Terms of Service

1. Agreement to Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“Customer,” “you,” or “your”) and Fraud Intercept (“we,” “us,” or “our”) governing your access to and use of the Fraud Intercept fraud prevention platform and services available at fraud-intercept.com (the “Service”).

By registering an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind such entity to these Terms.

2. Service Description

Fraud Intercept is a Software-as-a-Service (SaaS) platform that provides digital businesses with tools for fraud detection, risk watchlist management, and shared intelligence. Key features include:

• Real-time Fraud Checks: API-based verification against a shared database of reported fraudsters
• Multi-Brand Management: Single account management for multiple brands or platforms
• Cross-Platform Detection: Identification of users across different platforms within the network
• Alerts & Notifications: Real-time alerts for fraud matches and system events
• Risk Watchlists: Proprietary database for identifying professional athletes and other risk categories
• Fingerprinting: Advanced detection using device fingerprinting and technical identifiers
• AI Assistant (Beta): Natural language interface powered by third-party AI models for querying fraud data, generating insights, and exploring platform information

3. License Grant & Restrictions

3.1. License Grant

Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to:

• Access and use the Service for your internal business operations
• Designate authorized users within your organization
• Integrate the Service with your systems according to provided documentation
• Use generated reports and data for internal analysis

3.2. License Characteristics

This license is:

• Personal: Granted specifically to your company/organization
• Limited: Only for defined purposes within these Terms
• Non-transferable: Cannot be transferred to third parties without our written consent
• Revocable: May be terminated under specified conditions
• Non-exclusive: We may provide similar licenses to other customers

3.3. License Restrictions

You shall NOT:

• Distribute, transmit, sell, or sublicense access to the Service
• Process data of third parties without our prior consent
• Use the Service to develop competitive products or services
• Provide access to our competitors
• Reverse engineer, decompile, disassemble, or attempt to derive the source code
• Use automated systems (bots, scrapers) to access the Service without authorization
• Use the Service for any illegal, fraudulent, or unauthorized purpose
• Circumvent any security or access controls
• Remove or alter any proprietary notices or marks

4. Account Registration & Management

4.1. Registration Requirements

You must provide accurate, complete, and current registration information. You are responsible for keeping this information updated.

4.2. Multi-Brand Management

A single account (“Owner”) may register and manage multiple brands (“Brands”) subject to applicable pricing tiers. Each Brand may have its own configuration and API keys.

4.3. Access Management

• Each authorized user must have unique credentials
• You are solely responsible for all activities conducted under your account
• You must implement appropriate security measures including strong passwords
• You must immediately report any unauthorized access or security breaches

4.4. Account Security

We reserve the right to monitor usage patterns and may temporarily suspend access if unusual or potentially harmful activity is detected.

5. Data Sharing & Privacy

5.1. Your Data

By using the Service, you grant us a license to process, store, and analyze the fraud-related data you submit (“Customer Data”) solely to provide and improve the Service.

5.2. Data Sharing Controls

• Internal Sharing: Customer Data is automatically used for detection within brands owned by your account
• Network Sharing: You may configure whether to share fraudster data with the broader Fraud Intercept network. Your configuration controls determine data sharing scope
• Cross-Brand Detection: When enabled, you will receive notifications if the same user is detected across multiple brands in the network

5.3. Third-Party Service Providers

We engage trusted third-party companies (“Subprocessors”) to operate and improve the Service. Current categories of Subprocessors include:

• Cloud Hosting: Infrastructure and database services
• Email Delivery: Transactional notifications and alerts
• AI Model Providers: Third-party large language models accessed via API for the AI Assistant feature. Query content is transmitted to these providers for processing and is not used for model training under our commercial agreements
• Device Intelligence: Fingerprinting and device identification services
• Analytics: Usage analytics and performance monitoring

All Subprocessors are contractually bound to protect your data and process it only as instructed by us.

5.4. Data Retention

We retain data as necessary to provide the Service. Upon termination, you may request export of your Customer Data within 30 days.

6. AI-Powered Features

6.1. Beta Status and Limitations

The AI Assistant is currently designated as a “Beta” feature. Features labeled “Beta” are made available for evaluation purposes and are subject to the following conditions:

• Beta features may be changed, suspended, or permanently removed without prior notice
• Beta features may contain bugs, produce unexpected behavior, or experience downtime at higher rates than generally available features
• Beta features are excluded from any uptime SLA or service level commitments stated elsewhere in these Terms
• User data processed by Beta features is handled under the same data protection terms as the rest of the platform, but we make no additional guarantees regarding output quality or consistency
• Continued use of a Beta feature constitutes acceptance of its experimental nature

Beta designation will be removed at our sole discretion, and continued use after removal is governed by the standard terms of this agreement.

6.2. AI Output Disclaimer and No-Reliance Clause

The AI Assistant generates responses using probabilistic language models. You acknowledge and agree that:

• AI-generated responses may be inaccurate, incomplete, or outdated, even when querying data sourced directly from your platform
• Outputs do not constitute legal, financial, compliance, or professional advice of any kind
• You are solely responsible for verifying any AI-generated output before acting on it
• We do not guarantee that responses accurately reflect the underlying data in all cases. Hallucination, misinterpretation of context, and formatting errors may occur
• Third-party model providers are not parties to this agreement, and their model behavior is outside our direct control

6.3. Third-Party AI Model Providers

The AI Assistant is powered by third-party large language models accessed via OpenRouter. You are informed that:

