Terms of Use

FANCHAT - TERMS OF USE FanChat Mobile & Web Application Operated by: ChatsPub Ventures (OPC) Private Limited Effective date: 24 October 2026 Website: https://www.fanchat.in Legally binding agreement These Terms of Use ("Terms") form an agreement between you (a "User", "Fan" or "Creator") and ChatsPub Ventures (OPC) Private Limited ("Company", "FanChat", "we", "us" or "our"). They govern use of the FanChat website, applications, content, software, paid digital features, in-app usage credits, support tools and related services (together, the "Platform"). By creating an account or using the Platform, you agree to these Terms and applicable published policies. If you do not agree, do not use FanChat. Eligibility is strictly 18 years+ and above strictly 1. DEFINITIONS For the purposes of these Terms of Use, the following definitions shall apply: 1.1 Account: A registered profile created by an individual to access the FanChat Platform and its services. 1.2 User: An individual aged 18 years or above who registers on the FanChat mobile application to access digital services offered by verified Creators. Exception- For users between age group 12-18 years should submit a written parental consent duly signed by the parents and submit to us on our official mail id - fanchat.users@gmail.com. Approval shall be subject to internal verification from Fanchat 1.3 Creator: An individual aged 18 years or above, including a content creator, influencer, expert, or professional, who has been approved and verified by FanChat to provide eligible digital services through the FanChat Creators mobile application. For users between age group 12-18 years should submit a written parental consent duly signed by the parents and submit to us on our official mail id - fanchat.creators@gmail.com. Approval shall be subject to internal verification from Fanchat Creators 1.4 Virtual Coins: Digital usage credits purchased by Users or provided through promotional offers. Virtual Coins are exclusively intended for accessing eligible services within FanChat. They are not legal tender, cryptocurrency, electronic money, or a means of transferring funds between individuals. 1.5 User Wallet: An in-app digital ledger that records Virtual Coins purchased, credited, spent, or adjusted in a User's account. Upon successful payment, the purchased Virtual Coins are credited to the User Wallet. These coins can be used exclusively to access eligible services, including text chats, audio calls, video calls, subscriptions, and exclusive digital content offered by Creators. Virtual Coins cannot be withdrawn as cash, transferred to another User or Creator, or redeemed outside the Platform. 1.6 Creator Wallet: A separate in-app earnings ledger maintained for approved Creators. When a User spends Virtual Coins to access an eligible service provided by a Creator, the corresponding transaction is recorded by the Platform. After deduction of applicable platform fees, commissions, taxes, and other disclosed adjustments, the Creator's eligible share is credited to the Creator Wallet as earnings. 1.7 Creator Earnings and Withdrawals: Earnings credited to the Creator Wallet represent the amount payable to the Creator for eligible services delivered through the Platform, subject to verification, applicable deductions, and payout conditions. Creators may request withdrawals of eligible earnings to their verified bank accounts after completing the required KYC and meeting applicable withdrawal conditions. Payouts are processed in Indian Rupees (INR) through authorized banking or payment channels. 1.8 Restriction on Direct Coin Transfers: FanChat does not permit direct transfers of Virtual Coins, wallet balances, or funds between Users and Creators. A User must access and consume an eligible service through the Platform for the applicable Virtual Coins to be deducted from the User Wallet. Following a valid service transaction, the Platform calculates the Creator's share, deducts applicable platform charges, and credits the corresponding earnings to the Creator Wallet. Such credits constitute service-related earnings and not a direct transfer of Virtual Coins or money from the User to the Creator. 1.9 Content: All digital material shared, uploaded, published, or transmitted through the Platform, including messages, photographs, videos, audio recordings, profiles, stories, posts, and other supported content. 1.10 Services: Digital offerings available through FanChat, including text chats, audio calls, video calls, consultations, appointment bookings, subscriptions, exclusive digital content, live sessions, and other features enabled by the Platform. 1.11 Applicable Law: All relevant laws, rules, regulations, judicial orders, and binding regulatory directions applicable in India. 1.12 Clarification of the Virtual Coin and Creator Earnings System FanChat operates a service-based digital credit and creator monetization system. Users purchase Virtual Coins solely to access services available on the Platform. Upon successful payment, these coins are credited to the User Wallet. When a User accesses a paid service, the applicable number of Virtual Coins is deducted from the User Wallet according to the disclosed service pricing. The Platform deducts its applicable fees and charges, and the Creator's share is credited to the Creator Wallet as eligible earnings against the completed service transaction. Creators may subsequently request withdrawal of their eligible earnings in Indian Rupees to their verified bank accounts, subject to KYC, payout eligibility, applicable deductions, and Platform policies. Virtual Coins are non-transferable and cannot be directly sent, gifted, withdrawn, or exchanged for cash by Users. Creator payouts arise exclusively from eligible service transactions and do not constitute peer-to-peer money transfers or direct transfers of User Wallet balances. 2. Acceptance Of Terms By creating an account or otherwise using FanChat, you expressly represent and warrant that: • you possess legal capacity to enter into a binding contract; • all information submitted by you is accurate and complete; • you shall comply with these Terms at all times; • you shall comply with all applicable laws; • you shall not use FanChat for unlawful purposes; • you accept electronic execution of these Terms; • you understand that continued use of the Platform constitutes acceptance of future amendments. These Terms remain enforceable until your account is permanently deleted and all legal obligations have been satisfied. 3. Eligibility FanChat is strictly available only to individuals aged 18 years or above with exception for 12 year and above as stated above. This applies to all Users, Fans, Creators, Experts, Professionals and other account holders, including free and paid features. A person under 18 may not register, access or use FanChat, even with parental or guardian consent. By using FanChat, you confirm that you are at least 18 and legally eligible to enter into this agreement. We may ask for date-of-birth declarations, government-issued age documentation or additional verification when reasonably needed. False age information, inability to satisfy verification, or evidence of an underage account may result in refusal, restriction or termination. No under-18 exception applies. Users must also be legally permitted to use the Platform in their jurisdiction. 4. Platform Description FanChat is a digital social communication and creator monetization platform designed to enable interactions between Fans and Creators. Features may include: • Chats Audio Calls • Video Calls • Virtual Coins • Wallet Services • Creator Monetization • Fan / User Subscriptions • Premium Content • Virtual Gifts • Stories • Profile Pages • Search Features • Notifications • Customer Support • Promotional Campaigns • Referral Programs • Verification Services • AI-powered Moderation • Safety Systems The Company may introduce, modify, suspend or discontinue any feature at its sole discretion, subject to applicable law. No User acquires any vested right in any particular feature merely because it has previously been made available. 5. Nature Of The Platform FanChat is a technology platform enabling Users to discover and interact with approved creators, influencers, experts and professionals through paid digital engagement, including chat, audio/video calls, online appointments or consultations and premium digital content where enabled. It is not a dating, matchmaking, escort, sexual-content or paid-companionship platform. Such solicitation or services are prohibited. The Company provides technical infrastructure and related payment and support arrangements; it is not itself an employment agency, financial institution, healthcare provider, law firm or provider of the advice exchanged between independent participants. Creators act independently, not as employees, partners or agents of the Company solely by virtue of Platform registration. The Company may facilitate bookings and transactions but does not guarantee results, professional competence or service outcomes. Applicable consumer and regulatory rights remain unaffected. 6. Modification Of Terms The Company may amend these Terms from time to time. Updated Terms shall become effective upon publication on the Platform or website unless otherwise specified. Your continued use of FanChat after publication constitutes your acceptance of the revised Terms. If you disagree with any amendment, your sole remedy is to discontinue using the Platform and close your account. 7. User Registration And Account Creation 7.1 Registration In order to access certain features of the Platform, Users must create a registered FanChat account. The Company may permit registration using one or more of the following methods: • Mobile Number with OTP verification • Email Address • Google Sign-In • Apple Sign-In • Other third-party authentication providers approved by the Company The Company reserves the right to modify, discontinue, add or remove any registration method at any time. 7.2 Accuracy of Information You agree that every piece of information submitted during registration or at any later time shall be: • accurate; • complete; • truthful; • current; • not misleading; and • legally permitted to be shared. Providing false, inaccurate, misleading or fraudulent information constitutes a material breach of these Terms and may result in immediate suspension or permanent termination of your account. 