Terms and Conditions of Use

1. Acceptance of Terms and Definitions

By accessing, registering, or using the platform TalkToListeners

• Customer: The user who purchases tokens to access private sessions of support and listening.
• Listener: Verified independent service provider who offers time, attention, and emotional support/one-on-one counseling via text, audio, or video.
• Session: Real-time interaction carried out between a Client and a Listener through the secured channels on the Platform.

2. Nature of Services (Medical Therapy Exclusion)

3. Customer Anonymity and Verification of Users (KYC)

• Client Anonymity: Customers interact exclusively under a pseudonym (display name). It is not necessary to reveal your real name or personal details to Listeners.
• Listener Verification (KYC): All Listeners are required to complete the identity verification process (providing an ID document and facial verification - Tiers T1/T2) before receiving payments or accepting sessions, in order to ensure platform security.

4. Monetization System: Tokens, Purchases and Refund Policy

The platform uses an internal system based on Tokens for minute-based session billing:

• Token Packages: Tokens are purchased in packages (e.g., $9.99, $49.99, $99.99) through the secure Stripe payment processor. Purchased tokens do not expire.
• Per Minute Pricing: During an active session, tokens are automatically deducted from the Customer's wallet every minute, depending on the rate set by the Listener.
• Sold Exhausted: If the token balance reaches zero, the session will automatically terminate.
• Refund Policy: Purchases of token packages used in already completed sessions are non-refundable. In cases of technical interruptions or proven fraud, the Customer may request the re-crediting of tokens to their wallet by submitting a report within 48 hours.

5. Revenue Grid for Listeners and Payouts

Listeners' earnings are structured transparently based on performance tiers (Tiers):

Withdrawing Funds (Payout): Withdrawing earnings from the Listener's wallet is carried out according to the weekly schedule to the bank account or Wise account provided during the KYC process.

6. Code of Conduct and Safety Rules

The following behaviors are strictly prohibited on the Platform:

• Harassment, hate speech, threats, defamation, or incitement to violence.
• Requesting or distributing pornographic or illegal materials.
• Bypassing the platform (both Clients and Listeners are prohibited from changing external contact information or making payments outside of the Platform's token system).

The platform uses automated AI moderation systems and human verification. Violating these rules results in the suspension or permanent blocking of your account without a refund of your balance.

7. Session Data Storage and Dispute Resolution

For the protection of the reputation of Listeners and Clients, all interactions (text logs, audio sessions and video streams) are recorded and stored in a secure encrypted format for a set period (14–90 days). These recordings are used exclusively by the compliance team in cases of complaints, abuse incidents, or financial disputes.

8. Limit of Liability

TalkToListeners operates as a technological intermediary marketplace. We are not responsible for the opinions, advice, or statements made by Listeners during private sessions. The platform does not guarantee specific emotional or therapeutic results.

9. Legal Contact and Assistance

For questions regarding these Terms and Conditions, disputes, or complaints: