Terms and Conditions

These Terms and Conditions (“Terms”) govern your use of the Website at https://frogo.ai/ (“Frogo Site” or “Site”), use of our services, resources, content, and tools designed to help detect, report, and prevent fraud and your relationship with FROGO LTD, with its registered in Limassol, Cyprus, address: Agiou Andreou, 102, SAINT ANDREWS CENTER, 5th floor, Flat/Office 1, 3036, Limassol. FROGO LTD is registered with the Cyprus Companies Registry under number: HE468335 (“Frogo”, “we” or “us”). FROGO LTD is certified by Swiss Approval North America ISO/IEC 27001:2022 for development, testing, technical support and sales activities related to the SaaS Antifraud platform (Frogo)

Please read these Terms and Conditions carefully as they may affect your rights and obligations under the law. If you do not agree to these Terms and Conditions, please do not use the Frogo Site. If you have any questions on the Terms and Conditions, please contact us.

Frogo provides services designed to:

• Detect, report, alert and analyze fraudulent activities;
• Offer fraud risk and awareness services and resources;
• Support businesses and individuals with anti-fraud services and strategy.

Frogo has long been committed to maintaining the accuracy, confidentiality, security and privacy of your personal information. We consider your personal information to be information about you as an identifiable individual that is protected by law.

The Privacy policy of Website, incorporated by this reference, describes the information collected when you visit this site and how such information is used. Please refer to the Privacy policy for more information on this by visiting https://frogo.ai/privacy-policy/.

In consideration of the availability, and your use, of the Site, you agree to comply with all applicable laws and regulations and these Terms & Conditions when using the Site. You acknowledge that We may investigate any violations of law and may cooperate with law enforcement authorities in prosecuting users in this regard.

The Frogo Site is operated to assist you in understanding FROGO LTD services and in communicating with us.

The Frogo Site is provided for your personal use subject to these Terms and Conditions. By accessing or using our Site, you agree to these Terms and Conditions.

You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the Site, you prohibited from:

• using or permitting the use of the Site without reading and accepting (or in contravention of) the terms of any separate license agreement.
• using, enabling, facilitating, or permitting the use of the Site for an illegal purpose, criminal or civil offense, intellectual property infringement, harassment (including disruptive, intimidating, annoying or offensive calls/transmissions), or in a manner that would breach any law, regulation or the policies of any Internet host, or cause interference with Our network operations (including preventing a fair and proportionate use by others).
• Systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
• Circumvent, disable, or otherwise interfere with security-related features of the Site, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Site and/or the Content contained therein.
• Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site.
• Make improper use of our support services or submit false reports of abuse or misconduct.
• Use the Site in a manner inconsistent with any applicable laws or regulations.
• Engage in unauthorized framing of or linking to the Site.
• Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Site or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Site.
• Delete the copyright or other proprietary rights notice from any Content.
• Attempt to impersonate another person.
• Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“gifs”), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as “spyware” or “passive collection mechanisms” or “pcms”).
• Interfere with, disrupt, or create an undue burden on the Site or the networks or services connected to the Site.
• Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Site to you.
• Attempt to bypass any measures of the Site designed to prevent or restrict access to the Site, or any portion of the Site.
• Copy or adapt the Site’s software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
• Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Site.
• Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Site, or using or launching any unauthorized script or other software.
• Use the Site as part of any effort to compete with us or otherwise use the Site and/or the Content for any revenue-generating endeavor or commercial enterprise.

You are solely responsible for ensuring that your systems are able to use the Site and IT IS RECOMMENDED THAT YOU USE AND UPDATE COMMERCIAL ANTI-VIRUS, ANTI-SPYWARE AND FIREWALL SOFTWARE ON YOUR SYSTEMS THAT ACCESS THE SITE.

We do not guarantee that our Site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform in order to access our Site. You should use your own virus protection software.

You must not misuse our Site by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.

We cannot guarantee that the service will be free of fault and errors. If you notice errors or found some fault occurring in the service, please report it to [email protected]. If we are informed of any inaccuracies in the material, errors on the Site or of a fault, we will attempt to correct the inaccuracies, errors or faults as soon as reasonably possible.

Access to the Site may occasionally be restricted to allow for repairs, maintenance or the introduction of new facilities or services. We will do our best to restore the service as soon as possible.

We will not be liable to users or any third party for any damages whatsoever, whether direct, indirect, incidental or consequential relating to or arising out of a visitor’s use of this Site.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our Site or any content on it, whether express or implied.

You agree to defend, indemnify and hold harmless each of Frogo, its affiliates and licensors and each of their respective operators, officers, directors, employees, agents, business partners from and against any and all claims, actions or demands, including without limitation reasonable legal and accounting fees, resulting from or related to:

• your breach of any of these Terms & Conditions,
• your access to or use of the Site
• any breach of your representations and warranties set forth in these Terms,
• your use or reliance on, or publication, communication or distribution of anything on or from the Site. You shall use your best efforts to cooperate with us in the defense of any claim. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.
• your violation of the rights of a third party, including but not limited to intellectual property rights. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT IN NO EVENT SHALL FROGO, INCLUDING ITS AFFILIATES AND LICENSORS, BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES, AND ANY DAMAGES FOR LOSS OF PROFITS, SAVINGS, GOODWILL OR OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER FROGO HAD BEEN ADVISED OF OR COULD HAVE FORESEEN THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF OR IN CONNECTION WITH:

(A) THE USE, INABILITY TO USE OR PERFORMANCE OF THE SITE,

(B) ANY UNAUTHORIZED ACCESS TO OR MODIFICATION TO ANY OF YOUR USER CONTENT,

(C) ANY OTHER MATTER RELATING TO THE SITE.

