DRAFT - attorney review pending. Not final.

Disclaimer

General security education, not personalized advice. No Scam Left Behind ("NSLB," "we") publishes free information, a self-check quiz, and checklists to help people lower their risk of scams and identity theft. This is general security education, not personalized advice for your situation. We don't review your accounts or devices, and following these steps reduces risk but can't guarantee protection. It isn't legal, financial, tax, or insurance advice.

No guarantee. Following our tips can lower your risk, but nothing can remove it. We don't promise that any tip, product, or score will stop a scam or prevent identity theft or financial loss.

Independent, not official. NSLB is a brand of Apex 42 Holdings LLC, a private company. We aren't part of, affiliated with, or endorsed by the Federal Trade Commission, the FBI, the U.S. Postal Inspection Service, any other government agency, or any law enforcement agency. When we link to official sources, it's so you can check our work, not because they endorse us.

We don't take reports or recover money. If you've been scammed, contact your bank or card issuer first. Then report it at ReportFraud.ftc.gov (fraud and scams), IdentityTheft.gov (identity theft recovery), or ic3.gov (internet crime). Be careful with anyone who promises to get your money back for a fee. That's a common follow-up scam.

Accuracy. We check facts against official sources, but scams, products, prices, and settings change fast. Information may be out of date by the time you read it.

Third-party products and links. We mention and link to products, services, and websites we don't control. Check a product's own terms, pricing, and privacy policy before you sign up.

Watch out for impersonators. NSLB will never contact you first by text, phone, or social media DM, and will never ask for money, gift cards, crypto, passwords, or verification codes.

About the NSLB Essentials Quiz

The quiz is a free educational self-check. Your score is a self-reported snapshot based only on your own answers on the day you take it. We can't check whether your answers are accurate or complete. A high score, including NSLB Hero, means your answers line up with well-known protective habits. It doesn't mean you can't be scammed, that your accounts are secure, or that your identity can't be stolen. Tier names describe your answers, not a guarantee of results.

Terms of Use (summary)

No warranty. NSLB, including the quiz, scores, checklists, articles, and emails, is provided "as is" and "as available." To the fullest extent the law allows, we disclaim all warranties, express or implied.

Limitation of liability. To the fullest extent the law allows, Apex 42 Holdings LLC won't be liable for indirect, incidental, special, consequential, or punitive damages, or for any loss of money, data, or identity, arising from your use of NSLB or reliance on any score, tier, checklist, or recommendation. TODO: liability cap amount, governing law/venue - attorney review.