Terms of Service

Welcome to ClearNym (“we”, “us”, “our”). These Terms of Service (“Terms”) govern your use of the website located at clearnym.com (“Website”) and the services made available through it (“Services”). By accessing or using our Website or Services, or by clicking “Submit,” you agree to be bound by these Terms. If you do not agree, please do not use our Website or Services.

1. Acceptance of Terms

By using our Website or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use our Website or Services.

2. Definitions

“Terms” or “Terms of Service” refers to these Terms of Service, which constitute the entire agreement between you and Clearnym Inc regarding your use of the Website and Services.

“We”, “us”, “our” refers to Clearnym Inc, a corporation registered under the laws of the State of Delaware, with principal place of business at 8 The Green #23155, Dover, DE, 19901, United States, contact email:

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“User”, “you”, or “your” means any individual or entity who accesses, uses, or registers for the Website or Services.

“Website” means the online platform accessible at clearnym.com, including its subdomains, content, software, databases, design, and any related technology or intellectual property.

“Services” means all products, tools, data protection services, features, and functionalities provided through or in connection with the Website.

“People Search Sites” means third-party online data brokers, directories, aggregators, yellow pages, or any other publicly available platforms that collect and publish personal information about individuals.

3. Registration, Account Security, and User Information

3.1 Account Creation and Accuracy of Information

To access certain features of our Services, you must create an account (“Account”) by providing required information, including a valid email address (which will serve as your username), and selecting a password. You agree to provide true, accurate, current, and complete information during registration and to maintain and promptly update such information to keep it accurate.

3.2 Account Security and Authorization

You are responsible for maintaining the confidentiality of your Account login credentials and are fully responsible for all activities that occur under your Account. You agree not to share your password with others or allow unauthorized use. You must notify us immediately upon learning of any unauthorized use of your Account or any other security breach.

We assume that anyone who accesses the Services or performs transactions using the correct login credentials is the authorized Account holder. You acknowledge that any activity on your Account will be deemed to have been authorized by you. We will not be liable for any loss or damage arising from unauthorized use unless you notify us immediately and we fail to act promptly.

3.3 Information You Provide to Us

By using our Services, you represent and warrant that:

  • All information you provide to us is true, accurate, current, and complete to the best of your knowledge.
  • You will not submit, upload, or transmit any fraudulent, misleading, deceptive, or inaccurate information.
  • You are not impersonating any other person or entity, and you do not falsely state or misrepresent your affiliation with any person or entity.

If at any time we determine, or have reasonable grounds to suspect, that the information you have provided is false, inaccurate, outdated, incomplete, or otherwise unreliable, we reserve the right to immediately suspend or terminate your access to the Services, refuse any and all current or future use of the Services, and pursue any other remedies available to us under law or equity.

You acknowledge and agree that the effectiveness and accuracy of the Services depend directly on the timeliness, completeness, and accuracy of the information you provide.

3.4 Your Consent and Authorization to Use Personal Data

By using the Services, you expressly consent to and authorize us to:

  • Use all information you have provided, including personally identifiable information (“Personal Data”), to perform internet searches and manage the removal or suppression of your personal information from third-party People Search Sites; this includes submitting opt-out or removal requests on your behalf.
  • Contact third-party entities, including People Search Sites and data brokers, who collect or publish your personal information.
  • Create, maintain, and manage online accounts with People Search Sites in your name solely for the purpose of facilitating opt-out requests or other information removal actions required by such third parties.
  • Act as your authorized agent in communications and interactions with third parties regarding the removal, suppression, or monitoring of your personal information, and to identify ourselves as acting on your behalf.

4. Subscriptions and Payment Terms

4.1 Payment Methods

Payments for the Services may be made using a valid credit or debit card. All payment transactions are processed by third-party payment processors, and your financial information is not stored or processed directly by us. We disclaim any responsibility or liability for the processing, security, or errors arising from payment transactions handled by such third parties. Any disputes regarding payment processing should be addressed directly with the applicable payment provider.

4.2 Month-to-Month Subscriptions

If you subscribe to our Services on a month-to-month basis, your subscription will automatically renew at the conclusion of each monthly billing cycle unless you provide written notice of non-renewal at least thirty (30) days prior to the end of the current billing period. You authorize us to charge the payment method on file for the applicable monthly subscription fees for every month or partial month during which your subscription remains active.

4.3 Annual Subscriptions

You may elect to purchase an annual subscription plan. Such subscriptions will automatically renew at the start of each subsequent anniversary year unless you notify us in writing of your intent not to renew at least thirty (30) days before the expiration of the then-current subscription term. You authorize us to charge the payment method on file for the applicable annual subscription fees upon each renewal.

4.4 Trial Period

We offer a free trial period of fourteen (14) days commencing from the moment you activate the trial by submitting your payment information. If you do not cancel your trial subscription before the expiration of the trial period, the trial will automatically convert into a paid subscription under the terms of the subscription plan you selected. You may cancel your trial before it converts by following the cancellation procedure described in Section 4.6 below.

This free trial offer is limited to one per user and may not be used by any person or entity that has previously used our Services.

4.5 Renewals

Your subscription will renew automatically at the end of each subscription term unless you cancel prior to renewal as described herein.

