Terms of Service

Effective date: [EFFECTIVE DATE]

These Terms of Service ("Terms") are an agreement between you and Umbrella Net LLC, a [JURISDICTION] limited liability company at [REGISTERED ADDRESS] ("FullReveal", "we", "us"). They cover your use of fullreveal.ai and everything we provide through it (the "Service").

By creating an account, buying anything, or running a search, you agree to these Terms, our Acceptable Use Policy, our FCRA Notice, our Refund Policy and our Privacy Policy. If you do not agree, do not use the Service.

1. Who can use FullReveal

• You must be at least 18 years old.
• You must be able to enter into a binding contract where you live.
• You must not be barred from using the Service under the law that applies to you.
• If you use the Service for a business, you confirm you are allowed to accept these Terms for that business. The business is then bound by them too.

2. What the Service does

FullReveal lets you look up information linked to something you already have. There are five search tools:

• Phone lookup. Checks a phone number: whether it is valid, the carrier, the line type (for example mobile, landline or VoIP), the country and area, and, where our sources have it, the name and other details linked to the number.
• Email lookup. Checks an email address: whether it is valid, known data breaches it appears in, public platforms it is registered on, and, where our sources have it, the name and other details linked to it.
• VIN lookup. Decodes a vehicle identification number and shows vehicle details from government and licensed vehicle data sources.
• People search. Searches for a person by name and other details you give, and shows records our sources link to that person.
• Image search. Looks for where an image you upload appears on the public web. Image search may not be available in every region or at all times.

Around these tools, the Service also includes:

• A free preview before you pay, which shows what a full report will contain.
• Reports that combine results from licensed third-party data providers and public sources. Where several possible matches exist, the report ranks them and shows how likely each one is to match.
• An automated verdict. A short written summary and risk rating produced automatically from the report's data. See Section 12.
• Monitoring. You can ask us to re-check a phone number, email address, vehicle or person on a schedule and alert you when something meaningful changes.
• PDF downloads of reports you unlocked, with the PDF add-on.
• Public phone number pages, where anyone can see basic number information and read or post comments.

What a report contains depends on what our sources hold, the type of search and the country involved. Section 10 explains what we show for numbers and emails in the EU, UK and Switzerland.

3. Your account

• You sign in with a link we email you or with Google. Keep access to your email account secure. Anyone who can open your email can sign in to your FullReveal account.
• Give us an email address you control and keep it up to date. We send receipts and other emails about your subscription to it.
• You are responsible for activity on your account. Tell us at once at [SUPPORT EMAIL] if you think someone else has used it.
• One person per account. Do not share your account or sell access to it.
• You can close your account at any time from your Settings page or by emailing [SUPPORT EMAIL]. Closing your account cancels any subscription and removes your credits.

4. Searches about other people

When you search, you give us information about another person, such as a phone number, email address or name. You confirm that:

• You have a lawful reason for the search.
• You will use the results only as these Terms and the Acceptable Use Policy allow.
• You are not searching for a person you know or believe is under 18.

We do not tell the person you search for that you searched. Section 9 explains when we may share information about you, including when the law requires it.

5. Subscriptions and automatic renewal

Plans and prices

These are our plans in US dollars. If you pay in pounds sterling or euros, the checkout page shows the price in your currency before you pay.

The trial is the paid start of a Standard subscription. It costs $3.99. It is not free. Phone-only is available only as a switch from an existing subscription. Credit packs are one-time purchases. They are not available during the trial. [CONFIRM: BUILD_PLAN says anyone can buy packs; PAYMENT_FLOW locks packs during the trial.] The PDF add-on is a one-time purchase. It lets you download any report you unlock as a PDF, and it ends when your subscription ends.

How automatic renewal works

1. When you subscribe, you pay $3.99 for the trial. The trial lasts either 1 day or 7 days. The checkout page and your confirmation email both show which one applies to you.
2. When the trial ends, your subscription renews automatically on the Standard plan. We charge $29.99 to the payment method you used at checkout.
3. After that, we charge $29.99 every 28 days until you cancel. Every 28 days is not the same as monthly. It means about 13 charges a year, not 12.
4. Ending the trial early. If you use all your trial credits before the trial ends, you can choose to start the Standard plan straight away. We charge $29.99 when you confirm and add 20 credits, and your 28-day periods start from that moment.
5. If you are on the Quarterly, Annual or Phone-only plan, we charge that plan's price at the start of each of its billing periods until you cancel.
6. Your subscription keeps renewing until you cancel it. You can cancel at any time.

Your agreement at checkout

Directly above the Pay button, the checkout page states the trial price, the trial length, the renewal price and how often you will be charged. For example: "Get a 1-day trial for just $3.99. After the trial, we charge $29.99 every 28 days until you cancel." When you complete the purchase after seeing this, you agree to those charges and to automatic renewal until you cancel. If your account has already used a trial, the checkout page shows the full Standard price instead, before you pay.

