Terms of Service

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1. Definitions

For the purposes of these Terms, the following definitions apply. In addition, definitions provided elsewhere in these Terms or referenced documents are incorporated herein by reference.

• “Platform”: The InnerCredits website, including all domains, subdomains, mobile applications, APIs, and related online services provided or operated by InnerCredits for the purchase of virtual credits.
• “User”: Any individual, entity, or organization who accesses, browses, registers, or uses the Platform in any manner to purchase InnerCredits, whether or not an Account is created.
• “Account”: A unique profile created by a User for the purposes of purchasing, managing, and transferring InnerCredits through the Platform.
• “InnerCredits”: The proprietary, Platform-specific, virtual credit system that Users purchase through this Platform for use on InnerFans.com. InnerCredits are automatically transferred to the User’s InnerFans wallet upon successful purchase and have no cash or fiat value outside the designated platforms. InnerCredits are non-refundable except as required by law.
• “Payment Processors”: Third-party services including but not limited to PayPal, Stripe, and NOWpayments that facilitate credit card and cryptocurrency transactions for InnerCredits purchases.
• “Agreement” or “Terms”: This legally binding contract between you and InnerCredits, incorporating all referenced documents and policies, including but not limited to the Privacy Policy and Acceptable Use Policy.
• “Third Party”: Any individual, entity, or organization not a party to this Agreement, including but not limited to payment processors or external service providers.
• “Verification”: The process by which InnerCredits confirms the identity, eligibility, and compliance of Users as required by law, regulation, or Platform policy.
• “Wallet”: The digital account associated with a User’s InnerFans profile where purchased InnerCredits are automatically deposited.
• “Policy”: Any rule, guideline, or notice published by InnerCredits and referenced herein, including but not limited to the Privacy Policy and Fee Schedule.
• “Force Majeure”: Any event or circumstance beyond the reasonable control of InnerCredits, including but not limited to acts of God, war, terrorism, pandemic, civil unrest, government regulation, or natural disaster, that prevents fulfillment of Platform obligations.

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2. Acceptance of Terms

By accessing, browsing, registering, or using any part of InnerCredits, you agree to be legally bound by these Terms, all referenced and incorporated policies, and any future amendments as described herein. If you do not agree with any aspect of these Terms, you must not use the Platform.

The Platform may update, revise, or otherwise modify these Terms at any time in accordance with Section 17 (“Modifications to Terms”). Material changes will be communicated via Platform announcement or email notification, and your continued use after such changes constitutes acceptance.

If you register, access, or use the Platform on behalf of a legal entity (such as a business, partnership, or organization), you represent and warrant that you have the authority to bind such entity to these Terms, and all references to “you” or “your” herein shall include such entity.

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3. Eligibility

3.1 Age and Legal Capacity

To use the Platform, you must be at least 18 years old and have the legal capacity to enter into this Agreement. By registering or using the Platform, you represent and warrant that you meet these requirements.

3.2 Jurisdictional Restrictions

The Platform is not available to, and may not be used by, individuals or entities in jurisdictions where use or access is prohibited by law. It is your responsibility to know and comply with all laws and regulations applicable to your use of the Platform in your jurisdiction.

3.3 Platform Discretion

InnerCredits reserves the right to refuse, restrict, or terminate access to the Platform at its sole discretion, including for Users who fail to meet eligibility requirements or who violate Platform policy.

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4. Account Registration, Security, and Verification

4.1 Account Creation

• To access the InnerCredits Platform, you must create an Account by providing accurate, complete, and up-to-date information, including but not limited to a valid email address, secure password, and verification documents as required.
• You must not use false, misleading, or fraudulent information during registration. Doing so is grounds for immediate suspension or termination.
• You are responsible for maintaining and updating your Account information as necessary to ensure its accuracy and completeness.

4.2 Account Security

• You are solely responsible for safeguarding your login credentials and for all activity conducted under your Account.
• You agree to promptly notify InnerCredits of any unauthorized access, suspected breach, or misuse of your Account.
• InnerCredits is not liable for any loss or damage arising from your failure to comply with these security obligations.

