Last Update: August 11, 2026

Welcome to ScamRanger. These Terms of Use (“Terms”) govern your access to and use of www.scamranger.ai, the ScamRanger mobile applications, and any related ScamRanger consumer-facing websites, features, tools, and services that link to or incorporate these Terms (collectively, the “Services”).

ScamRanger is operated by RangersAI, Inc. References in these Terms to “ScamRanger,” “we,” “us,” or “our” mean RangersAI, Inc., doing business as ScamRanger. References to “you” or “your” mean the individual accessing or using the Services.

These Terms apply to ScamRanger consumer Services only. They do not govern your use of the RangersAI corporate marketing website or any separate enterprise agreement between RangersAI, Inc. and a bank, credit union, employer, organization, partner, or other business customer.

By accessing or using the Services, or by accepting these Terms where an acceptance mechanism is presented, you agree to these Terms and acknowledge our Privacy Policy. If you do not agree, do not access or use the Services.

1. ABOUT SCAMRANGER

ScamRanger is a scam-awareness, scam-analysis, decision-support, and educational service. Depending on the feature you use, the Services may allow you to submit or share suspicious messages, emails, screenshots, images, links, websites, call-related information, descriptions of situations, or other supported content for analysis; receive an assessment, explanation, scam-related information, and suggested next steps; report suspicious or unwanted content; receive educational content, alerts, or safety guidance; and use other ScamRanger features that may be offered from time to time.

ScamRanger may use automated systems, including artificial intelligence and machine-learning technologies, to analyze submitted information and generate assessments, explanations, or recommendations. Automated analysis is probabilistic and may be incomplete, inaccurate, or affected by limited, misleading, or changing information.

2. IMPORTANT LIMITATIONS OF SCAM ANALYSIS

ScamRanger is a decision-support and educational tool. It does not guarantee that any message, email, website, link, caller, person, transaction, communication, or situation identified as legitimate, suspicious, risky, safe, or potentially fraudulent has been classified correctly. Scammers continually change their methods, and legitimate communications can sometimes exhibit characteristics associated with scams.

You should not rely solely on ScamRanger when deciding whether to send money, disclose personal or financial information, provide credentials or authentication codes, click a link, download a file, communicate with another person, approve a transaction, or take another action that may expose you to financial, privacy, security, or other harm.

ScamRanger is not a bank, financial institution, payment processor, law-enforcement agency, emergency service, credit bureau, attorney, financial adviser, or cybersecurity incident-response provider. ScamRanger does not authorize, block, reverse, monitor, or control transactions in your financial accounts.

If you believe an account has been compromised, money has been transferred fraudulently, credentials or sensitive information have been exposed, or immediate action is required, contact the relevant bank, financial institution, platform, service provider, or appropriate authority directly using independently verified contact information.

3. ELIGIBILITY AND ACCESS

You must be at least 13 years old to create an account or use the Services. By using the Services, you represent that you meet this requirement and have legal capacity to agree to these Terms.

Some features may be available directly to consumers, while others may be made available through a participating bank, credit union, employer, organization, or other third party (a “Sponsoring Organization”). Sponsored access may require an activation code or other eligibility method. You are responsible for keeping any access credentials or activation information confidential and for promptly notifying us if you believe they have been compromised.

Unless expressly stated otherwise, a Sponsoring Organization is not responsible for ScamRanger’s operation, analysis, recommendations, content, or support, and ScamRanger is not acting as the Sponsoring Organization’s agent in providing scam classifications or guidance. Your separate relationship with a Sponsoring Organization may be governed by that organization’s own terms and privacy practices.

4. USER CONTENT AND SUBMISSIONS

The Services may allow you to submit, upload, paste, forward, transmit, describe, or otherwise provide messages, screenshots, images, URLs, emails, text, and other information (“User Content”). You retain any ownership rights you have in your User Content.

