Chat Buyer Agreement


1. Introduction and Acceptance of Terms

A. Agreement to Terms: By accessing and using the Premium.Chat website (www.Premium.Chat) or Premium.Chat widgets, and by engaging in paid chat messaging with Chat Sellers on the platform, you (the "Chat Buyer" or "Buyer") agree to be bound by this Chat Buyer Agreement (these "Terms and Conditions"). This is a binding legal agreement between you and FutureQuest Marketing, Inc., a Florida corporation (the "Company"). If you do not agree to these terms, you must not use the Site or participate in any Premium.Chat services.

B. Roles of Parties: The Company operates the platform and provides billing and technical services that enable chat interactions. The actual paid chat services (“Chat Seller Services”) you purchase are provided by independent users of the Site known as Chat Sellers. Chat Sellers set their own rates and offer chat-based content or advice; the Company itself is not the provider of those chat services. Instead, the Company’s role is to facilitate the connection between Chat Buyers and Chat Sellers and to process payments on behalf of Chat Sellers. All Chat Seller Services you receive are the sole responsibility of the individual Chat Seller who provides them.

C. Entire Agreement: These Terms and Conditions constitute the entire agreement between you and the Company regarding your use of Premium.Chat as a Chat Buyer, superseding any prior agreements or understandings. Please note that when using certain features of the Site, you may be subject to additional guidelines or rules posted on the Site (such as Community Guidelines or Privacy Policy). All such rules are incorporated by reference into this Agreement, and the Company will enforce them to maintain a safe community for Chat Buyers and Chat Sellers.

D. Changes to Terms: The Company may update or modify these Terms and Conditions from time to time. Changes may include, for example, modifications to payment procedures, new policies, or adjustments to rules for content and conduct. You agree to periodically review the Terms and any Site announcements to stay informed of any changes. If you do not agree with a change, you must cease using the Site and can cancel your Chat Buyer account as described herein. Your continued use of the Site or any Chat Seller Services after changes to the Terms constitutes acceptance of those changes.

E. Digital Platform Use Only: Premium.Chat is a platform intended for online-only interactions. As a Chat Buyer, you agree to use the Site and its chat services strictly in the provided online environment. Off-platform transactions or communications are strongly discouraged and undertaken at your own risk. You should not attempt to bypass the platform by arranging payments or meetings with Chat Sellers outside of Premium.Chat. The platform is designed with privacy and safety features (anonymity, secure payment processing, etc.) to protect both Buyers and Sellers. The Company will not be liable for any issues (such as fraud, privacy breaches, or dissatisfaction) that arise if you choose to engage with a Chat Seller outside the Premium.Chat platform. Always keep communications and transactions on the Site for your safety and security.

2. Eligibility and Age Verification

A. Adult Only – Minimum Age: You must be at least 18 years old (or the age of legal majority in your jurisdiction, if higher than 18) to register as a Chat Buyer or to use the Premium.Chat services. By registering and using the Site, you represent and warrant that you meet this age requirement. The Site is strictly not for use by minors. Any misrepresentation of your age in order to access the Site will result in immediate termination of your account and could subject you to legal liability.

B. Jurisdiction-Specific Requirements: In certain jurisdictions, local laws require age or identity verification for users accessing adult-oriented services like Premium.Chat. Currently, this includes the U.S. states of Arkansas, Virginia, Mississippi, Utah, Louisiana, and Texas. If you are accessing the Site from any of these locations (or any other location that implements such a requirement), you may be required to complete an age and identity verification process to prove you are of legal age. This verification may involve submitting a government-issued ID and/or a live photo (selfie) through a third-party verification service. Premium.Chat will prompt you for such verification if it is required, and you must successfully complete the process to continue using the Site.

C. Verification Data Handling: Any biometric or identification data collected from you for age verification purposes will be handled in accordance with applicable privacy laws. Premium.Chat may use trusted third-party verification providers to process this data securely. By completing a verification, you consent to Premium.Chat (or its agents) performing the necessary checks. The Company does not store your identity documents long-term beyond what is necessary for compliance; all such data is maintained securely and disposed of per relevant regulations.

If you do not meet the age requirements or refuse any required verification, you must refrain from using the Site. Premium.Chat enforces a zero-tolerance policy for underage usage, and any violation will result in permanent account ban and possible reporting to legal authorities.

3. Chat Buyer Account Registration

To use Premium.Chat as a Chat Buyer, you must create a user account.

A. Accurate Information: You certify that you are at least 18 years old (or the applicable age of majority) and that all information you provide during registration (and thereafter) is true, current, and complete. This includes your name (or chosen username/alias), email address, and billing details. Providing false, outdated, or incomplete information is grounds for immediate termination of your account. The Company may also pursue legal remedies if fraudulent information is used.