If you live in the EU or UK, the checkout page also states that by completing the purchase you ask us to start your subscription straight away.

Emails about your subscription

When your trial starts, we email you the date and time it ends, the amount we will charge after it and how to cancel. After every payment, we email you a receipt that shows the amount, what it was for, the date of your next charge and how to cancel. Your Plan page always shows the date and amount of your next charge.

Failed payments

If a renewal payment fails, we email you and try again up to 3 times over the next 7 days. Your access continues while we retry. New credits are added only after a payment succeeds. You can still use credits already in your account. If every attempt fails, your subscription ends and the credits already in your account stay.

Price changes

We will email you at least 30 days before a price change applies to your subscription. The new price applies only from your first renewal after that notice period. If you do not want to pay the new price, cancel before that renewal.

Changing plans

You can switch plans on your Plan page. Before you confirm, the page shows the new price, the date the change takes effect and what you will be charged.

Taxes

[TAX TREATMENT: state whether prices include VAT/GST for EU, UK and other customers, and whether US sales tax is added at checkout.]

How charges appear on your statement

Charges appear as FULLREVEAL.AI [SUPPORT PHONE]. The merchant is Umbrella Net LLC.

6. Credits

What a credit does

One credit unlocks one full lookup report. Before you unlock anything, we show you a free preview. The preview tells you which kind of result you will get:

• Full result. We found owner or match details. Unlocking it costs 1 credit.
• Limited result. We found some information, but owner details are limited. The preview says "limited" and lists exactly what the report will contain. The credit cost is shown before you unlock it.
• No result beyond the preview. We found nothing past the basic check. There is nothing to unlock and nothing to pay.

No credit is used for a lookup that does not complete. Downloading a report as a PDF needs the PDF add-on and uses no credit. Phone-only credits can be used only for phone lookups.

Monitoring

When you monitor a phone number, email address, vehicle or person, we re-check it on a schedule. A re-check uses 1 credit only when it finds a meaningful change and we send you an alert. A re-check that finds no meaningful change uses no credit. If you have no credits when a change is found, we tell you a change was found and you can view it once you have a credit.

When credits are added

• Trial: 2 credits when your trial payment succeeds.
• Each renewal: your plan's credits when that renewal payment succeeds.
• Credit packs: the pack's credits when the pack payment succeeds.

Rollover

Unused subscription credits roll over to your next billing period. At each renewal you can carry over up to your plan's rollover cap. Subscription credits above the cap are removed at that renewal, and the new period's credits are then added on top.

Credits from your trial payment count as subscription credits.

Pack credits

Credits from packs never expire and never count toward a rollover cap. You can use them with or without an active subscription. When you unlock a report, we use subscription credits first and pack credits after.

When credits end

Credits do not expire with time. Credits are removed only in these cases:

1. Subscription credits above your rollover cap, at a renewal.
2. Credits left from a payment that we refund.
3. Credits from a payment that your bank reverses after a dispute.
4. Credits added by mistake or obtained by fraud.
5. All credits, when you close your account.

Cancelling your subscription does not remove credits. You can use them after your paid period ends.

No cash value

Credits have no cash value. You cannot sell or transfer them. Credits are not refundable except under our refund rules.

7. Cancellation

Ways to cancel

You can cancel at any time, in any of these ways:

1. In your account. Go to your Plan page (fullreveal.ai/app/plan) and choose Cancel subscription.
2. Without signing in. Go to fullreveal.ai/cancel and enter the email address on your account. Open the link we email you and confirm.
3. Through support. Email [SUPPORT EMAIL] or call [SUPPORT PHONE].

Offers when you cancel

When you cancel in your account, we may offer you a 30-day pause, a switch to the Phone-only plan or 40% off your next renewal. You do not have to accept an offer. One click skips the offers and continues to cancel.

• Pause. We do not charge you for 30 days, and your next renewal date moves 30 days later. No new credits are added during the pause. You can still use the credits you have. Monitoring is paused. Your subscription resumes at the end of the pause. Your Plan page shows the date of the next charge.
• Switch to Phone-only. From your next renewal date, you pay $5.99 every 30 days and get 10 phone-only credits each period. Until then you keep your current plan.
• 40% off. Your next renewal payment is 40% lower. After that, the normal price applies.

When cancellation takes effect

Cancelling stops all future charges as soon as you confirm. You keep access until the end of the period you already paid for. If you cancel during your trial, you keep access until the trial ends and you are not charged the renewal price. We email you to confirm the cancellation and the date your access ends. To avoid the next charge, cancel before the renewal date and time shown on your Plan page and in your latest receipt.

