Payments & Tokens

1. Scope and supported availability

This Policy applies to token purchases, wallet activity, tips, paid interactions, premium media, creator and studio earnings, payout requests, refunds, reversals, chargebacks, transaction evidence and payment-related restrictions.

Payment, token and payout services are available only in jurisdictions, currencies, methods and account categories expressly supported by Pulscam and its providers.

Final operator identity, merchant-of-record configuration, payment processor and supported-country list will be completed before commercial payments are enabled.

2. Token characteristics

Tokens are an internal, closed-loop Pulscam unit used only for eligible Pulscam features.

Tokens are not cash, deposits, securities, e-money, cryptocurrency, investments or interest-bearing balances. Users cannot redeem tokens for cash, transfer them outside Pulscam or use them with another merchant.

Creators do not receive user tokens. Eligible token spending creates separate contractual creator earnings under the creator or studio agreement.

3. Token price, packages and VAT

The current base price is USD 0.10 per token.

Example: 1,000 tokens have a base price of USD 100, plus VAT applicable according to the purchaser's location.

Pulscam charges, collects, reports and remits applicable VAT under the tax framework applicable to the transaction, including OSS where applicable.

Checkout must display the token quantity, base price, VAT, other mandatory charges and final total before the user authorizes payment.

The current commercial model does not include bonus tokens. Any future promotional or discounted package requires clear checkout disclosure and an updated policy where necessary.

4. Purchase authorization and payment providers

By confirming a purchase, the user authorizes the selected provider to charge the displayed final amount.

A purchase is complete only when accepted or settled under Pulscam and provider rules. Pulscam may delay, cancel, reverse or manually review credits where payment is failed, disputed, duplicated, suspicious or reversed.

Payment providers may conduct their own fraud, sanctions, authentication or customer-due-diligence checks under their terms and legal responsibilities.

5. Immediate digital performance and consumer rights

Tokens may be credited immediately and used for live interactions, tips, private shows, messages, posts, premium media and other digital services.

Where required, checkout records the user's express request for immediate supply and acknowledgement concerning any effect on the statutory right of withdrawal.

Nothing in this Policy removes mandatory consumer rights concerning withdrawal, unauthorized payments, duplicate charges, non-supply, lack of conformity or technical failure.

6. Wallet and transaction ledger

Pulscam maintains transaction records for token purchases, credits, spends, tips, paid features, refunds, reversals, chargebacks, creator earnings, payout adjustments and authorized administrative corrections.

Users must report suspected errors promptly and must not exploit duplicate credits, race conditions, test balances or unintended wallet states.

7. Token validity and non-expiry

Purchased tokens do not expire solely because of time or account inactivity. The current model has no bonus-token balance.

Pulscam may correct or remove tokens created through fraud, payment reversal, technical error, unauthorized access or abuse.

A future expiry rule cannot be applied secretly or retroactively to valid purchased balances without appropriate notice and legal review.

8. Voluntary refund request for unused tokens

Pulscam offers a voluntary refund-review procedure for eligible purchased tokens that remain unused when the request is submitted within 6 days of purchase.

A request may be submitted through billing@pulscam.com and should identify the account, transaction and reason.

This six-day procedure is an additional commercial review window and does not restrict mandatory withdrawal, refund, payment or conformity rights available under applicable law.

Refund review may consider settlement, fraud risk, prior use, duplicate charges, unauthorized payment, provider limitations, taxes and currency conversion.

9. Consumed tokens and digital-service remedies

Tokens spent on a properly delivered tip, private interaction, message, paid post, media unlock or other consumed digital service are generally final and are not refundable merely because the user changes their mind or did not receive a non-guaranteed creator response.

Appropriate correction, recredit or refund review remains available for unauthorized payment, duplicate charge, non-delivery, material technical failure attributable to Pulscam, or another mandatory legal remedy.

10. Tips, private shows and premium content

A tip is voluntary and gives no ownership, control or right to compel a creator.

Creators may refuse any request. Paid live services depend on creator availability, eligibility, token balance, technical operation and platform rules.

Premium media grants only the access displayed by Pulscam. It does not transfer ownership or permit copying, scraping, redistribution, resale or off-platform publication.

11. Account closure and remaining tokens

Before voluntary account closure, the user should use or submit any eligible refund request concerning purchased unused tokens.

After applicable refund, dispute, unauthorized-payment and legal obligations are resolved, remaining tokens are cancelled and removed when the account is permanently closed.

Used tokens remain consumed. No cash redemption arises solely from closure.

Where a balance is connected to an unresolved fraud, chargeback, technical or legal investigation, it may be frozen until the matter is resolved rather than deleted immediately.

