Legal

Effective Date: Feb 10, 2026Last Updated: May 10, 2026
Privacy Policy
Terms of Service

1. ACCEPTANCE OF TERMS & ELIGIBILITY

1.1 Binding Agreement: By downloading, accessing, browsing, or utilizing the Scamrader mobile application, website, and associated fraud intelligence services (collectively, the “Service” or “App”), operated by Lattice Technologies Ltd ("Company", "we", "us", or "our"), you explicitly agree to be bound by these Terms of Service (the "Terms"). If you do not agree to these Terms, you must immediately cease all access and uninstall the App.

1.2 Age and Capacity: You affirm that you are at least eighteen (18) years of age and possess the legal capacity to enter into this binding contract under the laws of the Federal Republic of Nigeria.

2. SCOPE OF SERVICE & BANKING DISCLAIMER

Scamrader functions as an aggregate risk-intelligence matrix. To assist you in making informed, risk-mitigated financial decisions, the Service provides the following core capabilities:

2.1 Crowdsourced & Algorithmic Verification: Tools to query accounts, phone numbers, wallet addresses, and digital identities against our centralized repository of reported fraudulent activities.

2.2 Verified Reporting Engine: A secure mechanism for users to submit intelligence regarding attempted or executed financial scams.

2.3 Real-Time Risk Alerts: Push notifications and data telemetry signals identifying emerging fraud vectors within the ecosystem.

2.4 In-App Isolation: The ability to flag, block, and filter communications from suspected accounts strictly within the local parameters of the App.

2.5 Educational Repository: Access to proprietary insights, threat landscapes, and educational material designed to heighten digital safety awareness.

2.6 Banking Disclaimer: Scamrader is a software-as-a-service (SaaS) utility; it is not a commercial bank, financial switch, or payment service provider (PSP). We do not execute fiscal transactions, hold user deposits, or control external financial nodes.

3. DATA INTEGRITY & FALSE REPORTING STANDARD

To cultivate absolute trust among our user base, our reporting engine enforces strict legal and operational boundaries to prevent platform weaponization.

3.1 Accuracy Warranty: When submitting a scam report, you warrant and represent that all provided evidence, transaction screenshots, narrative descriptions, and account details are true, accurate, and submitted in good faith.

3.2 Prohibited Submission Behaviour: You are strictly prohibited from submitting reports that are malicious, fabricated, retaliatory, or designed to artificially blacklist or defame a legitimate individual or commercial entity

3.3 Legal Consequences of Bad-Faith Reporting: The submission of deliberately falsified fraud reports constitutes a material breach of these Terms. It may result in the immediate permanent revocation of your account, the forfeiture of any subscription fees, and the transmission of your user telemetry to law enforcement agencies under the Cybercrimes (Prohibition, Prevention, etc.) Act

4. ADVANCED VERIFICATION & MODERATION INDEMNITY

4.1 Independent Verification Loop: To maintain the pristine quality of our intelligence pool, Scamrader utilizes a proprietary cross-verification protocol. We reserve the right, but assume no statutory obligation, to review, moderate, audit, append, or expunge any user-generated scam report at our absolute discretion.

4.2 Algorithmic Adjustments: We reserve the right to deploy automated moderation systems to flag, downgrade, or filter out anomalous reporting behaviors without providing prior administrative notice to the submitting party.

5. INTELLECTUAL PROPERTY & DEEP FRAUD INTELLIGENCE

5.1 Proprietary Ownership: All software architectures, code bases, algorithmic models, data structures, user interface designs, the “Scamrader” and “Lattice Technologies Ltd” trademarks, and the aggregate compilation of scam intelligence reports (our collective "Threat Databases") are the exclusive proprietary property of the Company.

5.2 Usage License: The Company grants you a limited, non-exclusive, non-transferable, revocable license to utilize the App for personal or internal risk-assessment purposes. You shall not reverse-engineer, scrape, harvest, data-mine, or commercially exploit our database architectures without explicit, written authorization from our Board of Directors.

5.3 Telemetry and Threat Data License: By submitting a report or utilizing the Service, you grant the Company a perpetual, irrevocable, worldwide, royalty-free license to aggregate, anonymize, analyze, and sub-license all submitted data, device telemetry, metadata, and threat signals for the purpose of improving our fraud detection algorithms, expanding our Threat Databases, and sharing intelligence with security partners and law enforcement agency networks.

6. FINANCIAL TRANSITION & SUBSCRIPTION MANAGEMENT

6.1 Premium Access: Certain advanced features, enterprise API integrations, and deep-dive risk intelligence modules may require the activation of a paid tier.

