Terms of Service

1. Acceptance of Terms

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

2. Description of Service

FraudDetect API provides real-time transaction risk scoring via a REST API. The Service assigns a probabilistic fraud score between 0 and 1 to submitted transactions based on behavioural signals. It is a decision-support tool, not a regulated financial service.

3. No Warranty — Scores Are Probabilistic

Fraud scores are probabilistic estimates, not guarantees. The Service will produce false positives (legitimate transactions flagged as risky) and false negatives (fraudulent transactions that are not flagged). You are solely responsible for deciding how to act on any score returned by the API.

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

4. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FRAUDDETECT API AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO:

• Financial losses caused by acting on a fraudulent transaction that was not flagged
• Losses caused by blocking a legitimate transaction that was incorrectly flagged
• Harm to end users whose transactions were incorrectly classified

In no event shall our total liability exceed the amount you paid for the Service in the 30 days preceding the claim.

5. Cross-Customer Reputation Signals

By using the Service, you acknowledge and agree that:

• Transaction data you submit may be included in anonymised, aggregated platform-wide signals used to compute device and IP reputation scores.
• Device fingerprints and IP addresses from your transactions may be compared against data submitted by other API subscribers to generate cross-platform reputation scores.
• No personally identifiable information (names, emails, financial account numbers) is shared between subscribers. Only technical identifiers (device fingerprint, IP address) are aggregated.
• You are responsible for informing your own end users that their transaction metadata may be used in this way, as required by applicable privacy law.

6. Acceptable Use

You agree not to use the Service to:

• Discriminate against individuals on the basis of protected characteristics
• Make fully automated adverse decisions about individuals without human review, where prohibited by applicable law (e.g. GDPR Article 22)
• Submit personally identifiable financial data (full card numbers, bank account numbers, SSNs) in any request field
• Reverse-engineer, resell, or sublicense the Service without written permission
• Attempt to infer individual identities from aggregated reputation signals

7. Data Deletion

You may delete all stored data for any user at any time by calling DELETE /api/v1/users/:user_id. This permanently removes the user profile and all associated transaction records from our systems. See our Privacy Policy for full details on data rights.

8. Changes to These Terms

We may update these Terms from time to time. Continued use of the Service after changes are posted constitutes acceptance of the revised Terms. Material changes will be noted with an updated date at the top of this page.

9. Contact

Questions about these Terms? Email us at aethernalytics@gmail.com.