7.3 One Individual One Primary Account Unless expressly authorized in writing by the Company, each individual may maintain only one personal Fan account and one Creator account, where applicable. The Company reserves the right to identify and merge, suspend or permanently remove duplicate, fake, automated or multiple accounts. 7.4 Account Security You are solely responsible for maintaining the confidentiality of: • OTPs • passwords • login credentials • authentication tokens • registered devices • recovery methods You shall immediately notify the Company if you suspect unauthorized access. The Company shall not be liable for losses arising from your failure to secure your credentials. 7.5 Electronic Communications By registering an account, you consent to receive communications from the Company electronically, including: • emails; • SMS; • WhatsApp messages where permitted; • push notifications; • in-app notifications; • security alerts; • policy updates; • payment confirmations; • promotional communications (subject to applicable law and your preferences). Electronic communications shall satisfy any legal requirement that communications be in writing. 8. Identity Verification (KYC) 8.1 Right to Verify To maintain platform integrity and user safety, ChatsPub Ventures (OPC) Private Limited reserves the unrestricted right to verify the identity of any User at any time. Verification may be mandatory before accessing certain features, including but not limited to: • Creator registration; • withdrawals; • premium monetization; • subscription services; • promotional programs; • high-value transactions. 8.2 Verification Documents The Company may request one or more of the following: • Government-issued photo identification • PAN Card • Aadhaar Card (where voluntarily provided and processed in accordance with applicable law) • Passport • Driving Licence • Bank account verification • Selfie verification • Live facial verification • Video verification • Mobile verification • Email verification • Address verification Additional documentation may be requested where reasonably necessary for fraud prevention, security or legal compliance. 8.3 Verification Decision Verification approval is solely at the discretion of the Company. Submission of documents does not guarantee verification. The Company may: • approve; • reject; • suspend; • revoke; • request additional information. The Company is under no obligation to disclose internal verification criteria except where required by law. 8.4 Continuous Verification Verification may be repeated periodically. The Company may require re-verification whenever: • suspicious activity is detected; • ownership changes are suspected; • identity inconsistencies arise; • regulatory requirements change. Failure to complete re-verification may result in temporary suspension or permanent removal of platform access. Creator onboarding and source verification. Creators must be at least 18 and complete applicable KYC, identity and bank verification before payouts. Where relevant, professional licences and social-profile checks may be requested. Verification is a platform eligibility control, not a warranty or regulatory endorsement. Aadhaar or sensitive identification must be requested and processed only by lawful methods and where necessary. 9. User Account / Fan account 9.1 Nature of Fan Accounts A Fan account permits eligible Users to interact with Creators through the Platform. Available features may include: • private chats; • voice calls; • video calls; • subscriptions; • premium content; • virtual gifts; • coin purchases; • wallet services; • stories; • promotional campaigns. Availability of features may vary based on jurisdiction, account status, age verification and platform policies. 9.2 Fan Responsibilities Every Fan agrees to: • communicate respectfully; • comply with applicable laws; • refrain from harassment; • avoid abusive language; • avoid hate speech; • refrain from threatening behaviour; • respect Creator boundaries; • comply with payment obligations. Fans acknowledge that Creators may decline communications at their discretion. 9.3 Off-Platform Transactions Fans shall not encourage Creators to: • accept direct bank transfers; • receive cash; • receive cryptocurrency; • receive payments outside FanChat; • move conversations to unauthorized third-party platforms for the purpose of avoiding platform fees. Violation may result in immediate suspension. 10. Creator Accounts 10.1 Eligibility Creator accounts are available only after successful review by ChatsPub Ventures (OPC) Private Limited. The Company reserves absolute discretion regarding Creator approvals. Approval is not guaranteed. 10.2 Independent Status Creators acknowledge and agree that they are independent service providers. Nothing contained in these Terms creates: • employment; • partnership; • agency; • franchise; • consultancy; • fiduciary relationship; • employer-employee relationship. Creators remain solely responsible for: • taxation; • GST compliance (where applicable); • statutory registrations; • professional licences; • accounting records. 10.3 Creator Earnings Eligible Creators may earn through: • chats; • voice calls; • video calls; • subscriptions; • virtual gifts; • premium content; • promotional campaigns; • other monetization features introduced by the Company. The Company may modify: • earning percentages; • commission structures; • pricing; • payout schedules; • withdrawal limits; • incentives. Such changes shall become effective in accordance with applicable law and Company policy. 10.4 Creator Obligations Creators shall: • maintain professional conduct; • avoid misleading representations; • refrain from unlawful activities; • respect User privacy; • comply with Community Guidelines; • avoid discrimination; • avoid abusive conduct; • avoid solicitation for off-platform payments. Creators shall not guarantee: • friendship; • romantic relationships; • marriage; • employment; • investment returns; • financial advice; • legal advice; • medical advice. 10.5 Creator Verification Badge Verification badges remain the exclusive property of the Company. The Company may: • grant; • suspend; • remove; • revoke; • modify verification status at any time. Verification does not constitute endorsement, certification or guarantee of a Creator. 11. User Responsibilities Every User shall: • comply with these Terms; • comply with Community Guidelines; • maintain accurate account information; • protect login credentials; • use the Platform lawfully; • avoid fraudulent conduct; • cooperate with investigations; • comply with payment obligations. Users remain solely responsible for: • communications; • uploaded content; • financial decisions; • interactions with other Users. The Company does not guarantee the conduct, identity, honesty or reliability of any User. 12. Username, Profile, Bio And Content Requirements Every profile created on FanChat must accurately represent the User. The following are prohibited: • impersonation; • fake identities; • misleading usernames; • offensive usernames; • obscene profile pictures; • nudity; • sexually explicit content; • violent imagery; • hate symbols; • copyrighted material without authorization; • trademarks owned by others; • fake verification claims. The Company may remove or modify any profile element that violates these Terms or applicable law. Repeated violations may result in permanent account termination without compensation. 13. Fanchat Wallet 13.1 Digital Wallet FanChat provides an in-application digital wallet ("Wallet") through which eligible Users may purchase and use Virtual Coins to access features and services available on the Platform. The Wallet is solely a digital record maintained by the Company for the convenience of Users. It is not a bank account, payment account, deposit account, prepaid payment instrument, or stored-value facility unless expressly stated otherwise under applicable law. The Wallet may only be used within FanChat and shall not be transferable, assignable, pledged, or exchanged except as expressly permitted by the Company. 13.2 Wallet Balance The Wallet balance reflects Virtual Coins credited to your account after successful payment processing or promotional credits granted by the Company. The Company may temporarily delay, suspend, or reverse wallet credits if: • payment authorization is pending; • fraud is suspected; • a technical error occurs; • a chargeback is initiated; • payment is reversed by a financial institution; or • required by law or regulatory authorities. The Company's records regarding wallet balances and transactions shall be presumed accurate unless proven otherwise through verifiable evidence. 14. Virtual Coins 14.1 Nature of Virtual Coins Virtual Coins are digital units licensed by ChatsPub Ventures (OPC) Private Limited for use exclusively within FanChat. Virtual Coins: • are not legal tender; • are not electronic money; • are not cryptocurrency; • are not securities; • do not represent ownership in the Company; • do not accrue interest; • have no independent cash value outside the Platform. Users receive a limited, revocable, non-transferable, non-exclusive license to use Virtual Coins solely for eligible services within FanChat. 14.2 Purchase of Virtual Coins Users may purchase Virtual Coins using payment methods approved by the Company, including but not limited to: • UPI; • debit cards; • credit cards; • net banking; • digital wallets; • in-app purchase systems; or • other authorized payment methods. The Company reserves the right to: • determine available payment methods; • set minimum or maximum purchase limits; • decline any transaction; • conduct fraud screening; • impose verification requirements. 