In the event your payment card expires, is cancelled, or is otherwise invalid, you agree to promptly provide updated payment information to avoid interruption or cancellation of your subscription. You authorize us to verify the validity of your payment method from time to time and to charge your payment method for subscription fees without further notice.

4.6 Cancellation

You may cancel your subscription at any time for any reason. Cancellation requests must be submitted through your account interface as follows:

  • Log in to your account on the Website.
  • Navigate to the “Plans & Billing” section.
  • Select “Cancel subscription.”
  • Follow the on-screen prompts to confirm your cancellation.

Upon cancellation, your subscription will remain active until the end of the current billing period for which you have already paid. No further charges will be made following the end of your subscription term. During this period, we will continue to provide the Services as normal.

4.7 Refunds

Refunds for subscription fees are granted solely at our discretion. Any refund requests must be submitted to our support team along with evidence supporting the claim. For more information on refund eligibility and processes, please refer to our FAQ or contact customer support directly.

4.8 Late Payments

We reserve the right to suspend, disable, or terminate your access to the Services if any fees owed remain unpaid beyond the payment due date. Restoration of Services will require payment of outstanding amounts.

4.9 Taxes and Charges

You are responsible for paying any applicable sales, use, value-added, or other taxes, duties, or fees imposed by governmental authorities related to your use of the Services or subscription payments. All fees are exclusive of such taxes unless explicitly stated otherwise.

4.10 Changes to Pricing and Offers

Any sales, promotional, or discounted pricing offered are temporary and may expire upon subscription renewal. We reserve the right to update, modify, or discontinue subscription plans, pricing, promotions, coupons, or discounts at our sole discretion at any time.

If pricing changes occur for your subscription type during an active subscription term, your initial pricing and quote will remain effective until the end of your current subscription term. Upon renewal, the new pricing will apply.

Additionally, we reserve the right to convert free Services into paid offerings, repackage Services, or adjust pricing at any time without prior notice.

4.11 Identity Fraud Reimbursement Insurance Benefit

Some paid plans, memberships, or features offered through ClearNym may include access to an identity protection membership, identity fraud expense reimbursement benefit, cash recovery benefit, investment account cash recovery benefit, health savings account cash recovery benefit, or related insurance benefit, as described in the applicable Summary of Benefits, policy documents, enrollment materials, benefit terms, account dashboard, pricing page, or checkout flow.

The standard eligible ClearNym membership tier includes access to an identity fraud expense reimbursement benefit of up to $1,000,000 per Single, Spouse, or Family Membership per twelve-month period, subject to the applicable policy, Summary of Benefits, eligibility requirements, exclusions, claim procedures, proof-of-loss requirements, and other benefit terms.

The upgraded eligible ClearNym membership tier includes access to an identity fraud expense reimbursement benefit of up to $5,000,000 per Single, Spouse, or Family Membership per twelve-month period, subject to the applicable policy, Summary of Benefits, eligibility requirements, exclusions, claim procedures, proof-of-loss requirements, and other benefit terms.

The upgraded membership tier may be available for an additional fee. The additional fee is charged for the upgraded ClearNym membership tier and related services, which may include access to the higher identity fraud expense reimbursement benefit where available.

These Identity Fraud Reimbursement Insurance Benefit Terms apply if you enroll in, activate, access, upgrade to, or use any such benefit.

4.11.1 Insurance Benefit Is Provided by Third Parties

The insurance benefit is not underwritten by Clearnym Inc. Clearnym Inc is not an insurance company, insurer, underwriter, claims administrator, claims adjuster, broker, agent, or guarantor of any insurance benefit, reimbursement, claim payment, or claim decision.

The applicable insurance benefit is provided under a group or blanket insurance policy issued to the applicable policyholder or program provider and is underwritten, administered, and/or supported by the insurer, claims administrator, policyholder, program provider, and other parties identified in the applicable Summary of Benefits, policy documents, enrollment materials, or benefit terms.

For the Assurant / Array program, the Identity Fraud Expense Reimbursement benefit is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, under a group or blanket policy issued to Array US Inc, Identity Theft Guard Solutions, Inc. d/b/a ARRAY US, INC., or their respective affiliates, for the benefit of eligible members, as described in the applicable Summary of Benefits.

American Bankers Insurance Company of Florida administers claims and is solely responsible to eligible members with respect to the Identity Fraud Expense Reimbursement benefit. Clearnym Inc does not decide insurance claims and does not guarantee that any claim will be approved, that any reimbursement will be paid, or that any particular loss, expense, event, account, transfer, or claim will be covered.

4.11.2 Summary of Benefits Controls

The insurance benefit is subject to the applicable policy, Summary of Benefits, limits of insurance, aggregate limits, sub-limits, conditions, definitions, exclusions, claim procedures, proof-of-loss requirements, deadlines, and other terms.

The Summary of Benefits is only a summary and does not include all terms, conditions, exclusions, and limitations of the applicable policy. In the event of a conflict between these Terms and the applicable policy, Summary of Benefits, or insurance benefit terms, the applicable policy, Summary of Benefits, or insurance benefit terms will control with respect to the insurance benefit.

