Effective Date: October 20, 2025

THESE TERMS OF SERVICE ARE A LEGAL AGREEMENT BETWEEN THE SERVICE USER AND CLOAKED, INC. (CLOAKED INTERNATIONAL, INC. FOR USERS OUTSIDE THE US), AND GOVERNS YOUR USE OF THE SERVICES. CAREFULLY READ THIS AGREEMENT, THE CLOAKED PRIVACY POLICY, AND PRODUCT-SPECIFIC DISCLOSURES, ALL OF WHICH ARE PART OF AND GOVERNED BY THIS AGREEMENT.

BY USING OR ACCESSING THE SERVICES YOU ARE BOUND BY THIS AGREEMENT. IF YOU DO NOT AGREE, OR ARE BELOW THE AGE OF MAJORITY IN THE JURISDICTION YOU ARE LOCATED, YOU ARE NOT PERMITTED TO USE THE SERVICES.CLOAKED IS NOT LIABLE SERVICE USE, OR CONTENT VIEWED BY, MINOR CHILDREN, IN VIOLATION OF THIS AGREEMENT.

WE WILL USE THE FOLLOWING DEFINITIONS THROUGHOUT THE TERMS OF SERVICE:

“AGREEMENT” MEANS THE LEGAL AGREEMENT ENTITLED “TERMS OF SERVICE” ENTERED INTO BETWEEN CLOAKED AND USER AND INCLUDES THE CLOAKED PRIVACY POLICY AND PRODUCT-SPECIFIC DISCLOSURES.

“CLOAKED,” “WE,” “US” and “OUR” MEANS CLOAKED, INC., OR CLOAKED INTERNATIONAL, INC. (FOR USERS OUTSIDE THE US).

“USER,” “YOU” and “YOUR” MEANS THE PERSON USING THE SERVICES.

“SERVICE(S)” MEANS USE OF THE SITE, INCLUDING THE ASSOCIATED SITES, SERVICES, APPLICATIONS, FEATURES AND INFORMATION AVAILABLE ON THE SITE AND MOBILE APPLICATIONS WE OFFER.

“SITE” MEANS https://cloaked.com/ AND RELATED SUBDOMAINS.

“CLOAKED CARD” MEANS AND REFERS TO USE OF CLOAK PAY, LLC PRODUCTS AND SERVICES.

“PRIVACY POLICY” MEANS THE CLOAKED PRIVACY POLICY.



"YOUR INFORMATION” IS DEFINED AS INFORMATION YOU PROVIDED TO CLOAKED, OR PROVIDED CLOAKED ACCESS TO, INCLUDING INFORMATION RELATED TO: THE REGISTRATION OR TRANSACTION PROCESS, YOUR USER ACCOUNT, AND SERVICE-RELATED EMAIL OR FEATURE.

Changes to this agreement

Cloaked reserves the right to modify these terms, with a limited exception for certain Arbitration provisions. Cloaked will use reasonable efforts to provide notification of material changes by email, website posting, or in-service notice. Cloaked will determine what changes are material in its sole discretion. Visit this page to learn if terms have changed. Your continued use of the Service constitutes acceptance of changes.

Access to the Service

Cloaked grants to you a non-exclusive, non-transferable, revocable limited license to use the Service for your personal non-commercial use. You agree not to use the Service for any other purpose, or to download, save, copy or distribute content on the Service not owned by you.

Cloaked may change, modify, suspend, or discontinue Service(s) at any time. Cloaked may also impose limits on features, or restrict all or part of your access to Service(s) at any time, in our own discretion, without notice or liability.

Your use of the Service is conditioned upon compliance with this Agreement. Use of Cloaked Service(s) in violation of this Agreement may constitute infringement of Cloaked’s copyright. Cloaked reserves the right to terminate your access to the Service without notice if you violate this Agreement or for any reason, at Cloaked’s discretion. Cloaked or its vendors may require proof of identity to access or use the Service.You agree that you may be denied access if you refuse to provide proof of identity.

To access certain features and services, you may be required to pay a fee. We may change fees at any time.

Ownership of Intellectual Property

The Service and all associated materials are owned, controlled, or licensed by Cloaked and its licensors, and are protected from unauthorized use. The Service(s) are copyrighted under the U.S. copyright laws and/or similar laws of other jurisdictions. Cloaked, and the Cloaked logos, are trademarks of Cloaked, and may not be used without the express written permission.


You do not acquire ownership rights by using the Service, or by copying or downloading material from the Service.



