1. Who provides ScamAssessor
"ScamAssessor", "we", "us" and "our" refer to the independent Australian service operated by Raymond J Beck. These Terms apply to the ScamAssessor website at scamassessor.com and, where available, its Android app distributed through Google Play.
ScamAssessor is an independent scam-risk assessment service. It is not affiliated with, endorsed by or acting on behalf of any bank, government agency, police force, payment provider or regulator simply because those organisations are mentioned or linked in the service.
2. Your agreement and eligibility
By creating an account, buying a subscription or using the service, you agree to these Terms to the extent permitted by applicable law. If you do not agree, do not create an account or purchase a subscription. You may contact us about any existing account or billing issue.
The service is intended for people aged 18 or older. You must provide accurate account information, protect your sign-in credentials and notify us if you suspect unauthorised use of your account. Do not send your password to support.
Your use of the Android app may also be subject to applicable Google Play terms. The payment provider you choose may have additional payment terms; these do not remove rights you have against ScamAssessor under applicable law.
3. What an assessment means
ScamAssessor examines selected text, emails, URLs, screenshots, QR-code information and supported file types for indicators of possible fraud or abuse. Depending on the check, the service may use rules, technical data, third-party information or optional AI-assisted analysis. A result is an assessment of available warning signs, not a definitive determination of authenticity, safety or criminal conduct.
A low-risk or zero-risk score does not prove that a message, website, person, business, payment request or file is safe. A high-risk score does not establish that an individual or organisation has committed fraud. Information can be missing, out of date, misleading or changed after analysis. File inspection is limited and is not a comprehensive malware or antivirus scan.
Do not send money, give out passwords or one-time codes, install unfamiliar software or share identity or financial details based only on a ScamAssessor result. For sensitive requests, verify independently using contact details obtained from the relevant organisation’s known official website or app. ScamAssessor does not replace professional, legal, financial, law-enforcement or emergency advice.
4. Free check and access plans
Each eligible ScamAssessor account receives one full free check. This is a one-time entitlement, not a daily, weekly or monthly allowance. Clearing your browser, reinstalling the app or signing out does not restore the free check. Creating or using multiple accounts to evade the limit is not permitted.
Once the free check has been used, further checks generally require paid access. The available plans and features, including any promotional offer, are described on the relevant purchase screen before you agree to pay.
5. Subscription prices, payments and renewal
Where a monthly or annual subscription is offered, it renews automatically for the corresponding billing period unless cancelled before renewal. The price, currency, billing frequency, applicable taxes, any promotional terms and next renewal information shown at checkout or by the payment provider form part of your purchase information. Prices or payment methods may differ between countries and platforms.
For purchases made on the ScamAssessor website, card or supported digital-wallet payments are processed by Stripe and PayPal subscriptions are processed by PayPal. Google Play Billing is the payment route for qualifying Android in-app subscriptions when that functionality becomes available. Its availability must not be assumed merely because the Android app can be installed.
ScamAssessor does not collect or store full payment-card numbers, CVVs, PayPal passwords or PayPal funding details. It keeps limited account, access and billing records needed to provide the service, as explained in our Privacy & data page.
We will provide the renewal notices and obtain any confirmations that applicable law requires. Any material price change will be communicated in accordance with applicable law and the relevant payment provider’s rules.
6. Cancelling automatic renewal
You may stop future subscription renewal. For a website purchase, use any available cancellation controls in your ScamAssessor account or contact support@scamassessor.com with your registered email address and payment provider. If you paid through PayPal, you can also manage authorised automatic payments in your PayPal account. For an Android subscription billed by Google Play, manage it in Google Play subscriptions.
Cancelling stops future renewal charges for that subscription. Normally, you retain paid access until the end of the period you have already paid for. Access may change sooner where a refund, payment reversal, failed payment, serious misuse or a legal requirement affects the entitlement. Any mandatory cancellation or withdrawal rights under applicable law still apply.
Uninstalling the Android app, signing out, clearing browser data or requesting account deletion does not by itself cancel an existing recurring charge with the payment provider. Please confirm that cancellation was recorded by the relevant provider and contact us if anything is unclear.
7. Refunds and consumer rights
Cancellation of future renewals does not automatically refund a completed billing period. We do not promise a prorated refund merely because someone stops using the service partway through a paid period. However, refunds, remedies, cancellation rights and statutory withdrawal rights remain available whenever required by applicable law, the relevant payment provider’s policies or an express offer we have made.
Nothing in these Terms excludes, restricts or modifies rights or remedies that cannot lawfully be excluded, including applicable Australian Consumer Law guarantees. Consumers may have rights if a service is not provided with due care and skill, is not fit for an agreed purpose or otherwise fails applicable guarantees.
If you believe a charge is incorrect or the service has not met a legal guarantee, contact support@scamassessor.com. Tell us the account email, purchase platform, date and transaction reference if available; do not send full card details or passwords. Google Play buyers can also use Google Play’s refund and support processes. We will assess requests in accordance with applicable law.
