Chat Seller Agreement


1. General Provisions

A. Acceptance of Terms: By using the Premium.Chat website (www.Premium.Chat) and Premium.Chat widgets on third-party sites as a Chat Seller (offering paid chat messaging services), you agree to be bound by this Chat Seller Agreement (these "Terms and Conditions"). This is a binding agreement between you and FutureQuest Marketing, Inc., a Florida corporation (the "Company").

B. Roles of Parties: The Company provides billing services for paid chat messaging to chat sellers (the "Chat Sellers"). In turn, Chat Sellers provide paid chat messaging services (“Chat Seller Services”) to visitors of the site (these visitors are "Chat Buyers"). All Chat Seller Services are provided solely by, and are the sole responsibility of, the Chat Sellers; the Company does not itself provide any Chat Seller Services to Chat Buyers.

C. Entire Agreement: These Terms and Conditions (along with any additional rules or policies referenced herein) constitute the entire agreement between you and the Company, superseding any prior agreements between the Company (or any predecessor) and you. You may also be subject to additional rules and regulations when using specific features of the site or widgets, which the Company (on behalf of the community of Chat Sellers) shall enforce.

D. Modification of Terms: The Company may, from time to time, change these Terms and Conditions (including terms regarding billing and payments). You agree to review these Terms and any relevant rules periodically to stay updated on changes. If you do not accept the updated terms, you may terminate your account as provided in these Terms. Your continued use of the Site or any Chat Seller Services after any changes signifies acceptance of the revised Terms.

E. Platform Use Only: You acknowledge that Premium.Chat (the Site and widgets) is a chat messaging platform to be used only in a 100% digital environment, and is not intended to facilitate in-person meetings or relationships outside the Site. Bypassing the Premium.Chat billing system or transferring communications/payments outside of the Site (for example, to meet in person or transact off-platform) is strictly forbidden. As a Chat Seller, you are prohibited from sharing any contact information (such as phone number, email, social media, etc.) or soliciting Chat Buyers to communicate or pay outside the Site. Any such actions are a serious violation of these Terms and may result in account termination and other legal consequences.

2. Age and Identity Verification

All Chat Sellers must be at least 18 years of age (or the age of majority in their jurisdiction, if higher) and must pass a comprehensive identity verification process before offering any services or content on Premium.Chat. This verification process includes, but is not limited to, submission of a valid government-issued photo identification, biometric analysis via selfie or live image, and face recognition comparison between the provided image and the identification document. Verification results are collected and logged with related metadata.

Consent Forms and 2257 Documentation

To further ensure compliance with 18 U.S.C. § 2257 (record-keeping requirements for adult content), as well as applicable card network rules and international KYC/AML obligations, Premium.Chat mandates that each Chat Seller also review and electronically execute a legally binding Compliance Agreement for Mainstream Content Creators or Compliance Agreement for Adult Content Creators w/ 2257 prior to account activation.

The Chat Seller expressly agrees that Premium.Chat, as the merchant of record, shall collect and retain all required documentation for each Chat Seller account, including but not limited to:

– Government-issued photo identification
– Biometric and facial comparison data
– Age verification results and metadata
– Digitally signed 2257 certifications
– Signed consent and release forms, where applicable to Adult content

For those submitting adult content, the Compliance Agreement includes a sworn certification—made under penalty of perjury—that the Chat Seller has secured valid, government-issued identification and informed, written consent from every person depicted in their content. It further affirms that each individual was at least 18 years old at the time the content was created, that their identity was independently verified by the Chat Seller, and that all associated documentation is being properly maintained. This includes unaltered copies of identification, signed release and consent forms, and records verifying both age and identity.

The Chat Seller also certifies that such documentation will be made available upon request to ensure compliance with applicable legal, regulatory, and platform policies. All such attestations are electronically signed by the Chat Seller during the onboarding process and stored securely by Premium.Chat as a condition of account activation and continued use of the platform.