You agree not to copy, redistribute, publish or otherwise exploit the Service without the express prior written permission of Cloaked.

You hereby grant to Cloaked a limited, non-exclusive, worldwide, perpetual, irrevocable, royal-free, sublicensable (through multiple tiers), and transferable right and license to use all comments, feedback, suggestions, ideas, emails, and other submissions disclosed or submitted to Cloaked in connection with your use of the Service (collectively, “Submissions”) in any manner Cloaked may desire, including, but not limited to, to make, have made, use, sell, offer to sell, import, reproduce, modify, create derivative versions of, distribute, publicly display and publicly perform the Submissions, in any and all forms and media now known or hereafter devised, without compensation to you and without identifying you as the creator. You agree that the provisions in this Section 3 will survive any termination of your account(s), the Service, or this Agreement.



You hereby waive and release any claims you may have against Cloaked for any damages, costs or liabilities you incur from Cloaked's use of Your Information, including but not limited to damages caused by any distortion, alteration, composite use, whether intentional or otherwise, that may occur in making, processing, duplicating, distributing or displaying Your Information.



You agree to include, and to not remove or alter, Cloaked’s trademark, copyright or other proprietary rights notices, as provided by Cloaked on or in connection with the Service, when using or sharing content, or otherwise using the Service, and you agree to comply with usage guidelines that may be provided by Cloaked from time to time. You agree that all goodwill that arises in connection with your use of Cloaked trademarks inures exclusively to Cloaked, and you agree not to challenge Cloaked’s ownership or control of Cloaked trademarks, nor use or adopt trademarks that might be confusingly similar to the Cloaked trademarks.

Terms for App Store Apps

If you accessed or downloaded the App from the Apple Store, you agree to use the App only: (1) on an Apple-branded product or device that runs iOS (Apple’s proprietary operating system software); and (2) as permitted by the “Usage Rules” set forth in the Apple Store Terms of Service as of the effective date of this Agreement. You further acknowledge and agree that:

This Agreement is between you and Cloaked, and not with App Provider, and that, as between Cloaked and the App Provider, Cloaked is solely responsible for the App.

The App Provider has no obligation to provide App maintenance and support services.

In the event of App failure to conform to applicable warranties, you may notify App Provider and App Provider will refund to you purchase price you paid for the App (if applicable) and, to the maximum extent permitted by applicable law, App Provider will have no other warranty obligation whatsoever with respect to the App. Other claims, losses, liabilities, damages, costs or expenses attributable to failure of the App to conform to warranty will be Cloaked’s responsibility.

App Provider is not responsible for addressing claims you or third party may have relating to the App, including, but not limited to: (1) product liability claims; (2) claim(s) that the App fails to conform to applicable legal or regulatory requirement; and (3) claims arising under consumer protection or similar legislation.

In the event of a third-party claim that the App infringes third party’s intellectual property rights, Cloaked will be responsible for the investigation and defense of such intellectual property infringement claim to the extent required by this Agreement.

App Provider and its subsidiaries are third-party beneficiaries of this Agreement as related to your license of the App, and, upon your acceptance of this Agreement, App Provider will have the right (and will be deemed to have accepted the right) to enforce this Agreement as related to your license.

You agree to comply with U.S. and foreign export laws and regulations to ensure that neither the App nor technical data related thereto is exported or re-exported directly or indirectly in violation of, or used for purposes prohibited by, the laws and regulations. By using the App you represent and warrant that: (1) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (2) you are not listed on any U.S. Government list of prohibited or restricted parties.

Cloaked Inbox Cleaner

Cloaked Email Scan

Cloaked Email Scan provides your elected ability to detect, scan, delete, and/or unsubscribe from certain email types and spam, based on your request. By agreeing to Email Scan you agree and consent to Cloaked having the ability to scan and review your emails for the purposes outlined, which may be an agreed upon variant from Cloaked current privacy policy. 13/08/2024 encrypted process for this purpose.

Use Cloaked Email Scan at your own risk. Cloaked assumes no responsibility in connection with removals for email(s) and/or list serves deleted through the process. Cloaked does not and will not assume any liability for your actions taken with Cloaked Email scan.

Information Related to Service

Cloaked is E2E encrypted, with a zero-knoweldge architecture. To the extent required, you grant Cloaked and those involved in the operation of the Service the right to transmit, monitor, retrieve, store, and use information recorded and/or stored in your account in order to appropriately operate the Service, including bug fixes.

