Effective date: August 12, 2026
These Terms of Service ("Terms") govern your use of the ScamMessage website and mobile application and related features (collectively, "the service"). The website provides the scan tool, informational pages, and email confirmation; there are no web accounts, dashboards, or web login. Account-based features are available only in the mobile app. By using the service, you agree to these Terms. If you do not agree, do not use the service.
Purpose of the Service
ScamMessage provides automated tools that analyze digital messages and screenshots to identify patterns commonly associated with scams, along with optional protection features such as scam call labeling, SMS filtering, family activity monitoring, and bank-transaction monitoring. The service is intended for informational and educational purposes only.
No Guarantee of Accuracy
Scam detection is inherently complex. The analysis generated by the service is based on automated pattern recognition and models. The service does not guarantee that any message is legitimate or fraudulent. A result indicating a message appears "safe" is not a guarantee of safety, and a result indicating risk is not a definitive determination of fraud. You should always independently verify suspicious messages before taking action.
Protection features such as call labeling and SMS filtering operate on a best-effort basis using patterns and sender information. They may not catch every scam, and they may occasionally flag legitimate calls or messages. These features depend on device permissions and operating-system capabilities and are not guaranteed to identify all unwanted communications.
User Responsibility
You are responsible for how you interpret and use the analysis and alerts the service provides. The service should not be relied upon as the sole method for determining whether a message, caller, or transaction is safe.
Accounts
Some features require you to create an account in the mobile app. There are no accounts, dashboards, or login on the website. You are responsible for maintaining the confidentiality of your account credentials and for activity that occurs under your account. You agree to provide accurate information and to keep it up to date.
You may delete your account at any time from within the app. Deleting your account permanently removes your associated personal data as described in our Privacy Policy. We may suspend or terminate accounts that violate these Terms.
Subscriptions and Billing
ScamMessage offers an optional paid subscription that unlocks additional features. Paid plans include Protect, Family, and Household tiers, which differ in daily scan limits and how many other people you can protect. A free tier is also available with more limited access. The following terms apply to paid subscriptions:
- Auto-renewal. Paid subscriptions are auto-renewing and are offered on a monthly or annual basis through Apple In-App Purchase. Your subscription automatically renews at the end of each billing period and is charged to your Apple ID payment method at the then-current price, until you cancel.
- Payment processor. Subscriptions are billed through the App Store and managed by Apple. We do not store your full payment card details; those are handled by Apple. RevenueCat processes subscription and entitlement data on our behalf so we can provide the features included with your tier.
- Managing and cancelling. You can manage or cancel your subscription at any time in your Apple ID subscription settings. Cancellation takes effect at the end of your current billing period, and you will retain access to your paid tier until then.
- Price changes. We may change subscription pricing. If we do, the change will apply to billing periods after the change, and we will provide notice where required.
- Refunds. Refunds for App Store purchases are handled by Apple in accordance with Apple's refund policies.
Bank Monitoring Feature
Bank Monitoring is an optional feature that allows transaction activity to be monitored for signs of scam-related activity, with alerts sent to a connected family member where applicable. By enabling this feature:
- You consent to ScamMessage accessing your bank transaction data through Plaid, a third-party financial-data provider.
- You acknowledge that transaction alerts may be sent to a connected account holder you have approved as a monitor.
- You must be 18 years or older to connect a bank account.
- You can disconnect your bank account at any time from the app, which revokes access and deletes the associated financial data.
- ScamMessage is not a financial institution and does not store your banking login credentials.
- Transaction monitoring is provided for scam-protection purposes only and does not constitute financial advice. Alerts may be delayed or incomplete and are not a substitute for monitoring your own accounts.
Family / Monitoring Connections
The service offers a consent-based monitoring feature that allows one account holder (a "monitor") to view certain activity from another account holder, only after the monitored account approves the connection through an invitation. A person can be monitored by at most two other people at a time. Alerts are delivered only to direct monitors and are never forwarded further.
If you set up or accept a monitoring connection, you are responsible for ensuring you have the authority and consent to do so. If the monitored person is under the age of 18, the connection must be established and consented to by that person's parent or legal guardian. Either party may end a monitoring connection.
When a monitoring connection ends, coverage for that relationship is fully removed: the bank connection is disconnected through Plaid, stored transaction and financial-event data associated with that monitoring coverage is deleted, and call logging is turned off. Re-establishing the connection later requires connecting the bank again and setting up protection features anew.
Acceptable Use
You agree not to use the service to:
- Perform automated abuse or scraping
- Attempt to disrupt, overload, or interfere with the service
- Upload illegal content
- Reverse engineer, decompile, or attempt to extract the source of the service
- Use the service to monitor any person without their consent or your lawful authority to do so
Rate Limits
To maintain availability and prevent abuse, the service limits the number of analyses available per user within a given time period. Limits may differ between the free tier and paid tiers (Protect, Family, and Household).
Service Availability
The service is provided "as is" and "as available," without guarantees of uptime or uninterrupted availability. We may modify, suspend, or discontinue any part of the service at any time.
Limitation of Liability
To the maximum extent permitted by law, ScamMessage and its creators are not liable for any financial loss, damages, or consequences resulting from your use of, or reliance on, the analysis, alerts, or features provided by the service. The service is a tool to assist your own judgment and is not a guarantee against scams or fraud.
Changes to These Terms
We may update these Terms from time to time. Continued use of the service after updates take effect constitutes acceptance of the revised Terms. Updates will be posted on this page with a revised effective date.
Governing Law
These Terms are governed by the laws of the State of Minnesota, USA, without regard to conflict-of-law principles.
Contact
If you have questions about these Terms, you can reach us through the feedback form on our Privacy page.