Disclaimer, Limitation of Liability & Data Use Notice

SecureRing · Effective: September 14, 2026 · Version 4.7

Operated by an individual doing business as SecureRing, located in California.

This Disclaimer, Limitation of Liability & Data Use Notice ("Notice") constitutes a legally binding agreement. Please read it carefully before using SecureRing.

By accessing or using SecureRing after being presented with this Notice, you acknowledge that you have read and understood it and agree to be bound by it. Where the application presents an affirmative acceptance mechanism, such as an "I Accept" button, your acceptance through that mechanism constitutes your agreement to this Notice.
SECURERING DOES NOT GUARANTEE SAFETY, PREVENT FRAUD, ESTABLISH A PERSON'S TRUE IDENTITY, DETECT ALL IMPERSONATION ATTEMPTS, OR PROVIDE EMERGENCY RESPONSE SERVICES.

SecureRing is a supplemental verification and safety aid. Verification results should not be treated as a guarantee that a person, communication, request, or transaction is legitimate or safe.

1. ACCEPTANCE OF TERMS

This Notice is a legally binding agreement between you ("User," "you," or "your") and the individual doing business as SecureRing ("SecureRing," "we," "us," or "operator").

Acceptance occurs upon the earliest of: (a) your affirmative acceptance through a mechanism presented by the application, such as tapping "I Accept" or an equivalent acknowledgment; or (b) your accessing or using any feature of the application.

Use by children under the age of 13 is prohibited. Use by minors aged 13–17 requires express parental or guardian consent.

If you use SecureRing on behalf of an entity, you represent that you have authority to accept this Notice on that entity's behalf, and the entity agrees to be bound by it.

2. NATURE OF SERVICE — NO GUARANTEE

SecureRing is a supplemental identity-verification aid only. It is not a fraud-prevention guarantee, security system, monitored protection service, or substitute for personal judgment.

SecureRing makes no representation or warranty, express or implied, that use of the application will prevent fraud, scams, financial loss, physical harm, emotional distress, identity theft, elder abuse, or any other harm.

SecureRing does not provide legal, financial, medical, security, law-enforcement, or emergency-response advice.

Cryptographic verification confirms only that a participating device possessed the corresponding private key associated with a verified Ed25519 keypair at the time of verification. It does not independently verify a person's legal identity, physical location, intentions, honesty, mental state, or authorization to act on behalf of another person or organization.

What SecureRing Verification Means

A successful SecureRing verification confirms only that the verification process was completed using a device and cryptographic key associated with the relevant SecureRing account or ring membership. Verification does not establish that the device has not been stolen, compromised, or used without authorization.

Where the application offers a user-initiated liveness challenge, such as the "Prove It" feature, the result is intended to provide an additional user-controlled verification signal. It is not an automated determination by SecureRing of a person's identity or authenticity and does not guarantee that the person appearing on a call is the person they claim to be.

Verification also does not establish that a communication, request, transaction, or other interaction is legitimate or safe.

Users should independently evaluate the circumstances and take appropriate precautions before providing personal information, transferring funds, sharing credentials, or taking other consequential actions.

Users are responsible for exercising independent judgment when using SecureRing and for decisions they make in reliance on communications, alerts, or verification results provided through or in connection with the application.

SecureRing is intended as a supplemental verification aid and should not be relied upon as the sole basis for decisions involving money, personal information, physical safety, or other consequential matters.

3. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SECURERING AND ITS OPERATOR, OFFICERS, AGENTS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS (COLLECTIVELY, "SECURERING PARTIES") SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES OF ANY KIND, INCLUDING LOSS OF FUNDS, DATA, PROFITS, GOODWILL, PERSONAL INJURY, OR EMOTIONAL DISTRESS, ARISING OUT OF OR RELATED TO YOUR USE OF, INABILITY TO USE, OR RELIANCE UPON THE APPLICATION, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF A REMEDY PROVIDED HEREIN FAILS OF ITS ESSENTIAL PURPOSE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE AGGREGATE LIABILITY OF THE SECURERING PARTIES ARISING OUT OF OR RELATING TO THE APPLICATION OR THIS NOTICE SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID TO SECURERING DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) FIFTY U.S. DOLLARS (US $50).

Nothing in this Notice excludes or limits liability for fraud or willful misconduct, for gross negligence causing personal injury, or for any other liability that cannot lawfully be excluded or limited under applicable law, including California Civil Code Section 1668.

These exclusions and limitations apply regardless of the form of action, including contract, tort (including negligence), strict liability, or statute, and survive termination of this Notice.