B. Username and Alias: During registration, you will choose a username (which may be displayed to Chat Sellers). Choose this alias carefully. You may not use a username that violates someone else’s intellectual property (e.g., a trademarked name), impersonates another person (especially not a celebrity or public figure), or is offensive, derogatory, or misleading. Usernames that suggest you are another person or that you are a Chat Seller when you are not, are prohibited. If your chosen alias is deemed inappropriate or violates these rules, the Company may require you to change it or may terminate your account.

C. Account Ownership: All usernames and accounts on the Site are the property of the Company. You receive a limited, revocable permission to use the account while in good standing under these Terms. You do not own your account or username; Premium.Chat can reclaim or reassign usernames and accounts as needed for operational or policy reasons.

D. Contact Information and Communication: You must provide a valid email address when registering (and update it if it changes). This email is used for account verification, important service announcements, and quality assurance communications. By becoming a Chat Buyer, you agree to receive emails from Premium.Chat regarding your account activity, transaction receipts, and promotional offers related to the Site’s services and products. You can opt out of non-essential promotional emails via your account settings or unsubscribe link, but understand that certain transactional or account-related emails will still be sent as they are necessary for service (for example, password resets, verification codes, billing issues, etc.).

E. Account Security and Use: You are solely responsible for all activity conducted under your account. This includes any messages sent, content viewed or shared, and charges incurred. You must keep your login credentials (username and password) confidential. Do not share your account or allow others (especially minors) to use it. You are responsible for maintaining the security of your device(s) and should log out after each session if using a public or shared computer. The Site will not permit sending messages from phone numbers or devices not linked to your account, as a security measure. You cannot transfer or assign your account to anyone else. If you become aware of any unauthorized use of your account or suspect that someone else has gained access to your credentials, you must immediately notify the Company and change your password. The Company is not liable for any loss or damage arising from your failure to safeguard your account.

F. Content Rights and Restrictions (Buyer): As a Chat Buyer, you understand that any content you receive from Chat Sellers (whether text, images, videos, or other media in chats or in your account’s media section) is for your personal viewing only. You do not have any ownership, licensing, or redistribution rights to this content. You are expressly prohibited from copying, distributing, publishing, modifying, selling, or otherwise exploiting any content received from Chat Sellers or through the platform. This includes taking screenshots or recordings of private chats or saving media to redistribute elsewhere. Violation of these content restrictions is a serious breach of this Agreement and will result in termination of your account. The Company and/or the Chat Seller may also pursue legal remedies against you for unauthorized use or distribution of content, and you may be subject to statutory damages, penalties, and injunctions under applicable law.

G. On-Platform Transactions Only: For your safety, do not solicit or engage in transactions or communications with Chat Sellers outside of the Premium.Chat platform. The Premium.Chat system is designed to protect both Buyers and Sellers through privacy controls and secure payments. If you attempt to circumvent the platform by dealing directly with a Chat Seller off-site (for example, paying them via another service or meeting in person), the Company cannot assist you in case of a dispute, fraud, or misuse of your information. The Company is not responsible or liable for any losses or harm you may suffer from such outside dealings, and such actions are strongly discouraged. Furthermore, Chat Sellers are forbidden by their agreement from sharing their off-platform contact information or accepting outside payments, so you should not ask them to do so. If a Chat Seller invites you to communicate or pay outside the platform, please report this behavior to the Company.

H. Suspension of Privileges: If you violate these Terms or any other site rules, or if your account is under investigation for misconduct, the Company may suspend your ability to send or receive messages and/or your access to the Site. You are not permitted to create a new account or use the Site in any way if your account privileges have been revoked, unless you have the Company’s prior written permission. Attempts to bypass a suspension (for example, by creating a new account under a different name) may lead to permanent ban of all associated accounts.

I. Account Cancellation: You have the right to cancel your Chat Buyer account at any time. To do so, you may log into the Site and navigate to your account or profile settings to find the account cancellation option, or use the Site’s contact form (selecting the option related to account cancellation), or send an email request to the site administrator at [email protected] from the email address associated with your account. The Company may require verification to confirm that the account owner is initiating the cancellation. Once your cancellation request is received, the site administrator will review and process it. Please note: even after cancellation, you remain responsible for any outstanding payments or fees incurred prior to cancellation. Also, certain provisions of this Agreement (such as indemnification, content restrictions, and dispute provisions) will survive the cancellation of your account.

Cancellation is generally permanent – if you later wish to rejoin Premium.Chat, you may need to create a new account (subject to any waiting periods or restrictions the Company chooses to enforce).

J. Account Termination by Company: The Company reserves the right to terminate your Chat Buyer account or access to the Site at any time, for any reason, or no reason, with or without notice. Grounds for termination may include, without limitation: violation of these Terms or any policy, abusive behavior, fraudulent activity, chargebacks or non-payment, or any conduct that the Company deems harmful to the community or the business. If Premium.Chat decides to shut down the Site entirely or ceases operations, all Chat Buyer accounts will likewise be terminated immediately without notice. In any termination scenario (whether initiated by you or by the Company), you will remain liable for any unpaid balances on your account and any other liabilities arising from your use of the Site or breach of these Terms. Termination of your account does not waive or affect any right or remedy that the Company has against you.

