Terms of Service

1. Acceptance and Eligibility

By accessing or using Kallfi, you acknowledge that you have read, understood, and agree to be bound by these Terms, together with the policy documents referenced in this Terms & Policies section, each of which is incorporated by reference.

You represent and warrant that you are at least 18 years old, are legally capable of entering into a binding agreement, and satisfy all age, capacity, and eligibility requirements applicable in your jurisdiction, including requirements for accessing mature or adult-oriented digital content where those features are available. If you act on behalf of an entity, you further represent and warrant that you are authorized to bind that entity to these Terms.

2. Account Responsibilities

You are solely responsible for all activity occurring under your account credentials, including any purchases, messaging actions, uploads, and creator-account operations performed through your account, whether authorized by you or resulting from failure to maintain account security.

You agree to provide complete and accurate account, onboarding, and payout/payment information where requested, and you shall not transfer, lease, sell, lend, or otherwise permit unauthorized third-party access to your account.

3. Platform Experience and Communication Model

Kallfi is a creator-focused digital experience platform. Interactions may be produced through a blend of creator-authored, creator-directed, and system-assisted workflows. We do not guarantee that each message, media asset, or interaction is produced in one single mode.

You agree to treat platform interactions as creator experiences delivered through Kallfi’s systems and policies, not as a guarantee of any particular production method, real-world event, personal relationship, creator availability, specific generated output, or specific media-delivery outcome.

4. Acceptable Use

You shall not use Kallfi for any unlawful, fraudulent, exploitative, or abusive purpose, including requesting or distributing illegal or non-consensual content, engaging in harassment or threats, doxxing, stalking, extortion, or any conduct that violates safety, privacy, intellectual-property, or payment rules.

You shall not attempt to circumvent platform controls, reverse engineer protected systems, misuse automation, manipulate payment or dispute workflows, evade sanctions or compliance controls, or otherwise interfere with Kallfi’s operational integrity or other users’ safe access to the service.

5. Adult and NSFW Content

Adult-oriented, explicit, mature, or NSFW features may be experimental, limited, jurisdiction-dependent, processor-dependent, and subject to additional review. You represent and warrant that all adult-oriented content, prompts, references, uploads, and requests you submit or monetize are lawful, consensual, authorized by all required rights holders, and involve only adults who are at least 18 years old.

You may not request, upload, generate, sell, purchase, unlock, describe, or distribute content involving minors or age ambiguity, non-consensual intimate material, coerced or trafficked persons, blackmail, threats, revenge content, hidden-camera or privacy-invasive material, sexual violence, bestiality, incest, exploitation, or any content that violates applicable law, payment-provider rules, platform policy, or another person’s privacy, publicity, intellectual-property, or consent rights.

Creators are solely responsible for obtaining and maintaining any records, releases, identity and age verification materials, consents, tax records, business authorizations, and other compliance documentation required for adult-oriented content in every jurisdiction that applies to them. Kallfi may require additional verification or documentation, and failure to satisfy a request may result in removal, account restrictions, disabled monetization, withheld payouts, or termination.

Kallfi may refuse, remove, restrict, transform, disable, report, preserve, or decline to monetize any adult-oriented content, prompt, generated output, offer, message, account, or feature in its sole discretion where we determine that legal, processor, fraud, abuse, safety, reputation, operational, or business risk warrants action. No refund, credit, damages, creator payout, or other compensation is owed merely because an adult-oriented request or feature is refused, blocked, altered, delayed, removed, or discontinued.

6. Purchases, Subscriptions, and Credits

Prices, billing cadence, renewal terms, and applicable taxes or fees are disclosed in-app at purchase. By completing a purchase or subscription, you authorize the applicable payment provider to charge your selected method in accordance with the terms shown at checkout and in account settings.

Digital credits and paid unlocks are service-access instruments, not deposit accounts or stored monetary value, and are generally non-cash-redeemable except where required by non-waivable law. Kallfi may reject, hold, reverse, adjust, or refund transactions where required by risk controls, provider directives, compliance obligations, or technical reconciliation.

