Terms of Service

Last Updated: October 1, 2025

Effective Date: January 1, 2025

1. Agreement to Terms

Welcome to BadActors ("Company," "we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of our fraud prevention platform, website, and related services (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use the Services.

2. Definitions

"Merchant" means an e-commerce business that registers for and uses our Services.

"Customer" means an end consumer who makes purchases from a Merchant.

"Fraud Report" means information submitted by a Merchant documenting suspected fraudulent activity.

"Fraudulent Activity" means conduct including but not limited to chargeback fraud, return fraud, item substitution, false claims of non-delivery, or other deceptive practices intended to obtain goods or refunds without proper payment.

"Account" means the account you create to access our Services.

"Fraud Database" means our proprietary database of Fraud Reports submitted by Merchants.

3. Eligibility and Account Registration

3.1 Eligibility

To use our Services, you must:

  • Be at least 18 years of age

  • Have the legal capacity to enter into binding contracts

  • Operate a legitimate e-commerce business

  • Not be prohibited from using the Services under applicable law

  • Not have been previously banned from our Services

3.2 Account Registration

To access the Services, you must:

  • Provide accurate, current, and complete information

  • Maintain and update your account information

  • Keep your password secure and confidential

  • Notify us immediately of any unauthorized access

  • Be responsible for all activity under your Account

3.3 Required Store Information

During registration, you must provide complete and accurate information about your e-commerce business, including:

  • Store name and URL

  • Description of products or services sold

  • E-commerce platform used (Shopify, WooCommerce, etc.)

  • Business contact information

  • Business entity details (legal name, registration)

  • Average monthly order volume

All information provided must be truthful, current, and verifiable.

3.4 Merchant Evaluation and Approval Process

Application Review: All merchant applications undergo a mandatory evaluation process to verify business legitimacy. This process typically takes 3 business days but may take longer depending on the information provided.

Evaluation Criteria: We evaluate applications based on factors including but not limited to:

  • Evidence of active, legitimate e-commerce operations

  • Professional website with functioning checkout

  • Clear product/service offerings

  • Legitimate business contact information

  • Compliance with applicable business regulations

  • Business history and reputation

  • Alignment with our service terms and acceptable use policies

Right to Reject: We reserve the absolute right to reject any merchant application for any reason, including but not limited to:

  • Incomplete or inaccurate information

  • Inability to verify business legitimacy

  • Suspicious or fraudulent business indicators

  • Business selling prohibited or restricted items

  • Previous violations of our Terms or policies

  • Failure to meet our internal qualification standards

Rejection Notice: If your application is rejected, we will notify you via email. We are not obligated to provide specific reasons for rejection, though we may provide general feedback at our discretion.

No Refund for Rejected Applications: Registration fees (if applicable) are non-refundable even if your application is rejected.

Reapplication: If rejected, you may reapply after 30 days if you can address the concerns that led to rejection. Repeated applications without addressing deficiencies may result in permanent prohibition from our Services.

3.5 Ongoing Verification

Even after approval, we reserve the right to:

  • Request additional verification information at any time

  • Re-evaluate your business legitimacy

  • Conduct periodic reviews of merchant accounts

  • Request updated business information

  • Verify continued compliance with these Terms

Failure to provide requested information or satisfy verification requirements may result in account suspension or termination.

3.6 Business Verification

We reserve the right to verify your business information and may request:

  • Business registration documents

  • Tax identification numbers

  • Proof of e-commerce operations

  • Identity verification

  • Bank account verification

  • Trade licenses or permits

  • References from payment processors or platforms

Failure to provide requested verification may result in account suspension or termination.

3.7 One Account Per Business

Each business entity may maintain only one Account. Creating multiple accounts may result in termination of all accounts. How can manage multiple ecommerce sites from one account if they all function under the same buisness.

4. Description of Services

4.1 Core Services

Our Services provide:

  • Integration with e-commerce platforms (Shopify, WooCommerce, etc.)

  • Automated order screening against our Fraud Database

  • Fraud alert notifications when flagged Customers place orders

  • Ability to submit Fraud Reports

  • Access to fraud prevention tools and analytics

  • Merchant dashboard and reporting features

4.2 How the Service Works

Order Scanning: When a Customer places an order on your e-commerce site, our system automatically checks the Customer's information against our Fraud Database.

