Terms of Service

PayWeeb — operated by [full legal entity name], [company registration number, e.g. ACN/ABN], of [registered address].

Version: 2.0 — rewritten for the donation service.

1. The short version

This section is a summary to help you read the rest. It is not a substitute for it — where the summary and the detailed terms differ, the detailed terms apply.

• PayWeeb is a way to receive crypto donations. A creator claims a handle and gets a public page at payweeb.com/<handle>. Anyone can send crypto to that page. We credit the creator's PayWeeb balance, and the creator withdraws it when they want to.
• We take 1% of every donation. It is deducted at the moment the donation is credited, and the creator's page shows the donor the gross amount they sent.
• We hold the crypto for you. You do not hold the private keys. That means you are trusting us, and our custody provider, with your assets.
• We are not a bank. Your balance is not a bank deposit and is not protected by any government guarantee or deposit insurance scheme.
• Crypto transactions cannot be reversed. A donation, once sent, cannot be taken back — not by the donor, not by the creator, and not by us. See section 12.
• A donation is a gift, not a purchase. We do not promise you anything in return for it, and neither, as far as we are concerned, does the creator.
• Donor names and messages are published. What a donor types is shown on the creator's alert overlay, which is usually on a live stream. We do not read it first. See sections 10 and 11.
• We do not vet creators. A handle is not a verified identity. Check that a donation link really came from the person you think it did.
• You must be 18 or over, and you must not be in a sanctioned country or on a sanctions list.
• If we are required to freeze an account or report activity to the authorities, we will.

2. Who these Terms apply to

Two very different kinds of people use PayWeeb, and the parts of this document that matter to you depend on which one you are.

2.1 If you are a creator

You have an account. You claimed a handle, you have a public page, you have a PayWeeb balance, and you can withdraw it. You agreed to these Terms when you registered, and essentially all of this document applies to you.

2.2 If you are a donor

You do not have an account. You do not need one. You arrived at a creator's page, you were shown an address, and you sent crypto to it.

We know you have almost certainly not read this document, and we are not going to pretend otherwise. The things that actually affect you are short, and they are meant to be on the donation page in front of you before you send anything. If they were not, tell us — that is a fault on our side, not yours. In full they are:

• What you send is final. Once your transfer confirms on the blockchain it cannot be reversed by anyone. There is no chargeback and no dispute button. See section 12.
• We take 1% of it. The creator receives 99%. Network fees may reduce it further. See section 9.
• The name and message you type will be published on the creator's alert overlay, which is usually a live stream watched by other people, and may be recorded. Do not type anything you would not want an audience to see, and do not type anything personal. See section 10.
• We are not the creator, and we do not check who they are. Claiming a handle is free and takes seconds. If a donation link reached you any way other than from the creator's own verified channel, stop and check. See section 7.5.
• You are giving a gift. You are not buying anything from us, and we make no promise about what the creator will do.
• You must be 18 or over and must not be a person we are prohibited from dealing with under section 4.4.

By sending a donation you accept those points and the parts of these Terms that apply to donors — sections 2, 4.4, 8 to 12, and 19 to 34. Nothing in this paragraph takes away a right you have under a law that cannot be excluded by agreement.

2.3 If you are a viewer

You have no relationship with us at all. If something shown on a creator's stream through our overlay is unlawful or abusive, you can report it to [abuse and takedown email address] without having an account. See section 11.4.

3. About these Terms

3.1 These Terms of Service ("Terms") are an agreement between you ("you", "your") and [full legal entity name] ("PayWeeb", "we", "us", "our"). They govern your use of the PayWeeb website at https://payweeb.com, every creator page hosted on it, the alert overlay, and all related services (together, the "Service").

3.2 By creating an account, by sending a donation, or by using the Service in any way, you agree to these Terms. If you do not agree to them, do not use the Service.

3.3 These Terms incorporate, and you also agree to, our Privacy Policy and our Risk Disclosure, and our fee schedule at [fee schedule URL].

3.4 We may publish additional rules or limits for particular features. Where they apply, they form part of these Terms.

4. Eligibility

Sections 4.1 to 4.3 and 4.5 to 4.7 apply to creators. Section 4.4 applies to everyone, including donors.

4.1 Age. You are at least 18 years old.

4.2 Capacity. You have the legal capacity to enter into a binding contract, and if you are using the Service on behalf of a company or other organisation, you are authorised to bind it — in which case "you" means that organisation.

4.3 Your own account. You are opening the account for yourself, in your own name, and you are the beneficial owner of everything in it. You are not acting on behalf of an undisclosed third party, and you are not collecting donations on behalf of someone you have not told us about.

4.4 Sanctions and prohibited persons. You are not, and you are not owned or controlled by or acting for, a person who:

• is named on any sanctions list maintained by Australia (DFAT), the United Nations Security Council, the United States (including OFAC's SDN list), the United Kingdom, or the European Union; or
• is located in, ordinarily resident in, or a national of a country or territory subject to comprehensive sanctions; or
• is otherwise prohibited from receiving or sending financial or crypto services under any law that applies to you or to us.

4.5 Restricted jurisdictions. You are not accessing the Service from a jurisdiction where doing so would be unlawful, or where we do not offer it. We may block or restrict access from any jurisdiction at any time, including one we previously allowed. A creator's audience is worldwide, and we may restrict where donations can be sent from as well as who may hold an account.

4.6 One account per person. Unless we agree in writing, you may hold only one creator account. We may close duplicate accounts.

4.7 It is your responsibility to know your own law. Crypto rules differ enormously by country and change often, and so do the rules about accepting money from the public. You are responsible for checking that using PayWeeb is legal where you are, and — if you are a creator — that receiving donations this way is legal for you, including any charity, fundraising or gambling rules that might apply to what you are doing. We are not responsible for your compliance with your local law, and the fact that you were able to open an account is not a statement by us that it is legal for you to do so.