Premium.Chat works exclusively with trusted third-party verification providers to process this data securely and independently. Biometric and identity verification data may also be processed by Premium.Chat internally, and in all cases, is handled in accordance with applicable privacy and data protection laws.

Failure to comply with these verification requirements, or submission of false or misleading information, may result in immediate denial, suspension, or termination of the Chat Seller’s account.

3. Chat Seller Account Registration and Obligations

You certify to the Company that you are at least 18 years old, and you agree that the Company has the right to verify your age at any time. You further agree to provide true, complete, and up-to-date information during registration and for billing purposes. Any Chat Seller who provides information that is false, incomplete, or not current will not be permitted to use the Site or participate in chat exchanges, and may be subject to civil or criminal liability.

A. Relationship of the Parties: As a Chat Seller, you are an independent contractor of the Company. Nothing in this Agreement creates any partnership, joint venture, employment, franchise, or agency relationship between you and Premium.Chat. You shall not represent yourself to any third party as having authority to bind or speak for the Company, except as expressly authorized in writing. As an independent contractor, you are not eligible for any Company employee benefits, and you are solely responsible for all taxes or fees arising from your earnings. Premium.Chat will not withhold or pay any income tax, Social Security, unemployment, or other payroll taxes on your behalf. You are responsible for reporting and paying all applicable taxes (income, sales, use, etc.) resulting from the fees you earn. You agree to indemnify Premium.Chat for any taxes, penalties, or interest that may be assessed due to your failure to pay required taxes.

The Chat Buyer who purchases your Chat Seller Services is solely responsible for paying the fees for those services. Premium.Chat is not obligated to pay you for any Chat Buyer fees that have not been actually received by the Company (for example, due to a failed payment or chargeback by the buyer’s bank or card issuer). You appoint Premium.Chat as your limited payment agent solely for the purpose of receiving payments from Chat Buyers on your behalf. Receipt of payment by Premium.Chat from a Chat Buyer is deemed receipt by you, satisfying the buyer’s payment obligation. After Premium.Chat’s platform commission (as set forth in Section 4 below), any required tax withholdings, and any refunds, discounts, or chargebacks (and associated fees) are deducted, the remaining balance of the transaction (the Net Platform Fees) will be payable to you as outlined in the payout terms.

B. Content Distribution and Responsibility: As a Chat Seller, you acknowledge that Premium.Chat does not grant any party (including Chat Buyers) rights to distribute or reuse the content you share in chats or via your media widgets. While Premium.Chat implements measures to prevent unauthorized distribution of your content, the Company is not responsible for third-party misuse of any content you provide. If any user or third party is found to be distributing or reusing your content without authorization, Premium.Chat will take appropriate action (including terminating accounts of violators). However, the ultimate legal responsibility for such unauthorized distribution lies with the individual or entity committing it. You understand and accept that once content is shared online, there is an inherent risk of misuse by others, and you agree that the Company is not liable for the actions of those third parties.

C. Mandatory Content Pre-Screening: All content uploaded by Chat Sellers through the platform must undergo mandatory pre-publication review by Premium.Chat. This review ensures the content complies with applicable laws, the Standards detailed in this Agreement (including Prohibited Content Guidelines and Card Brand Rules), and any associated platform policies prior to public distribution. No content will be published or made accessible to Chat Buyers before passing this screening process.

D. Content Monitoring and Review

You acknowledge and agree that, to enforce these Terms and Conditions (including the Code of Conduct in Section 6 and the Prohibited Content Guidelines in Section 14), comply with Card Brand Rules and legal/regulatory obligations, prevent fraud and abuse, resolve disputes, and maintain platform quality, the Company may, at any time and in its sole discretion, access, monitor, review, record, store, and retain any content or communications transmitted through the Site or widgets. This includes, without limitation, text messages, images, audio, and video, whether uploaded, pre-recorded, or transmitted in real time during live sessions, as well as any associated metadata.