4. Fees, Billing, and Refund Policy

A. Non-Refundable Purchase Policy: When you purchase a paid chat session or any service/content from a Chat Seller through Premium.Chat, all sales are final and non-refundable. You understand and agree that once a chat session has been initiated (or content has been delivered), you are not entitled to a refund of the fees except in extraordinary circumstances as determined by the Company (such as a verified technical failure that prevented the session from occurring). The Company may, in its sole discretion, issue courtesy credits or refunds in the form of Premium.Chat platform credit or reversal to your credit/debit card only in cases it deems warranted (e.g., the session did not occur due to server or technical issues, etc.). If you have a billing inquiry or believe a charge was made in error, you should contact the Company’s customer support for assistance (see Contact Information at the end of this Agreement). Charge disputes or unwarranted chargebacks may result in the termination of your account (see H below).

B. Pricing of Chats: Chat Sellers set their own price per minute for live sessions or a flat rate for a session or content package. These prices are clearly displayed to you before you confirm and pay for a chat or purchase. Prices are subject to change at any time at the Chat Seller’s discretion, but any new price will be shown to you prior to starting a new session or purchase. You have the responsibility to review the price each time before confirming a transaction. By proceeding with a chat or content purchase, you agree to pay the price indicated.

C. Payment Through the Platform: All payments for Chat Seller Services must be made through the Premium.Chat platform using the provided payment methods. You agree not to attempt to pay Chat Sellers in any way outside the Site (see also Section 3G regarding off-platform transactions). Premium.Chat supports various payment methods (e.g., credit card, debit card, or other electronic payment options as made available). When you initiate a paid chat or content purchase, you authorize the Company (or its payment processor) to charge your selected payment method for the fees indicated.

D. Account Records: You can view your past chat transactions, charges, and usage history by logging into your Premium.Chat account dashboard. The Site provides records of your payments and chat session history for your reference. It is recommended that you review your account statements regularly. If you notice any discrepancies or unauthorized charges, contact customer support immediately.

E. Secure Payments: You may purchase chat services using a valid credit or debit card (or other payment instruments offered by the Site). All charges are processed securely. Premium.Chat uses encryption and works with reputable payment processors to protect your financial information. The Company does not store full credit card numbers on its servers (except possibly in tokenized form for repeat billing, in compliance with security standards). For your privacy, charges on your bank or card statement may be displayed under a discreet descriptor. Please note that in addition to the fees you pay on the Site, your bank or card issuer might charge separate service fees (for example, foreign transaction fees if applicable, or cash-advance fees depending on how they categorize the charge). Any such bank fees are outside of the Company’s control and are your responsibility.

Your credit card issuer agreement (or bank account terms) governs your rights and obligations as a cardholder or account holder, and nothing in these Terms alters your relationship with your bank. It is your responsibility to understand those terms. By using a payment method, you represent that you are authorized to use it and that you will not initiate a chargeback or reversal except in legitimate cases of fraud or error. The Company may accumulate individual chat charges and process them as a single charge or in batches for efficiency, and you consent to such aggregation of charges.

F. Responsibility for Connectivity and Security: You are responsible for any charges related to your access to the Site, such as internet service provider fees or mobile data charges. The Company is not responsible if you incur costs for bandwidth or connectivity when using Premium.Chat. Additionally, if you choose to save your payment information (e.g., allow the platform to remember your card for future use), you are responsible for securing your account to prevent unauthorized use. Do not save payment details if you share access to your device. If you suspect someone has gained unauthorized access to your Premium.Chat account or stored payment method, notify customer support immediately. Premium.Chat is not liable for any charges incurred due to your failure to safeguard your account credentials or devices. All valid charges made from your account (with your stored payment method or via your authenticated login) are presumed authorized by you and are non-refundable.

G. Chargebacks and Payment Disputes: If you initiate a chargeback or dispute with your credit card issuer or bank for a transaction made on Premium.Chat, the Company reserves the right to immediately suspend or terminate your Chat Buyer account. In case of a chargeback, you forfeit access to the related chat session or content, and you will be banned from using the service again. Premium.Chat has a strict policy against chargeback abuse to protect Chat Sellers from fraud. If you have an issue with a service, you are encouraged to contact Premium.Chat support to seek a resolution rather than disputing the charge with your bank. Should a misunderstanding occur with a transaction, our support team can often address it directly. Important: If you have questions about a charge on your statement or need clarification about billing, please contact the Company’s customer service (via the get-in-touch/contact page or email) before contacting your bank. Unwarranted chargebacks will be contested by the Company, and your account will be blacklisted from the platform.