5. Your account and your security responsibilities

This section applies to creators.

5.1 Registration. To use the Service you must register with a valid email address and set a password. You must give us accurate information and keep it up to date. Giving us false information is a breach of these Terms.

5.2 Email verification. You must verify your email address before you can log in. We use your email address for security notices and account recovery, so you must keep access to it and keep it current. If you lose access to your email address, you may lose access to your account and your funds.

5.3 Your credentials are your responsibility. You are responsible for keeping your password and your email account secure. In particular:

• choose a strong password you do not use anywhere else;
• do not share your password with anyone, including anyone claiming to be from PayWeeb;
• do not let anyone else use your account.

5.4 Your alert overlay URL is a credential too. The browser-source URL you put into your streaming software contains a secret token. Anyone who has that URL can watch your incoming donations in real time and can trigger test alerts on your stream. Do not show it on stream, do not paste it into a chat or a support ticket, and do not include it in a screen recording. If it is exposed, rotate it — the setting is in your dashboard. Treat a leaked overlay URL like a leaked password.

5.5 We will never ask for your password. No genuine PayWeeb employee, email, or support message will ever ask you for your password or your overlay URL. Anyone who does is attacking you. We will never ask you to send funds to an address for "verification", "validation", "unlocking", or a refund.

5.6 Activity through your account is treated as yours. Anyone who logs in with your correct credentials can move your funds, and those movements are irreversible. You are responsible for all activity carried out through your account, unless it was caused by our own breach of these Terms, our fraud, or our negligence. This is not a technicality — it is the single most common way people lose crypto.

5.7 Tell us immediately. If you think someone else has your password, has accessed your account, or has gained control of your email address, contact us straight away at [security contact email] and change your password. We will act as quickly as we reasonably can, but we may not be able to stop or reverse a transaction that has already been sent.

5.8 Security measures we apply. We rate-limit login, registration and donation requests, lock accounts after repeated failed logins, and require email verification. These reduce risk; they do not eliminate it, and they do not protect an account whose password has been given away or reused from a site that was breached.

5.9 Account recovery is limited. Because we hold assets for you, we take account recovery seriously and may refuse a recovery request we cannot verify to our satisfaction. We would rather frustrate a genuine user than hand an account, a handle and a balance to an impostor.

6. What PayWeeb is — and what it is not

Please read this section carefully. It describes risks you are accepting.

6.1 PayWeeb is custodial. We hold the keys. You do not.

When a donation arrives, or when you deposit crypto yourself, you do not control it — we do, through our custody provider, CoinPayments. The private keys that can move those assets are held by that provider, not by you.

What this means in practice:

• Your balance shown in the app is our record of what we owe you. It is an entry in our ledger, not a key in your pocket.
• You cannot spend your PayWeeb balance directly on a blockchain. To move it, you ask us to send it, and we send it.
• You are exposed to us and to our custody provider. If we fail, are hacked, become insolvent, lose access to the provider, or if the provider itself fails, freezes accounts, is hacked, or ceases service, you may lose some or all of your assets.
• Nothing about crypto being "decentralised" protects you here. Custody is a trust relationship, and you are choosing to trust us.

If you want to control your own keys, withdraw your balance to a self-custody wallet as it arrives. That is a legitimate choice and we will not stop you.

[your lawyer needs to decide, and this clause needs to state, whether customer assets are held on trust for customers and whether they are held separately from your own assets. Do not leave this vague — it is the clause that matters most if things go wrong. Delete this bracket and state the real position.]

6.2 PayWeeb is not a bank, and there is no deposit insurance

• PayWeeb is not a bank, credit union, building society, or authorised deposit-taking institution. We do not take deposits in the banking sense.
• Your balance is not a bank deposit. It is not covered by the Australian Government's Financial Claims Scheme, by the FDIC or SIPC, by the FSCS, or by any other government deposit guarantee or investor compensation scheme anywhere.
• We do not insure your assets. Unless we say otherwise in writing on our site, there is no private insurance covering loss of customer crypto either.
• We pay no interest, and we do not promise any return of any kind.
• If PayWeeb becomes insolvent, you may rank as an unsecured creditor and may recover little or nothing.

6.3 PayWeeb is not a payment processor for goods or services

The Service is built for gifts. It is not an escrow, not a marketplace, and not a payment processor for a sale.

• We do not hold funds pending delivery of anything.
• We do not verify that a creator delivered what they said they would.
• There is no dispute process between a donor and a creator, because there is no transaction between them that we are a party to.

If you are a creator and you use PayWeeb to take payment for goods, services, subscriptions, or anything else the donor is buying rather than giving, you are doing so at your own risk and outside what this Service is designed for. Donors have no recourse to us in that situation, which is precisely why it is a bad idea.

6.4 PayWeeb does not give financial, investment, tax or legal advice

• Nothing on PayWeeb — no price, chart, rate, list, ordering of assets, email, notification, or support message — is financial product advice, investment advice, a recommendation, or an endorsement of any asset.
• We do not consider your personal circumstances, objectives, or financial situation, and nothing we show you is tailored to you.
• The fact that an asset is available on PayWeeb is not a statement that it is legitimate, safe, valuable, or suitable for you. We may list an asset simply because our provider supports it.
• Every decision to donate, hold or withdraw is yours alone. If you need advice, get it from a licensed professional in your country. If you need tax advice, get it from an accountant.

6.5 Crypto is risky

You accept, and confirm you understand, that:

• crypto asset prices are extremely volatile and can fall to zero;
• you can lose everything you put in, and you should not use funds you cannot afford to lose;
• a balance you leave with us is exposed to the market the whole time it sits there — a donation worth something today may be worth much less by the time you withdraw it;
• markets can become illiquid, meaning you may be unable to convert an asset at any price;
• blockchains can fork, halt, be attacked, or be abandoned, and tokens can be rendered worthless by their own developers or by a bug;
• legal and regulatory changes can make an asset unusable or worthless, sometimes overnight.

