Terms of Use

Acceptance of Terms

These Terms of Use govern your access to and use of SecureFi.AI, including our website, application, beta tools, check-in features, AI-assisted analysis, AI Advisor, Advanced Threats, Threat Intel, Resources, Evidence Pack, Self-Certify integrity notices, reports, results, and related services.

By accessing or using SecureFi.AI, you agree to these Terms. If you do not agree, you should not use SecureFi.AI.

If you use SecureFi.AI on behalf of another person, family member, household member, organization, employer, client, or other third party, you represent that you have authority or permission to do so.

What SecureFi.AI Does

SecureFi.AI provides confidence-based risk guidance, source verification support, threat awareness, and practical next-step guidance for suspicious, uncertain, or concerning situations.

Users may submit or describe messages, emails, texts, voicemails, voicemail transcripts, AI-generated answers, social media posts, links, websites, app store links, financial requests, family concerns, phone calls, suspicious apps, data breach notices, government notices, or other items for review.

SecureFi.AI may provide: risk classification, plain-language explanation, signals detected, confidence level, recommended actions, actions to avoid, verification guidance, source-related guidance, relevant threat intelligence, recovery guidance, Evidence Pack support, and suggested official reporting pathways.

SecureFi.AI is designed to help users pause and verify before they click, reply, pay, download, share information, install an app, trust an AI-generated answer, or otherwise act.

Guidance Only, Not Professional Advice

SecureFi.AI does not provide legal, financial, investment, tax, medical, healthcare, mental health, law enforcement, emergency, cybersecurity incident response, insurance, banking, or other professional advice.

SecureFi.AI outputs are for informational and decision-support purposes only. They may be incomplete, inaccurate, outdated, or not applicable to your specific situation.

You remain responsible for your decisions. For high-risk matters, you should verify through trusted official channels and consult appropriate professionals, institutions, law enforcement, emergency services, financial institutions, healthcare providers, legal counsel, tax advisors, cybersecurity professionals, or other qualified parties.

SecureFi.AI does not replace your bank, law enforcement, attorney, financial advisor, physician, school, employer, insurance provider, government agency, or emergency services.

No Guarantee of Accuracy, Safety, or Outcome

SecureFi.AI does not guarantee that any message, link, website, phone call, voicemail, app, request, communication, AI answer, alert, source, person, organization, or situation is safe, unsafe, fraudulent, legitimate, malicious, trustworthy, or untrustworthy.

SecureFi.AI provides confidence-based guidance based on available information, known threat patterns, user-provided context, available sources, and system analysis. A result marked lower risk may still be unsafe. A result marked higher risk may turn out to be legitimate. Users should independently verify before acting.

SecureFi.AI does not guarantee recovery of funds, restoration of accounts, prevention of identity theft, prevention of fraud, successful reporting, successful chargeback, successful bank action, successful law enforcement response, or any other specific outcome.

Emergency and Safety Matters

SecureFi.AI is not an emergency service. Do not use SecureFi.AI as a substitute for calling 911, local emergency services, law enforcement, a crisis hotline, a medical professional, a child protection agency, or other appropriate emergency resource.

If someone is in immediate danger, call 911 or local emergency services.

If a child may be in danger, contact emergency services or an appropriate official reporting resource. SecureFi.AI may display warning signs and resources, but it does not make determinations about abuse, exploitation, trafficking, grooming, coercion, or criminal conduct.

Minor and Teen Safety

SecureFi.AI may include Minor & Teen safety content, family safety content, platform safety guidance, and warning-sign guidance related to online exploitation, sextortion, grooming, social media threats, gaming platform threats, child identity theft, student fraud, and related risks.

SecureFi.AI uses warning-sign language only. SecureFi.AI does not determine whether exploitation, abuse, grooming, trafficking, sextortion, coercion, or any crime occurred.

If a child is in immediate danger, call 911 or local emergency services. For online child exploitation concerns, users may be directed to the National Center for Missing and Exploited Children CyberTipline at cybertipline.org. For trafficking-related concerns, users may be directed to the National Human Trafficking Hotline at 1-888-373-7888.

