Terms of Service | Alumbra AI

Alumbra Solutions LLC

Last Updated: May 13, 2026

These Terms of Service (the "Terms") are a binding agreement between you ("you" or "your") and Alumbra Solutions LLC, a North Carolina limited liability company with offices at 101 S Tryon Street, Suite 2700, Charlotte, NC 28280 ("Alumbra," "we," "us," or "our"). These Terms govern your access to and use of our websites, mobile and desktop applications, APIs, and related products and services (collectively, the "Services"), including Inkling and Alumbra Relevant (each defined below).

By using the Services, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms, you may not access or use the Services.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. THEY CONTAIN IMPORTANT INFORMATION ABOUT YOUR LEGAL RIGHTS, INCLUDING A BINDING INDIVIDUAL ARBITRATION AGREEMENT AND A WAIVER OF YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION (SECTION 15). YOU MAY OPT OUT OF THE ARBITRATION AGREEMENT WITHIN 30 DAYS OF FIRST ACCEPTING THESE TERMS, AS DESCRIBED IN SECTION 15.

1. ELIGIBILITY

You must be at least 13 years old to use the Services. If you are between 13 and 17, you may use the Services only with the involvement and consent of a parent or legal guardian who agrees to be bound by these Terms on your behalf. By using the Services, you represent and warrant that (a) you meet the age requirements above, (b) you have the legal capacity to enter into these Terms (or a parent or legal guardian has done so on your behalf), and (c) you are not barred from using the Services under applicable law.

2. THE SERVICES

2.1 Inkling

"Inkling" is a text-message and WhatsApp-based service that helps you identify potential scams. Inkling is made available to you through your financial institution, which provides you with a short code and a passcode to activate the Service. Once activated, you can text suspicious messages or screenshots of suspicious messages to the short code, and Inkling will return an analysis indicating whether the submitted content is a known scam or exhibits scam indicators or red flags. The analysis includes a link to a web portal (the "Scam Reporting Portal") where you can report the suspected scam in greater detail and access educational resources to help you protect yourself from scams.

Activation and authorization. You agree to use only the short code and passcode provided to you by your financial institution. You will not share your passcode with any other person or use a passcode that was not issued to you. Your access to Inkling depends on your eligibility to receive the Service through your financial institution and may be discontinued if your financial institution discontinues its sponsorship or if you no longer qualify for the Service through that institution.

Please do not submit your personal information. Inkling is designed to analyze the structure and content of suspicious messages, not to process your personal information. You agree that you will not include your own personal information (such as your full name, account numbers, Social Security number, passwords, login credentials, payment card information, or other sensitive identifiers) in messages or screenshots you submit to Inkling. Where practical, you should redact or crop sensitive details from screenshots before sending them to us. Although our systems are designed to automatically remove personal information before analysis, the safest approach is not to submit it in the first place.

How your submissions are handled. When you submit content to Inkling, our systems automatically remove personally identifiable information (such as names, phone numbers, account numbers, email addresses, and similar identifying details) from the content before our analysis systems process it. We do not retain or use the personally identifiable information that is removed from your submissions. Only de-identified content is analyzed to generate your scam assessment, and only aggregated, de-identified data is used to improve the Service. Additional details are described in our Privacy Policy.

Relationship with your financial institution. Inkling is provided by Alumbra, not by your financial institution. Although your financial institution makes Inkling available to you, Alumbra is solely responsible for the operation of the Service and for your data submitted through it, as described in our Privacy Policy. Your financial institution is not a party to these Terms, is not responsible for the Service, and does not have access to the content of your submissions unless you separately authorize that disclosure.

Not financial, legal, or law-enforcement advice. Inkling provides automated risk assessments only. It is not a substitute for your own judgment, your financial institution's fraud-prevention processes, advice from a qualified professional, or reporting to law enforcement. We do not guarantee that Inkling will identify every scam, that flagged content is necessarily a scam, or that content not flagged is necessarily safe.

2.2 Alumbra Relevant

"Alumbra Relevant" is our AI upskilling platform, which provides training and enablement tools to help you understand how to use AI safely and effectively. Alumbra Relevant allows you to create an account, complete training modules, and (where the feature is enabled for you) build and interact with AI agents. Access to Alumbra Relevant is provided to you at no cost; your sponsoring financial institution pays for the Service on your behalf, subject to the terms of its agreement with us.