14.3 Use of Virtual Coins Virtual Coins may be used only for purposes authorized by the Company, including: • chats; • audio calls; • video calls; • subscriptions; • premium content; • digital gifts; • exclusive features; • promotional services. The Company may introduce or discontinue eligible uses at any time. 14.4 No Ownership Rights Users acknowledge that purchasing Virtual Coins does not create any ownership interest in the Coins. The purchase grants only a limited contractual license to access eligible digital services offered through the Platform. The Company retains all rights, title, and interest in the Virtual Coin system. 14.5 Expiry and Forfeiture Where permitted by applicable law, the Company may establish policies relating to: • expiry of promotional credits; • inactivity; • bonus coins; • campaign rewards. Users shall be informed of applicable expiry conditions where required. Closed-system restriction. Purchased Fan coins are non-transferable usage units only within FanChat. They cannot be transferred between fans, sent to Creator bank accounts, withdrawn, resold, exchanged for cash, used as a remittance or accepted outside FanChat. Coin balances and Creator earning balances are distinct accounting systems, and a deduction of User coins does not constitute a transfer of those coins or stored funds to a Creator. FanChat must operate the arrangement in accordance with any applicable payments law or regulator guidance; wording here does not substitute for regulatory classification. 15. Payments 15.1 Payment Processing Payments made on FanChat are processed through independent third-party payment service providers. The Company does not store complete debit card numbers, credit card numbers, CVV values, UPI PINs, or internet banking passwords. Payment processing remains subject to the terms of the respective payment providers. 15.2 Pricing The Company may determine: • pricing of chats; • pricing of calls; • subscription fees; • Creator commissions; • convenience charges; • taxes; • promotional discounts. Pricing may vary by Creator, feature, campaign, location, or subscription tier. 15.3 Taxes Applicable taxes, including Goods and Services Tax (GST), may be charged where required under Indian law. Users remain responsible for taxes applicable to their own transactions where required by law. Creators remain responsible for their own income tax, GST registration (if applicable), and statutory filings. Transparent charges and checkout. Coin-pack prices, relevant usage rates, fees and applicable taxes must be visible in Indian rupees (₹) on the website Pricing page or in the payment/usage interface before the User commits. A transaction summary and receipt or invoice will be provided as applicable. If a feature shows its usage cost in coins, the exchange basis and debit rate must be disclosed before use. Where automatic renewals are offered, billing cadence, cancellation method and applicable price must be shown before consent. Payment routes. A purchase may be processed through an authorised payment gateway or an applicable mobile app marketplace's billing system, depending on the device, channel and governing platform rules. The Company must use payment routes permitted for its actual service category. Purchases made via marketplace billing may also be subject to the marketplace's rules. Nothing in these Terms represents that payment gateway or regulatory approval has already been granted. 16. Creator Earnings 16.1 Earnings Eligible Creators may earn income through: • chat interactions; • audio calls; • video calls; • subscriptions; • virtual gifts; • premium content; • promotional campaigns; and • other monetization features introduced by the Company. Earnings become payable only after being calculated under the Company's payout policies. 16.2 Commission ChatsPub Ventures (OPC) Private Limited reserves the right to retain a platform commission from eligible transactions. The applicable commission may vary depending on: • promotional campaigns; • Creator level; • feature category; • applicable taxes; • operational costs. The Company may revise commission structures from time to time. 16.3 Withdrawal Eligibility Creators may request withdrawals only after satisfying all applicable conditions, including: • successful identity verification; • completion of KYC requirements; • minimum withdrawal threshold; • valid bank account verification; • compliance with Company policies. The Company may withhold payouts pending investigation of suspicious activity or where required by law. 16.4 Settlement Time Subject to verification and operational requirements, eligible withdrawals are generally processed within the timeline communicated by the Company. Processing times may vary due to banking holidays, technical issues, compliance reviews, or force majeure events. Separate settlement arrangement. Creators do not receive transfers of Fan coin balances or direct payments from other Users through the Fan Wallet. The Company calculates eligible earnings for completed services and may deduct a disclosed platform fee, reversals, applicable taxes, statutory withholding or lawful adjustments. Creators may request an eligible payout only to a verified bank account after KYC and minimum-threshold checks. Subject to completion of all requirements and lawful holds, approved withdrawals will ordinarily be initiated within seven business days; actual bank credit can be affected by bank processing, holidays, compliance checks and payment partners. The Creator dashboard or applicable creator agreement should display current commissions, thresholds and any additional settlement rules. The Company should not publish this service-level commitment unless operationally achievable. 17. REFUNDS & CANCELLATION 17.1 General Refund Policy FanChat provides digital services through Virtual Coins purchased by Users. Once Virtual Coins have been successfully credited to the User Wallet, purchases are generally non-refundable. Virtual Coins that have already been used to access services, including chats, audio calls, video calls, subscriptions, or exclusive content, are also non-refundable, except in cases of verified service failure, billing errors, or where a refund is required by applicable law. 17.2 Refund Request and One-Hour Reporting Window In the event of a payment failure, non-delivery of purchased Virtual Coins, duplicate payment, or change of mind, Users must submit a refund or cancellation request within ONE (1) HOUR of making the purchase. All requests must be emailed exclusively from the registered email address associated with the User's FanChat account to our official customer support email: Email: fanchat.user@gmail.com The refund request must include: • Registered FanChat email address and User details. • Transaction ID, Payment ID, or Order ID. • Date, time, and amount of payment. • Relevant payment screenshots or transaction receipts. • Correct and active contact number for verification. • A clear explanation of the issue or reason for the refund request. Users must provide accurate, genuine, and verifiable information. Requests received from unregistered email addresses may require additional identity verification before processing. Requests submitted after the one-hour reporting window may be declined for discretionary cancellations or change-of-mind refunds. However, complaints concerning failed payments, non-delivery, unauthorized transactions, or other legally protected claims will be reviewed in accordance with applicable laws and payment-system requirements. 17.3 Failed Payments and Non-Delivery of Virtual Coins If payment is successfully deducted but the purchased Virtual Coins are not credited to the User Wallet, FanChat will investigate the transaction upon receiving the necessary details. Following verification, FanChat will generally: • Credit the missing Virtual Coins within two (2) business days of verification; or • Initiate an eligible refund through the original payment method. We aim to acknowledge payment-related complaints within 24–48 hours and provide a resolution or decision within seven (7) calendar days of receiving a complete complaint, subject to applicable mandatory timelines. 17.4 Refund Approval and Processing Timeline Approved refunds will generally be initiated to the original payment method within five (5) business days of approval. Depending on the bank or payment service provider, an additional five (5) to ten (10) business days may be required for the refunded amount to appear in the User's account. Any shorter mandatory refund or reversal deadline prescribed by applicable law, RBI regulations, or payment-system rules shall take precedence. 17.5 Change of Mind and Service Cancellation Users requesting cancellation due to a change of mind must email FanChat Support within one (1) hour of purchase. Such requests may be considered only if the purchased Virtual Coins remain unused and the applicable service has not been consumed. Approval is subject to verification and FanChat's Refund & Cancellation Policy. Completed chats, audio calls, video calls, and accessed premium content are generally non-refundable, except in cases of verified service failure or where required by applicable law. Where an advance-booked service is cancelled by the Creator or FanChat without being delivered, the eligible unused service amount will be restored or refunded in accordance with the applicable cancellation terms. 17.6 Shipping and Delivery Policy FanChat is an exclusively digital platform offering online services and Virtual Coins for in-app usage. No physical products or goods are sold, shipped, or delivered to any User's residential or business address. Purchased Virtual Coins are credited electronically to the User Wallet following successful payment confirmation, and eligible services are delivered digitally through the FanChat application. Therefore, no physical Shipping or Delivery Policy is applicable to FanChat, and no shipping charges, courier services, or physical delivery timelines apply. 