Terms of Use

These Terms of Use (the "Terms") form a legally binding agreement between Getting Gold CZ s.r.o., with its registered office at Jaurisova 515/4, 140 00 Prague, Czech Republic, ID. No.: 02844346, (the "Operator", "we", "us" or "our"), and each person who accesses or uses the Loverchat.me website (collectively, the "Platform"). By accessing or using the Platform you ("you") confirm that you are at least 18 years old, have read these Terms, and agree to be bound by them. If you do not agree, you must not use the Platform. We can modify these Terms at any time. Your rights may vary depending on where you are resident when you access our Platform. An integral part of these Terms is the following set of documents: (i) these Terms of Use; (ii) the Privacy Policy; (iii) the Complaints Policy; (iv) the DMCA Notice & Takedown Policy; and (v) the 18 U.S.C. § 2257 Record-Keeping Compliance Statement.

1. ELIGIBILITY & AGE VERIFICATION

1. Users. Use of the Platform is restricted to natural persons who (i) are at least 18 years old (or the age of majority in their jurisdiction, whichever is higher) and (ii) have full legal capacity to enter into a binding contract (the "User"). You must accurately complete any age-verification or identity checks we require.
2. Creators. Accounts that share or monetize original photos, videos, or messages (the "Creator") are restricted to individuals who are at least 21 years old and have successfully completed our enhanced Know-Your-Customer (KYC) process, including government-issued photo ID and a real-time selfie match.
3. Moderators. Content or chat moderators engaged by the Operator (the "Moderator") must be at least 21 years old and pass background screening.

2. ACCOUNT REGISTRATION AND PLATFORM SERVICES

1. Accurate information. You must provide accurate, complete, and up-to-date information during registration and keep it current at all times. You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account.
2. Account suspension. We may suspend or terminate any account—or refuse any registration—in our sole discretion, including for suspected age misrepresentation, duplicate accounts, or breach of these Terms.
3. Scope of Services. The Operator makes the Platform available to Users as a digital marketplace where they may (i) view and purchase Content published by independent Creators, and (ii) exchange messages or real-time chats (“Communication”) with those Creators, all in accordance with these Terms and the options visible in the user interface of the Platform.
4. User-Generated Communication. Communication is initiated, created, and controlled solely by the participating Users and Creators. The Operator merely transmits and stores such Communication and is not responsible for whether a Creator accepts a chat request, replies to a message, starts or stops a stream, or publishes a post.
5. Free and Paid Features. Functions on the Platform are either Free (e.g., reading public posts) or Paid (e.g., private chat, sending gifts, videostream). Each feature is clearly labelled in the interface. Paid features require sufficient Credits in the User’s wallet before they can be accessed.
6. Pricing Control. Each Creator retains sole discretion to set the number of credits, subscription amount, or other fees that apply to their Creator interactions. All applicable prices will be displayed to Users prior to purchase, and the Operator neither dictates nor guarantees any Creator-established rates.

3. VIRTUAL CREDIT SYSTEM AND PAYMENT

1. Credits. The Platform uses an internal virtual currency ("Credits") which allow User to unlock paid content, send virtual gifts, or initiate direct messaging with Creators.
2. Credits are sold in bundles against real currency via approved payment providers (e.g. Stripe) and are non-transferable, non-exchangeable, and non-refundable once purchased, except as required by mandatory law. You cannot request a refund for used Credits.
3. Unused Credits automatically expire 12 months after the purchase date and will be forfeited without compensation.
4. The Operator can, at their own discretion, give the user any number of credits when creating an account or subsequently.
5. All prices include applicable value-added tax (VAT) or other indirect taxes unless expressly stated otherwise.
6. All Users, Creators or Moderators payments or earnings are processed in USD, EUR, or CZK. Your bank, card issuer, or e-wallet provider may levy currency-conversion spreads, foreign-transaction fees, or similar costs that are outside our control. Exchange rates are set by third-party financial institutions, and neither we nor any of our subsidiaries accept responsibility for these additional charges.

4. CONTENT & LICENSING

1. Content. The Content means any photos, videos, text, audio, or other material that Creator or User uploads or transmits on or through the Platform.
2. By posting Content you grant the Operator a worldwide, non-exclusive, royalty-free license to host, store, reproduce, display, adapt, and otherwise use the Content solely for operating, marketing, and improving the Platform.
3. You acknowledge that other Users who lawfully unlock your Content are granted a personal, non-commercial, revocable license to view it on the Platform. Downloading, screen-recording, scraping, or redistributing any Content outside the Platform is strictly prohibited.
4. You represent and warrant that:
   • you own (or hold an appropriate license to) all rights in your Content;
   • all individuals depicted are adults who have given written, informed consent;
   • the Content complies with Section 5 (Prohibited Content) and all applicable laws.

