Terms of Service - GuardScore Alerts

Last Updated: October 6, 2025 | Effective Date: October 6, 2025

1. Acceptance of Terms

By subscribing to any GuardScore Alerts Telegram channel (@MerchantGuardAlerts, @MerchantIntelAlertsES, @MerchantIntelAlertsPT) or using @guardscorebot, you agree to these Terms of Service and our Copyright Policy.

If you do not agree to these terms, please do not subscribe or use our services.

2. Description of Service

GuardScore Alerts is a free merchant intelligence curation service that:

  • Monitors 20+ public sources for payment industry news
  • Analyzes regulatory changes, processor updates, and compliance requirements
  • Scores alerts by severity, merchant impact, and confidence
  • Publishes summaries in English, Spanish, and Portuguese
  • Links to original sources for full details

What We Are:

  • A news aggregation and curation service
  • An intelligence analysis platform
  • A merchant education tool

What We Are NOT:

  • The original publisher of curated content
  • A financial advisory service
  • A legal advisory service
  • A compliance consulting firm

3. Free Service / No Warranties

Free Access

GuardScore Alerts channels are 100% free to subscribe to. We reserve the right to introduce paid tiers in the future, but will always maintain a free tier.

No Warranties

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • Accuracy: We strive for accuracy but cannot guarantee all information is correct
  • Completeness: Alerts may not cover all relevant developments
  • Timeliness: Delays may occur between source publication and our alert
  • Availability: Service may be interrupted or discontinued at any time

4. Disclaimers

NOT FINANCIAL ADVICE

GuardScore Alerts is for informational purposes only. Do not make financial decisions based solely on our alerts.

NOT LEGAL ADVICE

Our summaries of regulations and compliance requirements are not legal advice. Consult a qualified attorney for legal guidance.

NOT COMPLIANCE CONSULTING

We provide information about compliance requirements but do not provide compliance services or certifications.

⚠️ Verify Before Acting

You MUST:

  • Visit original source links for complete information
  • Verify all facts before taking action
  • Consult appropriate professionals (lawyers, accountants, compliance advisors)
  • Understand that regulations vary by jurisdiction

Curated Content Disclaimer

We curate content from third-party sources. We are NOT the original publisher. Original sources retain all copyrights. We provide attribution and links to all sources. Content may be outdated if source updates after our publication.

5. Intellectual Property

Our Content

GuardScore Alerts owns:

  • Our analysis, scoring, and commentary
  • Our summaries (the specific wording we create)
  • Our translations
  • Our brand, logo, and trade dress

Third-Party Content

Original articles, documents, and publications are owned by their respective publishers. We provide these under fair use principles with full attribution.

You MAY ✓

  • Read and benefit from our alerts
  • Share links to our Telegram channels
  • Quote our analysis with attribution

You MAY NOT ✗

  • Republish our alerts in their entirety
  • Remove our attribution when sharing
  • Create automated bots that republish our content
  • Sell access to our alerts (they're free)

6. Limitation of Liability

No Liability for Business Decisions

We are NOT liable for:

  • Financial losses from decisions based on our alerts
  • Missed opportunities due to delayed or missed alerts
  • Compliance violations (you are responsible for your own compliance)
  • Damages from inaccurate information

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM RELATED TO GUARDSCORE ALERTS IS LIMITED TO $100 (ONE HUNDRED US DOLLARS).

7. Privacy

Information We Collect

Via Telegram:

  • Your Telegram username (publicly visible)
  • Subscription timestamp
  • Language preference (EN/ES/PT channel choice)

Via @guardscorebot:

  • Responses to our assessment questions
  • GuardScore results
  • Subscription tier (if you upgrade)

We Do NOT

  • Sell your data to third parties
  • Share your Telegram info with publishers
  • Track you across other websites
  • Require personal identification beyond Telegram username

8. Service Modifications

We reserve the right to:

  • Add or remove features
  • Change alert frequency
  • Modify scoring methodologies
  • Introduce paid tiers (while keeping free tier)
  • Discontinue service with 30 days notice

9. Termination

By You

You may unsubscribe at any time by:

  • Leaving the Telegram channel
  • Blocking @guardscorebot
  • No penalties or fees

By Us

We may terminate access if you:

  • Violate these terms
  • Abuse the service
  • Engage in illegal activities
  • Disrupt other users

10. Contact & Questions

General Questions: support@merchantguard.ai

Copyright Issues: copyright@merchantguard.ai

Privacy Concerns: privacy@merchantguard.ai

Telegram Support: @guardscorebot → /support

Summary (TL;DR)

What You Get:

  • Free merchant intelligence alerts (EN/ES/PT)
  • Severity scoring and impact analysis
  • Links to original sources

What You Agree To:

  • This is information only, not professional advice
  • You verify facts before acting
  • You won't abuse the service

What We Don't Promise:

  • Perfect accuracy (verify before acting)
  • Unlimited uptime (service may have interruptions)
  • Liability for your business decisions

By subscribing to GuardScore Alerts, you acknowledge you have read, understood, and agree to these Terms of Service.

Thank you for trusting GuardScore for your merchant intelligence! 🚀

Last Updated: October 6, 2025 | Version: 1.0

GuardScore Alerts - Merchant Intelligence, Curated