Disclaimer & Terms of Service

Educational Information Only

This application ("App") provides general educational content about common scam patterns, fraud awareness, and risk-reduction strategies. The content is intended for informational and educational purposes only. It does not constitute legal, financial, tax, cybersecurity, or other professional advice.

No professional-client relationship is created through use of the App. Users should consult qualified professionals for advice tailored to their specific circumstances.

No Guarantee of Protection

Scam tactics evolve continuously and may vary by geography, technology, and individual circumstance. While the App aims to present accurate and practical information, the developer makes no representations or warranties regarding the completeness, accuracy, reliability, or timeliness of the content.

Use of the App does not guarantee protection from fraud, financial loss, identity theft, or other harm. The App does not claim to identify or cover all possible scam methods or variations.

User Responsibility

Users are solely responsible for evaluating and responding to any suspicious communication, including phone calls, text messages, emails, social media messages, or in-person requests.

Users should independently verify any request for personal, financial, or sensitive information by contacting the relevant organization using official, independently verified contact information (for example, phone numbers listed on the back of a bank card or on an official website).

The developer assumes no responsibility for decisions made or actions taken based on the information provided in the App.

No Affiliation or Endorsement

The App is not affiliated with, endorsed by, sponsored by, or officially connected to any government agency, financial institution, law enforcement agency, tax authority, charity, corporation, or other organization referenced in educational examples.

Any references to such entities are used solely for illustrative and educational purposes.

Limitation of Liability

To the fullest extent permitted by applicable law, the developer and any related parties shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to:

• Use of or inability to use the App;
• Reliance on any information provided within the App; or
• Any fraud, scam, or criminal act committed by third parties.

No Warranties

The App is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Emergency Situations

The App is not an emergency service and does not provide real-time monitoring or assistance. If you believe you are the victim of fraud, identity theft, or any criminal activity, contact your financial institution and local law enforcement immediately.

Jurisdiction

This Disclaimer shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which the developer operates, without regard to conflict of law principles.

Apple Standard EULA

Where the app is distributed through the Apple App Store, the Apple Standard EULA also applies. Please read it for additional terms that govern your use of the app on Apple devices.