TrustScore

Terms of Service

Last updated: August 14, 2026 · WYN Ai LLC · operations@wynai.net

Acceptance of these terms and important notices

These Terms of Service (the "Terms") form a binding legal agreement between you and WYN Ai LLC ("WYN Ai", "we", "us", "our"), operator of TrustScore at trustscore.online and the TrustScore applications (together, the "Service"). By creating an account, running a search, subscribing, or otherwise accessing the Service, you accept these Terms, our Privacy Policy, and our Disclaimer, each incorporated here by reference. If you do not agree, do not use the Service. PLEASE READ THE FOLLOWING CAREFULLY. THESE PROVISIONS AFFECT YOUR LEGAL RIGHTS: • Section 4: TrustScore is NOT a consumer reporting agency. Results may NEVER be used for employment, tenant or housing, credit, insurance, education, licensing, or business credit decisions, or any other purpose regulated by the Fair Credit Reporting Act (FCRA). • Section 6: Information comes from third parties and may be incomplete, outdated, or matched to the wrong person. A NAME MATCH IS NOT AN IDENTITY MATCH. • Sections 12 and 13: The Service is provided AS IS, with no warranty of accuracy, and our total liability is strictly capped. • Section 15: Disputes are resolved by BINDING INDIVIDUAL ARBITRATION. YOU AND WYN Ai WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. You may opt out of arbitration within 30 days, exactly as described in Section 15, without any effect on your use of the Service. We keep a record of your acceptance, including the date, time, account identifier, and version of these Terms accepted.

Eligibility: 18 or older only, and no searches concerning minors

The Service is offered only to natural persons who are at least 18 years old, are legally able to form a binding contract, are located in the United States, and are not barred from using the Service under applicable law. By using the Service you represent and warrant that you meet every one of those conditions. YOU MAY NOT USE THE SERVICE TO SEARCH FOR, LOCATE, PROFILE, MONITOR, OR COMPILE INFORMATION ABOUT ANY PERSON UNDER 18 YEARS OF AGE, FOR ANY REASON. This prohibition is absolute. It applies even if you are a parent, guardian, relative, educator, coach, or claim to have consent. The Service applies technical controls intended to block searches that indicate a minor subject and to suppress records associated with minors, and we may refuse, filter, redact, or reverse any search on that basis without refund. Attempting to defeat, evade, or automate around those controls is a material breach of these Terms, results in immediate termination without refund, and may be referred to law enforcement. We do not knowingly allow anyone under 18 to hold an account. If we learn an account holder is under 18, we will terminate the account and delete the associated account information. If you believe a minor has created an account or has been searched, contact operations@wynai.net immediately.

What TrustScore is, and what it is not

TrustScore is a consumer information and reputation tool for personal, informational, non commercial use. Depending on your plan and the search you run, results may include publicly available records; information licensed from third party data providers, including address history, telephone numbers, email addresses, and possible relatives and associates; business and professional information; publicly visible online and reputation signals; and a proprietary TrustScore rating with supporting context. Pro subscribers may also receive the Intuition Layer (Esoteric Profile) and related interpretive features, which are offered for entertainment and personal reflection only. TRUSTSCORE IS NOT, AND MUST NOT BE TREATED AS: a background check; a consumer report or investigative consumer report; a criminal history, sex offender, sanctions, or watchlist search; an identity verification, authentication, KYC, AML, or fraud prevention product; a credit report or credit score; a licensed private investigation service; a law enforcement or government database; a substitute for professional due diligence; or legal, financial, medical, employment, or other professional advice. Using the Service creates no professional, fiduciary, advisory, or confidential relationship between you and WYN Ai. The Service is licensed, not sold. Subject to these Terms, we grant you a limited, personal, revocable, non exclusive, non transferable, non sublicensable license to access the Service for your own individual, lawful, informational use.

NOT a consumer reporting agency: prohibited uses and your certification on every search

