This policy explains how coin top-ups via the Apple and Google stores (and, where offered, PayPal or card), refunds, the VIP subscription, rewards, and related financial controls work on Tapylapy, including the platform's protective rights to review, hold, suspend, or reject transactions where necessary.

1) Scope & Definitions

This policy applies to all payments inside Tapylapy related to coins, virtual balance, the VIP subscription, rewards, and withdrawals. It may not govern other services or products that have separate policies.

• Coins: virtual balance used inside Tapylapy for purchases, support, or platform features. Coins are not cash, bank deposits, or stored-value money.
• Coin top-up: any transaction in which you pay real money through the Apple or Google store or, where we offer them, PayPal or card payment through our payment providers, to receive coins in your Tapylapy account.
• Rewards: any discretionary balance Tapylapy grants to creators based on their activity on the platform, as described in our AML/KYC & Rewards Policy.
• Withdrawal: an approved payout process, executed through the Company's own payment channels, that allows a verified creator to receive eligible rewards after review and approval.

Please note that the precise classification of coins — coins topped up with real money, reward coins earned through your activity as a creator, and free or promotional coins/winnings — is set out in full detail in our Terms of Service and our AML/KYC Policy; this policy only summarizes the general financial rules that apply to these categories without repeating that full classification here.

2) Coin Top-Up

• Coins can be bought through Apple In-App Purchase (iOS), Google Play Billing (Android) and, where we offer them, PayPal or card payment through our payment providers.
• After a successful purchase, your payment is converted into virtual coins shown in your account for use inside Tapylapy only.
• Coins cannot be used outside Tapylapy and are not a bank account, deposit product, or freely transferable monetary instrument.
• You are responsible for reviewing the transaction details inside the payment interface of the channel you use (Apple, Google, PayPal or the card provider) before confirming a top-up, including the amount and the payment method used; the price is shown in that interface before you complete the transaction.
• Apple or Google handle refund requests for purchases made through their stores, while Tapylapy deals directly with PayPal and card payments as set out in Section 3.
• Tapylapy may temporarily pause coin top-up channels entirely for operational reasons (such as maintenance or a security review), without any obligation of prior notice.

If you actually completed payment (you were charged) but the corresponding coins were not added to your account — whether due to a temporary pause of top-up channels, a technical error, or a connectivity failure — contact us at [email protected] with your transaction ID as soon as possible, ideally within 14 days of the transaction or of discovering the problem, whichever is later. This period is a request to contact us promptly and does not limit your statutory rights. We will add the owed coins to your account or direct you to a refund (from the store for Apple and Google purchases, or from us directly for PayPal and card payments).

3) No-Refund Policy

Once a coin top-up is successfully completed (through any top-up channel) and the balance appears in your account, the transaction is final from Tapylapy's side once delivered. We do not refund coin purchases, except where required by applicable law, in the event of a clear technical error caused by Tapylapy, or under the exceptions set out below.

Important — store purchases: The decision to approve or deny a refund for a purchase made through the App Store or Google Play rests with Apple or Google, under their own refund policies. Tapylapy does not control or guarantee that outcome. To request a refund for a purchase, contact:

• Apple — via support.apple.com/billing (for iOS purchases).
• Google Play — via support.google.com/googleplay (for Android purchases).

PayPal and card payments: where we offer top-ups through PayPal or card, these payments do not go through Apple or Google and Tapylapy deals with them directly. The same rule applies: final once delivered, except as the law requires and the exceptions in this section. For any question about such a payment, contact us at [email protected].

Your statutory rights are not affected: this policy does not affect your legal rights as a consumer, including your rights where digital content is faulty, not as described, or not delivered. For direct purchases from us (PayPal or card), depending on your country (for example the UK and the EU) you may have a 14-day right to cancel digital content; that right is lost once delivery starts only if you expressly agree before purchase to immediate delivery and acknowledge that you will lose the right to cancel. That acknowledgement is shown at checkout where applicable.

• No refund is given for a change of mind or for not using your coins once they have been delivered, without affecting your statutory rights described above.
• User-side mistakes, including incorrect account, amount, or payment details, are not valid grounds for a refund from Tapylapy.
• Tapylapy may request documents or additional information in the event of a payment dispute or objection.

Paid post promotion: when you spend coins to run an ad campaign for a post, the campaign's full budget is reserved from your balance immediately, then consumed gradually based on actual views or clicks. Any portion not consumed is automatically refunded to your balance once the campaign ends naturally or is cancelled by you — unlike the original coin top-up transaction (final once delivered, as described above), the unconsumed portion of a promotion campaign's budget is not final and is genuinely refunded.