Users should not submit explicit images, intimate images, child sexual abuse material, or other unlawful or highly sensitive content to SecureFi.AI.

AI Advisor

SecureFi.AI may offer an AI Advisor feature that allows users to ask questions about current threats, prior check-ins, source verification, recovery steps, personal risk context, and SecureFi.AI features.

AI Advisor is not a general-purpose chatbot. It is intended to operate within SecureFi.AI's domain of fraud prevention, scam awareness, source verification, digital safety, AI-output risk, family safety, privacy awareness, recovery guidance, and related personal risk intelligence.

AI Advisor responses may be incomplete, inaccurate, outdated, or not applicable to your specific situation.

AI Advisor does not provide legal, financial, investment, tax, medical, law enforcement, emergency, or professional advice. It does not make determinations about crimes, exploitation, abuse, trafficking, identity theft, fraud, or legal liability.

AI Advisor may be subject to plan limits, daily message limits, token limits, rate limits, cost controls, fair-use rules, or temporary unavailability.

Advanced Threats and Threat Intelligence

SecureFi.AI may provide threat intelligence, Advanced Threats panels, active alerts, data breach cards, source verification tools, privacy and surveillance guidance, AI and emerging threat guidance, Minor & Teen safety content, systemic and geopolitical risk alerts, fake app warnings, data broker guidance, and related resources.

Threat alerts and source information may be curated, enriched, summarized, reviewed, or derived from official sources, public sources, trusted organizations, vendor sources, partner sources, or internal SecureFi analysis. Alerts may be incomplete, delayed, outdated, inaccurate, or changed after publication.

Users should verify critical matters through official sources before acting.

Evidence Pack

SecureFi.AI may offer an Evidence Pack feature to help users organize information after a suspected scam, fraud, account compromise, payment loss, suspicious app installation, identity concern, or similar incident.

Evidence Pack is for user convenience and documentation support only. SecureFi.AI does not guarantee that an Evidence Pack will be accepted by a bank, law enforcement agency, court, government agency, payment provider, attorney, insurer, or other organization.

SecureFi.AI does not file reports, submit police reports, submit FBI IC3 complaints, submit FTC complaints, submit CFPB complaints, contact banks, contact payment providers, contact law enforcement, or contact any third party on your behalf unless a separate written agreement expressly says otherwise.

Do not include passwords, MFA codes, full Social Security numbers, full account numbers, intimate images, explicit content, or child sexual abuse material in Evidence Pack.

User Responsibilities

• Use SecureFi.AI lawfully and responsibly
• Provide accurate context when possible
• Avoid submitting unnecessary sensitive information
• Verify high-risk matters through official channels
• Not rely on SecureFi.AI as your sole source of truth
• Not use SecureFi.AI for emergencies
• Not submit content you do not have permission or lawful authority to submit
• Not submit passwords, MFA codes, full account numbers, full Social Security numbers, or other unnecessary sensitive information
• Not submit explicit, intimate, unlawful, or highly sensitive images or files
• Not use SecureFi.AI to monitor, control, harass, impersonate, exploit, stalk, or manipulate another person
• Not use SecureFi.AI to create, improve, test, bypass, or operationalize scams, phishing, fraud, impersonation, malware, social engineering, or other harmful conduct
• Not interfere with, attack, overload, reverse engineer, scrape, or misuse SecureFi.AI

Prohibited Uses

• Create or improve scams, phishing, fraud, impersonation, social engineering, malware, cyber abuse, or other harmful conduct
• Generate deceptive messages
• Bypass fraud detection or safety systems
• Steal credentials, money, data, personal information, or account access
• Harass, threaten, exploit, manipulate, coerce, stalk, or impersonate others
• Violate privacy rights
• Submit malware, malicious code, exploit code, or harmful files
• Reverse engineer, attack, overload, scrape, or interfere with the system
• Misrepresent SecureFi.AI outputs
• Claim SecureFi.AI endorsed your actions without written permission
• Use SecureFi.AI for unlawful activity
• Attempt to bypass plan limits, token limits, rate limits, feature gates, billing controls, or security controls

Assisted, Family, and Household Use

SecureFi.AI may allow users to check something for another person, such as a parent, spouse, child, family member, client, friend, or person they assist.

