Terms of Use

By accessing or using Scamina (the "Service"), you agree to be bound by these Terms of Use. If you do not agree to these terms, do not use the Service.

We reserve the right to update these Terms at any time. Continued use of the Service after changes constitutes acceptance of the modified Terms.

Scamina is an educational platform that helps users identify potential fraud and scam attempts. The Service uses AI-powered analysis to evaluate suspicious messages, emails, and other content for common fraud indicators.

The Service is provided for educational and informational purposes only. We do not guarantee the accuracy of fraud detection, and our analysis should not be considered professional, legal, or financial advice.

You must be at least 13 years of age to use this Service. If you are under 18, you should use this Service only with the involvement of a parent or guardian. By using the Service, you represent that you meet these age requirements.

When you submit content to the Service for analysis, you grant us a limited license to process, analyze, and store that content for the purpose of providing the Service and improving our fraud detection capabilities.

We take reasonable steps to protect personally identifiable information (PII) in submitted content, including automatic redaction of sensitive data. However, you should not have an expectation of complete privacy for content submitted for analysis.

We reserve the right to report illegal content to appropriate authorities and to preserve evidence of Terms violations.

This section covers everything you send us: a message you want checked, a correction or a suggested improvement to a result, a reply in a thread, and anything else you write that reaches another person. The rules below are the same wherever it ends up.

Whatever you are sending, please leave out:

• Personal details, yours or anyone else's — names, addresses, account numbers, dates of birth. We strip these out of the messages people ask us to check, and a reply should not put them back.
• Swearing, insults, and abuse. People read these pages when they are frightened, and often in a language that is not their first.
• Accusations against a named person or a named small business. Naming the company being impersonated is useful — “this is not really Chase” helps. Naming who you believe is behind it does not, because they have no way to answer here.
• Financial, legal, or medical advice. Say what happened to you. Leave what someone else should do to them and their bank.
• Web links. On a page about scams, a field that publishes links is too easy to turn against the people reading it.
• Phone numbers, email addresses, or handles — yours or anyone else's. People who have just been scammed are often targeted a second time, and a thread full of contact details is a list worth stealing.

We check what you send before it reaches anyone else. Nothing appears first and gets taken down later. Some of that checking is automated, and you may be asked to confirm that you are not a robot.

Checking submissions before they appear is how we keep these pages safe. It is not a promise to catch everything, and it does not create a duty to monitor, review, or remove anything. If something got through that should not have, tell us and we will look.

If we cannot accept something you wrote, we will tell you which rule it ran into and give you a chance to change it. We will not turn it down silently.

We will get this wrong sometimes. When we do, write to contact@scamina.com and a person will read it.

If you send us a correction, a suggestion, or an idea for improving a result, you agree that we may use it — in the result, in the product, anywhere — without owing you payment, credit, or confidentiality. What we publish after reviewing a suggestion is published under our name.

We may decline, remove, or limit anything submitted, and we may stop accepting submissions from an account that keeps ignoring these rules. Removing something is not a ruling about who is right — it means it did not belong on the page.

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, icons, and software, are the exclusive property of Scamina and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any part of the Service without our express written permission.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SCAMINA AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE.

In no event shall our total liability exceed the amount you paid us (if any) in the twelve months preceding the claim, or $100, whichever is greater.

You agree to indemnify, defend, and hold harmless Scamina, its operators, affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

We reserve the right to terminate or suspend your access to the Service immediately, without prior notice, for any reason, including breach of these Terms.

Upon termination, your right to use the Service ceases immediately. Provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

These Terms shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in California.

We may modify these Terms at any time by posting the revised terms on the Service. Material changes will be indicated by updating the "Effective Date" at the top of this page. Your continued use of the Service after any changes indicates your acceptance of the new Terms.

If you have any questions about these Terms of Use, please contact us at contact@scamina.com.