Fraud Alerts: If a match is found with existing Fraud Reports, you receive an alert containing:

  • Notification that this Customer has fraud reports from other Merchants

  • General nature of reported incidents (chargeback, return fraud, etc.)

  • Number of reports

  • Date range of incidents

Fraud Reporting: You may submit Fraud Reports documenting Fraudulent Activity by your Customers. These reports are added to our Fraud Database and used to alert other Merchants.

4.3 Service Limitations

We do NOT:

  • Share specific customer purchase histories between Merchants

  • Provide legal advice or guarantee legal compliance

  • Make decisions about how you handle orders

  • Guarantee prevention of all fraud

  • Share detailed transaction data from other Merchants

  • Act as a credit reporting agency or consumer reporting agency

You acknowledge that:

  • Our Services are tools to assist with fraud detection

  • Final decisions about orders remain your responsibility

  • Fraud alerts are informational and may not be 100% accurate

  • Not all fraudulent activity will be detected

  • You must conduct your own due diligence

5. Acceptable Use Policy

5.1 Permitted Uses

You may use the Services only for:

  • Legitimate fraud prevention purposes

  • Protecting your business from Fraudulent Activity

  • Making informed decisions about order fulfillment

  • Submitting truthful Fraud Reports based on actual incidents

5.2 Prohibited Uses

You may NOT:

  • Submit false, misleading, or fraudulent reports

  • Use the Services to harass, defame, or discriminate against Customers

  • Submit reports based on personal disputes unrelated to fraud

  • Use the Services for any illegal purpose

  • Attempt to identify specific Customers from other Merchants' reports

  • Share, sell, or redistribute data from our Fraud Database

  • Reverse engineer, decompile, or disassemble any portion of the Services

  • Use automated systems to access the Services without permission

  • Interfere with or disrupt the Services

  • Violate any applicable laws or regulations

  • Impersonate any person or entity

  • Collect information about other Merchants or their Customers beyond what the Services provide

  • Use the Services in a way that violates Customer privacy rights

5.3 Fraud Report Standards

When submitting Fraud Reports, you must:

  • Have a good faith belief that Fraudulent Activity occurred

  • Provide truthful and accurate information

  • Include supporting documentation where available

  • Submit reports only for incidents involving your own business

  • Not submit reports based on speculation or assumptions

You may NOT submit reports based solely on:

  • Customer's race, ethnicity, religion, gender, sexual orientation, or other protected characteristics

  • Personal dislike of the Customer

  • Legitimate disputes or misunderstandings

  • Customer exercising legitimate rights (e.g., valid returns)

5.4 Compliance with Laws

You agree to comply with all applicable laws, including:

  • Privacy and data protection laws (GDPR, CCPA, etc.)

  • Consumer protection laws

  • Anti-discrimination laws

  • Fair Credit Reporting Act (FCRA) requirements

  • E-commerce regulations in your jurisdiction

6. Subscription Plans and Pricing

6.1 Subscription Tiers

We offer multiple subscription plans based on:

  • Number of orders scanned per month

  • Feature access

  • Support level

Current plans and pricing are available at https://app.badactors.io/settings/billing.

6.2 Free Tier

Our free tier includes:

  • Limited order scanning

  • Unlimited Fraud Report submissions

Free accounts may have additional restrictions as specified on our website.

6.3 Paid Subscriptions

Paid subscriptions include:

  • Increased order scanning capacity

  • Unlimited Fraud Report submissions

  • Priority support

6.4 Billing and Payment

Billing Cycle: Subscriptions are billed monthly or annually based on your selected plan.

Payment Methods: We accept payment via credit card, debit card, or other methods specified at checkout.

Automatic Renewal: Subscriptions automatically renew unless cancelled before the renewal date.

Price Changes: We reserve the right to modify pricing with at least 30 days' notice. Continued use after price changes constitutes acceptance.

Taxes: You are responsible for all applicable taxes. Prices do not include sales tax, VAT, or other taxes unless specified.

Refunds: Refunds are provided only as specified in Section 8 (Cancellation and Termination).

6.5 Overage Charges

If you exceed your plan's order scanning limit:

  • You will be notified of the overage

  • Service may be temporarily limited until overage is resolved or it resets at the next month.

