Consumer Subscription Terms

Overview

These Consumer Subscription Terms apply to paid SecureFi.AI plans, free trials, promotional offers, founding member offers, friend and family founder codes, organization-sponsored access, plan limits, billing, cancellation, and related subscription features.

These Subscription Terms supplement the SecureFi.AI Terms of Use and Privacy Policy. If there is a conflict between these Subscription Terms and the general Terms of Use regarding paid subscription billing, these Subscription Terms control for that issue.

Subscription Plans

SecureFi.AI may offer free plans, paid personal plans, paid professional plans, paid advisor plans, paid family plans, paid organization plans, founding member plans, promotional plans, beta plans, trial plans, and other plans.

Available plans, prices, features, check-in limits, AI Advisor limits, Evidence Pack limits, data broker tracking features, Advanced Threats access, family features, organization features, and billing periods will be displayed at the time of purchase.

SecureFi.AI may modify, add, remove, rename, or retire plans prospectively.

Free Plans

SecureFi.AI may offer a free plan with limited features, limited check-ins, limited history, limited access to Advanced Threats, limited or no AI Advisor access, limited or no Evidence Pack access, and other limits.

Free plan limits may change at any time. SecureFi.AI may suspend, restrict, or terminate free accounts that violate the Terms of Use, exceed fair-use limits, create abuse risk, or create operational risk.

Paid Plans

Paid plans may include access to additional check-ins, saved history, Advanced Threats, AI Advisor, Evidence Pack, proactive alerts, Minor & Teen resources, data broker tracking, family features, organization features, or other features.

Paid plan features vary by plan tier. Feature availability may also depend on billing period, trial status, promotional status, founding member status, organization account status, or technical availability.

SecureFi.AI may impose fair-use limits, rate limits, cost controls, token limits, storage limits, or abuse-prevention limits on any plan.

Check-In Limits

SecureFi.AI uses the term "check-in" to describe a user-submitted item, concern, message, link, voicemail transcript, app link, AI answer, phone call description, money request, family concern, or similar input submitted for review.

Plans may include a limited number of check-ins per month or billing period. Check-in allowances are not cash equivalents, are not transferable, and may not roll over unless expressly stated.

SecureFi.AI may count a check-in when the user submits content for analysis, even if the output is later saved, dismissed, or not used. SecureFi.AI may prevent additional check-ins when a user reaches the applicable plan limit.

AI Advisor Limits

AI Advisor may be available only on certain plans. AI Advisor may be subject to daily message limits, context limits, token limits, conversation history limits, cost controls, circuit breakers, rate limits, fair-use limits, and temporary unavailability.

SecureFi.AI may temporarily restrict AI Advisor access to protect the service, control abuse, manage costs, respond to provider outages, or comply with safety controls.

AI Advisor message allowances are not cash equivalents, are not transferable, and may not roll over unless expressly stated.

Evidence Pack Limits

Evidence Pack may be available only on certain plans. Certain plans may include a limited number of Evidence Packs, one active Evidence Pack, unlimited Evidence Packs, PDF export, or other features.

Evidence Pack helps users document incidents, but SecureFi.AI does not guarantee recovery of funds, restoration of accounts, success of reports, acceptance by law enforcement, acceptance by banks, or any other outcome.

SecureFi.AI does not submit reports, contact banks, contact law enforcement, contact government agencies, contact hotlines, contact attorneys, or contact other third parties on the user's behalf unless a separate written agreement expressly says otherwise.

Family and Household Plans

Family or household plans may allow a user to use SecureFi.AI for themselves and a limited number of family members, household members, or people they assist, subject to plan limits.

Family plan users are responsible for obtaining permission or lawful authority before submitting content about another person.

Family and household plan features may include shared check-in allowances, household profiles, family safety content, Minor & Teen guidance, or related features. SecureFi.AI may modify family plan features prospectively.

Organization-Sponsored Access

SecureFi.AI may provide access through an employer, membership organization, financial institution, legal firm, school, association, partner, government contractor, or other organization.

Organization-sponsored access may be subject to seat limits, contract terms, manual provisioning, organization billing, plan tier restrictions, eligibility requirements, and additional terms.

Unless otherwise stated in a separate written agreement or authorized by the user, organizational sponsors may receive seat status, subscription status, aggregate usage information, and account administration information, but should not receive individual check-in content, AI Advisor conversations, Evidence Packs, or personal submitted content.

Founding Member Plans

SecureFi.AI may offer founding member pricing, founding member status, or promotional rates to early users during a defined founding member period.

Founding member pricing and features will be described at the time of offer. Founding member status does not guarantee that pricing or features will be grandfathered indefinitely.

SecureFi.AI may close the founding member offer at any time and at its discretion.

Promotional Plans and Founder Codes

SecureFi.AI may offer promotional pricing, referral codes, friend and family codes, discount codes, or other promotional offers.

Promotional codes may be subject to eligibility requirements, expiration dates, plan restrictions, one-time use limits, and other terms described at the time of the offer.

SecureFi.AI may discontinue promotional offers at any time.

Free Trials

SecureFi.AI may offer free trials for certain paid plans. Trial terms, duration, and features will be described at the time of offer.

If a paid subscription is not canceled before the trial ends, SecureFi.AI or the applicable billing platform will begin charging the applicable plan price. Users are responsible for reviewing trial end dates.

Billing

Paid subscriptions are billed on a recurring basis (monthly or annual) through the applicable payment processor.

Billing occurs at the start of each billing period unless otherwise stated.

SecureFi.AI may update pricing for future billing periods with notice as required by applicable law, platform rules, or applicable subscription terms.

Web-Only Billing

Paid subscriptions for SecureFi.AI are purchased and managed through the SecureFi.AI website at securefi.ai. In-app purchases through Apple App Store or Google Play billing are not currently available.

To subscribe or manage your subscription, visit securefi.ai from your web browser.

Cancellation

You may cancel your subscription at any time through the SecureFi.AI account billing section or by contacting support.

Cancellation stops future billing. Depending on the billing platform and timing, you may retain access to paid features through the end of the current billing period.

SecureFi.AI does not provide refunds except as required by applicable law or platform rules.

Refunds

SecureFi.AI does not provide refunds except as required by applicable law, consumer protection rules, or the applicable billing platform's refund policy.

If you believe you are entitled to a refund under applicable law, contact [Insert Contact Email].

Account Suspension or Termination

SecureFi.AI may suspend or terminate access for violations of the Terms of Use, nonpayment, suspected abuse, security risk, excessive usage, unlawful conduct, or operational necessity.

If access is terminated due to a violation, SecureFi.AI is not obligated to provide a refund except as required by applicable law.

Changes to Plans and Pricing

SecureFi.AI may change pricing, plan limits, plan features, or available plans prospectively. Material changes to pricing for existing paid subscribers will be communicated in advance as required by applicable law, platform rules, or applicable subscription terms.

Continued use after changes become effective means you accept the updated terms.

Contact

Questions about subscriptions, billing, cancellation, or refunds may be directed to:

[Insert Contact Email] SecureFi, Inc. [Insert Mailing Address]