THIS IS THE MOST IMPORTANT PROVISION IN THIS AGREEMENT. WYN Ai LLC IS NOT A CONSUMER REPORTING AGENCY AS DEFINED BY THE FAIR CREDIT REPORTING ACT, 15 U.S.C. 1681 ET SEQ. ("FCRA"). INFORMATION OBTAINED THROUGH THE SERVICE IS NOT A "CONSUMER REPORT" OR AN "INVESTIGATIVE CONSUMER REPORT" UNDER THE FCRA OR ANY COMPARABLE STATE LAW, INCLUDING WITHOUT LIMITATION THE CALIFORNIA INVESTIGATIVE CONSUMER REPORTING AGENCIES ACT AND THE CALIFORNIA CONSUMER CREDIT REPORTING AGENCIES ACT. WE DO NOT ASSEMBLE OR EVALUATE INFORMATION FOR THE PURPOSE OF FURNISHING CONSUMER REPORTS, AND WE HAVE NOT UNDERTAKEN THE ACCURACY, DISPUTE, NOTICE, OR PERMISSIBLE PURPOSE PROCEDURES THAT THE FCRA REQUIRES OF CONSUMER REPORTING AGENCIES. YOU MAY NOT USE THE SERVICE, ANY RESULT, ANY SCORE, ANY EXPORT, OR ANY PART OF EITHER, IN WHOLE OR IN PART, AS A FACTOR IN ESTABLISHING ANY PERSON'S ELIGIBILITY FOR, OR IN MAKING, EVALUATING, DOCUMENTING, OR SUPPORTING ANY DECISION ABOUT: • Employment of any kind, including hiring, screening, promotion, demotion, retention, reassignment, discipline, termination, volunteering, internships, independent contracting, gig work, staffing, or evaluating any current or prospective worker; • Housing or tenancy, including rental applications, lease decisions, roommate selection, sublets, short term rental guests, property management, homeowner or condominium association approval, or any real estate transaction; • Credit, lending, financing, leasing, collections, debt buying, or the review, renewal, modification, or collection of an existing account; • Insurance of any kind, including underwriting, rating, eligibility, renewal, or claims handling; • Education, including admissions, enrollment, scholarships, financial aid, or student housing; • Professional or occupational licensing, certification, credentialing, accreditation, bonding, or membership; • Business credit, vendor or supplier approval, franchise or dealer approval, merchant onboarding, or commercial underwriting; • Eligibility for any government license, permit, or benefit; or • ANY OTHER PURPOSE FOR WHICH A CONSUMER REPORT MAY BE OBTAINED UNDER 15 U.S.C. 1681b, OR FOR WHICH THE PERSON SEARCHED COULD REASONABLY EXPECT FCRA PROTECTIONS. YOUR CERTIFICATION ON EVERY SEARCH. EACH AND EVERY TIME YOU SUBMIT A SEARCH, VIEW A REPORT, OR ACCESS A RESULT, YOU CERTIFY, REPRESENT, AND WARRANT THAT: (a) you will not use the information for any purpose listed above or for any other FCRA regulated purpose; (b) you have a lawful, permissible, personal reason for the search; (c) you will not merge, append, combine, or supplement the information with any consumer report or use it to verify or supplement a consumer report; (d) you will not resell, redistribute, publish, or provide the information to any person who intends an FCRA regulated use; (e) you understand the information has not been assembled or verified to FCRA accuracy standards; and (f) you will independently verify anything material before acting on it. This certification is made anew with each search, is a condition of your access, and is recorded with the date, time, and account associated with the search. If you need information for any FCRA regulated purpose, you must obtain it from a consumer reporting agency that complies with the FCRA and provides the consumer with the notices, disclosures, dispute rights, and adverse action procedures the law requires. WYN Ai will not provide such information, and any attempt to obtain it from the Service for such a purpose is a material breach of these Terms, void ab initio, and grounds for immediate termination, forfeiture of fees, and indemnification under Section 14.

Acceptable use and prohibited conduct

You agree to use the Service only for lawful, personal, informational purposes, and only in a manner consistent with these Terms and with all applicable federal, state, and local laws. You are solely responsible for how you interpret, share, and act on anything obtained through the Service. YOU MAY NOT, AND MAY NOT ATTEMPT TO, DIRECTLY OR INDIRECTLY: • Stalk, follow, surveil, monitor, track, ambush, contact repeatedly, harass, intimidate, threaten, extort, blackmail, defame, or endanger any person; • Dox any person, meaning publish, post, broadcast, or otherwise disclose another person's home address, telephone number, email address, workplace, movements, relatives, or other personal information, on any website, social platform, forum, message board, group chat, or public medium; • Use the Service in connection with any act of domestic violence, dating violence, sexual violence, child abuse, elder abuse, human trafficking, or any protective order, restraining order, or no contact order, or to locate any person who has sought to avoid you; • Discriminate against any person, or facilitate discrimination, on the basis of race, color, national origin, ancestry, religion, sex, gender, gender identity or expression, sexual orientation, age, disability, medical condition, genetic information, pregnancy, marital or familial status, military or veteran status, citizenship or immigration status, source of income, or any other characteristic protected by law; • Use the Service to locate, publish, or transfer the home address, unpublished telephone number, or other protected information of any judicial officer, law enforcement officer, prosecutor, child protective services worker, public official, election official, health care provider, or other individual protected under Daniel's Law (N.J.S.A. 56:8-166.1) or any similar federal, state, or local address confidentiality, judicial privacy, or protected persons law; • Use the Service for any purpose restricted by the Driver's Privacy Protection Act, the Gramm Leach Bliley Act, HIPAA, the Telephone Consumer Protection Act, any anti spam, debt collection, skip tracing, process serving, private investigation, or asset location statute, or any state consumer protection statute; • Scrape, crawl, harvest, spider, index, cache, mirror, data mine, bulk download, or systematically extract any part of the Service or any results, whether manually or by any bot, script, agent, extension, headless browser, or automated means; • Resell, sublicense, syndicate, broker, republish, redistribute, or commercially exploit results, or build, populate, enrich, or train any database, list, model, or product from them; • Reverse engineer, decompile, disassemble, or attempt to derive the TrustScore methodology, source code, or underlying data structures; • Circumvent or attempt to circumvent any rate limit, paywall, access control, minor blocking control, security measure, or opt out suppression; • Create an account by automated means, create multiple or duplicate accounts, share credentials, transfer or sell your account, or use the Service on behalf of any third party, business, agency, or investigative service; • Impersonate any person, misstate your identity or purpose, or provide false certifications; or • Use the Service in violation of any court order, or in any way that could subject WYN Ai or its data providers to liability or regulatory action. We may investigate suspected violations, and we may monitor, log, rate limit, audit, suspend, or terminate access, remove content, refuse service, and report conduct to data providers, platforms, and law enforcement, in each case without notice and without refund. Our data providers may also insert test records to audit compliance. Nothing in this section obligates us to monitor use, and we assume no such duty.