5. Website Content and Intellectual Property

A. Content Monitoring and Safety: Premium.Chat maintains a comprehensive content monitoring system to uphold the integrity and safety of the platform. All content that is uploaded, sent, or shared via the Site (including chat messages, profile information, and media files) is subject to review. The Company uses a combination of automated tools and human moderators to detect and address content that may violate these Terms or applicable laws. Automated systems may scan text for prohibited language or scan images for illicit content. Additionally, users can flag or report content that concerns them. Any content that violates our policies (including the Prohibited Content Guidelines or Code of Conduct) may be removed without notice. The Company may issue warnings to, suspend, or terminate the accounts of users who violate content rules. This active monitoring is done to create a secure environment for all users and is consistent with industry best practices for trust and safety.

B. Ownership of Site Content: As a Chat Buyer, you acknowledge that you have no ownership or proprietary interest in the content or information available on Premium.Chat, other than content you have personally provided. All website design, text, graphics, interfaces, and content (and the selection or arrangement thereof) is either owned by the Company or licensed to the Company by third parties or Chat Sellers. Similarly, any content transmitted to you as part of Chat Seller Services is owned either by the Chat Seller who provided it or by the Company (as determined by agreements between the Company and Sellers). You are allowed to view such content for your personal use only as permitted by the platform’s functionality. You may not copy, modify, distribute, or create derivative works from any content on the Site without explicit permission from the content owner (except as allowed by law).

Moreover, any content that you submit or post on the Site (for example, messages you send, reviews or feedback, or any media you upload, if applicable) is licensed by you to the Company as described below. You retain any ownership of original content you provide, but you give the Company rights to use it (non-exclusively) so that the Site can operate.

C. Company Rights and Enforcement: The Company reserves the right (but not the obligation) to manage content on the Site in order to enforce these Terms. This means Premium.Chat can, at its sole discretion, remove, edit, move, or block any content that it deems objectionable or contrary to the Terms, without liability. The Company can also reorganize how content is displayed, or add/remove Site features that affect content presentation. If you, as a Chat Buyer, send any message or content that the Company finds harmful, offensive, abusive, or in violation of these Terms or any law, the Company has the right to immediately terminate or suspend your access. In such an event, you may lose access to any remaining paid credits or ongoing sessions without refund (if the termination is for cause). Enforcement actions may be taken without prior notice, especially for egregious violations. The Company is not responsible to you for any decision to remove content or terminate access in these circumstances, as maintaining a safe platform is its priority.

D. Intellectual Property and License Grant: All content and materials on Premium.Chat (including the compilations, magnetic translations, digital conversions, and software) are protected by copyrights, trademarks, and other intellectual property rights owned by the Company or licensed from others. "Premium.Chat" and associated logos/marks are trademarks of the Company protected by U.S. and international law. You agree not to infringe these rights.

By submitting any content, information, or materials to the Site (such as your profile data, any photographs or media you upload, and the text of messages or communications you send), you automatically grant the Company a royalty-free, perpetual, irrevocable, worldwide, non-exclusive license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such content (in whole or in part) and to incorporate it in other works or media. This license is necessary for the operation of the platform (for example, to display your username and messages to the intended recipients, to use your feedback to improve the service, etc.). The Company will not use any of your content in a way that publicly identifies you without consent; this license is primarily to enable internal use, moderation, and platform functionality. The Company also agrees not to share any of your personally identifying information with the public or third parties, except as permitted by our Privacy Policy or required by law.

You acknowledge that you have whatever rights necessary from third parties (if any) to grant this license for any content you submit. Do not upload or share content that you do not have the rights to use.

Lastly, you agree not to reproduce, copy, or redistribute any part of the Premium.Chat website (including other users’ content) without the express written permission of the Company. Unauthorized use of the Company’s intellectual property, or any content on the Site, is a violation of this Agreement and may also constitute infringement, subjecting you to civil and criminal penalties.

6. Code of Conduct

To maintain a respectful and lawful community, all users of Premium.Chat (both Chat Buyers and Chat Sellers) are required to adhere to the following Code of Conduct:

A. Guidelines for Behavior: By using Premium.Chat, you agree to conduct yourself in a manner that is respectful to others and in compliance with all applicable laws. All users must use the platform only for its intended purposes and refrain from any abuse. Specifically:

  • You shall not use Premium.Chat to promote or share any content that is illegal, harmful, threatening, abusive, harassing, defamatory, vulgar, hateful, or racially/ethnically offensive. This rule applies to all forms of content including text, images, video, and links.

  • You shall not engage in harassment of Chat Sellers, Chat Buyers, or any Company staff. This includes personal attacks, stalking, doxxing (publishing personal info), or any behavior that would cause distress or unwanted attention to someone.

  • You shall not impersonate any person or entity. This means you cannot pretend to be someone you are not (for instance, claiming to be a Company employee or another user, or falsely stating you are a minor, etc.).

  • You shall not interfere with other users’ experiences. Do not disrupt chats, attempt to flood or spam chat sessions, or otherwise impair others’ ability to have a conversation.

  • You shall not advertise or promote any products, services, or websites that are unrelated to Premium.Chat while using the platform. (For example, do not use a chat session you paid for as a means to market your own business to a Chat Seller or other users.)

