functionality of a Paid Plan that you have already paid for, we will notify you at least 30 days in advance where reasonably practicable, or for any longer period required by applicable law. You may cancel your Paid Plan; App Store refunds remain subject to App Store policies and applicable law.
20. App Store Terms
20.1 General. This Section 20 applies if you download the App from an App Store. If this Section 20 conflicts with the rest of these Terms, this Section 20 prevails with respect to your use of the App downloaded from that App Store.
20.2 Apple. If you download the App from the Apple App Store, you and we acknowledge and agree that:
(a) these Terms are concluded between you and us only, and not with Apple Inc. ("Apple"), and we, not Apple, are solely responsible for the App and its content;
(b) your license to use the App is limited to a non-transferable license to use the App on any Apple-branded products that you own or control, as permitted by the usage rules set out in the Apple Media Services Terms and Conditions, except that the App may be accessed by other accounts associated with you through Family Sharing or volume purchasing;
(c) we are solely responsible for providing any maintenance and support services for the App, and Apple has no obligation whatsoever to furnish any maintenance or support services for the App;
(d) we are solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. If the App fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) of the App to you. To the maximum extent permitted by applicable law, Apple has no other warranty obligation whatsoever with respect to the App, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty are our responsibility, to the extent not effectively disclaimed in these Terms;
(e) we, not Apple, are responsible for addressing any claims by you or any third party relating to the App or your possession and use of the App, including (i) product liability claims, (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement, and (iii) claims arising under consumer protection, privacy or similar legislation;
(f) in the event of any third-party claim that the App or your possession and use of the App infringes that third party's intellectual property rights, we, not Apple, are solely responsible for the investigation, defense, settlement and discharge of that claim, to the extent required by these Terms;
(g) you represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country, and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties;
(h) our name, address and contact details for any questions, complaints or claims regarding the App are set out in Section 23;
(i) you must comply with applicable third-party terms of agreement when using the App, for example your wireless data service agreement; and
(j) Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
20.3 Google. If you download the App from Google Play, you acknowledge that these Terms are between you and us only and not with Google LLC or its affiliates ("Google"), that Google is not responsible for the App, and that your use of Google Play is subject to the Google Play Terms of Service.
21. Additional Regional Terms
21.1 United States.
(a) California. Under California Civil Code Section 1789.3, California users are entitled to the following consumer rights notice: the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.
(b) New Jersey and other states. Some of the disclaimers, exclusions and limitations in Sections 15, 16 and 17 may not apply to you under the laws of your state, including the New Jersey Truth-in-Consumer Contract, Warranty and Notice Act. Those provisions apply only to the extent permitted by the laws of your state.
(c) Consumer reviews. Nothing in these Terms restricts your right to publish an honest review of, or other communication about, the Service.
21.2 United Kingdom.
(a) Statutory rights. If you are a consumer in the United Kingdom, you have legal rights in relation to digital content and services that are not as described, not fit for purpose, not of satisfactory quality, or not provided with reasonable care and skill. Nothing in these Terms affects those rights. Advice about your legal rights is available from your local Citizens Advice or Trading Standards office.
(b) App Store purchases. The App Store's cancellation and refund terms apply to App Store purchases, in addition to any statutory rights you have.
(c) Liability. Section 16 does not exclude or limit our liability for loss or damage that is a reasonably foreseeable result of our breach of these Terms or our failure to use reasonable care and skill, to the extent that such exclusion or limitation is not permitted under the Consumer Rights Act 2015. Section 16.1(B) applies only to losses incurred in the course of any business, trade, craft or profession.
(d) Unfair terms. Sections 17, 18.5 and 18.6 do not apply to you to the extent that they would be unfair under Part 2 of the Consumer Rights Act 2015.
(e) Courts. If you are a consumer resident in the United Kingdom, you may bring proceedings in respect of these Terms in the courts of the part of the United Kingdom in which you live, and the mandatory provisions of the law of that part of the United Kingdom will apply in addition to Israeli law.