A complete copy of the applicable policy may be available upon request from the applicable policyholder or program provider. For the Assurant / Array program, a complete copy of the policy may be requested from Array US Inc at 866-237-5240.

4.11.3 Eligibility

The insurance benefit is available only to users who:

  • are enrolled in an eligible paid plan, membership, or feature;
  • have activated the benefit, if activation is required;
  • remain active and paid members in good standing;
  • satisfy all eligibility requirements stated in the applicable Summary of Benefits, policy documents, enrollment materials, account dashboard, pricing page, checkout flow, or benefit terms; and
  • comply with all claim procedures, documentation requirements, deadlines, and other obligations.

Coverage, if any, begins only on the applicable effective date stated in the Summary of Benefits, policy documents, enrollment materials, membership records, account dashboard, checkout flow, or benefit terms.

If your account, membership, eligible plan, payment status, the applicable policy, the group program, the policyholder’s participation, or ClearNym’s relationship with the applicable benefit provider ends, your access to the insurance benefit may end as of the applicable termination date, subject to the applicable policy and benefit terms.

Losses that occur, are discovered, or are reported outside the applicable coverage period may not be covered.

4.11.4 Covered Members

Depending on your selected plan, the benefit may apply only to you, or it may also apply to an eligible spouse, domestic partner, family member, child, dependent, or household member, as described in the applicable Summary of Benefits.

If you enroll, register, or submit information for any spouse, domestic partner, family member, child, dependent, or household member, you represent and warrant that you have the legal authority to do so and that you are authorized to provide their information and agree to these Terms on their behalf where permitted by law.

Family, spouse, domestic partner, child, dependent, and household member eligibility is determined solely under the applicable Summary of Benefits, policy documents, enrollment materials, and benefit terms.

4.11.5 Benefit Limits

The standard eligible ClearNym membership tier includes an identity fraud expense reimbursement aggregate limit of up to $1,000,000 per Single, Spouse, or Family Membership per twelve-month period.

The upgraded eligible ClearNym membership tier includes an identity fraud expense reimbursement aggregate limit of up to $5,000,000 per Single, Spouse, or Family Membership per twelve-month period.

Your actual benefit limit is the limit shown for your applicable plan, membership tier, enrollment materials, account dashboard, checkout flow, Summary of Benefits, or benefit terms.

The applicable Summary of Benefits may list additional insurer-supported benefit options that are not offered through ClearNym. ClearNym does not make every insurer-supported option available to every user or membership tier.

Additional benefits, if included, may include:

  • Cash Recovery Aggregate benefit, up to $1,000,000; and/or
  • Investment & Health Savings Accounts Cash Recovery benefit, up to $1,000,000.

Unless the applicable Summary of Benefits states otherwise, these cash recovery benefits are part of, and not in addition to, the applicable Expense Reimbursement Aggregate Limit of Liability.

The applicable aggregate limit is the maximum amount payable for all covered losses during the applicable twelve-month period, subject to the applicable policy, Summary of Benefits, exclusions, conditions, claim procedures, proof-of-loss requirements, and other benefit terms.

4.11.6 Covered Events

Depending on your plan and the applicable Summary of Benefits, the insurance benefit may provide reimbursement for certain covered expenses and legal costs incurred as a direct result of covered identity fraud events, including certain fraud or embezzlement, theft, forgery, data breach, stolen identity event, unauthorized electronic fund transfer, cash recovery, investment account cash recovery, or health savings account cash recovery events.

This is only a high-level description. The insurance benefit does not cover every identity theft, fraud, account compromise, unauthorized transfer, data breach, loss, expense, legal cost, investment loss, cryptocurrency transfer, business loss, or financial loss.

Coverage is determined solely under the applicable policy, Summary of Benefits, and benefit terms.

4.11.7 Claim Duties and Deadlines

If you believe you have suffered a loss that may be covered by the insurance benefit, you must follow the claim procedures in the applicable Summary of Benefits and policy.

These procedures may require you to:

  • notify the appropriate authority and affected institutions as soon as practicable;
  • notify law enforcement and provide a police report if the loss involves a violation of law;
  • contact the claims administrator within the required claim notice period;
  • submit detailed proof of loss and supporting documentation within the required deadline;
  • provide documentation from the relevant financial institution, account provider, investment account provider, or health savings account custodian or administrator showing that funds were fraudulently removed and are non-recoverable, where required;
  • take reasonable steps to mitigate the loss, including requesting waivers of applicable fees where available;
  • cooperate with the insurer, claims administrator, and other relevant parties;
  • provide records, receipts, bills, notices, summons, legal papers, account records, credit reports, correspondence, and other documents reasonably requested;
  • attend examinations, depositions, hearings, or trials where reasonably required;
  • help the insurer or claims administrator enforce legal rights against any person or entity that may be liable for the loss; and
  • not voluntarily admit liability, make payments, or incur expenses for which you seek reimbursement without required prior written consent.

For the Assurant / Array program, the Summary of Benefits requires you to call the claims administrator at (833) 568-6249 to make a valid claim within sixty (60) days of the date of discovery, or as soon as reasonably possible. For certain Cash Recovery, Investment Account, or Health Savings Account Cash Recovery claims, the Summary of Benefits may require the loss to be reported within ninety (90) days of discovery.