5. USER RIGHTS AND OBLIGATIONS

1. User. A User must be at least 18 years old. To open a User account, you must: (a) provide a valid sign-in e-mail address; (b) create a password; (c) tick the checkbox confirming that you accept these Terms; (d) open the verification e-mail we send you and click the link inside (this will automatically redirect you to complete registration); (e) choose a unique username; (f) confirm that you are at least 18 years old by entering your date of birth; and (g) optionally add additional profile details such as language, location, or a profile photo. Once your free account is active, you may engage with Creator profiles by liking or hearting posts, viewing and commenting on public posts, photos, and albums, and following a Creator to receive her updates.
2. Marketing Messages. Unless and until you as a User make an opt out, you will periodically receive marketing e-mails and reminder notifications (for example about unread messages or new posts) if you have not logged in for a certain time. You may unsubscribe or re-subscribe at any time in your profile settings.
3. Visibility of Private Chats. Private conversations are not end-to-end encrypted. Authorized administrator or Moderator may access them for moderation, safety and support purposes. Further, all communications, including private chats, are continuously monitored by human moderators and automated tools.
4. Prohibited Conduct. You must not: (a) solicit Creators for in-person meetings, sexual services or any form of prostitution, (b) use contact with Creators for commercial purposes, including recruiting them for other platforms or offering unrelated services, (c) engage in vulgar, hateful, racist, sexist or otherwise inappropriate communication anywhere on our Platform, (d) mention, depict or otherwise refer to illegal or abhorrent content or activity, including but not limited to pedophilia, zoophilia, illicit drugs, weapons, terrorism, financial fraud or any similar wrongdoing, (e) impersonate another individual or share your account with, or grant access to, any third party, especially minors, (f) download, copy, redistribute or publicly display any photos, videos or other content obtained through our Platform, (g) use our Platform, or any access to it, for training AI systems, scraping or any automated harvesting of content.
5. Suspension Without Refund. For gross violations of these Terms your account (and associated e-mail, IP address etc.) may be permanently suspended without any refund of Credits or other payments.
6. Appeal Procedure. You may submit a single appeal through the online form. The Operator may, at its sole discretion, review or ignore the appeal. No further appeals are permitted.
7. Reporting to Authorities. In cases of severe misconduct, your account data and any available information may be forwarded to the competent law-enforcement agencies.
8. Right to Refuse Service. The Operator reserves the right, at any time and for any reason, to deny or withdraw access to the Platform or its services, without refund.
9. Right to be Forgotten. You may request permanent deletion of your profile, communications and activities. Accounting records and data required for legal obligations, or data already shared with authorities, will be retained as mandated by law.

6. PROHIBITED CONTENT & CONDUCT

1. The following is strictly forbidden on the Platform:
   • Any material that exploits or depicts minors (under 18) or persons who have not completed identity verification.
   • Incest, bestiality, necrophilia, non-consensual sex, hate, violence, weapons, drugs, human trafficking, or prostitution solicitation.
   • Requests for personal meetings or payments outside the Platform.
   • Harassment, hate speech, or discrimination based on protected characteristics.
   • Sharing personal data of others, impersonation, or account sharing.
   • Use of the Platform for training AI models or automated scraping of Content.
   • Any attempt to circumvent, disable, or otherwise interfere with security or moderation tools.
2. We reserve the right to remove Content, suspend accounts, forfeit Credits, and/or report users to law-enforcement for violations.

7. MONITORING & MODERATION

1. All private chats and messages are not end-to-end encrypted and may be monitored by Moderators and automated systems for safety and compliance.
2. We may take any enforcement actions we deem necessary, including warning, suspension, permanent ban, IP blocking, and disclosure to competent authorities.
3. Users may appeal a suspension once via the form provided on the Platform; the Operator’s decision on appeal is final.