21.3 Canada.
(a) Consumer protection. If you are a consumer resident in Canada, you have the benefit of any mandatory provisions of the consumer protection laws of your province or territory of residence, and nothing in these Terms limits those rights. Sections 17 and 18.5 do not apply to you to the extent prohibited by those laws.
(b) Quebec. If you are a consumer resident in Quebec: (i) the Consumer Protection Act (Quebec) applies, and any provision of these Terms that is prohibited by or inconsistent with that Act does not apply to you; (ii) Section 18.2 does not prevent you from bringing proceedings in the courts of Quebec, and Section 18.5 does not apply to you; and (iii) Section 16 does not exclude our liability for our own acts or those of our representatives.
21.4 Australia.
(a) Australian Consumer Law. If you are a consumer in Australia, our services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the service, you are entitled to cancel your service contract with us and to a refund for the unused portion, or to compensation for its reduced value. You are also entitled to be compensated for any other reasonably foreseeable loss or damage. If a failure does not amount to a major failure, you are entitled to have problems with the service rectified in a reasonable time and, if this is not done, to cancel your contract and obtain a refund for the unused portion of the contract.
(b) Effect on these Terms. Nothing in these Terms excludes, restricts or modifies any guarantee, right or remedy that you have under the Australian Consumer Law or any other law that cannot lawfully be excluded, restricted or modified.
(c) Unfair terms. Sections 17, 18.5 and 18.6 apply to you only to the extent that they are not unfair contract terms under the Australian Consumer Law.
(d) Courts. Section 18.2 does not prevent you from bringing proceedings in a court or tribunal in Australia that has jurisdiction under the law of your state or territory of residence.
22. General Provisions
22.1 Entire agreement. These Terms, together with any Additional Terms, constitute the entire agreement between you and us regarding the Service and supersede all prior agreements, understandings and communications regarding their subject matter.
22.2 Severability. If any provision of these Terms is held invalid, illegal or unenforceable, that provision will be enforced to the maximum extent permissible, or, if it cannot be so enforced, will be severed, and the remaining provisions will continue in full force and effect.
22.3 Assignment. You may not assign or transfer these Terms or any of your rights or obligations under them without our prior written consent. We may assign or transfer these Terms, in whole or in part, including in connection with a merger, acquisition, reorganization or sale of assets, provided that the assignment does not reduce your rights under these Terms.
22.4 No waiver. Our failure or delay in enforcing any provision of these Terms is not a waiver of our right to enforce it later.
22.5 Force majeure. We are not liable for any failure or delay in performing our obligations caused by events beyond our reasonable control, including failures of third-party service providers, telecommunications or internet networks, power failures, natural disasters, epidemics, war, hostilities, terrorism, civil unrest, labor disputes, cyberattacks or acts of government.
22.6 Electronic communications. You agree that we may communicate with you electronically, including by email and through in-app notices, and that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. Notices to you are deemed received when sent to the email address associated with your Account or displayed in the App. Except for a Dispute Notice sent under Section 18.4, legal notices to us must be sent to support@scamverifier.app and to our mailing address set out in Section 23.
22.7 Language. These Terms are drafted in English. If we provide a translation, the English version prevails to the extent permitted by applicable law.
22.8 Export controls and sanctions. You must comply with all applicable export control and sanctions laws in connection with your use of the Service.
22.9 Relationship. Nothing in these Terms creates any partnership, joint venture, agency, fiduciary or employment relationship between you and us.
22.10 Third-party beneficiaries. Except as provided in Section 20.2(j) and except for the persons protected by Sections 16 and 17, no third party has any right to enforce these Terms.
22.11 Interpretation. No rule of construction requiring interpretation against the drafting party applies to these Terms, to the extent permitted by applicable law.
23. Contact Us
23.1 If you have any questions, complaints or claims regarding these Terms or the Service, please contact us:
Company: Schultz Corp Ltd.
Business address: Simta Almonit 7, Tel Aviv, Israel; mailing address: P.O. Box 3261, Tel Aviv 6103201, Israel
Support: support@scamverifier.app or through Contact Support in the App
Legal notices: support@scamverifier.app