  • You shall not attempt to solicit or obtain any personal data, passwords, account information, or financial information from any other user. Also, do not share such sensitive information about yourself in chats. Premium.Chat provides a secure environment; keep communications on-platform and within appropriate boundaries.

B. Compliance with Payment Card Rules: Premium.Chat’s services involve online payments, so all users must adhere to the rules set by payment networks (Visa, MasterCard, etc.). These Card Brand Rules prohibit using the service for any unlawful transactions or content that could cause the payment processors to be involved in illegal or brand-damaging activities. Examples of compliance requirements include not engaging in fraud, not using the service for money laundering, honoring chargeback processes properly, and adhering to age verification rules. Violation of these card network rules can result in immediate suspension. In particular, failure to abide by content restrictions (like those in Section 13 on prohibited content) can lead to account termination because such content is strictly forbidden by card network policies.

Premium.Chat is committed to enforcing these rules by:

  • Prohibiting violence or threats: Any violent or threatening behavior is not tolerated.

  • Preventing exploitation: Activities such as human trafficking, non-consensual sexual behavior, or any form of coerced content are strictly banned.

  • Ensuring all participants are adults and consenting: As detailed, no minors are allowed and all sexual content must be consensual.

  • Banning hate speech and harassment: Hate speech or personal harassment is forbidden.

  • Protecting user privacy: You may not reveal personal details about someone without consent (no “doxxing” or sharing of private communications).

If you violate any of these behavioral standards, Premium.Chat may remove offending content and suspend or terminate your account. In serious cases (such as discovery of illegal activity like exploitation or abuse), Premium.Chat will report you to the appropriate legal authorities.

C. Zero Tolerance Policy on Minors: Premium.Chat has a zero-tolerance policy regarding any involvement of minors. Any Chat Buyer or Chat Seller found to be engaging with anyone under 18, or attempting to involve a minor in any capacity on the platform, will have their account terminated immediately and may be reported to law enforcement. This is non-negotiable and strictly enforced to comply with global laws and to protect the platform’s integrity. Even “fantasy” discussions implying underage scenarios are not allowed (as covered in Prohibited Content Guidelines).

Additionally, all users must comply with our overall Compliance Policy which includes this and other standards. That policy reiterates: no violent, abusive, exploitative, or non-consensual behavior; all content must involve consenting adults; and everyone’s rights and safety must be respected. By using the service, you agree to uphold these standards at all times.

D. Reporting Problems: If you experience or witness any behavior that violates this Code of Conduct or any other policy (for example, harassment, suspected underage content, hate speech, etc.), you are strongly encouraged to report it immediately. You can use the Site’s contact form or the “Report a Problem” feature, selecting a category like “Compliance Concern” or similar. Provide as much detail as possible about the incident. All reports are handled confidentially by Premium.Chat’s Trust & Safety team. The Company takes user reports seriously and will investigate and take appropriate action (which may include issuing warnings, removing content, suspending accounts, or contacting law enforcement if needed). By reporting, you help maintain a safe community.

E. Off-Platform Conduct: This Code of Conduct not only applies to your activity on the Premium.Chat website, but also to certain off-site behaviors that could impact the Premium.Chat community or reputation. For example, if you harass a Chat Seller on social media or disclose someone’s private information that you learned through the platform, such actions, though off-site, can harm users or the service’s integrity. Premium.Chat reserves the right to take action against Chat Buyers or Chat Sellers for off-platform conduct that 1) violates our standards or 2) poses a threat to other users or the platform’s reputation. Such actions could include warnings or terminating your account on Premium.Chat.

In sum, whether you are interacting on Premium.Chat or elsewhere in connection with the platform, you must avoid any conduct that undermines the safety, privacy, and trust of the Premium.Chat community. The Company’s rights to act include immediate termination of your account if you seriously breach this Code of Conduct, even if that breach occurs outside the website itself.

7. Prohibited Content Guidelines

Premium.Chat strictly prohibits the creation, sharing, or solicitation of the following types of content:

  • Any Material Involving Minors: Absolutely no sexual or erotic content depicting or referring to individuals under 18. This includes written roleplay of underage scenarios, any use of imagery suggesting minors (like school uniforms in a sexual context), or even mentioning a person is underage. Phrases or references like “Lolita” or “young girl/boy” in a sexual context are disallowed. Even non-visual discussions or fantasies about underage individuals are forbidden.

  • Incestuous Themes: You may not request or distribute content that involves sexual situations between family members (whether by blood, step, or in-law). Any fetishization of incest (e.g., “daddy/daughter” roleplay) is banned.

  • Bestiality: Any sexual content involving animals or animal roleplay is strictly banned. This includes real depictions, as well as cartoons or animations of humans with animals. Even the use of animal imagery or costumes in an otherwise sexual context could be disallowed if it insinuates bestiality.

