ChatMurcianys

This Coins Policy describes the terms and conditions that govern the purchase and use of Coins on ChatMurcianys. The purchase and use of Coins on ChatMurcianys is entirely voluntary.

Purchase qualifications and security

To make a purchase on ChatMurcianys, you must be a registered ChatMurcianys user and comply with this Coins Policy (including the Privacy Policy and the Terms and Conditions policy. You acknowledge that you are responsible for maintaining the security of, and restricting access to, your account and password. You also agree to accept responsibility for all purchases and other activities that occur under your account. ChatMurcianys sells its Ancillary Products and Services only to those users who can legally make purchases with a credit card. If you are between the ages of 13 and 18 (or the legal age of majority in your state of residence), you may make purchases on ChatMurcianys only with the permission of a parent or guardian. ChatMurcianys reserves the right to refuse, cancel orders, or terminate accounts, at any time in its sole discretion.

ChatMurcianys may offer certain Ancillary Products and Services such as Coins, which are digital items (virtual currency) that allow users to activate or access other virtual items or services on the Platform that may be available on the Platform from time to time. Coins have no monetary value (i.e., are not a cash account or equivalent), and do not constitute currency or property of any type. Coins cannot be sold or transferred to other Users, and cannot be exchanged for cash or for any other goods and services. Users have no property, proprietary, intellectual property, ownership, or monetary interest in promotional or purchased Coins, which remain ChatMurcianys digital content subject to ChatMurcianys Terms and Conditions. Coins are non-refundable. ChatMurcianys does not recognize the transfer of Coins (including for money or any other consideration or items of value whether inside or outside ChatMurcianys). You may not purchase, sell, barter, or trade any Coins, or offer to purchase, sell, or trade any Coins. Any such attempted transfer will be null and void. Coins can only be used on ChatMurcianys as a way to activate or access other virtual items or services that may be available on ChatMurcianys from time to time.

ChatMurcianys does not guarantee that Coins will be available at all times or at any given time. ChatMurcianys does not guarantee that we will continue to offer Coins for any particular length of time. ChatMurcianys may modify Coins at our sole discretion, and such modifications may make Coins more or less common, desirable, effective, or functional. ChatMurcianys may suspend or terminate Coins for any or no reason in our sole discretion, and without advance notice or liability.

The number of coins that are needed to activate or access Virtual Items (Gifts) will be displayed to you when attempting to purchase such Gifts. Before buying Coins, check how many you need. The cost per Coin differs depending on how many you buy at one time. We will make the total price of the Coin package clear to you when you are buying Coins. You can track your spending on Coins, and how you use them to access Gifts, using the following tools:

• The total number of coins (Coin Balance) will be updated each time you purchase Coins or use them in exchange for Virtual items. Your account balance is shown in the menu of your Home Page ( > Balance > Recharges) and at any time you are about to use Coins to activate or access virtual items;
• In your Balance, you can view your Recharges history which shows you how many Coins you have purchased;
• In the Gifts section of your balance, you can also view how you have used Coins on ChatMurcianys by selecting the Sent option.

Sending Gifts

Gifts are virtual items that can be activated using Coins

You can send Gifts to interact with and show your appreciation for the content on ChatMurcianys in accordance with our Terms and Conditions. When yous send a Gift, other users on ChatMurcianys can see your username, profile image (if provided) and the details of the Gift that you sent. By sending Gifts, you are not transferring money to other users of ChatMurcianys. Instead, the type and number of Gifts sent is a factor used by ChatMurcianys in calculating the amount of Rubies that will be awarded to the creators of such content, along with other factors, which may apply if any. Rubies can be used to obtain money from ChatMurcianys in accordance with our Gifts Policy

Because Gifts are automatically activated with immediate effect, they are not returnable or refundable for either Coins or money.

Purchasing Coins

Coins can be purchased through a third party app store (Google Play Store). ChatMurcianys may allow for additional ways to obtain Coins at its discretion.

In the case that the incorrect amount of Coins is credited to your account Balance, you may contact us and we will correct the mistake as soon as possible.

If an issue occurs with your payment method (payment is declined) your order will be cancelled automatically. We are not responsible for any issues between you and your card issuer, bank, or other payment service provider.

If you purchase Coins through a third party app store (Google Play Store), then applicable store's terms of in-app purchases apply.

Refunds

If you purchased Coins through a third party app store (Google Play Store), then you will need to contact the relevant app store about refunds. ChatMurcianys cannot provide you with a refund unless the Coins are defective. To withdraw from your purchase of Coins, please contact us so that we may help with any errors you may be facing with the purchase of the Coins.