Where applicable law does not permit a particular exclusion or limitation, that exclusion or limitation shall apply only to the maximum extent permitted by law.

4. INDEMNIFICATION

To the extent permitted by applicable law, you agree to indemnify and hold harmless the SecureRing Parties from third-party claims, damages, liabilities, and reasonable expenses, including reasonable attorneys' fees, to the extent arising from:

This indemnification obligation does not apply to the extent a claim results from the negligence, willful misconduct, or other conduct of SecureRing that cannot lawfully be excluded or limited under applicable law.

This obligation survives termination of this Notice.

5. NO EMERGENCY SERVICES

SecureRing is not a monitored emergency-response service and does not contact law enforcement, emergency medical services, or any emergency responder on your behalf.

Any safety alert or circle-notification feature transmits notifications to designated circle members only and depends on recipient availability, device connectivity, and third-party notification infrastructure outside SecureRing's control.

SecureRing disclaims liability, to the maximum extent permitted by applicable law, for:

In an emergency, contact 911 or your local emergency services directly. Do not rely solely on SecureRing.

6. AI & VOICE CLONING RISKS

Advances in artificial intelligence, including voice synthesis, deepfake audio and video, and generative communications, may allow malicious actors to impersonate individuals convincingly.

SecureRing's verification technology confirms device-key possession only. It does not detect, analyze, or independently assess the authenticity of audio or video content during a call.

SecureRing makes no warranty that its features will detect AI-generated, synthetic, manipulated, or deepfake communications.

Users remain responsible for exercising independent judgment regardless of verification status.

To the maximum extent permitted by applicable law, SecureRing disclaims liability for harm arising from AI-generated, synthetic, manipulated, or deepfake communications received through or in connection with the application.

7. SERVICE AVAILABILITY & FORCE MAJEURE

The application is provided "AS IS" AND "AS AVAILABLE," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, or uninterrupted availability.

SecureRing does not warrant that the application will be error-free, secure, free from vulnerabilities, free from data loss, or free from unauthorized access.

Features that depend on third-party infrastructure, including video communications, push notifications, data storage, hosting, telecommunications, and other external services, may be affected by outages, interruptions, configuration changes, or other circumstances outside SecureRing's reasonable control.

SecureRing is not responsible for interruptions or failures caused by third-party services except to the extent responsibility cannot lawfully be excluded.

SecureRing is not liable for failure or delay in performance caused by events beyond its reasonable control, including acts of God, war, civil unrest, pandemic, government action, telecommunications failure, power outages, or cyberattacks.

8. DATA COLLECTION & PRIVACY

SecureRing collects only the personal data reasonably necessary to provide and operate the service.

SecureRing uses commercially reasonable technical and organizational measures designed to protect data in transit and at rest.

Data is retained only for as long as reasonably necessary to provide the service, fulfill the purposes described in this Notice, comply with legal obligations, resolve disputes, and enforce applicable agreements.

9. DATA WE DO NOT COLLECT

SecureRing does not collect, store, transmit, sell, or otherwise process the following:

If SecureRing becomes aware that a child under 13 has provided personal information, SecureRing will take reasonable steps to delete that information, subject to applicable law.

If you believe a child under 13 has used the application, contact support@secure-ring.com.

10. THIRD-PARTY SERVICE PROVIDERS

SecureRing uses third-party service providers to operate portions of the service. Depending on the feature being used, these providers may process information on SecureRing's behalf.

Current providers include:

SecureRing seeks to use service providers that maintain appropriate security and data-protection practices for the services they provide.

Third-party providers may have their own terms and privacy policies governing their independent processing activities.

Material changes to SecureRing's third-party service providers that materially affect the processing of personal information will be communicated through an appropriate notice, including in-app notification where appropriate.

11. YOUR DATA RIGHTS

Subject to applicable law, you may have rights to:

To exercise applicable rights, contact support@secure-ring.com.

SecureRing may require reasonable information to verify your identity before fulfilling a request and may retain information where required or permitted by law.

California Residents

California residents may have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act ("CCPA/CPRA"), including rights to know, delete, correct, and opt out of the sale or sharing of personal information, where applicable.

SecureRing does not sell personal information.

California residents may also have rights relating to the use and disclosure of sensitive personal information, as applicable, and the right not to receive discriminatory treatment for exercising applicable privacy rights.

To submit a verifiable consumer request, contact support@secure-ring.com.

