Unscammed AI LLC
Applicable Jurisdiction: United States
Effective Date: January 20, 2026
This version of the Terms of Service applies exclusively to users located in the United States. If you are located elsewhere, a different regional version of these Terms may apply; contact customer-support@unscammed.com for the applicable version.
1. Acceptance of Terms
By accessing, browsing, registering for, or using any website, application, platform, software, tool, content, or service provided by Unscammed AI LLC (the “Company,” “Unscammed,” “we,” “us,” or “our”), you (“User,” “you,” or “your”) acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service (the “Terms”).
If you do not agree to these Terms, you must not access or use the Services.
Nothing in these Terms excludes, restricts, or limits any mandatory consumer rights or statutory protections available to you under applicable law in the United States.
These Terms are governed primarily by U.S. federal law and the laws of the State of California, together with applicable state consumer protection statutes. Where any provision of these Terms conflicts with mandatory U.S. federal or state law, the mandatory law prevails to the extent of the conflict.
2. Description of Services
The Company provides cybercrime and scam-related support services intended to assist individuals and businesses in identifying, documenting, and responding to suspected fraud, scams, or cyber-enabled crime (the “Services”), which may include, without limitation:
a. Administrative preparation and submission of reports to law enforcement agencies, regulators, financial institutions, or other relevant authorities on the users behalf;
b. Guidance and administrative support in documenting and reporting cybercrime incidents;
c. Analysis of suspected scam activity using publicly available information and customer-supplied data;
d. Cyber hygiene education, scam awareness training, and personal data exposure assessments;
e. Searching for and submitting opt-out or removal requests to data broker and people-search websites;
f. Live or near-real-time scam analysis and detection tools;
g. Educational programs and simulations designed to improve scam awareness and prevention;
h. Business Plans: subscription plans through which a business or other organization may purchase scam-awareness training, simulations, and related educational Services for its employees, contractors, or other personnel, as further described in Section 7 (Business Plans);
i. Dark web monitoring, data broker removal, and breach scanning services, provided in partnership with Array (“Array”), an independent third-party provider. These services are available to users in all supported regions.
j. Access to optional cyber and scam insurance coverage of up to one million dollars (US$1,000,000), provided exclusively by Array, an independent, licensed third-party insurance provider. This insurance product is currently available only to users located in the United States.
2.1 Regulatory and Professional Disclaimer
The Services:
- Do not constitute regulated legal, financial, insurance, cybersecurity, or law-enforcement services in any jurisdiction;
- Are provided for informational, educational, and administrative purposes only;
- Do not replace independent professional advice where such advice is required or appropriate.
For users located in the United States, these Services do not constitute regulated legal, financial, or insurance advice under federal or state law. Users seeking such advice should consult qualified, licensed professionals in their state.
2.2 Insurance Disclaimer
The Company:
- Is not an insurer, insurance broker, intermediary, underwriter, or claims administrator;
- Does not bind insurance coverage, assess claims, or make coverage determinations;
- Makes no representations regarding insurance eligibility, acceptance, pricing, or claim outcomes.
Where insurance coverage is made available through the Services, it is provided exclusively by Array, an independent, licensed third-party insurance provider. Coverage of up to one million dollars (US$1,000,000) is available under Array’s insurance product, with the specific coverage amount, terms, and eligibility determined solely by Array.
Coverage becomes active from the date of purchase and continues for the billing period selected at checkout, either monthly or annually, depending on the coverage plan chosen. Renewal, lapse, and reinstatement of coverage are governed by Array’s policy terms.
All insurance claims must be submitted directly to, and shall be received, processed, administered, and adjudicated solely by, Array in accordance with Array’s claims process and policy terms. The Company does not process, review, approve, deny, or otherwise participate in any insurance claim decision. The filing body or claims-handling authority responsible for receiving and processing a claim is standardised according to the User’s country of residence, consistent with Array’s applicable regional claims procedures and local insurance regulations.
All insurance products are governed solely by the terms and conditions of the issuing insurer.
3. Eligibility
You represent and warrant that:
a. You are at least the applicable age of majority in your jurisdiction, or have legal authority to act on behalf of another individual or entity;
b. All information you provide is accurate, current, and complete;
c. You have not previously been suspended, terminated, or restricted from using the Services for misuse or unlawful conduct.
In the United States, the age of majority is 18 in most states (19 in Alabama and Nebraska, and 21 in Mississippi). You must meet the applicable age requirement in your state of residence.
Where you access the Services because your employer or another organization has enrolled you under a Business Plan, Section 7 (Business Plans) also applies to your use of the Services.
4. Account Registration and Login
The Services use passwordless authentication. Instead of a password, we send a one-time passcode (“OTP”) to the email address associated with your account each time you sign in. No password is created, stored, or required to access the Services.