This Gifts Policy applies to users of ChatMurcianys that participate in the Gifting program that incentivise users to interact with ChatMurcianys. "Gifts" means digital content such as Rubies and emoticons that may be available;

Eligibility

To participate in the program you must be at least 13 years of age and register a valid Radio Station and must be approved by ChatMurcianys. Other eligible participation options may be available in the future. If you are between the ages of 13 and 18 (or between 13 and the age of legal majority in your country of residence) , you may only participate in the Program under the supervision of a parent or legal guardian who agrees to be bound by this Agreement. We will determine your eligibility at our sole discretion. Approved Radio Station owners will have the option to participate in the program by announcing their live broadcast on ChatMurcianys (Announce live broadcast) and checking the "Allow audience to send gifts" option.

If we decide to reject you participation or terminate your account in connection with any violations or abuse, including, but not limited to any violations of the Terms and Conditions and the Community Guidelines as stated in the Privacy Policy you cannot attempt to re-join the Program without our advance written authorization.

Compliance requirements

You will ensure that the information associated with your account are at all times complete, accurate, and up-to-date. You must also comply with our Terms and Conditions and Privacy Policy. In addition, you agree to the following compliance agreements with our current Gifting eligible Programs:

• Radio Stations:

  The Owner and/or Hosts of the Radio Station will be the only ones who will be able to receive and claim the Gifts gifted by their audience through ChatMurcianys. The words Owner and Hosts refers to anyone who has a direct association or has a role with the operation of the Radio Station's entity. That is, they are the user who registered the Radio Station, the user(s) who administer, manage, or host the Radio Station and who have permission (as expressed and professed by the Owner of the Radio Station through ChatMurcianys's platform) to engage with the Radio Station's identity.

  ChatMurcianys, in its sole discretion, may make Gifts available to you to display, present or otherwise use in your chat room, or by other means. These gifts will be used to support your Radio Station's broadcast to celebrate moments and express appreciation for the host using the "Send Gift" feature on ChatMurcianys.

The gifts received will be converted into Rubies. When the Gifts are in Rubies, they can be used to obtain money. You will receive one U.S. cent ($0.01) per Ruby that is used by an user to express their support to you through chat, or other means through ChatMurcianys. The Gifts Policy may be adjusted by ChatMurcianys, in its sole discretion, including, for Rubies received by users on a promotional basis, purchased in different local jurisdictions or as otherwise required to prevent harm to ChatMurcianys's business interests. In addition, ChatMurcianys may determine not to provide you with Rubies for any use of Rubies that is not consistent with the Gifts Policy. ChatMurcianys reserves the right to stop offering or supporting Gifts and/or Rubies at any time.

This Withdrawal Policy applies to Users of ChatMurcianys that participate in the Gift Program and choose to withdraw their earnings (Rubies) through ChatMurcianys.

To withdraw your earnings, you must use one of the withdrawal methods that we currently support:

• PayPal
• Zelle

The payment will be sent to the external account you select in accordance with the rules of the payment method provider. We reserve the right to require this account to be registered in your own name. You are subject to all terms and conditions of the payment method you choose. All payments are to be made in the United States Dollars, except where other currencies are offered via the payment methods made available by ChatMurcianys.

You must make sure that the information you provide is accurate, complete, and up-to-date. You will be solely responsible for any consequences resulting from providing inaccurate or incomplete information. We may verify your payment information and eligibility to collect Rubies or receive payments, such as identity, age, and location. If additional information is required, you agree to provide us with such information upon request.

The following withdrawal minimum and maximum apply:

• Minimum withdrawal:
• Paypal: $50.00
• Zelle: $50.00
• Maximum daily withdrawal is equivalent to $1,000 in United States Dollars

Transaction fees

The external withdrawal methods that ChatMurcianys currently supports may impose an additional transaction fee. If a transaction fee is imposed, it will be deducted from each withdrawal payment before it lands in the external account of your choice.

We may, for security reasons and/or to maintain the integrity of your account, suspend your ability to use Rubies to obtain a payment. We will contact you if we have to do this. Where we need to make urgent changes for security, safety, legal, or regulatory requirements, we may not be able to provide you with advance notice, but we will let you know as soon as we are able to. If you believe that we have made an error by suspending your ability to use Rubies to obtain a payment, then please contact us.

We are not responsible for any loss or damage caused by payment method providers, provided it is not as a result of our actions.

All payments will be inclusive of tax (if applicable). If you are subject to any taxes on payments, you will be responsible for the payment of such taxes.

We may change or alter this policy at any time for legal, regulatory or business reasons. These changes may include who can participate in the Gift Program, how payments are collected or used. These modifications can be done without prior notice, in ChatMurcianys's sole discretion. If changes are made, we may provide notice by sending an email, posting a notice on ChatMurcianys, or posting on ChatMurcianys's social media. Please check these terms periodically for those changes. Any modified terms will apply to any purchases made after such changes are posted on ChatMurcianys. Therefore, you should review these terms prior to each purchase or withdrawal so will understand the terms applicable to such transaction. If you do not agree to these terms, do not make any purchases or withdrawals on ChatMurcianys.