Failure to follow the applicable claim procedures, deadlines, documentation requirements, mitigation obligations, or cooperation obligations may result in denial, delay, or limitation of coverage.

4.11.8 Important Exclusions and Limitations

The insurance benefit is subject to significant exclusions and limitations. Depending on the applicable Summary of Benefits and policy, the insurance benefit may not cover, among other things:

  • losses due to fraudulent, dishonest, or criminal acts by you, a person acting in concert with you, or an immediate family member;
  • losses resulting from errors or omissions in the input, processing, or output of data by a computer system;
  • losses resulting from your voluntary surrender of any access device, card, code, PIN, password, personal check, account access method, or similar instrument to any person or entity;
  • losses resulting from unintentional clerical errors by a financial institution;
  • losses connected with pre-authorized transfers;
  • indirect, consequential, speculative, or potential-income losses;
  • losses of potential income not realized;
  • losses resulting from identity fraud discovered before the applicable effective date of coverage;
  • losses arising out of business pursuits, business accounts, or commercial accounts;
  • loss of valuable papers, valuable documents, jewelry, silverware, stamps, coins, or other personal property, except as expressly covered;
  • property damage, bodily injury, or personal injury;
  • losses resulting from the financial performance of any investment or financial product;
  • losses from gambling or games of chance;
  • losses other than covered credit card, prepaid card, debit card, unauthorized electronic fund transfer, or other covered cash recovery losses specifically described in the Summary of Benefits;
  • losses, claims, or damages not covered under the applicable policy;
  • legal fees or professional fees above the applicable hourly cap stated in the Summary of Benefits;
  • losses that occurred while you were not an active and paid eligible member;
  • losses resulting from unauthorized electronic transfers of digital currency, cryptocurrency, Bitcoin, Ethereum, Litecoin, or any currency not regulated or supervised by a government agency;
  • certain investment account or health savings account losses where required authentication, two-factor authentication, knowledge-based authentication, or other authentication process was available but was not activated by the member, if excluded by the applicable Summary of Benefits;
  • losses resulting from failure by you, a financial institution, or an HSA custodian or administrator to comply with standard or customary transfer instruction verification and approval processes, if excluded by the applicable Summary of Benefits; and
  • any other exclusions or limitations stated in the applicable policy, Summary of Benefits, enrollment materials, or benefit terms.

This list is not exhaustive. You must review the applicable Summary of Benefits for the complete description of exclusions and limitations.

4.11.9 No Advice or Guarantee

ClearNym may provide access to identity protection features, benefit information, enrollment flows, claim routing, customer support, or related technology. However, ClearNym does not provide legal, tax, financial, investment, insurance, or professional advice.

Nothing in the Website, Services, these Terms, the Privacy Policy, customer support communications, marketing materials, pricing pages, plan descriptions, benefit descriptions, or account dashboard should be treated as legal, financial, investment, tax, or insurance advice.

You are responsible for reviewing the applicable Summary of Benefits, understanding your coverage, maintaining account security, activating required authentication methods, preserving records, reporting suspected fraud promptly, and complying with all claim procedures.

4.11.10 Authorization to Share Information

By enrolling in, activating, accessing, upgrading to, or using the identity protection membership or insurance benefit, you authorize ClearNym to collect, use, disclose, and retain your information, including claim-related information and supporting documentation, as described in our Privacy Policy.

You authorize ClearNym to share your information with the applicable insurer, underwriter, policyholder, insurance administrator, claims administrator, identity protection program provider, service providers, financial institutions, credit reporting agencies, credit grantors, merchants, creditors, collection agencies, law enforcement agencies, courts, regulators, attorneys, accountants, investigators, and other relevant parties as reasonably necessary to:

  • determine eligibility;
  • activate, administer, and support the benefit;
  • verify membership status, plan status, payment status, and coverage tier;
  • process, investigate, verify, administer, or support claims;
  • recover losses or enforce rights of recovery;
  • prevent, detect, investigate, and respond to fraud, misuse, unauthorized activity, or unlawful conduct;
  • comply with law, regulation, legal process, insurance obligations, audit obligations, tax obligations, and contractual obligations; and
  • enforce these Terms, the Privacy Policy, the applicable Summary of Benefits, and other applicable terms.

If you submit information about a spouse, domestic partner, family member, child, dependent, or household member, you represent that you have authority to provide that information and authorize its use and disclosure for these purposes.

4.11.11 Changes, Suspension, or Termination

ClearNym may modify, suspend, replace, or discontinue the identity protection membership or insurance benefit if:

  • the applicable policy changes or terminates;
  • the applicable group or blanket insurance program changes or terminates;
  • the policyholder, insurer, program provider, claims administrator, or service provider changes or terminates its relationship with ClearNym or the program;
  • your plan, account, membership, eligibility, or payment status changes or terminates;
  • required by law, regulation, regulator request, court order, or contractual obligation; or
  • necessary to prevent fraud, misuse, security risk, or operational risk.

If the applicable policy is terminated, your benefits under that policy may cease as of the termination date, subject to the applicable policy and Summary of Benefits.

Termination, suspension, replacement, or modification of the benefit does not create any right to reimbursement for losses that are not covered under the applicable policy, Summary of Benefits, or benefit terms.