Usage Rules

You agree to comply with application-, tool-, or content-specific rules published within the Service. You agree that you will not, related to the Service:
‍
(a) Copy, adapt, reverse engineer, decompile, reverse assemble, modify or attempt to discover software (source code or object code) that the Service creates to generate web pages or software or other products or processes accessible through the Service;
‍
(b) use or launch, develop or distribute automated systems, including, without limitation, spider, robot (or "bot"), cheat utility, scraper or offline reader that accesses the Service, or use or launch unauthorized script or other software;

(c) distribute virus, time bomb, trap door, Trojan horse, worm, malware, ransomware or harmful, or malicious computer code, mechanism, software, script, agent or program;

(d) obscure notices, legends, warnings, banners or advertisements on the Service;

(e) interfere with or circumvent security features of the Service or features that restrict or enforce limitations on use of or access to the Service;

(f) sell the Service or any part thereof;

(g) violate applicable law, including export laws;

(h) infringe or violate the rights of third-parties including intellectual property rights or rights of privacy or publicity;

(i) engage in conduct that is obscene, offensive, pornographic, fraudulent, deceptive, defamatory, threatening, harassing, abusive, slanderous, hateful, or causes embarrassment to any other person;

(j) further chain letters or pyramid schemes, transmit unsolicited messages, or engage in “spam;”

(k) deliberately mislead anyone as to your identity, impersonate another, falsely identify the source of any Submissions, or allow another person or entity to use your identity to access the Service or post or view Submissions;

(l) engage in conduct that conflicts with the spirit or intent of the Service, including without limitation, exposing Cloaked or another to any liability or detriment; or

(m) use automated queries, including screen and database scraping, spiders, robots, crawlers, information harvesting, and other automated activity with the purpose of obtaining information or data from the Service.

Cloaked may modify the usage rules at its discretion and will notify you as required by the Agreement.

Disclaimers; Limitations; Waivers of Liability

YOU EXPRESSLY AGREE THAT USE OF THE SERVICE IS AT YOUR SOLE RISK AND IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE (EXCEPT ONLY TO THE EXTENT THIS DISCLAIMER IS PROHIBITED UNDER APPLICABLE LAWS, AND WITH ANY LEGALLY REQUIRED WARRANTY PERIOD LIMITED TO THE SHORTER OF 30 DAYS FROM FIRST USE OR THE MINIMUM PERIOD REQUIRED BY APPLICABLE LAW). WITHOUT LIMITING THE FOREGOING, NEITHER CLOAKED NOR ITS AFFILIATES OR SUBSIDIARIES, OR ANY OF THEIR DIRECTORS, EMPLOYEES, AGENTS, ATTORNEYS, THIRD-PARTY CONTENT PROVIDERS, DISTRIBUTORS, LICENSEES OR LICENSORS (COLLECTIVELY, "CLOAKED PARTIES") WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, UNCORRUPTED, TIMELY, OR ERROR-FREE.

THE CLOAKED PARTIES FURTHER MAKE NO REPRESENTATIONS OR WARRANTIES THAT THE SERVICE OR THE PROXY-BASED OR ENCRYPTED IDENTIFIERS GENERATED BY THE SERVICE WILL BE ACCURATE, RELIABLE, COMPLETE, CURRENT, OR TIMELY. THE SERVICE MAY BE TEMPORARILY UNAVAILABLE FROM TIME TO TIME FOR MAINTENANCE OR OTHER REASONS. CLOAKED IS NOT RESPONSIBLE FOR TECHNICAL MALFUNCTIONS OR OTHER PROBLEMS OF INTERNET NETWORKS OR SERVICES, COMPUTER SYSTEMS, MOBILE PHONE EQUIPMENT, SOFTWARE, OR EMAIL, INCLUDING TECHNICAL PROBLEMS OR TRAFFIC CONGESTION ON THE INTERNET OR AT ANY SITE OR COMBINATION THEREOF, INCLUDING INJURY OR DAMAGE TO A USER'S OR TO ANY OTHER PERSON'S COMPUTER, MOBILE PHONE, OR OTHER HARDWARE OR SOFTWARE, RELATED TO OR RESULTING FROM USING OR DOWNLOADING MATERIALS IN CONNECTION WITH THE INTERNET AND/OR IN CONNECTION WITH THE SERVICE.