Accuracy limits: a name match is not an identity match

THE SERVICE DOES NOT GUARANTEE, AND CANNOT GUARANTEE, THAT ANY INFORMATION IS ACCURATE, CURRENT, COMPLETE, OR ASSOCIATED WITH THE PERSON YOU INTENDED TO FIND. Information available through the Service is compiled from public records and from third party data providers. Those sources may be incomplete, outdated, inconsistently formatted, wrongly entered at the source, sealed, expunged, corrected, or superseded without our knowledge. Records are commonly matched probabilistically using names, ages, and locations. As a result: • A NAME MATCH IS NOT AN IDENTITY MATCH. Many people share the same or similar names. Results shown for a name may belong to a different person entirely. • Addresses, telephone numbers, and email addresses may be stale, reassigned to someone else, or never have belonged to the subject. • "Possible relatives" and "possible associates" are algorithmic inferences, not confirmed relationships. They are frequently wrong. • The absence of a record means only that nothing was returned from the sources searched at that moment. It is not evidence that no such record exists. • The presence of a record is not evidence of wrongdoing, guilt, or current status. YOU MUST INDEPENDENTLY VERIFY, THROUGH AUTHORITATIVE PRIMARY SOURCES, ANY INFORMATION YOU INTEND TO RELY ON OR ACT UPON, AND YOU MUST CONFIRM THAT ANY RESULT ACTUALLY CONCERNS THE PERSON YOU INTENDED TO SEARCH. You assume all risk of acting on unverified information. If you believe information about you is inaccurate, see Section 9. ADVERSE INFORMATION AND THE "TRUST CONCERNS" PANEL. Where the Service displays adverse items -- including a "Trust Concerns" panel or similar that surfaces, at or near the top of a report, counts or indicators of criminal, judgment, lien, bankruptcy, eviction, foreclosure, or debt records, mentions of a name in court or agency documents, or news and media items that read as negative -- those items are unverified third party reports and automated name matches, not findings, conclusions, charges, or accusations by WYN Ai. WYN Ai does not investigate, confirm, adjudicate, endorse, or assert the truth of any adverse item, and the appearance of an item is not a statement by us that any person has any record or engaged in any conduct. Every adverse item is matched primarily or solely by name, so it very frequently concerns a DIFFERENT PERSON, or is outdated, sealed, expunged, dismissed, corrected, or reversed, or reflects an allegation that was never proven; a court-document mention may refer to a party, judge, attorney, witness, or wholly unrelated person, and an indicator count reflects only what a data source reported, not verified fact. Each adverse item is offered solely as a lead for your own inquiry and directs you to the original source. YOU MAY NOT TREAT ANY ADVERSE ITEM OR TRUST CONCERN AS TRUE, AND YOU MAY NOT REPEAT, REPUBLISH, DISCLOSE, OR ACT ON IT, UNLESS AND UNTIL YOU HAVE INDEPENDENTLY CONFIRMED BOTH THE UNDERLYING RECORD AND THAT IT ACTUALLY CONCERNS THE PERSON YOU INTENDED TO SEARCH. You assume all risk of relying on adverse information, and the AS IS disclaimer, the limitation of liability, and your indemnification obligations apply to it in full.