4.11.12 Conflict

If these Terms conflict with the applicable Summary of Benefits, insurance policy, or insurance benefit terms, the Summary of Benefits, policy, or insurance benefit terms will control with respect to the insurance benefit.

If these Terms conflict with the Privacy Policy regarding the collection, use, disclosure, or retention of Personal Information, the Privacy Policy will control with respect to privacy matters.

5. Support

You acknowledge and agree that we are under no absolute obligation to provide you with technical support, maintenance, or customer service related to the Website or the Services. Nonetheless, subject to the terms of your subscription and these Terms, we will make commercially reasonable efforts to assist you with any questions, issues, or difficulties you may encounter while using the Website or Services.

To contact our support team, please send an email to

. Providing complete and detailed information about your issue, including relevant screenshots, error messages, account details, and steps to reproduce the problem, will facilitate a more efficient and effective resolution.

Please note that support response times may vary depending on the nature of the issue, your subscription level, and other operational factors. We do not guarantee any specific response or resolution timeframes.

6. Intellectual Property Rights

6.1 Ownership of Intellectual Property

All content, materials, and intellectual property available on or through the Website and Services—including but not limited to text, design elements, graphics, images, photographs, videos, illustrations, computer code, databases, software, know-how, and any other proprietary information or materials (collectively, “Intellectual Property”)—are owned by, licensed to, or otherwise lawfully controlled by Clearnym Inc or its licensors. Such Intellectual Property is protected by applicable United States and international intellectual property laws, including copyright, trademark, patent, and trade secret laws.

Except as expressly authorized by these Terms or by us in writing, you are strictly prohibited from copying, reproducing, distributing, publicly displaying, modifying, creating derivative works of, or otherwise exploiting any part of the Intellectual Property for commercial or non-commercial purposes.

6.2 Trademarks

Clearnym Inc’s registered trademarks, including but not limited to “ClearNym®” and any associated logos, service marks, product names, slogans, or other brand identifiers appearing on the Website or in connection with the Services, are the exclusive property of Clearnym Inc or its affiliates.

You may not use any trademark, service mark, logo, or trade name of Clearnym Inc without our prior written consent. This includes but is not limited to the use of any such marks in domain names, meta tags, hidden text, or any other form of electronic or print media designed to mislead or suggest affiliation, sponsorship, or endorsement by Clearnym Inc.

7. Use of Website and Services

7.1 License Grant and Permitted Use

Subject to your full compliance with these Terms, we grant you a limited, personal, worldwide, non-transferable, royalty-free, and non-exclusive license to access and use the Website and Services solely for your own personal, non-commercial purposes. This license exists exclusively to enable you to utilize and enjoy the Website and Services as permitted by these Terms.

Any other use of the Website or Services, including but not limited to commercial exploitation, distribution, resale, or sublicensing, requires our prior explicit written authorization.

You agree to use the Website and Services exclusively for lawful purposes and in compliance with all applicable local, state, federal, and international laws, statutes, rules, and regulations.

7.2 Restrictions and Prohibited Conduct

You expressly agree that you shall not, and shall not permit any third party to, engage in any of the following prohibited actions while using or accessing the Website or Services:

  • Reproduce, modify, adapt, translate, prepare derivative works based on, publicly perform or display, distribute, transmit, broadcast, sell, license, or otherwise exploit any part of the Website or Services without prior authorization;
  • Use the Website or Services for any commercial purpose or in any manner not expressly authorized by us;
  • Circumvent, disable, damage, or otherwise interfere with any security-related features, access controls, digital rights management mechanisms, or content protection measures implemented on or in connection with the Website or Services;
  • Forge TCP/IP packet headers or any part of the header information in any posting or otherwise manipulate identifiers to disguise the origin of any content transmitted through the Website or Services;
  • Interfere with or disrupt (or attempt to interfere with or disrupt) the integrity or performance of the Website, Services, servers, networks, or systems related to the Website or Services, including those of our service providers;
  • Attempt to probe, scan, test the vulnerability of, breach, impair, circumvent, or defeat any security or authentication measures protecting the Website or Services;
  • Attempt to reverse engineer, decompile, disassemble, or otherwise decipher any software or technology used in the provision of the Website or Services;
  • Access, search, or “meta-search” the Website or Services by means of any engine, software, tool, agent, device, or mechanism other than those explicitly provided or authorized by us, or commonly available web browsers;
  • Collect, harvest, or store personal data about other Users without their explicit consent;
  • Impersonate any person or entity, misrepresent your affiliation with any person or entity, engage in pretexting, social engineering, or fraud;
  • Use the Website or Services in any way that violates these Terms or encourages others to violate these Terms.

Violation of any of these restrictions may result in immediate suspension or termination of your access and may expose you to legal liability.

8. Disclaimer of Warranties

Your use of the Website, Services, and any associated content, information, products, features, or software provided through the Website or Services is solely at your own risk and discretion. To the fullest extent permitted by applicable law, we disclaim all liability to you and any third party arising from or relating to your use of the Website and Services.