What you keep

Your credits stay in your account after you cancel, and you can use them after your paid period ends. Reports you unlocked stay in your history. Monitoring and the PDF add-on stop at the end of your paid period.

Cancelling is not a refund

Cancelling stops future charges. It does not refund payments you already made. Refunds follow our refund rules.

8. Refunds

These are our refund rules. Our Refund Policy contains the same rules word for word, with the model withdrawal form for EU and UK customers.

1. The 14-day refund. If you ask within 14 days after you start a new subscription, we refund every payment you made on that subscription during those 14 days. That includes the $3.99 trial payment, any renewal payment and any PDF add-on payment made in that time.
2. Once per customer. Each customer can use the 14-day refund once. We treat accounts that share an email address, a payment card or other billing details as one customer.
3. Self-serve and approved automatically. Request the refund on your Plan page (fullreveal.ai/app/plan). You do not need to give a reason. If rules 1 and 2 are met, the refund is approved automatically. If you cannot sign in, go to fullreveal.ai/cancel and enter your email address; the link we send signs you in and opens your Plan page. You can also ask by email at [SUPPORT EMAIL] or by phone at [SUPPORT PHONE], and we apply the same rules.
4. What counts as a new subscription. A new subscription is one you start at checkout. Switching plans inside an existing subscription does not start a new 14-day period.
5. What happens after a 14-day refund. Your subscription ends at once and we do not charge you again. Any credits left from the refunded payments are removed. Credits from packs you bought stay. Reports you already unlocked stay in your history.
6. After 14 days. We do not refund partial billing periods or unused subscription credits, except where the law requires it or where we charged you in error.
7. Charges made in error. If we charge you after you cancelled, charge you twice, or charge the wrong amount, we refund the incorrect charge in full. This does not use up your 14-day refund.
8. EU and UK right to withdraw. If you live in the European Union or the United Kingdom, you have a legal right to withdraw from a new subscription within 14 days after you start it, without giving a reason. At checkout you ask us to start the service straight away. If you withdraw, we refund what you paid on that subscription, minus a proportionate amount for the service you received before you told us. We work out that amount by days: for each payment, the share of its paid period that had passed when you told us. You can use this right even if you have already used your 14-day refund. If the 14-day refund also applies, we use whichever returns more money to you. To withdraw, use your Plan page, email [SUPPORT EMAIL], or send us the model withdrawal form at the end of our Refund Policy.
9. Credit packs. A credit pack is a one-time purchase. If you have not used any credit from a pack, we refund that pack in full if you ask within 14 days after you bought it. Once you use a credit from a pack, that pack is not refundable, except where the law requires it or where we charged you in error. To ask for a pack refund, email [SUPPORT EMAIL] or call [SUPPORT PHONE]. A pack refund does not use up your 14-day refund.
10. PDF add-on. The PDF add-on ends when your subscription ends. If you have not downloaded a PDF with it, we refund it in full if you ask within 14 days after you bought it. To ask, email [SUPPORT EMAIL] or call [SUPPORT PHONE]. This does not use up your 14-day refund.
11. If we close your account. If we close your account because you broke our Terms of Service or Acceptable Use Policy, we do not refund payments already made, except where the law requires it. If we close your account for any other reason, we refund the unused part of your current paid period in proportion to the days left, and the unused part of any credit pack in proportion to the credits left.
12. How refunds are paid. We refund to the payment method you used for the payment. We send the refund as soon as it is approved and email you when we do. Your bank or card issuer usually takes 5 to 10 business days to show it. If that payment method is closed, contact us and we will help.

9. Acceptable use

Our Acceptable Use Policy is part of these Terms. In short, you must not use FullReveal to:

• stalk, harass, threaten, intimidate or harm anyone;
• make any decision covered by the Fair Credit Reporting Act (see Section 10);
• search for or learn about anyone under 18;
• break any law, including privacy, anti-discrimination and anti-stalking laws;
• scrape, copy in bulk, resell or republish our data;
• attack, overload or get around the security of the Service.

We may refuse a search, limit your account, or close it if we reasonably believe you broke these rules. If we do, refunds follow rule 11 in Section 8. We may also report illegal activity to the authorities and share information with them when the law requires it or when we believe someone is at risk of serious harm.

10. FCRA notice and what we are not

FullReveal is not a consumer reporting agency as defined by the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. Our reports are not consumer reports. You must not use the Service, or any information from it, as a factor in deciding a person's eligibility for:

• employment, including hiring, promotion, retention or volunteer roles;
• renting or leasing housing, including tenant screening;
• credit, loans or other financing;
• insurance;
• a government licence or benefit;
• any other purpose covered by the FCRA or similar state laws.

Our FCRA Notice is part of these Terms.

