Welcome to www.rangersai.com and the webpages and content made available through that domain (collectively, the “Website”). The Website is owned and operated by RangersAI, Inc. (“RangersAI,” “we,” “our,” or “us”). “You” and “your” refer to any person who accesses or uses the Website.

These Terms of Use (“Terms”) govern only your access to and use of the Website. They do not govern your use of ScamRanger or any other RangersAI application, software, platform, product, or service made available to a bank, financial institution, enterprise customer, or its customers or end users. Any such product or service may be governed by separate terms, agreements, or notices.

By accessing or using the Website, you agree to these Terms and our Privacy Policy. If you do not agree, please do not use the Website.

1. ABOUT THE WEBSITE

The Website provides general information about RangersAI, our company, technology, products, research, resources, partnerships, and business offerings. The Website is intended primarily for informational, educational, promotional, and business-development purposes.

Nothing on the Website constitutes a commitment to provide any particular product, service, feature, functionality, pricing, availability, performance level, or commercial arrangement. Any purchase, pilot, deployment, license, or other use of a RangersAI product or service is subject to the applicable separate agreement.

2. MODIFICATIONS

We may modify these Terms from time to time. When we do, we will post the revised Terms on the Website and update the “Last Updated” date. Changes will become effective as permitted by applicable law. Your continued use of the Website after the effective date of revised Terms constitutes acceptance of those revised Terms, except where applicable law requires another form of notice or consent.

We may modify, suspend, or discontinue all or any part of the Website at any time, subject to applicable law.

3. ELIGIBILITY AND PERMITTED USE

You may access and use the Website only in compliance with these Terms and applicable law. You are responsible for ensuring that your use of the Website is lawful in the jurisdiction from which you access it.

The Website is not directed to children and is intended for a general business and professional audience. If we learn that personal information has been collected from a child in circumstances requiring parental consent or other authorization under applicable law, we will take appropriate steps consistent with our Privacy Policy and applicable law.

4. PROHIBITED USES

You may not, and may not attempt to:

(a) copy, reproduce, distribute, publicly display, modify, create derivative works from, sell, license, or otherwise exploit the Website or its Content except as expressly permitted by these Terms or with our prior written authorization;

(b) interfere with, disrupt, damage, or compromise the Website, its servers, networks, security controls, or operation;

(c) circumvent or attempt to circumvent access controls, security features, usage limitations, or technological protections associated with the Website;

(d) use automated means, including bots, spiders, scrapers, or crawlers, to access or collect information from the Website except as expressly authorized by us or as permitted by applicable law;

(e) introduce malicious code, viruses, malware, or other harmful material;

(f) use the Website for unlawful, fraudulent, deceptive, abusive, harassing, infringing, or otherwise harmful purposes;

(g) impersonate any person or entity or misrepresent your affiliation with RangersAI or any other person or entity; or

(h) use the Website in a manner that infringes or violates the intellectual property, privacy, publicity, confidentiality, or other rights of any person or entity.

5. INTELLECTUAL PROPERTY

The Website and all content made available through it, including text, articles, reports, graphics, images, videos, designs, software, interfaces, logos, trademarks, service marks, trade names, and other materials (collectively, “Content”), are owned by or licensed to RangersAI and are protected by applicable intellectual property and other laws.

“RangersAI,” “ScamRanger,” associated logos, and other names, marks, and branding displayed on the Website are trademarks or service marks of RangersAI or their respective owners. Nothing in these Terms grants you any right to use any trademark, logo, or branding except with prior written permission from the applicable owner.

Subject to these Terms, RangersAI grants you a limited, revocable, non-exclusive, non-transferable right to access and use the Website and Content for lawful informational and internal business purposes. All rights not expressly granted are reserved.

If you voluntarily provide feedback, suggestions, or ideas concerning the Website or RangersAI’s products or services, you grant RangersAI the right to use that feedback without restriction or obligation to you, to the extent permitted by applicable law.

6. THIRD-PARTY LINKS AND CONTENT

The Website may contain links to third-party websites, services, resources, or content. RangersAI does not control and is not responsible for third-party websites, services, content, privacy practices, security, availability, or terms. A link does not imply endorsement unless we expressly state otherwise.

If you follow a third-party link, your use of the third-party service is governed by that third party’s terms and privacy practices. You should review them before providing personal information or using the service.

7. PRIVACY AND DATA PROTECTION

Our collection, use, disclosure, retention, and other processing of personal information through the Website are described in our Privacy Policy. The Privacy Policy is incorporated into these Terms by reference for purposes of explaining our privacy practices; where applicable law requires separate consent, your use of the Website alone will not be treated as that consent.