If you submit content involving another person, you are responsible for ensuring that you have appropriate permission, authority, or lawful basis to do so.

Do not submit unnecessary personal, financial, medical, legal, or sensitive information about another person. SecureFi.AI is not responsible for family disputes, caregiver decisions, third-party reliance, monitoring decisions, household conflicts, or actions taken by or on behalf of another person.

User Content

You may submit content to SecureFi.AI for analysis. You retain ownership of content you submit, subject to the rights you grant SecureFi.AI to operate and improve the service.

By submitting content, you grant SecureFi.AI a limited right to process, analyze, transmit, store, display, use, reproduce, modify, format, summarize, and create outputs from that content as necessary to provide the service, improve safety, operate the product, maintain records, detect abuse, support users, evaluate performance, improve system performance, and comply with law, subject to our Privacy Policy.

SecureFi.AI will not sell user-submitted personal check-in content as part of its core business model.

Intellectual Property

SecureFi, Inc. owns all rights, title, and interest in and to SecureFi.AI, including the software, product design, architecture, workflows, prompts, schemas, taxonomies, signal libraries, evaluation sets, threat libraries, source registries, risk patterns, dashboards, user interface, reports, analysis formats, documentation, trademarks, trade names, logos, business methods, inventions, know-how, and related intellectual property.

No rights are granted except the limited right to use SecureFi.AI according to these Terms.

Third-Party Services

SecureFi.AI may use third-party providers for hosting, databases, AI processing, analytics, payments, email, security, abuse prevention, communication, storage, transcription, source feeds, or other services. SecureFi.AI is not responsible for third-party services except as required by law or written agreement. Third-party services may have their own terms and privacy practices.

Plan Limits and Fair Use

SecureFi.AI may impose limits on check-ins, AI Advisor messages, Evidence Packs, storage, usage, rate of requests, account activity, file intake, organization seats, or other features.

SecureFi.AI may apply fair-use controls, abuse prevention, token limits, cost controls, circuit breakers, temporary restrictions, throttling, or feature restrictions to protect the service.

Plan limits may vary by free, paid, family, advisor, founding member, organizational, trial, beta, or promotional account type.

Disclaimer of Warranties

SecureFi.AI is provided "as is" and "as available." To the maximum extent permitted by law, SecureFi.AI disclaims all warranties, express or implied, including warranties of accuracy, reliability, fitness for a particular purpose, merchantability, non-infringement, availability, security, error-free operation, uninterrupted service, and fitness for any particular decision or outcome.

Limitation of Liability

To the maximum extent permitted by law, SecureFi, Inc. and its officers, directors, employees, contractors, advisors, affiliates, and service providers will not be liable for indirect, incidental, consequential, special, punitive, exemplary, or lost-profit damages arising from or related to your use of SecureFi.AI.

SecureFi.AI's total liability for any claim will not exceed the greater of the amount you paid SecureFi.AI in the three months before the claim or $100, unless applicable law requires otherwise.

Indemnification

You agree to defend, indemnify, and hold harmless SecureFi, Inc. and its officers, directors, employees, contractors, advisors, affiliates, and service providers from claims, damages, liabilities, losses, and expenses arising from your misuse of SecureFi.AI, violation of these Terms, violation of law, violation of another person's rights, or submission of content without appropriate rights, permission, or authority.

Changes to Terms

SecureFi.AI may update these Terms. We will provide notice of material changes as appropriate. Continued use after changes become effective means you accept the updated Terms.

Governing Law

These Terms are governed by the laws of [Insert State], without regard to conflict-of-law principles. [Attorney to confirm venue, arbitration, class action waiver, consumer notice rules, and state-specific requirements.]

Contact

Questions may be directed to: [Insert Contact Email] SecureFi, Inc. [Insert Mailing Address]