Terms of Service

These are the terms you agree to by using Vilkax. They are the canonical contract — the in-app consent flow links to this exact text and stores a SHA-256 of it alongside your consent record so we can prove which version you agreed to, forever.

What Vilkax is

Vilkax is a digital-guardian service: AI-driven scam, phishing, and crypto-risk monitoring across the channels you opt to share with us (forwarded messages, registered wallets, device security telemetry).

What Vilkax is not

• A financial advisor.
• A lawyer.
• A replacement for emergency services. If your life or anyone else's is in immediate danger, call your local emergency number first.
• An insurance product. The optional Insurance add-on is governed by its own separate terms.

Acceptable use

• One person per account. No password sharing.
• Don't submit content you don't have the right to scan.
• Don't use Vilkax to attack, surveil, or harm anyone.
• Honour rate limits. Polite scrapers are tolerated; rude ones get blocked + ASN-banned.

Subscription, billing, refunds

• The Free tier (Pack) is free forever and not a trial.
• Paid tiers (Wolf, Alpha) bill monthly or yearly via Stripe.
• Upgrades take effect immediately and prorate. Downgrades take effect at the next renewal.
• Refund window: 14 days from initial paid sign-up if you haven't used a paid feature. After that, no prorated refunds — but you keep the tier through the end of the current period.
• You can cancel from inside the app in two taps. No win-back gauntlet.

Liability

Vilkax provides best-effort threat detection. No detection system is perfect; we may flag false positives and miss true positives. Vilkax is provided "as is" and "as available" without warranties of any kind. To the fullest extent permitted by law, our aggregate liability is capped at the amount you paid us in the 12 months preceding the claim.

Termination

You can terminate any time from inside the app. We may suspend or terminate accounts that violate the acceptable-use clauses above; you'll get notice unless the abuse is so active that notice would prolong the harm.

Governing law

These terms are governed by the laws of the jurisdiction Vilkax is incorporated in. Disputes are resolved in those courts. (Specific jurisdiction is announced in the in-app legal page once incorporation is finalised.)

Last updated: 2026-05-12 · Version v1