4.3 Identity Verification

• Users may be required to complete identity verification before making purchases. This includes, but is not limited to:
  • Submission of a valid government-issued photo identification (passport, driver’s license, or national ID card).
  • A selfie or other biometric verification as required by Platform policy.
  • Disclosure of legal name, address, and (where required) tax identification number.
  • Completion of any forms or declarations required by law or payment processors.
• InnerCredits may request additional verification documents or perform ongoing checks at any time. Failure to comply may result in suspension of purchasing privileges or termination.

4.4 Multiple Accounts

You may not create or control more than one Account, except as expressly authorized by InnerCredits. Use of multiple Accounts to circumvent Platform restrictions or for fraudulent purposes is strictly prohibited.

4.5 Account Transfer

Accounts are personal and non-transferable. You may not sell, assign, or otherwise transfer your Account, except with prior written consent from InnerCredits.

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5. InnerCredits Purchase System

The InnerCredits Platform operates as a virtual credit purchasing system that enables Users to buy InnerCredits for use on partner sites, like InnerLinks.com (soon) and InnerFans.com. All purchased credits are automatically transferred to the User’s InnerFans wallet and other sites upon successful transaction completion.

5.1 Purchasing InnerCredits

• Users may purchase InnerCredits through multiple payment methods including:
  • Credit and debit cards processed through PayPal and Stripe
  • Cryptocurrency payments processed through NOWpayments
  • Other payment methods as supported and permitted by local law
• Purchases are denominated in the User’s local currency, with the equivalent value credited as InnerCredits. The exchange rate between fiat currency and InnerCredits is displayed at the point of purchase and may be updated at any time at InnerCredits’ sole discretion.
• InnerCredits are automatically transferred to the User’s InnerFans wallet and other partner sites upon successful payment processing.

5.2 Credit Properties and Limitations

• InnerCredits are virtual credits with no cash or fiat value outside our platforms.
• InnerCredits are non-transferable between Users, non-refundable except as required by law or these Terms, and cannot be redeemed or exchanged for cash.
• All InnerCredits purchases are final sales subject to the refund policy outlined in Section 11.

5.3 Transaction Processing

• All transactions are processed in real time through our secure payment processor partners.
• InnerCredits reserves the right to suspend, delay, or investigate any suspicious transaction, including for suspected fraud, chargebacks, or policy violations.
• Transaction confirmations and receipts are available in the User’s account and via email.

5.4 Fees and Costs

• The purchase price of InnerCredits includes all applicable platform fees and payment processing charges.
• Additional fees may apply based on payment method, geographic location, or currency conversion as disclosed at the point of purchase.
• InnerCredits reserves the right to modify fee structures with advance notice to Users.

5.5 Fraud Prevention and Compliance

• Purchasing InnerCredits with stolen, unauthorized, or fraudulent payment information is strictly prohibited and may result in account suspension, reversal of credits, and reporting to authorities.
• InnerCredits reserves the right to conduct anti-fraud, anti-money laundering, and compliance checks on all transactions. Users must cooperate with any such investigation.
• Users may be required to provide additional verification or documentation to complete large or suspicious transactions.

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6. Payment Processing and Transaction Terms

6.1 Payment Methods

• Credit/Debit Cards: Processed securely through PayPal and Stripe payment processors.
• Cryptocurrency: Supported cryptocurrencies are processed through NOWpayments.
• Digital Wallets: PayPal and other supported digital wallet services.
• Additional payment methods may be added or removed at InnerCredits’ discretion.

6.2 Payment Authorization

• By submitting payment information, you authorize InnerCredits and its payment processors to charge your selected payment method for the purchase amount.
• You represent and warrant that you have the legal right to use any payment method submitted.
• You agree to provide accurate and complete payment information.

6.3 Transaction Confirmation

• All successful transactions will receive confirmation via email and Platform notification.
• InnerCredits will be automatically transferred to your InnerFans wallet within minutes of successful payment processing.
• Transaction history and receipts are available in your Account dashboard.

