IGNIS by Saphira Terms of Service
Last updated: [DATE]
Canonical URL: https://askignis.com/terms
Please read these terms. By signing up or using IGNIS by Saphira ("IGNIS"), you agree to them. Important parts are in bold: our verdicts can be wrong, we don't pay for scam losses, your subscription renews automatically until you cancel, and [disputes go to arbitration — LAWYER].
1. The service
IGNIS by Saphira is a family subscription hosted at https://askignis.com/. The Protected Member (often an older parent) texts or emails us anything that looks suspicious — screenshots, forwarded messages, or links. We send back a scam verdict, usually within minutes. The Account Holder (often an adult child, who pays) gets alerts and a weekly scam briefing. We also sell one-time large-print guides through Etsy, Amazon KDP, and Gumroad; those purchases also follow that platform's terms.
We do not make phone calls to you, connect to bank accounts, block calls, or monitor your devices. We only respond to messages you send us.
2. Eligibility and accounts
You must be 18+ and live in the United States. The Account Holder must have the Protected Member's agreement to add them, and the Protected Member must confirm on their own phone. Keep your login private and tell us if your account is misused.
3. Verdicts are best-effort. They can be wrong.
Verdicts are produced mostly by artificial intelligence (AI) and are our best guess. They may be wrong. A message we call "safe" could still be a scam, and a real message could be flagged. Response times are a goal, not a promise; delays and outages happen. Never rely only on IGNIS. Before sending money, gift cards, crypto, or personal information, contact the company or person directly using a phone number or website you already trust. See our Disclaimer and AI Use Disclosure.
4. No guarantee, no reimbursement, not insurance
IGNIS is not insurance, does not reimburse losses, and does not guarantee you won't be scammed. We are not a bank, law firm, financial adviser, or law enforcement agency.
5. Subscription, billing, and automatic renewal
Automatic renewal disclosure: Your subscription renews automatically every [month/year] at [$PRICE] (plus tax) charged to your payment method until you cancel. [If offering a free trial: After your [X]-day free trial, you will be charged [$PRICE] per [month] unless you cancel before the trial ends.] - We show these terms clearly before you buy and ask for your agreement (checkbox), and email you a confirmation that explains how to cancel. - For annual plans or trials longer than a set period, we send a reminder before renewal as required by state law. - If the price changes, we'll tell you in advance and you can cancel before it takes effect. These terms are written to follow state automatic-renewal laws, including the California Automatic Renewal Law (Cal. Bus. & Prof. Code §17600 et seq.), the federal Restore Online Shoppers' Confidence Act (ROSCA), and similar laws in other states. [LAWYER] Confirm current requirements, including New York, Colorado, Virginia, Minnesota and other state laws, and status of the FTC "Click-to-Cancel"/Negative Option Rule.
6. Cancellation
You can cancel anytime, online in your account at https://askignis.com/ (in as few steps as signing up), by emailing [PLACEHOLDER: support email], or [other method]. Cancellation takes effect at the end of the current billing period unless our Refund Policy says otherwise. See the Refund Policy.
7. Acceptable use
Don't: send content you have no right to share; use the service to harass anyone or to create, test, or improve scams; send illegal material (including child sexual abuse material, which we report to authorities); overload, hack, or reverse-engineer the service; resell it without permission; or add someone's phone or email without their consent. Please remove passwords, full card/bank numbers, and Social Security numbers before sending.
8. Your content
You keep ownership of what you send. You give us permission to process it to provide, secure, and (in de-identified form) improve the service, as described in the Privacy Policy. You confirm you have the right to send it to us.
9. Our content
The service, briefings, and guides belong to us. Personal, non-commercial use only. Briefings may be shared with family and friends.
10. Disclaimer of warranties
TO THE FULLEST EXTENT ALLOWED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.
11. Limitation of liability
TO THE FULLEST EXTENT ALLOWED BY LAW: (A) WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR MONEY, DATA, OR PROPERTY LOST TO SCAMS OR FRAUD, EVEN IF A VERDICT WAS WRONG; AND (B) OUR TOTAL LIABILITY IS LIMITED TO THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM [OR $100, WHICHEVER IS GREATER]. Some states don't allow these limits, so they may not fully apply to you. [LAWYER] Review enforceability, especially for elder consumers and state consumer-protection laws.
12. Indemnity
You agree to cover our losses from your misuse of the service or breaking these terms. [LAWYER: consider removing for consumers.]
13. Disputes — ARBITRATION PLACEHOLDER
[LAWYER — DO NOT USE AS WRITTEN] Decide whether to include binding individual arbitration with class-action waiver (e.g., AAA Consumer Rules), small-claims carve-out, opt-out window (e.g., 30 days), and mass-arbitration provisions. Consider brand/reputational fit for an elder-protection service. Before any claim, please contact [PLACEHOLDER: support email] so we can try to fix it informally.
14. Governing law
These terms are governed by the laws of the State of California, without regard to conflict-of-law rules, except where your state's consumer protection law says otherwise. [LAWYER: confirm venue.]
15. Changes and ending the service
We may update these terms; we'll give notice of important changes. We may suspend accounts that break these terms. If we shut down the service, we'll give notice and [prorated refund — BUSINESS DECISION].
16. Other
These terms, plus the Privacy Policy, Disclaimer, SMS Terms, AI Use Disclosure, and Refund Policy, are the whole agreement. If part is unenforceable, the rest still applies.
17. Contact
Saphira Digital LLC, [PLACEHOLDER: mailing address] · [PLACEHOLDER: support email]