THE CLOAKED PARTIES DO NOT ENDORSE OR WARRANT ANY PRODUCT, SERVICE, OPINION, OR OTHER INFORMATION THAT MAY BE REFERENCED ON OR THROUGH THE SERVICE.  THE SERVICE HEREUNDER IS DESIGNED FOR INFORMATIONAL AND TRANSACTIONAL PURPOSES ONLY. THE CLOAKED PARTIES HAVE NO RESPONSIBILITY FOR OR INVOLVEMENT WITH ANY RELATIONSHIP THAT EXISTS OR COMES TO EXIST BETWEEN A USER OF THE SERVICE AND ANY THIRD PARTY (INCLUDING ANY THIRD PARTY WITH WHOM A USER MAY COMMUNICATE USING THE SERVICE).

THE CLOAKED PARTIES WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, PERSONAL INJURY/WRONGFUL DEATH, LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, THE USE OR MISUSE OF SUBMISSIONS IN ANY WAY WHATSOEVER ARISING OUT OF THE USE OF, OR INABILITY TO USE, THE SERVICE, WHETHER OR NOT THE CLOAKED PARTIES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN THE EVENT THAT THE FOREGOING EXCLUSION OF LIABILITY IS FOUND BY A COURT OF COMPETENT JURISDICTION TO BE UNENFORCEABLE, AND A DETERMINATION IS MADE THAT CLOAKED IS LIABLE, UNDER NO CIRCUMSTANCES WILL THE CLOAKED PARTIES BE LIABLE TO YOU FOR MORE THAN THE LESSER OF (A) THE AMOUNT YOU HAVE PAID CLOAKED IN THE 90 DAYS IMMEDIATELY PRECEDING THE DATE ON WHICH YOU FIRST ASSERT THE CLAIM OR (B) $100.

TO THE FULLEST EXTENT PERMITTED BY LAW, THESE DISCLAIMERS OF LIABILITY CONTAINED HEREIN APPLY TO ANY AND ALL DAMAGES OR INJURY WHATSOEVER CAUSED BY OR RELATED TO USE OF, OR INABILITY TO USE, THE SERVICE UNDER ANY CAUSE OR ACTION WHATSOEVER OF ANY JURISDICTION, INCLUDING, WITHOUT LIMITATION, ACTIONS FOR BREACH OF WARRANTY, BREACH OF CONTRACT OR TORT (INCLUDING NEGLIGENCE).

Release. You forever release, discharge, and covenant not to sue the Cloaked Parties from any and all liability, claims, actions, and expenses that may arise, whether caused by the negligence of the Cloaked Parties or otherwise, in connection with your use of the Service or your interaction with any party through or as a result of the Service. In other words, you cannot sue the Cloaked Parties if anything happens to you or your property from using the Service or interacting with any party through the Service.  You agree that the provisions in this Section 9 will survive any termination of your account(s), the Service, or this Agreement.

Governing Law/Waiver of Injunctive Relief/Dispute Resolution

This Agreement and all aspects of the Service will be governed by laws of the U.S. and the Commonwealth of Massachusetts, and contracts are entered into and performed in Massachusetts (thus, without regard to conflict of laws provisions) regardless of your location, except that the arbitration provision set forth in sections 14.4, 14.5, and 14.6 will be governed by the Federal Arbitration Act, 9 U.S.C. § 1, et seq. With respect to any disputes or claims not subject to informal dispute resolution or arbitration (as set forth below), you agree not to commence or prosecute any action in connection therewith other than in the state or federal courts located in Boston, Massachusetts, and you hereby consent to, and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to, venue and jurisdiction in the state and federal courts located in Boston, Massachusetts.

You acknowledge that the rights granted and obligations made hereunder to Cloaked are of a unique and irreplaceable nature, the loss of which will irreparably harm Cloaked and which cannot be replaced by monetary damages alone, so that Cloaked will be entitled to injunctive or other equitable relief (without the obligations of posting any bond or surety) in the event of any breach or anticipatory breach by you. You irrevocably waive all rights to seek injunctive or other equitable relief and agree to limit your claims to claims for monetary damages (if any).

To expedite resolution and control the cost of any dispute, controversy or claim related to this Agreement ("Dispute"), you and Cloaked agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least thirty (30) days before initiating any arbitration or court proceeding. The informal negotiations commence upon written notice from one person to the other. You will send your notice to Cloaked, Inc., 1075 Westford Street, Suite 305, Lowell, MA 01851 USA. In this Agreement, the term “Dispute” is to have the broadest possible meaning.