Monitoring and review may be performed using automated tools, human moderators, or a combination of both, and the Company may engage third-party service providers for these purposes, subject to applicable law and the Company’s Privacy Policy. You hereby grant the Company a non-exclusive, worldwide, royalty-free license, to the extent necessary to perform the activities described in this Section 3D, to host, store, copy, display, and otherwise process such content and communications.

The Company reserves the right, in its sole discretion and without prior notice, to pause, terminate, or remove any session or content it believes, in good faith, may violate these Terms and Conditions, the Code of Conduct, the Prohibited Content Guidelines, Card Brand Rules, or applicable law, or which it deems harmful to the platform or its users.

While the Company reserves the right to monitor and review content and communications as described above, the Company has no obligation to monitor all activity on the platform and does not guarantee that it will do so. You understand and agree that you have no expectation of privacy in content or communications transmitted through the Site or widgets, except as expressly provided in the Company’s Privacy Policy and as required by applicable law.

E. Refunds, Credits, and Non-Delivery of Services

Premium.Chat reserves the right, in its sole discretion, to issue full or partial refunds or credits to Chat Buyers when a paid chat session, video call, audio call, or other purchased Chat Seller Service is not delivered, is delivered improperly, is cut short due to the Seller’s unavailability, or otherwise fails to meet reasonable platform standards. Chat Sellers acknowledge and agree that they are not entitled to receive payment for any transaction that Premium.Chat refunds or credits to the Buyer, regardless of the reason for such refund or credit.

Premium.Chat may deduct the amount of any refund or credit from the Seller’s pending or future payouts. If insufficient funds are available, the refunded amount becomes a balance owed by the Seller to Premium.Chat, which may be collected through payout offsets or other lawful means.

Premium.Chat retains full authority to determine whether a service was not delivered or inadequately delivered, and its decision is final. Sellers agree to cooperate fully with any dispute investigation and understand that failure to provide timely information may result in refunds being granted automatically.

F. Chargebacks and Fraud Prevention: You acknowledge the risk that chargebacks (reversed transactions) may occur in online commerce, including on the Premium.Chat platform. Premium.Chat employs advanced fraud detection and prevention systems to minimize chargebacks; nevertheless, no system is foolproof and chargebacks may still occur. If a chargeback happens for a transaction involving your services, neither you nor Premium.Chat will receive payment for that transaction (i.e. you forfeit the fee for that chat session or content sale). Premium.Chat maintains a zero-tolerance policy towards Chat Buyers who abuse chargebacks and will take steps to prevent such users from continuing to use the platform (including account termination and possibly legal action for fraud). By participating as a Chat Seller, you accept the inherent risks of internet-based transactions. Premium.Chat will endeavor to mitigate risks, but you agree that you assume the elevated risk of chargebacks and fraud associated with conducting business online.

4. Platform Fees and Commission

Premium.Chat allows you to set fees for your Chat Seller Services either on a per-minute rate or a flat rate basis, which will be displayed to Chat Buyers as part of your service listing. These Platform Fees include all types of transactions facilitated by Premium.Chat, such as live text/video chat sessions billed per minute, one-time flat-rate sessions, sales of premium content or media, and tips from Chat Buyers.

Premium.Chat will pay Chat Sellers a percentage of the Net Platform Fees (after deductions like chargebacks, fees, and refunds) according to a sliding payout scale. The payout percentage increases based on the total Chat Buyer fees you generate in a calendar month:

  • $1 to $19,999 per month: 60% payout to Chat Seller

  • $20,000 to $34,999 per month: 65% payout

  • $35,000 to $49,999 per month: 70% payout

  • $50,000 to $74,999 per month: 75% payout

  • $75,000 or more per month: 80% payout

For clarity, “Net Platform Fees” means the aggregate gross revenue from per-minute fees, flat rates, content sales, and tips charged to Chat Buyers, minus any chargebacks (and related fees), reversals, or refunds. Your payout rate for the month is determined by where your total Net Platform Fees fall in the above scale.