12. Chargebacks and payment disputes

A chargeback is handled through the relevant bank, card network or payment provider and is not the same as a Pulscam refund request.

Filing a dispute does not by itself prove abuse. Pulscam may contest a dispute using transaction, account and delivery evidence.

Where evidence supports deliberate payment abuse, Pulscam may restrict the account, freeze remaining tokens, block future purchases, preserve evidence and seek recovery of documented direct losses where legally permitted.

Chargeback-fee allocation is processor dependent and pending final processor terms. This candidate does not automatically impose the processor fee on the user, creator or studio.

13. Transaction and delivery evidence

Evidence may include transaction reference, timestamp, account identifier, token credit and spend, IP address, user-agent, accepted policy version, room or media access, creator identifier and support or administration records.

Evidence is used only for legitimate payment, accounting, fraud, compliance, safety and legal purposes under the Privacy Policy.

14. Creator earnings rate

Pulscam sells tokens to users and receives the user payment. Creators do not sell tokens and receive no portion of VAT.

For each eligible token spent in connection with a creator's content or services, the creator accrues earnings at the fixed contractual rate of USD 0.05 per eligible token.

Example: if 1,000 valid tokens are spent in favour of a creator, the creator accrues USD 50 before any valid creator-side deductions or payout fee.

The fixed creator earning rate is separate from the price paid by the user and is not described as a percentage ownership of Pulscam revenue.

15. Standard earnings hold and payout cycle

Eligible earnings initially remain pending for a standard hold of 14 calendar days.

Under the standard regime, a payout request may be submitted according to Pulscam's 14-day payout cycle after the relevant earnings become available.

Payout is request based. If no request is submitted, the available earnings remain in the account and are not automatically paid.

16. Minimum payout, methods and fee

The minimum payout request is USD 100.

Current supported payout methods are bank transfer and Paxum, subject to location, provider availability, verification and account approval.

Pulscam charges an administration fee of USD 5 for each payout request. Any separately imposed receiving-bank or provider charge must be disclosed where known or governed by the receiving provider's terms.

17. Accelerated and daily payout requests

After at least six months of active participation, a creator may become eligible for accelerated or daily payout requests based on Pulscam's internal fraud, payment-risk, account-integrity and compliance assessments.

Where approved, eligible earnings may be requested without waiting for the standard 14-calendar-day hold.

Eligible daily payout requests are generally processed within approximately 2–3 business days, subject to banking schedules, public holidays, provider availability, compliance review and justified operational delays.

Eligibility is not automatic and may be suspended or withdrawn when risk changes. A creator may request human review through support@pulscam.com.

18. Payout eligibility and processing

Payout requires approved creator or studio status, valid payout details, minimum available balance, completed tax and verification information and no unresolved fraud, legal, identity, consent or payment hold.

A payout request may be approved, returned for correction, held, rejected, reversed before final settlement or marked Paid.

The applicable settlement or payout statement is generated or retained when the payout is marked Paid.

19. Holds, deductions and rolling reserve

Pulscam may hold or adjust affected amounts for refunds, chargebacks, fraud, payment reversals, identity mismatch, content or consent violations, copyright claims, tax corrections, provider instructions, legal holds or amounts properly owed.

Holds should be proportionate to the affected amount and risk where reasonably possible.

A processor rolling reserve may be maintained against Pulscam's merchant settlement under processor terms. It is not automatically transferred to a creator or studio as a debt unless a separate, disclosed and legally permitted reserve applies.

Holds or deductions may be contested through support@pulscam.com.

20. Taxes, VAT, accounting and reporting

Pulscam is responsible for charging, collecting, reporting and remitting applicable VAT on its user sales under the applicable framework, including OSS where eligible.

Creators and studios remain responsible for their own income, business, registration, invoicing and tax obligations unless mandatory law or a written arrangement provides otherwise.

Pulscam may request tax residence and tax-identification information and maintain transaction, payout and reporting records required by law.

21. Errors, reversals and prohibited conduct

Pulscam may correct duplicate credits, duplicate charges, incorrect balances, failed status transitions, calculation errors and unauthorized adjustments.

Prohibited conduct includes stolen cards, payment fraud, money laundering, sanctions evasion, fake purchases, account farming, bot payments, creator-revenue manipulation, off-platform payment solicitation, trafficking, escorting and payment for prohibited goods or services.

22. Complaints, changes and contacts

Billing, token, refund and payout questions may be submitted to billing@pulscam.com. Holds, account restrictions and payout-eligibility reviews may be submitted to support@pulscam.com.

Material changes to token price, creator earning rate, payout threshold, hold or fee will be communicated and renewed acceptance obtained where required.