Arbitration. If you and Cloaked are unable to resolve a Dispute through informal negotiations within 30 days, either you or Cloaked may elect to have the Dispute (except those Disputes expressly excluded below) finally and exclusively resolved by binding arbitration. Either party may elect arbitration at any time, including after a lawsuit is filed.  Any election to arbitrate by one party will be final and binding on the other. YOU UNDERSTAND THAT ABSENT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. BY AGREEING TO THESE TERMS, YOU ARE WAIVING YOUR RIGHT TO HAVE JURIES RESOLVE DISPUTES, TO HAVE COURTS (OTHER THAN SMALL CLAIMS COURTS) SOLVE DISPUTES, TO SERVE AS A PRIVATE ATTORNEY GENERAL OR IN A REPRESENTATIVE CAPACITY, AND TO PARTICIPATE IN A CLASS ACTION LAWSUIT. The arbitration will be commenced and conducted under the Streamlined Arbitration Rules and Procedures (the “Rules”) of JAMS, which is available at the JAMS website www.jamsadr.com. The determination of whether a Dispute is subject to arbitration will be governed by the Federal Arbitration Act and determined by a court rather than an arbitrator. Your arbitration fees and your share of arbitrator compensation will be governed by the Rules. The arbitration may be conducted in person, through the submission of documents, by phone or online. Any in-person hearing will be conducted at a location that is reasonably convenient to you. The arbitrator will make a decision in writing but need not provide a statement of reasons unless requested by a party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so.

Notwithstanding the above, you and Cloaked agree that arbitration will be limited to the Dispute between Cloaked and you individually. To the full extent permitted by law, (a) no arbitration will be joined with any other; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.  If a claim seeks public injunctive relief and a court determines that this arbitration provision’s restrictions on serving in a representative capacity or on behalf of the general public are unenforceable with respect to such claim, then after all appeals have been exhausted the claim for public injunctive relief will be determined in court. All individual claims seeking monetary relief will be arbitrated. The parties agree to stay claims for public injunctive relief until the arbitration award pertaining to individual relief has been entered in court. The parties agree that class claims and claims for public injunctive relief will not be arbitrated.

You and Cloaked agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (a) Disputes seeking to enforce or protect, or concerning the validity of, your or Cloaked’s intellectual property rights; (b) Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy or unauthorized use; (c) compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate or enter judgment on the award entered by the arbitrator; and (d) claim brought on an individual basis in a state court of limited jurisdiction that does not have authority to hear class action litigation (“Small Claims Court”).

Term and Termination

This Agreement will remain in effect as long as your account is up-to-date and you remain in compliance with the Agreement, unless it has been voluntarily suspended or terminated by you or Cloaked. The privileges granted to you under this Agreement will terminate immediately and automatically without notice from Cloaked if, in our sole discretion, you fail to comply with any term or provision of this Agreement or for any reason. Following the termination of this Agreement, your account(s), or the Service, Cloaked will retain all rights to the Submissions under this Agreement.

Money Back/Returns Terms and Conditions

In the event an Account is purchased or used for fraudulent use, spam, bot activity, or other actions in contravention of Cloaked’s Terms of Use and Prohibited Use Policy, utilizes a VPN from ex-US/Canada jurisdictions in an attempt to subvert Cloaked-available geography limitations, or extensively utilizes the services (defined as 50+ Cloaked identities created in a 30 day period) your account does not qualify for a refund or exchange.

Consent to Receive Text Messages

By agreeing to receive text messages, whether via performing the risk scan or through other means via Cloaked, you verify that the mobile number provided to Cloaked is true and accurate and that you are the current subscriber or owner of any telephone number that you provide. By voluntarily providing your telephone number(s) and opting in to receiving text messages, you expressly agree to receive one-time and/or recurring automated text messages (such as SMS, MMS, or successor protocols or technologies) from Cloaked and understand that consent is not required to make any purchase. Message and data rates may apply and the frequency of messages varies. Your consent to receive automated texts is completely voluntary. You may opt-out at any time by replying STOP or receive support by replying HELP to any mobile message from us. You acknowledge and agree to accept a final text message confirming your opt-out. We may use different numbers for different messaging purposes, so texting STOP to one number will not effectuate a stop request for all text messaging programs to which you are subscribed. If you would like to stop messages from multiple numbers, text STOP to each number to which you would like to unsubscribe. You agree to indemnify, defend, and hold harmless Cloaked for any claims, losses, liability, costs and expenses (including reasonable attorneys’ fees) arising from any privacy, tort or other claims, including claims under the Federal Telephone Consumer Protection Act or any state law equivalents, including claims relating to your voluntary provision of a telephone number that is not owned by you. You can contact us via our support team at [email protected].