You expressly acknowledge that Frogo has entered into these Terms & Conditions, and has and will make the Site and Content available to you in reliance upon the limitations and exclusions of liability and the disclaimers set forth herein, and that the same form an essential basis of the bargain between you and Frogo. You expressly agree that the limitations and exclusions of liability and the disclaimers set forth herein will survive, and continue to apply in the case of, a fundamental breach or breaches, the failure of essential purpose of contract, the failure of any exclusive remedy or termination of this agreement.

We may release information relating to you to regulatory or law enforcement authorities, if required to do so by law. We may use the information we have collected about you on an anonymous basis for the purposes of monitoring in relation to our equal opportunities policy. We also reserve the right to disclose the information we have collected about you to our professional advisers, to our recruitment department and to other persons in the event that we contract out any aspect of our operation. These third parties will be acting under similar undertakings of confidentiality as Frogo

Visiting the Site, sending us emails, making phone calls or sending messages in social media/messengers and completing online contact forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing.

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our Site in any website that is not owned by you. Our Site must not be framed on any other Site, nor may you create a link to any part of our Site other than the home page.

Links from other sites to our home page do not require prior permission from us but deep linking into any other page of our site should not be undertaken without prior permission from Us.

We reserve the right to withdraw linking permission without notice. If you wish to make any use of content on our Site other than that set out above, please contact [email protected].

These terms, its subject matter and its formation (and any non-contractual disputes or claims) are governed by and construed in accordance with Republic of Cyprus laws. Any dispute, controversy or claim arising out of or relating to these Terms, using (operation) of the Platform and/or provision of the Services including but not limited to the formation, performance, breach, termination or invalidity thereof, shall be settled by arbitration in accordance with the Cyprus Eurasia Dispute Resolution and Arbitration Centre (CEDRAC) Arbitration Rules. The number of arbitrators shall be one. The seat of the arbitration shall be in Nicosia, Cyprus. The language to be used in the arbitral proceedings shall be English.

You may not access or use the Site if you are located in, incorporated in, or a resident of any jurisdiction subject to comprehensive international sanctions, including but not limited to: North Korea, Iran, Syria, Cuba, and any other region designated as a prohibited jurisdiction by the United Nations, European Union, U.S. Department of the Treasury (OFAC), or Financial Action Task Force (FATF).

We reserve the right to restrict access to our services from other regions based on evolving regulatory and compliance requirements.

These Terms and Conditions and any policies or operating rules posted by us on the Site or in respect to the Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms and Conditions shall not operate as a waiver of such right or provision. These Terms and Conditions operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Terms and Conditions is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms and Conditions and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms and Conditions or use of the Site. You agree that these Terms and Conditions will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms and Conditions and the lack of signing by the parties hereto to execute these Terms and Conditions.

Your rights under these Terms and Conditions may not be transferred to any other person. Frogo LTD may transfer our rights under these Terms and Conditions to any other future business we may form where we reasonably believe your rights will not be affected.

If you breach these Terms and Conditions and we do not act upon it at the time, Frogo LTD will still be entitled to use its rights and remedies at a later date or if you commit further breaches of the Terms and Conditions.

We shall not be responsible for any breach of these Terms and Conditions caused by circumstances beyond Our reasonable control.

By using a Site, you understand and agree that the FROGO, in its sole and absolute discretion, may, without notice to you, suspend or terminate your use of, or access to, the Site, for any reason, including where We believe that you have violated any of these Terms & Conditions.

If you aren’t agreeing or dissatisfied with any terms, conditions, rules, policies, guidelines, the Site itself or practices the Frogo in operating the Site, your sole and exclusive remedy is to discontinue using the Site.

The Site is owned and operated by FROGO LTD.

FROGO LTD reserves the right to revise these terms by changing, modifying, adding or removing any portion of these terms in whole or in part, at any time. We will make reasonable efforts to notify you of any changes. You should not use the Site if you do not wish to accept the new Terms and Conditions. Changes to the terms will be effective when notice of such changes is posted. If you continue to use the Frogo Site after this date you indicate your agreement to be bound by the new Terms and Conditions.

We may update our Site from time to time, and may change the content at any time. Any of the content on our Site may be out of date at any given time, and we are under no obligation to update it. We do not guarantee that our Site, or any content on it, will be free from errors or omissions.

FROGO LTD makes reasonable efforts to ensure and maintain the accuracy of the information published on this site and keep it up to date. We take no responsibility, however, for any errors or omission, though if notified of any we will do our best to rectify them.

If you have any queries, please contact [email protected].

These Terms & Conditions are effective as of 19 May 2025.