Confidentiality & Non-Malicious Use Agreement

1. Agreement to Restricted Use

By purchasing, opening, downloading, receiving or using a Scamenot Full Report or any restricted intelligence, you agree to use that information only for legitimate, lawful and protective purposes.

2. Confidential Information

For purposes of this Agreement, “Confidential Information” includes non-public Full Reports, evidence, incident details, linked identifiers, restricted intelligence, private moderation information, proprietary database information and any other information expressly presented as restricted or confidential.

Information already lawfully public from another source is not made confidential merely because it also appears in Scamenot.

3. Permitted Purpose

You may use Confidential Information only for legitimate purposes such as:

• Personal or organisational due diligence.
• Fraud prevention and risk reduction.
• Personal protection before a transaction.
• Dispute handling.
• Obtaining legal advice.
• Reporting to a bank, regulator or law-enforcement authority.
• Another lawful protective or compliance purpose.

4. No Malicious Use

You must not use Scamenot information to harass, threaten, intimidate, stalk, extort, blackmail, defame, shame, dox, impersonate, unlawfully discriminate against, physically harm, financially harm or psychologically harm another person.

You must not encourage, organise or assist another person to engage in such conduct.

5. No Vigilante Action

A Scamenot report does not give any user authority to punish another person, seize property, make threats, organise retaliation or carry out extrajudicial action.

If you believe a criminal offence has occurred, you should use lawful reporting, banking, regulatory or law-enforcement channels.

6. Non-Disclosure

You must not unnecessarily disclose Confidential Information to the public.

In particular, you must not publish Full Reports on social media for entertainment, expose private evidence, create humiliation campaigns, publish private personal information or disclose information for the purpose of provoking harassment or retaliation.

7. Permitted Disclosure

Reasonable disclosure may be made to a lawyer, bank, insurer, regulator, law-enforcement authority, court, compliance adviser or other professional adviser where genuinely necessary for a legitimate purpose.

8. No Commercial Exploitation

You may not scrape, harvest, mirror, copy in bulk, resell, sublicense, republish or commercially exploit Scamenot data or Full Reports without prior written permission from Peygo Integrated Services Limited.

9. No Manipulation of Scamenot Intelligence

You must not deliberately search an identifier repeatedly to inflate its search count, coordinate artificial searching, submit duplicate or false reports to distort a profile, manufacture evidence, impersonate reporters or otherwise manipulate Scamenot intelligence.

10. Reports Are Not Guaranteed Facts

You understand that Scamenot contains curated reports, complaints, submitted evidence, moderation outcomes and activity intelligence. Scamenot cannot guarantee that every report is true, complete or current.

You must use your own judgment, independent verification and discerning intelligence before taking any action.

11. No Guarantee of Transaction Outcome

Scamenot is a caution tool, not a guarantee. Peygo Integrated Services Limited does not promise that using Scamenot will prevent fraud, loss, failed transactions or other negative outcomes.

To the fullest extent permitted by applicable law, Peygo Integrated Services Limited is not responsible for harm arising solely from a user's decision to act upon, disregard, misunderstand or maliciously misuse Scamenot information.

12. Protection of Evidence and Personal Information

Where a Full Report includes evidence or personal information, you must handle it responsibly and only to the extent reasonably necessary for your legitimate purpose.

You must not expose personal information merely to embarrass, intimidate or harm another person.

13. Consequences of Breach

Peygo Integrated Services Limited may suspend or terminate access, revoke access to restricted services, preserve evidence of misuse, restrict future purchases and take lawful action where this Agreement is violated.

Where required or permitted by law, relevant information may be provided to appropriate authorities.

14. Responsibility for Misuse

To the extent permitted by law, a user who knowingly misuses Scamenot information, submits malicious allegations, fabricates evidence or unlawfully discloses restricted data may be responsible for resulting claims, losses or reasonable enforcement costs.

15. Intellectual Property

Restricted Scamenot reports, database structures, report layouts, compilation methods, evidence presentation, classifications and related proprietary materials remain the intellectual property of Peygo Integrated Services Limited or its licensors.

Access to a Full Report grants only a limited right of legitimate use and does not transfer ownership.

16. Survival

Confidentiality and restricted-use obligations concerning legitimately confidential information continue after a user's account is closed or access to Scamenot ends, for as long as the information remains legitimately confidential.

17. Governing Law

This Agreement is governed by the laws of the Federal Republic of Nigeria.

18. Acknowledgement

By continuing to access restricted Scamenot information, you acknowledge that:

• Scamenot information is intended to assist caution and due diligence.
• Curated reports cannot be guaranteed to be complete, true or current.
• An empty report does not guarantee that the subject is safe.
• A populated report does not prove guilt.
• You will not use Scamenot data maliciously or to harm another person.
• You remain responsible for your own transaction decisions.