Cloaked Call Guard AI

Cloaked Call Guard AI enables you to use artificial intelligence (AI) to converse, guard, and block nuisance calls (robocalls, telemarketers, pig butchers), by forwarding unknown callers to AI, to designate (block vs. permit) specific numbers, and, upon your election, to also block SMS spam messages. Through Cloaked Call Guard AI, any caller which is not on your contact list, or is not clearly identified as spam, will be screened by AI, including requiring the caller’s name and purpose for the call, which may be made available for your review. You are responsible for charges imposed by your mobile service provider for using the call forwarding feature, local or long distance usage, and text message and data usage. Activating the call blocking/forwarding feature means that certain incoming calls are forwarded to identify and block spam, or divert back to your back to you if deemed legitimate. Cloaked Call Guard AI is “as is” and may still permit certain calls, which you ultimately deem to be spam, from being diverted back to you.

You agree to check the numbers and messages from blocked calls on your Device regularly to ensure that you permit (and save) legitimate phone numbers so that it will not be blocked or hit with Cloaked Guard AI in the future. Cloaked Call Guard AI will require access to saved numbers in your current address book. If you choose to enable Cloaked Call Guard AI, unknown callers will hear a default recording and may transcribe that recording. Please note that if you activate Cloaked Call Guard AI, conversations with an unknown caller may be recorded and transcribed.

Cloaked Call Guard AI will categorize the call based on the response to queries made, and may deem a specific caller as spam inadvertently. You assume the risk associated with the designation made by Cloaked Call Guard AI, if such an individual is not placed in your address book or an associated whitelist. If Cloaked Call Guard AI determines the call as non-spam, and verified, it will transfer the call to you. If Cloaked Call Guard AI categorizes the call as spam, it will either hang-up or request the caller leave a voicemail, which will be recorded and saved.

In the future iteration of Cloaked Call Guard AI, you may elect for us to listen and review your conversations with unknown callers. If you choose to activate this feature, we will alert you to potential spam based on the caller discussion. Upon activation of this feature, you agree that any conversation with any unknown caller will be recorded and transcribed.

Depending on the state you are located, you may require consent of the other parties on the call prior to recording any conversation or to use Cloaked Call Guard AI. You agree that as the individual directing the recording and review, you are solely responsible for reviewing the requirements of that state, prior to using the service in that state.

Payment

Use of the Service may require payment(s) (“Charges”).  Cloaked will process payment using the preferred payment method designated.  Charges will be inclusive of applicable taxes where required by law. Charges paid by you are final and non-refundable, unless otherwise determined by Cloaked. Questions about charges should be addressed to [email protected].

We reserve the right to establish, remove and/or revise Charges for Service(s) at any time in our sole discretion, by posting or otherwise delivering notice to you. Use of the Service after new or revised Charges will be deemed your acceptance of new or revised Charges.

Cloaked may provide promotional offers and discounts that may result in different Charges for the same or similar Service. You agree that the promotional offers and discounts, will have no bearing on your use of the Service or the Charges applied to you.

To the extent permitted by applicable law, with respect to paid Service subscription, you agree and acknowledge that you are not entitled to any refund for amounts which were pre-paid on behalf of your account prior to termination of your account. Although under certain circumstances, users located in the European Economic Area may have a right to cancel pre-paid account subscriptions within 14 days of signing up for, upgrading to or renewing a Service account, by accessing your Service account, you acknowledge that PERFORMANCE OF THIS AGREEMENT HAS BEGUN UPON ACCESSING YOUR ACCOUNT AND YOU THEREBY LOSE YOUR RIGHT OF WITHDRAWAL UNDER APPLICABLE LAW, INCLUDING APPLICABLE EUROPEAN UNION LAW, IN RESPECT OF THE PURCHASE OF DIGITAL CONTENT HEREUNDER, AND YOU THEREBY WAIVE RIGHTS YOU MAY HAVE TO A REFUND OF AMOUNTS WHICH WERE PRE-PAID ON BEHALF OF YOUR ACCOUNT PRIOR TO TERMINATION OF YOUR ACCOUNT. If you voluntarily cancel your paid Service subscription, the termination of your account will not occur until the end of the subscription period for which you have paid, and you will be able to continue using your account until such time.