Terms of Service

1. Acceptance of these terms

These Terms of Service are a legal agreement between you and Identiqore [legal entity name and address — pending counsel review] (“Identiqore,” “we,” “us”). By creating an account, purchasing a report, or using the Identiqore websites and services (the “Service”), you agree to these terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.

We may update these terms from time to time. Changes take effect when posted on this page with a new “last updated” date, and your continued use of the Service after a change constitutes acceptance. If a change is material, we will make reasonable efforts to notify account holders by email before it takes effect.

2. Eligibility

The Service is offered in the United States only and to individuals who are at least 18 years old and legally able to enter into this agreement. If your account was previously terminated for violating these terms, you may not create a new one. If you access the Service from outside the United States, you do so at your own initiative and are responsible for compliance with your local laws.

3. Permitted use — FCRA restrictions

Identiqore is nota consumer reporting agency under the Fair Credit Reporting Act, 15 U.S.C. §1681 et seq. (“FCRA”), and the information we provide is not a “consumer report.” You may not use the Service or any information it provides, in whole or in part, as a factor in establishing a person’s eligibility for:

• employment, hiring, promotion, retention, or reassignment — including household workers such as nannies or caregivers;
• tenant or housing screening;
• credit, loans, or insurance;
• education, scholarships, or fellowships;
• government licenses, permits, or benefits;
• any other purpose that would qualify the information as a consumer report, or to take any “adverse action” as defined by the FCRA.

You represent that you understand these restrictions and that you are responsible for your own compliance with the FCRA and similar laws. If you are unsure whether your intended use is permitted, consult an attorney before using the Service — or use an FCRA-compliant consumer reporting agency instead.

4. Prohibited conduct

In addition, you agree not to:

• use the Service, or any information from it, to stalk, harass, threaten, intimidate, or harm any person;
• access the Service by automated means — scraping, crawling, or bulk downloading — or circumvent rate limits, captchas, or other access controls;
• resell, republish, or compile information from the Service into another product, database, or service;
• share your account with others, or misrepresent your identity or your purpose when using the Service;
• interfere with the operation or security of the Service, or use it in violation of any applicable law.

We may investigate suspected violations and may suspend or terminate accounts that violate this section (see Section 12).

5. Your license to use the Service

Subject to these terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access the Service and to use the reports you purchase for your own personal, lawful, non-commercial purposes. No other rights are granted.

6. Accounts and security

You are responsible for keeping your credentials confidential and for all activity under your account. Notify us promptly at [email protected] if you suspect unauthorized access. You may delete your account at any time from the account page; deletion anonymizes your email, signs out all devices, and cancels any active subscription.

7. Subscriptions, trials, and automatic renewal

Paid plans begin with the trial or introductory offer shown at checkout. Unless you cancel, your plan renews automatically at the recurring price and interval disclosed before you pay, and your payment method on file is charged at each renewal without further action by you. The trial price, the recurring price, and the renewal schedule are always displayed on the checkout page before you authorize the first charge.

You can cancel at any time from your account page — no phone call required. Cancellation stops future renewals; you keep access until the end of the period you have already paid for. Price changes take effect at your next renewal and we will notify you by email before a price increase applies.

8. Refunds, billing errors, and chargebacks

If something went wrong with a charge or a report, contact [email protected] and we will review it. Refunds for duplicate or erroneous charges are issued to the original payment method. Report purchases and subscription fees for periods already delivered are otherwise non-refundable except where required by law.

Please report suspected billing errors to us before disputing a charge with your card issuer — most issues are resolved faster that way. We retain transaction and account-activity records and may use them to respond to payment disputes.

9. Accuracy of information — provided “as is”

Reports are assembled from public records and commercially available data compiled by third-party sources. Records can be incomplete, out of date, or attributed to the wrong person, and a record that was public when collected may since have been expunged, sealed, or corrected at its source. Identiqore provides the Service and all information “as is” and “as available,” without warranties of any kind, express or implied — including merchantability, fitness for a particular purpose, accuracy, and non-infringement.

Nothing in the Service is legal, financial, or professional advice. Verify anything important through official channels before acting on it.

10. Intellectual property

The Service — including its software, design, text, and the selection and arrangement of report content — is owned by Identiqore or its licensors and is protected by intellectual-property laws. You may not use the Identiqore name or logo in a way that suggests affiliation or endorsement without our written consent. To report a copyright concern, contact [email protected].

11. Third-party services and links

The Service may link to third-party websites and relies on third-party providers (such as our payment processor). We are not responsible for the content, policies, or practices of third parties, and linking does not imply endorsement. Your dealings with any third party are governed by that party’s own terms.

12. Suspension and termination

We may suspend or terminate your access to the Service if you breach these terms, if required by law, or to protect the security of the Service or the safety of any person. Where practical, we will notify you by email. You may stop using the Service and delete your account at any time. Sections that by their nature should survive termination — including Sections 3, 4, 9, 13, 14, and 15 — survive.

13. Limitation of liability

To the maximum extent permitted by law, Identiqore and its officers, employees, and suppliers are not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the Service — under any legal theory, even if advised of the possibility — and our total aggregate liability for any claim is limited to the amount you paid us in the twelve months before the claim arose. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

14. Indemnification

You agree to indemnify and hold harmless Identiqore and its officers, employees, and agents from third-party claims, losses, and reasonable attorneys’ fees arising from your use of the Service in violation of these terms or of applicable law — including any use of report information for an FCRA-restricted purpose or to harm another person.

15. Dispute resolution and governing law

[Draft — pending counsel review, including whether to adopt binding arbitration.] Any dispute arising from these terms or the Service that cannot be resolved informally will be resolved by binding individual arbitration administered by [arbitration body — e.g., AAA under its Consumer Arbitration Rules], seated in [venue], and you and Identiqore each waive the right to a jury trial and to participate in a class action. Before filing, the complaining party must send a written description of the dispute to the other and allow 30 days for informal resolution.

These terms are governed by the laws of [state — pending counsel review], without regard to conflict-of-law rules.

16. General terms

These terms and the Privacy Policy are the entire agreement between you and Identiqore about the Service. If any provision is found unenforceable, it will be enforced to the maximum extent permitted and the rest remains in effect. Our failure to enforce a provision is not a waiver of it. You may not assign these terms; we may assign them in connection with a merger, acquisition, or sale of assets. We are not liable for delays or failures caused by events beyond our reasonable control. You consent to receive notices and to contract with us electronically; notices to you may be given by email or by posting on the Service.

17. Contact

Questions about these terms: [email protected]. [Mailing address — pending legal entity confirmation.]