8. CREATOR RIGHTS AND OBLIGATIONS

1. Creator. A Creator must be at least 21 years old. To create and maintain a Creator account, you must provide: (a) a verified e-mail address; (b) a clear photo or scan of a government-issued identity document (national ID card, driver’s license, or passport); (c) a well-lit, recent selfie for identity verification; (d) valid bank-account details for payouts; and (e) any updated information we may reasonably request from time to time (for example, a newer selfie).
2. A Creator must not impersonate any other individual and must not transfer, share, or otherwise grant access to her account to any third party—especially minors. All interactions with Users must be personally undertaken by the Creator; delegating chats or content creation to someone else is prohibited.
3. In the event of a material or egregious breach of these Terms (including but not limited to the prohibitions set out in Section 5), the Operator may permanently block the Creator’s account, without the possibility of appeal and with forfeiture of any unpaid earnings.
4. The Creator shall refrain from publicly defaming, disparaging, or otherwise making negative statements about the Operator or the Platform—whether on social media or elsewhere—both during and after the term of cooperation.
5. Inactivity of the Creator. If the Creator remains inactive on the Platform for more than thirty (30) consecutive days, the Operator may, at its discretion, deactivate the profile and the Creator will lose entitlement to any further payments.
6. Termination. The Creator may terminate her participation at any time. Upon explicit written request, the Operator will delete the Creator’s profile, content, chats, and associated personal data, except for information we are legally required to retain.
7. Payments. Payments to Creators are processed on the 1st and 15th day of each calendar month and are transferred to the payout account specified in the Creator’s profile. The amount payable to the Creator equals the portion of the User’s Credit payment spent to unlock the relevant Creator Content, after deduction of our current fee. The amount of the fee is set out in separate documents, and the Operator is entitled to change this amount of fee at any time after prior notice.
8. Self-billing. By creating and maintaining a Creator account, you grant the Operator a continuing written mandate to prepare and issue self-billed tax invoices on your behalf for your revenue share of Credits that Users spend on your Content and related services (each a “Self-Billed Invoice”). Each Self-Billed Invoice will be generated in compliance with all applicable tax legislation—including the EU VAT Directive and local implementing laws—and delivered to you electronically no later than the corresponding payout date. You undertake not to raise any separate invoice for the same supplies and to notify the Operator without undue delay of any change to your VAT registration, legal name, address, or other details relevant to this arrangement. A Self-Billed Invoice is deemed accepted by you immediately upon issuance. If you identify a material error, you must inform the Operator in writing within seven (7) days so that a corrective document can be issued. The Operator may amend or re-issue Self-Billed Invoices to correct clerical mistakes or to comply with requests or guidance from competent tax authorities.
9. VAT and TAX. If you are a Creator established in a member state of the European Union, you must comply with all applicable VAT and Tax legislation, including charging and remitting VAT where required. You are solely responsible for filing any required tax returns and paying all taxes arising from your earnings on the Platform. Failure to fulfil your tax obligations may result in suspension or termination of your account.

9. MODERATOR RIGHTS AND OBLIGATIONS

1. Duty-Period Oversight. During each assigned duty period, a Moderator must carry out random spot-checks of every chat and all content posted by the Creators allocated to them.
2. Reporting & Interim Enforcement. The Moderator must promptly inform the Operator of any prohibited content or misconduct by Users or Creators. When a gross violation is detected, the Moderator must place the offending content in quarantine and temporarily block the relevant User or Creator; the Operator then decides on final action.
3. Age Requirement. Every Moderator must be at least 21 years old.
4. Verification Documents. To obtain and maintain Moderator status, you must provide: (a) a verified e-mail address; (b) a verified telephone number; and (c) a clear scan or photo of a government-issued ID (national ID card, driver’s license, or passport).
5. Payout Schedule. Remuneration is paid on the 1st and 15th day of each calendar month to the bank account specified by the Moderator, subject to receipt of the Moderator’s invoice.
6. Self-billing. By creating and maintaining a Creator account, you grant the Operator a continuing written mandate to prepare and issue self-billed tax invoices on your behalf for your revenue share of Credits that Users spend on your Content and related services (each a “Self-Billed Invoice”). Each Self-Billed Invoice will be generated in compliance with all applicable tax legislation—including the EU VAT Directive and local implementing laws—and delivered to you electronically no later than the corresponding payout date. You undertake not to raise any separate invoice for the same supplies and to notify the Operator without undue delay of any change to your VAT registration, legal name, address, or other details relevant to this arrangement. A Self-Billed Invoice is deemed accepted by you immediately upon issuance. If you identify a material error, you must inform the Operator in writing within seven (7) days so that a corrective document can be issued. The Operator may amend or re-issue Self-Billed Invoices to correct clerical mistakes or to comply with requests or guidance from competent tax authorities.
7. Self-billing. By entering into a Moderator Agreement with us, and once we have created a Moderator account for you, you grant the Operator a continuing written mandate to prepare and issue self-billed tax invoices on your behalf, covering your revenue from the content-moderation services you provide (each a “Self-Billed Invoice”). Each Self-Billed Invoice will be generated in compliance with all applicable tax legislation—including the EU VAT Directive and local implementing laws—and delivered to you electronically no later than the corresponding payout date. You undertake not to raise any separate invoice for the same supplies and to notify the Operator without undue delay of any change to your VAT registration, legal name, address, or other details relevant to this arrangement. A Self-Billed Invoice is deemed accepted by you immediately upon issuance. If you identify a material error, you must inform the Operator in writing within seven (7) days so that a corrective document can be issued. The Operator may amend or re-issue Self-Billed Invoices to correct clerical mistakes or to comply with requests or guidance from competent tax authorities.
8. Compensation Calculation. Each payout is automatically calculated according to the current Moderator Compensation Schedule in force for the relevant duty period. The Operator is entitled to change the amount of compensation at any time after prior notice.
9. Confidentiality. A Moderator is bound by a strict duty of confidentiality. You may not disclose to any third party any information—personal, financial, or otherwise—that you learn while performing moderation duties, except as required by law or expressly authorized in writing by the Operator.
10. Non-Disparagement. Moderators must not publicly disparage or make negative statements about the Operator or the Platform, including on social media, during or after the collaboration.
11. No Unauthorized Contact. Moderators may not contact Users or Creators for any purpose unrelated to their moderation duties.
12. Immediate Termination for Serious Breach. Any serious violation of these obligations may result in immediate termination of the collaboration without entitlement to unpaid remuneration.