You grant ScamRanger a worldwide, non-exclusive, royalty-free license to host, store, reproduce, transmit, process, analyze, modify solely as technically necessary, and otherwise use User Content to provide, secure, maintain, troubleshoot, and improve the Services, in each case subject to our Privacy Policy and applicable law. This license ends when the User Content is no longer needed for those purposes, subject to lawful retention, security, backup, de-identification, and recordkeeping requirements described in our Privacy Policy.

You represent that you have the right or other lawful basis to provide the User Content to the Services and that your submission and our processing of it as described in these Terms and the Privacy Policy will not violate applicable law or another person’s rights.

Messages and screenshots may contain personal information about you or other people. Please submit only information reasonably necessary for the scam-analysis or reporting purpose and avoid including passwords, full payment-card numbers, bank-account credentials, authentication codes, government identification numbers, health information, or other highly sensitive information unless a specific ScamRanger feature expressly requests it and explains why it is needed.

Our collection, use, retention, disclosure, de-identification, and other processing of User Content that contains personal information are governed by our Privacy Policy. These Terms do not by themselves authorize any use of personal information that is inconsistent with the Privacy Policy or applicable law.

5. ACCEPTABLE USE

You may use the Services only for lawful, personal, and legitimate scam-awareness, scam-analysis, safety, educational, or reporting purposes. You may not, and may not attempt to:

(a) copy, reproduce, distribute, publicly display, modify, create derivative works from, sell, license, or commercially exploit the Services or Content except as expressly permitted by us;

(b) interfere with, disrupt, overload, damage, or compromise the Services, servers, networks, security controls, or operation;

(c) circumvent access controls, security features, rate limits, usage limitations, or technological protections;

(d) access or collect information from the Services through bots, spiders, scrapers, crawlers, or other automated means except as expressly authorized by us or permitted by applicable law;

(e) reverse engineer, decompile, disassemble, or attempt to derive source code or underlying models from the Services except to the limited extent such a restriction is prohibited by law;

(f) introduce malware, malicious code, or harmful material;

(g) use the Services to harass, threaten, deceive, defraud, impersonate, discriminate against, or harm another person;

(h) submit content that you know is unlawful, infringing, malicious, or materially unrelated to a legitimate use of ScamRanger;

(i) use the Services to develop, test, improve, facilitate, or carry out scams, phishing, fraud, social engineering, malware, evasion techniques, or other abusive conduct; or

(j) use the Services in a way that violates applicable law or another person’s intellectual property, privacy, publicity, confidentiality, or other rights.

6. SUBSCRIPTIONS, PURCHASES, AND SPONSORED ACCESS

Certain Services may be offered free of charge, through a Sponsoring Organization, or as paid features or subscriptions. The price, subscription period, included features, trial terms (if any), renewal terms, and other material purchase information will be presented before you complete a purchase.

If you purchase through the Apple App Store or Google Play, your purchase, billing, renewal, cancellation, and refund rights are also subject to the applicable app-store terms and billing rules. Unless otherwise stated at the time of purchase, recurring subscriptions automatically renew until canceled through the applicable app-store or account-management method before the next renewal date.

If your access is paid for or sponsored by a Sponsoring Organization, your eligibility or access may end or change if that organization modifies or terminates its program or your eligibility. Any separate commercial arrangement between ScamRanger and a Sponsoring Organization does not make you a party to that commercial agreement.

7. APPLE APP STORE TERMS

If you download or use the ScamRanger iOS application through Apple’s App Store, you acknowledge that these Terms are between you and ScamRanger, not Apple; Apple is not responsible for the application or its content, maintenance, support, warranties, or claims relating to the application except to the extent required under Apple’s applicable terms; your use of the application must comply with the App Store Usage Rules; and Apple and its subsidiaries are third-party beneficiaries of these Terms with respect to the iOS application and may enforce the applicable provisions against you.

To the extent required by Apple’s applicable terms, you also represent that you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as supporting terrorism and that you are not listed on any U.S. Government list of prohibited or restricted parties.

Questions, complaints, or claims concerning the ScamRanger application should be directed to ScamRanger using the contact information in Section 20.