Our Risk Disclosure sets this out in full and in plain English. Read it.

7. Your creator page and your handle

This section applies to creators.

7.1 Your handle. When you claim a handle you get a public page at payweeb.com/<handle>. Handles are lowercase, unique, first come first served, and some are reserved — including names that would collide with a route on our site and names chosen to impersonate someone.

7.2 Your page is public. Your handle, display name, tagline and the fact that you accept donations are visible to anyone, including search engines. Do not put anything on it you are not willing to publish. Your email address and your balance are not shown.

7.3 You must not impersonate. You must not claim a handle, choose a display name, or write a tagline that impersonates another person, brand, organisation or charity, or that suggests an endorsement, affiliation, verification or partnership that does not exist. This includes implying that PayWeeb has verified you.

7.4 We may reclaim a handle. We may reclaim, reassign, rename or reserve a handle where it impersonates someone, infringes a trade mark, breaches section 19, was obtained to resell or to squat, or where we are required to. Where we can, we will contact you first. We will not sell handles to the highest bidder.

7.5 A handle is not a verified identity. We do not check who a creator is before issuing a handle, and nobody should treat a PayWeeb page as proof of identity. If you are a donor: confirm the link came from the creator's own channel, profile or video description, not from a direct message, a chat reply, or a search result.

7.6 You can switch donations off. You can disable donations to your page at any time. Doing so stops new donation addresses being issued; it does not affect donations already sent, or your existing balance.

8. How a donation works

8.1 Each donation gets its own address. When a donor starts a donation we create a new deposit address, for one asset, on one network, for that one donation. That address is how we know who the donation is for and which name and message belongs to it. It is not reusable and it is not a permanent address for the creator.

8.2 Do not reuse or share a donation address. Because an address identifies a single intended donation, funds sent to an address that has already been paid, or sent by someone other than the person the address was issued to, may be credited to the wrong donation record, may be credited without the name and message you expected, or may not be credited at all. Start a new donation each time.

8.3 Donation requests expire. A donation address is shown with a time window. If you send after it expires, we may be unable to attribute your payment, and recovering it may be impossible or may require work we are not obliged to undertake. [state the expiry window here in words once it is fixed.]

8.4 Right asset, right network. Many assets exist on more than one blockchain network. You must send the exact asset over the exact network shown with the address. Sending USDT on the wrong chain, or sending a token to an address issued for a different chain, will usually destroy the funds permanently. Some assets also require a destination tag or memo; if one is shown, it must be included.

8.5 Confirmations. A donation is credited only after the blockchain network has confirmed it to the number of confirmations our provider requires. Until then the creator's balance does not change and no alert fires. How long that takes depends on the network, not on us. Do not expect an alert to appear the instant you press send.

8.6 What arrives is what is credited. A transfer may be reduced by fees charged by the network or by our custody provider before it reaches us. We credit what actually arrives, less our fee, not what the donor intended to send.

8.7 What we cannot recover. We will not be able to recover, and are not responsible for, transfers that are:

• sent to the wrong address, including an address that belongs to someone else;
• sent over the wrong network;
• of an asset we do not support, or a token we do not support on that network;
• sent without a required destination tag or memo, or with the wrong one;
• sent to an expired or already-used donation address;
• sent from a smart contract, exchange, or service in a way our provider cannot attribute;
• sent as part of an unusual transaction type our provider does not detect.

In some of these cases recovery is technically impossible for anyone. In others it may be theoretically possible but require our provider's cooperation and significant work; we are not obliged to attempt it, and if we do attempt it we may charge a reasonable fee and cannot promise success.

8.8 Chain reorganisations and reversals. If a donation is credited and the underlying blockchain transaction is later reversed, orphaned, or found to be invalid, we may reverse the credit, including where this makes a balance negative. The creator must repay any resulting shortfall.

8.9 Source of funds. You must not donate assets that are the proceeds of crime or that you are not entitled to. Donating stolen or laundered funds to a creator does not clean them, and it exposes the creator to a freeze through no fault of their own. We may ask a creator where funds came from and may hold them until we get a satisfactory answer (see section 21).

8.10 Minimums. Donations below a minimum amount may be uneconomic to credit or to withdraw and may be refused. Where a minimum applies it will be shown with the address.

9. Our fee

9.1 We take 1% of every donation. Our platform fee is 1% of the gross amount credited. The creator receives the remaining 99%.

9.2 When it is taken. The fee is deducted at the moment the donation is credited, in the same accounting entry, so a creator's balance only ever shows the amount that is actually theirs. There is no separate invoice and no later deduction.

9.3 What the donor sees. The donor's name, message and the gross amount they sent are what the creator's page and alert overlay show. The 1% comes out of what reaches the creator, not out of what the donor sends.

9.4 It is separate from network fees. Blockchain fees are paid to the network, not to us, and are on top of this. On a small donation over an expensive network, network fees can be a much larger share of the amount than our 1% is. See sections 8.6 and 17.

9.5 We may change it. We may change our fee. A change takes effect when published and applies only to donations credited after that. It is never applied retrospectively. Section 31 governs how we notify creators of a change.

10. Donor names, messages, and the alert overlay

10.1 What a donor types is published. A donor may enter a name and a message with their donation. Both are shown to the creator and are rendered into the creator's alert overlay. In normal use that overlay is on a live stream. Assume anything typed there will be seen by a large number of strangers, recorded, clipped and re-uploaded, and will remain online permanently and beyond anyone's control.

10.2 Donors: do not put anything private in there. Do not include your real name unless you mean to, your address, your email, your phone number, a link you would not post publicly, or anything about another person. We cannot un-broadcast a message once it has been shown, and we cannot remove it from someone else's recording. See the Privacy Policy.