10. EXCLUSION OF LIABILITY

1. Mandatory Law Preserved. Nothing in these Terms excludes or limits liability where such exclusion or limitation would be unlawful. Users retain all non-waivable protections granted by the mandatory laws of their country of residence.
2. Users. The Operator acts only as a neutral Platform (see Article 13). To the fullest extent permitted by law, the Operator and its affiliates, owners, employees, and agents are not liable to any User for loss of profit, business, revenue, data, goodwill, or for any indirect or consequential loss arising from use of the Platform. If you are a User resident in the United States, the Operator’s total liability to you for all claims is limited to USD 250 per claim.
3. Creators & Moderators. To the fullest extent permitted by law, the Operator and its affiliates: (a) exclude all implied warranties and conditions not expressly set out in these Terms; (b) are not liable for loss or damage that is not a foreseeable consequence of a breach; (c) are not liable for loss of profits, sales, business, revenue, anticipated savings, opportunity, goodwill, reputation, data, or for indirect or consequential loss; (d) are not liable for any copying, distribution, or infringement of your Content, for doxing by third parties, or for delays or failures caused by events outside reasonable control.
4. Damage Limitation. The total aggregate liability of the Operator to any Creator or Moderator—whether in contract, tort (including negligence), breach of statutory duty, or otherwise—shall be limited to the lesser of (i) one hundred percent (100 %) of the total amounts paid to you by the Operator during the preceding twelve (12) months, or (ii) USD 5 000 (five thousand United States dollars).

11. GOVERNING LAW & DISPUTE RESOLUTION

1. Choice of Law. To the fullest extent permitted by the mandatory laws of your place of residence, these Terms—together with any non-contractual disputes or claims arising out of or in connection with your use of the Platform as User, Moderator or Creator—are governed by, and must be interpreted in accordance with, the laws of England and Wales. Consumer Users may nevertheless rely on any non-waivable protections granted by the laws of the country in which they habitually reside.
2. Forum Selection. Any dispute or claim arising out of or in connection with these Terms or your use of the Platform shall be submitted to the exclusive jurisdiction of the competent courts in Prague, Czech Republic. The User, who is a consumer, may also file a complaint with the respective national consumer protection authorities or seek alternative dispute resolution tools.

12. PLATFORM STATUS & LIABILITY

1. This Platform function solely as a neutral online hosting service within the meaning of Section 230 (c)(1) CDA and the safe-harbour rules of 17 U.S.C. § 512 (DMCA) and Articles 12–15 of the EU E-Commerce Directive / Digital Services Act. The Operator is not the publisher, author, or producer of any content uploaded by Users or Creators and exercises no routine editorial control over it.
2. User-Creator Contract. Interactions between a User and a Creator—including custom-content requests, private messaging, or any other direct engagement—occur under a separate agreement exclusively between those two parties (the “User-Creator Contract”). We merely operate and moderate the Platform that makes such exchanges possible; we are not a party to any User-Creator Contract (or any other agreement between Users and Creators) and assume no liability arising out of those interactions.
3. Accordingly, the Operator bears no responsibility for the legality, accuracy, or propriety of such content, nor for any conduct or communications of Creators or Users; all interactions and obligations arising from that content remain exclusively between the relevant parties.

Last updated: 09.07.2025