8. GOOGLE PLAY TERMS

If you download or use the ScamRanger Android application through Google Play, your use of Google Play is subject to Google’s applicable terms and policies. Google is not responsible for ScamRanger’s operation, content, support, analysis, recommendations, or obligations under these Terms except as expressly provided under Google’s own terms. Purchases made through Google Play are also subject to applicable Google Play billing, subscription, cancellation, and refund rules.

9. INTELLECTUAL PROPERTY

The Services and all content made available through them, including software, interfaces, text, articles, explanations, scam categories, reports, graphics, images, videos, designs, trademarks, service marks, trade names, logos, and other materials other than User Content (collectively, “Content”), are owned by or licensed to ScamRanger and are protected by applicable intellectual property and other laws.

“ScamRanger,” the ScamRanger logo, and associated branding are trademarks or service marks of RangersAI, Inc. or its licensors. Nothing in these Terms grants you a right to use those marks except as expressly authorized in writing.

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable right to access and use the Services and Content for your personal, lawful use. All rights not expressly granted are reserved.

If you voluntarily provide feedback, suggestions, or ideas about the Services, you grant us the right to use that feedback without restriction or obligation to you, to the extent permitted by applicable law.

10. THIRD-PARTY SERVICES AND CONTENT

The Services may include links to or integrations with third-party websites, platforms, services, resources, or content. We do not control and are not responsible for third-party services, their availability, content, security, terms, privacy practices, or actions. A link or integration does not imply endorsement unless we expressly state otherwise.

You are responsible for reviewing and complying with the terms and privacy practices of third-party services you choose to use.

11. PRIVACY AND DATA PROTECTION

Our collection, use, disclosure, retention, deletion, de-identification, and other processing of personal information in connection with the Services are described in the ScamRanger Privacy Policy. Where applicable law requires separate consent for a processing activity, use of the Services alone will not be treated as that consent.

Depending on where you live and which laws apply, you may have rights regarding your personal information, including rights to access or know about personal information, obtain copies, correct inaccurate information, delete or erase information, restrict or object to certain processing, receive or transfer certain information, withdraw consent where processing is based on consent, and opt out of certain sale, sharing, targeted advertising, profiling, or direct marketing. Applicable rights, exceptions, verification procedures, and request methods are described in the Privacy Policy.

Where the General Data Protection Regulation (“GDPR”), UK GDPR, or similar European data-protection laws apply, the Privacy Policy will identify, as applicable, the controller; purposes of processing; categories of personal data; legal bases; recipients or categories of recipients; retention periods or criteria; international-transfer mechanisms; applicable data-subject rights; and the right to lodge a complaint with a competent supervisory authority.

Where the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, “CCPA”), applies, the Privacy Policy will provide the disclosures and consumer-rights information required by applicable law, including information regarding categories of personal information collected, sources, purposes, categories of recipients, retention, and any sale or sharing of personal information, if applicable, together with instructions for exercising applicable California privacy rights.

Where legally required, we will provide notices at or before relevant collection points and honor applicable opt-out preference signals, such as Global Privacy Control, as described in our Privacy Policy. The Website may also use cookies or similar technologies; where consent is required, non-essential technologies will be used in accordance with the choices presented through our consent-management mechanism.

12. CHANGES TO THE SERVICES AND TERMS

We may modify or discontinue features of the Services from time to time. We may also update these Terms. When we make material changes, we will provide notice in a manner appropriate to the change and as required by applicable law, such as by posting revised Terms, updating the “Last Updated” date, or providing an in-app or other notice. Where applicable law requires consent to a material change, we will obtain it.

13. SERVICE AVAILABILITY AND SECURITY

We work to maintain the Services, but we do not guarantee continuous availability or that the Services will always be uninterrupted, timely, secure, or error-free. The Services may be unavailable because of maintenance, updates, outages, connectivity issues, third-party dependencies, security incidents, or circumstances beyond our reasonable control.

You are responsible for maintaining reasonable security over your device, account, and credentials and for using current device software and reasonable security practices.

14. DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, AVAILABILITY, SECURITY, OR THAT THE SERVICES WILL IDENTIFY EVERY SCAM OR CORRECTLY CLASSIFY EVERY COMMUNICATION OR SITUATION.

WE DO NOT WARRANT THAT AN ASSESSMENT, EXPLANATION, RECOMMENDATION, ALERT, RESULT, OR OTHER OUTPUT IS COMPLETE, ERROR-FREE, OR APPROPRIATE FOR EVERY CIRCUMSTANCE. NOTHING IN THESE TERMS EXCLUDES A WARRANTY OR RIGHT THAT CANNOT LAWFULLY BE EXCLUDED.

15. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SCAMRANGER AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO THE SERVICES, THESE TERMS, OR YOUR RELIANCE ON AN ASSESSMENT, RESULT, RECOMMENDATION, OR OTHER OUTPUT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE AGGREGATE LIABILITY OF SCAMRANGER AND THE PARTIES IDENTIFIED ABOVE FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID DIRECTLY TO SCAMRANGER FOR THE SERVICES DURING THE THREE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (B) USD $100.

Some jurisdictions do not allow certain exclusions or limitations of liability. In those jurisdictions, these exclusions and limitations apply only to the maximum extent permitted by law. Nothing in these Terms limits liability that cannot lawfully be limited or excluded.

16. INDEMNIFICATION

To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless ScamRanger and its affiliates, directors, officers, employees, and agents from third-party claims, liabilities, damages, losses, and reasonable costs and expenses arising from your material violation of these Terms, unlawful use of the Services, or infringement of another person’s rights.

17. SUSPENSION AND TERMINATION

We may suspend or terminate your access to all or part of the Services if we reasonably believe you have materially violated these Terms, used the Services unlawfully or abusively, created a security or operational risk, or if suspension or termination is reasonably necessary to protect users, ScamRanger, or third parties. We may also discontinue all or part of the Services, subject to applicable law and any applicable paid-subscription obligations.

You may stop using the Services at any time. Ending use of the Services does not automatically cancel a paid app-store subscription; subscriptions must be canceled using the applicable store or account-management method.

Provisions that by their nature should survive termination will survive, including provisions concerning User Content licenses to the extent needed for lawful retention, intellectual property, disclaimers, limitations of liability, indemnification, governing law, and general terms.

18. INTERNATIONAL USE

ScamRanger is operated by RangersAI, Inc., a United States company, and the Services may be available to users in multiple countries. Our primary production infrastructure is hosted using Amazon Web Services in EU. We do not represent that every feature of the Services is appropriate or available in every jurisdiction.

If you access or use the Services from outside the United States, you are responsible for complying with applicable local laws. The locations in which personal information is stored or processed, including any international transfers of personal information and the safeguards applicable to those transfers, are described in our Privacy Policy.

‍

19. GOVERNING LAW AND DISPUTES

Except to the extent prohibited by applicable law, these Terms and any dispute arising from or relating to these Terms or the Services will be governed by the laws of the State of Florida, without regard to conflict-of-laws principles. Subject to any rights you may have under mandatory applicable law, you agree to the personal jurisdiction and venue of the state and federal courts located in Palm Beach County, Florida.

Nothing in this section deprives a consumer or data subject of protections, remedies, or rights that cannot be waived under applicable law.

20. GENERAL

These Terms, together with the Privacy Policy and any other notices expressly incorporated by reference, constitute the agreement between you and ScamRanger regarding your use of the Services, except that separate terms may apply to a specific feature, promotion, or purchase. These Terms do not supersede any separate written enterprise agreement between RangersAI, Inc. and a Sponsoring Organization.

If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in effect. Our failure to enforce a provision is not a waiver. You may not assign your rights or obligations under these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, financing, sale of assets, or by operation of law, subject to applicable law.

21. CONTACT US

Questions, complaints, or claims regarding the Services or these Terms may be sent to: privacy@scamranger.ai. Privacy questions and requests should be submitted using the methods specified in the ScamRanger Privacy Policy.

‍

‍