Depending on where you live and which laws apply, you may have rights regarding your personal information, including rights to access, know about, correct, delete or erase, restrict or object to certain processing, receive or transfer certain data, withdraw consent where processing is based on consent, and opt out of certain sales, sharing, targeted advertising, or direct marketing. Applicable rights, exceptions, verification procedures, and methods for submitting requests are described in our Privacy Policy.

Where the General Data Protection Regulation (“GDPR”) or similar European data-protection laws apply, our Privacy Policy will identify, as applicable, the relevant controller, purposes of processing, categories of personal data, legal bases, recipients, retention periods or criteria, international-transfer safeguards, data-subject rights, and the right to lodge a complaint with a competent supervisory authority.

Where the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, “CCPA”), applies, our Privacy Policy will provide the disclosures and consumer-rights information required by applicable law, including information regarding categories of personal information collected, sources, purposes, categories of recipients, retention, and any sale or sharing of personal information, if applicable, together with instructions for exercising applicable California privacy rights.

We may use cookies and similar technologies on the Website. Where consent is required by applicable law, non-essential cookies or similar technologies will be used only in accordance with the choices presented through our cookie or consent-management mechanism. You can review and, where available, change your choices through the Website’s cookie settings. Where legally required, we will also honor applicable opt-out preference signals, such as Global Privacy Control, as described in our Privacy Policy.

Privacy questions and requests should be submitted using the contact method identified in our Privacy Policy.

8. INFORMATIONAL AND PROMOTIONAL CONTENT

The Website and its Content are provided for general informational, educational, promotional, and business purposes only. Content may discuss scams, fraud, cybersecurity, artificial intelligence, risk, consumer behavior, financial services, or related topics, but it is not legal, financial, investment, cybersecurity, fraud, regulatory, or other professional advice.

You should not rely on Website Content as a substitute for advice from appropriately qualified professionals or for your own assessment of a particular situation.

9. DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, AVAILABILITY, OR SECURITY.

RangersAI does not warrant that the Website or Content will be uninterrupted, error-free, current, complete, secure, or free from harmful components, or that defects will be corrected. Nothing in these Terms excludes any warranty or right that cannot lawfully be excluded.

10. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, RANGERSAI AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS OPPORTUNITY, GOODWILL, OR DATA, ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE WEBSITE OR CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE AGGREGATE LIABILITY OF RANGERSAI AND THE PARTIES IDENTIFIED ABOVE FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE WEBSITE OR THESE TERMS WILL NOT EXCEED USD $100.

Some jurisdictions do not permit certain exclusions or limitations of liability. In those jurisdictions, the exclusions and limitations above apply only to the maximum extent permitted by law. Nothing in these Terms limits liability that cannot lawfully be limited or excluded.

11. INDEMNIFICATION

To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless RangersAI and its affiliates, directors, officers, employees, and agents from claims, liabilities, damages, losses, and reasonable costs and expenses arising from your material violation of these Terms, your unlawful use of the Website, or your infringement of a third party’s rights.

12. TERMINATION AND SUSPENSION

We may suspend or terminate your access to all or part of the Website if we reasonably believe you have violated these Terms, used the Website unlawfully, or created a security or operational risk. We may also discontinue the Website or any portion of it. Where required by applicable law, we will provide any notice or remedy that cannot lawfully be waived.

Upon termination of your right to use the Website, provisions that by their nature should survive will survive, including provisions concerning intellectual property, disclaimers, limitations of liability, indemnification, governing law, and general terms.

13. INTERNATIONAL USE

The Website is operated from the United States. We make no representation that the Website or Content is appropriate or available in every jurisdiction. If you access the Website from outside the United States, you are responsible for compliance with applicable local laws. Our handling of personal information, including any applicable international data transfers, is described in our Privacy Policy.

14. GOVERNING LAW AND DISPUTES

Except to the extent prohibited by applicable law, these Terms and any dispute arising from or relating to these Terms or the Website will be governed by the laws of the State of Florida, without regard to conflict-of-laws principles. Subject to any rights you may have under mandatory applicable law, you agree to the personal jurisdiction and venue of the state and federal courts located in Palm Beach County, Florida.

Nothing in this section deprives a consumer or data subject of protections, remedies, or rights that cannot be waived under applicable law.

15. GENERAL

These Terms, together with the Privacy Policy and any other notices expressly incorporated by reference, constitute the agreement between you and RangersAI regarding your use of the Website. They do not supersede or modify any separate written agreement between RangersAI and a customer, partner, vendor, or other party.

If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in effect. Our failure to enforce a provision is not a waiver. You may not assign your rights or obligations under these Terms without our prior written consent; RangersAI may assign these Terms in connection with a merger, acquisition, reorganization, sale of assets, or by operation of law, subject to applicable law.

16. CONTACT

Questions about these Terms may be sent to: privacy@scamranger.ai. Privacy requests should be submitted using the methods specified in the RangersAI Privacy Policy.

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