A purchase, subscription, credit balance, paid unlock, or generated-media offer does not guarantee uninterrupted access, specific content, specific creator conduct, specific generated output, successful delivery, future feature availability, refund eligibility, or payout eligibility for any creator.

All subscriptions, tips, PPV unlocks, message media offer unlocks, generated-media offer unlocks, and other paid creator interactions are final once the applicable access, service, or digital item has been made available, except where non-waivable law requires otherwise or Kallfi decides in its sole discretion to reverse, credit, or refund a transaction for fraud, technical reconciliation, safety, legal, processor, or policy reasons.

Creators may remove posts, change profile availability, delete or anonymize accounts, stop posting, disable features, change prices, or lose account access. Kallfi may also remove, preserve, restrict, or continue serving content and historical purchased-access records for legal, safety, rights, fraud, processor, support, and platform-integrity reasons. Unless mandatory law requires otherwise, those changes do not entitle a fan to a refund, credit, damages, replacement content, extended subscription time, or a continuing right to access a creator profile, post, message, or media item.

7. Payment Provider Compliance

Payments are processed by third-party providers (currently PayPal, with additional providers possible). By transacting, you agree to provider terms, acceptable use rules, sanctions controls, and fraud/risk procedures.

Kallfi does not store full primary payment credentials. Provider-level decisions, including authorization declines, reversals, reserves, or holds, may affect purchase completion, subscription state, and feature access. Any attempt to bypass provider controls constitutes a material breach of these Terms.

Payment providers, card networks, banks, and payout processors may restrict, reject, hold, reserve, reverse, or prohibit transactions or payouts involving creator platforms, digital goods, mature content, adult-oriented content, stored-value-like credits, high-risk activity, sanctions, fraud signals, or undisclosed business models. Kallfi may disable, restructure, limit, refund, reserve, or discontinue any transaction path, product surface, content category, creator feature, or payout path to comply with, anticipate, or reduce those risks.

8. Creator Earnings and Payout Policy

Creator earnings and payout eligibility are governed by platform policy, provider compliance requirements, fraud controls, tax and identity checks, content-risk review, account standing, approved payout rails, and Kallfi’s operational and business-risk determinations. Platform payout terms may evolve as commercial operations, processor requirements, content policy, and risk posture change.

Creator payouts, if any, are derived only from qualifying creator-linked subscription and gem-spend activity that Kallfi validates, reconciles, and approves, subject to platform policy, revenue-share settings, reserve and settlement rules, dispute and chargeback exposure, refunds, taxes, fees, account standing, compliance checks, adult-content risk review, and provider constraints in effect before release.

Creator dashboards or other creator-facing surfaces may show activity metrics or billing-reference values derived from current subscription pricing or gem-pack pricing. Those figures are informational only, may not reflect accrued, vested, owed, or payable earnings, may change when pricing, risk, processor, compliance, or policy conditions change, and do not obligate Kallfi to release any specific payout amount.

Creator balances, estimates, dashboards, ledgers, previews, revenue-share labels, and performance metrics are provisional internal calculations only. They are not wages, salary, commissions, escrowed funds, trust funds, stored value, property held for creators, or vested rights, and they do not create an employment, agency, partnership, fiduciary, joint-venture, or payment-services relationship. No payout is due until Kallfi has completed validation, reconciliation, compliance review, and release through an approved payout method.

To the fullest extent permitted by law, Kallfi may delay, reduce, reserve, offset, cancel, withhold, refuse, claw back, or forfeit any creator payout or provisional balance where Kallfi determines, in its sole discretion, that doing so is required or advisable for legal, tax, identity, sanctions, fraud, processor, chargeback, refund, adult-content, safety, abuse, rights-clearance, operational, reputational, financial, or business-risk reasons, or because Kallfi cannot or will not support the relevant payout rail, jurisdiction, creator, content category, or account state.

