Anti-Fraud Policy

1. Introduction

SpicyGen AI ("we," "our," or "us") is committed to maintaining a secure and trustworthy platform. This Anti-Fraud Policy describes the measures we take to detect and prevent fraudulent activity, and the consequences for users who engage in fraud. By using our Service, you agree to comply with this policy.

2. What Constitutes Fraud

The following activities are considered fraudulent and are strictly prohibited:

2.1 Payment Fraud

• Using stolen, cloned, or unauthorised payment methods to purchase credits.
• Initiating chargebacks or payment disputes after receiving and using credits without first contacting our support team.
• Exploiting payment processor errors or system bugs to obtain credits without payment.
• Using prepaid or virtual cards specifically to avoid traceability or dispute resolution.

2.2 Account Fraud

• Creating multiple accounts to abuse promotional offers, free credits, or trial features.
• Sharing account credentials with third parties to circumvent per-account limits.
• Using automated scripts, bots, or tools to create accounts or generate content at scale beyond normal use.
• Impersonating another user or providing false identity information during registration or verification.

2.3 Content and System Abuse

• Attempting to manipulate, reverse-engineer, or circumvent our AI moderation systems.
• Deliberately uploading content designed to test or probe the limits of our safety filters.
• Reselling, redistributing, or commercialising access to our Service or generated outputs without authorisation.

3. How We Detect Fraud

We use a combination of automated systems and manual review processes to detect fraud, including but not limited to:

• Device fingerprinting and IP analysis to identify suspicious account patterns.
• Payment velocity checks to flag unusual purchasing behaviour.
• Integration with payment processors' fraud detection tools.
• Monitoring for duplicate or linked accounts sharing payment methods, devices, or IP addresses.
• Review of chargeback rates and dispute patterns.

We do not disclose the specific parameters of our fraud detection systems in order to maintain their effectiveness.

4. Consequences of Fraudulent Activity

If we determine that your account has been involved in fraudulent activity, we may take one or more of the following actions:

• Immediate suspension or permanent termination of your account(s).
• Forfeiture of any credits or content associated with the fraudulent activity.
• Recovery of funds owed, including via debt collection if necessary.
• Reporting to relevant law enforcement authorities, payment networks, and fraud databases.
• Legal action to recover losses including costs, damages, and legal fees.

5. Chargebacks and Payment Disputes

Filing a chargeback or payment dispute without first contacting us is considered a violation of our Terms of Service and may be treated as fraudulent activity. We maintain detailed transaction and usage logs and will contest all illegitimate chargebacks with evidence.

If you have a legitimate billing concern, please contact us first at support@spicygen.ai. We are committed to resolving genuine issues quickly. See our Refund Policy for more details.

6. Reporting Fraud

If you suspect fraudulent activity on your account (e.g., unauthorised purchases or logins), please contact us immediately:

• Email: support@spicygen.ai

We will investigate all reports promptly and take appropriate action. We will never ask for your password or full payment card details via email.

7. Data Retention for Fraud Prevention

We retain transaction records, device data, and account activity logs for fraud prevention purposes in accordance with our Privacy Policy. This data may be shared with payment processors, fraud prevention services, and law enforcement where required by law or legitimate interest.

8. Changes to This Policy

We may update this Anti-Fraud Policy from time to time. Material updates will be communicated via email or a platform notice. Continued use of the Service after changes are posted constitutes acceptance of the updated policy.

9. Contact

For any questions about this policy, please contact: support@spicygen.ai