What results cover by region

For phone numbers and email addresses in the European Union, the United Kingdom and Switzerland, we do not show the owner's name, address or other personal details. Results for these numbers and addresses are limited to checks such as validity, carrier, line type and country and, for email addresses, known data breaches and public platform registrations. The preview shows exactly what the report will contain before you pay.

11. No searches on minors

We do not provide reports about people under 18. Do not search for a person you know or believe is under 18. If our checks suggest a search may involve a person under 18, we do not show a report and we do not use a credit or charge you for that search.

12. Accuracy, matches and the automated verdict

• Results come from licensed third-party data providers and public sources. These sources can be wrong, incomplete or out of date. We do not create the underlying records and we cannot check every one.
• When we link a record to your search, we show how likely the match is. A likely match is not a certain match. Several people can share a name, and phone numbers and email addresses change hands.
• The verdict and risk rating are produced automatically from the report's data. They can be wrong. They are not a finding of fact about anyone and are not legal, financial or safety advice.
• Do not rely on a report alone for any important decision. Check important information with the person or with an official source.
• We do not guarantee any particular result or depth of result. The preview tells you, before you pay, whether a result is full or limited.

13. People who appear in results

If you appear in our results and do not want your details shown on FullReveal, you can ask us to stop showing them through our opt-out page. Opting out is free and does not need an account.

14. Comments and other content you post

• You can post comments on public phone number pages. You keep ownership of what you post. You give us a worldwide, non-exclusive, royalty-free licence to host, show, copy, adapt and distribute it as part of the Service. This licence lasts while the content is on the Service and for a reasonable time after you remove it.
• Your comments must be truthful and based on your own experience. Do not post anyone's personal details, threats, hate speech, or anything illegal or defamatory.
• We review comments, partly by automated means, and may refuse, edit or remove any comment.
• You are responsible for what you post.

15. Intellectual property

• The Service, including its software, design, text and reports, belongs to Umbrella Net LLC or our licensors and is protected by law.
• We give you a personal, non-transferable, revocable licence to use the Service and the reports you unlock for your own lawful use under these Terms.
• You must not copy, sell, resell, republish, frame or build a database from the Service or its reports, except that you may keep and print reports for your own personal use.
• Do not use our name, logo or the name FullReveal without our written permission.

16. Third-party services

The Service relies on third parties, such as our payment processor and our data providers. Payments are processed by our payment processor under its own terms. We are not responsible for third-party websites that results link to.

17. Disclaimers

The Service is provided "as is" and "as available". To the fullest extent the law allows, we make no warranties of any kind, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose and non-infringement. We do not promise that the Service will always be available, error-free or secure.

Some laws do not allow these exclusions. If you are a consumer in the EU or UK, or in any place where the law gives you rights that cannot be excluded, nothing in these Terms limits those rights.

18. Limitation of liability

To the fullest extent the law allows:

• We are not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, data or goodwill.
• Our total liability to you for all claims related to the Service is limited to the greater of (a) the amount you paid us in the 12 months before the event that caused the claim and (b) US$100.

These limits do not apply to liability that cannot be limited by law, such as liability for death or personal injury caused by our negligence, or for fraud.

19. Indemnity

You agree to defend and compensate Umbrella Net LLC against claims, losses and costs (including reasonable legal fees) that arise from your misuse of the Service, your breach of these Terms, or content you post. This section does not apply to consumers in places where the law does not allow it.

20. Suspension and termination

• You can stop using the Service and close your account at any time.
• We may suspend or close your account if you break these Terms, if the law requires it, or if we stop offering the Service. Where we can, we will tell you why by email.
• If we close your account, refunds follow rule 11 in Section 8.
• Sections 10, 12 and 15 to 22 continue after your account is closed.

21. Governing law and disputes

[GOVERNING LAW: name the state or country whose law governs these Terms.]

[DISPUTE RESOLUTION: counsel to decide courts, arbitration, small-claims option and any class-action waiver.]

Before you start a formal dispute, please contact us at [SUPPORT EMAIL]. Most problems can be solved quickly that way.

If you are a consumer in the EU or UK, you can also bring a claim in the courts where you live, and the mandatory consumer protection laws of your country still apply.

22. Changes to these Terms

We may change these Terms. If a change materially affects you, we will email you at least 30 days before it takes effect, and we will show the new effective date at the top of this page. A change in price follows the "Price changes" rules in Section 5. If you do not agree to a change, you can cancel before it takes effect. Changes do not apply to a dispute that started before the change.

23. Contact

Umbrella Net LLC [REGISTERED ADDRESS]

• Email: [SUPPORT EMAIL]
• Phone: [SUPPORT PHONE]
• Cancel without signing in: fullreveal.ai/cancel