The Website, Services, and all materials, information, and products contained therein are provided on an “as is” and “as available” basis without any warranties of any kind, whether express, implied, statutory, or otherwise. Specifically, but without limitation, we disclaim all warranties relating to:

  • Title, ownership, and non-infringement;
  • Merchantability and fitness for a particular purpose;
  • Accuracy, completeness, reliability, security, timeliness, or performance of the Website or Services;
  • That the Website or Services will be error-free or that any errors or defects will be corrected;
  • That the Website or Services will meet your requirements, expectations, or standards of quality.

No advice or information, whether oral or written, obtained from us or through the Website or Services shall create any warranty not expressly stated herein. Some jurisdictions do not allow the exclusion of certain warranties; in such cases, some of these disclaimers may not apply to you to the extent prohibited by law.

We have no obligation to verify the identity of any Users registering or using the Services, nor do we monitor user activity. Accordingly, we disclaim all liability for identity theft, fraudulent use, or any misuse of your personal information or identity by third parties.

You acknowledge and agree that we have no obligation to provide technical support, maintenance, or updates related to the Website or Services.

Compatibility

We do not warrant that the Website or Services will be compatible with all hardware, software, or devices that you use or may use in the future.

Third-Party Software and Content

We disclaim any responsibility or liability for:

  • The content, availability, or services provided by third-party websites, platforms, or applications accessible via the Website or Services;
  • The performance, functionality, or consequences arising from your use of any third-party software components, modules, plugins, or other technology integrated with or available through the Website or Services.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL WE, OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR PARTNERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE WEBSITE, THE SERVICES, OR THE INFORMATION PROVIDED THEREIN, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, LOSS OF BUSINESS OPPORTUNITIES, OR BUSINESS INTERRUPTION, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR WHETHER WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING UNDER OR RELATING TO THESE TERMS, THE WEBSITE OR THE SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT OF SERVICE FEES ACTUALLY PAID BY YOU TO US DURING THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE CLAIM GIVING RISE TO LIABILITY OR, IF NO FEES HAVE BEEN PAID, FIFTY (50) U.S. DOLLARS.

No Liability for Third-Party Actions

You expressly acknowledge and agree that we do not control, monitor, or endorse the behavior or actions of any third parties who may access, use, distribute, or otherwise exploit information or data on the internet, including any information that has been removed, suppressed, or managed through our Services. We shall have no liability whatsoever for any harm, damages, losses, claims, or expenses caused directly or indirectly by any actions, misuse, or unlawful conduct of any third parties using or misusing your personal information or data on the internet or elsewhere.

This includes, but is not limited to, any damages resulting from identity theft, data breaches, unauthorized use of personal information, or any other malicious acts committed by third parties. You understand and agree that your use of the Services does not guarantee the complete removal, eradication, or prevention of your information’s appearance or misuse by others on the internet.

Other Limitations

We shall not be liable for any delays, interruptions, service failures, or other issues inherent to the use of the internet, telecommunications networks, or other systems outside our reasonable control.

THE LIMITATIONS AND DISCLAIMERS IN THIS SECTION REPRESENT AN ALLOCATION OF RISKS BETWEEN YOU AND US AND FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN THE PARTIES. YOU ACKNOWLEDGE THAT THESE LIMITATIONS ARE A REASONABLE AND MATERIAL CONDITION OF OUR PROVIDING THE WEBSITE AND SERVICES TO YOU.

10. Indemnification

You agree to defend, indemnify, and hold harmless Clearnym Inc, its parent companies, subsidiaries, affiliates, customers, vendors, officers, directors, employees, and agents (collectively, the “Indemnified Parties”) from and against any and all claims, demands, liabilities, losses, damages, costs, and expenses (including, without limitation, reasonable attorneys’ fees and court costs) arising out of or related to:

  • Your access to or use of the Website or Services;
  • Any breach or alleged breach of these Terms by you;
  • Your violation of any rights of a third party, including but not limited to intellectual property rights, rights of publicity, confidentiality obligations, property rights, or privacy rights;
  • Your negligent, reckless, or willful misconduct;
  • Any data, content, or information that you submit, post, or transmit through the Website or Services.

You agree to promptly notify us in writing of any claim, suit, or proceeding for which you may be required to indemnify the Indemnified Parties, and you shall cooperate fully in the defense of such claim. We reserve the right to assume control of the defense or settlement of any such claim at our own expense.

11. Your Feedback

If you provide us with any feedback, ideas, suggestions, or proposals regarding the Website, Services, or related features (“Feedback”), you hereby grant Clearnym Inc a perpetual, irrevocable, worldwide, royalty-free, non-exclusive, transferable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, display, and otherwise exploit such Feedback in any manner and for any commercial or non-commercial purpose, without any obligation or compensation to you.

You represent and warrant that you have full rights to submit such Feedback and that the Feedback does not violate the intellectual property rights, privacy rights, or any other rights of any third party. You agree to indemnify and hold harmless Clearnym Inc from any claims arising out of or related to the Feedback you submit.

