Terms of Service & End-User License Agreement

Effective date: June 6, 2026  ·  Last updated: June 9, 2026

1. Acceptance of These Terms

These Terms of Service and End-User License Agreement ("Terms") form a binding legal agreement between you ("you," "your," or "user") and RAYFINITE LLC, a limited liability company organized under the laws of the State of Wyoming, United States, with its principal place of business at 30 N Gould St Ste N, Sheridan, Wyoming 82801, USA ("FactGuard," "we," "us," or "our"). These Terms govern your use of the FactGuard iOS application, the FactGuard web application, and the factguard.org website (together, the "Service").

By downloading, installing, accessing, or using the Service, you represent that you are at least 13 years of age, that you have the legal capacity to enter into a binding agreement (or have your parent or legal guardian's consent if you are a minor in your jurisdiction), and that you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

2. License Grant (End-User License Agreement)

2.1 Grant

Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to download and use the FactGuard app on devices that you own or control, and to access the web application, solely for your personal, non-commercial use.

2.2 Apple Licensed Application End User License Agreement

The iOS app is distributed through the Apple App Store. Your use of the app is also subject to Apple's standard Licensed Application End User License Agreement, available at apple.com/legal/internet-services/itunes/dev/stdeula. To the extent permitted by law, these Terms supplement and, where they conflict, take precedence over Apple's standard EULA. You acknowledge that Apple has no obligation to furnish maintenance or support for the app.

2.3 Acceptable-Use Restrictions

You agree that you will not, and will not permit anyone else to:

• Copy, modify, adapt, translate, reverse-engineer, decompile, disassemble, or create derivative works of the Service or its content, except where such restriction is prohibited by law;
• Remove, obscure, or alter any copyright, trademark, or other proprietary notice;
• Use the Service to violate any applicable law or regulation or the rights of any third party;
• Submit content that is unlawful, defamatory, harassing, threatening, hateful, or fraudulent, or that contains the personal data of others without authorization;
• Attempt to manipulate, spam, poison, or abuse the verification pipeline, or submit deliberately deceptive inputs to degrade the Service;
• Circumvent, disable, or interfere with any security, integrity, rate-limiting, or quota measure;
• Probe, scan, or test the vulnerability of the Service, or attempt to gain unauthorized access to it or its related systems;
• Use automated tools, bots, or scripts to submit queries at volume, or otherwise place an unreasonable load on the Service;
• Resell, rent, sublicense, or commercially exploit the Service or its outputs except as expressly permitted.

3. Accounts

Some features require an account. You are responsible for safeguarding your credentials and for all activity that occurs under your account. You agree to provide accurate information and to keep it current. Notify us immediately at [email protected] if you suspect unauthorized access. Where available, you may use the Service as a guest with limited functionality.

4. The Service and Automated Verdicts

FactGuard is an evidence-based fact-verification service. When you submit a claim, statement, or URL, the Service returns an automated verdict consisting of a calibrated confidence score (0–100), supporting reasoning, and cited sources. Verdicts are generated through automated analysis. An optional on-device verification mode processes your submission locally on your device.

5. Accuracy and Automated-Verdict Disclaimer — Important

The verdicts, confidence scores, summaries, and source citations produced by FactGuard are generated by automated analysis. Automated systems can make mistakes, reflect gaps or biases in their inputs, misinterpret context, or produce outputs that appear confident but are wrong. Confidence scores express a statistical estimate, not a guarantee of correctness.

FactGuard is not a final authority on the accuracy or falsity of any claim. The Service is provided for general informational purposes only and is not a substitute for independent verification or for professional advice. Verdicts do not constitute legal, medical, financial, tax, or other professional advice.

You are responsible for independently verifying any information before relying on it, including by reviewing the cited primary sources and other authoritative sources. You should not use the Service as the sole basis for decisions concerning health, safety, legal matters, financial matters, or any other matter where accuracy is important. To the maximum extent permitted by law, the outputs of the Service are provided "as is," without any warranty of accuracy, completeness, reliability, or fitness for any particular purpose.

6. FactGuard Pro — Subscriptions and Billing

6.1 Pricing

FactGuard Pro is offered as an auto-renewing subscription:

• Monthly: $4.99 USD per month
• Annual: $36.99 USD per year

Prices are stated in U.S. dollars. Local pricing may vary by region; on the web your card is charged in U.S. dollars (or your card's currency as converted by our payment processor), and on iOS pricing follows Apple's App Store framework.

6.2 How Billing Works

On the web (factguard.org), subscriptions are billed through our third-party payment processor. Payment is charged at confirmation of purchase — there is no free trial, and billing begins immediately. We do not receive or store your full payment card details. On iOS (when available), subscriptions are sold and processed by Apple Inc. through the App Store and StoreKit, charged to your Apple Account, and subject to Apple's terms.

6.3 Auto-Renewal

Your subscription automatically renews at the end of each billing period at the then-current price until you cancel. For web subscriptions, renewal is processed by our payment processor at the start of each period; for iOS, Apple charges the renewal within 24 hours before the end of the current period.

