Terms of Service

1. About these Terms

• These Terms apply together with our Privacy Policy, Refund Policy and Content & Conduct Policy, which form part of them. If they conflict, these Terms win, except that the Privacy Policy governs how we handle personal data.
• Some features have extra rules shown where you use them (for example a price, a time limit or a limit on gift amounts). Those rules form part of these Terms.
• If you do not agree to these Terms, do not use the Platform.

2. Age rules

2.1 Under 13

The Platform is not for children under 13. Nobody under 13 may create an account or use the Platform, even with a parent's permission. If we learn that an account belongs to someone under 13, we will close it and delete its personal data, except what the law requires us to keep.

2.2 Ages 13 to 17 ("young users")

Under Nigerian law, anyone under 18 is a child. A young user may use the Platform only if a parent or legal guardian has agreed to these Terms and to our Privacy Policy on their behalf, including our processing of the young user's personal data. By using the Platform, a young user confirms that their parent or guardian has done so.

A young user may:

• watch and listen to houses and calls, chat, follow people, join a stage when a host invites them, and take part in games inside houses;
• claim free tickets to calls;
• with their parent's or guardian's permission, using money the parent or guardian has agreed they can spend: buy house passes and tickets to calls, send gifts in naira paid by bank transfer, USSD or card, and top up gift credit in naira the same way to send those gifts.

A young user may not:

• pay with crypto or pay in dollars, by any method;
• buy status, a seat or a status top-up;
• host a house or a call, pay the fee to go live, sell tickets, or take part in any feature that pays money to them;
• receive gifts, earn, hold an earnings balance, set up a payout method or withdraw;
• share their phone number, home address, school, social media accounts or other contact details in houses or chat, or arrange to meet anyone from the Platform.

2.3 Parents and guardians

A parent or guardian who allows a young user to use the Platform:

• agrees to these Terms for themselves and for the young user, and is responsible for the young user's use of the Platform;
• is responsible for every payment the young user makes, and authorises payments made from any bank account or payment method they let the young user use;
• understands that houses and calls are live and unscripted, that other people may be on camera, and that we cannot review live content before it is seen.

A parent or guardian can email [email protected] to ask about a young user's account, to withdraw consent and have the account closed, or to report a payment they did not allow. We will look at any report of an unauthorised payment by a young user and may reverse or refund it where the money has not yet been paid out to a host. A refund is not guaranteed once the money has been paid out.

2.4 Hosting, earning and payouts: 18 or older

You must be at least 18 to host a house or call, sell tickets, receive gifts, earn on the Platform, set up a payout method or withdraw. By completing your host profile, agreeing to these Terms when you do, or setting up a payout, you confirm that you are 18 or older.

2.5 How we check age, and what happens if a rule is broken

• We may ask for proof of age or identity at any time, and we check identity with a government-issued ID before any payout. The date of birth on that ID is what we go by.
• If an ID check, or anything else we learn, shows that an account does not meet these age rules, we may block it from hosting, earning, receiving gifts and withdrawing, permanently, even if a later check passes. We may also restrict or close the account.
• Money earned by someone under 18 is not payable to them. We may refund it to the people who paid, or hold it and deal with it as the law requires. We will not pay it out to the account holder.
• Lying about your age, or using someone else's ID or account to get around these rules, is a serious breach of these Terms.

3. Your account

• One person, one account. Your account is personal to you. You may not share it, sell it, transfer it, or let someone else use it, and you may not create accounts to get around a restriction we have placed on you.
• Give us true, current information and keep it up to date. Confirm your email address with the code we send you. Until you do, you cannot withdraw, and the real owner of that email address can take the account back.
• Keep your password and email account secure. You are responsible for everything done from your account unless you tell us promptly at [email protected] that someone else has used it.
• Your username, display name, photo and host profile must follow our Content & Conduct Policy. They may not contain sexual words or emoji, or suggest that you are use.live staff or someone you are not. Our systems refuse names with words on our blocked list, and we may change or remove a name, profile or photo that breaks these rules. If we change your name, your house's name changes with it. Limits on names, such as their length and how often you can change them, are shown in the app.
• The same account works on use.live and wherever use.live appears inside a partner's app or game, and on our TV app once you pair it. See Section 13.