Account information. To use Alumbra Relevant, you must create an account with an email address and password. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to (a) provide accurate, current, and complete information when you register and to keep that information up to date, (b) promptly notify us of any unauthorized access to or use of your account, and (c) not share your account credentials or allow another person to use your account.

AI agents and your inputs. Alumbra Relevant may allow you to create AI agents by providing prompts, instructions, knowledge sources, files, and other inputs (collectively, "User Inputs"). The agents you create will generate outputs ("Outputs") based on your User Inputs and the underlying AI models. You are responsible for your User Inputs and for ensuring that you have all rights necessary to provide them. You are also responsible for your use of Outputs and for verifying their accuracy and appropriateness before relying on them.

Limitations of AI outputs. AI-generated content can be inaccurate, incomplete, biased, or otherwise misleading. Outputs are provided for informational and educational purposes only and should not be relied on as professional advice. You should independently verify any Output before acting on it.

3. SUSPENSION AND TERMINATION

We may suspend or terminate your access to the Services, in whole or in part, at any time and for any reason, including if we believe in good faith that you have violated these Terms, that your use of the Services creates a security or legal risk, or that we are required to do so to comply with applicable law. We may also discontinue all or any part of the Services at any time, with or without notice.

You may stop using the Services at any time. For Inkling, you may opt out of text messages as described in Section 4.5 below. For Alumbra Relevant, you may close your account by following the instructions in the platform or by contacting us at the address in Section 18.

Sections of these Terms that by their nature should survive termination will survive, including ownership provisions, disclaimers, indemnities, limitations of liability, and the dispute-resolution provisions.

4. MESSAGING TERMS

This Section 4 applies to your use of Inkling and any other text-message or WhatsApp messaging in connection with the Services. Please also see our Privacy Policy for information about how mobile information is treated.

4.1 Consent to Receive Messages

By activating Inkling and using the short code and passcode provided by your financial institution, you expressly consent to receive text messages from Alumbra at the mobile phone number you use, including messages generated using automated systems. You also consent to receive WhatsApp messages from us if you submit content via WhatsApp. Your consent is not a condition of purchasing any goods or services.

4.2 Types and Frequency of Messages

You may receive: (i) responses to messages and screenshots you submit, including scam analyses; (ii) service-related messages such as activation confirmations and notices; and (iii) educational messages and links to the Scam Reporting Portal. Message frequency depends on how often you submit content to the Service.

4.3 Message and Data Rates

Message and data rates may apply to messages sent to or from you. Rates depend on your wireless carrier or messaging plan; contact your carrier for details. Carriers and messaging platforms are not liable for delayed or undelivered messages.

4.4 Mobile Information

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Mobile opt-in data and consent are excluded from the categories of personal information that may be shared with third parties, as described in our Privacy Policy. We may share mobile information only with service providers acting on our behalf to deliver messages you have requested, with carriers and platform operators as needed to transmit messages, and as otherwise required by law.

4.5 How to Opt Out (STOP) and Get Help (HELP)

You can stop receiving non-essential text messages at any time by replying STOP, END, QUIT, CANCEL, UNSUBSCRIBE, REVOKE, or OPT OUT to any text message you receive from us. After you opt out, we may send you one final confirmation message, and we will not send further non-essential messages unless you re-subscribe. For WhatsApp, you may opt out by following the in-message instructions, by blocking our WhatsApp number, or by contacting us at the address in Section 18. Replying HELP will provide help information. You may also contact us for help at info@alumbraai.com.

5. ACCEPTABLE USE

You agree not to use the Services to:

• Violate any law, regulation, or third-party right;

• Submit content you do not have the right to share, or content that infringes another person's intellectual property, privacy, or publicity rights;

• Impersonate another person, misrepresent your affiliation with any person or entity, or use a passcode not issued to you;

• Send unsolicited or unauthorized messages, advertising, or promotional materials through the Services;

• Upload, transmit, or generate content that is unlawful, defamatory, obscene, harassing, hateful, sexually exploitative of minors, threatening, or otherwise objectionable;

• Attempt to interfere with, compromise the integrity or security of, or otherwise abuse the Services or any related systems or networks (including by introducing malware, performing denial-of-service attacks, or attempting to gain unauthorized access);

• Reverse engineer, decompile, disassemble, or attempt to discover the source code or underlying models of the Services, except to the extent applicable law prohibits this restriction;

• Use the Services or any Outputs to develop a competing product or service or to train a machine-learning or AI model;

• Scrape, harvest, or systematically collect data from the Services other than as expressly permitted; or

• Use the Services in connection with any high-risk activities where failure could result in death, personal injury, environmental damage, or property damage.