6.4 How to Cancel

You may cancel at any time. On the web, manage or cancel your subscription through the Customer Portal, reachable from the Upgrade screen in the app (you can also update your payment method and view invoices there); we do not process cancellations by email request. On iOS, cancel through the App Store: Settings → [your name] → Subscriptions → FactGuard → "Cancel Subscription" (deleting the app does not cancel your subscription). In all cases, cancellation takes effect at the end of the current billing period, and you retain Pro access until then.

6.5 Refunds

Web subscriptions. Payments are non-refundable, and we do not issue partial or prorated refunds for unused time remaining in a billing period. There is no free trial — billing begins immediately on purchase, and the free tier serves as the product trial. At our sole discretion we will refund genuine billing errors (such as a duplicate charge, or a charge processed after a valid cancellation) if you contact us within 14 days of the charge.

iOS subscriptions. All App Store purchases and renewals are handled by Apple and are subject to Apple's refund policy; we do not directly process refunds for App Store transactions. To request a refund from Apple, visit reportaproblem.apple.com.

6.6 Price Changes

We may change subscription prices on reasonable notice (for iOS, where required, Apple will notify you in advance). Your continued subscription after a change takes effect constitutes acceptance of the new price; you may cancel before the new price applies.

7. Intellectual Property

The FactGuard Service, including its software, design, user interface, branding, logos, text, and the selection and arrangement of content (excluding third-party content and your inputs), is owned by RAYFINITE LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. Except for the limited license granted above, no rights are granted to you. Nothing in these Terms gives you any right to use our names, trademarks, or branding without our prior written consent.

You retain ownership of the claims and inputs you submit. You grant us a limited license to process those inputs solely to operate the Service and generate your verdicts. We make no proprietary claim over the raw outputs of third-party AI processing providers; however, the FactGuard interface, presentation, and arrangement remain proprietary.

8. Third-Party Services

The Service relies on third-party services, including Apple, Google/Firebase, and AI processing providers. Your use of those services may be subject to their respective terms and policies. We are not responsible for the availability, accuracy, content, or conduct of any third-party service, and your dealings with them are solely between you and that third party.

9. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the service is provided "as is" and "as available," with all faults and without warranties of any kind, whether express, implied, statutory, or otherwise, including any implied warranties of merchantability, fitness for a particular purpose, title, accuracy, and non-infringement. We do not warrant that the service will be uninterrupted, secure, timely, error-free, or free of viruses or other harmful components, or that any verdict or output will be accurate or reliable. No advice or information obtained from the service creates any warranty not expressly stated in these terms.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

10. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall RAYFINITE LLC or its members, managers, officers, employees, or agents be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or other intangible losses, arising out of or relating to (i) your access to, use of, or inability to use the service; (ii) any verdict, confidence score, or other automated output, including any inaccuracy or incompleteness; (iii) any reliance placed on the service; (iv) any unauthorized access to or alteration of your data; or (v) any conduct or content of any third party, whether based in contract, tort, negligence, strict liability, or any other theory, and whether or not we were advised of the possibility of such damages.

To the maximum extent permitted by applicable law, the total aggregate liability of RAYFINITE LLC arising out of or relating to these terms or the service shall not exceed the greater of (a) the total amount you paid us, if any, for FactGuard Pro in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) ten U.S. dollars ($10.00).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In such jurisdictions, our liability is limited to the maximum extent permitted by law. The disclaimers and limitations in these Terms reflect the allocation of risk between the parties and are an essential basis of the bargain.

11. Indemnification

You agree to indemnify, defend, and hold harmless RAYFINITE LLC and its members, managers, officers, employees, and agents from and against any and all claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your use of the Service, your inputs, your violation of these Terms, or your violation of any law or any rights of a third party.

12. Suspension and Termination

We may suspend, restrict, or terminate your access to the Service at any time, with or without cause and with or without notice, including for violations of these Terms or to protect the Service or other users. Upon termination, your license to use the Service ends immediately. You may terminate at any time by ceasing use and deleting your account through the app (Profile → Delete Account). Provisions that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, indemnification, and governing law — will survive.

13. Governing Law and Dispute Resolution

These Terms and any dispute or claim arising out of or relating to them or the Service are governed by the laws of the State of Wyoming, United States, without regard to its conflict-of-law rules, and, where applicable, by the laws of the United States.

The parties will first attempt to resolve any dispute informally by contacting each other in good faith. If a dispute is not resolved within thirty (30) days, you and RAYFINITE LLC agree that it shall be brought exclusively in the state or federal courts located in the State of Wyoming, and you consent to the personal jurisdiction of, and venue in, those courts. Nothing in this section limits any non-waivable statutory rights you may have under the laws of your country of residence, including consumer-protection rights in the EEA or UK.

14. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will update the "Effective date" and "Last updated" dates above and, where appropriate, provide additional notice (for example, by email or an in-app notice). Your continued use of the Service after the effective date of any change constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service.

15. Severability and General Provisions

If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect. Our failure to enforce any provision is not a waiver of our right to do so later. 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. These Terms, together with the Privacy Policy and any additional terms you agree to, constitute the entire agreement between you and us regarding the Service.

16. Contact

Questions about these Terms? Contact:

• RAYFINITE LLC (a Wyoming limited liability company)
• 30 N Gould St Ste N, Sheridan, Wyoming 82801, USA
• Email: [email protected]
• Website: factguard.org