5. Chat Seller Payouts

A. Payout Schedule: Payouts to Chat Sellers are processed monthly. Payments are issued in U.S. Dollars on the 10th day of each month (by end of day, ~5PM Eastern Time) for the earnings collected in the previous calendar month. Minimum payout thresholds apply: a minimum of $10.00 USD is required for payout via PayPal or ACH (direct deposit), and a minimum of $50.00 USD is required for payout via Payoneer. If your earnings for the period are below the minimum, the amount will carry over until at least the minimum is reached, at which point payout will be made on the next cycle.

B. Payment Methods: You may select your preferred payout method in your Chat Seller account settings. Options include direct deposit via ACH (U.S. bank accounts only), PayPal, or Payoneer (available in the U.S. and worldwide). To use ACH, you must provide a valid U.S. bank routing and account number and meet any direct deposit requirements in your account settings. To use PayPal or Payoneer, you must provide the email associated with those accounts. Premium.Chat reserves the right to terminate or suspend your ability to receive payouts via a particular method (or at all) at any time, without notice, if fraud or suspicious activity is detected in connection with your account.

C. Costs and Taxes: You are solely responsible for all costs of equipment, internet access, or other expenses you incur in using the Site. You are also solely responsible for determining and paying any taxes (state, federal, or other jurisdiction) applicable to the income you earn from Chat Seller Services. The Company may, if required by law, withhold taxes from your payouts or request tax information from you (such as a Taxpayer Identification Number). The Company reserves the right to suspend payouts or your account if required tax information is not provided or if tax withholding is mandated. You agree to provide accurate tax information when requested, and acknowledge the Company may report certain payment information to tax authorities as required by law.

D. Holds and Chargeback Policy: Premium.Chat, at its discretion, may institute policies to protect against fraud or chargebacks. The Company reserves the right to hold payouts (without prior notice) for any transaction it believes, in good faith, might be subject to a chargeback or is deemed high-risk or suspicious. Held funds may be released once the risk is determined to have subsided, or they may be forfeited if the transaction is confirmed to be fraudulent or charged back. Additionally, Premium.Chat may hold or delay payments to you if the Chat Buyer’s payment is not yet fully settled or if there are other concerns about the transaction’s legitimacy.

E. Chargeback Fees: In the event that a Chat Buyer initiates a chargeback for a transaction involving your services, Premium.Chat has the right to deduct a chargeback fee of up to $35.00 USD per chargeback from your account. This fee is to offset the costs imposed by our payment processors or merchant bank when a chargeback occurs. This deduction will appear in your account records if applied.

F. Account Deletion and Payouts: If you delete or close your Chat Seller account, you will not receive any further payouts, including for any pending earnings that were not yet paid out prior to account deletion. (This is due to accounting limitations once an account is closed.) You must maintain an active account to receive any earned payouts. If you wish to receive your final earnings, ensure your account remains open until those payments are processed.

G. Accuracy of Payment Information: Premium.Chat is not responsible for lost or misdirected payments due to errors in the payout information you provide. It is your responsibility to ensure that your bank account details, PayPal/Payoneer email, or other payment information on file is correct and up-to-date. Payments sent to an incorrect account or email because of information you supplied may not be recoverable. You agree that the Company has fulfilled its payment obligation by sending the payout to the account on record in your seller profile, and any failure to receive funds due to incorrect information is at your own risk.

6. Code of Conduct

A. Guidelines

All users of Premium.Chat, including both Chat Buyers and Chat Sellers, are expected to adhere to this Code of Conduct to ensure a safe, lawful, and respectful experience for all participants on the platform.

By registering as a Chat Buyer or Chat Seller on Premium.Chat, you agree to comply with the terms of this Code of Conduct, the Terms and Conditions, and all applicable laws.

B. Card Brand Rules and Enforcement

By participating on Premium.Chat, all users—both Buyers and Sellers—expressly agree to comply with Card Brand Rules, including but not limited to those issued by Visa, Mastercard, and other major payment networks. These rules are designed to:

  • Prohibit illegal or brand-damaging content and conduct

  • Ensure transparent billing and customer protections

  • Enforce consent, age verification, and moderation standards

Failure to comply with these Card Brand Rules may result in disciplinary action, including removal of content, suspension or termination of accounts, loss of payout privileges, and—where applicable—reporting to legal authorities.