4. What use.live offers

4.1 Calls

Hosts sell tickets to paid voice and video calls. Only people with a ticket can join. A host may ask buyers questions at checkout and sees the answers.

4.2 Houses

• Houses are paid. You need a house pass to join a live. A pass is for one host's house and lasts 1 day (24 hours) from when you buy it. Until then it gets you into every live in that house. It ends then whether or not the host goes live in that time; we do not promise any number of lives.
• The host sets the price. We may also change a house's price, for example if it breaks our rules, and we tell the host when we do. A new price never changes a pass already bought.
• A live runs for as long as the host chooses, but we may end a live that has been left empty or idle, or end lives while we take the Platform down for maintenance. A pass's 24 hours keep running during maintenance; if that stops you getting what you paid for, see our Refund Policy.
• Houses by link only do not appear in the lobby, but anyone who has the link can join. They are not secret or confidential, so do not treat them that way.
• Hosts control their house: who is on stage, who can speak, who is muted, pins, video and chat lines. A host can make people moderators for a live, who can then mute people, change who is on stage and turn off cameras. In a call, if the host steps away, the person who has been there longest can stand in with the same controls until the host is back.
• House chat belongs to the host's house and stays there after a live ends. The host and anyone who has joined one of their lives can read it and add to it.

4.3 Games in houses

Games inside houses (such as passing the "hot potato") are for fun only. They cost nothing to play, nothing can be won, and they have no prize or value. You may not run, promote or take part in betting, lotteries, raffles, paid giveaways or any game of chance with money or money's worth on the Platform, including games paid for or rewarded with gifts.

4.4 Gifts, status and boards

You can send gifts of real money to a host or to someone who has been in their house, gain or buy status, and appear on public boards. See Section 7.

4.5 Changes to the Platform

We are always changing the Platform. We may add, change, test, limit or remove features, limits and prices, and features may differ between people, devices and countries. We will not change the price of something you have already paid for.

4.6 We are not a bank

We are not a bank, wallet, money transfer service or crypto exchange. You cannot deposit money with us or hold a balance to spend later. A balance on the Platform is our record of earnings we owe a host, payable under Section 8. It earns no interest, has no value outside the Platform and cannot be transferred.

5. Live content, video and clips

• Houses and calls are live. Anything you say, show, type or pin can be seen and heard by everyone in the house, including people who join later and, in houses that show in the lobby, anyone on the Platform.
• Your camera is off unless you turn it on. When it is on, everyone in the house can see you. Make sure nothing and nobody is on camera that should not be. We may turn off video for a house or an account.
• The Platform lets people record short clips of a house to share. The house is told when someone records. By speaking or appearing in a house, you accept that you may appear in a clip. Clips must not be edited to mislead, used to harass anyone, or used for anything that breaks these Terms. A person who shares a clip is responsible for it.
• Apart from the clip feature, do not record, screenshot, stream or share a house or call, or anyone in it, without the consent of the host and the people shown.
• Clip studio. Where we turn it on for you, the clip studio lets you set up a pretend house, with gifts, amounts, names, photos and a crowd size that you type in, to record and post as promotion. Nothing in it is real: no money moves, nobody is in the house and nothing is saved by us. Anything you post from it must say clearly that it is a demo or simulated house. You must not present it, or claim, that the gifts, earnings or audience in it are real, or suggest that anyone will earn those amounts. Use another person's name or photo in it only with their consent. You are responsible for what you post, and we may turn the clip studio off for you at any time.
• Some things are public: your display name, photo, host profile, follower and joiner counts, status badge and board rank (unless you hide them), and any gift you send in a house, shown with your name and the amount. See our Privacy Policy.