• Your queries and relevant context are transmitted to third-party model providers for processing
• Under our commercial API agreements, query data is not used by model providers for training purposes
• The identity of the underlying AI model in use may change without notice as we select different models to improve quality, performance, or cost efficiency
• AI responses are generated in real time and are not pre-reviewed by Fraud Intercept personnel

6.4. EU AI Act Compliance and Transparency Notice

In accordance with Regulation (EU) 2024/1689 (the “AI Act”), we provide the following transparency disclosures:

• The AI Assistant is powered by artificial intelligence and specifically by third-party General Purpose AI (GPAI) models
• The AI Assistant does not represent human judgment, is not operated by a human agent, and does not make binding decisions on behalf of the platform or the user
• Fraud Intercept operates as a “deployer” of AI systems under the AI Act. The underlying model providers bear provider-level obligations under Articles 53 and 55
• We comply with applicable deployer obligations under the AI Act, including this transparency notice per Article 50

6.5. Data Processing by AI Features

When you use the AI Assistant, the following data may be processed:

• Query Content: Your natural language questions and any attached images are transmitted to third-party model providers for response generation
• Contextual Data: Relevant fraud records, case data, and platform information scoped to your brand may be retrieved and included as context for the AI model
• Conversation History: Conversations may be stored for quality improvement and are retained in accordance with our data retention policies
• Feedback Data: Ratings and feedback you provide on AI responses are stored to improve the Service
• Audit Logs: All AI interactions are logged for security, compliance, and accountability purposes

For full details on data processing practices, please refer to our Privacy Policy.

7. Intellectual Property Rights

7.1. Our Ownership

We retain all right, title, and interest in and to the Service, including all software, technology, designs, trademarks, and related intellectual property. Nothing in these Terms transfers any ownership rights to you.

7.2. Your Ownership

You retain all rights to your Customer Data. By submitting it, you warrant you have necessary rights and permissions.

7.3. Feedback

Any feedback, suggestions, or improvements you provide may be used by us without obligation or compensation.

8. Fees & Payment

8.1. Pricing

Fees are based on your selected plan and usage. Current pricing is available on our website or in your service agreement.

8.2. Payment Terms

Fees are due as specified in your invoice. Late payments may incur interest and result in service suspension.

8.3. Taxes

You are responsible for all applicable taxes, except taxes on our net income.

9. Service Level & Support

9.1. Service Availability

We strive to maintain 99.5% uptime, excluding scheduled maintenance, Beta features, and circumstances beyond our reasonable control.

9.2. Updates

We may update the Service at our discretion. We will provide reasonable notice for significant changes affecting functionality.

9.3. Support

Technical support is provided according to your service plan. Support availability and response times vary by plan.

10. Disclaimer of Warranties

The Service is provided “as is” and “as available” without warranties of any kind, express or implied. We disclaim all warranties including merchantability, fitness for a particular purpose, and non-infringement.

Fraud Intercept is a decision-support tool. You are solely responsible for all decisions and actions taken based on information provided by the Service, including outputs generated by AI-powered features. We do not guarantee the accuracy, completeness, or reliability of any data, results, or AI-generated content.

AI-generated outputs are produced by third-party models and may contain errors, inaccuracies, or hallucinated information. Such outputs should not be treated as authoritative or relied upon without independent verification.

11. Limitation of Liability

11.1. Exclusion of Damages

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenues, or data, including damages arising from reliance on AI-generated outputs.

11.2. Cap on Liability

Our total aggregate liability under these Terms shall not exceed the amount you paid for the Service in the twelve (12) months preceding the claim.

11.3. Essential Basis

The limitations in this section are fundamental elements of the basis of the bargain between us.

12. Indemnification

You agree to indemnify, defend, and hold us harmless from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your infringement of any third-party rights
• Your violation of any applicable laws or regulations
• Decisions or actions taken based on AI-generated outputs

13. Termination

13.1. Termination Rights

We may suspend or terminate your access immediately if:

• You fail to pay fees when due
• You materially breach these Terms
• You engage in illegal or fraudulent activity
• You become insolvent or file for bankruptcy

13.2. Effects of Termination

Upon termination:

• All license rights immediately cease
• You must cease all use of the Service
• You must delete all copies of our software and documentation
• You may request export of your data within 30 days

13.3. Survival

Sections on AI-Powered Features, Intellectual Property, Disclaimer, Limitation of Liability, Indemnification, and Governing Law shall survive termination.

14. General Provisions

14.1. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Bulgaria, without regard to conflict of law principles.

14.2. Dispute Resolution

Any dispute arising from these Terms shall be subject to the exclusive jurisdiction of the competent courts of Sofia, Bulgaria. The parties shall first attempt to resolve disputes through good-faith negotiations for at least 30 days before initiating legal proceedings.

14.3. Modifications

We may modify these Terms at any time. We will provide notice of material changes via email or through the Service. Continued use after changes constitutes acceptance.

14.4. Assignment

You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

14.5. Force Majeure

We are not liable for failures due to circumstances beyond our reasonable control including natural disasters, war, terrorism, or internet service disruptions.

14.6. Severability

If any provision is found unenforceable, the remaining provisions remain in full effect.

14.7. Entire Agreement

These Terms constitute the entire agreement between us regarding the Service, superseding any prior agreements.

14.8. Waiver

Our failure to enforce any right or provision shall not constitute a waiver of such right.

14.9. Notices

Notices shall be sent to the email address associated with your account. Legal notices to us should be sent to legal@fraud-intercept.com.

14.10. Relationship

These Terms do not create a partnership, joint venture, employment, or agency relationship between us.

15. Contact Information

For questions about these Terms, please contact us at: fraud.intercept@outlook.com