Premium.Chat maintains a strict compliance policy and is committed to:

  • Prohibiting violent, abusive, or threatening behavior

  • Preventing human trafficking, modern slavery, and coercive practices

  • Ensuring all content is consensual and features verified adults (18+)

  • Eliminating hate speech, harassment, and privacy violations

  • Protecting all users from exploitation and harm

Violations of this compliance policy will result in disciplinary action, including content removal, account suspension or termination, and, when applicable, reporting to law enforcement or regulatory bodies.

If the Company determines that any conduct by a Chat Buyer or Chat Seller restricts or inhibits the use or enjoyment of the Site or any services by others, violates this Code of Conduct, or breaches applicable Card Brand Rules, the Company reserves the right to immediately suspend or terminate the offending account without notice.

By using the Site and any related services, you agree to use them for lawful purposes only, and you agree not to:

  • Promote or transmit any unlawful, illegal, harmful, threatening, abusive, harassing, defamatory, hateful, racially, or ethnically offensive content, in any form including text, video, images, or links;

  • Harass, embarrass, threaten, or cause distress, unwanted attention, or discomfort to the Company, any Chat Buyer, Chat Seller, or third party;

  • Impersonate any individual or entity, including but not limited to minors, Company representatives, or other users;

  • Interfere with or disrupt the experience of other Chat Buyers or Chat Sellers on the Site;

  • Post or promote any business, service, or product unrelated to Premium.Chat;

  • Attempt to obtain, solicit, or misuse account access, passwords, or private financial or personal information from any other user.

C. Compliance Policy Restricting Minors

Premium.Chat enforces a strict zero-tolerance policy regarding minors. Any Chat Buyer or Chat Seller found to be engaging in activity involving individuals under 18 years of age, or providing access to such individuals, will face immediate account termination and possible legal reporting. This policy ensures compliance with global age restrictions and protects the integrity of the platform.

Furthermore, all Chat Buyers and Chat Sellers are required to comply with our Compliance Policy, which outlines Premium.Chat’s standards for maintaining a safe and ethical environment. This policy prohibits violent, abusive, exploitative, or non-consensual behavior; ensures that all content involves consenting adults (18+); and upholds the rights and safety of all users.

D. Reporting a Problem

If you witness or experience behavior that violates this policy—such as harassment, underage content, hate speech, or human exploitation—you are strongly encouraged to report it immediately through our site Contact form > Report a Problem > Compliance Concern. All reports are handled promptly and confidentially by our Trust & Safety Team.

E. Applicability Beyond the Site

This Code of Conduct applies not only to all activity that takes place on the Premium.Chat website but also to off-site behavior that affects the community, platform reputation, or user safety. This includes, but is not limited to, interactions on social media, messaging apps, email, or any other digital or physical space that is connected to or reflects upon Premium.Chat.

The Company reserves the right to take corrective action, including immediate account termination, against any Chat Buyer or Chat Seller whose off-platform conduct violates this Code or undermines the trust and integrity of the Premium.Chat community.

7. Chat Seller Restrictions

Premium.Chat reserves the right to restrict, suspend, or terminate your Chat Seller account (and/or withhold payouts of Chat Buyer fees) if any of the following occurs or is suspected:

A. Unauthorized Account Use: There are reports or evidence of unauthorized or unusual use of credit cards, payment accounts, or your Chat Seller account.

B. Unapproved Test Transactions: You conduct payment transactions for “testing” purposes without prior written authorization from Premium.Chat.

C. Bank Account Irregularities: Reports of unauthorized or unusual use of the bank account linked to your payouts.

D. Fraudulent Funds: Receipt of funds that are suspected to be fraudulent, stolen, or otherwise unlawful.

E. Excessive Disputes: An unusually high number of missed chat requests, buyer disputes, or credit card chargebacks associated with your account.

