Terms of Use & Privacy Policy

These Terms are a binding agreement between you and the operator of Customer Accountability Network (the “operator,” “we,” “us” or “our”) governing your account and use of this early-access service. By affirmatively accepting these Terms, you agree to them. If you accept for a business, you represent that you are authorized to bind that business, and “you” includes that business. Do not create an account or submit reports if you do not agree. You must be legally able to enter this agreement and comply with applicable law.

The Privacy Policy below explains our handling of personal information. Early access means the service may change or be interrupted; it does not suspend these Terms or your statutory rights.

The service is a private record-keeping system for real business interactions, customer responses and operator review. It is not offered or operated as a consumer reporting agency. Records are not offered as consumer reports, are not published, and must not be used as consumer reports. This statement does not override any legal classification that applicable law may impose.

Records are private by default. Nothing is shared between businesses. A record is accessible only to authorized members of the reporting business, the customer concerned through a confirmed-email match (excluding drafts and suppressed records), and authorized reviewers/admins. There are no public customer profiles or public record searches. Reporting does not establish that an allegation is true or that a customer has committed wrongdoing.

Provide accurate account and business details, safeguard your sign-in credentials, and limit team access to people authorized to work with these records. The business is responsible for its team’s use of the service and for having a lawful basis and any required permissions to provide customer information and evidence. Business registration is subject to operator review; verification is not an endorsement of any report. Notify us of suspected unauthorized access.

By submitting each report, the business certifies and warrants that the report is truthful, factual, based on a real business interaction, and supported by evidence where possible. Reports must be evidence-based; do not fabricate allegations or evidence or present opinion or speculation as established fact. Preserve relevant evidence and cooperate with review. The business is solely responsible for the content, accuracy, lawfulness and consequences of its reports, supporting files and replies.

You retain any rights you have in your submissions. You grant us a nonexclusive permission to store, process and display them only as needed to operate this private service, conduct review, meet legal obligations and maintain its integrity. This permission does not authorize cross-business sharing or public publication.

You must not use records, alone or combined with other information, to make or support eligibility decisions covered by the Fair Credit Reporting Act, including credit, employment, tenancy/housing or insurance decisions. Do not obtain records for those purposes, resell them, furnish them as consumer reports, or use this service to evade consumer-reporting obligations.

Also prohibited: scraping, bulk extraction or unauthorized automated collection; bypassing access controls; sharing records with other businesses; publishing customer records; harassment, intimidation, threats or doxxing; retaliation; reports arising from personal disputes rather than real business interactions; and reports based on protected characteristics, including race, color, religion, national origin, sex, disability, age or any other status protected by applicable law. Do not submit discriminatory, knowingly false, misleading, unlawfully obtained or unlawful content, malicious files, or information unrelated to the interaction. Do not misuse another person’s identity or access another customer’s records.

Customers can access records about them using an account whose confirmed email matches the email on the record; name or phone alone does not provide access. Customers can respond, dispute a record, request correction or removal, upload supporting evidence, make privacy requests and download their available data. Customers never pay for these rights. If email matching prevents access, contact us for assistance; we may request information needed to verify the request without disclosing another person’s data.

A dispute, correction request or removal request flags an eligible record as disputed while review is pending; a response alone does not change the record’s status. The reporting business can reply but cannot resolve the dispute. Review is performed separately by the operator’s authorized reviewers/admins, not decided by the reporting business. They consider the customer’s submission, the business’s reply and available evidence, and can record an outcome marking the record corrected, suppressed or retained with a resolution note. Marking a record corrected documents the outcome and does not automatically rewrite the original report text. This is operator-administered review, not external arbitration or a guaranteed independent third-party investigation. No particular outcome or review deadline is guaranteed.

The operator may remove a record from customer view through suppression, restrict use, or suspend a business at its discretion, including for suspected abuse, prohibited reports, legal risk or failure to cooperate. Suppression is not deletion: authorized business members and admins can still access the retained record. The current customer interface does not show drafts or suppressed records. Contact us with continuing access, correction or deletion requests.

To the extent permitted by law, each business will defend, indemnify and hold harmless the operator and its personnel from third-party claims, liabilities, judgments, damages, penalties and reasonable legal costs arising from that business’s reports, evidence, replies, unlawful handling of personal information, breach of these Terms, or misuse of the service by the business or its team. This obligation does not apply to losses caused by the operator’s own unlawful conduct to the extent indemnification is prohibited by law.

We will give reasonably prompt notice of a claim and reasonable cooperation at the business’s expense. The business may control the defense using qualified counsel reasonably acceptable to us, but may not agree to a settlement imposing obligations on us or admitting fault on our behalf without our written consent. We may participate with our own counsel at our expense. This business obligation does not apply to customers exercising their rights in good faith.

To the fullest extent permitted by law, the early-access service is provided “as is” and “as available,” without express or implied warranties, including merchantability, fitness for a particular purpose, noninfringement, accuracy or uninterrupted availability. We do not warrant the truth or completeness of reports, that verification confirms a report’s accuracy, that review will discover all errors, or that the service will be error-free or completely secure. Nothing excludes warranties or rights that cannot legally be excluded.

To the fullest extent permitted by law, the operator is not liable for indirect, incidental, special, consequential, exemplary or punitive damages, or loss of profits, opportunities, goodwill or data arising from the service or these Terms, even if advised of their possibility. The operator’s total liability for all claims arising from the service or these Terms is limited to the greater of US $100 or the amount you paid the operator for the service during the twelve months before the event giving rise to the claim.

These limits do not apply to liability that cannot be limited by law, including applicable liability for fraud, willful misconduct or gross negligence. They do not require customers to pay to exercise their rights or waive nonwaivable privacy or consumer-protection rights.

You may stop using the service and request account closure by contacting us. We may suspend access or terminate use for breach, misuse, security or legal reasons, or discontinuation of early access. Business suspension currently disables new reports; it does not automatically erase existing records. Account closure and deletion requests require operator handling, not an automatic in-app closure or purge. Retention, disputes and legal holds are handled as described below.

Clauses that by their nature must continue survive termination, including responsibility for prior submissions, indemnification, liability limits, governing law and legally necessary retention. Ending business access does not make customer rights chargeable.

Washington State law governs these Terms, without its conflict-of-law rules, subject to mandatory laws and rights applicable to you. Unless applicable law requires otherwise, disputes about these Terms may be brought in courts of competent jurisdiction in Washington State. These Terms do not impose mandatory arbitration or waive any nonwaivable right to bring a claim.

If a provision is unenforceable, the remaining provisions remain effective to the extent lawful. Failure to enforce a provision is not a waiver. These Terms are the agreement governing use of this early-access service and do not override statutory rights.

We may update these Terms with notice by posting the revised version and effective date on this page; material changes will also be announced prominently in the service before they take effect, except when an immediate change is required for law or security. We may request renewed affirmative acceptance. If you disagree, stop using the service and contact us about closure. An update will not retroactively authorize prohibited use or cross-business sharing.

For questions, notices, account closure or rights requests, email privacy@customeraccountability.network.