6. Hosting

• Before you host, you complete a host profile (what you do and an optional link) and agree to these Terms. You must be 18 or older (Section 2.4). We may also ask you to verify your identity before you host.
• Followers to go live. Going live in a house needs a minimum number of followers, and showing on the public Live list may need more. We set both numbers and may change them. Paid calls do not need followers. We may let a host go live and show on Live before they reach the minimum.
• Fee to go live. Where we offer it, you can pay a one-off fee in naira to go live, and show on Live, before you reach the minimum. Only adults may pay it. It is a fee to us; no host or other user receives any of it. It is final once paid and does not expire, but it does not guarantee that you will earn anything, does not exempt you from these Terms, and does not stop us limiting or removing your hosting, or your place on Live, under Section 11. If we later find you were under 18 when it was paid, we refund it under our Refund Policy.
• Describe yourself honestly. Do not claim a qualification, licence, job title or link that is not yours.
• Regulated work. If you present yourself as a doctor, nurse, pharmacist, therapist, lawyer, financial adviser or any other professional whose work needs a licence, you must hold that licence where the law requires it. Sessions give general information only. Do not diagnose or prescribe for anyone in a house, and anyone who needs personal advice should see a professional in person.
• No investment schemes. Do not offer, promote or sell investments, securities, crypto or digital assets, trading signals, "money doubling", pyramid or Ponzi schemes, or any other scheme that promises a return.
• Deliver what you advertise: start on time, run the session as described, and for paid houses and calls, show up. If you don't, the people who paid may get refunds under our Refund Policy, taken from your earnings.
• You are responsible for your house: what you and the people you bring on stage say and show, and for using the host tools to keep it within these Terms.
• Young users in your house. Houses may include people under 18. Never ask anyone in a house for gifts, money, photos, contact details or to talk somewhere else, and never pressure anyone to pay or gift. Do not single out, flirt with or privately contact anyone who appears to be under 18.
• You must own or have permission for everything you stream, including music, video, slides and anything you broadcast from other software.
• Hosts are independent. You are not our employee, agent or partner, and you are responsible for any licences, registrations and taxes that apply to you.
• We do not guarantee that you will earn anything, or that your house will be shown in the lobby or in any position. Where a house appears is for us to decide.

7. Payments, gifts and status

7.1 Prices and fees

• Prices are in naira (NGN) or US dollars (USD), as shown. We show the full amount you will pay before you pay.
• Current fees: buyers pay a 5% service charge on top of a ticket or house pass price; we keep 10% of that price; we keep 20% of each gift; and we keep all of a status purchase and of the fee to go live. Payment and network fees may also apply. Fees may change, but not for something already paid. See How it works.
• Prices and fees may include, or be subject to, taxes such as VAT where the law requires.

7.2 How you pay

• Through our payment partner Bachs we take naira by bank transfer, card or crypto, and dollars by card, crypto or mobile money (charged in your local currency and converted by Bachs). Through Paystack and Flutterwave we take naira by bank transfer, USSD, bank account or card. Through Stripe we take bank payments in GBP, EUR or USD for dollar gifts. Not every method is offered on every checkout; the checkout shows which you can use. Each payment partner's own terms also apply.
• Pay the exact amount shown, from the account shown, before the checkout expires. A payment is complete only when our payment partner confirms it to us. If a payment arrives late, is the wrong amount, or reaches us after a checkout has closed, contact [email protected]; we will credit it or return it as our payment partner allows, less any fees it charges.
• Crypto is for adults only. Crypto payments cannot be reversed. You are responsible for using the right network, address and amount. Crypto prices can change and networks can be slow, and you take those risks. Make sure crypto is lawful for you where you live.
• If a payment is reversed, recalled, disputed or charged back (including a card chargeback), or turns out to be unauthorised or fraudulent, we may cancel what it paid for (including a ticket, gift or status), take the matching amount back from the host's balance, and recover it from you.