F. Non-Cooperation: You refuse to cooperate with an investigation by Premium.Chat or fail to provide identity verification or age confirmation upon request.

G. Spam or Unsolicited Promotion: You send unsolicited emails or spam, or post referral links in places where such posting is not permitted, in order to promote your services or the platform.

H. Multiple Accounts for Fraud: You open multiple Chat Seller accounts under different names or identities to evade restrictions or facilitate fraudulent activity.

I. Seller as Buyer (“Self-Dealings”): You (directly or indirectly) use a Chat Buyer account to transact with your own Chat Seller account (or instruct others to do so), in an attempt to artificially inflate activity, earnings, or for any improper purpose.

J. Off-Platform Solicitation: You use Premium.Chat’s platform to advertise or solicit Chat Buyers for similar or related services outside of Premium.Chat. This includes encouraging direct payments or communications outside the platform, thereby circumventing Premium.Chat’s billing system.

K. Impersonation: You impersonate any other person, user, or entity while using the platform.

L. Terms Violations: There is suspicion that you have violated these Terms and Conditions or any related policies.

M. Mismatched Payment Information: The name on your bank account or payout method does not match the name on your Chat Seller account (indicating possible misuse of another person’s financial information).

N. Failed Payouts: A payout sent to you via electronic transfer is returned due to insufficient funds in the destination account, or due to incorrect banking details (such as wrong routing or account number), suggesting invalid payout information.

O. Use of Anonymizing Tools: Use of an anonymizing proxy, VPN, or similar tools to hide usage patterns or location, especially if done to evade detection of fraudulent or prohibited conduct.

P. Other Fraud Indicators: Any other activity or circumstance that gives the Company a good faith belief that your account is being used for fraudulent, deceptive, or illegal purposes.

Q. Self-Referral Abuse: Referring your own secondary accounts, or accounts of close associates, through the Referral Program to illegitimately earn referral commissions.

R. Harassment of Company: Publicly posting derogatory, false, or harassing statements about Premium.Chat (or its employees) on social media or other public forums.

S. Content Plagiarism: All profile descriptions, images, branding, and widget content must be original and created by you.

Copying, imitating, reproducing, or closely modeling another seller’s content, layout, branding, or widgets is strictly prohibited.

If plagiarism is detected:

• The account will be permanently terminated

• All associated accounts will be permanently terminated

• All unpaid earnings will be forfeited

• Any revenue generated from copied content will be withheld

• No payouts will be issued

Premium.Chat reserves the right to permanently deny access to the platform for any seller who violates this policy.

T. Platform Spamming: Chat Sellers must not engage in spamming the platform through repetitive, irrelevant, or abusive behavior. This includes, but is not limited to:

  • Copying and pasting identical or substantially similar text, topics, titles, or descriptions across multiple chat widgets, profiles, or categories.

  • Posting content that is nonsensical, misleading, or unrelated to the selected category or sub-category.

  • Sending repetitive or unsolicited messages to users or repeatedly initiating conversations with identical or substantially similar content.

  • Begging, pressuring, or repeatedly soliciting users for tips, payments, ratings, or engagement in a manner that could reasonably be considered spam or harassment.

  • Engaging in harassment, intimidation, or persistent unwanted messaging directed toward other users on the platform.

Premium.Chat reserves the right to remove such content and restrict, suspend, or permanently terminate any account that engages in platform spamming or abusive messaging behavior. Violations may result in permanent removal from the platform and forfeiture of unpaid earnings, at the sole discretion of Premium.Chat.

U. Disposable Phone Numbers: The use of disposable or temporary phone numbers is strictly prohibited. These numbers pose a significant security risk and cannot be used on Premium.Chat for any purpose, including verification, account creation, or receiving chat requests. Accounts found using disposable or temporary numbers will be restricted or closed.