We may investigate and take appropriate action against any suspected violation of this Section 5, including suspending or terminating your access to the Services and reporting the conduct to law enforcement.

6. INTELLECTUAL PROPERTY

6.1 Our Intellectual Property

The Services, including all software, text, graphics, designs, logos, models, and other content (other than User Inputs and Outputs), are owned by Alumbra or its licensors and are protected by intellectual property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services for your personal, non-commercial use. No other rights are granted by implication, estoppel, or otherwise.

6.2 Your Content

As between you and Alumbra, you retain all rights you have in User Inputs you provide to the Services. You grant Alumbra a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, display, and otherwise use your User Inputs and the de-identified content derived from them (a) to provide the Services to you, (b) to develop, improve, secure, and operate the Services, and (c) to comply with legal obligations. We will not use the content of your submissions to Inkling, or your User Inputs or Outputs on Alumbra Relevant, to train general-purpose AI models. Additional details are described in our Privacy Policy.

6.3 Outputs

As between you and Alumbra, and to the extent permitted by applicable law, you own the Outputs that AI agents on Alumbra Relevant generate from your User Inputs. You are responsible for your use of Outputs and for ensuring they comply with applicable law and these Terms. You acknowledge that Outputs may be similar across users with similar inputs and that we may generate similar Outputs for other users; we make no representation that any Output is unique.

6.4 Feedback

If you provide us with feedback, suggestions, or ideas about the Services ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free, sublicensable license to use the Feedback for any purpose, without compensation to you.

7. THIRD-PARTY SERVICES

The Services may interoperate with, link to, or otherwise integrate with services, websites, or content provided by third parties ("Third-Party Services"), including financial institutions, AI model providers, messaging platforms (such as the providers of SMS and WhatsApp services), and payment processors. Third-Party Services are not under our control, and we are not responsible for their content, accuracy, availability, or practices. Your use of any Third-Party Service is at your own risk and may be subject to additional terms and policies.

8. DISCLAIMERS

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ALUMBRA AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; THAT THE SERVICES OR OUTPUTS WILL MEET YOUR REQUIREMENTS; THAT INKLING WILL IDENTIFY EVERY SCAM OR THAT IT WILL NOT GENERATE FALSE POSITIVES OR FALSE NEGATIVES; OR THAT OUTPUTS GENERATED BY ALUMBRA RELEVANT WILL BE ACCURATE, COMPLETE, OR FREE OF BIAS. YOU ARE SOLELY RESPONSIBLE FOR YOUR DECISIONS AND ACTIONS BASED ON THE SERVICES.

9. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ALUMBRA OR ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUES, LOST DATA, BUSINESS INTERRUPTION, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS ($100) OR (B) THE AMOUNT YOU HAVE PAID US FOR THE SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

Some jurisdictions do not allow the exclusion or limitation of certain damages. To the extent applicable law prohibits the limitations above, they will apply only to the maximum extent permitted.

10. INDEMNIFICATION

To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Alumbra and its affiliates, officers, employees, agents, and licensors from and against any third-party claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to (a) your use of the Services in violation of these Terms or applicable law; (b) your User Inputs or content you submit to the Services, including any submission to Inkling that you were not authorized to share; or (c) your violation of the rights of any third party. We may, at our option, assume the exclusive defense and control of any matter subject to indemnification, in which case you agree to cooperate with our defense.

11. MODIFICATIONS TO THE SERVICES AND TERMS

We may modify, suspend, or discontinue any aspect of the Services at any time, and we may modify these Terms from time to time. If we make material changes to these Terms, we will provide notice (such as by posting the updated Terms on our website with a new "Last Updated" date and, where appropriate, by email or in-Service notice). Material changes will become effective on the date stated in the notice or, if no date is stated, fourteen (14) days after the notice is posted. Your continued use of the Services after the effective date constitutes your acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Services.

12. PRIVACY

Our collection, use, and disclosure of personal information in connection with the Services are described in our Privacy Policy, which is incorporated by reference into these Terms. Please review the Privacy Policy carefully.

