General Disclaimer

CheckRay is not a law firm, financial institution, medical provider, or any type of licensed professional services firm. Nothing on this platform, including AI-generated analysis, risk scores, red flags, suggested next steps, or reply language, constitutes legal advice, financial advice, investment advice, medical advice, or any other form of professional advice.

CheckRay does not create an attorney-client relationship, financial advisor relationship, doctor-patient relationship, or any other professional relationship of any kind.

If you need legal, financial, medical, or other professional help, please consult a qualified professional. Do not rely on CheckRay as a substitute.

AI and automated analysis can be wrong. CheckRay does not guarantee that any result, risk score, red flag, or suggested action is accurate, complete, current, or appropriate for your specific situation.

CheckRay does NOT guarantee that any message, link, job listing, bill, fee, collection notice, rental listing, or other document is:

• Safe or unsafe
• Legitimate or fraudulent
• Enforceable or unenforceable
• Accurate or inaccurate
• Payable or not payable
• From a real person or organization

You are solely responsible for your own decisions and actions. CheckRay provides informational starting points. You must independently verify important information with official sources, qualified professionals, employers, banks, insurers, landlords, government agencies, attorneys, doctors, or other appropriate experts before acting.

Do not use CheckRay as your only source of truth.

In emergencies, imminent threats, identity theft, fraud loss, legal deadlines, medical issues, or financial harm: contact the relevant professional, institution, or authority immediately. Do not wait for AI analysis.

• Medical emergency: call 911 or your local emergency number
• Immediate physical danger: call 911
• Identity theft or financial fraud: contact your bank and the FTC immediately
• Legal deadlines (lawsuits, eviction notices, debt collection): consult an attorney now
• Suspected phishing / account compromise: change your passwords immediately

CheckRay uses probabilistic language throughout the app: “possible red flags,” “risk signals,” “appears suspicious,” “may be risky,” and “recommended next steps.” This language is intentional. It reflects the probabilistic nature of AI analysis and is not a definitive statement of fact.

To the fullest extent permitted by law, CheckRay and its affiliates, officers, directors, and employees shall not be liable for any loss, damage, or harm of any kind arising from your use of the service or reliance on any result, including but not limited to financial loss, identity theft, legal consequences, or physical harm.

⚠️ [LAWYER REVIEW: confirm limitation of liability language and jurisdictional enforceability.]

CheckRay does not endorse, recommend, or validate any person, company, product, service, or course of action. References to official resources (FTC, banks, government agencies, etc.) are for informational convenience only and do not imply any affiliation or endorsement.