Terms & Conditions

These Terms & Conditions ("Terms") govern your access to and use of Cash Chat, CashChat AI, Pro AI, AI Voice Assistants, Flicks, Advertising, and Community Shares Trading (collectively, the "Services").

1. Company Details

The Services are provided and operated by CASHCHAT LTD, a company registered in the United Kingdom (trading as "Cash Chat"), together with any applicable affiliates.

Depending on your country and the Services you use, the relevant operator may include:

• United Kingdom: CASHCHAT LTD (registered in the UK), trading as "Cash Chat".
• Uganda: Cash Chat Limited (trading as "Cash Chat"), where applicable.

2. Acceptance of Terms

By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

These Terms apply to users, customers, advertisers, creators, and agents using any part of the Services.

3. Eligibility, Account, and Security

You must be legally able to form a binding contract in your jurisdiction. If you use the Services on behalf of a company, you confirm you have authority to bind that company.

You are responsible for your account credentials, device security, and all activities performed through your account.

• Keep passwords and verification codes confidential.
• Notify us if you suspect unauthorized access.
• We may require verification (including identity checks) for certain features.

4. Services Overview

Cash Chat is a platform that may include: fintech tools (including wallet features where available), wallet-to-wallet transfers, AI chat and AI voice assistants, a premium Pro AI feature, a social short-video platform ("Flicks"), digital advertising tools, and Community Shares Trading.

Features may vary by country and may change over time for compliance, safety, and product improvement.

5. AI Features (CashChat AI, Pro AI, AI Voice Assistants)

Our AI features may include AI chat, GPT-based assistants, teaching assistants, and AI voice assistants. AI outputs may be inaccurate, incomplete, or inappropriate and should be verified before relying on them.

AI features may be offered as free, paid, or usage-based experiences, including Pro AI and AI voice assistants that require top-ups or payments.

• Do not use AI features for illegal activities, harassment, fraud, or to violate third-party rights.
• Do not share sensitive information like passwords, PINs, or one-time codes in AI interactions.
• We may apply safety controls, rate limits, and moderation for abuse prevention.

6. Payments, Top-Ups, & Anti-Fraud Policies

Some features require payment or top-up, including Virtual Gifts, AI voice assistants, and Pro AI. You authorize us and/or our payment partners to process payments you initiate.

Supported currencies are currently: UGX and KES, and USD for all other countries. Supported payment methods include Cash Chat Wallet, Mobile Money (where available), and Bank Cards (Stripe).

To protect our creators and maintain platform integrity, we enforce strict anti-fraud measures on all credit and debit card transactions:

• Account Age Limit: Accounts must be at least 30 days old to use credit/debit cards. New users must use Mobile Money or Wallet transfers.
• Identity Verification: You must complete Identity Verification in your account settings before processing a card payment.
• Transaction Minimums: A minimum of $0.50 USD is required for all card transactions.
• Velocity Limits: To prevent spam and card testing, users are strictly limited in the number of gifts they can send to the same creator within a 24-hour period.
• 3D Secure: All card payments are protected and enforced by 3D Secure authentication.
• Clearance Holds: High-value transactions (e.g., $50 and above) are subject to a mandatory 7-day security hold before funds are cleared to the recipient.
• Manual Review: Large withdrawals exceeding platform thresholds are subject to manual administrative review before processing.

7. Wallet-to-Wallet Transfers

Where wallet features are available, you may send and receive money between Cash Chat users subject to limits, verification requirements, and compliance checks.

You are responsible for confirming recipient details; transactions may be irreversible once completed.

• Transactions may be delayed or blocked due to risk, fraud prevention, or compliance requirements.
• We may request KYC/AML verification depending on feature usage or jurisdiction.

8. Community Shares Trading

The Services may include a community shares trading feature for members ("Community Shares Trading").

You understand that trading and investment-related activity may involve risk, and values can go up or down. You are responsible for your decisions.

• Do not use the feature for market manipulation, fraud, or misleading activity.
• We may suspend accounts or restrict trading for compliance, risk, or suspected abuse.

9. Flicks (Content Platform) and Earnings

Flicks allows users to create and share short video content for engagement and promotion.

We may offer earning opportunities based on eligibility criteria, including views, audience engagement, virtual gifts, and other metrics we determine.

Earnings, thresholds, reviews, and eligibility can change and may be subject to fraud checks and policy compliance.

• We may withhold or reverse earnings where we detect invalid traffic, stolen credit cards, manipulation, or policy violations.
• Creators are responsible for ensuring they own or have rights to their content.

10. Advertising Platform + Ad Display Locations

Users and businesses may create adverts to promote products/services through our advertising tools.

Adverts may be displayed across parts of the Services, including within AI experiences and/or on Flicks.

We may review, reject, limit, or remove adverts at our discretion to protect users, comply with law, and enforce our policies.

• No illegal, misleading, or deceptive adverts.
• No content that infringes intellectual property or privacy rights.
• No prohibited content categories as defined by our policies and local law.

11. Advertising Agents and Commissions

We may allow users to apply as advertising agents. Approved advertising agents may earn commissions on adverts sold through their efforts.

Current commission guideline: advertising agents may earn up to 20% commission, depending on the amount paid by the advertiser/promoter and the applicable terms shown in-app or provided to the agent.

• Commission eligibility may require approval, verification, and compliance checks.
• We may adjust commission structures, rules, and payout schedules at any time.
• We may withhold payouts where we detect fraud, chargebacks, or policy violations.

