User Recharge Agreement

1. Virtual Currency Overview

1.1 What are Coins?

Coins are Cloutstreamz's virtual currency that can be:

• Purchased with real money through various payment methods
• Used to send virtual gifts to streamers and content creators
• Used to access premium features and content
• Used to support your favorite creators
• Earned through platform activities and promotions

1.2 Coin Packages and Pricing

2. Purchase Terms and Conditions

2.1 Eligibility to Purchase

To purchase Coins, you must:

• Be at least 18 years old, or have parental consent if under 18
• Have a valid Cloutstreamz account in good standing
• Use a valid payment method in your name
• Comply with all local laws regarding online purchases
• Not be located in a restricted jurisdiction

2.2 Payment Methods

We accept the following payment methods:

• Credit cards (Visa, Mastercard, American Express)
• Debit cards
• PayPal
• Apple Pay / Google Pay
• Bank transfers (selected regions)
• Digital wallets (selected regions)

2.3 Purchase Process

When making a purchase:

• Select your desired coin package
• Choose your payment method
• Review the total amount including any applicable taxes
• Confirm your purchase
• Coins will be added to your account within 5 minutes

3. Pricing and Taxes

3.1 Pricing Policy

Coin prices are subject to:

• Regional variations based on local currency and market conditions
• Promotional discounts and special offers
• Changes with 30 days advance notice
• Platform fees and payment processing charges

3.2 Taxes and Fees

Additional charges may include:

• Local sales tax or VAT where applicable
• Payment processing fees
• Currency conversion fees for international transactions
• Mobile carrier fees for mobile payments

4. Refund and Cancellation Policy

4.1 No Refund Policy

All coin purchases are final and non-refundable except in the following cases:

• Technical errors that prevent coin delivery
• Unauthorized transactions due to fraud
• Duplicate charges for the same transaction
• Platform errors in pricing or coin amounts

4.2 Refund Process

If you qualify for a refund:

• Contact customer support within 48 hours of purchase
• Provide transaction details and proof of error
• Allow 5-10 business days for investigation
• Refunds will be processed to the original payment method

5. Coin Usage and Restrictions

5.1 Permitted Uses

Coins can be used for:

• Sending virtual gifts to streamers and content creators
• Accessing premium features and content
• Participating in special events and challenges
• Supporting creators through tips and donations
• Purchasing exclusive stickers and emojis

5.2 Prohibited Uses

Coins cannot be:

• Transferred or sold to other users
• Exchanged for real money or other currencies
• Used for illegal activities or harassment
• Accumulated through fraudulent means
• Used to circumvent platform rules or restrictions

5.3 Coin Expiration

Purchased coins:

• Do not expire under normal circumstances
• May be forfeited if your account is terminated for violations
• May be removed if obtained through fraudulent means
• May be subject to inactivity policies (1 year of no use)

6. Gift System and Creator Support

6.1 Virtual Gifts

Available gift types include:

• Basic gifts (1-10 coins): Hearts, flowers, thumbs up
• Premium gifts (20-100 coins): Luxury items, animals, vehicles
• Exclusive gifts (200+ coins): Special effects, rare items
• Limited edition gifts: Seasonal and event-specific items

6.2 Creator Revenue Sharing

When you send gifts:

• Creators receive a percentage of the gift value
• Platform retains a commission for service provision
• Revenue sharing rates may vary by creator tier
• Creators must meet minimum thresholds for payouts

7. Account Security and Fraud Prevention

7.1 Security Measures

We implement security measures including:

• Encrypted payment processing
• Fraud detection systems
• Purchase verification for large amounts
• Account monitoring for suspicious activity

7.2 User Responsibilities

You are responsible for:

• Keeping your account credentials secure
• Monitoring your account for unauthorized purchases
• Reporting suspicious activity immediately
• Using only your own payment methods

8. Dispute Resolution

8.1 Customer Support

For purchase-related issues:

• Contact support through the app or website
• Provide transaction ID and relevant details
• Allow 24-48 hours for initial response
• Escalate to management if needed

8.2 Chargeback Policy

Unauthorized chargebacks may result in:

• Immediate account suspension
• Removal of purchased coins
• Additional fees and penalties
• Permanent account termination

9. Platform Changes and Updates

9.1 Service Modifications

We reserve the right to:

• Modify coin packages and pricing
• Add or remove payment methods
• Update gift catalogs and features
• Change revenue sharing models

9.2 User Notification

Material changes will be communicated through:

• In-app notifications
• Email announcements
• Website updates
• Social media channels

10. Legal Compliance

10.1 Age Restrictions

Purchase restrictions by age:

• Under 13: No purchases allowed
• 13-17: Parental consent required
• 18+: Full purchasing privileges
• Verification may be required for large purchases

10.2 Regional Restrictions

Services may be limited in certain regions due to:

• Local laws and regulations
• Payment processing restrictions
• Tax compliance requirements
• Business licensing limitations

11. Contact Information

For questions about purchases, refunds, or this agreement:

• Email: billing@cloutstreamz.com
• Phone: [Your Customer Service Number]
• Live Chat: Available 24/7 in the app
• Help Center: Visit our comprehensive support section