EEA and UK Residents

Residents of the European Economic Area and United Kingdom may have rights under the GDPR and UK GDPR, respectively, including rights of access, rectification, erasure, portability, objection, and restriction of processing, subject to applicable limitations.

SecureRing does not use personal data for automated decision-making or profiling that produces legal or similarly significant effects.

12. DISPUTES, ARBITRATION & WAIVERS

Informal Resolution First

Before initiating arbitration, you must first send a written Notice of Dispute to support@secure-ring.com describing the dispute, the relevant facts, and the relief you seek.

SecureRing will have thirty (30) days to attempt to resolve the dispute informally. Neither party may commence arbitration during this period.

Individual Arbitration

If the dispute is not resolved during the informal-resolution period, any dispute arising out of or relating to this Notice or the application shall be resolved by binding individual arbitration administered by JAMS under its applicable arbitration rules, except that either party may seek appropriate injunctive or equitable relief in a court of competent jurisdiction to prevent infringement of intellectual property rights or unauthorized disclosure of confidential information.

Class Action Waiver

To the maximum extent permitted by applicable law, you and SecureRing each waive any right to bring or participate in a class, collective, or representative action.

Disputes must be brought in the parties' individual capacities only.

Jury Trial Waiver

YOU AND SECURERING EACH IRREVOCABLY WAIVE ANY RIGHT TO A TRIAL BY JURY IN ANY ACTION ARISING OUT OF OR RELATING TO THIS NOTICE OR THE APPLICATION, TO THE FULLEST EXTENT PERMITTED BY LAW.

This Notice is governed by the laws of the State of California, without regard to conflict-of-law principles.

The seat of arbitration shall be Los Angeles, California, unless applicable law requires otherwise.

The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Nothing in this Section limits any non-waivable rights or remedies available under applicable California consumer-protection laws, including the California Consumers Legal Remedies Act and Unfair Competition Law.

13. APP STORE PLATFORM TERMS

This Notice is between you and SecureRing only and not Apple Inc. or Google LLC ("Platform Providers").

SecureRing, not the Platform Providers, is solely responsible for the application and its content.

Your license to use the application is limited to use on Apple- or Android-branded devices that you own or control, subject to the applicable Platform Provider's usage rules.

The Platform Providers have no obligation to provide maintenance or support for the application.

If the application fails to conform to an applicable warranty, you may notify the applicable Platform Provider, which may refund the applicable purchase price, if any. To the maximum extent permitted by applicable law, the Platform Providers have no further warranty obligation concerning the application.

The Platform Providers are not responsible for product claims, including claims that the application fails to satisfy legal or regulatory requirements, or for the investigation, defense, or settlement of third-party intellectual-property claims.

You represent that you are not located in a country subject to a U.S. government embargo and are not on any U.S. government list of prohibited or restricted parties.

The Platform Providers and their subsidiaries are intended third-party beneficiaries of this Notice and may enforce applicable provisions against you.

14. SUBSCRIPTIONS & AUTO-RENEWAL

Premium features may be offered on a subscription basis.

By purchasing a subscription, you authorize the applicable app store to charge your selected payment method on a recurring basis at the price disclosed at the time of purchase.

Subscriptions automatically renew for successive periods equal to the initial subscription term unless cancelled at least twenty-four (24) hours before the end of the current subscription period, or such other period as may be required by applicable law or the applicable app-store rules.

The applicable app store may charge your payment method within twenty-four (24) hours before the beginning of the next subscription period.

You may manage or cancel your subscription through your Apple ID account settings or Google Play account settings, as applicable.

SecureRing does not directly process subscription billing or payment-card information. Billing and refunds are handled through the applicable app store, subject to that store's policies and applicable law.

Except as required by applicable law or app-store policy, payments are non-refundable and no credit is provided for partially used subscription periods or unused features.

SecureRing may change subscription prices subject to applicable law and applicable app-store requirements. Where notice is required, SecureRing will provide notice before the change takes effect.

15. ASSUMPTION OF RISK & LIMITATION PERIOD

By using the application, you knowingly and voluntarily assume the risks associated with such use, including risks arising from reliance on caller verification, alerts and notifications, educational content, technical failures, security vulnerabilities, and unauthorized access to your account or device.

To the maximum extent permitted by applicable law, any claim arising out of or relating to use of the application or this Notice must be filed within one (1) year after the claim arose, or the claim is permanently barred.

Nothing in this Section limits a claim period that cannot lawfully be shortened.

16. SUSPENSION & TERMINATION

SecureRing may suspend, restrict, or terminate your access to the application, with or without notice, to the extent permitted by applicable law, including for violation of this Notice, suspected fraud or illegal activity, extended inactivity, security concerns, or requests from law-enforcement or government authorities.