17.7 Customer Support and Dispute Resolution Users are encouraged to contact FanChat Support regarding payment failures, missing coins, incorrect charges, or refund-related concerns before initiating a payment dispute or chargeback. Official Support Email: fanchat.user@gmail.com FanChat will review complaints based on submitted evidence, payment records, wallet transactions, and applicable policies. Nothing in this clause restricts a User's statutory right to approach their bank, payment provider, or an appropriate consumer grievance authority. For complete refund procedures and eligibility conditions, Users should refer to the separate Refund & Cancellation Policy, which shall apply alongside these Terms of Use, subject to applicable law. 18. Chargebacks And Payment Reversals Users are encouraged to contact FanChat support promptly about missing coins, duplicate debits, unauthorized payments or service problems so that records can be reviewed. This request does not restrict any lawful right to contact a bank, card issuer, payment provider, regulator or consumer authority. Official Support Email: fanchat.user@gmail.com Knowingly false claims, fabricated evidence, payment fraud or deliberate abuse of chargeback processes may lead to appropriate investigation, reversal of improperly credited benefits, or account measures where lawful. We may maintain relevant payment receipts, coin-credit records, service-use logs, timestamps and communications for proportionate dispute handling and compliance. We will cooperate with authorized payment partners and competent authorities as legally required. 19. Fraud Prevention To protect Users and the integrity of the Platform, ChatsPub Ventures (OPC) Private Limited may employ manual and automated fraud detection systems. The Company may investigate activities including, but not limited to: • payment fraud; • identity fraud; • money laundering indicators; • bonus abuse; • referral abuse; • account takeovers; • unauthorized access; • suspicious transaction patterns. The Company may suspend, restrict, or terminate accounts and withhold transactions where reasonably necessary to prevent fraud, comply with legal obligations, or protect the Platform. 20. Communication Services 20.1 Available interaction services. The Platform may support one-to-one text chats, audio calls, video calls, bookings, online consultations, live sessions, voice notes, stories, posts, premium content, subscriptions and other disclosed features. Actual availability depends on the account, location, app version, verification and the feature launch status. Paid features are identified with applicable rates or charges before use. 20.2 Independent participants. Creators may accept, decline, reschedule or end interactions subject to published booking and refund terms. The Company operates the technical infrastructure and may intervene for moderation, fraud prevention and legal compliance. The Company does not guarantee that any Creator will respond, remain continuously available or achieve a particular outcome. 20.3 Responsible communications. Each User is responsible for messages, media and interactions they create or transmit, and must secure any lawful permissions before recording or sharing another person's content. Do not disclose another person's private information, abuse or threaten participants, or request off-platform payments. User-generated content and communications may be reported and investigated in accordance with the Privacy Policy and applicable law. 20.4 Professional services and emergencies. Where a qualified professional offers permitted services, that professional remains responsible for relevant qualifications, licences, conduct, disclosures and legally compliant delivery. FanChat itself does not provide medical, legal, financial or other regulated professional advice. Any information shared through the Platform is not emergency assistance. Users should contact appropriate emergency or licensed services as needed. 21. User Generated Content 21.1 Ownership Except as expressly provided herein, Users retain ownership of intellectual property rights in content originally created by them. However, by uploading, publishing, transmitting or otherwise making content available through FanChat, the User grants ChatsPub Ventures (OPC) Private Limited the licenses described in this Agreement. 21.2 Platform License The User grants the Company a worldwide, non-exclusive, royalty-free, sublicensable, transferable license to: • host; • store; • cache; • reproduce; • copy; • process; • compress; • adapt; • translate; • modify solely for technical compatibility; • publicly display within the Platform; • distribute through Platform infrastructure; • back up; • archive; • index; • analyze; • improve; • secure; • moderate; • transmit, such content for the limited purpose of operating, maintaining, improving, securing, marketing and providing the FanChat Platform, subject to applicable law. This license shall continue for as long as reasonably necessary to provide the Services and comply with legal obligations. 21.3 User Warranty Each User represents and warrants that: • they own the content uploaded; or • possess all necessary permissions and licenses; • such content does not violate any applicable law; • such content does not infringe third-party intellectual property rights; • such content does not violate privacy rights; • such content is not defamatory; • such content is not fraudulent. Users shall remain solely liable for any legal consequences arising from uploaded content. Data handling limitation. This content licence exists only to operate, secure, deliver, troubleshoot, improve and, where lawful, promote the Platform. It does not override privacy, confidentiality, professional secrecy or statutory user rights. Content involving other people requires appropriate permissions. 22. Prohibited Content Users shall not upload, publish, transmit or otherwise make available content that: • promotes terrorism; • promotes organized crime; • promotes child exploitation; • contains child sexual abuse material; • promotes human trafficking; • promotes self-harm; • promotes suicide; • promotes violence; • promotes hatred against protected groups; • encourages criminal conduct; • violates court orders; • infringes copyright; • infringes trademarks; • infringes patents; • infringes publicity rights; • contains malware; • distributes viruses; • distributes ransomware; • distributes spyware; • impersonates another person; • contains fake government documents; • contains forged financial documents; • contains fraudulent investment schemes; • promotes pyramid schemes; • promotes money laundering; • promotes illegal gambling; • violates export control laws; • violates sanctions laws; • violates privacy rights. The Company reserves the absolute right to immediately remove such content without prior notice. 23. Platform Moderation 23.1 Moderation Rights ChatsPub Ventures (OPC) Private Limited may, at its discretion: • review content; • investigate complaints; • verify reports; • remove content; • restrict visibility; • reduce distribution; • disable monetization; • suspend accounts; • permanently terminate accounts. Moderation decisions may be based upon: • user reports; • automated detection; • artificial intelligence systems; • trusted flaggers; • law enforcement requests; • judicial directions; • internal compliance reviews. Nothing in these Terms obligates the Company to monitor all User activity continuously. 23.2 Artificial Intelligence The Company may utilize artificial intelligence and automated systems to: • detect spam; • identify scams; • identify abusive behaviour; • identify fake accounts; • identify coordinated manipulation; • identify prohibited content; • identify payment fraud; • identify suspicious device activity. Automated systems may recommend enforcement actions. Final decisions may be reviewed manually where appropriate. Reporting and enforcement. Private communications may be investigated in response to reports or lawful requests, using permitted technical and human review measures. The Company does not promise blanket real-time monitoring of all calls or chats. Where applicable law requires notice, complaint acknowledgment, specific takedown timing or human review, those requirements will govern. The Platform prohibits exploiting minors and unlawful sexual material even though account eligibility is strictly 18+. 24. Reporting Violations Users may report: • fake profiles; • harassment; • impersonation; • fraud; • copyright infringement; • privacy violations; • abusive conduct; • hate speech; • illegal activity; • child safety concerns. Submission of a report does not guarantee any particular enforcement action. The Company reserves sole discretion regarding investigations and outcomes. False reporting intended to harass other Users may itself constitute a policy violation. 25. Blocking Users Users may block other Users through available Platform tools. Blocking generally prevents future communication between the affected Users through supported features. Blocking does not: • delete historical records retained by the Company; • affect ongoing legal investigations; • prevent compliance with court orders; • eliminate legal obligations. 26. Intellectual Property Rights 26.1 Company Ownership Unless otherwise indicated, all intellectual property relating to FanChat, including: • software; • source code; • object code; • databases; • APIs; • algorithms; • machine learning models; • user interfaces; • workflows; • graphics; • icons; • logos; • trademarks; • service marks; • domain names; • business methods; • documentation; • marketing materials; • audio; • visual designs; • animations; • compilations; • layouts; • trade dress; are owned by or licensed to ChatsPub Ventures (OPC) Private Limited and are protected by applicable intellectual property laws. 26.2 Restrictions Except with prior written authorization, Users shall not: • copy the Platform; • reproduce software; • reverse engineer; • decompile; • disassemble; • modify source code; • create derivative works; • scrape data; • use bots; • use crawlers; • use automated scripts; • bypass security; • interfere with APIs; • mirror Platform content; • commercially exploit Platform assets. Violation may result in immediate legal action. 27. Copyright Complaints Any person claiming copyright infringement may submit a written complaint containing: • identification of the copyrighted work; • identification of the allegedly infringing material; • ownership details; • contact information; • supporting evidence; • a declaration of good faith. The Company may remove allegedly infringing content pending investigation. Repeat infringers may have their accounts permanently terminated. 