  • Non-Consensual Scenarios: No content depicting rape, sexual assault, or other non-consensual acts or fantasies is allowed. You cannot request a Chat Seller to act out a rape fantasy or anything where one party is unwilling or incapacitated (e.g., unconscious, drugged). This includes simulated coercion or abduction fantasies.

  • Extreme Bondage or Violence: While consensual BDSM between adults might be allowed within reason, extremely dangerous acts are prohibited. This includes any depiction that implies actual serious harm or risk of death: e.g., weapons like knives being used in a sexual context (knife play), bloodletting or cutting, strangulation to the point of unconsciousness, etc. “Edgeplay” that could cause lasting injury is off-limits.

  • Mutilation or Gore Fetishes: Content referencing castration, genital mutilation, amputation of limbs, or any gore or snuff themes (simulated killing during sex) is completely banned.

  • Scat/Urine Fetishes: Any request for content involving feces (“scat play”) or urine (“water sports”), vomit, or other bodily waste in a sexual context is prohibited on the platform.

  • Necrophilia: Any content that depicts or fantasizes about sexual acts with corpses or the dead is strictly forbidden.

  • Hate Speech or Racist Content: You may not request content that involves racial slurs used in a fetishistic manner or any kind of hate speech (even if you believe it is “consensual” as part of a roleplay). Premium.Chat will not tolerate content that normalizes hate or discrimination.

  • Drug Use: You should not ask for content where illegal drug use is shown or encouraged. This includes not asking Chat Sellers to appear to use drugs on camera, or to discuss doing illegal drugs as part of a fantasy scenario. (Moderate alcohol or tobacco use might be allowed if legal and consensual, but anything involving illicit drugs is not.)

  • Breaking Premium.Chat Rules: Do not attempt to get a Chat Seller to agree to “no limits” or engage in any act they mention is against Premium.Chat’s rules. If a Chat Seller declines a request because it’s against these guidelines, do not pressure them. Pushing for “taboo” or “any fantasy you want” content is not allowed if it breaches the rules above.

Reporting Violations: If you see anyone else on the platform (Buyer or Seller) engaging in these forbidden categories, report it immediately via the Contact Us / Report a Problem form on the website, under the appropriate category (e.g., “Prohibited Content”). Premium.Chat’s moderation team actively monitors content and relies on community reports to catch violations. Your report will be confidentially reviewed, and appropriate action will be taken (including content removal and account termination of the offender). By respecting these guidelines and reporting violators, you help keep the community safe and lawful.

8. Account Inactivity

Chat Buyer accounts that remain inactive for over 365 days (i.e., no login to the Site for a year or more) are subject to deletion or termination by the Company. Premium.Chat may remove inactive accounts at its discretion to free up resources and ensure an engaged user base. This removal can occur without notice, so if you intend to keep your Buyer account, it is recommended to log in occasionally.

We strongly encourage you to log in periodically (for example, once every few months at minimum) to maintain your account’s active status. If your account is deleted for inactivity, any stored information or chat history may be permanently lost. The Company is not liable for any loss of data or account content due to removal for inactivity.

(Note: Similarly, long-inactive Chat Seller accounts may be deleted. Both buyers and sellers should remain active to keep their accounts.)

9. Emails and Anti-Spam Policy

Premium.Chat has a strict Anti-Spam Policy. As a user of the platform, you must adhere to the following:

  • No Third-Party Promotional Emails: The Company forbids any third party (this includes Chat Sellers, Chat Buyers, or any others) from sending promotional emails on behalf of Premium.Chat, whether solicited or unsolicited. In simple terms, you are not allowed to send out mass emails claiming to represent Premium.Chat or advertising Premium.Chat services, unless expressly authorized by the Company. Premium.Chat itself will never ask or allow users to send emails on its behalf.

  • Company Communications: The Company will only send emails to individuals who have registered on the Site or explicitly signed up for communications. If you’re receiving emails from Premium.Chat, it is because you have an account or have requested info. We do not buy email lists or send spam, and we do not permit others to do so in our name.

  • Chat Buyer Invites: Premium.Chat provides a limited feature that allows Chat Buyers to send a small number of invite emails to personal contacts (e.g., inviting a friend or family member to check out a Chat Seller or join the platform). This feature is intended for very limited personal use. It’s configured to prevent sending large quantities of emails (it cannot be used as a spamming tool). Any abuse of this invite feature — such as attempting to send unsolicited emails to many recipients, or using it for commercial promotions — is not tolerated.

If a Chat Buyer abuses the email invite function (for example, by spamming people), the Company will take immediate action, including terminating the offending Buyer’s account. We consider spam a serious offense.

Zero-Tolerance for Spam: Premium.Chat’s Anti-Spam Policy is rigid. If you are found to be spamming (whether via our platform’s invite feature or through any other means where you reference Premium.Chat in unsolicited messages), your account will be terminated. Additionally, the Company may report such spam incidents to relevant authorities or blacklist services to prevent further abuse.