8. Your submissions and privacy
You choose what content to submit for checking. Some processes run locally in your browser or app, while others may send submitted or extracted information to ScamAssessor servers. Where configured, some domain or URL checks can involve external technical services, and AI-assisted analysis may involve an external AI provider. Please remove unnecessary passwords, one-time codes, payment details, identity numbers and other sensitive information before submitting content.
Case history you choose to save is stored in the browser on that device, rather than as a synchronised account history. Clearing that history does not delete your online account or cancel a subscription. Data categories, processing, providers, retention and privacy requests are explained in the ScamAssessor Privacy Policy, which should be read alongside these Terms.
9. Responsible use
You may use the service for lawful personal or business scam-awareness purposes. You must not interfere with the service, attempt to bypass access or payment limits, attack the infrastructure, automate excessive requests, misuse other people’s accounts, or deliberately submit material to compromise the service.
You may check suspicious messages or files you have received; the fact that a sample might be malicious does not, by itself, breach these Terms. You are responsible for obtaining any permission required to submit material and for complying with laws that apply to your use. Do not upload private information about others unless reasonably necessary and lawful.
10. Account deletion
You can request account deletion by emailing support@scamassessor.com from, or identifying, the email linked to your account. We may take reasonable steps to verify account ownership. Where an in-app deletion process is available, its confirmation screen will explain its timing and effect.
If a paid subscription is still active, we will explain the effect on any remaining access and how renewal cancellation is handled through the relevant payment provider. Account deletion and subscription cancellation are separate actions. Limited records may be retained after deletion where required for tax, accounting, legal, payment-dispute or security purposes, as described in the Privacy Policy.
11. Ownership and permitted use of content
ScamAssessor and its original website content, software, interfaces, names, logos and explanatory materials are owned by or licensed to the operator, subject to applicable intellectual-property law. You may use the service and save or print your own results for lawful personal or internal business purposes; you may not copy the service or redistribute its code or branded content as your own.
You retain whatever rights you hold in material you submit. You authorise ScamAssessor and the service providers described in the Privacy Policy to process that material only as reasonably needed to provide the requested analysis, operate and protect the service, and meet legal obligations. This does not transfer ownership of your material to ScamAssessor.
12. Third-party information and links
The service may display official reporting, recovery or other third-party websites for your selected country or region. Those websites are independently operated, may change, and have their own terms and privacy practices. A link does not mean ScamAssessor controls, sponsors or guarantees the linked service. Always verify an official destination independently if it relates to money, personal data or account recovery.
13. Updates and availability
We take reasonable steps to maintain the service but may need to perform maintenance, address technical faults, update detection rules or change integrations. External reputation sources and network services may be temporarily unavailable. We will take account of customers’ paid entitlements and applicable rights if a material feature or service becomes unavailable.
We will not use a general right to update the service to remove mandatory consumer remedies. Where a significant change affects a paid subscription, we will provide the information, notice, cancellation options or other remedies required by applicable law.
14. Restricting or ending access
We may take proportionate steps to restrict access when reasonably necessary to address fraud, serious misuse, security threats, a legal requirement or an invalid payment entitlement. Where practicable and appropriate, we will tell the affected user why and how to contact us. If a restriction was applied in error, please contact support so we can review it.
Ending access does not automatically erase data that must be retained lawfully, and it does not remove any statutory right to a refund, compensation or other remedy.
15. Guarantees and responsibility
ScamAssessor uses automated and third-party signals that can be incomplete or wrong. No risk result can guarantee that another person, organisation, website, payment request or file is genuine, safe or fraudulent. You remain responsible for independently checking important decisions, while we remain responsible for meeting the standards and obligations imposed on us by applicable law.
To the extent legally permitted, we are not responsible for loss caused solely by a user treating an unverified score as proof of safety or by circumstances beyond our reasonable control. Nothing in this section limits our liability for a failure to provide services with due care and skill, or any other liability or remedy that applicable law does not allow us to exclude.
16. Applicable law and resolving concerns
These Terms are interpreted under the laws of South Australia and applicable Australian law, except where mandatory consumer protections or jurisdictional rules in your country or region provide otherwise. Nothing in these Terms requires a consumer to give up a right to use a court or complaint process that applicable law protects.
Please email us first at support@scamassessor.com with the issue and relevant account or purchase information (but not your password or card number). We will make reasonable efforts to investigate and respond. You remain free to contact an applicable consumer-protection agency or exercise legal rights.
17. Changes to these Terms
We may update these Terms when the service, payment arrangements or applicable laws change. The current version and its update date will appear on this page. We will provide notice or obtain agreement for material changes where required by law. A later change does not remove rights you have already acquired under mandatory consumer law or an existing purchase.
18. Contact
ScamAssessor
Operated by Raymond J Beck (Australia)
Email: support@scamassessor.com
Postal correspondence: PO Box 281, Mannum SA 5238, Australia
Website: https://scamassessor.com/