Terms of Service
PaySentinel ("we," "us," or "our") is operated as an unregistered sole proprietorship doing business under the name PaySentinel, based in Ohio, United States. You can reach us at hello@paysentinelhq.com.
By using paysentinelhq.com or the PaySentinel application, you agree to these Terms of Service ("Terms"). If you don't agree, don't use the Service.
1. Acceptance of Terms
By accessing or using PaySentinel, you agree to be bound by these Terms and by our Privacy Policy. We may update these Terms from time to time; continued use of the Service after changes take effect means you accept the updated Terms.
2. What PaySentinel Is
PaySentinel checks vendors, invoices, routing numbers, emails, and payment instructions for signals commonly associated with payment fraud, and returns a risk assessment intended to support your own review before you send a payment.
3. Eligibility
You must be at least 18 years old and able to form a binding contract to use PaySentinel. The Free tier does not require an account.
4. Nature of the Service
The Service is designed to assist your judgment — not replace it. Risk scores, red flags, and recommended actions are generated automatically and may be incomplete, inaccurate, or inapplicable to your specific situation. You are solely responsible for any payment decisions you make.
5. Limited Database Verification
PaySentinel validates routing numbers using standard ABA checksum validation, plus a live lookup against a third-party bank routing registry to confirm the associated financial institution. Beyond this routing-number verification, PaySentinel does not perform live lookups against government databases, law enforcement records, credit bureaus, vendor registries, or business registration records. Results are otherwise based on pattern analysis of the information you provide, not verified external data sources. We do not guarantee that any vendor, routing number, email address, or payment instruction is fraudulent or legitimate.
6. Free Tier and Usage Limits
The free tier of PaySentinel includes 10 analysis checks per week. We reserve the right to change usage limits, pricing, and feature availability at any time with reasonable notice. Paid tiers, when available, will be governed by separate subscription terms.
7. Acceptable Use
You agree not to use the Service to:
- Submit false, fabricated, or misleading information with intent to generate false fraud reports
- Harass, defame, or make false claims about individuals or businesses
- Circumvent usage limits through automated means, bots, or scripts
- Attempt to reverse-engineer, scrape, or extract the underlying analysis logic
- Use the Service for any unlawful purpose under applicable law
8. Data and Privacy
Your case history, vendor memory, and investigation data are stored locally in your browser and are not transmitted to our servers. Payment details and information you submit for analysis are sent to Anthropic for processing. We are not designed to intentionally retain analysis submission contents after processing is complete; see our Privacy Policy for full detail on data handling and retention.
Our full data practices are described in our Privacy Policy, which is incorporated into these Terms by reference.
9. Intellectual Property
All content, design, code, and branding on PaySentinel is owned by or licensed to us. You may not copy, reproduce, or distribute any part of the Service without our written permission. You retain ownership of any data you submit to the Service.
10. Disclaimer of Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.
We make no representations or warranties regarding the accuracy, completeness, or reliability of any analysis result.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, PAYSENTINEL AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO FINANCIAL LOSSES RESULTING FROM PAYMENT FRAUD OR RELIANCE ON ANALYSIS RESULTS.
Our total liability to you for any claim arising from these Terms or your use of the Service shall not exceed the amount you paid us in the 12 months preceding the claim, or $100, whichever is greater.
12. Indemnification
You agree to indemnify and hold harmless PaySentinel and its operators from any claims, losses, damages, or expenses (including reasonable legal fees) arising from your use of the Service, your violation of these Terms, or your violation of any third party's rights.
13. Governing Law
These Terms are governed by the laws of the State of Ohio, United States, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Ohio, and you consent to personal jurisdiction in those courts.
14. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
15. Contact
Questions about these Terms? Email us at hello@paysentinelhq.com.