10.3 Limits. A donor name is limited to 40 characters and a message to 280. We render both as plain text — no formatting, no images, no scripts. A donation can be sent without a name or a message.

10.4 We do not read it first. Donor text is not moderated by us before it is shown. There is no human in the loop and no automated approval step. A creator who puts our overlay on a live stream is choosing to broadcast text typed by strangers, in real time, unreviewed. See section 11.

10.5 The overlay URL is secret. Your browser-source URL contains a token that authorises whoever holds it to receive your alerts and to fire test alerts. See section 5.4. The test button exists so you can check your layout; using it does not move any money and does not create a donation record.

10.6 We may withhold or remove an alert. We may decline to display, or stop displaying, donor text that appears to breach section 19 — including where it is unlawful, targets a person, or is being used to push content onto a stream. We are not obliged to do so, we cannot do it reliably or in time, and you must not rely on us for it.

11. Content: yours, and what donors send you

This section applies to creators.

11.1 Your page is your responsibility. You are responsible for your handle, display name, tagline and anything else you publish through the Service. It must be lawful, must not infringe anyone's rights, and must not breach section 19.

11.2 You are responsible for what you broadcast. If you display our alert overlay, you are responsible for what appears on your stream, including donor text you did not write and did not approve. That is not a technicality — in most places the person who publishes something is answerable for it, and the person publishing your stream is you.

Practical consequences, stated plainly because they cost people money:

• Use your streaming software's delay, and know how to hide the overlay source in one click.
• Do not put the overlay on a stream aimed at children.
• If you are being targeted, switch donations off (section 7.6) rather than hoping the next message will be fine.

11.3 We may remove a page or an account. We may suspend or remove a creator page, reset a handle, disable donations, hide or delete donor text, or suspend an account, where we reasonably believe it is necessary because the content or the conduct is unlawful, infringing, deceptive, impersonating, abusive, breaches section 19, or exposes us or another person to serious risk — or where we are required to by law or by a valid order. Where it is practical and lawful to do so, we will tell you what we removed and why, and you can respond; where the risk is serious or the law requires speed, we will act first.

11.4 Reporting content. Anyone — including a viewer with no PayWeeb account — can report a creator page or donor text to [abuse and takedown email address]. Tell us the handle, what you saw, and when. [state your target response time for abuse reports, and make it one you can actually meet.]

11.5 We are not the publisher of a creator's page. We host creator pages and pass donor text through to overlays. We do not write, commission, endorse or check that material, and to the extent the law allows, a creator's page and a donor's message are that person's content, not ours. This does not affect our obligations under any law that says otherwise, and it does not limit what we may do under section 11.3.

12. Donations are not refundable

12.1 The reason, first. A crypto transfer that has confirmed on a blockchain cannot be reversed by anyone. Not by the donor, not by the creator, not by us, not by our custody provider, and not by a court ordering the network to undo it. There is no chargeback and no dispute button. This is how blockchains work; it is not a policy we chose and not one we can make an exception to.

12.2 So: donations are final. Once a donation is credited, it belongs to the creator, less our fee. You should treat every donation as irreversible from the moment you press send, and you should not send anything you might want back.

12.3 Change of mind is not a ground for a refund. Neither is a creator not doing something you hoped they would do, not reading your message out, not noticing it, or having their stream end before your alert appeared.

12.4 If a creator chooses to return something. A creator may choose to send an equivalent amount back to a donor. If they do, it is a new transfer out of their own balance, it costs network fees, it is not a reversal of the original, and neither we nor the creator is under any obligation to do it. Our 1% fee on the original donation is not returned.

12.5 Where we may still act. Nothing above stops us from reversing a credit that was never valid — an unconfirmed or orphaned transaction (section 8.8), a duplicate credit or system error (section 18), or a payment we are required by law or by a lawful order to freeze or return (section 21).

12.6 Rights that cannot be excluded. If a law that applies to you gives you a right in relation to a payment that cannot be excluded by agreement, this section does not take it away. If you believe you sent a donation by mistake, or that a creator page misled you about who was collecting, tell us at [support email] — we cannot reverse the transfer, but we can look at the page, act under section 11.3, and pass a request to the creator.

13. Deposits you make yourself

Creators can also deposit crypto into their own balance directly, without it being a donation. Deposit addresses of this kind are per creator and per asset, are reusable, and carry no donor name or message. Our 1% donation fee does not apply to them. Everything in sections 8.4 to 8.8 about networks, memos, confirmations and unrecoverable transfers applies to them in the same way.

14. Converting between assets

Where we offer it, you can convert one asset in your balance into another.

14.1 We show you a quote: exactly how much you will pay and exactly how much you will receive, including our fee. If you accept it in time, we execute it against our own liquidity and update your balances.

14.2 A quote has a clock on it. Every quote has an expiry, shown when it is issued. When it expires, it is void, and a new one may be at a worse price.

14.3 We may refuse to quote. If we cannot get a price we trust, or our checks say the price looks wrong, we will refuse to quote rather than give you a price we do not believe.

14.4 A conversion can still fail at execution, if your balance is insufficient when you accept, the quote has expired or been used, or our systems detect a problem. Nothing is debited in that case.

14.5 Conversions are final once executed, including if the price moves against you immediately afterwards.

14.6 Very small amounts — where the result would round to zero, or the fee would consume the whole amount — will be refused.

15. Withdrawals

15.1 Check the address. Then check it again.

A crypto withdrawal cannot be reversed, cancelled, or recalled once it has been broadcast. If you enter the wrong address, choose the wrong network, or omit a required memo or destination tag, your funds are permanently lost. We cannot recover them, and neither can anybody else. This is how blockchains work; it is not a limitation of PayWeeb.