6.4 Failed Transactions

• Failed transactions may occur due to insufficient funds, payment processor issues, or fraud prevention measures.
• Users will be notified of failed transactions and may retry with the same or different payment method.
• InnerCredits is not liable for delays or failures caused by payment processor issues or banking systems.

6.5 Currency and Exchange Rates

• Purchases are processed in various supported currencies depending on User location and payment method.
• Currency conversion rates are determined by payment processors and may include additional fees.
• InnerCredits to fiat currency exchange rates are determined by InnerCredits and displayed at purchase.

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7. Platform Standards and Usage

7.1 Acceptable Use

• The Platform may only be used for the legitimate purchase of InnerCredits for personal use on partner sites, including InnerFans.com and InnerLinks.com (soon).
• Users must provide accurate information and use valid payment methods.
• Users must comply with all applicable laws and regulations in their jurisdiction.

7.2 Prohibited Activities

• Using the Platform for money laundering, fraud, or other illegal activities.
• Attempting to purchase InnerCredits with stolen, unauthorized, or fraudulent payment information.
• Circumventing security measures, verification requirements, or platform restrictions.
• Using automated systems, bots, or scripts to make purchases without authorization.

7.3 Account Monitoring

• InnerCredits reserves the right to monitor transactions for compliance, fraud prevention, and regulatory requirements.
• Suspicious activity may result in transaction delays, account restrictions, or termination.
• Users must cooperate with any compliance or security investigations.

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8. Prohibited Uses and Activities

The following uses and activities are strictly prohibited on the Platform. Violation of this section may result in immediate suspension or termination of access, reversal of transactions, and legal action.

• Creating fake, duplicate, or misleading accounts or identities.
• Impersonating any person, entity, or representative of InnerCredits.
• Using stolen, fraudulent, or unauthorized payment methods.
• Circumventing verification requirements, security measures, or account restrictions.
• Automating access to or interaction with the Platform via bots, scripts, or unauthorized tools.
• Attempting to hack, disrupt, damage, or gain unauthorized access to any part of the Platform or its infrastructure.
• Engaging in money laundering, terrorist financing, or any suspicious financial activity.
• Using the Platform to facilitate or promote illegal activities.
• Uploading malware, viruses, or any malicious code.
• Exploiting Platform bugs, vulnerabilities, or unintentional features for personal gain.
• Reselling or transferring InnerCredits outside of the intended platform ecosystem.
• Attempting chargebacks or payment disputes in bad faith.

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9. Privacy and Data Protection

9.1 Privacy Policy Integration

By using the Platform, you agree to the collection, use, and disclosure of your personal information in accordance with our Privacy Policy (incorporated by reference). The Privacy Policy explains what information we collect, how it is used, and your rights and choices regarding your data.

9.2 Data Security

• InnerCredits employs industry-standard security measures to protect your data, including encryption, access controls, and secure payment processing.
• Payment information is processed by certified PCI-compliant payment processors and is not stored on InnerCredits servers.
• No system is completely secure; you acknowledge and accept that any transmission of personal information is at your own risk.

9.3 User Rights

• Depending on your jurisdiction, you may have rights to access, correct, delete, or restrict processing of your personal data. You may exercise these rights by contacting us through our support channels.
• Requests will be honored as required by law and as described in our Privacy Policy.

9.4 Data Retention

• We retain your personal information only as long as necessary for the purposes for which it was collected, to comply with legal obligations, or for legitimate business interests.
• Transaction records may be retained for longer periods as required by financial regulations.

9.5 Third Parties

• InnerCredits may share personal data with third-party service providers for payment processing, fraud prevention, compliance, or other necessary services as described in the Privacy Policy.
• InnerCredits does not sell or rent your personal information to third parties for marketing purposes.