6.6 Payment Failures

If payment fails:

  • We will attempt to notify you and retry payment

  • After 3 failed attempts, your account may be suspended or downgraded

  • You remain liable for unpaid amounts

  • We may charge fees for failed payments or collection costs

7. Intellectual Property Rights

7.1 Our Intellectual Property

The Services, including all content, features, functionality, software, algorithms, and Fraud Database, are owned by BadActors and protected by copyright, trademark, patent, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to:

  • Access and use the Services for your internal business purposes

  • Access fraud alerts related to your Customers

  • Use our integration tools with your e-commerce platform

This license does NOT permit you to:

  • Copy, modify, or create derivative works

  • Reverse engineer or decompile the Services

  • Remove proprietary notices

  • Use our trademarks without permission

  • Resell or redistribute the Services

7.2 Your Content

You retain ownership of all data you submit to our Services, including:

  • Business information

  • Fraud Reports

  • Customer data from your transactions

By submitting Fraud Reports, you grant us:

  • A worldwide, non-exclusive, royalty-free license to use, process, and display the information

  • The right to include reports in our Fraud Database

  • The right to aggregate and analyze data for fraud prevention

  • The right to share alerts with other Merchants as described in these Terms

7.3 Feedback

If you provide suggestions, ideas, or feedback about our Services:

  • We may use such feedback without obligation to you

  • You grant us all rights to use and incorporate feedback

  • We are not obligated to keep feedback confidential

8. Cancellation and Termination

8.1 Cancellation by You

You may cancel your subscription at any time by:

  • Accessing your account settings

  • Contacting our support team at support@badactors.io

Cancellation terms:

  • Cancellation is effective at the end of your current billing period

  • You will retain access until the end of the paid period

  • No refunds for partial months or unused service

  • You may export your data before cancellation

  • Fraud Reports you submitted remain in the Fraud Database

8.2 Termination by Us

We may suspend or terminate your Account immediately if:

  • You violate these Terms

  • You submit false or fraudulent reports

  • You engage in prohibited activities

  • Your account is inactive for 12 months

  • Required by law

  • You fail to pay amounts owed

  • We discontinue the Services (with notice)

8.3 Effect of Termination

Upon termination:

  • Your access to the Services immediately ceases

  • You must cease all use of the Services

  • You remain liable for amounts owed

  • You lose access to data stored in your Account

  • Provisions that should survive termination remain in effect

8.4 Data After Termination

After termination:

  • Fraud Reports you submitted remain in the Fraud Database

  • We retain data as required by law or our Privacy Policy

  • You may request data export within 10 days of termination

  • We are not obligated to maintain or return data after 30 days

8.5 No Refunds

Except as required by law:

  • Subscription fees are non-refundable

  • No refunds for partial months or early cancellation

  • No refunds if your Account is terminated for violations

9. Disclaimers and Limitations of Liability

9.1 Service Provided "AS IS"

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • Warranties of merchantability

  • Fitness for a particular purpose

  • Non-infringement

  • Accuracy, reliability, or completeness

  • Uninterrupted or error-free operation

  • Freedom from viruses or harmful components

9.2 No Guarantee of Fraud Prevention

WE DO NOT GUARANTEE THAT:

  • The Services will prevent all fraud

  • Fraud alerts are 100% accurate

  • All fraudulent Customers will be detected

  • The Services will meet your specific requirements

  • You will recover losses from Fraudulent Activity

9.3 Third-Party Integrations

We are not responsible for:

  • Third-party e-commerce platforms (Shopify, WooCommerce, etc.)

  • Availability or accuracy of third-party services

  • Changes to third-party APIs or services

  • Data loss or errors caused by third-party platforms

9.4 Your Responsibility

YOU ARE SOLELY RESPONSIBLE FOR:

  • Decisions about order fulfillment or cancellation

  • Compliance with laws applicable to your business

  • Your treatment of Customers

  • Verifying information before taking action

  • Your own fraud prevention procedures

  • Accuracy of Fraud Reports you submit

9.5 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

WE SHALL NOT BE LIABLE FOR:

  • Indirect, incidental, consequential, special, or punitive damages

  • Lost profits, revenue, data, or business opportunities

  • Damages resulting from fraud not detected by our Services

  • Damages resulting from your reliance on fraud alerts

  • Damages from service interruptions or errors

  • Any damages exceeding the amount you paid us in the 12 months preceding the claim

AGGREGATE LIABILITY CAP:

Our total liability for all claims shall not exceed the greater of:

  • $100 USD, or

  • The amount you paid us in the 12 months before the claim

Exceptions:

Some jurisdictions do not allow limitation of implied warranties or liability for certain damages. In such jurisdictions, our liability is limited to the extent permitted by law.

