Refund Policy

This Refund Policy explains when payments on iosi.live may or may not be refunded. By buying coins, subscriptions, donations, advertising or other paid features, you accept this policy together with our Terms of Use.

1. Digital products & instant delivery

Coins, gifts, donations, creator subscriptions, banner ads and similar purchases are digital. Once payment succeeds, value is credited to a wallet, sent to another member, or an ad/subscription is activated. That delivery usually cannot be reversed like a physical return.

2. No refunds for user errors

We do not refund purchases caused by user error or decisions you later regret. Examples include (non-exhaustive):

• Buying the wrong coin pack or wrong amount by mistake
• Clicking pay by accident or confirming a checkout you did not intend
• Sending gifts, tips or donations to the wrong person
• Buying a subscription you no longer want after it activated
• Purchasing an ad with the wrong banner, link, size or duration
• Spending coins and then asking for the money back
• Change of mind, “I did not like the chat”, or unused coins left in the wallet
• Using another person’s card/PayPal without permission (report to your bank/PayPal; we may suspend the account)
• Losing access because you forgot a password, shared your login, or were banned for breaking the rules
• Currency conversion fees, bank fees or PayPal/Stripe fees charged by third parties

3. Coins, gifts, donations & subscriptions

Coins credited after a successful payment are generally non-refundable. Gifts and donations sent to other members transfer value that may already appear in their earnings — those transfers are final.

Creator subscriptions unlock access for a paid period. After activation we do not refund remaining time for user regret or unused private photos.

4. Advertising

Self-serve ads activate after successful payment for the chosen size and duration. We do not refund because you chose the wrong creative, URL, placement or length, or because performance was lower than you hoped. Ads removed for policy violations are also non-refundable.

5. Withdrawals & earnings

Earnings withdrawals via PayPal are payouts of money you earned on the platform, not purchases. Once a valid withdrawal is paid out, it cannot be “refunded” back as a purchase reversal. Converting earnings to spendable coins may reduce or remove the ability to cash out that amount.

6. Chargebacks & payment disputes

If you open a chargeback or PayPal dispute for a valid purchase, we may freeze or ban the account, reverse related credits where possible, and share payment records with the processor. Contact support@iosi.live first — friendly resolution is faster than a dispute.

7. Limited exceptions

We may, at our sole discretion, help when there is a clear technical fault on our side (for example a double charge for the same order with no delivery). Mandatory consumer rights in your country are not limited where the law does not allow a waiver. User error is not a technical fault.

8. How to contact us

For billing questions write to support@iosi.live or use the Contact form. Include your username, approximate payment time, amount and payment method. We usually reply within 24–48 hours.