Terms of Use

By accessing or using exhibit101.com (the "Site") or downloading the Restaurant Fraud Handbook (the "Handbook"), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site.

Exhibit 101 is an independent research publication that catalogues and ranks restaurant fraud schemes for educational and professional reference purposes. The Site and Handbook are provided for informational use only and do not constitute legal, financial, or professional advice.

All content on the Site — including the fraud scheme catalogue, scoring methodology, flow diagrams, written descriptions, and the Handbook PDF — is the intellectual property of Exhibit 101 and is protected by copyright. You may not reproduce, redistribute, resell, or create derivative works from any content without prior written permission.

Personal, non-commercial use is permitted. Brief quotations with attribution to "Exhibit 101 (exhibit101.com)" are permitted for journalistic and academic purposes.

To download the Handbook, you must register with a valid email address. You agree to provide accurate information and to keep your contact details current. We reserve the right to refuse or revoke access at our discretion.

Download links are single-use, time-limited (24 hours), and issued to the registered email address only. You may not share, redistribute, or publish the Handbook PDF without written permission. The Handbook is licensed for personal and internal professional use only.

By submitting a fraud report, you grant Exhibit 101 a perpetual, royalty-free licence to use, publish, and incorporate the submitted information (in anonymised form) into future editions of the Handbook or Site content. You represent that your submission does not violate any third-party rights or applicable law.

You agree not to:

• Use the Site or Handbook to facilitate, plan, or execute any fraudulent activity.
• Scrape, crawl, or systematically download Site content without written permission.
• Attempt to bypass authentication, rate limits, or security controls.
• Submit false, misleading, or defamatory fraud reports.
• Impersonate any person or entity in connection with the Site.

The Site and Handbook are provided "as is" without warranty of any kind, express or implied. Exhibit 101 makes no representations regarding the accuracy, completeness, or fitness for a particular purpose of any content. Fraud scheme descriptions are based on documented patterns and are not exhaustive.

To the fullest extent permitted by law, Exhibit 101 shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Site or Handbook, including but not limited to loss of profits, data, or business opportunities.

The Site may contain links to third-party websites. These links are provided for convenience only. Exhibit 101 does not endorse and is not responsible for the content, privacy practices, or accuracy of any third-party site.

These Terms are governed by and construed in accordance with applicable law. Any disputes shall be resolved through good-faith negotiation before any formal proceedings are initiated.

We may update these Terms at any time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the Site after changes constitutes acceptance of the updated Terms.

Questions about these Terms? Contact us at [email protected].