Payments by a minor: the service is for persons aged 18 or over. If we discover that the account holder is under 18, we will, on request to [email protected], refund proportionately the real money paid for unused coins, consistent with our Terms of Service; free and reward coins are cancelled. This is a special exception and is not treated as an ordinary refund case.

4) Bonus & Promo Coins

Tapylapy may sometimes provide free coins, bonuses, or promotional rewards through campaigns, contests, support programs, or internal reward systems.

• Promo or bonus coins are intended for in-platform use only.
• Free or promotional coins cannot be redeemed for cash.
• Promo or bonus coins do not count as rewards eligible for withdrawal.
• Tapylapy may modify, suspend, or cancel any promotion or reward program at any time.

Gifts you receive: when someone sends you a gift in a live stream, you are credited the gift's coin value minus the platform commission, and it makes no difference whether the sender paid with purchased coins or with free coins (from tasks or the lucky wheel). Those coins are withdrawable only if you are an approved Verified Creator at the moment the gift arrives; otherwise they remain spendable inside the app only and are never withdrawable. Free and reward coins that you hold yourself are never withdrawable. Gifts are final: what a recipient has received stays with the recipient and is not returned to the sender (see Section 10).

Avatar frames, necklaces, premium usernames, gift effects, and any other decorative items obtained through spending or support are in-app display benefits only. They do not constitute independent property or a resellable asset, and are subject to the no-refund policy described in Section 3; Tapylapy may modify, remove, or withdraw them upon account closure due to a violation, without compensation.

5) VIP Subscription

Tapylapy offers an optional VIP subscription that grants additional in-app benefits, obtained by spending Tapylapy coins — not a direct cash payment or an auto-renewing subscription billed through the Apple or Google store:

• VIP is purchased using your in-app coin balance, the same way you purchase any other virtual item or feature on Tapylapy.
• VIP does not auto-renew. It grants additional benefits for a fixed period only (as shown in the app at the time of purchase), and those benefits automatically end at the end of that period unless you spend additional coins to manually renew it yourself.
• The coin price and validity period are clearly shown inside the app before purchase.
• Because VIP is purchased with Tapylapy's internal coins, it is subject to the same no-refund coin policy described in Section 3 above, not to Apple's or Google's auto-renewable subscription refund policies.

6) Rewards

Verified creators may receive rewards from Tapylapy based on their activity on the platform (live-hour earnings, view earnings, and gifts/support they receive), under platform criteria detailed in our AML/KYC & Rewards Policy.

These rewards are discretionary and granted by the platform; they are not wages or income from a direct business activity with Tapylapy, and they do not create any employment, agency, or partnership relationship.

The controls, conditions, and protective measures (such as freezes or eligibility review) described in this policy are anti-fraud and financial-system-integrity measures only, and do not in any way constitute supervision or control over how a creator does their work, and do not create an employment or agency relationship; Tapylapy has no obligation to provide any work, a minimum level of opportunities, continuity, or exclusivity to any creator.

7) Reward Withdrawals

Withdrawal of eligible rewards is currently live for verified creators who have passed identity verification and meet the minimum follower/view thresholds. Tapylapy processes withdrawal requests and transfers amounts due directly via PayPal (a business account registered in SULTAN X LTD's name) or a direct bank/international transfer to the creator's own receiving method, depending on what is available for the creator's country, with no local agent involved. Withdrawal applies only to eligible rewards generated from your activity on the platform, not to funds you personally used to top up coins or to any other incentive rewards.

Specifically, withdrawable coins are limited to four sources: live-hour earnings, post-view earnings, gifts received during a live stream, and support/tips received on your posts. Top-up coins and every kind of incentive reward — lucky-wheel prizes, task rewards, referral-program rewards, weekly live-league and creator-level rewards, birthday gifts, and treasure-box winnings — remain spendable inside the app only and can never be withdrawn or converted to cash, no matter how large your balance of them grows. See our AML/KYC & Rewards Policy for full details.

A coin's withdrawal eligibility is fixed at the moment you receive it, not at the moment you request a withdrawal: support/gifts received before you became a Verified Creator (approved for withdrawals after identity checks) do not become withdrawable later, even if you are approved afterward; and live-hour and post-view earnings only accrue once you are a Verified Creator, with no credit for the period before. Gifts received in a live stream are credited at their coin value minus the platform commission whatever type of coins the sender used, and are withdrawable only if you are an approved Verified Creator at the moment they arrive; free and reward coins that you hold yourself are never withdrawable.

If your Verified Creator status is removed: all coins you had earned that were eligible for cash withdrawal become non-withdrawable. They stay in your wallet and can still be spent (gifts, support, in-app purchases) but can never be cashed out. Any pending withdrawal request is cancelled and its coins are returned to your wallet. If you are approved again, only coins you earn after the new approval are withdrawable. This status is removed only by a decision of Tapylapy about the creator status itself. Not completing the monthly re-verification (selfie) in time, after the grace period, or an administrator withdrawing the badge, removes the verification badge only: you stay a Verified Creator and keep your eligible coins and any pending withdrawal request.

The verification badge is different from creator status: the badge is a public mark showing that the account belongs to a known user with real, verified information. It does not make anyone a creator and does not allow withdrawals. Full details in our AML/KYC & Rewards Policy.

• You must pass the identity verification described in our AML/KYC Policy before any withdrawal request is approved.
• Withdrawal is not an automatic or absolute right and remains subject to review, internal controls, and legal compliance requirements before any transfer is executed.
• Tapylapy sets the minimum and maximum withdrawal amounts, the gift commission, the coin-to-dollar conversion rate and the creator follower/view thresholds; all of these are shown inside the app (Creator Studio) and may change under the notice-of-changes rule in Section 15. Tapylapy also sets review and processing periods; the available payout method (PayPal / direct international transfer) may vary by the user's country.

For more details on the regulatory status of accrued reward funds and the absence of escrow segregation, see AML/KYC Policy — Section 8.

8) Top-Up & Withdrawal Limits

Tapylapy may impose minimum or maximum limits on top-ups, withdrawals, reward flows, or other internal value transfers, whether globally or based on account type, jurisdiction, verification level, or risk profile.

• Top-up and withdrawal limits may differ from one user to another.
• We may change such limits at any time to protect the platform's financial system, comply with law, or reduce fraud and abuse.
• The existence of financial or operational limits is a legitimate risk-control measure and does not create any entitlement to unrestricted access.

9) Exchange Rate, Fees & Taxes

Tapylapy does not apply a flat fee percentage deducted from your withdrawal amount. Instead, Tapylapy coins and rewards operate on two separate exchange rates, set by the platform and subject to change from time to time, with no requirement that they be equal:

• Top-up rate (buying coins): the actual amount you pay for each coin via Apple or Google or, where we offer them, PayPal or card, clearly shown in the payment interface before you complete a transaction.
• Reward-to-USD conversion rate (withdrawal rate): a separate rate set by the platform to convert a verified creator's points/rewards into withdrawable USD balance. This rate is clearly shown in the "Creator Studio" section of the app before you complete any conversion or withdrawal request, so you know the actual value before collecting your reward. This rate is fully independent of the top-up rate, is not guaranteed to equal it, and may change from time to time at the platform's discretion. The difference between the two rates is the mechanism by which Tapylapy may derive an operating margin from top-ups and withdrawals.
• Additional transfer fees may apply depending on the withdrawal method available in the app and the channel used, separate from the exchange rate above and outside Tapylapy's control.
• You are responsible for any personal tax reporting, declarations, or liabilities arising from your rewards or withdrawals in your country.

10) Freezing, Holds & Suspension

Tapylapy may freeze, hold, suspend, delay, restrict, or reserve any rewards, payouts, top-ups, or withdrawals if the platform believes there is a legitimate legal, operational, financial, compliance, or security reason to do so.

• This includes suspected fraud, money laundering, unusual activity, policy violations, payment disputes, abuse signals, or serious reports.
• We may place payouts or rewards on hold while a review, verification process, or request for supporting documents is ongoing.
• We may also reject, reverse, withhold, or cancel certain rewards if they are found to be invalid, abusive, unauthorized, or generated in violation of platform rules.

Account Termination for a Serious Violation: if your account is suspended or deleted because you committed a serious violation of the Terms of Service or our policies — as defined under "Serious Violation" in our Terms of Service — that is governed by the Termination for a Violation clause in our Terms of Service — termination takes effect immediately with no advance notice, and any coin balance or unwithdrawn rewards present in your account at that time are forfeited without cash compensation, and you agree to this by accepting the Terms of Service. Violations that do not rise to the level of a "serious violation" do not trigger this immediate full forfeiture, and are instead addressed through the proportionate corrective or restrictive measures described in the Terms of Service.

If a decision turns out to be wrongful: if, after review, a ban, termination or financial freeze is found to have been wrongful, your account is restored and your full balance is returned. You can ask for a review under Section 13.

Lives ended by force and gifts: if a live stream is ended by force (by an administrator, by moderation, because of an account ban, or by the system), gifts already received stay with the recipient and are not reversed, and senders are not refunded what they sent; only unopened treasure-box coins are refunded where applicable.

