Terms of Service

1. Acceptance of Terms

By accessing or using The Fraud Codex website at thefraudcodex.com (the “Site”), including the Fraud Scanner, Codex Encyclopedia, OSINT Tools, and all related services (collectively, the “Services”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use the Site or Services.

These Terms constitute a legally binding agreement between you (“User,” “you,” or “your”) and The Fraud Codex (“we,” “us,” or “our”).

2. Description of Services

The Fraud Codex provides:

• Fraud Scanner: An AI-powered tool that analyzes URLs, email addresses, phone numbers, cryptocurrency references, and free-text descriptions using open-source intelligence (OSINT), public databases, third-party data sources, and artificial intelligence
• Codex Encyclopedia: A curated database of scam types, fraud tactics, and protective information
• Threat Intelligence: Aggregated news and alerts from government agencies and security publications
• OSINT Tools: Open-source intelligence reference tools

3. Nature of Information Provided

ALL INFORMATION PROVIDED THROUGH THE SERVICES IS FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY.

The Services do not provide and shall not be construed as providing:

• Legal advice or legal opinions
• Financial, investment, or tax advice
• Law enforcement services or investigations
• Definitive fraud determinations or certifications of legitimacy
• Consumer credit reporting or background check services
• Any other form of professional counsel

You should always consult qualified professionals (attorneys, financial advisors, law enforcement agencies) before making decisions based on information from the Services.

4. Accuracy and Limitations

You expressly acknowledge and agree that:

• AI-generated analysis may contain errors, omissions, false positives, or false negatives
• OSINT and public database information may be incomplete, outdated, inaccurate, or misleading
• Third-party data sources are not controlled by us and may contain errors
• Risk scores and threat assessments are algorithmic estimates, not definitive determinations
• A low risk score does not guarantee that a URL, entity, or situation is safe or legitimate
• A high risk score does not constitute a finding or accusation of fraud
• Results reflect a point-in-time analysis and may not reflect current conditions
• The AI models powering our analysis have known limitations and may hallucinate, misinterpret, or generate incorrect conclusions
• We do not verify the completeness or accuracy of data from third-party sources

5. User Responsibilities

By using the Services, you agree to:

• Use the Services only for lawful purposes
• Not submit your own passwords, Social Security numbers, banking credentials, or other sensitive personal information through the scanner
• Not use scan results to defame, harass, stalk, threaten, or harm any person or entity
• Not publicly present scan results as definitive proof of fraud without independent verification
• Not attempt to reverse engineer, decompile, or exploit the Services
• Not use automated tools (bots, scrapers) to access the Services in a manner that exceeds reasonable use
• Not use the Services to facilitate any illegal activity
• Comply with all applicable local, state, national, and international laws and regulations

6. Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We expressly disclaim all warranties, including but not limited to:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties of accuracy, reliability, completeness, or timeliness of information
• Warranties of non-infringement
• Warranties that the Services will be uninterrupted, error-free, or secure
• Warranties regarding the results that may be obtained from use of the Services

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE FRAUD CODEX, ITS OWNERS, OPERATORS, DEVELOPERS, CONTRIBUTORS, AFFILIATES, OR DATA PROVIDERS (COLLECTIVELY, THE “RELEASED PARTIES”) BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Any loss of profits, revenue, data, or business opportunities
• Any damages arising from reliance on scan results or analysis
• Any damages arising from decisions made or actions taken based on information provided
• Any damages exceeding one hundred U.S. dollars ($100)

This limitation applies regardless of the legal theory (contract, tort, strict liability, or otherwise), even if we have been advised of the possibility of such damages.

8. Hold Harmless & Indemnification

You agree to hold harmless, indemnify, and defend the Released Parties from and against any and all claims, demands, damages, losses, costs, expenses (including reasonable attorneys’ fees), and liabilities of any kind arising from or related to:

• Your use of, or inability to use, the Services
• Your reliance on any information provided by the Services
• Your violation of these Terms
• Your violation of any rights of a third party
• Your violation of any applicable law or regulation
• Any content you submit to the Services
• Any third-party claims arising from your use of the Services

9. Intellectual Property

All content on the Site, including text, graphics, logos, icons, images, code, and software, is the property of The Fraud Codex or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

The Codex encyclopedia entries contain information compiled from publicly available government sources (FBI, FTC, DOJ, SEC, CISA) and other public sources. Source attributions are provided where applicable.

10. Daily Scan Limits

Free scan usage is limited to 3 scans per day per device. This limit resets at midnight (local time). We reserve the right to modify, suspend, or discontinue the free scan service at any time without notice.

11. Third-Party Links and Services

The Site may contain links to third-party websites, government agencies, and external services. We are not responsible for the content, accuracy, or practices of any third-party sites. Inclusion of any link does not imply endorsement.

12. Service Availability

We do not guarantee uninterrupted access to the Services. We may modify, suspend, or discontinue any aspect of the Services at any time, with or without notice. We shall not be liable for any modification, suspension, or discontinuance of the Services.

13. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with applicable federal law and the laws of the state in which The Fraud Codex operates, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Services shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration administered under the rules of a nationally recognized arbitration provider, with the arbitration taking place in the jurisdiction where The Fraud Codex operates.

14. 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 so that the remaining provisions remain in full force and effect.

15. Entire Agreement

These Terms, together with the Privacy Policy and the Disclosure & Hold Harmless Agreement presented before each scan, constitute the entire agreement between you and The Fraud Codex regarding use of the Services.

16. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by updating the “Last Updated” date. Your continued use of the Services after changes constitutes acceptance of the revised Terms.

17. Contact Information

For questions about these Terms, contact us at:

The Fraud Codex
Email: legal@thefraudcodex.com
Website: thefraudcodex.com