Digital Wallet & Virtual Currency Terms of Service

Last Updated: September 2026. These Terms govern digital wallet deposits, virtual credits, payments, and payouts.

1. Non-Banking / Digital Platform Credit Disclosure

The digital wallet functionality provided on this Platform is a software ledger for managing platform service credits. THE PLATFORM IS NOT A BANK, MONEY TRANSMITTER, OR DEPOSITORY INSTITUTION.

Wallet balances represent digital license credits usable solely on this platform for unlocking features, tipping creators, purchasing vote packages, or entering eligible events. Wallet balances:

• Do NOT constitute bank deposits or currency accounts;
• Are NOT insured by the Federal Deposit Insurance Corporation (FDIC), Financial Services Compensation Scheme (FSCS), or any government insurance agency;
• Do NOT accrue interest or investment returns under any circumstances.

2. Finality of Purchases & No Chargebacks

All wallet top-ups, vote bundle purchases, and digital tip transfers are complete, final, and non-refundable once processed. Users agree not to initiate chargebacks or credit card disputes for valid wallet transactions. Any fraudulent or bad-faith chargeback will result in immediate account suspension, negative wallet balance recovery, and reporting to fraud databases.

3. Anti-Money Laundering (AML) & Fraud Prevention

We strictly enforce anti-money laundering controls. Users are prohibited from using platform wallets for:

• Structuring or layering funds to evade financial reporting;
• Transferring illicit proceeds, stolen card funds, or peer-to-peer financial arbitrage;
• Commercial money remittance between unrelated third parties.

The Platform reserves the right to freeze suspicious balances, request identity documentation (KYC), and report financial crimes to competent authorities.

4. Withdrawals & Payout Eligibility

Creators eligible for cashouts must maintain a verified account in good standing. Withdrawals are subject to:

• Minimum withdrawal thresholds as configured in the platform settings;
• Standard processing windows (3 to 7 business days) for fraud and chargeback screening;
• Deduction of third-party payment gateway processing fees where applicable.