Terms of Service

These Terms of Service ("Terms") form a binding agreement between you or the entity you represent ("Customer", "you") and F7 Software, Inc. ("F7", "we", "us") governing access to and use of the FraudCheck API and related websites, dashboards, and documentation (the "Service"). By creating an account, generating an API key, or otherwise using the Service, you agree to these Terms. If you are agreeing on behalf of an organization, you represent that you have authority to bind it. The Service is intended for business use by users aged 18 or older.

Our Privacy Policy describes how we collect, use, and retain data in connection with the Service. As between the parties, you are the controller (or business) of personal data you submit for screening, and F7 processes it solely to provide the Service; customers who require a Data Processing Addendum may request one as described in the Privacy Policy.

FraudCheck is a fraud-screening API. A request containing some combination of an IP address, email address, phone number, shipping country, and person or company name returns per-check results, an advisory composite score from 0 to 100, and stable machine-readable reason codes. The underlying reference data is derived from publicly available databases and is processed on our own infrastructure. We may add, improve, or deprecate checks and endpoints over time; we add fields rather than rename or remove them wherever practical. We may materially modify or discontinue the Service (or any part of it) upon reasonable notice. Features identified as beta, preview, or experimental are provided as-is, may change or be removed at any time, and are excluded from any commitments in these Terms or any separate agreement.

The Service returns checks and an advisory score — never a verdict. There is no "is_fraud" field, and the score does not determine whether any transaction, person, or account is fraudulent. The advisory score is generated algorithmically from the individual checks and is not a factual statement about, or an objective determination of, fraud or any individual's risk. You are solely responsible for how you interpret and act on the output.

FraudCheck is not a consumer reporting agency, and the output is not a "consumer report" or "investigative consumer report" as defined by the U.S. Fair Credit Reporting Act (FCRA) or similar laws. You agree not to use the Service, in whole or in part, as a factor in establishing an individual's eligibility for credit, insurance, employment, housing, or any other purpose covered by the FCRA, and not to use the output as the sole basis for denying any person a product, service, or opportunity. The Service is designed to inform human review: if the GDPR, UK GDPR, or a similar law applies to you, you agree not to use the output to make decisions based solely on automated processing that produce legal or similarly significant effects for an individual (including under GDPR Article 22) without satisfying your own compliance obligations, and you remain the human adjudicator of the checks. You are responsible for complying with all laws applicable to your use, including the FCRA, ECOA, anti-discrimination laws, and all applicable privacy and data-protection laws (including the GDPR, UK GDPR, and CCPA/CPRA and other U.S. state privacy laws).

You agree not to: (a) use the Service unlawfully or to facilitate unlawful discrimination; (b) attempt to reconstruct, extract, bulk-export, resell, or redistribute the underlying reference datasets; (c) probe, scan, or circumvent authentication, rate limits, quotas, or security controls; (d) submit data you have no lawful right to submit; (e) exceed or evade the limits of your plan; or (f) use the Service to build a competing dataset or service. We may suspend or revoke access for conduct that violates these Terms or threatens the integrity of the Service, and we may limit, throttle, or block requests that in our reasonable judgment threaten the stability, availability, or security of the Service, without prior notice where reasonably necessary.

Plans differ on volume, rate limits, feature availability (such as batch screening), and support — never on data quality. Fees, quotas, and rate limits for each plan are shown on our pricing page and in your dashboard, and paid plans are billed through our payment processor (Stripe). Paid subscriptions renew automatically for successive periods (typically monthly) at the then-current price until cancelled. You may cancel at any time in your dashboard; your plan stays active through the end of the current paid period, after which the account moves to the Free tier — nothing is deleted. Where your plan and account settings enable paid overage, requests beyond your monthly quota are billed at the per-request overage price then in effect, up to any monthly spend cap you set. Fees are exclusive of taxes. Except where required by law or expressly stated, fees are non-refundable. Enterprise and custom-billed arrangements are governed by the applicable order form or written agreement, which controls in the event of a conflict with these Terms.

API keys authenticate requests and are secret. We store only a salted hash of each key and show the full secret once, at creation. You are responsible for safeguarding your keys and for all activity conducted under them. Rotate or revoke keys in your dashboard, restrict access with the IP allowlist where appropriate, and notify us promptly via our contact form if you suspect a key has been compromised. We may rate-limit, suspend, or revoke keys to protect the Service.

The information returned by the Service is derived from publicly available databases that we did not create and do not control. We are not responsible for the accuracy, completeness, or currency of that information, and you should not treat it as fact. Public databases contain errors, omissions, duplicate records, and stale entries; IP geolocation in particular is approximate by nature. Checks may produce false positives and false negatives. The output exists to inform your own judgement — you are responsible for how you interpret it and for any decision you make based on it.