Reporting Spam: If you receive any unsolicited communication that appears to come from Premium.Chat or purports to promote Premium.Chat (and you suspect it’s not legitimately from us), please report it by contacting our support team. Provide the email or message with full headers if possible. We will investigate and take appropriate action.

In summary, do not send spam or allow anyone to send spam on your behalf related to Premium.Chat. Keep all email usage within personal, reasonable limits and always comply with anti-spam laws (like CAN-SPAM Act in the U.S. or similar regulations in your country).

(For more information, you may refer to Premium.Chat’s detailed Anti-Spam Policy on our site, which outlines what constitutes spam and how to report violations.)

10. Disclaimer of Warranties

THE PREMIUM.CHAT SITE, PLATFORM, AND ALL SERVICES (INCLUDING CHAT SESSIONS WITH CHAT SELLERS) ARE PROVIDED “AS IS” AND “AS AVAILABLE”. YOUR USE OF THE SERVICE IS AT YOUR OWN RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ANY AND ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO: (I) IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT; (II) ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS (SUCH AS VIRUSES); (III) ANY WARRANTY REGARDING THE TIMELINESS, ACCURACY, OR RELIABILITY OF any information or content obtained through the service; (IV) ANY WARRANTY THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS.

For example, the Company makes no warranty that:

  • the chats will always connect or function without delays or glitches;

  • information (including Chat Seller profiles or advice given during a chat) is accurate, complete, or up-to-date;

  • any particular Chat Seller service will be constantly available or suited to your needs.

No advice or information (whether oral or written) obtained by you from Premium.Chat or any Chat Seller shall create any warranty not expressly stated in these terms.

The Company also does not guarantee that the site is compatible with your device or that it will work with any third-party software or hardware. It is your responsibility to ensure your system meets minimum requirements and to take precautions (like using anti-virus software and firewall) to protect yourself and your device.

Some jurisdictions do not allow the disclaimer of certain warranties, so some of the above exclusions may not apply to you. In such case, any implied warranties are limited in duration to 90 days from the first use of the service (unless a shorter period is allowed by law).

11. Limitation of Liability

To the maximum extent permitted by law, in no event shall the Company (FutureQuest Marketing, Inc.), its affiliates, suppliers, or their respective officers, directors, employees, shareholders, or agents, be liable to you for any indirect, consequential, exemplary, incidental, or punitive damages, or any loss of profits or revenues, business interruption, loss of data, or loss of goodwill, arising out of or in connection with your use of (or inability to use) Premium.Chat or any services provided through the platform. This limitation applies whether the claim is based on warranty, contract, tort (including negligence), strict liability, or any other legal theory, even if the Company has been advised of the possibility of such damages.

Specifically, the Company will not be liable for:

  • the content or conduct of any Chat Seller or other user (since the Company does not control what users say or do, beyond moderation outlined in policies);

  • any personal decisions or actions you take based on conversations or advice from Chat Sellers;

  • unauthorized access to or alteration of your transmissions or data (unless due solely to the Company’s gross negligence);

  • any bugs, viruses, Trojan horses, or the like that may be transmitted to or through our service by any third party.

If, notwithstanding the above, the Company is found liable to you for any damage or loss arising out of or in any way connected with your use of the Site or Services, the Company’s total liability shall in no event exceed the greater of (a) the total amounts you have paid (if any) to the Company in the past three (3) months for the services giving rise to the claim, or (b) US $100.00. This limitation of liability reflects an agreed allocation of risk between you and the Company and is an essential part of the bargain between us.

Because some jurisdictions do not allow the exclusion or limitation of liability for certain damages, in such jurisdictions the Company’s liability shall be limited to the extent permitted by law.

Your sole and exclusive remedy if you are dissatisfied with the service or have any dispute with the Company or its service is to stop using Premium.Chat. (For example, if you don’t feel you got value from a chat or disagree with a policy, your remedy is to discontinue use; monetary damages beyond what’s described above will not be available.)

12. Third-Party Links and Offers

Premium.Chat may provide or users may share links to external websites or resources. Additionally, Chat Sellers or advertisements on the Site might mention third-party products or services. You acknowledge that the Company has no control over and is not responsible for any such external sites or resources.

If you click a third-party link (for example, a Chat Seller’s personal website or a reference link shared in chat), you do so at your own risk. The presence of a link or a third-party offer on Premium.Chat does not imply any endorsement by the Company of the external site or its content, products, or services. The Company makes no guarantees or warranties about any information, software, or services found on any external websites.

Furthermore, any dealings you have with advertisers or other third parties found on or through Premium.Chat are solely between you and that third party. The Company is not responsible for any loss or damage incurred as a result of such dealings or as a result of the presence of those advertisers/third parties on our platform.

Remember that when you leave our Site, these Terms and our policies (like Privacy Policy) no longer govern. You should review the terms and privacy policies of any third-party websites you visit.

13. Adult Content Warning

Premium.Chat’s environment often involves adult-oriented content. By using the Site, you affirm the following:

  • You are an adult of legal age (as established in Section 2).