15.2 You are responsible for the destination. You warrant that you own or control the destination address, that it is on the correct network, and that it can receive the asset you are sending. Sending to an address you do not control — including because you were tricked into it — is your loss.

15.3 Address checks are a sanity check, not a guarantee. We validate the format and checksum of an address before we send. That catches typos and malformed addresses. It cannot tell whether an address is yours, whether it is a scammer's, or whether the receiving service supports that asset.

15.4 Memos and destination tags. Some networks require a destination tag or memo. Sending without one, or with the wrong one, will typically lose the funds or leave them stuck with the receiving service. Where a tag is required we will insist on one, but the value you enter is yours to get right.

15.5 Fees and minimums. A withdrawal costs you a network fee paid to the blockchain, which varies with network conditions and is estimated at the time of your quote, plus our withdrawal fee. Both are shown before you confirm. Because network fees vary, there is a minimum withdrawal amount per asset, and it can change with network conditions. A withdrawal below that minimum will be refused. A balance built from small donations on an expensive network can cost more to move than it is worth.

15.6 Withdrawal quotes expire too. After that you must get a new one, at current fees.

15.7 We may delay, review, or refuse a withdrawal. We may hold or decline a withdrawal where we reasonably believe it is necessary — for example where we suspect fraud, account compromise, or a legal or compliance obligation applies (see section 21), or where our systems or our provider are impaired. We will tell you where we are permitted to.

15.8 Timing. We do not control how fast a blockchain confirms a transaction. Once we have broadcast it, delivery time is up to the network.

15.9 Withdrawals are irreversible from our side too. Once we have submitted a withdrawal to our provider or the network, we cannot recall it, regardless of who made the mistake.

16. Availability of the Service

16.1 No guarantee of uptime. The Service is provided on an "as available" basis. We do not promise that it will be available, uninterrupted, or error-free, at any particular time or at all. There is no service level agreement, and no uptime commitment.

16.2 Things that will take the Service down. Planned maintenance, unplanned outages, hardware or power failure, network or internet failure, failures at our hosting, tunnelling, email or custody providers, blockchain congestion or halts, attacks on our systems, and events outside our reasonable control.

16.3 What that looks like for you. Creator pages may be unreachable, so donations cannot be started. Alerts may be late or may not fire at all — a missing alert does not mean a donation was not received, and a received donation does not depend on the overlay working. You may be unable to log in or to withdraw, including at exactly the moment you most want to. Subject to section 28 and to rights you have that cannot be excluded by law, we are not liable for losses caused by your being unable to use the Service, including donations you believe you would otherwise have received and market movements while it was unavailable.

16.4 We may change the Service. We may add, change, suspend, or remove features, assets, or networks at any time. If we stop supporting an asset we will give you reasonable notice where we can, so you can withdraw or convert it, but a network or provider change may force us to act with little or no notice.

16.5 Early-stage. The Service is new and under active development. Bugs are possible. We fix what we find, but you should not treat PayWeeb as a mature, battle-tested platform, and you should not leave more on it than you are comfortable losing. Withdraw regularly.

17. Fees and pricing

17.1 Where fees are set out. Our current fees are published at [fee schedule URL] and are shown to you in the app before you confirm any transaction. Our donation fee is 1% (section 9).

17.2 Always shown before you confirm. For a withdrawal, the quote shows the amount that will leave your balance, the network fee, our fee, and the amount that will arrive. If a screen does not show you a number you need, do not confirm.

17.3 Quotes expire. Every quoted price and fee is valid only for the period shown with it.

17.4 Network fees are estimates until they are spent. Blockchain fees are set by the network, not by us, and can move sharply. We estimate them at quote time and add a margin for safety. We do not refund the difference where the actual network fee turns out lower, and we absorb it where it turns out higher within the quoted window.

17.5 Third-party fees. The sending or receiving service at the other end of a transfer may charge its own fees. We have no control over those.

17.6 Changes to fees. We may change our fees. Changes take effect when published, and apply to transactions you make after that. A change never applies retrospectively to a quote you have already accepted or a donation already credited.

17.7 Taxes are yours. See section 25.

18. Mistakes, and what happens after them

18.1 Blockchain transactions are irreversible. Worth stating once more on its own: there is no chargeback, no dispute button, no reversal, and no central authority who can undo a crypto transaction. If it is sent, it is sent.

18.2 Scams. If you are persuaded to send funds to someone — by an "investment manager", a romantic partner you have not met, someone offering to "recover" lost crypto, a fake support agent, a job offer, a fake charity appeal, or a message that appears to come from us — the funds are gone. We cannot recover them. If something feels urgent, or you are told not to tell anyone, or you are told to hurry before an opportunity closes, stop. Those are the standard features of a scam.

18.3 Impersonation of a creator. A donation link is only as trustworthy as where you got it. See section 7.5. If you believe a PayWeeb page is impersonating someone, report it under section 11.4 — but understand that a report cannot bring back money already sent.

18.4 Our mistakes. If we credit an account with something that is not yours — through a bug, a duplicate credit, a misattributed donation, or a provider error — we may reverse it, and you must not spend it. If you have already withdrawn it, you must return the value to us. You must tell us promptly if you notice a balance or credit you cannot account for.

19. Prohibited uses

You must not use PayWeeb to do any of the following, or to help anyone else do them. This applies to creators, to donors, and to the content of a page or a donor message. This list is not exhaustive.

19.1 Financial crime.

• money laundering, or handling the proceeds of any crime;
• terrorist financing, or financing proliferation of weapons;
• evading, or helping anyone evade, sanctions or export controls;
• bribery, corruption, or tax evasion;
• using donations to move value on behalf of someone you have not disclosed, or to break value into small transfers to avoid a threshold or a check.