Scores, generated content, and the Intuition Layer

THE TRUSTSCORE RATING IS A PROPRIETARY, SUBJECTIVE, AUTOMATED OPINION. It is not a fact, not a credit score, not a risk score for any regulated purpose, and not a statement about any person's honesty, character, dangerousness, or future behavior. It is produced by our own models, weightings, and editorial judgment, may change over time, and may be wrong. The Service contains machine generated output. Scores, score breakdowns, summaries, reputation counts, narrative context, estimates, and, where shown, risk signals and history may be produced by our models rather than retrieved from any person's records. Items drawn from an identified source are labeled with that source; anything else is marked ESTIMATED or otherwise identified as generated. Generated output may contain errors, omissions, and fabrications. Never treat generated output as a finding of fact about any person. The Intuition Layer (Esoteric Profile), the Full Analysis, and any cycle, celestial, archetypal, personality, or interpretive feature are provided FOR ENTERTAINMENT AND PERSONAL REFLECTION ONLY. They are not scientific, factual, diagnostic, or predictive, have no evidentiary value, and must never be used as a basis for any decision about any person. Any photo or visual analysis feature is impressionistic and subjective. It is not facial recognition, biometric identification, identity verification, emotion detection, deception detection, or a determination of character, and must not be relied upon as any of those things. Do not upload images of anyone under 18, and do not upload images you do not have the right to use. NO PREDICTION OF SAFETY OR DANGEROUSNESS; NO RELIANCE. Although the Service may present the TrustScore rating or a verdict in terms of whether it is "safe" to deal with, meet, or be around a person, THE SCORE AND ANY VERDICT ARE A SUBJECTIVE, AUTOMATED OPINION FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND ARE NOT A PREDICTION OR ASSURANCE OF ANY PERSON’S SAFETY, DANGEROUSNESS, HONESTY, CHARACTER, CRIMINALITY, OR FUTURE CONDUCT. A high score is not a guarantee that a person is safe or trustworthy, and a low score is not a determination that a person is dangerous, untrustworthy, or guilty of anything. You must not rely on the Service to decide whether to meet, admit, employ, house, transact with, travel with, or be physically present with any person, and you remain solely responsible for your own safety and your own decisions. If you have any concern for your safety, contact local law enforcement or emergency services, not TrustScore. You assume all risk of relying on any score or verdict.

Possible social profiles, external links, and third party content

The Service may display "possible" or "candidate" social, developer, or other online profiles (for example, results labeled as possible matches from public platforms), and may link to news articles, media, business listings, court or agency records, and other third party websites and content. THESE ARE POSSIBLE MATCHES AND EXTERNAL RESOURCES ONLY. A name is not an identity: a profile or link shown for a name may belong to a different person, may be a parody, impersonation, automated, or unrelated account, or may be inaccurate or out of date. WYN Ai does not create, own, operate, control, verify, endorse, or take responsibility for any third party profile, website, or content, and its appearance is not a representation that the profile belongs to the person you searched or that its contents are accurate. Where the Service shows such profiles it links to publicly available pages; it does not scrape, copy, store, or evaluate the substance of any person’s posts or account content, and it does not judge or characterize any person based on that content. Your access to and use of any third party profile, link, or site is at your own risk and is governed by that third party’s own terms and policies, not ours. You must independently confirm that any profile or source actually concerns the person you intended to search before relying on it, and you may not use any such profile or link in any manner prohibited by the acceptable-use, anti-harassment, anti-doxxing, or non-FCRA provisions of these Terms.

Reverse searches by phone, email, or address

The Service may let you search using a telephone number, an email address, or a physical address instead of a name, and attempt to identify a person associated with it. Reverse results carry the same limitations as every other result, and some additional ones: telephone numbers are frequently reassigned or ported, email addresses are recycled or shared, and addresses are occupied by different people over time, so a reverse match may resolve to a former holder, a household member, or an unrelated person entirely. A reverse match is a probabilistic association, not verification that the number, email, or address belongs to the person shown. You certify with each reverse search, exactly as with any other search, that you have a lawful, permissible, personal reason for it, that you will not use it for any FCRA-regulated purpose, and that you will not use it to identify, locate, contact, monitor, or surveil any person who has sought to avoid you, or in connection with any harassment, stalking, or protected-order matter. You must independently confirm any identity before relying on it.

Reports you save, print, or share

The Service may let you save, print, or share a report. You remain solely responsible for any report you export, retain, or transmit. A saved, printed, or shared report is still non-verified informational output produced from third-party and generated data; it is not a consumer report, not a background check, and not an official record or a determination by WYN Ai about any person, and it remains subject to these Terms after you export it. A report reflects data at the moment it was generated and may already be outdated. You may not publish, post, broadcast, sell, or otherwise redistribute a report or any part of it in order to harass, stalk, dox, defame, threaten, or disadvantage the subject, and you may not use it, or provide it to anyone who will use it, for any purpose regulated by the FCRA or otherwise prohibited by the acceptable-use section. You may not present a report as an official record or as our finding about any person.