You are responsible for maintaining the security and exclusive control of the email account associated with your Unscammed account. Because OTP codes are delivered to that email account, anyone with access to it may be able to access your Unscammed account. You should use a strong, unique password on your email account and enable any multi-factor authentication your email provider offers.
An OTP code is single-use and expires after a short period. You must not share an OTP code, or any other login link or code sent to you, with any other person. The Company will never ask you to read out, forward, or enter your OTP code anywhere other than the Services’ own login screen, and will never contact you by phone, text, or chat to request it.
If you believe your email account or your Unscammed account has been accessed without your authorization, you must notify us immediately at customer-support@unscammed.com. The Company is not responsible for unauthorized access to your Unscammed account arising from a compromise of your email account or device that is outside the Company’s control.
Where your account is provisioned by an organization under a Business Plan, that organization’s administrator may be able to add, suspend, or remove your access to the Services; see Section 7 (Business Plans) for further detail.
5. Client Obligations
You agree to:
a. Provide truthful, accurate, and complete information;
b. Cooperate reasonably with Service processes;
c. Use the Services lawfully, ethically, and in good faith;
d. Refrain from misusing any reports, outputs, tools, or content for deceptive, unlawful, or abusive purposes.
You acknowledge that failure to comply may result in suspension or termination of access.
6. Fees and Payment
Certain Services may require payment of fees, including one-time fees or recurring subscription charges.
All fees will be disclosed prior to purchase and where necessary confirmed through an order form, quote, or service agreement. Except as required by applicable law, or as set out in Section 6.1 (Cancellation & Refunds), all fees are non-refundable once Services have commenced.
Certain purchases made by consumers in California and other U.S. states may carry additional statutory cancellation or refund rights that cannot be waived by contract; nothing in this section limits those rights.
6.1 Cancellation & Refunds Policy
Except where a longer or more protective statutory cancellation or refund right applies under applicable law, the following cancellation and refund policy applies to all subscriptions:
a. Upon cancellation, access to the Services will remain active until the end of the current billing month.
b. For annual subscriptions, any unused, remaining full months of the subscription term will be automatically refunded on a pro-rated basis upon cancellation.
c. For monthly subscriptions, fees already paid for the current billing month are non-refundable.
7. Business Plans
The Company offers subscription plans designed for businesses and other organizations to provide scam-awareness training, simulations, and related educational Services to their employees, contractors, or other personnel (each, a “Business Plan,” and the purchasing organization, a “Business Customer”).
a. Authority to Enter Agreement: The individual who signs up for a Business Plan on behalf of an organization represents and warrants that they have the authority to bind that organization to these Terms.
b. Personnel Enrollment: A Business Customer may enroll its personnel in the Services by providing their name and email address, or by inviting personnel to self-register under the Business Customer’s account. The Business Customer is solely responsible for obtaining any consents, providing any notices, and satisfying any other requirements under applicable law (including applicable employment and privacy law) before enrolling personnel in the Services.
c. Administrator Access: A Business Customer’s designated administrator(s) may be able to view aggregate or individual training completion, participation, and simulation results for enrolled personnel, add or remove enrolled personnel, and manage billing for the Business Plan.
d. Fees and Billing: Fees for Business Plans may be billed per seat, per organization, or on another basis agreed with the Business Customer, and may be invoiced separately from individual consumer subscriptions. Except as otherwise agreed in a separate order form or service agreement, the cancellation and refund terms in Section 6.1 (Cancellation & Refunds) apply to Business Plans.
e. Consumer Rights Not Extended to Business Customers: Except where mandatory law provides otherwise, the consumer-protection provisions of these Terms (including Section 10) are intended for individual consumers and do not apply to a Business Customer acting in the course of its trade, business, or profession. Individual personnel enrolled by a Business Customer retain their own rights under Section 10 in respect of their personal information.
8. No Guarantee of Recovery
You expressly acknowledge and agree that:
a. The Company does not guarantee the recovery or return of funds, digital assets, or personal data;
b. Any opinions, estimates, assessments, or indicators provided are non-binding and informational only;
c. Outcomes depend on third parties beyond the Company’s control;
d. You remain solely responsible for safeguarding your accounts, reporting incidents, and mitigating losses.
9. Data Protection and Privacy
The Company processes personal data in accordance with applicable privacy laws, including the California Consumer Privacy Act (CCPA/CPRA) and other applicable U.S. state and federal privacy statutes.
9.1 U.S. Privacy Law Compliance (CCPA/CPRA)
Processing is conducted based on contractual necessity, consent, legitimate business purpose, or legal obligation. We may from time to time share your data with third parties including but not limited to government bodies, third-party service providers, and/or banks, in accordance with our Privacy Policy.