19.2 Fraud and theft.

• fraud or deception of any kind, including romance, investment, "pig butchering", charity and impersonation scams;
• soliciting donations for a cause, an emergency, a person, or an organisation that does not exist, or that you have no authority to collect for;
• using funds, payment methods, credentials, or identity documents that are not yours;
• accessing another person's PayWeeb account, or using an overlay token that is not yours;
• ransomware, extortion, or receiving the proceeds of either;
• selling stolen data, stolen goods, or illegal goods and services.

19.3 Harmful content and conduct. Publishing on a creator page, or sending as a donor name or message:

• material that is unlawful where we or the recipient are;
• child sexual abuse material, or any sexualised content involving a minor;
• threats, incitement to violence, or content promoting terrorism;
• harassment, stalking, doxxing, or the personal information of another person;
• content designed to defame someone, or to get a creator banned, sanctioned or harmed by what appears on their own stream;
• content that infringes someone's copyright, trade mark or other rights;
• malware, phishing links, or links intended to deceive a viewer.

19.4 Impersonation and misuse of identity.

• impersonating another person, brand, charity or organisation, in a handle, display name, tagline, donor name or message;
• implying an endorsement, affiliation or verification by PayWeeb or anyone else that does not exist;
• using a VPN, proxy, false address, or false information to hide where you are or who you are, or to get around a restriction we or the law have applied;
• giving us false, stale, or misleading information at any time.

19.5 Abuse of the platform.

• automated access, bots, scrapers, or scripted donation creation, unless we have agreed in writing;
• generating donation addresses you do not intend to pay, at volume;
• probing, scanning, or testing the security of our systems without our written permission; attempting to bypass rate limits, authentication, handle reservations, or any other control;
• denial of service, excessive request volume, or anything that degrades the Service for others;
• creating multiple or fake accounts, or letting someone else use yours;
• exploiting a bug, mispricing, latency, or error in our systems instead of reporting it;
• reverse engineering, decompiling, or copying the Service, except where a law says you may;
• introducing malware, or using the Service to distribute it.

19.6 Anything unlawful. Any use that breaks a law that applies to you, to us, or to the transaction.

20. Your promises to us

Each time you use the Service, you confirm that:

• everything in section 4 that applies to you is true;
• the information you have given us is true, accurate and current;
• the funds you send or receive are lawfully yours and are not connected to crime;
• you are not using PayWeeb for any purpose listed in section 19;
• you understand and accept the risks described in section 6 and in the Risk Disclosure;
• if you are a creator, you have the right to publish everything on your page and to solicit donations for whatever you say you are soliciting them for;
• you are not relying on any advice, recommendation, or promise from us about the value or suitability of any asset, or about any creator, because we have not given you any.

21. Compliance, monitoring, freezing and reporting

21.1 We monitor. We monitor accounts, pages and transactions for fraud, security problems, and unlawful use, and we keep records of activity, including IP addresses and audit logs.

21.2 We may ask you for information. We may ask you to verify your identity, explain the source of funds, or provide documents, at any time — including before releasing a withdrawal. If you do not respond, or your answer does not satisfy us, we may refuse to act on your instructions and may suspend your account.

21.3 We may freeze an account and its funds. We may suspend an account, block a transaction, remove a page, or freeze a balance where we reasonably believe it is necessary to:

• comply with a law, a court order, a regulator's direction, or a request from law enforcement;
• prevent, investigate, or respond to suspected fraud, money laundering, sanctions breach, or other crime;
• protect you, us, a donor, or another user from loss;
• respond to a security incident or a serious system fault.

A freeze may last as long as necessary, which in some cases is set by law rather than by us. A creator can be frozen because of where a donation came from, not because of anything the creator did — that is an unavoidable consequence of accepting money from strangers.

21.4 We may report to the authorities. Where we are required or permitted to, we will report activity to AUSTRAC, the police, regulators, or their equivalents in other countries, and will provide information about you and your transactions in response to a lawful request. We may be legally prohibited from telling you that we have done so, and where that is the case we will not tell you.

21.5 We may act on a lawful order. If a court or authority orders us to freeze, seize, or hand over assets or information, we will comply. Subject to section 28 and to rights that cannot be excluded by law, we are not liable to you for losses caused by our complying with a legal obligation.

21.6 Nothing in these Terms limits what a law requires. If any part of these Terms conflicts with a legal obligation we have, the legal obligation wins.

22. Suspension, termination, and closing your account

22.1 You may leave at any time. You can stop using the Service and ask us to close your account. Before you do, withdraw your balance — closing an account does not automatically send your assets anywhere. Your handle is released when your account is closed and someone else may claim it.

22.2 We may suspend or terminate. We may suspend your access, restrict what you can do, remove your page, or terminate your account and these Terms:

• immediately, where you have breached these Terms, where we reasonably suspect unlawful activity or fraud, where we are required to by law, or where keeping the account or the page live would expose us, a donor, or another user to serious risk;
• otherwise, on reasonable notice, including if we decide to stop offering the Service in your jurisdiction or at all.

22.3 Your assets on termination. If we close your account and there is no legal obstacle, we will let you withdraw your remaining balance to an address you provide, subject to normal fees, minimums, and any verification we reasonably require. We may withhold assets where the law requires it, where they are subject to a freeze or investigation, or where you owe us money under these Terms. Removing a page or a handle does not by itself forfeit a balance.

22.4 If we cannot return your assets. If we cannot reach you, or you do not withdraw, we will deal with the balance in line with the law that applies — including any unclaimed money or dormant account rules. [state your dormant-account policy here, or delete this sentence. Do not quietly keep customer funds; in many places that is unlawful.]

22.5 What survives. Sections 6, 8.7 to 8.9, 12, 18, 21, 23 to 30 and 33 survive termination, along with anything else that by its nature should.

23. Disclaimer of warranties

23.1 To the maximum extent permitted by law, the Service is provided "as is" and "as available", with all faults, and without warranty of any kind.