28. User Feedback Users may voluntarily submit: • ideas; • feature requests; • suggestions; • bug reports; • feedback; • recommendations. Unless otherwise agreed in writing, all such submissions may be used by ChatsPub Ventures (OPC) Private Limited without restriction, compensation or attribution, subject to applicable law. 29. Platform Security Users shall not: • attempt unauthorized access; • test vulnerabilities without authorization; • bypass authentication; • interfere with servers; • overload infrastructure; • manipulate rankings; • artificially inflate engagement; • interfere with payment systems; • interfere with moderation systems. The Company may investigate security incidents and cooperate with cybersecurity experts, payment partners and competent authorities. 30. Enforcement Of These Terms 30.1 Company's Right to Enforce ChatsPub Ventures (OPC) Private Limited reserves the right to investigate any suspected violation of these Terms, applicable law, Community Guidelines, Creator Policy, Privacy Policy, Refund Policy, or any other Platform policy. The Company may take any action reasonably necessary to protect the Platform, its Users, business interests, reputation, intellectual property, employees, contractors, partners, payment providers, and the public. Such actions may be taken with or without prior notice where permitted by applicable law. 30.2 Types of Enforcement Without limiting any other rights available under law or these Terms, the Company may: • issue warnings; • temporarily restrict Platform features; • suspend chats; • suspend calling privileges; • suspend monetization; • freeze Wallet balances where legally permissible; • reverse promotional benefits where permitted by law; • withhold Creator payouts pending investigation; • remove content; • disable subscriptions; • restrict profile visibility; • revoke verification badges; • suspend accounts; • permanently terminate accounts; and • pursue civil or criminal remedies where appropriate. The choice of enforcement action shall be at the Company's reasonable discretion, taking into account the nature and seriousness of the violation. 31. Account Suspension The Company may temporarily suspend an account where there are reasonable grounds to believe that: • these Terms have been violated; • Community Guidelines have been violated; • fraudulent activity has occurred; • identity verification is incomplete or inconsistent; • payment abuse is suspected; • unauthorized access has occurred; • the account poses a security risk; • a competent authority requires such action; or • suspension is necessary to protect Users or the Platform. During suspension, access to some or all Platform features may be restricted. Suspension does not automatically entitle the User to compensation or refunds, except where required by applicable law. 32. Permanent Termination The Company may permanently terminate an account for serious or repeated violations, including but not limited to: • impersonation; • identity fraud; • payment fraud; • repeated abusive conduct; • distribution of unlawful content; • infringement of intellectual property rights; • circumvention of Platform controls; • use of automated bots; • unauthorized commercial exploitation of the Platform; • repeated violations after prior warnings. Termination may include: • disabling account access; • removal of public profile information; • cancellation of subscriptions; • revocation of verification; • restriction on creating new accounts, subject to applicable law. Where legally required, the Company may retain certain records after termination for fraud prevention, legal compliance, dispute resolution, audits, and enforcement. 33. Fraud Prevention And Platform Integrity The Company is committed to maintaining a trustworthy platform and may implement technical, operational, and administrative measures to detect and prevent fraudulent, deceptive, abusive, or unlawful activities. Investigations may relate to: • fake identities; • account farming; • coordinated abuse; • referral manipulation; • fake engagement; • unauthorized payment methods; • stolen financial instruments; • suspicious login patterns; • collusion between Users; • exploitation of promotional offers; • manipulation of platform metrics. Users agree to cooperate with reasonable investigations and provide information where lawfully requested. 34. Regulatory And Legal Compliance The Company may disclose information or take appropriate action where required to: • comply with applicable laws; • respond to lawful requests from government authorities; • comply with judicial orders; • comply with regulatory directions; • protect the rights, safety, or property of the Company or others; • investigate suspected unlawful conduct. Nothing in these Terms shall prevent the Company from complying with mandatory legal obligations. 35. Disclaimers The Platform and all services are provided on an "as is" and "as available" basis. To the maximum extent permitted by applicable law, the Company does not warrant that: • the Platform will operate uninterrupted; • the Platform will be error-free; • communications will always be successful; • any particular Creator will be available; • any User will behave in a particular manner; • content will always remain available; • services will be compatible with every device or network. Users acknowledge that internet-based services may be affected by factors beyond the Company's reasonable control. 36. Limitation Of Liability To the maximum extent permitted by applicable law, ChatsPub Ventures (OPC) Private Limited, its directors, officers, employees, affiliates, contractors, licensors, and service providers shall not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or loss-of-profit damages arising from or related to the use of the Platform. Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law. 37. User Indemnity You agree to defend, indemnify, and hold harmless ChatsPub Ventures (OPC) Private Limited and its affiliates, directors, officers, employees, contractors, licensors, and representatives from and against any claims, losses, liabilities, damages, costs, or expenses (including reasonable legal fees) arising out of or relating to: • your breach of these Terms; • your unlawful conduct; • your infringement of third-party rights; • content uploaded by you; • misuse of the Platform; or • violation of applicable law. This indemnity survives the termination of your account to the extent permitted by law. 38. Force Majeure The Company shall not be liable for any delay or failure in performing its obligations where such delay or failure results from events beyond its reasonable control, including but not limited to: • natural disasters; • floods; • earthquakes; • fires; • epidemics or pandemics; • acts of government; • war; • civil unrest; • cyberattacks; • widespread internet outages; • power failures; • failures of third-party service providers. The Company will use commercially reasonable efforts to resume services when practicable. 39. Dispute Resolution The Parties are encouraged to first attempt to resolve disputes through good-faith discussions by contacting the Company's designated support or grievance channels. If a dispute cannot be resolved amicably, it shall be addressed in accordance with the dispute resolution mechanism and applicable laws specified by the Company and the governing legal framework. Nothing in this clause limits any statutory rights available to consumers under applicable law. 40. Governing Law These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles. 41. Jurisdiction Subject to any valid dispute resolution mechanism agreed under applicable law, the courts having jurisdiction over the registered office of ChatsPub Ventures (OPC) Private Limited shall have exclusive jurisdiction over disputes arising from or relating to these Terms, unless applicable law requires otherwise. Any court or legal cases should be heard, filed and processed in High Court, Nagpur ONLY 42. Severability If any provision is held invalid or unenforceable, the remaining provisions continue to apply insofar as legally permitted. A provision shall be interpreted as narrowly as reasonably possible to make it effective without impairing mandatory legal protections. 43. Waiver Failure by the Company to enforce any provision of these Terms on one occasion shall not constitute a waiver of its right to enforce that or any other provision in the future. 44. Assignment The Company may assign or transfer its rights and obligations under these Terms as part of a merger, acquisition, restructuring, sale of assets, or other corporate transaction, subject to applicable law. Users may not assign or transfer their rights or obligations under these Terms without the Company's prior written consent. 45. Entire Agreement These Terms, together with the Privacy Policy, Refund Policy, Community Guidelines, Creator Policy, and any additional policies expressly incorporated by reference, constitute the entire agreement between the User and ChatsPub Ventures (OPC) Private Limited regarding the use of FanChat. 46. Survival Provisions relating to intellectual property, payments, indemnity, limitation of liability, dispute resolution, governing law, data retention where permitted, and any other provisions that by their nature are intended to survive, shall continue to remain in effect after termination or closure of the User's account. 47. Creator Rankings, Levels And Badges 47.1 Creator Levels The Company may establish Creator levels, rankings, performance categories, badges, achievement programs, VIP status, featured status or similar recognition programs. Eligibility may be based on factors including, but not limited to: • account compliance; • profile completeness; • user engagement; • ratings and reviews; • content quality; • activity levels; • earnings; • adherence to Platform policies; and • other criteria determined by the Company. No User has a vested right to any level, badge, ranking or designation. 47.2 Modification or Revocation The Company may grant, modify, suspend or revoke any Creator level, badge, verification status, ranking or promotional designation at its reasonable discretion, including where: • eligibility requirements are no longer met; • Platform policies are violated; • suspicious activity is detected; • operational or commercial considerations require changes. Such actions do not create any entitlement to compensation. 