that’s fair, my absolute statement doesn’t reflect the exclusive way anti fraud laws are written. you certainly might find and successfully exploit legal ways to lie for financial gain, but at best it’s unethical and at worst you’ll have to defend why your deceit isn’t criminal fraud in a lawsuit. it kind of depends on who you piss off the most, imo.
that still isn’t an explanation of how the server supposedly “does not have the means to decrypt them [the messages]”, which isn’t me saying it’s impossible. i’m well aware of possible cryptographic solutions here. but, it isn’t wrong to be sus of this application until the organization/developers have demonstrated a degree of trustworthiness. i honestly don’t see why you would use this over just encrypting and transfering the data yourself using more traditional methods that involve the minimum number of parties. i might just be ignorant of this project, but i’m weary of it until i have a chance for further investigation