12. Content Rules (No Explicit Nudity) + Enforcement

We do not allow explicit nudity, pornography, or content showing naked people intended for sexual stimulation on any part of the Services (including Flicks, ads, profiles, or messages where applicable).

If prohibited content is found, enforcement may include warnings, content removal, demonetization, suspension, or permanent account closure.

• 3 warnings policy: after three warnings for prohibited content, your account and/or page may be closed.
• We may take immediate action (including removal) for severe violations, illegal content, or safety risks.

13. Intellectual Property

The Cash Chat name, logo, app, website, and all related software, design, text, graphics, and other content we create (excluding User Content, defined below) are owned by CASHCHAT LTD and/or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, lease, reverse engineer, or create derivative works based on the Services except as expressly permitted by these Terms or by law.

If you submit feedback, suggestions, or ideas about the Services, you grant us a perpetual, worldwide, royalty-free license to use them without any obligation to you.

14. User-Generated Content License

You retain ownership of the content you post, upload, or share on the Services ("User Content"), including Flicks videos, comments, and profile content.

By posting User Content, you grant Cash Chat a non-exclusive, worldwide, royalty-free, sublicensable license to host, store, reproduce, distribute, display, and perform that content in connection with operating, promoting, and improving the Services.

You are responsible for ensuring you own or have the necessary rights to any content you post, and that it does not infringe any third party's rights.

15. End User License Agreement (EULA)

Where you download or install the Cash Chat mobile application, the following license terms apply in addition to the rest of these Terms:

• License Grant: We grant you a limited, non-exclusive, non-transferable, revocable license to download, install, and use the app on a device you own or control, solely for your personal, non-commercial use, in accordance with these Terms.
• Restrictions: You may not (a) copy, modify, or create derivative works of the app; (b) reverse engineer, decompile, or disassemble the app, except to the extent permitted by applicable law; (c) rent, lease, lend, sell, redistribute, or sublicense the app; (d) remove or alter any proprietary notices; or (e) use the app in any way that violates applicable law.
• Ownership: The app is licensed, not sold. We and our licensors retain all right, title, and interest in the app, including all intellectual property rights.
• App Store Terms: If you obtained the app from Apple's App Store, this EULA is between you and CASHCHAT LTD, not Apple, and Apple has no obligation to provide maintenance or support for the app. In the event of any failure of the app to conform to an applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any); to the maximum extent permitted by law, Apple has no other warranty obligation. Apple is not responsible for addressing any claims relating to the app. Apple is a third-party beneficiary of this EULA and may enforce it against you.
• Updates: We may release updates, patches, or new versions of the app from time to time, which may be required for continued use.

16. Who the Services Are For (C2C, C2B, B2B)

Our products support multiple use cases including consumer-to-consumer (C2C), consumer-to-business (C2B), and business-to-business (B2B).

Businesses and corporate users are responsible for ensuring their use complies with applicable laws, industry rules, and these Terms.

17. Suspension and Termination

You may stop using the Services at any time.

We may suspend or terminate your account or access (with or without notice as permitted by law) if we believe you violated these Terms, our policies, or applicable law, or if your activity presents fraud, compliance, or security risks.

18. Indemnification

You agree to indemnify, defend, and hold harmless Cash Chat, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with: (a) your use of the Services; (b) your User Content; (c) your violation of these Terms; or (d) your violation of any rights of another person or entity.

19. Third-Party Services and Links

The Services may contain links to or integrations with third-party websites, apps, or services (including payment processors like Stripe, mobile money providers, and app stores). We do not control and are not responsible for the content, policies, or practices of third parties.

Your use of third-party services is at your own risk and subject to their own terms.

20. Disclaimers

The Services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee uninterrupted operation, error-free performance, or that content/AI outputs will always be accurate.

21. Limitation of Liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or loss of profits, revenue, data, or goodwill.

Where liability cannot be excluded, our total liability will be limited to the amount you paid for the relevant Service in the 3 months prior to the event giving rise to the claim (if any), or the minimum allowed by law.

22. Export Control and Sanctions Compliance

You may not use the Services if you are located in, or a resident of, a country or region subject to comprehensive sanctions, or if you are on any government list of prohibited or restricted parties.

You represent that you are not subject to such restrictions and agree to comply with all applicable trade control and sanctions laws.

23. Force Majeure

We will not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials, or outages or disruptions of telecommunications, internet, or payment networks.

24. General Provisions

Notices: We may provide notices to you through the app, by email, or by posting on our website. You are responsible for keeping your contact details up to date.

Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.

Severability: If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.

Entire Agreement: These Terms, together with any policies referenced in them (including our Privacy Policy and Child Safety Standards), constitute the entire agreement between you and us regarding the Services.

Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision.

25. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we may provide notice through the app, website, or other reasonable means.

Your continued use after changes take effect constitutes acceptance of the updated Terms.

26. Governing Law and Disputes

These Terms are governed by the laws of England and Wales. If you are a consumer resident in another jurisdiction, you may also benefit from mandatory consumer protections under the laws of your country of residence.

Disputes should first be raised with Customer Support. If unresolved, disputes may be handled by the courts of England and Wales, unless applicable local law requires otherwise.

Contact

If you have questions about these Terms, contact Customer Support:

• Mobile: +254745133259, +256775036603
• Email: support@cashchatapp.com
• Child safety concerns: see our Child Safety Standards.