48. Subscriptions The Platform may offer recurring or fixed-term subscriptions for Fans, Creators or other Users. Subscription benefits may include: • premium chats; • exclusive content; • priority access; • subscriber-only communications; • enhanced profile features; • promotional benefits. Subscription fees, duration, renewal, cancellation and applicable taxes shall be disclosed at the time of purchase. Recurring subscriptions shall continue until cancelled in accordance with the applicable subscription terms and the policies of the relevant app store or payment provider. Auto-renewal and cancellation. If any subscription renews automatically, the price, billing frequency, renewal conditions and cancellation route must be disclosed before purchase. A cancellation stops future renewals according to the disclosed cut-off. Refunds for a current billing period follow purchase disclosures, the Refund & Cancellation Policy, applicable app-store rules and law. 49. Virtual Gifts The Platform may provide optional digital gifts as a form of in-app engagement where enabled. Gift pricing and any coin deduction will be disclosed before the transaction. Gifts are not legal tender, cash deposits, investment products or direct money transfers. Users cannot cash out gifts or redeem gifts outside authorised FanChat features. Any earnings attributed to eligible Creators through gifts are calculated by the Company under the separate creator-earnings system and are subject to identity verification, platform fees, taxation, fraud controls and payout eligibility. Successfully delivered digital gifts are generally final, except for duplicate charges, verified technical non-delivery, unlawful or unauthorised transactions, or where applicable law requires a remedy. Promotional gifts may be governed by disclosed campaign conditions. 50. Stories, Posts, Reels And Temporary Content The Platform may permit Users to publish temporary or permanent content including stories, photographs, videos, posts and status updates. The Company may establish retention periods for temporary content. Users acknowledge that although content may no longer be publicly visible after the applicable period: • backups; • legal archives; • security records; • moderation records; or • compliance copies may continue to be retained where reasonably necessary or required by applicable law. 51. Referral Programs And Promotions From time to time, the Company may introduce referral programs, promotional campaigns, contests, loyalty rewards, bonus coin offers or similar promotional initiatives. Participation is voluntary and subject to the specific terms of each promotion. The Company reserves the right to: • verify eligibility; • modify campaign rules; • suspend promotional benefits; • cancel fraudulent participation; • recover improperly awarded benefits where permitted by law. The Company's decisions regarding promotional eligibility shall be final, subject to applicable law. 52. Beta Features The Company may release experimental, beta, preview or early-access features. Such features may: • contain defects; • change without notice; • be discontinued; • operate with limited functionality. Beta features are provided for evaluation purposes and may not be suitable for production use. 53. Advertising And Third-Party Services The Platform may display advertisements, sponsored content or links to third-party services. The Company does not control third-party products or services and is not responsible for their availability, content or practices. Users accessing third-party services do so at their own discretion and subject to the applicable third-party terms. 54. Application Updates The Company may release updates, upgrades, patches or new versions of FanChat. Certain updates may be mandatory for continued use of the Platform. Failure to install required updates may result in limited functionality or inability to access certain services. 55. Device And Network Requirements Users are solely responsible for: • compatible devices; • internet connectivity; • mobile network charges; • data usage charges; • electricity costs; • maintenance of their equipment. The Company is not responsible for interruptions caused by third-party internet or telecommunications providers. 56. App Store Terms Where FanChat is downloaded through a third-party application marketplace, including Google Play or the Apple App Store, Users acknowledge that additional terms imposed by the relevant marketplace may apply. Nothing in these Terms limits any rights that Users may have under mandatory policies applicable to such marketplaces. 57. Electronic Records And Consent Users consent to: • electronic contracts; • electronic communications; • electronic records for in app activity, coins spend, purchases; • electronic acceptance of policies; • digital acknowledgements; Electronic records maintained by the Company may be used for operational, compliance and evidentiary purposes to the extent permitted by applicable law. 58. Grievance Redressal Users may report payment issues, harmful content, impersonation, safety concerns and other grievances using the official support channels in Section 60. The Company will acknowledge and address complaints within time limits required by applicable Indian law, with an aim to acknowledge general complaints within 24 hours and resolve qualifying general grievances within seven days, subject to any shorter statutory deadline. The separate Grievance Redressal Policy provides procedures and escalation information, and takes priority where law requires a more specific timetable. 59. Changes To The Platform The Company may, at its discretion: • introduce new services; • discontinue existing services; • modify features; • change pricing; • revise eligibility criteria; • redesign the Platform; • change monetization models. Such modifications shall not constitute a breach of these Terms, provided that applicable legal obligations are respected. 60. Contact Information Operator: ChatsPub Ventures (OPC) Private Limited Grievance Officer: Mr. Aditya Mendhe Support / grievance email: fanchat.services@gmail.com WhatsApp support: +91 8010618296 (WhatsApp channel; not represented as a voice helpline) Registered office: Plot No. 93, Misal Layout, Post Jaripatka, Nagpur, Maharashtra – 440014, India Website: https://www.fanchat.in The Company will publish any additional required business-registration details, verified business-domain email or contact information on its official website once confirmed. Please use the contact details listed on the current Contact page for the latest official channels. 61. Effective Date Effective date: 24 October 2026. These Terms apply from the effective date shown, subject to any law requiring specific notice or consent. We may publish subsequent revisions on the Platform and will communicate material changes where required. Use after the effective date of a properly communicated revision may constitute acceptance, subject to mandatory consent rights.

REFUND & CANCELLATION POLICY FanChat Operated by ChatsPub Ventures (OPC) Private Limited Effective Date: August 4, 2026 TABLE OF CONTENTS 1. PURPOSE This Policy is intended to: • provide transparency regarding purchases made through FanChat; • establish fair refund procedures; • reduce payment disputes; • protect Users and Creators; • protect the commercial interests of ChatsPub Ventures (OPC) Private Limited; comply with applicable consumer protection laws. Nothing in this Policy limits any non-waivable rights available under applicable law. --- 2. APPLICABILITY This Policy applies to: • Fans; • Creators; • Verified Creators; • Subscribers; • Wallet Users; • Virtual Coin purchasers; • users purchasing digital services; • any person making payments through FanChat. --- 3. DIGITAL SERVICES FanChat provides digital services including: • Paid interactions • Virtual Coins; • chats; • audio calls; • video calls; • Creator subscriptions; • premium content; • digital gifts; • Wallet services; • future digital services introduced by the Company. These services are delivered electronically and are generally made available immediately after successful payment. --- 4. VIRTUAL COINS Virtual Coins are digital units licensed by ChatsPub Ventures (OPC) Private Limited for use exclusively within FanChat. Virtual Coins: • are not legal tender; • are not cryptocurrency; • are not electronic money; • have no cash value outside FanChat; • cannot be exchanged between Users unless expressly permitted by the Company; • remain subject to the Company's Terms of Use. Purchasing Virtual Coins grants a limited license to use them within the Platform and does not transfer ownership of the Virtual Coin system. --- 5. GENERAL REFUND PRINCIPLE 5.1 General Refund Policy FanChat provides digital services through Virtual Coins purchased by Users. Once Virtual Coins have been successfully credited to the User Wallet, purchases are generally non-refundable. Virtual Coins that have already been used to access services, including chats, audio calls, video calls, subscriptions, or exclusive content, are also non-refundable, except in cases of verified service failure, billing errors, or where a refund is required by applicable law. 5.2 Refund Request and One-Hour Reporting Window In the event of a payment failure, non-delivery of purchased Virtual Coins, duplicate payment, or change of mind, Users must submit a refund or cancellation request within ONE (1) HOUR of making the purchase. The refund amount shall be refunded to the user in 5 business working days subject to policy All requests must be emailed exclusively from the registered email address associated with the User's FanChat account to our official customer support email: Email: fanchat.user@gmail.com The refund request must include: • Registered FanChat email address and User details. • Transaction ID, Payment ID, or Order ID. • Date, time, and amount of payment. • Relevant payment screenshots or transaction receipts. • Correct and active contact number for verification. • A clear explanation of the issue or reason for the refund request. Users must provide accurate, genuine, and verifiable information. Requests received from unregistered email addresses may require additional identity verification before processing. Requests submitted after the one-hour reporting window may be declined for discretionary cancellations or change-of-mind refunds. However, complaints concerning failed payments, non-delivery, unauthorized transactions, or other legally protected claims will be reviewed in accordance with applicable laws and payment-system requirements. 