12. Modifications

We reserve the exclusive right, at our sole discretion, to:

  • Modify, amend, or revise these Terms at any time by posting the updated Terms on the Website. It is your responsibility to review the most current version of the Terms regularly to stay informed of any changes that govern your use of the Website and Services.
  • Change, update, enhance, restrict, suspend, or discontinue, temporarily or permanently, the Website, Services, or any features, functionalities, or content thereof, with or without prior notice to you.
  • Terminate, restrict, or suspend your access to the Website or Services, in whole or in part, at any time and for any reason, including for violations of these Terms or for operational or security reasons.

Your continued access to or use of the Website or Services after the posting of any modifications constitutes your acceptance of and agreement to be bound by the revised Terms. If you do not agree to any changes made to these Terms, you must immediately discontinue your use of the Website and Services and cancel any account you have registered with us.

13. Termination and Account Cancellation

These Terms shall remain in effect from the moment you accept them until terminated by either party in accordance with the provisions herein.

13.1 Termination by You

You may terminate these Terms and your subscription to the Services at any time by following the cancellation procedures set forth in Section 4 (“Subscriptions and Payment Terms”). Termination by you shall become effective at the end of your then-current billing cycle unless otherwise stated.

13.2 Termination by Us

Without limiting any other remedies available to us, we reserve the right to suspend or terminate these Terms with you, restrict or terminate your access to the Website and Services, and/or delete any of your data, at our sole discretion and at any time, including but not limited to circumstances where:

  • You breach or violate any provision of these Terms;
  • You infringe on the proprietary rights, privacy rights, or intellectual property rights of any individual, business, or entity;
  • Your conduct in connection with the Website or Services is illegal, harmful, harassing, abusive, disruptive, or otherwise causes damage, embarrassment, or liability to us, other Users, third parties, or the Website and Services;
  • You initiate a chargeback or dispute a payment made for the Services without prior authorization;
  • Applicable law or government authority requires termination;
  • We decide to discontinue offering the Services or to shut down the Website.

We also reserve the right to terminate or suspend your account, the Services, or the Website for any reason, at any time, with or without cause, and without prior notice.

13.3 Effect of Termination

Upon termination of these Terms, all licenses, rights, and permissions granted to you under these Terms shall immediately cease. You must immediately discontinue all use of the Website and Services.

Termination will result in the loss of access to all data, content, and information associated with your account. We have no obligation to retain or provide access to your data post-termination, except as required by applicable law.

Termination or suspension shall not relieve you of any payment obligations accrued prior to termination, nor affect provisions that by their nature survive termination, including but not limited to ownership rights, indemnification, limitation of liability, confidentiality, and dispute resolution.

14. Dispute Resolution by Mandatory Binding Arbitration and Class Action Waiver

Please read this arbitration and class action waiver carefully. It requires that, except where prohibited by applicable law, disputes between you and Clearnym Inc be resolved individually through binding arbitration and limits how you can seek relief.

Except where prohibited by applicable law, you agree that any claims you have now or in the future relating to these Terms, the Website, the Services, your account, your subscription, your use of ClearNym, or your relationship with Clearnym Inc must be resolved through final and binding arbitration. By agreeing to these Terms, you and Clearnym Inc each waive the right to a trial by jury. Rights you would have in court, such as discovery or the right to appeal, may be limited or unavailable in arbitration.

You agree to bring claims only on an individual basis and not as a plaintiff, class member, or representative in any class, collective, representative, or consolidated action, except where applicable law requires otherwise. The arbitrator is not permitted to consolidate claims or preside over any class, collective, representative, or consolidated proceeding except where applicable law requires otherwise.

14.1 General

“Claim” means any dispute, claim, controversy, or cause of action between you and Clearnym Inc, or any third party acting on behalf of either party, arising out of or relating to your account, your subscription, your use or attempted use of the Website or Services, ClearNym’s products or services, these Terms, the Privacy Policy, any communications from Clearnym Inc or its representatives, or any acts or omissions by Clearnym Inc or third parties related to the Services.

Both you and Clearnym Inc agree to resolve Claims by final and binding arbitration instead of in court, except for the exceptions stated in this Section 14. This arbitration agreement is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16.

14.2 Exceptions

Notwithstanding the arbitration requirement above:

  1. You and Clearnym Inc may each bring an individual claim in small claims court if the claim qualifies for that court’s jurisdiction.
  2. Clearnym Inc may bring claims in court relating to intellectual property rights, including trademarks, copyrights, patents, trade secrets, misuse of brand assets, unauthorized use of the Website or Services, or infringement of ClearNym’s intellectual property.
  3. Clearnym Inc may seek temporary, preliminary, or permanent injunctive relief in court to prevent unauthorized use of the Website or Services, security violations, abuse, fraud, misuse of data, or breach of these Terms.
  4. If applicable law does not permit a specific claim to be arbitrated, that claim may be brought in a court of competent jurisdiction.

For all excluded matters, unless applicable law requires otherwise, exclusive jurisdiction and venue will be in the state or federal courts located in Delaware.

14.3 Pre-Dispute Process

Before filing a Claim, you and Clearnym Inc agree to attempt to resolve the dispute informally. The party raising the dispute must send a written notice describing the dispute, the relevant facts, supporting documents, and the requested resolution.

You may send notice to:

Clearnym Inc
Attn: Legal Department
8 The Green #23155
Dover, DE 19901
United States

Clearnym Inc may send notice to the email address associated with your account or to any other contact information you provided.