Under the CCPA/CPRA, California residents have the right to know what personal information is collected, to request deletion (subject to exceptions), to correct inaccurate information, to opt out of the sale or sharing of personal information, and to be free from discrimination for exercising these rights. To exercise these rights, contact customer-support@unscammed.com.
9.2 Security Measures
The Company implements reasonable technical and organizational safeguards, including encryption, access controls, and confidentiality obligations.
9.3 Data Storage and International Transfers
The Services are operated using servers and infrastructure located in the United States. By accessing or using the Services, you acknowledge that your information, including personal data, may be transferred to, stored, and processed in the United States and other jurisdictions.
9.4 Breach Notification
The Company maintains procedures for responding to security incidents involving personal data.
In the event of a breach affecting your personal information, the Company will notify affected individuals and applicable state regulators as required under applicable U.S. state and federal breach notification laws.
9.5 Recording and Monitoring Consent
Where real-time call, message, or communication analysis is enabled, you are solely responsible for obtaining all legally required consents from all participants. The Company disclaims all liability arising from unlawful recording or monitoring.
Users must comply with applicable U.S. federal and state wiretapping and recording consent laws, which vary by state (including one-party and two-party consent states).
9.6 Data Subject Rights
Where required by law, the Company will respond to verified data-subject requests within statutory timelines. To submit a rights request, contact customer-support@unscammed.com.
10. U.S. Consumer Rights
If you are located in the United States:
- These Terms do not limit statutory consumer protections available under applicable U.S. federal or state law;
- You may bring claims in the courts of your state of residence to the extent permitted by applicable law;
- Arbitration provisions in Section 16 apply only where lawful.
11. Third-Party Services
The Services may involve coordination with third parties, including law enforcement agencies, financial institutions, insurers, or professional service providers.
The Company is not responsible for the actions, decisions, omissions, delays, or outcomes of any third party.
12. Prohibited Use
You must not:
a. Submit false, misleading, or fraudulent information;
b. Impersonate another person or entity;
c. Upload unlawful, harmful, or unauthorized content;
d. Circumvent security controls or safeguards;
e. Reuse, copy, distribute, or exploit Company content without written permission.
13. Intellectual Property
All software, content, branding, reports, documentation, and materials are the exclusive property of Unscammed AI LLC or its licensors and are protected by intellectual property laws. No rights are granted except as expressly stated.
14. Limitation of Liability
To the maximum extent permitted by law:
a. Services are provided “as is” and “as available”;
b. All implied warranties are disclaimed.
Nothing in these Terms excludes liability for death or personal injury caused by negligence, fraud, or any liability that cannot be excluded under applicable law.
Where legally permitted, the Company’s total aggregate liability shall not exceed the amount paid by you in the twelve (12) months preceding the claim.
15. Fair Use and Service Limits
The Company reserves the right to impose reasonable usage limits, throttle access, or suspend Services to prevent abuse or ensure service quality.
16. Dispute Resolution
Disputes shall be resolved through binding arbitration under AAA rules in California, where legally permitted. Nothing in this section limits any right you have under applicable state law to bring a claim in small claims court.
17. Termination
The Company may suspend or terminate access immediately for violation of these Terms. Upon termination, access to Services may be revoked, subject to legal data-retention obligations.
18. Governing Law
These Terms are governed by the laws of the State of California, without prejudice to mandatory consumer protections available to you under the law of your country or state of residence.
19. Changes to Terms
The Company may modify these Terms at any time. Material changes will be communicated. Continued use constitutes acceptance.
20. Contact Information
Unscammed AI LLC
Email: customer-support@unscammed.com
21. General Legal Provisions
21.1 Severability
If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.
21.2 No Waiver
Failure by the Company to enforce any right or provision shall not constitute a waiver of such right or provision.
21.3 Assignment
You may not assign or transfer these Terms without prior written consent. The Company may freely assign these Terms in connection with a merger, acquisition, restructuring, or sale of assets.
21.4 Entire Agreement
These Terms constitute the entire agreement between you and the Company regarding the Services and supersede all prior agreements or understandings.
21.5 Force Majeure
The Company shall not be liable for failure or delay resulting from events beyond its reasonable control, including acts of God, government actions, network failures, or labor disputes.
21.6 Survival
Sections relating to liability, data protection, intellectual property, dispute resolution, and general legal provisions shall survive termination.
21.7 Interpretation
Headings are for convenience only and shall not affect interpretation. Any ambiguities shall not be construed against the drafting party.
Acknowledgement
By using the Services, you acknowledge that you have read, understood, and agreed to these Terms.
Last updated: August 2026