Data sources, third party providers, and data broker compliance

Information made available through the Service is sourced from (a) licensed third party data providers, including Enformion, LLC, which supplies identity, address history, telephone, email, and relative and associate data, and (b) public and publicly available sources, including government and court records, property and assessor records, professional and business licensing records, corporate and UCC filings, voter and other publicly accessible registries where lawful, publicly visible web and social content, and commercially available directory data. Availability of any source may change at any time, and we may add, remove, or substitute providers without notice. WYN Ai does not create, verify, or control third party source data. We are a licensee and republisher of that data and disclaim responsibility for errors originating at the source, to the fullest extent permitted by law. Because we make personal information about individuals with whom we have no direct relationship available for a fee, WYN Ai may be a "data broker" under laws including the California Delete Act (Cal. Civ. Code 1798.99.80 et seq.), Texas Bus. & Com. Code Ch. 509, Oregon's data broker registration law, and 9 V.S.A. Ch. 62. WYN Ai registers as a data broker in each state where registration is required of us and files the disclosures those laws require, completing any required registration within the period the applicable law allows, and processes deletion directives received through California's Delete Request and Opt out Platform (DROP) on the cadence the Delete Act requires, currently at least once every 45 days. We also honor takedown obligations under address confidentiality and protected persons statutes, including Daniel's Law, on the timelines those statutes prescribe. Our registration filings and current data broker disclosures are available on request at operations@wynai.net.

If you appear in TrustScore: opt out, suppression, correction, and deletion

If you are the subject of information available through the Service, you may ask us to suppress, correct, or delete that information, whether or not your state grants you a statutory right to do so. How to make a request: email operations@wynai.net with the subject line "Opt Out Request", or use the opt out form linked in the footer of trustscore.online. Include your full legal name, any prior names, your current address, prior addresses if known, your date of birth or year of birth, and a contact email. We may ask for limited verification information solely to confirm you are the person you claim to be and to locate the correct records; we use that verification information only for that purpose and delete it when the request is closed. Authorized agents may submit requests with written authorization. Our response window: we acknowledge requests within 10 business days and complete verified requests within 45 days of receipt, and we will tell you if an extension permitted by law is needed. Suppression is applied to the TrustScore Service and is maintained on an ongoing basis, including against re ingestion, unless you later ask us to lift it. Requests are free, and we will not require you to create an account, pay, or purchase anything to opt out. Limits you should know: we cannot delete or alter the underlying public records held by courts, agencies, or other companies, and suppression on TrustScore does not remove information from any other website or from our upstream data providers. We will, where required by law, direct our service providers and contractors to delete the information as well, and we will identify the upstream provider so you can also submit a request to them. Where the law requires us to retain limited information to honor your opt out, we keep only what is necessary for that purpose. California residents may also submit a single deletion directive to all registered data brokers through the state's DROP platform at the California Privacy Protection Agency, which we process on the schedule described in Section 8. Residents of California, Colorado, Connecticut, Virginia, Utah, Texas, Oregon, Montana, Delaware, Iowa, Nebraska, New Hampshire, New Jersey, Tennessee, Minnesota, Maryland, Indiana, Kentucky, Rhode Island, and other states with comprehensive privacy laws may have additional rights to know, access, correct, delete, opt out of sale or sharing, limit sensitive data use, and appeal a denial. See the Privacy Policy for details and for our appeal process. We will not discriminate or retaliate against you for exercising any of these rights.

Accounts, plans, billing, automatic renewal, and cancellation

You must provide accurate account information, keep your credentials confidential, and are responsible for all activity under your account. Notify us promptly at operations@wynai.net of any unauthorized use. Accounts are personal to you and may not be shared, sold, or transferred. Plans and pricing: paid subscriptions are Essential (from $9.99 per month), Pro (from $19.99 per month), and Unlimited at $99.99 per month. Essential and Pro are offered in search-volume options: Essential currently includes 10 searches per month at $9.99, 25 at $22.99, or 50 at $39.99; Pro currently includes 20 searches per month at $19.99, 45 at $41.99, or 75 at $64.99. There is no free tier, and access to the Service requires an active paid subscription. Each plan includes a limited number of searches per calendar month, and we may meter, display, and enforce that allowance ("Unlimited" searches are subject to a fair-use ceiling of 300 searches per calendar month (30 during a free trial), applicable law, and third party data-provider limitations). On the 25-, 50-, 45-, and 75-search volume options, the searches above the plan's base amount are provided as search credits added each billing cycle, and unused credits do not expire. We may also offer one-time search packs, which are charged once, added to your account, and non-refundable except where required by law. Prices are in U.S. dollars, exclude applicable taxes, and are billed in advance through our third party payment processor; we do not store full payment card numbers. FREE TRIAL: we may offer a free trial (currently 7 days). To start a trial you must provide a valid payment method, which we collect up front. UNLESS YOU CANCEL BEFORE THE TRIAL ENDS, THE TRIAL AUTOMATICALLY CONVERTS TO A PAID SUBSCRIPTION AT THE PLAN’S THEN-CURRENT PRICE, YOUR PAYMENT METHOD IS CHARGED, AND THE SUBSCRIPTION RENEWS AUTOMATICALLY EACH MONTH UNTIL YOU CANCEL. Before you are charged we present the plan name, price, billing frequency, trial length and end date, renewal terms, and how to cancel, obtain your affirmative consent to those terms separately from any other agreement, and send you a confirmation. Automatic renewal: PAID PLANS RENEW AUTOMATICALLY EACH MONTH AT THE THEN-CURRENT PRICE UNTIL YOU CANCEL. By subscribing you authorize recurring charges to your payment method. Cancellation: you may cancel at any time from your account settings using the cancel control, or by emailing operations@wynai.net, effective promptly and without your having to call, chat, or accept a retention offer; cancelling during a trial stops any charge. Cancellation stops future renewals; access continues to the end of the billing period already paid for. Except where a refund is required by law or we choose to grant one, fees already paid are non refundable, and partial periods, unused searches, and unused features are not refunded or credited. Price and plan changes: we will give you at least 30 days notice by email before any price increase or material change to your plan takes effect, and you may cancel before it does. Failed payments may result in suspension. You agree to contact us before disputing a charge with your bank; fraudulent chargebacks may result in termination and collection. Nothing in this section limits any right you have under the Restore Online Shoppers’ Confidence Act or any state automatic renewal law.