You and Clearnym Inc agree to negotiate in good faith for sixty (60) days after notice is received. If the dispute is not resolved within that period, either party may initiate arbitration or, where permitted, file a claim in small claims court or another court permitted under this Section 14.

14.4 Starting Arbitration

Arbitration must be initiated within one (1) year after the Claim arises, including the sixty (60) day pre-dispute process, unless applicable law requires a longer period. Claims filed after this period will be barred to the fullest extent permitted by law.

A party may initiate arbitration by submitting a written demand to the American Arbitration Association (“AAA”) and providing notice to the other party. The arbitration will be administered by the AAA under its Consumer Arbitration Rules, except as modified by these Terms.

14.5 Location and Format

For claims of $500 or less, arbitration may proceed by telephone, video conference, or written submissions unless the arbitrator determines that an in-person hearing is required.

For all other claims, arbitration will take place in Delaware, by video conference, or in another location mutually agreed by you and Clearnym Inc, unless applicable law requires a different location.

14.6 Arbitrator Authority

Claims will be decided by a single arbitrator. The arbitrator will have authority to decide disputes about the interpretation, applicability, enforceability, or formation of this arbitration agreement, including whether a Claim is subject to arbitration.

The arbitrator may award only the relief that would be available in court and only in favor of the individual party seeking relief, except where applicable law requires otherwise.

14.7 Fees

Payment of filing, administrative, and arbitrator fees will be governed by the AAA Consumer Arbitration Rules, unless applicable law requires otherwise.

14.8 Governing Law and Award

The arbitrator will apply Delaware law, without regard to conflict of law principles, except where federal law or another applicable law controls. The arbitrator’s award will be final and binding and may be confirmed by any court with jurisdiction.

14.9 Survival and Severability

This arbitration agreement survives termination of your account, cancellation of your subscription, termination of these Terms, bankruptcy, assignment, or any other end of your relationship with Clearnym Inc.

If the class action waiver is found unenforceable with respect to a Claim, then the arbitration requirement for that Claim will be void and the Claim may proceed in court. If any other part of this Section 14 is found invalid or unenforceable, the remaining parts will continue to apply to the fullest extent permitted by law.

14.10 Amendments

Clearnym Inc may amend this arbitration provision by updating these Terms. Your continued use of the Website or Services after the updated Terms are posted constitutes acceptance of the amended arbitration provision, except where applicable law requires otherwise.

14.11 Opt-Out

You may opt out of this arbitration provision within thirty (30) days after first purchasing, using, or attempting to use the Website or Services by sending a signed written notice to:

Clearnym Inc
Attn: Legal Department
8 The Green #23155
Dover, DE 19901
United States

Your opt-out notice must include your full name, the email address associated with your account, the product or service used, the date of first use or purchase, and a clear statement that you opt out of the arbitration provision.

If more than thirty (30) days have passed, you cannot opt out and must pursue Claims through arbitration as described in this Section 14, except where applicable law requires otherwise.

15. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy, incorporated herein by reference, explains how we collect, use, store, and protect your personal data. By using our Services, you expressly consent to such practices as described in the Privacy Policy and in Section 3.4 of these Terms.

Please note that we do not control or store personal information displayed on third-party People Search Sites, which host data appearing in our search results. We provide services to help you manage or remove personal data from such third parties, but do not guarantee the removal or accuracy of such data.

You may review the full Privacy Policy at Privacy Policy.

16. General

16.1 No Agency

Nothing in these Terms shall be construed to create any joint venture, partnership, employment, or agency relationship between you and Clearnym Inc. Neither party shall have authority to bind or obligate the other in any manner.

16.2 Government Use

These Terms do not constitute a government contract. If you are a government entity or are accessing or using the Services in a government capacity, please contact us at

before agreeing to these Terms.

16.3 Notices

Any notices or communications required or permitted under these Terms will be provided by us:

  • Via email to the address you provided during registration; or
  • By posting notices on the Website.

16.4 Consent to Electronic Communications

For the purposes of these Terms and any agreements between you and us, you consent to receive communications from us electronically, including via email. You agree that all agreements, notices, disclosures, and other communications that we provide electronically satisfy any legal requirements that such communications be in writing.

16.5 Assignment

You may not assign or transfer these Terms, or delegate any obligations hereunder, whether voluntarily, by operation of law, or otherwise, without our prior written consent. Any attempted assignment or delegation without such consent shall be void.

We may assign or transfer these Terms or our rights and obligations hereunder without your consent.

16.6 No Waiver

Our failure or delay to enforce any right or remedy under these Terms or by law shall not constitute a waiver of such right or remedy.

16.7 Severability and Entire Agreement

These Terms constitute the entire agreement between you and Clearnym Inc regarding your use of the Website and Services and supersede all prior agreements, oral or written.

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified or severed to the minimum extent necessary to make it enforceable, and the remaining provisions will remain fully effective.

16.8 Communications

We may contact you by email or other means to:

  • Verify compliance with these Terms,
  • Send you important service-related messages or updates,
  • Request feedback on our Services,
  • Send you occasional promotional or marketing communications.

You may opt-out of promotional communications as described in our Privacy Policy; however, service-related messages may still be sent as necessary.