Because SecureRing does not maintain centralized traditional user accounts for all aspects of the service, suspension or termination may be implemented by deleting or restricting ring memberships or member identifiers associated with your device or devices and/or by restricting API access associated with particular device identifiers or signatures.

These measures may prevent you from creating new rings or joining existing rings.

Upon termination, your right to use the application ceases immediately.

Provisions that by their nature should survive termination, including Sections 2, 3, 4, 5, 6, 11, 12, 15, and 16, survive termination or expiration of this Notice.

You may terminate your use of SecureRing at any time by uninstalling the application. Termination does not automatically entitle you to a refund of amounts already paid, subject to applicable law and app-store refund policies.

17. EXPORT CONTROL & SANCTIONS

The application may be subject to U.S. export-control laws, including the Export Administration Regulations (EAR).

You represent that:

You agree not to use, export, re-export, transfer, or otherwise make the application available in violation of applicable U.S. or international export-control or sanctions laws.

18. TRAINING CONTENT & LANGUAGE

Scam-training scenarios within the application are illustrative examples provided for educational purposes only.

They do not represent all scam types, fraud methods, or tactics and may not be updated in real time.

SecureRing makes no representation that completing any training scenario will prevent or reduce the likelihood of an individual becoming a victim of fraud.

Training content is not legal, financial, medical, security, or emergency-response advice.

To the maximum extent permitted by applicable law, SecureRing is not liable for harm arising from reliance on training content.

This Notice may be provided in English, Spanish, Korean, and Chinese for convenience.

In the event of a conflict between language versions, the English version controls.

By using the application, you consent to receive communications from SecureRing electronically, including in-app messages, push notifications, and email, and agree that such electronic communications satisfy applicable legal requirements for written notice to the extent permitted by law.

19. ACCESSIBILITY

SecureRing makes reasonable efforts to make the application accessible to users of varying abilities.

However, SecureRing does not warrant that the application satisfies any particular accessibility standard, including WCAG 2.1, Section 508, or any other accessibility guideline or requirement.

Users who require accessibility assistance or accommodations are encouraged to contact support@secure-ring.com.

20. AMENDMENTS & SEVERABILITY

SecureRing may amend this Notice from time to time.

Material amendments will be communicated through an in-app notification at least fourteen (14) days before the amendment becomes effective, unless a shorter period is permitted or required by applicable law.

Continued use of the application after the effective date of an amendment constitutes acceptance of the revised Notice, to the extent permitted by applicable law.

If any provision of this Notice is held invalid or unenforceable by a court or other authority of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall remain in full force and effect.

No waiver of any provision constitutes a continuing waiver of that provision or any other provision.

SecureRing may assign this Notice in connection with a merger, acquisition, reorganization, financing, or sale of assets without your consent, to the extent permitted by law.

You may not assign your rights or obligations under this Notice without SecureRing's prior written consent.

This Notice constitutes the entire agreement between you and SecureRing concerning its subject matter and supersedes all prior or contemporaneous agreements and understandings concerning that subject matter.

21. SCOPE OF LICENSE; COMMERCIAL USE; REVERSE ENGINEERING

The license granted under this Notice is limited to personal, non-commercial use.

You may not:

SecureRing is designed for personal family safety use.

While verification features may incidentally assist users in evaluating potential impersonation attempts, SecureRing is not a certified fraud-prevention, anti-money-laundering, transaction-verification, or financial-authorization service.

Businesses and organizations must not rely on SecureRing as the sole basis for financial approvals, wire transfers, invoice authorizations, contractual commitments, or other consequential commercial decisions without an applicable commercial agreement with SecureRing.

SecureRing does not maintain centralized traditional user accounts for all aspects of the service and therefore may not have a technical means to identify every commercial user or distinguish personal use from business use.

Commercial use in violation of this Notice constitutes a breach of the agreement.

SecureRing may restrict or terminate use that it reasonably believes violates these restrictions, including patterns involving excessive member counts, bulk invitations, high-frequency API requests, automated access, or other activity inconsistent with personal family use.

SecureRing does not represent that it can detect or prevent all unauthorized commercial use.

Organizations, including healthcare providers, financial institutions, insurers, senior-living communities, government agencies, and other institutions seeking to deploy SecureRing as part of a commercial program, white-label offering, or institutional service must contact support@secure-ring.com regarding a separate commercial license agreement.

ACCEPTANCE

By proceeding, you confirm all of the following: