Terms of Service

Clear terms and conditions governing your use of the CallPayMin platform and services.

Last updated: November 26, 2025

Welcome to CallPayMin

These Terms of Service ("Terms") govern your access to and use of the CallPayMin platform, operated by CallPayMin LLC ("we", "our", or "us"). By accessing or using our platform, you agree to be bound by these Terms.

📋 By using CallPayMin, you acknowledge that you have read, understood, and agree to be bound by these terms and our Privacy Policy.

🗓️Subscription Plans & Auto-Renewal

Available Auto-Renewable Subscription

Plan Name: Pro Plan – Monthly
Duration: 1 month (auto-renewing)
Price: $49.99 USD per month (taxes may apply)
Included Benefits: Priority expert routing, extended consultation minutes, and enhanced scheduling tools.

Renewal & Billing

• Payment is charged to your Apple ID at confirmation of purchase.
• The subscription renews automatically each month unless cancelled at least 24 hours before the renewal date.
• Your account is charged for renewal within 24 hours prior to the end of the current period.
• Pricing and plan details are available within the app and are subject to change with prior notice.

Managing or Cancelling

• Manage or cancel your subscription in Settings → [Your Name] → Subscriptions on your device.
• Cancelling takes effect at the end of the current billing period; you retain access until then.
• You can request assistance at support@callpaymin.com for any billing or cancellation issues.
• Refund requests are handled in accordance with Apple’s App Store policies.

👤Eligibility and Account Requirements

Who Can Use CallPayMin

✓

Age Requirement

Must be at least 18 years old or have parental consent

✓

Legal Capacity

Capable of entering into binding legal agreements

✓

Geographic Restrictions

Available in supported jurisdictions only

✓

Professional Standards

For experts: verified credentials and expertise

Account Responsibilities

•Provide accurate and complete information
•Maintain confidentiality of login credentials
•Notify us immediately of unauthorized access
•Use the platform only for lawful purposes
•Comply with all applicable laws and regulations

🔒 You are responsible for all activities under your account, regardless of who performs them.

💳Payment Terms and Pricing

💰

Quester Payments

Per-minute billing for expert consultations

• Rates set by individual experts
• Billed in real-time during calls
• Automatic payment processing
• Instant billing notifications

📊

Expert Earnings

Revenue sharing and payout structure

• Competitive revenue sharing
• Weekly payout schedules
• Detailed earnings tracking
• Performance bonuses available

🛡️

Payment Security

Secure payment processing

• Stripe secure payment processing
• PCI DSS compliance
• Fraud detection and prevention
• Encrypted financial data

Important Payment Terms

•All payments are processed in USD unless otherwise specified
•Refunds are subject to our refund policy and individual circumstances
•Failed payments may result in account restrictions

•Platform fees may apply to certain transactions
•Tax reporting is the user's responsibility
•Pricing is subject to change with 30 days notice

🎁Promotional Credits and Referral Program

💰Signup Bonus Credit

$10 Welcome Credit: New users (both Questers and Experts) receive a $10 promotional credit upon creating their account.

•90-Day Expiration: Credits must be used within 90 days from the date of account creation. Unused credits will expire and be automatically removed from your account after this period.
•Usage: Credits can be applied toward call fees, consultations, or any platform services during the validity period.
•Non-Transferable: Promotional credits cannot be transferred to another account, exchanged for cash, or refunded.
•One-Time Offer: This promotional credit is available only once per user. Creating multiple accounts to receive additional credits is prohibited and may result in account termination.

🤝Referral Program

Earn by Referring: Share CallPayMin with others and earn commission when they join as Experts and generate revenue.

📋 How It Works

1.Generate your unique referral code in your dashboard
2.Share your referral link or code with potential Experts
3.When they sign up using your code and start earning, you receive commission
4.Commission is automatically calculated and added to your account

💵 Commission Structure

•Rate: 5% of the referred Expert's earnings
•Duration: 90 days from the date the referred Expert completes their first paid call
•Expert Share: Referred Experts still receive their full 80% share; the 5% commission comes from the platform's portion
•Payout: Referral earnings are paid out weekly via Stripe Connect, subject to minimum payout thresholds

⚠️ Important Terms

•Self-referrals are prohibited. Creating multiple accounts to refer yourself will result in immediate account termination and forfeiture of all earnings.
•CallPayMin reserves the right to review and verify all referrals for compliance with these Terms.
•Fraudulent referrals, spam, or misleading marketing practices will result in disqualification from the referral program and potential account suspension.
•CallPayMin reserves the right to modify, suspend, or terminate the referral program at any time with 30 days notice to active participants.
•Tax reporting for referral earnings is the responsibility of the referrer. CallPayMin will provide necessary tax documentation as required by law.

🎯Platform Usage and Conduct

Acceptable Use

✅ You May:

✓Seek professional advice and guidance
✓Share relevant information for consultations
✓Provide honest feedback and ratings
✓Report inappropriate behavior
✓Use platform features as intended

❌ You May Not:

✗Engage in harassment or abuse
✗Share confidential or proprietary information
✗Attempt to circumvent payment systems
✗Use the platform for illegal activities
✗Impersonate others or provide false information
✗Offer or request adult/sexual services
✗Share explicit or inappropriate content

🚫Prohibited Content & Services

CallPayMin is strictly a professional services platform. Any adult content, sexual services, or inappropriate material is prohibited and will result in immediate account termination.