5.3 Failed Payments and Non-Delivery of Virtual Coins If payment is successfully deducted but the purchased Virtual Coins are not credited to the User Wallet, FanChat will investigate the transaction upon receiving the necessary details. Following verification, FanChat will generally: • Credit the missing Virtual Coins within two (2) business days of verification; or • Initiate an eligible refund through the original payment method. We aim to acknowledge payment-related complaints within 1-2 working days and provide a resolution or decision within seven (7) calendar days of receiving a complete complaint, subject to applicable mandatory timelines. 5.4 Refund Approval and Processing Timeline Approved refunds will generally be initiated to the original payment method within five (5) business days of approval. Depending on the bank or payment service provider, an additional five (5) to ten (10) business days may be required for the refunded amount to appear in the User's account. Any shorter mandatory refund or reversal deadline prescribed by applicable law, RBI regulations, or payment-system rules shall take precedence. 5.5 Change of Mind and Service Cancellation Users requesting cancellation due to a change of mind must email FanChat Support within one (1) hour of purchase. Such requests may be considered only if the purchased Virtual Coins remain unused and the applicable service has not been consumed. Approval is subject to verification and FanChat's Refund & Cancellation Policy. Completed chats, audio calls, video calls, and accessed premium content are generally non-refundable, except in cases of verified service failure or where required by applicable law. Where an advance-booked service is cancelled by the Creator or FanChat without being delivered, the eligible unused service amount will be restored or refunded in accordance with the applicable cancellation terms. 5.6 Shipping and Delivery Policy FanChat is an exclusively digital platform offering online services and Virtual Coins for in-app usage. No physical products or goods are sold, shipped, or delivered to any User's residential or business address. Purchased Virtual Coins are credited electronically to the User Wallet following successful payment confirmation, and eligible services are delivered digitally through the FanChat application. Therefore, no physical Shipping or Delivery Policy is applicable to FanChat, and no shipping charges, courier services, or physical delivery timelines apply. 5.7 Customer Support and Dispute Resolution Users are encouraged to contact FanChat Support regarding payment failures, missing coins, incorrect charges, or refund-related concerns before initiating a payment dispute or chargeback. Official Support Email: fanchat.user@gmail.com FanChat will review complaints based on submitted evidence, payment records, wallet transactions, and applicable policies. Nothing in this clause restricts a User's statutory right to approach their bank, payment provider, or an appropriate consumer grievance authority. For complete refund procedures and eligibility conditions, Users should refer to the separate Refund & Cancellation Policy, which shall apply alongside these Terms of Use, subject to applicable law. Except where required by applicable law or expressly stated in this Policy, purchases of Virtual Coins, subscriptions, digital gifts, chats, calls, premium content, and other digital services are generally non-refundable once the purchased digital service has been delivered, activated, or consumed. This policy reflects the nature of digital services, which are made available immediately after purchase. --- 6. ELIGIBLE REFUND SCENARIOS Subject to verification, a refund may be considered in circumstances such as: 6.1 Failed Payment with No Coin Credit If your payment is successfully debited but the corresponding Virtual Coins are not credited due to a verified technical issue, the Company may: credit the missing Virtual Coins; or issue a refund through the original payment method, where appropriate. --- 6.2 Duplicate Payment If the same transaction is charged more than once due to a verified technical or payment processing error, the Company may reverse the duplicate charge or issue an appropriate refund. --- 6.3 Technical Failure Where a digital service cannot be delivered because of a verified technical issue attributable to the Platform and the service has not been consumed, the Company may, at its discretion and subject to applicable law: • restore the service; • provide equivalent Virtual Coins; issue a refund. --- 6.4 Unauthorized Transactions If you believe an unauthorized transaction has occurred, you must notify the Company promptly using the designated support channels. The Company may request information reasonably necessary to investigate the matter, including identity verification and transaction details. Refund decisions will be made after appropriate review and may involve coordination with payment service providers. --- 7. NON-REFUNDABLE TRANSACTIONS Unless required by applicable law, refunds are generally not available for: • Virtual Coins already used; • completed chats; • completed audio calls; • completed video calls; • digital gifts already delivered; • subscriptions already utilized for the relevant period; • premium content already accessed; • promotional purchases; • bonus or complimentary Virtual Coins; • dissatisfaction with another User's conduct or communication after the service has been delivered, except where the Company determines that Platform policies were materially violated. --- 8. CANCELLATION OF PURCHASES Because FanChat primarily offers digital services that are activated immediately after purchase, cancellation may not be possible once a transaction has been successfully completed. Where a purchase can still be cancelled before activation or delivery, the Company may permit cancellation in accordance with the applicable service terms. --- 9. REFUND METHOD Approved refunds will generally be processed using one of the following methods, as appropriate: • reversal to the original payment method; • Wallet credit; • restoration of Virtual Coins; • another method determined by the Company where permitted by applicable law. The Company reserves the right to select the appropriate refund method based on the nature of the transaction and the payment channel used. --- 10. REFUND PROCESSING TIME Once a refund is approved, processing times may vary depending on: • the payment provider; • banking systems; • card issuer procedures; • UPI network processing; • regulatory or compliance checks. The Company is not responsible for delays caused by third-party financial institutions after a refund has been initiated. --- 11. VERIFICATION REQUIREMENTS Before processing a refund request, the Company may require reasonable verification, including: • account ownership confirmation; • transaction identification; • payment confirmation; • identity verification; • supporting documents where necessary. Refund requests that cannot be reasonably verified may be declined. --- 12. FRAUD PREVENTION To protect the Platform and its Users, the Company may investigate refund requests that appear to involve: • fraudulent activity; • chargeback abuse; • identity fraud; • repeated refund claims; • promotional abuse; • unauthorized account access. Where fraud is reasonably suspected, the Company may suspend refunds, restrict account features, or take other actions consistent with the Terms of Use and applicable law. --- 13. CREATOR EARNINGS AND PAYOUTS 13.1 Independent Creator Relationship Creators using FanChat are independent users of the Platform and are not employees, agents, partners, or representatives of ChatsPub Ventures (OPC) Private Limited. Creator earnings are calculated in accordance with the Company's payout policies and the monetization features available on the Platform. The payout shall be settled to the submitted bank account during KYC in 2-3 business working days after internal team verification. Payouts will NOT be settled on bank holidays and national holidays --- 13.2 Payout Eligibility A Creator becomes eligible to request a payout only after satisfying all applicable requirements, which may include: • successful identity verification (KYC); • bank account verification; • completion of onboarding requirements; • compliance with the Terms of Use and Creator Policy; • meeting the applicable minimum withdrawal threshold; • absence of unresolved fraud or compliance concerns. Meeting these conditions does not guarantee immediate payment, and all payout requests remain subject to review. --- 13.3 Payout Review Before processing a payout, the Company may review the Creator's account for: • suspicious activity; • payment reversals; • chargebacks; • fraud indicators; • policy violations; • duplicate accounts; • prohibited conduct; • technical anomalies. Where reasonably necessary, the Company may temporarily hold or delay payouts pending completion of such review. --- 13.4 Payout Reversals The Company may reverse, adjust, or withhold Creator earnings where permitted by applicable law if the earnings are associated with: • fraudulent transactions; • chargebacks; • unauthorized payments; • promotional abuse; • system errors; • duplicate credits; • violations of the Terms of Use or Creator Policy; • court orders or lawful regulatory directions. The Company will maintain records supporting such adjustments. --- 14. SUBSCRIPTIONS 14.1 Subscription Renewals Certain FanChat services may be offered on a recurring subscription basis. Unless cancelled in accordance with the applicable subscription terms and the policies of the relevant payment provider or application