Discontinuing the Service Entirely: if Tapylapy decides to shut down the Service permanently (not just suspend a specific account or reward, and for reasons unrelated to your own violation), that is governed by the Termination & Suspension clause in our Terms of Service, including at least 30 days' advance notice and the ability to use your balance or request withdrawal of eligible rewards during that window. Any coin balance not used, or not requested for withdrawal where eligible, by the end of that window is forfeited without cash compensation — Tapylapy coins are an in-app usage balance only, as described in Section 1; you agree to this by accepting the Terms of Service.

11) AML & Fraud Prevention

All top-up, reward, and withdrawal activity is governed by our full AML/KYC policy, which describes identity-verification procedures, sanctions screening, monitoring of suspicious activity, and record-keeping periods.

12) Chargebacks & Misuse

Attempting to reverse a payment through Apple, Google, PayPal, or your bank after using those funds to obtain coins, without a valid reason, may be treated as abuse, bad faith, or fraud.

• Tapylapy may freeze accounts, restrict features, or suspend balances where abusive chargebacks are suspected.
• Where an amount is refunded unjustifiably, any deduction we make from your balance, rewards, or future payouts is limited to the amounts we actually lost because of it, namely the refunded amount and the fees charged to us. We will notify you before any deduction and give you a chance to respond. A refund is "unjustified" if it was obtained through deception, through abuse of the store's process, or without a genuine issue.
• Repeated misuse may lead to permanent suspension and further legal or regulatory escalation where appropriate.

13) Platform Protective Rights

To protect its financial, operational, and legal interests, Tapylapy reserves the right to take any reasonable or necessary action to prevent losses, abuse, exploitation, systemic risk, regulatory exposure, or contractual harm.

• We may stop, limit, deny, or suspend top-ups, withdrawals, or reward features at any time where legitimate interests require it.
• We may request additional documents or conduct renewed verification of the account, identity, transaction history, or related activity.
• We may correct accounting or technical errors, reverse balances, or cancel rewards generated through bugs, abuse, exploits, or policy violations. If the technical or administrative error was actually caused by Tapylapy itself (not a third-party provider) and it harmed your balance, handling it is subject to the terms described in the Limitation of Liability section of the Terms of Service, including the request deadline (14 days from discovering the error) and required proof, without affecting your statutory rights.
• We may revise or revoke a user's eligibility for reward or withdrawal features based on our reasonable assessment, while allowing the user to submit a review request to our support team, through the in-app tools or [email protected], within 30 days of the decision. This right covers a challenge to the decision itself (such as a ban, account suspension, or eligibility review). If, after review, a ban, termination or financial freeze is found to have been wrongful, the account is restored and the full balance is returned, consistent with our Terms of Service and Account Deletion Policy.

A review request is decided by an authorised administrator on the facts of the case. We aim to reply within 30 business days of receiving the complete request, with the ability to extend this period in complex cases upon notice to the person who made it. A request does not by itself suspend or undo the action taken.

Freeze, hold, or confiscation decisions related to suspected fraud or money laundering under the AML/KYC Policy can also be reviewed on request through our support team, decided by an administrator, within the internal review process described in that policy.

Tapylapy aims to complete its internal review of any suspected fraud or money-laundering case within 90 days of the freeze; this is a target for the review, not an appeal period. If we have not decided within 90 days, our silence is not a decision against you, and you may escalate by writing to us or go to court.

We encourage you to use this appeal process (30 days) and the amicable-resolution path set out in the Terms of Service, but neither is a precondition, and neither prevents you, as a consumer, from going to the competent court at any time.

14) Age & Eligibility

All features in this policy (top-ups, the VIP subscription, rewards, withdrawals) are available exclusively to persons 18 years or older, under our Terms of Service and AML/KYC Policy. If the account holder is found to be under 18, the proportional refund rule in Section 3 applies.

15) Changes to This Policy

Tapylapy may update this policy from time to time, especially when changing fees, thresholds, withdrawal rules, verification requirements, financial compliance rules, or platform features.

The latest version will be posted on this page and becomes effective upon publication unless otherwise stated. For material changes, we will try to provide clearer notice inside the platform.

16) Contact

If you have questions about coin top-ups, refunds, the VIP subscription, rewards, withdrawals, or fees, you can contact us at: [email protected].

For formal legal correspondence: [email protected].

Postal address: SULTAN X LTD, Flat 15, Aneurin Bevan Court, 55 Coles Green Road, London NW2 6EE, United Kingdom.

The Arabic and English versions are meant to say the same thing and both apply. If they differ, the version in the language you use the service in (the language selected in the app or on the page) applies to you.