13. GOVERNING LAW

These Terms and any dispute arising out of or relating to these Terms or the Services will be governed by the laws of the State of North Carolina, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

14. INFORMAL DISPUTE RESOLUTION

Before initiating arbitration or any other formal proceeding, you and Alumbra agree to attempt in good faith to resolve any dispute informally. The party initiating the dispute must send a written notice describing the dispute and the proposed resolution to the other party. Notices to Alumbra must be sent to the address in Section 18; notices to you will be sent to the contact information associated with your account. The parties agree to negotiate in good faith for at least sixty (60) days after the notice is sent before initiating arbitration.

15. BINDING ARBITRATION AND CLASS ACTION WAIVER

THIS SECTION 15 CONTAINS AN ARBITRATION AGREEMENT AND CLASS ACTION WAIVER. PLEASE READ IT CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

15.1 Agreement to Arbitrate

Except as set out in Section 15.5, you and Alumbra agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services (a "Dispute") will be resolved by binding individual arbitration administered by JAMS in accordance with its Streamlined Arbitration Rules and Procedures (or, for claims exceeding $250,000, its Comprehensive Arbitration Rules and Procedures), as modified by these Terms. The Federal Arbitration Act governs the interpretation and enforcement of this Section 15. The arbitration will be conducted in Charlotte, North Carolina, or, at your election, by telephone, videoconference, or based on written submissions.

15.2 Class Action Waiver

YOU AND ALUMBRA AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE THE CLAIMS OF MORE THAN ONE PERSON AND MAY NOT PRESIDE OVER ANY FORM OF REPRESENTATIVE OR CLASS PROCEEDING. IF THIS CLASS ACTION WAIVER IS FOUND TO BE UNENFORCEABLE, THEN THE ENTIRETY OF THIS SECTION 15 (OTHER THAN SECTION 15.5) WILL BE NULL AND VOID.

15.3 Opt-Out

You have the right to opt out of this arbitration agreement. To opt out, you must send written notice of your decision to opt out to the address in Section 18 or to info@alumbraai.com within thirty (30) days after you first accept these Terms. Your notice must include your full name, the email address associated with your account, your mailing address, and a clear statement that you wish to opt out of the arbitration agreement. If you opt out in accordance with this Section 15.3, you and Alumbra will not be bound by the arbitration agreement or class action waiver, but the remainder of these Terms will continue to apply.

15.4 Costs

Each party will bear its own costs and attorneys' fees in arbitration, except as the arbitrator may award under applicable law. If JAMS's rules entitle you to a refund of filing fees, we will pay those fees in accordance with the rules.

15.5 Exceptions

Notwithstanding the foregoing, either party may (a) bring an individual action in small-claims court for claims within its jurisdiction; (b) seek injunctive or other equitable relief in court to prevent or stop actual or threatened infringement, misappropriation, or violation of intellectual property rights or unauthorized access to the Services; and (c) bring a claim or pursue a remedy that, under applicable law, may not be waived or arbitrated.

15.6 30-Day Cure Right

If we make any material change to this Section 15 (other than a change to our contact information), you may reject the change by providing us written notice within thirty (30) days of the change, at which point your account will be governed by the Section 15 in effect immediately before the change.

16. ELECTRONIC COMMUNICATIONS

You consent to receive communications from us in electronic form, including by email, in-Service notice, and text message (subject to Section 4). You agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that they be in writing.

17. GENERAL

Entire Agreement. These Terms, together with the Privacy Policy and any other terms expressly incorporated, constitute the entire agreement between you and Alumbra regarding the Services and supersede any prior agreements.

Severability. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect, and the invalid or unenforceable provision will be modified to the minimum extent necessary to make it valid and enforceable.

No Waiver. Our failure to enforce any provision of these Terms is not a waiver of that provision or of our right to enforce it later.

Assignment. You may not assign or transfer these Terms or any of your rights or obligations under them without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets, or by operation of law. Any assignment in violation of this section is void.

No Third-Party Beneficiaries. Except as expressly stated, these Terms do not create any third-party beneficiary rights.

Force Majeure. We will not be liable for any failure or delay in performance caused by circumstances beyond our reasonable control.

Headings. Section headings are provided for convenience only and have no legal effect.

18. HOW TO CONTACT US

If you have any questions about these Terms or the Services, please contact us at:

Alumbra Solutions LLC
101 S Tryon Street, Suite 2700
Charlotte, NC 28280
Email: info@alumbraai.com