6.2 Billing Mechanisms: Payment cycles operate via independent third-party merchant rails (including Apple App Store, Google Play Store, and regional gateways). By subscribing, you authorize automated recurrent billing configurations in alignment with the respective billing schedule selected.

6.3 Refund Polices: All premium fee allocations are non-refundable, subject to the statutory default policies enforced by your mobile operating system's platform operator.

7. THE RISK MITIGATION & LIABILITY MATRIX

This section governs the exact parameters of our legal risk profile. Please evaluate thoroughly.

7.1 Dynamic Threat Modeling: The insights provided by Scamrader constitute an analytical assessment of past and current threat indicators. Because bad actors continually evolve their methods, the Company does not guarantee, warrant, or represent that:
  1. An account or entity marked as "Safe" or displaying low-risk metrics is definitively free from fraudulent intent or future compromise.
  2. An account marked as "Risky" or displaying high-risk indicators is conclusively and legally guilty of a financial crime.

7.2 Ultimate User Autonomy: Scamrader is a decision-support system, not an active decision-maker. You assume full, unshared responsibility for your own financial activities, asset transfers, and digital engagements.

7.3 Limitation of Liability: To the maximum extent permitted under applicable Nigerian law, Lattice Technologies Ltd, its directors, employees, and software engineers shall not be held liable for any direct, indirect, incidental, punitive, or consequential financial losses, lost data, asset devaluations, or transaction vulnerabilities arising from your reliance on platform outputs or any third-party payment system failures.

8. ACCOUNT SUSPENSION, & ADMINISTRATIVE TERMINATION

8.1 Administrative Termination: The Company retains the unilateral authority to instantly suspend, freeze, or delete your account for a material breach of these Terms, unauthorized data harvesting, or actions that compromise the operational security of our platform.

8.2 Term Adaptations: We reserve the right to amend this text periodically to keep pace with changing regulations or new types of cyber fraud. Continued usage of the App following the digital publication of revised Terms establishes automatic acceptance of the modified framework.

9. NOTICE AND TAKEDOWN PROCEDURE

9.1 Intermediary Status: The User acknowledges and agrees that the Company operates as a neutral intermediary platform providing crowdsourced data and algorithmic risk insights. The Company does not actively generate user content or guarantee the definitive legal status of flagged entities.

9.2. Dispute Process: If any individual or commercial entity believes that their profile, account number, or digital identifier has been wrongfully, maliciously, or erroneously flagged on the Service, they may submit a formal "Dispute and Takedown Request" to the Company's designated legal desk via legal@scamrader.com.

9.3 Requirements for Submission: To be processed, the request must include:
  1. The exact identifier (account number, phone number, handle) in dispute.
  2. Clear documentary evidence refuting the fraud allegations (e.g., proof of transaction resolution, receipts, or official identification).
  3. A statement made under penalty of perjury that the information in the dispute notice is accurate

9.4. Administrative Timeline: Upon receipt of a valid request, the Company shall implement a temporary "Under Review" status on the disputed identifier within forty-eight (48) business hours while it conducts an internal administrative audit. The final determination to maintain, alter, or expunge the flag rests solely with the Company's moderation board.

10. USER INDEMNIFICATION & TECHNICAL GLITCH IMMUNITY

10.1. Scope of Indemnity: You agree to indemnify, defend, and hold harmless Lattice Technologies Ltd, its corporate affiliates, directors, officers, employees, and software development teams from and against any and all third-party claims, liabilities, damages, losses, costs, expenses, or legal fees (including reasonable attorney fees) arising from or relating to:
  1. Your misuse, manipulation, or unlawful deployment of the Service.
  2. Any false, malicious, bad-faith, or fabricated scam reports submitted by you to the platform.
  3. Your violation of these Terms of Service or any applicable statutory laws, including the Cybercrimes (Prohibition, Prevention, etc.) Act and the Nigeria Data Protection Act (NDPA).

10.2. Technical Glitch Immunity: The User acknowledges that the threat scores, flags, and risk assessments provided by the Service are generated via automated algorithmic matrices and crowdsourced data signals. The Company explicitly disclaims any liability for temporary, inadvertent database errors, algorithmic anomalies, or technical glitches that may result in the inaccurate categorization of an identifier. The User's sole and exclusive remedy for an erroneous flag is to submit an administrative review request under the Notice and Takedown Procedure.

11. CLASS ACTION WAIVER

11.1. Individual Dispute Resolution: You and the Company explicitly agree that any legal, administrative, or arbitral proceedings arising out of or in connection with these Terms or the use of the App shall be conducted solely on an individual basis and not as a class, collective, coordinated, consolidated, or representative action.

11.2. Waiver of Mass Claims: You completely waive any right to participate as a plaintiff, claimant, or class member in any class-wide litigation, class-wide arbitration, or private attorney general actions against Lattice Technologies Ltd or the Scamrader platform.