marketplace, subscriptions may automatically renew. The renewal amount will generally be charged using the payment method associated with the subscription. --- 14.2 Cancellation of Subscriptions Users may cancel future subscription renewals through the applicable subscription management tools provided by FanChat or the relevant application marketplace. Cancellation generally prevents future renewals but does not automatically entitle the User to a refund for the current subscription period, except where required by applicable law. --- 14.3 Subscription Benefits Benefits already provided during an active subscription period may continue until the subscription expires, unless suspended for policy violations or other lawful reasons. --- 15. WALLET ADJUSTMENTS The Company may make reasonable adjustments to Wallet balances where necessary to: • correct technical errors; • reverse duplicate credits; • process approved refunds; • implement promotional credits; • remove fraudulently obtained benefits; comply with legal obligations. Users will not intentionally receive double compensation for the same transaction. --- 16. BONUS COINS AND PROMOTIONAL CREDITS From time to time, the Company may offer: • bonus Virtual Coins; • referral rewards; • promotional Wallet credits; • campaign incentives; loyalty rewards. Unless expressly stated otherwise: • promotional credits are non-transferable; • promotional credits have no cash value; • promotional credits cannot be redeemed for money; promotional credits may expire in accordance with the applicable campaign terms. Where promotional benefits are obtained through fraud or misuse, the Company may revoke them. --- 17. CHARGEBACKS If a User initiates a chargeback or payment reversal after receiving the benefit of a purchased digital service, the Company may: • investigate the transaction; • temporarily suspend the account; • restrict Wallet access; • reverse Virtual Coin balances where appropriate; • recover outstanding amounts through lawful means; contest the chargeback with the payment provider where justified. Repeated unjustified chargebacks may result in permanent account restrictions. --- 18. PAYMENT DISPUTES Users who believe an error has occurred should first contact FanChat Support before initiating a payment dispute through a bank or payment provider. Providing complete transaction information will help expedite the investigation. The Company will make reasonable efforts to investigate legitimate payment concerns promptly. You give us the consent that you shall first try to reach our customer support and mail us details on fanchat.user@gmail.com with necessary details before raising the any chargeback or dispute. if we fail to resolve the issue then only you can raise the chargeback otherwise you agree and understand that you disqualify for the chargeback raise --- 19. TAXES Prices displayed within FanChat may include or exclude applicable taxes depending on legal requirements and the manner in which prices are presented. Where applicable: • taxes may be collected from Users; • tax invoices may be generated where required; • Creators remain responsible for their own tax compliance, registrations, and reporting obligations. --- 20. EXCEPTIONAL CIRCUMSTANCES The Company may consider refunds, Wallet adjustments, or other appropriate remedies in exceptional situations including: • widespread technical failures; • duplicate system processing; • service outages materially affecting purchased services; • verified payment gateway errors; • legal or regulatory requirements. Any such remedy will be determined on a case-by-case basis. --- 21. LIMITATION OF REFUND LIABILITY To the maximum extent permitted by applicable law: • refunds will not exceed the amount actually paid for the relevant transaction; • the Company is not responsible for losses arising from incorrect payment information provided by the User; the Company is not responsible for delays caused by payment providers, banks, or financial institutions after initiating an approved refund. Nothing in this section limits rights that cannot lawfully be excluded under applicable consumer protection legislation. 22. POLICY ABUSE Users must not: • submit false refund requests; • misuse chargeback procedures; • manipulate promotional campaigns; • create multiple accounts to obtain duplicate benefits; • provide misleading information in support of refund claims. Where abuse is reasonably established, the Company may take enforcement action under the Terms of Use, including suspension or termination of the relevant account. 23. CHANGES TO THIS POLICY ChatsPub Ventures (OPC) Private Limited may revise this Refund & Cancellation Policy from time to time to reflect changes in: • legal requirements; • payment systems; • Platform features; • business practices; • operational processes. Updated versions become effective upon publication unless otherwise stated. Continued use of FanChat after an updated Policy becomes effective constitutes acceptance of the revised Policy, subject to applicable law. 24. CONTACT AND GRIEVANCE For questions regarding payments, refunds, cancellations, Wallet transactions, or this Policy, Users may contact: ChatsPub Ventures (OPC) Private Limited Privacy Team / Grievance Officer Name: Mr. Aditya Mendhe Support Email: fanchat.services@gmail.com Support WhatsApp number - +91- 8010618296 Registered Office: : ChatsPub Ventures (OPC) Private Limited, Plot No. 93, Misal layout, post Jaripatka, Nagpur, Maharashtra, PIN- 440014 Website: https://www.fanchat.in The Company will make reasonable efforts to review and respond to refund-related requests in accordance with applicable law and internal procedures. --- 25. GOVERNING LAW This Refund & Cancellation Policy shall be governed by the laws of India. Any disputes relating to refunds, cancellations, or Wallet transactions shall be resolved in accordance with the dispute resolution provisions contained in the FanChat Terms of Use and applicable law. --- ACKNOWLEDGEMENT By purchasing Virtual Coins, subscriptions, premium services, or any other digital service through FanChat, you acknowledge that you have read, understood, and agreed to this Refund & Cancellation Policy

GRIEVANCE REDRESSAL Users may contact the Company regarding complaints, grievances, content concerns or policy-related matters through the contact channels designated by the Company. The Company will make reasonable efforts to review and respond to grievances in accordance with applicable legal requirements and internal procedures. ChatsPub Ventures (OPC) Private Limited Privacy Team / Grievance Officer Name: Mr. Aditya Mendhe Support Email: fanchat.services@gmail.com Support WhatsApp number - +91- 8010618296

CHILD SAFETY & PROTECTION GUIDELINES FanChat – ChatsPub Ventures (OPC) Private Limited FanChat is committed to protecting children and preventing child sexual abuse and exploitation (CSAE) on our platform. FanChat maintains a zero-tolerance policy toward any content, communication, conduct, or activity that exploits, abuses, endangers, or sexually targets a child. 1. Age Restriction FanChat is strictly an 18+ years only platform. Only individuals who are 18 years of age or older are permitted to create, access, or use an account or any feature of FanChat. Users must provide accurate age and account information and must not misrepresent their age. 2. Zero Tolerance for Child Exploitation The following are strictly prohibited: • Child sexual abuse or exploitation of any kind. • Child sexual abuse material (CSAM), including creating, uploading, requesting, possessing, sharing, or distributing such material. • Sexual communication, solicitation, grooming, or inappropriate interaction with a child. • Arranging or encouraging sexual activity involving a child. • Offering, requesting, or exchanging money or benefits in connection with the sexual exploitation of a child. • Any content or conduct that facilitates trafficking, abuse, exploitation, or endangerment of children. 3. Prohibited Content and Conduct Users must not upload, share, request, transmit, or distribute content that is sexually explicit, exploitative, abusive, or otherwise harmful to children. These restrictions apply to profiles, posts, stories, reels, comments, chats, media, audio/video interactions, live sessions, and other FanChat features. 4. Reporting and Action Users can report suspected child-safety violations through FanChat's in-app reporting mechanism or designated support/contact channel. FanChat may promptly review reported content, restrict or remove content, suspend or terminate accounts, preserve relevant information where legally permitted or required, and cooperate with appropriate law-enforcement or child-protection authorities. 5. Safety Measures FanChat may use automated systems, moderation tools, human review, user reports, and other appropriate measures to detect and prevent child exploitation, abuse, grooming, and other safety violations. 6. Compliance with Indian Law FanChat will comply with applicable Indian child-protection and information-technology laws and regulations, including applicable provisions of the Information Technology Act, 2000, the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and the Protection of Children from Sexual Offences Act, 2012 (POCSO), as applicable. 7. Cooperation with Authorities Where required by applicable law, FanChat may cooperate with law-enforcement agencies and competent authorities in investigations involving child abuse, exploitation, trafficking, or other serious threats to child safety. 8. Child Safety Contact For reporting child-safety concerns, suspected child exploitation, or CSAE/CSAM on FanChat, users may contact: Email: fanchat.user@gmail.com Phone: +91-8010618297 Reports involving immediate danger to a child should also be reported to the appropriate law-enforcement or child-protection authority. 9. Enforcement Violation of these Child Safety Guidelines may result in immediate removal of content, restriction or suspension of account access, permanent account termination, and/or reporting to appropriate authorities where required by law. FanChat reserves the right to update these guidelines as applicable laws, regulatory requirements, and Google Play policies evolve.