  • You are aware that you will likely encounter content of a sexually explicit nature (including graphic sexual language, erotic discussions, or nudity).

  • You voluntarily choose to access such content for your personal interest and it is within the standards considered acceptable in your community.

If such content offends you or you do not wish to be exposed to it, do not proceed further on Premium.Chat. There are filters and categories on the platform (for example, some Chat Sellers may label their content as adult or 18+), and you should use discretion in choosing whom to chat with.

By accessing any adult content on the Site, you effectively certify under penalty of perjury:

  • That you meet the age requirements.

  • That you will not share or allow any minor to see the content.

  • That the content is for your personal use, and you believe it does not violate your community standards.

If at any point you become concerned about the nature of content or interactions on Premium.Chat, you can disconnect from the chat or leave the site. You are always free to block particular Chat Sellers or stop using the service if you find it not to your taste.

14. Indemnification

You agree to indemnify, defend, and hold harmless the Company (FutureQuest Marketing, Inc.), its parent, affiliates, officers, directors, employees, agents, and representatives from and against any and all third-party claims, demands, losses, liabilities, costs, or expenses, including reasonable attorneys’ fees, arising out of or related to: (a) your use of the Site or services (including any content you transmit or actions you take); (b) your breach or alleged breach of these Terms and Conditions or any violation of law or regulation; (c) any content you provide or make available through Premium.Chat (for example, if you as a Buyer provide content that infringes someone’s copyright, you would indemnify the Company if it gets sued over that); (d) your violation of any rights of another (including intellectual property, privacy, publicity, or other rights of any person).

The Company reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and if we do so, you agree to cooperate with our defense of that claim. You may not settle any such claim without the Company’s prior written consent (which it will not unreasonably withhold).

This indemnification obligation will survive the termination of your account or the cessation of use of our services. Essentially, if your actions cause the Company to be sued or incur costs, you will cover those costs.

15. Notice

Any notices or communications required or allowed under these Terms may be provided as follows:

By the Company to You: The Company may send you notices by email to the email address associated with your account, by a general posting on the Premium.Chat website, through your account dashboard, or through in-site messaging. It is your responsibility to keep your account email up-to-date and to regularly check the Site and your messages. Notices sent via email will be deemed received 24 hours after the email is sent (unless the Company receives a bounce-back indicating the address is invalid). Notices posted on the Site or via your account will be deemed received upon your next login to the Site or within 24 hours of posting, whichever is sooner.

By You to the Company: Unless otherwise specified in these Terms (or required by law), you can send notices to the Company by email to the support/contact address provided on the Site, or by using the Contact Us form on the website. You can also send notices via postal mail or courier to the Company’s mailing address provided in the Contact Information section. Notices sent by postal mail will be deemed given when actually received by the Company at the address.

If you have questions about how to provide notice for a specific issue (for instance, DMCA takedown requests or legal summons), refer to the relevant section of our policies or Contact Information for specific instructions.

16. Severability

Each provision of this Agreement is intended to be severable. In the event that any provision or portion of a provision of these Terms is held by a court of competent jurisdiction to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remainder of this Agreement will remain in full force and effect. The invalidity of any particular clause will not invalidate the entire Agreement; instead, the invalid clause will be amended (if possible) to achieve as closely as possible the effect originally intended by the parties, or else it will be severed from the Agreement.

17. Waiver

No failure or delay by the Company in exercising any right, power, or remedy under these Terms shall operate as a waiver of any such right, power, or remedy. Similarly, the Company’s single or partial exercise of any right, power, or remedy does not prevent it from later exercising the same or any other right, power, or remedy. Any waiver by the Company of any provision of this Agreement must be in writing and signed by an authorized representative of the Company to be effective. If such a written waiver is given, it shall not imply a waiver of any subsequent default or breach.

Importantly, you understand that no one besides an authorized officer of the Company can make modifications or waivers to these Terms. Customer service agents, moderators, or Chat Sellers are not authorized to waive or modify any portion of these Terms on behalf of the Company.

18. Governing Law

This Chat Buyer Agreement, its subject matter and its formation, and any related disputes or claims (including non-contractual disputes or claims) are governed by and construed in accordance with the laws of the State of Florida, United States of America, without regard to its conflict of law principles. By using Premium.Chat, you agree that any legal action or proceeding between you and the Company related to these Terms shall be brought exclusively in a state or federal court of competent jurisdiction located in Florida (unless arbitration or another dispute resolution mechanism is specified elsewhere for particular claims). You consent to the jurisdiction of and venue in such courts and waive any objection that such courts represent an inconvenient forum.

If you access or use Premium.Chat outside the United States, you do so on your own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.

19. Contact Information

If you have any questions, concerns, or need to send official correspondence relating to these Terms or Premium.Chat services, you may contact the Company using the information below:

FutureQuest Marketing, Inc. (d/b/a Premium.Chat)
43B Glen Cove Road, Suite 182
Greenvale, NY 11548
United States

Email: [email protected] or Contact Page

 

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