This includes but is not limited to:

•Adult entertainment or sexual services of any kind
•Sexually explicit content, discussions, or materials
•Dating, escort, or companion services
•Content involving minors in any inappropriate context
•Any content that violates local, state, or federal laws

⚠️ Zero Tolerance Policy: Violations will result in immediate and permanent account termination, forfeiture of any pending payments, and potential legal action. We actively monitor for prohibited content and report illegal activities to appropriate authorities.

Expert Standards and Responsibilities

Professional Requirements

•Maintain verified professional credentials
•Provide accurate expertise information
•Deliver high-quality, ethical guidance
•Respect confidentiality and privacy
•Maintain professional communication

Platform Obligations

•Respond promptly to consultation requests
•Maintain updated availability schedules
•Comply with platform policies and guidelines
•Participate in quality assurance programs
•Report any technical issues promptly

©️Intellectual Property Rights

CallPayMin Property

All content, branding, technology, and intellectual property used on the platform belong to CallPayMin and its licensors.

•Platform software and source code

•CallPayMin branding, logos, and trademarks

•User interface designs and layouts

•Proprietary algorithms and methodologies

User Content Rights

You retain ownership of content you create, but grant us certain usage rights for platform operation.

•Profile information and professional credentials

•Reviews, ratings, and feedback

•Communications during consultations

•Any uploaded materials or documents

Usage Restrictions

Prohibited Actions:

• Copying or reproducing platform content
• Creating derivative works without permission
• Reverse engineering platform technology
• Using CallPayMin branding without authorization

Legal Consequences:

• Account termination and legal action
• Damage claims for intellectual property infringement
• Injunctive relief to stop unauthorized use
• Criminal prosecution where applicable

⚠️Disclaimers and Limitations

Service Disclaimer

CallPayMin is provided "as is" and "as available" without warranties of any kind, either express or implied.

⚠️No guarantee of service availability
⚠️Expert advice quality varies by individual
⚠️Technical issues may occur

⚠️No guarantee of specific outcomes
⚠️Platform features may change
⚠️Third-party service dependencies

Limitation of Liability

CallPayMin's liability is limited to the maximum extent permitted by law:

Excluded Damages:

• Indirect or consequential damages
• Lost profits or business opportunities
• Data loss or corruption
• Emotional distress or mental anguish
• Punitive or exemplary damages

Maximum Liability:

Our total liability for any claims shall not exceed the amount you paid to CallPayMin in the 12 months preceding the claim, or $100, whichever is greater.

⛔Account Termination and Suspension

Grounds for Termination

Immediate Termination:

• Violation of terms of service
• Fraudulent or illegal activities
• Harassment or abusive behavior
• Security breaches or hacking attempts
• Circumventing platform safeguards

Warning and Suspension:

• Minor policy violations
• Quality issues (experts only)
• Payment-related problems
• Inappropriate but non-harmful conduct

Termination Process

User-Initiated:

• Account deletion through settings
• 30-day grace period for reactivation
• Data retention per privacy policy
• Final payment processing

Platform-Initiated:

• Notice provided when possible
• Opportunity for appeal (non-legal violations)
• Account data handled per policy
• Outstanding payments settled

Important: Termination does not relieve you of obligations incurred prior to termination, including payment obligations and intellectual property restrictions.

⚖️Legal and Regulatory Information

Governing Law

These Terms are governed by the laws of the State of North Carolina, United States, without regard to conflict of law principles.

•Disputes resolved in North Carolina courts

•Federal court jurisdiction when applicable

•Class action waiver provisions apply

•Arbitration preferred for certain disputes

Dispute Resolution

Preferred Process:

1. Direct communication with support team
2. Formal mediation if needed
3. Binding arbitration for unresolved issues
4. Court proceedings as last resort

🤝 We're committed to resolving disputes fairly and efficiently.

📋

Severability

Invalid provisions don't affect remaining terms

🔄

Entire Agreement

These terms constitute the complete agreement

📝

Modifications

Changes require written notice and acceptance

📝Updates to Terms of Service

When We Update Terms

We may modify these Terms to reflect:

•Changes in our services or features
•Legal or regulatory requirements
•Industry best practices and standards
•User feedback and platform improvements

Notification Process

📧

Email Notice

Sent to all registered users

🔔

Platform Alert

In-app notification upon login

📅

30-Day Notice

For material changes

Your Options When Terms Change

Accept Changes:

• Continue using the platform normally
• No action required
• Automatic acceptance after notice period

Decline Changes:

• Terminate your account before effective date
• Contact support for assistance
• Export your data before termination

📞Contact Information

Questions About These Terms?

Our legal and support teams are here to help clarify any questions about these Terms of Service. We're committed to transparency and clear communication.

⚖️

Legal Department

legal@callpaymin.com

🛠️

General Support

support@callpaymin.com

📞

Phone Support

+1 910 477 8150

Business Information

CallPayMin LLC

🏢 Registered in North Carolina, United States

📍 Operating globally with local compliance

🛡️ Licensed and insured professional services

📋 Compliant with applicable regulations

Response Expectations

• Legal inquiries: 5-7 business days

• General questions: 1-2 business days

• Urgent matters: Same day response

Effective Date: November 26, 2025 | Document Version: 2.3 | Next Review: November 26, 2026