9.6 Indemnification

You agree to indemnify, defend, and hold harmless BadActors, its officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

  • Your use of the Services

  • Your violation of these Terms

  • Your violation of any law or regulation

  • Your violation of third-party rights

  • Fraud Reports you submit

  • Your treatment of Customers

  • Any dispute between you and a Customer

10. Dispute Resolution

10.1 Governing Law

These Terms are governed by the laws of [Your State/Country], without regard to conflict of law principles.

10.2 Informal Resolution

Before filing a claim, you agree to contact us at [legal email] and attempt to resolve the dispute informally for at least 30 days.

10.3 Arbitration Agreement

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

You and BadActors agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved through binding arbitration, except as specified below.

Arbitration Rules:

  • One arbitrator selected BadActors

  • Each party bears its own costs unless awarded by the arbitrator

Exceptions to Arbitration:

  • Small claims court actions (if qualified)

  • Injunctive or equitable relief for intellectual property infringement

  • Claims that cannot be arbitrated by law

10.4 Class Action Waiver

YOU AND BADACTORS AGREE THAT DISPUTES WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION, CLASS ARBITRATION, OR CONSOLIDATED ACTION.

10.5 Opt-Out

You may opt out of the arbitration agreement by sending written notice to [legal address] within 30 days of first accepting these Terms. Your notice must include your name, address, and a clear statement that you wish to opt out of arbitration.

### 10.6 Jurisdiction and Venue

If arbitration does not apply:

  • Exclusive jurisdiction chosen by BadActors

  • You consent to personal jurisdiction in that location

  • You waive any objection to venue

10.7 Time Limit for Claims

You must bring any claim within one (1) year after the cause of action arises, or the claim is permanently barred.

11. General Provisions

11.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and BadActors regarding the Services.

11.2 Modifications to Terms

We may modify these Terms at any time by:

  • Posting the revised Terms on our website

  • Updating the "Last Updated" date

  • Providing notice via email for material changes

Your continued use after changes constitutes acceptance. If you do not agree to modified Terms, you must stop using the Services and cancel your account.

11.3 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions remain in full effect, and the invalid provision shall be modified to be enforceable to the maximum extent permitted by law.

11.4 Waiver

Our failure to enforce any provision does not waive our right to enforce it later. Any waiver must be in writing and signed by an authorized representative.

11.5 Assignment

You may not assign or transfer your rights or obligations under these Terms without our written consent.

We may assign our rights and obligations without restriction, including to:

  • Affiliates or subsidiaries

  • Acquirers of our business or assets

  • Successors in interest

11.6 Force Majeure

We are not liable for delays or failures in performance resulting from circumstances beyond our reasonable control, including:

  • Natural disasters

  • War, terrorism, or civil unrest

  • Government actions or regulations

  • Internet service provider failures

  • Power outages or equipment failures

  • Pandemics or public health emergencies

11.7 Independent Contractors

You and BadActors are independent contractors. These Terms do not create a partnership, joint venture, employment, or agency relationship.

11.8 No Third-Party Beneficiaries

These Terms do not confer any rights or benefits to third parties except as explicitly stated.

11.9 Notices

To You: We may provide notices via:

  • Email to your registered email address

  • Posting on our website or dashboard

  • In-app notifications

To Us: You must send notices to:
Email: info@badactors.io

Notices are effective when sent (by us) or received (by you).

11.10 Export Compliance

You agree to comply with all export and import laws and regulations. You represent that you are not located in, or a national of, any country subject to embargo or on any restricted party list.

11.11 Language

These Terms are drafted in English. Any translations are provided for convenience only. In case of conflict, the English version prevails.

11.12 Survival

The following sections survive termination of these Terms:

  • Intellectual Property Rights

  • Disclaimers and Limitations of Liability

  • Indemnification

  • Dispute Resolution

  • General Provisions

12. Contact Information

If you have questions about these Terms, please contact us:

BadActors
Email: info@badactors.io
Support: support@badactors.io

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Acknowledgment

BY CLICKING "I ACCEPT," REGISTERING FOR AN ACCOUNT, OR USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SERVICES.