Intellectual property, feedback, and DMCA

The TrustScore name and logo, the Trust Score methodology, the Intuition Layer, all software, interfaces, designs, text, graphics, compilations, and all improvements to them are owned by WYN Ai LLC or its licensors and are protected by copyright, trademark, trade secret, and other laws. Third party data remains the property of its owners and is used under license. No rights are granted except the limited license in Section 3. You may not copy, frame, mirror, scrape, resell, sublicense, publicly display, create derivative works from, or use the Service or its output to develop a competing product or to train any machine learning model, without our prior written consent. If you send us ideas, suggestions, or feedback, you grant WYN Ai a perpetual, irrevocable, worldwide, royalty free license to use them without restriction or compensation. DMCA: if you believe material accessible through the Service infringes your copyright, send a notice under 17 U.S.C. 512(c)(3) to operations@wynai.net with the subject line "DMCA Notice", identifying the work, the material and its location, your contact information, a statement of good faith belief, a statement under penalty of perjury that the information is accurate and you are authorized to act, and your signature. We will respond as the DMCA provides, including counter notice procedures, and we terminate repeat infringers. Note that most factual records are not copyrightable; removal requests about personal information should go through Section 9 instead.

Disclaimer of warranties: AS IS and AS AVAILABLE

THE SERVICE, ALL CONTENT, ALL RESULTS, ALL SCORES, AND ALL GENERATED OUTPUT ARE PROVIDED "AS IS", "AS AVAILABLE", AND "WITH ALL FAULTS", WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WYN Ai LLC, ITS OFFICERS, MEMBERS, EMPLOYEES, AGENTS, SUPPLIERS, AND LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, AND OTHERWISE, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, SYSTEM INTEGRATION, AND NON INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE. WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY AND NO REPRESENTATION THAT: ANY INFORMATION IS ACCURATE, CURRENT, COMPLETE, RELIABLE, OR ABOUT THE PERSON YOU INTENDED TO SEARCH; THAT ANY RECORD EXISTS OR DOES NOT EXIST; THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; THAT DEFECTS WILL BE CORRECTED; OR THAT ANY PARTICULAR RESULT, OUTCOME, OR SATISFACTION WILL BE OBTAINED. NO ADVICE OR INFORMATION, ORAL OR WRITTEN, OBTAINED FROM WYN Ai OR THROUGH THE SERVICE CREATES ANY WARRANTY NOT EXPRESSLY STATED HERE. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SERVICE AND FOR ANY DECISION YOU MAKE OR ACTION YOU TAKE BASED ON IT. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you; in that case the exclusions apply to the greatest extent permitted by law.

Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) NO INDIRECT DAMAGES. WYN Ai LLC AND ITS OFFICERS, MEMBERS, EMPLOYEES, AGENTS, SUPPLIERS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR ENHANCED DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, REPUTATION, OPPORTUNITY, DATA, OR ANTICIPATED SAVINGS, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE, OR ANY OTHER THEORY, AND WHETHER OR NOT WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. (b) AGGREGATE CAP. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (i) THE TOTAL AMOUNT YOU ACTUALLY PAID WYN Ai FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (ii) ONE HUNDRED U.S. DOLLARS (US $100). THIS CAP APPLIES IN THE AGGREGATE ACROSS ALL CLAIMS AND ALL CLAIMANTS RELATED TO A SINGLE ACCOUNT AND IS NOT CUMULATIVE. (c) SPECIFIC EXCLUSIONS. WE ARE NOT LIABLE FOR: ANY DECISION YOU OR ANYONE ELSE MAKES BASED ON INFORMATION FROM THE SERVICE; ANY INACCURACY, OMISSION, MISMATCH, OR STALENESS IN THIRD PARTY OR PUBLIC SOURCE DATA; ANY ACT OR OMISSION OF ANY THIRD PARTY, INCLUDING DATA PROVIDERS, PAYMENT PROCESSORS, AND OTHER USERS; ANY UNAUTHORIZED ACCESS TO OR ALTERATION OF DATA NOT CAUSED BY OUR GROSS NEGLIGENCE; ANY USE OF THE SERVICE THAT VIOLATES THESE TERMS; OR ANY INTERRUPTION OR UNAVAILABILITY OF THE SERVICE. (d) ESSENTIAL BASIS. THESE LIMITATIONS ARE AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND WYN Ai, APPLY EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE, AND SURVIVE TERMINATION. (e) LIMITATIONS PERIOD. ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS MUST BE FILED WITHIN ONE (1) YEAR AFTER IT ACCRUES, OR IT IS PERMANENTLY BARRED, EXCEPT WHERE A LONGER PERIOD IS REQUIRED BY LAW. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you; in that case our liability is limited to the greatest extent permitted by law. Nothing in these Terms limits liability that cannot be limited by law, including liability for fraud or willful misconduct.

