Rules for a trust-first safety platform

These Terms apply to visitors, registered users, reporters, verified profile holders, businesses, API customers, and anyone submitting or viewing information through CheckKaroo.

If you use CheckKaroo for an organization, platform, marketplace, or business, you confirm that you have authority to accept these Terms on its behalf.

Additional product terms, order forms, API agreements, verification rules, privacy notices, or refund policies may apply to specific services.

The platform may help users search identifiers, submit scam reports, organize evidence, verify identity signals, detect patterns, and review risk indicators.

CheckKaroo does not replace police complaints, bank escalation, payment-app support, legal advice, regulator complaints, or cybercrime reporting.

For fresh financial fraud in India, users should immediately call 1930 and file a complaint at cybercrime.gov.in with transaction references.

You must submit truthful information to the best of your knowledge and avoid exaggeration, impersonation, fabricated evidence, or misleading context.

You must not upload revenge content, intimate media, private identity documents, private addresses, bank credentials, passwords, OTPs, or unrelated personal data.

You must not scrape, spam, automate abuse, bypass rate limits, attack infrastructure, create fake reports, or coordinate mass-reporting campaigns.

You must not use search results as the sole basis for harassment, public accusations, employment rejection, financial denial, or unlawful discrimination.

Submitted reports may be accepted, rejected, masked, edited for privacy, merged with duplicate reports, categorized, escalated, or held for further review.

A report is an allegation unless and until supported by sufficient evidence, moderation review, or official documentation. It should not be treated as a final legal finding.

CheckKaroo may remove or limit content that appears defamatory, abusive, private, unverifiable, irrelevant, malicious, unlawful, or unsafe.

Evidence may include transaction IDs, UPI references, phone numbers, emails, social profile URLs, chat exports, screenshots, invoices, police acknowledgements, bank complaints, and regulator references.

Verification may include mobile OTP, email OTP, face liveness, Aadhaar masked verification, PAN verification, passport verification, social profile checks, or business checks.

Sensitive document numbers should be stored or shown only in masked, tokenized, or verification-status form where technically and legally appropriate.

Verification can be declined, paused, revoked, rechecked, or limited where fraud, abuse, mismatch, policy breach, chargeback, or security risk is detected.

Users must not sell, rent, transfer, or misrepresent a verified badge or verified profile.

Risk levels are informational and may change as new evidence, disputes, verification checks, or moderation decisions are processed.

AI-based signals may include duplicate profile detection, reverse image similarity, pattern analysis, behavioral anomalies, multi-account detection, and reputation signals.

AI systems can make mistakes. Important decisions should include human review, context, direct verification, and where needed, legal or official authority input.

CheckKaroo may withhold details about detection methods where disclosure could help fraudsters bypass safety systems.

CheckKaroo may process account information, submitted identifiers, evidence, reports, verification records, payment status, support messages, logs, and security metadata.

Access to sensitive evidence and verification data should be restricted by role, logged, protected, and used only for legitimate platform operations.

Users can request correction, masking, access, or deletion subject to legal, fraud-prevention, safety, audit, and dispute-retention needs.

See the Privacy Policy for a fuller explanation of collection, processing, storage, sharing, retention, and user rights.

Plan limits, usage allowances, billing cycles, taxes, payment provider rules, fair-use restrictions, and feature availability may vary by product.

Completed reports, initiated verification checks, third-party checks, API usage, and custom enterprise work may have limited refund eligibility.

Duplicate payments, failed delivery, unauthorized charges, or technical errors should be reported with the payment ID, amount, date, account email, and screenshot.

See the Refunds and Cancellations page for detailed payment handling rules.

API customers must not resell raw signals, expose sensitive data, build harassment tools, or make automated high-impact decisions without appropriate review.

Enterprise integrations may require separate agreements covering usage limits, security, support, confidentiality, service levels, data retention, and audit rights.

Businesses should display risk signals responsibly, avoid overstating confidence, and provide review or appeal paths where users may be affected.

Users remain responsible for independent judgment, direct verification, police complaints, bank escalation, legal advice, and decisions about interactions or transactions.

The platform may be unavailable, delayed, inaccurate, incomplete, or affected by third-party data, user submissions, payment systems, hosting, or technical issues.

To the maximum extent permitted by applicable law, CheckKaroo is not liable for indirect, incidental, consequential, punitive, reputational, business, or loss-of-profit damages.

Material changes may be announced through the website, product notices, email, or account notifications where appropriate.

Continued use after an update means you accept the updated Terms. If you do not agree, stop using the platform and contact support for account or data requests.