Reference datasets are maintained on our own infrastructure and refreshed automatically on their own cadences. If a dataset cannot be refreshed, the Service continues to serve the last known-good copy and may indicate staleness in the response. F7 is not liable for any losses resulting from the temporary unavailability of upstream data refreshes or from reliance on cached reference data. We may change data sources and methodologies at any time.

THE SERVICE AND ALL OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. THE OUTPUT IS DERIVED FROM PUBLICLY AVAILABLE DATA SOURCES AND WE MAKE NO REPRESENTATION THAT IT IS ACCURATE, COMPLETE, OR CURRENT. Unless expressly stated in a separate written agreement signed by F7, no service-level agreement or uptime commitment applies to the Service. Nothing in the Service constitutes legal, financial, or compliance advice.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, F7 WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR FOR LOST PROFITS, REVENUE, GOODWILL, OR DATA, ARISING OUT OF OR RELATED TO THE SERVICE, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WITHOUT LIMITING THE FOREGOING, F7 HAS NO LIABILITY FOR ANY DECISION, ACTION, OR OMISSION YOU OR ANY THIRD PARTY MAKES IN RELIANCE ON THE SERVICE'S OUTPUT, OR FOR ANY INACCURACY IN INFORMATION DERIVED FROM PUBLICLY AVAILABLE DATA SOURCES. F7'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS WILL NOT EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS (US $100) OR THE AMOUNTS YOU PAID FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you; in that case liability is limited to the greatest extent permitted.

You will defend, indemnify, and hold harmless F7 from and against any claims, damages, and costs (including reasonable legal fees) arising out of your use of the Service, your data, or your violation of these Terms or applicable law.

These Terms apply while you use the Service. You may stop using the Service and close your account at any time. We may suspend or terminate access for breach or non-payment, or where reasonably necessary to comply with applicable law, respond to legal process, investigate suspected abuse, or protect the Service and its users. Provisions that by their nature should survive termination (including Sections 3, 7, 8, 9, 10, 13, 14, and 16) will survive.

We may update these Terms from time to time. Material changes will be posted here with an updated "Last updated" date and, where appropriate, communicated by email. Your continued use of the Service after changes take effect constitutes acceptance.

These Terms are governed by the laws of the State of Georgia, USA, without regard to its conflict-of-laws rules. Subject to Section 14, the state and federal courts located in Cobb County, Georgia have exclusive jurisdiction over any dispute not subject to arbitration, and each party consents to personal jurisdiction and venue there.

The parties will first attempt to resolve any dispute informally: contact us via our contact form and allow thirty (30) days for good-faith resolution. Any dispute not resolved informally will be settled by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Cobb County, Georgia; judgment on the award may be entered in any court of competent jurisdiction. Either party may instead bring an individual claim in small-claims court, and either party may seek injunctive relief in court for infringement or misuse of intellectual property or confidential information.

CLASS-ACTION WAIVER: ALL DISPUTES MUST BE BROUGHT IN THE PARTIES' INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. If this waiver is found unenforceable as to a particular claim, that claim (and only that claim) must proceed in court.

F7 is not liable for any delay or failure to perform caused by events beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, governmental action, epidemics, utility or internet failures, denial-of-service attacks, or failures of upstream providers or public data sources.

Intellectual property. F7 and its licensors retain all right, title, and interest in and to the Service, including all software, APIs and their design, algorithms, documentation, trademarks, and website content. No intellectual property rights are transferred to you other than the limited right to use the Service under these Terms. Feedback. If you send us suggestions or feedback about the Service, we may use them without restriction or obligation to you. Entire agreement. These Terms (together with any order form or written enterprise agreement, which controls in the event of conflict) are the entire agreement between the parties regarding the Service and supersede all prior agreements on that subject. Severability. If any provision is held unenforceable, it will be modified to the minimum extent necessary and the remainder will remain in effect. Waiver. A failure to enforce a provision is not a waiver of it. Assignment. You may not assign these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, or sale of assets. No third-party beneficiaries. These Terms create no rights in any third party. Independent contractors. Nothing here creates a partnership, joint venture, or agency relationship. Export & sanctions compliance. You may not use the Service in violation of U.S. export controls or sanctions, and you represent that you are not located in an embargoed jurisdiction or on any restricted-party list. Notices. We may provide notices via the email on your account or through the Service; legal notices to F7 must be sent to the address in Section 17.

Questions about these Terms:
our contact form
F7 Software, Inc.
Austell, GA 30168 USA