Indemnification

YOU AGREE TO DEFEND, INDEMNIFY, AND HOLD HARMLESS WYN Ai LLC and its officers, members, managers, employees, contractors, agents, suppliers, data providers, and licensors from and against any and all claims, demands, actions, investigations, proceedings, damages, judgments, settlements, fines, penalties, losses, costs, and expenses, including reasonable attorneys' fees and expert fees, arising out of or relating to: • Your use of, or inability to use, the Service, or any information obtained through it; • Any use of the Service for a purpose regulated by the FCRA or otherwise prohibited by Section 4, including any resulting claim by any person searched, any government agency, or any regulator; • Any breach of Section 5, including stalking, harassment, doxxing, threats, discrimination, unlawful disclosure, scraping, resale, or bulk export; • Any search concerning a minor, or any attempt to circumvent our minor blocking controls; • Your violation of these Terms, of any representation, warranty, or certification you make, or of any applicable law or the rights of any third party, including privacy, publicity, defamation, and intellectual property rights; • Content, images, or data you upload or submit; and • Any dispute between you and any other person arising from information you obtained through the Service. We reserve the right, at your expense, to assume exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense. You will not settle any matter in a way that imposes any obligation, admission, or liability on WYN Ai without our prior written consent. This obligation survives termination.

Binding arbitration, class action waiver, and jury trial waiver

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES MOST DISPUTES TO BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION, WAIVES YOUR RIGHT TO A JURY TRIAL, AND WAIVES YOUR RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU MAY OPT OUT WITHIN 30 DAYS. (a) INFORMAL RESOLUTION FIRST. Before starting arbitration or a small claims case, you and WYN Ai agree to try to resolve the dispute informally. Send a written Notice of Dispute to operations@wynai.net with the subject line "Notice of Dispute" (or to our registered agent by mail), including your name, account email, address, a description of the dispute, the relief sought, and your signature. We will send ours to your account email. Both parties will negotiate in good faith for 60 days. This period is a condition precedent to filing, and the statute of limitations is tolled while it runs. Either party may request an individualized telephone settlement conference during this period, and both parties and their counsel will participate. (b) AGREEMENT TO ARBITRATE. If the dispute is not resolved, YOU AND WYN Ai AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THE SERVICE, THESE TERMS, THE PRIVACY POLICY, ANY MARKETING OR ADVERTISING, ANY BILLING, OR THE RELATIONSHIP BETWEEN US, WHETHER BASED IN CONTRACT, TORT, STATUTE, FRAUD, MISREPRESENTATION, OR ANY OTHER THEORY, AND WHETHER ARISING BEFORE OR AFTER ACCEPTANCE OF THESE TERMS, WILL BE RESOLVED BY FINAL AND BINDING INDIVIDUAL ARBITRATION, NOT IN COURT. THE FEDERAL ARBITRATION ACT GOVERNS THIS SECTION, INCLUDING ITS INTERPRETATION AND ENFORCEMENT. (c) RULES, FORUM, AND FEES. Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules and, where applicable, its Mass Arbitration Supplementary Rules, as modified by this Section, before a single neutral arbitrator. The rules are at adr.org. Arbitration will be conducted by document submission, telephone, or videoconference unless the arbitrator orders an in person hearing, which will be held in the county where you live or another mutually agreed location. Filing, administration, and arbitrator fees will be allocated under the AAA rules; if the arbitrator finds your claim is not frivolous, we will pay the fees the AAA rules assign to us and will not seek our attorneys' fees from you except as the rules or applicable law allow. The arbitrator may award any individual relief available in court, including statutory damages and, where authorized by statute, attorneys' fees, and must issue a written reasoned decision. The award is final and binding, and judgment may be entered in any court of competent jurisdiction. (d) DELEGATION. The arbitrator has exclusive authority to decide all issues of arbitrability, including the formation, existence, scope, validity, enforceability, and interpretation of this Section, EXCEPT that a court of competent jurisdiction, and not an arbitrator, will decide any challenge to the enforceability of the Class Action Waiver in subsection (e). (e) CLASS ACTION AND JURY TRIAL WAIVER. YOU AND WYN Ai AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF, CLAIMANT, OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN THE CLAIMS OF MORE THAN ONE PERSON AND MAY NOT PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING. YOU AND WYN Ai ALSO WAIVE ANY RIGHT TO TRIAL BY JURY. If this Class Action Waiver is found unenforceable as to a particular claim or a particular request for relief, then only that claim or request for relief will be severed from arbitration and brought in court, and all other claims will remain in arbitration; if the Class Action Waiver is found unenforceable in its entirety, then this entire arbitration Section is void as to the affected claims. (f) COORDINATED FILINGS. If 25 or more similar claims are filed against WYN Ai by or with the assistance of the same law firm or coordinated counsel, the claims will be administered under the AAA Mass Arbitration Supplementary Rules and, where the AAA permits, staged in bellwether batches of no more than 50 claims, with the results of each batch used to attempt global resolution before the next batch is filed. Statutes of limitation are tolled for unfiled claims during batching. (g) SMALL CLAIMS CARVE OUT. Either party may instead bring an individual claim in a small claims court of competent jurisdiction if the claim qualifies and stays there, and remains individual and non representative. A small claims filing is not a waiver of this Section as to other claims. (h) OTHER CARVE OUTS. Either party may bring an action in court for temporary or permanent injunctive relief to stop unauthorized access, scraping, or infringement of intellectual property. Nothing in this Section prevents you from reporting conduct to, filing a complaint with, or cooperating with the Federal Trade Commission, a state attorney general, or any other government agency, or from receiving relief obtained by such an agency. Nothing in this Section waives any right to public injunctive relief that cannot be waived under applicable law; any such claim will be stayed pending arbitration of the individual claims. (i) YOUR RIGHT TO OPT OUT, 30 DAYS. YOU MAY OPT OUT OF THIS ARBITRATION SECTION, INCLUDING THE CLASS ACTION AND JURY WAIVERS, WITHIN 30 DAYS AFTER YOU FIRST ACCEPT THESE TERMS (or within 30 days after we notify you of a material change to this Section). To opt out, email operations@wynai.net with the subject line "ARBITRATION OPT OUT" and include your full name, the email address on your account, your mailing address, and a clear statement that you are opting out of the arbitration agreement, or mail the same information to WYN Ai LLC, attention Legal, at our registered address. Opting out is free, takes effect on receipt, applies to all past and future disputes, and has NO effect on your account, your pricing, or your use of the Service. We will confirm receipt. If you opt out, Section 16 governs where disputes are heard. (j) SURVIVAL. This Section survives termination of your account and of these Terms.