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10. Account Suspension, Termination, and Deletion

10.1 Suspension and Termination by InnerCredits

• InnerCredits may suspend or terminate any Account at any time for violation of these Terms, law, or Platform policy, or for suspected fraud, abuse, or illegal activity.
• InnerCredits will make reasonable efforts to notify affected Users, but is not required to do so in cases of severe or ongoing violations.
• Suspended accounts may have purchasing privileges revoked pending investigation.

10.2 Account Deletion by User

• You may delete your account at any time by contacting our support team. Deletion is generally irreversible, except as required for legal compliance or dispute resolution.
• Upon deletion, your access to the Platform and purchase history will be removed, though some data may be retained as required by law or for legitimate business interests.

10.3 Effects of Suspension or Termination

• All access to the Platform is revoked for suspended or terminated accounts.
• Pending transactions may be cancelled or reversed.
• InnerCredits previously transferred to InnerFans remain subject to InnerFans’ terms and policies.

10.4 Appeals and Reinstatement

• Users may appeal account suspension or termination by contacting support with a detailed explanation. InnerCredits is not required to reinstate suspended or terminated accounts.
• Appeals will be reviewed in accordance with Platform policy and applicable law.

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11. Refunds, Chargebacks, and Disputes

11.1 Refund Policy

• All purchases of InnerCredits are final and non-refundable, except as required by law or in cases of proven fraud or technical error by the Platform.
• Refunds for unauthorized transactions or technical errors must be requested within 30 days of the transaction and will be subject to investigation and verification by InnerCredits.
• Refund requests must be submitted through official support channels with appropriate documentation.

11.2 Chargebacks

• Initiating a chargeback or payment dispute in bad faith is strictly prohibited. Doing so may result in account suspension, reversal of credits, or legal action.
• Users must attempt to resolve disputes through InnerCredits support before initiating chargebacks with their payment provider.
• InnerCredits reserves the right to contest illegitimate chargebacks and seek recovery of associated costs.

11.3 Dispute Resolution Process

• Users must first attempt to resolve disputes regarding transactions, technical issues, or policy enforcement through Platform support channels.
• If a dispute cannot be resolved informally, it may be escalated as described in Section 16 (Dispute Resolution and Arbitration).
• Detailed transaction records and communication history will be maintained for dispute resolution purposes.

11.4 Technical Errors

• In cases of technical errors that result in incorrect InnerCredits amounts or failed transfers, InnerCredits will investigate and correct legitimate errors.
• Users must report technical issues promptly to ensure timely resolution.
• InnerCredits is not liable for losses resulting from User error or misunderstanding of the purchase process.

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12. Platform Changes, Availability, and Maintenance

12.1 Changes to Platform Features

• InnerCredits reserves the right to modify, update, suspend, or discontinue any aspect of the Platform or its features at any time, with or without notice, at its sole discretion.
• Material changes to core features or policies will be communicated to Users via Platform announcements, email notifications, or account messages.
• InnerCredits is not liable for any loss or inconvenience caused by changes, removal, or discontinuation of features or services.

12.2 Scheduled Maintenance and Downtime

• InnerCredits may perform scheduled maintenance or updates that may temporarily affect Platform availability. Notice will be provided in advance when possible.
• Unscheduled outages may occur due to technical failures, security incidents, or circumstances beyond InnerCredits’ control.
• InnerCredits is not liable for any loss or damages resulting from downtime or maintenance periods.

12.3 Data Loss and Backups

• While InnerCredits takes reasonable measures to protect and backup data, Users are responsible for keeping local records of critical information and transactions.
• InnerCredits is not responsible for loss of data due to technical issues, security incidents, or force majeure events.

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13. Disclaimers and Limitation of Liability

13.1 Platform Provided “As Is”

The Platform, including all features and services, is provided on an “AS IS” and “AS AVAILABLE” basis, without warranty of any kind, either express or implied.

13.2 No Warranties

• InnerCredits disclaims all warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, accuracy, reliability, security, or non-infringement.
• InnerCredits does not warrant that the Platform will be uninterrupted, error-free, secure, or free from viruses or other harmful components.
• No advice, information, or communication from InnerCredits, whether oral or written, shall create any warranty not expressly stated herein.