7.3 Tickets and house passes

A ticket lets the buyer into the call it is for. A house pass lets the buyer into every live in one host's house until it ends (section 4.2). Both are personal and cannot be resold or shared. Refunds follow our Refund Policy.

7.4 Gifts

• A gift is real money you choose to give a host, or someone who has been in their house. It goes, less our fee, to their balance, and they can withdraw it.
• Gifts are voluntary and final. A gift buys nothing and creates no promise from the person who receives it or from us. Do not gift because someone promised you anything in return.
• Gifts may not be used to pay for anything off the Platform, to pay for anything these Terms prohibit, or to move money between people for any other purpose. You may not gift yourself, directly or through another account.
• Gift amounts are limited per gift and per day. The limits are shown in the app and may change.
• A gift message is shown in the house with your name and the amount. Hosts may hide it.

7.5 Gift credit

• Gift credit is naira you pay in ahead so you can send gifts and buy house passes without paying for each one. You top it up in naira through Bachs (bank transfer, card or crypto), Paystack or Flutterwave (bank transfer, USSD, bank account or card). If a top-up is charged back or reversed, we may take the same amount off your gift credit, and recover from you any of it already spent.
• Gift credit can only be spent on gifts and house passes on the Platform. It is not a bank account, wallet or deposit, earns no interest, and is not part of any balance you can withdraw. It cannot be withdrawn, cashed out, refunded, transferred, sold, or sent to anyone except as a gift.
• Gifts paid from gift credit follow section 7.4 like any other gift: they are final and count toward the daily gift limit. House passes paid from gift credit follow section 7.3 and our Refund Policy like any other pass, and a refunded pass goes back to your gift credit.
• We limit how much gift credit you can hold and how much you can add in a day. The limits are shown in the app and may change. Gift credit does not expire while your account is open.
• We refund unspent gift credit only where our Refund Policy says we do, or the law requires it. If we close your account for breaking these Terms, or if a top-up is reversed, recalled or found to be fraudulent, we may remove the matching gift credit. Otherwise, if we close your account or stop offering gift credit, we will refund unspent gift credit to the bank account it came from.

7.6 Status and seats

• Status (Baller, Chief, Investor, Odogwu and Refinery owner) shows how much someone has spent on use.live in naira in the current calendar month (Lagos time). You reach it by spending, or by buying it at the price shown.
• Status starts again from nothing on the 1st of every month, including status you bought. The status or seat you hold when a month ends is kept on your page as a badge for that month. A kept badge has no perks.
• The top seats (Refinery owner and Odogwu) go to the top spenders. Someone who spends more can take your seat at any time, including a seat you bought, and you will not get money back when that happens.
• Status purchases are final. Status has no cash value, cannot be transferred, and never makes houses cheaper or fees lower. We may change status levels, prices, perks and how status is worked out, and the change applies from then on.
• Hosts are always in charge of their own house. A host can turn off walk-ons and pins, remove a pin, take anyone off stage and mute anyone, whatever their status.
• We may remove status, a seat or a board place from an account that breaks these Terms, or whose spending was paid back or is under review, without refund.

7.7 Boards

We publish boards of top spenders, top earners and top promoters for each calendar month (Lagos time). They start again on the 1st, and the badges people hold when a month ends stay on their page. Money boards show rank and badges, not amounts. You can hide your badge, or take yourself off the boards, in your account settings; you then show as "Private". You can also ask [email protected] to do it for you.