Termination, governing law, changes, and general provisions

Termination. You may stop using the Service and delete your account at any time. We may suspend or terminate your account or access, in whole or in part, immediately and without notice or refund, if we believe you have violated these Terms, misused the Service, created legal or regulatory risk for us or our data providers, or if we discontinue the Service. On termination, your license ends immediately; Sections 4, 5, 6, 7, 11, 12, 13, 14, 15, and this Section survive. Governing law and venue. These Terms and any dispute are governed by the Federal Arbitration Act as to Section 15 and otherwise by the laws of the state in which WYN Ai LLC is organized and maintains its principal place of business (the "Home State"), without regard to conflict of laws principles, and without application of the Uniform Computer Information Transactions Act or the U.N. Convention on Contracts for the International Sale of Goods. For any dispute not subject to arbitration, or if you opt out under Section 15(i), you and WYN Ai consent to the exclusive personal jurisdiction and venue of the state and federal courts located in the Home State, and waive any objection based on forum non conveniens. This choice of law does not deprive you of the protection of mandatory consumer protection provisions of the state where you reside. Changes. We may modify these Terms or the Service at any time. For material changes we will give at least 30 days advance notice by email to your account address and by notice in the Service, and we will update the "Last updated" date. Changes apply prospectively only. Your continued use after the effective date constitutes acceptance; if you do not agree, stop using the Service and cancel before the effective date. Material changes to Section 15 give you a fresh 30 day right to opt out of arbitration. General. These Terms, together with the Privacy Policy and Disclaimer, are the entire agreement between you and WYN Ai regarding the Service and supersede all prior agreements, representations, and understandings. If any provision is held invalid or unenforceable, it will be limited or severed to the minimum extent necessary and the remaining provisions will remain in full force, except as expressly provided in Section 15(e). Our failure to enforce any provision is not a waiver. You may not assign these Terms; we may assign them freely, including in connection with a merger, acquisition, or sale of assets. There are no third party beneficiaries except our officers, members, employees, agents, suppliers, data providers, and licensors, who may enforce the disclaimers, limitations, indemnity, and arbitration provisions. We are not liable for any failure or delay caused by events beyond our reasonable control. Notices to you may be sent to your account email; notices to us go to operations@wynai.net. Headings are for convenience only. Questions: WYN Ai LLC, operations@wynai.net.