13.3 Limitation of Liability

• To the maximum extent permitted by law, InnerCredits shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising from or related to the use of or inability to use the Platform, even if advised of the possibility of such damages.
• InnerCredits’ total cumulative liability for any claim, loss, or damages shall not exceed the greater of $100 USD or the amount paid by the User to InnerCredits in the twelve (12) months preceding the claim.
• Some jurisdictions do not allow the exclusion or limitation of certain damages; in such cases, the above limitations apply to the fullest extent permitted by law.

13.4 Third-Party Payment Processors

• InnerCredits is not liable for the acts, omissions, errors, or defaults of third-party payment processors.
• Users acknowledge that payment processing is subject to the terms and policies of the respective payment processors.

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14. Indemnification

You agree to indemnify, defend, and hold harmless InnerCredits, its parents, subsidiaries, affiliates, officers, directors, employees, agents, licensors, and suppliers from and against any and all claims, demands, damages, losses, liabilities, expenses, costs, and fees (including reasonable attorneys’ fees) arising out of or relating to:

• Your use of or access to the Platform;
• Your conduct or transactions on the Platform;
• Your violation of these Terms, applicable law, or the rights of any third party;
• Any dispute between you and a third party regarding transactions or payment processing;
• Any fraudulent, unauthorized, or illegal use of payment methods.

InnerCredits reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate as reasonably requested.

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15. Legal Compliance, Export Controls, and Sanctions

• You agree to comply with all applicable local, state, federal, and international laws, regulations, and rules regarding your use of the Platform and purchase of InnerCredits.
• You agree not to export, re-export, or transfer any portion of the Platform except as permitted under applicable law.
• You represent and warrant that you are not located in, under the control of, or a national or resident of any country subject to U.S. or EU embargo, sanctions, or export restrictions, nor are you on any government list of prohibited or restricted parties.
• InnerCredits may restrict or terminate access to the Platform for Users in sanctioned or embargoed countries or for those involved in prohibited activities.
• You agree to comply with all anti-money laundering, know-your-customer, and other financial regulations applicable to your transactions.

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16. Dispute Resolution and Arbitration

• Most disputes can be resolved informally by contacting InnerCredits support. If a dispute cannot be resolved informally, you and InnerCredits agree to resolve any claim, controversy, or dispute by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.
• You and InnerCredits waive any right to a jury trial or to participate in a class action, class arbitration, or representative action.
• Notwithstanding the above, InnerCredits may seek injunctive or equitable relief in any court of competent jurisdiction for violations of intellectual property or confidentiality.

16.1 Time Limitation

Any claim or cause of action arising out of or related to the Platform must be filed within one (1) year after such claim or cause of action arises, or be forever barred.

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17. Modifications to Terms

• InnerCredits may update, revise, or otherwise modify these Terms at any time. Changes will take effect upon posting to the Platform or as otherwise communicated to Users.
• Material changes will be notified by email, Platform announcement, or account message. Continued use of the Platform after such changes constitutes acceptance of the revised Terms.
• If you do not agree to the modified Terms, you must discontinue use of the Platform and close your account.

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18. Miscellaneous

• Entire Agreement: These Terms, together with the Privacy Policy and all referenced policies, constitute the entire agreement between you and InnerCredits and supersede all prior agreements, understandings, or representations.
• Severability: If any provision of these Terms is found unenforceable, the remaining provisions shall remain in full force and effect.
• Assignment: You may not assign or transfer your rights or obligations under these Terms without InnerCredits’ prior written consent. InnerCredits may assign these Terms freely.
• Waiver: Failure by InnerCredits to enforce any right or provision of these Terms does not constitute a waiver of such right or provision.
• Force Majeure: InnerCredits is not liable for any delay or failure in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, war, terrorism, strikes, labor disputes, natural disasters, or governmental actions.
• Headings: Headings and section numbers are for convenience only and do not affect interpretation.
• Contact Information: For questions about these Terms or the Platform, please contact us here.

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