Terms of Service

Please read these Terms of Service ("Terms") carefully before using FraudIntel India ("FraudIntel", "we", "our", "us") at fraudintel.in. By registering an account or using any part of our platform, you agree to be bound by these Terms.

1. Eligibility

You must be at least 18 years of age and a resident of India to use FraudIntel. By using the platform you represent that you meet these requirements. We reserve the right to refuse service to anyone at our sole discretion.

2. Account Registration

• You are responsible for maintaining the confidentiality of your account credentials.
• You agree to provide accurate and complete information during registration.
• You must notify us immediately of any unauthorised use of your account at contact@fraudintel.in.
• One account per individual or organisation. Multiple accounts for the purpose of circumventing rate limits are prohibited.

3. Permitted Use

FraudIntel is a fraud intelligence platform intended for:

• Individuals verifying whether a phone number, UPI ID, domain, or email is associated with fraud.
• Banks, NBFCs, fintechs, and enterprises integrating fraud signals via our API.
• Researchers and journalists investigating fraud patterns in India.
• Law enforcement and regulatory bodies (subject to enterprise agreement).

4. Prohibited Use

You may not use FraudIntel to:

• Harass, stalk, or target individuals based on our data.
• Submit false or malicious fraud reports to damage someone's reputation.
• Scrape, bulk-download, or mirror our database without a written enterprise licence.
• Reverse-engineer, decompile, or attempt to extract source code from the platform.
• Use the platform in violation of any applicable Indian law, including the IT Act 2000.
• Circumvent rate limits, authentication, or access controls.
• Resell access to the platform or API without a written reseller agreement.

Violation of these terms will result in immediate account suspension and may be reported to law enforcement.

5. Subscription Plans & Payments

Plan	Access	Billing
Free	10 checks/day, community reports	No charge
Pro	Unlimited checks, API access, alerts	Monthly / Annual
Business	Team access, priority API, SLA	Monthly / Annual
Enterprise	Custom integration, dedicated support	Custom contract

• All payments are processed securely via Razorpay. We do not store card or UPI credentials.
• Subscriptions auto-renew at the end of each billing cycle unless cancelled.
• Prices are in Indian Rupees (INR) and are inclusive of applicable GST.
• We reserve the right to change pricing with 30 days' notice to existing subscribers.

6. Refund Policy

We offer refunds under the following conditions:

• Within 7 days of first payment: Full refund if you have not made more than 50 API calls or fraud checks on a paid plan.
• Service outage: Pro-rated credit for any verified downtime exceeding 24 hours in a billing cycle.
• Annual plans: Refund of unused months (calculated pro-rata) if requested within 30 days of renewal.
• No refunds: For partial months used, free plan upgrades, or accounts terminated for Terms violations.

To request a refund, email contact@fraudintel.in with your registered email and order ID. Refunds are processed within 7–10 business days.

7. API Usage

• API keys are non-transferable and must not be shared or published publicly.
• Rate limits apply per plan. Exceeding limits will result in temporary throttling.
• We may revoke API access if usage patterns suggest automated scraping or abuse.
• API availability is provided on a best-effort basis. SLA guarantees apply only to Business and Enterprise plans.

8. Data Accuracy Disclaimer

FraudIntel aggregates data from community reports, open-source intelligence, and partner sources. While we make reasonable efforts to ensure accuracy:

• We do not guarantee that any individual report is accurate or current.
• A flagged entity does not constitute proof of criminal activity.
• Users should not make lending, hiring, or legal decisions solely based on FraudIntel data.
• We are not liable for any damages arising from reliance on our data.

9. Intellectual Property

All content, code, design, and data on FraudIntel India is the property of FraudIntel India and is protected under Indian copyright law. You may not reproduce, distribute, or create derivative works from our platform without written permission. The FraudIntel name and logo are trademarks of FraudIntel India.

10. User-Submitted Fraud Reports

By submitting a fraud report on our platform, you:

• Confirm that the information you are submitting is true and accurate to the best of your knowledge.
• Grant FraudIntel India a perpetual, irrevocable, royalty-free licence to use and publish the report for public safety purposes.
• Accept full legal responsibility for any false, malicious, or defamatory reports you submit.

We reserve the right to remove any report that is found to be false, malicious, or submitted in bad faith.

11. Limitation of Liability

To the maximum extent permitted by Indian law, FraudIntel India shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the platform. Our total liability to you for any claim shall not exceed the amount you paid us in the 3 months preceding the claim.

12. Indemnification

You agree to indemnify and hold harmless FraudIntel India, its officers, employees, and partners from any claims, damages, or expenses (including legal fees) arising from your use of the platform, your violation of these Terms, or your submission of false fraud reports.

13. Account Termination

• You may close your account at any time by emailing contact@fraudintel.in or using our Data Deletion Policy page for eligible personal data deletion requests.
• We may suspend or terminate your account immediately if you violate these Terms.
• Upon termination, your access to paid features will cease at the end of the current billing period.
• Fraud reports you submitted will remain in the database as per our Privacy Policy.

14. Changes to Terms

We may update these Terms at any time. We will notify registered users via email at least 14 days before material changes take effect. Continued use of the platform after the effective date constitutes acceptance of the revised Terms.

15. Governing Law & Disputes

These Terms are governed by the laws of India. Any disputes arising from these Terms or your use of FraudIntel shall be subject to the exclusive jurisdiction of the courts in Ahmedabad, Gujarat, India. We encourage you to contact us first at contact@fraudintel.in to resolve any dispute amicably before initiating legal proceedings.

16. Grievance Officer

In accordance with the Information Technology Act 2000 and rules thereunder, the name and contact details of our Grievance Officer are:

• Name: Jai Makwana
• Email: contact@fraudintel.in
• Address: Ahmedabad, Gujarat, India
• Response time: Within 30 days of receiving the grievance

17. Contact

• General: contact@fraudintel.in
• Billing & Refunds: contact@fraudintel.in
• Legal: contact@fraudintel.in
• Enterprise: contact@fraudintel.in

These Terms of Service are governed by the laws of India. By continuing to use FraudIntel India you acknowledge that you have read, understood, and agree to be bound by these Terms.