23.2 To the maximum extent permitted by law, we exclude all implied warranties, conditions and guarantees, including any implied warranty of merchantability, fitness for a particular purpose, title, accuracy, and non-infringement.

23.3 In particular, and without limiting the above, we do not warrant that:

• the Service will be available, uninterrupted, timely, secure, or error-free;
• any defect will be corrected;
• prices, rates, balances, or other information shown are accurate, complete, or current;
• an alert will fire, will fire on time, or will display correctly;
• a donation will be attributed to the name and message the donor entered;
• any creator is who they say they are, or will do anything they said they would;
• any asset available on PayWeeb is legitimate, valuable, suitable, or will continue to exist;
• any transaction will complete, or will complete within any particular time;
• the Service, our systems, or our providers are free of vulnerabilities or will not be compromised.

23.4 Third-party content. Where we display prices, data, links, creator pages or donor messages from third parties, we do not endorse or verify them and are not responsible for them.

23.5 Rights you have that cannot be excluded. Some laws — including the Australian Consumer Law — give consumers guarantees and rights that cannot be excluded, restricted or modified by an agreement like this one. Nothing in these Terms excludes, restricts or modifies any of those rights. Where a guarantee applies and cannot be excluded, but the law allows us to limit our liability for breaching it, our liability is limited to re-supplying the service or paying the cost of having it re-supplied, at our option.

24. Third parties we depend on

24.1 PayWeeb relies on third parties, including our custody and payments provider (CoinPayments), our hosting and network providers, our email provider, and the blockchain networks themselves.

24.2 We do not control those third parties. Their failure, error, downtime, insolvency, security breach, policy change, or decision to freeze or refuse a transaction can prevent us performing, and can cause you loss.

24.3 Subject to section 28 and to rights that cannot be excluded by law, we are not liable for the acts or omissions of a third party we do not control. This does not excuse us from choosing our providers with reasonable care.

24.4 Blockchains are not ours. We do not operate, control, or take responsibility for any blockchain network, its fees, its speed, its rules, its forks, or its failures.

24.5 Streaming platforms are not ours either. Your streaming software, your streaming platform, and their rules about what may appear on a stream are nothing to do with us. If donor text gets you sanctioned by a platform, that is between you and that platform — see section 11.2.

25. Tax

25.1 You are solely responsible for working out and paying any tax that applies to your use of PayWeeb, and for any reporting you must do.

25.2 Creators: donations may be income. In many countries money received through a platform like this is assessable income, whether or not the person sending it called it a gift, and disposing of a crypto asset can be a separate taxable event on top of that. We do not withhold tax, we do not issue tax statements, and we do not file anything on your behalf. Keep your own records.

25.3 We do not provide tax advice and our records are not tax advice. Speak to an accountant who understands crypto in your country.

25.4 We may be required to report information about you and your transactions to tax authorities, and we will comply where we are.

26. Intellectual property

26.1 The Service, including its software, design, text and branding, belongs to us or our licensors. We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use it for its intended purpose.

26.2 You keep ownership of what you publish through the Service — your display name, tagline and page content. You grant us a non-exclusive, worldwide, royalty-free licence to host, store, reproduce and display that material, and to display donor names and messages sent to you, for the sole purpose of operating the Service. That licence ends when the content is removed, except for copies we must keep under section 21 or in our audit and financial records.

26.3 You must not copy, modify, distribute, sell, or create derivative works from the Service, or remove any proprietary notice, except where a law gives you that right regardless.

27. Indemnity

27.1 To the maximum extent permitted by law, you agree to indemnify us and our officers, employees and agents against any loss, liability, cost, claim, penalty, or reasonable legal expense arising out of or connected with:

• your breach of these Terms or of any law;
• your use of the Service, including any transaction you instruct;
• content you publish on a creator page, or that you send as a donor name or message;
• a claim by a third party — including a viewer or a person named in a message — relating to your page, your stream, or your activity;
• information you give us that is false, misleading, or out of date; or
• taxes you were responsible for and did not pay.

27.2 This does not apply to the extent the loss was caused by our own breach of these Terms, our negligence, our fraud, or our wilful misconduct, or to the extent the law does not permit such an indemnity — and it does not apply at all where you are a consumer and the law prevents it.

27.3 We will tell you promptly about any claim we want to be indemnified for, and will not settle it without your consent, which you must not unreasonably withhold.

28. Limitation of liability

Please read this section. It limits what you can recover from us.

28.1 Rights that cannot be excluded come first. Nothing in this section excludes or limits our liability for:

• fraud or fraudulent misrepresentation;
• death or personal injury caused by our negligence;
• any liability that the law does not allow us to exclude or limit, including non-excludable guarantees under the Australian Consumer Law or the equivalent law where you live.

28.2 No liability for indirect loss. Subject to 28.1, and to the maximum extent permitted by law, we are not liable for any indirect, consequential, special, incidental, punitive, or exemplary loss, or for loss of profit, loss of opportunity, loss of anticipated savings, loss of business, or loss of goodwill, however caused.

28.3 Losses we are specifically not liable for. Subject to 28.1, and to the maximum extent permitted by law, we are not liable for loss arising from:

• the price of any crypto asset going up or down, at any time and for any reason;
• your decision to donate, hold, convert, deposit or withdraw anything;
• a transfer you instructed that turned out to be a mistake, including sending to a wrong address, a wrong network, an expired donation address, or with a wrong or missing memo;
• a donation not being attributed, or being attributed to the wrong donor name or message;
• an alert not firing, firing late, or firing when it should not have;
• what a donor typed, or what a creator published, or the consequences of either appearing on a stream;
• what a creator did or did not do after receiving a donation;
• our removing a page, resetting a handle, or disabling donations under section 11.3 or 21.3;
• unauthorised access to your account or your overlay URL using your own credentials, where that was not caused by our breach, negligence or fraud;
• the Service being unavailable, delayed, or degraded (section 16);
• the act, omission, failure, insolvency or security breach of a third party we do not control, including our custody provider and any blockchain (section 24);
• any blockchain event, including congestion, fee spikes, forks, reorganisations, halts, and attacks;
• our complying with a law, court order, or regulator's or law enforcement direction (section 21);
• an event outside our reasonable control (section 33.6).