12. STATUTORY WARRANTY DISCLAIMER

12.1. Absolute Disclaimer: THE SCAMRADER SERVICE, INCLUDING ALL COMPILATIONS OF RISK DATA, THREAT INTELLIGENCE, AND APP ARCHITECTURES, IS PROVIDED TO THE USER ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS, IMPLIED, OR STATUTORY.

12.2. Specific Exclusions: TO THE MAXIMUM EXTENT PERMITTED BY NIGERIAN LAW, LATTICE TECHNOLOGIES LTD DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:
  1. ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
  2. ANY WARRANTY THAT THE APP WILL BE COMPLETELY ERROR-FREE, UNINTERRUPTED, FREE OF MALWARE, OR SECURE FROM CYBERATTACKS.
  3. ANY WARRANTY REGARDING THE ABSOLUTE ACCURACY, COMPLETENESS, RELIABILITY, OR CURRENTNESS OF THE SCAM THREAT DATA PROVIDED.

13. THIRD-PARTY PLATFORM OVERRIDE (APP STORE TERMS)

13.1. Platform Acknowledgement: You acknowledge that these Terms constitute a binding contract solely between you and Lattice Technologies Ltd, and not with Apple Inc. or Google LLC (collectively, "Platform Operators").

13.2. Operational Limits: Lattice Technologies Ltd is solely responsible for the App's infrastructure, maintenance, and data moderation. The Platform Operators assume no obligation to provide support, bug fixes, or hardware compatibility adjustments for the App. Any claims regarding billing processing, automated subscription renewals, or payment failures must be directed exclusively to the respective Platform Operator's billing desk.

13.3. Mobile App Store Terms Supremacy: In the event of any irreconcilable conflict between these Terms of Service and the standard mobile application distribution terms enforced by Apple Inc. (App Store Review Guidelines) or Google LLC (Google Play Developer Policies), the respective platform policies shall take absolute precedence to the extent of the conflict, without affecting the validity or enforceability of the remaining provisions of these Terms.

14. GOVERNING LAW, COMPLIANCE, AND ARBITRATION

14.1. Governing Law: These Terms of Service, their formation, construction, interpretation, and any non-contractual obligations or disputes arising out of or in connection with them or the use of the Service shall be governed by, and construed exclusively in accordance with, the laws of the Federal Republic of Nigeria.

14.2. Statutory and Regulatory Compliance:
  1. Data Protection: The Company and the User shall comply with all mandatory provisions of the Nigeria Data Protection Act (NDPA) and any subsidiary regulations issued by the Nigeria Data Protection Commission (NDPC). The collection, processing, and transmission of user telemetry and threat reports are strictly subject to the parameters outlined in the Scamrader Privacy Policy.
  2. Cybersecurity Standards: The User acknowledges that the Service is an anti-fraud platform operating under the legal framework of the Cybercrimes (Prohibition, Prevention, etc.) Act. Any unauthorized attempts to scrape, breach, reverse-engineer, or inject malicious scripts into the App's Threat Databases will be flagged as a cyber threat and escalated directly to the relevant regulatory authorities.

14.3. Dispute Resolution Tier 1 (Amicable Settlement): In the event of any controversy, claim, or dispute arising out of or relating to these Terms, including any question regarding their existence, validity, or termination, the Parties shall first attempt to resolve the matter through good-faith, informal administrative consultations. Such consultations shall commence upon one Party delivering a written Notice of Dispute to the other.

14.4. Dispute Resolution Tier 2 (Mediation): If the dispute is not settled amicably within thirty (30) business days from the delivery of the Notice of Dispute, either Party may submit the grievance to the Lagos Multi-Door Courthouse (LMDC) for mediation under the prevailing LMDC Mediation Guidelines.

14.5. Dispute Resolution Tier 3 (Binding Arbitration):
  1. If mediation fails to resolve the dispute within forty-five (45) business days of submission, the dispute shall be finally and conclusively settled by binding arbitration in accordance with the provisions of the Arbitration and Mediation Act of Nigeria.  
  2. The arbitral tribunal shall consist of a sole arbitrator jointly appointed by both Parties. Failing an agreement on the choice of an arbitrator within fourteen (14) days, the arbitrator shall be appointed by the Chairman of the Chartered Institute of Arbitrators (CIArb) Nigeria Branch.
  3. The seat and venue of the arbitration shall be Lagos State, Nigeria.
  4. The language to be used in the arbitral proceedings shall be English.
  5. The arbitral award shall be final, non-appealable, and binding upon both Parties, and judgment upon the award may be entered in any court having competent jurisdiction, subject to the Class Action Waiver set forth in these Terms.