8. Earnings and withdrawals

• You may have two balances, one in naira and one in dollars. They are never added together or converted from one currency to the other.
• To withdraw, you must be 18 or older, have a confirmed email address, pass our identity check (run by our verification partner, Dojah), and enter the code we email you.
• Naira withdrawals go only to a Nigerian bank account in the same name as your verified ID. Dollar withdrawals go to a crypto wallet you give us, or to a bank account through your own Stripe account, where Stripe supports your country. Stripe's own terms apply to your Stripe account.
• A withdrawal fee applies (currently 1.5% of the amount), plus any network or bank fees. Minimum amounts apply and are shown in the app. Check every bank detail and wallet address: a payout sent to the details you gave us cannot be recalled.
• Money you earn can be withdrawn 2 days after you earn it. Some money takes longer, for example dollar payments, which wait until our payment partner has settled them. Until then it shows in your balance as not yet available.
• We review withdrawals before paying them. Most are paid within about a day, but timing is not guaranteed.
• We may hold, reverse or cancel earnings, or refuse or delay a withdrawal, when: a payment behind them is reversed or disputed; we suspect fraud, money laundering, stolen accounts or gifts sent between linked accounts; the earnings came from a breach of these Terms; the account does not meet the age rules; or the law, a regulator, a court or a payment partner requires it. We may also set off any amount you owe us against your balance.
• We may report suspicious activity to the authorities, including the Nigerian Financial Intelligence Unit, and may not be allowed to tell you that we have.
• You are responsible for declaring and paying any tax on your earnings.

9. Refunds

Refunds are governed by our Refund Policy. In short: if a host doesn't show up for a paid house or call, or a fault on our side stops it from happening, you can ask for a refund. Gifts and status purchases are final, except where the Refund Policy or the law says otherwise.

10. Rules for everyone

The full rules are in our Content & Conduct Policy. In particular, you must not:

• show, say, share or ask for anything sexual, including nudity on camera, sexual talk, sexual names or emoji, or ads for sexual services;
• do anything sexual involving, or aimed at, a person under 18, groom or try to contact a young user privately, or ask a young user for photos, money, gifts or contact details. We close these accounts at once and report them to the police and other authorities;
• bully, harass, threaten, stalk or shame anyone, or post hate speech or content that promotes violence, self-harm or terrorism;
• share anyone's personal information without their consent, including phone numbers, addresses, ID numbers, bank details or photos;
• scam, impersonate, deceive or mislead anyone, or run any betting, gambling, lottery or investment scheme;
• present staged or made-up gifts, earnings or audiences as real, on the Platform or anywhere else, including clips from the clip studio (Section 5);
• ask people to pay you outside the Platform for something offered on it, or otherwise get around our fees, tickets or limits;
• sell or promote anything illegal, including drugs, weapons, counterfeit goods, fake documents or stolen data;
• infringe anyone's copyright, trademark or other rights;
• use bots, scripts or scraping, interfere with the Platform, its security or other people's use of it, or create fake accounts, joins, follows or spending;
• break any law that applies to you or to what you do here.

11. Moderation and enforcement

• We may watch public houses, review names, photos, chat and other content, and use automated tools to find content that may break these Terms. Our automated tools may refuse a name with a word on our blocked list, and you can pick another; a person decides any warning, restriction or closure. We are not able to see everything live, and we are not responsible for what users say or show.
• If we believe you have broken these Terms or the law, or to protect anyone's safety, we may, with or without notice: warn you; remove or hide content; remove your photo or change your name; remove you from a house or end your house; turn off your video; stop you hosting, hosting in public or earning; take you off the boards and remove your status; hold money under Section 8; suspend your account and sign you out; or close your account.
• Report an account from its house page, or report anything that breaks these Terms to [email protected]. We do not tell the person you reported who reported them. Making false reports to harm someone breaks these Terms. For a child safety concern, put "Child safety" in the subject line and we will treat it first. If anyone is in immediate danger, contact the police.
• We work with law enforcement and regulators and will share information with them where the law requires it or where we believe it is needed to protect someone from serious harm.
• If you think we got a decision wrong, email [email protected] within 30 days and tell us why. A person will review it.

12. Privacy

Our Privacy Policy explains what personal data we collect, including identity checks for payouts, and how we use and share it. For young users, a parent or guardian consents to this on their behalf (Section 2.2).

13. Partners and other services

• use.live can appear inside partners' apps and games. There it is still use.live, run by us under these Terms, with the same account. The partner's own terms cover its app or game, not use.live.
• We share totals with partners, such as how many players, sign-ups and sales came through them. We do not give partners your personal details.
• We rely on other companies to run the Platform, including for payments (Bachs, Paystack, Flutterwave, Stripe), identity checks (Dojah), live audio and video (GetStream) and app stores. Their services are covered by their own terms, and we are not responsible for them, or for websites people link to from the Platform.

14. Intellectual property

• The Platform, its software and design, and the names use.live and Motion belong to us or our licensors. You may not copy, change or reverse engineer them except as the law allows.
• You keep ownership of what you create. You give us a worldwide, non-exclusive, royalty-free licence to host, store, transmit, show and adapt it to run, improve and promote the Platform. The licence ends when you delete the content or your account, except for content others have already shared or that we must keep.
• If you send us ideas or feedback, we may use them without paying you.
• If you believe something on the Platform infringes your rights, email [email protected] with the content, where it is and why. We may remove it and close the accounts of repeat infringers.

15. Disclaimers

• We provide the Platform "as is" and "as available". We do not promise it will always work, be free of errors, or be available everywhere.
• Hosts and users are responsible for their own content. We do not check, endorse or guarantee it, or the outcome of any session. Nothing said in a house or call is professional, medical, legal or financial advice from us.
• These disclaimers apply only as far as the law allows.

16. Our liability and yours

• Nothing in these Terms limits liability that cannot be limited by law, including for death or personal injury caused by negligence, for fraud, or your rights under the Federal Competition and Consumer Protection Act.
• Otherwise, we are not liable for loss of profit, income, data or opportunity, or for indirect or unforeseeable loss, or for what other users do.
• Otherwise, our total liability to you for all claims is limited to the greater of the fees we kept from your payments and earnings in the six months before the claim, and ₦50,000.
• You will compensate us for claims, losses and costs (including reasonable legal fees) arising from your content, your sessions, your breach of these Terms or your breach of the law.

17. Ending your account

• You can close your account at any time by emailing [email protected] from your account's email address. Withdraw your balance first; if you can't, tell us and we will deal with it under Section 8.
• We may suspend or close your account under Section 11, or if we stop offering the Platform. Whatever the reason, we will pay out the balance you are owed once you meet the withdrawal requirements, with two exceptions. Earnings that came from a breach of these Terms are refunded to the people who paid them: naira as gift credit, and dollars to the way they paid where our payment partner allows. Money held, reversed or not payable under Section 2.5 or Section 8 is dealt with there.
• Sections that by their nature should continue after your account ends will continue, including those about payments owed, licences, liability and disputes.

18. Governing law and disputes

• These Terms are governed by the laws of the Federal Republic of Nigeria.
• If you have a complaint, email [email protected] first. We will try to resolve it within 30 days.
• If we cannot, the courts of Lagos State, Nigeria, have jurisdiction. Nothing here stops you from complaining to the Federal Competition and Consumer Protection Commission or any other regulator, or from using any right you have as a consumer under the law of the place you live.
• If you use the Platform from outside Nigeria, you are responsible for following your local laws.

19. Changes to these Terms

We may update these Terms. We will change the date at the top, and for changes that matter we will tell you in the app or by email at least 7 days before they take effect, unless a change is needed sooner for legal or safety reasons. If you keep using the Platform after a change takes effect, you accept it. If you do not accept it, stop using the Platform and close your account.

20. General

• These Terms, with the policies they include, are the whole agreement between you and us about the Platform.
• If a court finds part of these Terms unenforceable, the rest still applies.
• If we don't enforce a right straight away, we can still enforce it later.
• You may not transfer your rights under these Terms. We may transfer ours to a company that takes over the Platform, and your rights will not be reduced by that.
• We are not responsible for delays or failures caused by events outside our reasonable control, such as outages at our providers, network failures, strikes or government action.
• We may send you notices by email or in the app. These Terms are written in English, and the English version governs.

21. Contact

United Castles Limited
Email: [email protected]