Revenue-share rates, qualification thresholds, minimum payout amounts, reserve windows, settlement timing, deductions, payout methods, creator eligibility, feature eligibility, and monthly cutoff rules may change before payout release. If a valid payout method is not configured on the creator account by month-end (UTC), that month’s potential payout may be forfeited and non-redeemable except where non-waivable law requires otherwise.

Creators are solely responsible for taxes, reporting, documentation, legal compliance, adult-content recordkeeping where applicable, rights and releases, and ensuring that payout details are accurate and legally usable. Kallfi may require additional identity, tax, age, rights, source-of-funds, source-of-content, or processor documentation before permitting creator monetization or releasing any payout.

9. Enforcement, Suspension, and Termination

We may monitor, review, limit, suspend, or terminate access when needed to enforce policies, protect users, comply with legal obligations, or preserve platform integrity.

Without limiting other remedies, Kallfi may suspend, restrict, terminate, remove content, freeze monetization, hold balances, withhold payouts, restrict payment features, or disable access immediately for severe violations, repeated misconduct, fraud or abuse signals, legal non-compliance, processor risk, adult-content risk, or operational risk. We may preserve and disclose relevant records where required or advisable for legal, fraud, safety, payment, tax, or regulatory purposes.

10. Intellectual Property

You retain ownership of rights you lawfully hold in your content; however, by uploading or submitting content to Kallfi, you grant Kallfi an irrevocable, perpetual, worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to host, store, reproduce, adapt, format, moderate, distribute, publicly display, and otherwise use such content for operation, safety, compliance, and improvement of the service.

This license survives account deletion to the extent necessary for legal compliance, fraud and safety controls, historical integrity, and service records. To the fullest extent permitted by law, you waive and agree not to assert moral rights or similar attribution/integrity claims against Kallfi or authorized sublicensees for uses permitted under this license. Kallfi marks, software, and service materials remain Kallfi or licensor property.

If you remove content or delete, anonymize, freeze, or lose access to your account, Kallfi may retain and use content, metadata, media snapshots, transaction records, entitlement records, message-offer records, moderation records, and related operational data as needed to support historical purchased-access records, enforce these Terms, resolve disputes, comply with law, prevent fraud and abuse, preserve platform integrity, or defend legal rights. Removal from a public or profile surface does not guarantee deletion from every historical, support, compliance, or purchased-access surface.

11. Disclaimers and Limitation of Liability

Kallfi is provided on an “as available” and “as is” basis. To the maximum extent permitted by law, we disclaim warranties of uninterrupted availability, specific output quality, or uninterrupted delivery.

We do not warrant that user content, creator content, generated content, adult-oriented content, media offers, messaging outputs, payment processing, payout processing, creator earnings calculations, moderation decisions, compliance outcomes, or provider decisions will be accurate, lawful for your circumstances, uninterrupted, error-free, commercially successful, monetizable, or available in any jurisdiction.

To the maximum extent allowed by law, Kallfi is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, goodwill, data, content, opportunities, expected earnings, creator payouts, platform access, or payment-provider access.

To the maximum extent allowed by law, Kallfi’s aggregate liability for all claims relating to the service is limited to the greater of the amount you paid directly to Kallfi for the affected service in the three months before the claim arose or USD $100. This limitation does not exclude liability that cannot be excluded under non-waivable law.

12. Indemnity

You agree to defend, indemnify, and hold harmless Kallfi, its affiliates, service providers, personnel, and representatives from and against claims, losses, liabilities, damages, penalties, costs, and expenses, including reasonable attorneys’ fees, arising from your account activity, content, prompts, uploads, adult-oriented content, monetization activity, payout or tax information, misuse of the service, breach of these Terms, fraud, chargebacks, processor disputes, rights violations, privacy violations, safety violations, or violation of applicable law.

13. Changes to Terms

We may update these Terms to reflect legal, operational, product, and payment-provider changes. Updated versions are effective when posted unless local law requires otherwise.

14. Contact

Legal and terms inquiries: legal@kallfi.com