28.4 Cap on what we can owe you. Subject to 28.1, and to the maximum extent permitted by law, our total liability to you for all claims arising out of or connected with these Terms or the Service, whether in contract, negligence or otherwise, in any 12 month period, is capped at the greater of:

• [currency and figure, e.g. AUD $XXX]; and
• the total fees you paid us in the 12 months before the event giving rise to the claim.

28.5 Honest note about this cap. We are a small operation. This cap reflects what we can realistically stand behind. If it is not acceptable to you, please do not use the Service — that is a reasonable decision and we would rather you made it before sending anything than after.

28.6 Your own liability. Nothing in this section limits your liability to us under section 27, or for amounts you owe us under these Terms.

29. Complaints and disputes

29.1 Talk to us first. If something has gone wrong, contact us at [support email] with the handle involved, what happened, when, and what you would like us to do. You do not need an account to complain to us — a donor or a viewer can use the same address. We will acknowledge your complaint within [number] business days and try to resolve it within [number] business days.

29.2 Then try to resolve it in good faith. If our response does not resolve it, both of us agree to try in good faith to sort it out — including by a phone or video call — for at least 30 days before starting court proceedings. This does not stop either of us seeking an urgent injunction, and it does not stop you contacting a regulator or an ombudsman.

29.3 Disputes with a creator or a donor are not ours. If your complaint is really about what a creator did with a donation, we are not a party to that and cannot arbitrate it. We can act on content under section 11.3, and we can pass on a message. We cannot move money back.

29.4 Your other rights are untouched. Nothing here prevents you from making a complaint to a consumer protection, privacy, online safety or financial regulator, or from exercising a right you have under a law that cannot be excluded.

29.5 Time limit. To the extent the law allows, any claim must be brought within one year of when you first knew, or should reasonably have known, of the facts giving rise to it.

30. Governing law and jurisdiction

30.1 These Terms are governed by the law of [governing law jurisdiction, e.g. New South Wales, Australia].

30.2 You and we submit to the non-exclusive jurisdiction of the courts of [jurisdiction], and of the courts that can hear appeals from them.

30.3 If you are a consumer resident somewhere else, you may have the benefit of mandatory consumer protections, and the right to bring proceedings, in your own country. Nothing in this section takes those rights away from you.

31. Changes to these Terms

31.1 We may change these Terms. We will publish the updated version at https://payweeb.com/terms with a new "Last updated" date.

31.2 Notice to creators. For a change that is materially adverse to you, we will give you at least 30 days' notice by email to your registered address and by a notice in the app before it takes effect — unless the change is required by law, needed to address a security risk or fraud, or must take effect sooner for a reason outside our control, in which case we will give as much notice as we reasonably can.

31.3 Donors. A donor is bound by the version published at the time they donate. We cannot email donors, because we do not have their email addresses, so changes affecting donors take effect when they are published on the donation page and here.

31.4 Your choice. If you do not accept a change, you may close your account and withdraw your balance before the change takes effect, at no charge from us beyond the usual network and withdrawal fees. Continuing to use the Service after a change takes effect means you accept it.

31.5 What we will not do. We will not change these Terms retrospectively to affect a transaction that has already completed.

32. Communications and notices

32.1 We will contact creators by email at the registered address, or by a notice in the app. It is your responsibility to keep your email address current and to read what we send.

32.2 A notice we email you is treated as received on the day it is sent, unless we are told delivery failed.

32.3 You should send us formal legal notices to [legal notices email] and [registered address for legal notices].

32.4 We communicate in English.

33. General

33.1 Entire agreement. These Terms, with the Privacy Policy, the Risk Disclosure and the fee schedule, are the whole agreement between us about the Service, and replace anything said earlier. This does not exclude liability for fraudulent misrepresentation, and it does not affect statements we made that the law treats as binding.

33.2 Severability. If any part of these Terms is found to be unenforceable, that part is read down to the minimum extent needed, or removed, and the rest continues to apply.

33.3 No waiver. If we do not enforce a right straight away, we have not given it up.

33.4 Assignment. You may not transfer your account, your handle or your rights under these Terms. We may transfer ours to another entity that takes over the Service, provided your rights are not materially reduced; we will tell you if we do.

33.5 No third party rights. Nobody other than you and us has any right to enforce these Terms.

33.6 Events outside our control. Neither of us is liable for failing to perform because of something outside our reasonable control — including natural disaster, war, civil unrest, epidemic, power or internet failure, government action, blockchain failure, or the failure of a third party provider — for as long as that event continues. We will let you know if this happens and will resume as soon as we reasonably can.

33.7 Relationship. These Terms do not make either of us the other's partner, agent, employee, adviser, or fiduciary, and we are not your broker. We are not the creator's agent and we do not collect donations on the creator's behalf as their representative — we operate a service that both of you use.

33.8 Headings. Headings and the summary in section 1 are for convenience and do not affect interpretation.

34. Contact us

[full legal entity name] [registered address] [company registration number]

General and support: [support email] Abuse, impersonation and takedown: [abuse and takedown email address] Security issues: [security contact email] Privacy: see the Privacy Policy Legal notices: [legal notices email]

By using PayWeeb you confirm that you have read and understood these Terms, including that we hold crypto for creators rather than you holding it yourself, that we take 1% of every donation, that we are not a bank, that we do not give financial advice, that we do not check who a creator is, that donor names and messages are published, that crypto transactions cannot be reversed and donations are not refundable, and that you can lose money.