Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the Stud or Dud website, applications, and services (collectively, the “Service”) operated by Stud or Dud (“we,” “us,” or “our”). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old to use the Service. By creating an account or using the Service, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms.

2. Description of Service

Stud or Dud provides an AI-powered dating background check and evaluation platform that allows users to:

• Search publicly available records associated with individuals.
• Receive AI-generated reports including risk assessments and compatibility scores.
• Manage dating interactions through a private CRM.
• Rate and track individuals as part of personal dating decisions.

3. Important Disclaimers About Our Service

Not a Consumer Reporting Agency

Stud or Dud is not a consumer reporting agency as defined by the Fair Credit Reporting Act (“FCRA”), 15 U.S.C. § 1681 et seq. The Service does not provide “consumer reports” as defined by the FCRA.

Prohibited Uses

You may not use information obtained through the Service for:

• Employment screening or hiring decisions.
• Tenant or housing screening.
• Credit, insurance, or lending decisions.
• Any purpose requiring FCRA compliance.
• Stalking, harassment, or intimidation of any individual.
• Any illegal purpose.

Accuracy of Information

Information provided through the Service is sourced from publicly available records and may not be complete, accurate, or up to date. We do not guarantee the accuracy, completeness, or timeliness of any information. AI-generated analyses, scores, and narratives are for informational purposes only and should not be treated as definitive assessments of any individual.

4. Account Responsibilities

• You are responsible for maintaining the confidentiality of your account credentials.
• You are responsible for all activity that occurs under your account.
• You must provide accurate and complete information when creating an account.
• You must notify us immediately of any unauthorized use of your account.

5. Acceptable Use

You agree not to:

• Use the Service for any unlawful or prohibited purpose.
• Attempt to access, tamper with, or use non-public areas of the Service.
• Scrape, crawl, or use automated means to access the Service without permission.
• Impersonate any person or entity.
• Interfere with or disrupt the Service or its infrastructure.
• Circumvent any rate limiting, access controls, or security measures.
• Share your account credentials with others or allow others to access your account.
• Use the Service to build a competing product or service.

6. Subscriptions and Payments

• Certain features of the Service require a paid subscription or one-time purchase.
• Prices are listed on our website and may change with reasonable notice.
• Subscriptions auto-renew unless cancelled before the renewal date.
• Refunds are handled on a case-by-case basis. Contact support for refund requests.
• We reserve the right to modify or discontinue any pricing plan.

7. Intellectual Property

The Service, including all content, features, design, code, AI models, algorithms, and branding, is owned by Stud or Dud and protected by intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the Service without our prior written consent.

You retain ownership of any content you submit to the Service (e.g., notes, ratings). By submitting content, you grant us a limited license to use it solely for the purpose of providing the Service to you.

8. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY INFORMATION PROVIDED THROUGH THE SERVICE WILL BE ACCURATE OR COMPLETE.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STUD OR DUD AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

11. Indemnification

You agree to indemnify, defend, and hold harmless Stud or Dud and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorney’s fees) arising out of or related to your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

12. Termination

We may suspend or terminate your account at any time, with or without cause, with or without notice. Upon termination, your right to use the Service ceases immediately. You may delete your account at any time through the Service settings. Provisions that by their nature should survive termination shall survive, including Sections 3, 7, 9, 10, 11, and 13.

13. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any dispute arising from these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in any court of competent jurisdiction. You waive any right to participate in a class action lawsuit or class-wide arbitration.

14. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on this page and updating the “Last updated” date. Your continued use of the Service after changes are posted constitutes acceptance of the revised Terms.

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

16. Contact Us

If you have questions about these Terms, contact us at:

Stud or Dud
Email: legal@studordud.com