Terms of Service

Last updated: [DATE].

1. What the service is

Check with Kin reviews emails, text messages, and screenshots that registered family members send us and replies with an opinion about whether the message shows signs of being a scam. It is an informational second opinion. It is not security software, monitoring, insurance, fraud prevention, or legal, financial, or technical advice.

2. What the service is not

• We never state that a message is safe, genuine, or legitimate. Our best result, “No red flags found,” means we did not find any of the signs we look for. It is not a confirmation that the message is real.
• We do not detect every scam. Scammers change tactics constantly. You and your family remain responsible for decisions about money, accounts, and personal information.
• We do not contact senders, investigate, recover funds, or take down websites.
• Reply times are a best-effort target, not a promise.

3. Accounts and family members

• The person who signs up (“account holder”) must be 18 or older and is responsible for the account.
• The account holder may register parents or other adult family members (“members”) by providing their email address and/or mobile number. The account holder represents that each member has agreed to use the service and has been told that Scam verdicts are also sent to the account holder.
• Members may stop alerts to the account holder (reply STOP ALERTS) or stop all text messages (reply STOP) at any time.
• [Founder: address powers of attorney, guardianship, and what happens if a member lacks capacity.]

4. Text messages

By registering a mobile number you consent, and represent that the member consents, to receive automated text messages from us in reply to messages sent to our number and, for account holders, alerts and service messages. Message and data rates may apply. Reply HELP for help and STOP to cancel. [Founder: conform to carrier A2P 10DLC campaign language and TCPA consent requirements.]

5. Email

Replies to forwarded messages are transactional. The weekly digest and service announcements include an unsubscribe link. [Founder: CAN-SPAM footer with physical address.]

6. Acceptable use

• Forward only messages you or your registered members actually received.
• Do not use the service to test, tune, or evade scam detection, or to analyze messages in bulk.
• Do not register anyone who has not agreed to participate.
• We may suspend or close accounts that violate these terms or that we believe are being used to harm someone.

7. Fees and trial

[Founder: trial length, price, billing cycle, auto-renewal disclosure as required by state auto-renewal laws, cancellation method (self-serve, no call), refund policy.]

8. Privacy

Our Privacy Policy is part of these terms. In summary: forwarded content is deleted after 30 days, never sold, and never used to train AI models. By using the service you consent to the quality-review process described there.

9. No professional relationship

The founder is a licensed attorney. Using this service does not create an attorney-client relationship, and nothing we send is legal advice. The service is operated by [legal entity], which is separate from any law practice.

10. Disclaimer of warranties

The service is provided “as is.” We disclaim all warranties, express or implied, including accuracy, fitness for a particular purpose, and non-infringement, to the fullest extent permitted by law. [Founder: review enforceability against consumers in relevant states.]

11. Limitation of liability

To the fullest extent permitted by law, our total liability for any claim arising from the service is limited to the fees you paid us in the twelve months before the claim. We are not liable for indirect, incidental, or consequential damages, including losses to a scam that we did not detect or that occurred after a “No red flags found” result. [Founder: consider whether a consumer-friendly carve-out for gross negligence or willful misconduct is required or advisable.]

12. Disputes

[Founder: governing law, venue, and whether to include arbitration and class-action waiver. Consider the trust cost of arbitration with this customer base.]

13. Changes and termination

We may change these terms with notice by email. You may cancel at any time from your account. We may discontinue the service with at least 30 days' notice and a pro-rated refund of any prepaid period.

14. Contact

[Legal entity name], [mailing address], [support@domain].