If your Chat Seller account is flagged for review due to any of the above, you may be notified (via email or through your account) and asked to provide additional information. Premium.Chat will investigate promptly and make a determination. If the investigation clears you of wrongdoing, any temporary restrictions on your account will be lifted. If not, Premium.Chat may continue to restrict your account for up to 180 days (to protect against chargebacks or claims) or may permanently close your account at its discretion, with or without further notice.

In the event your account is permanently closed due to a violation, Premium.Chat will remit any undisputed earnings owed to you (after deductions for any chargebacks or liabilities) via your last known payout method. Any funds that are disputed or associated with suspected fraud will not be paid unless and until it’s later determined that you are entitled to those funds, in which case Premium.Chat will send a payment for those amounts to the payout address you provide.

U. Use of AI or Automated Tools (Chat or Images): Premium.Chat strictly prohibits the use of AI-generated chat services, chatbots, scripted responses, or any form of automated communication. All conversations must be conducted by real human users. The use of third-party language models or AI-powered assistants in place of live human interaction is not allowed under any circumstances. Additionally, AI-generated images—including profile photos, avatars, or promotional graphics—are not permitted on the platform. This policy is required to comply with card brand rules, maintain trust with users, and meet acquiring bank standards. Violation of this policy will result in a permanent account ban.

8. Referral Program

Premium.Chat offers a Referral Program that allows users to refer new Chat Sellers to the platform. By participating, you can earn commission payouts based on the referred sellers’ earnings. The Referral Program operates on a two-tier commission structure:

A. Commission Payouts:

  • First-Level Referrals: If you directly refer a Chat Seller to Premium.Chat (using your unique referral link/code), you will earn a commission of 2.5% of that seller’s net sales on the platform.

  • Second-Level Referrals: If a Chat Seller you referred (your first-level referral) goes on to refer another Chat Seller, you will also earn 2.5% of the net sales generated by that second-level referred seller.

Example: User A refers Chat Seller B (first-level). Chat Seller B then refers Chat Seller C (second-level relative to A). User A will receive 2.5% of Chat Seller B’s net earnings, and additionally 2.5% of Chat Seller C’s net earnings.

B. Payout Schedule: Referral commissions are calculated monthly and paid according to the standard Chat Seller payout schedule (see Section 5). Commissions will be added to your payout for the month and sent via your chosen payment method along with your own earnings.

C. Representation and Branding: When promoting Premium.Chat as part of the Referral Program, you must not misrepresent your relationship with the Company. You are prohibited from creating the impression that your referral activities or materials are officially affiliated with or endorsed by Premium.Chat. Any use of Premium.Chat’s name, logo, or branding must comply with Company guidelines and only indicate Premium.Chat as the platform you are referring sellers to. You may not claim to be an employee or agent of the Company, and you must not state or imply that your referral links or promotions are operated by Premium.Chat itself. Misrepresentation of your role or affiliation is strictly forbidden and can result in immediate removal from the Referral Program.

D. Independence of Participants: Referral Program participants are independent third parties. Nothing in the program or these terms deems participants as employees, agents, legal representatives, or partners of the Company. You (and any referral participants) are solely responsible for your own marketing activities and any legal obligations arising from them. You have no authority to bind the Company or make commitments on the Company’s behalf. Joining the Referral Program does not create any partnership or joint venture with Premium.Chat.

E. Referral Tracking: The Company will make best efforts to accurately track referrals using technologies like cookies or other proprietary tracking methods. However, Premium.Chat is not liable for tracking failures that may occur (for example, if a referred user does not use your link, clears cookies, or otherwise prevents tracking). The Company will only pay commissions on referrals that are successfully tracked through its system. If a referral is not captured by our tracking mechanism, we are not obligated to manually attribute or pay a commission for that referral.

F. Compliance with Laws: You must conduct all referral activities in compliance with all applicable laws and regulations, as well as with Premium.Chat’s standards and policies. The Company may request to review and approve your promotional content or methods. Premium.Chat reserves the right, at its sole discretion, to disqualify or terminate any Referral Program participant who engages in illegal, unethical, or inappropriate marketing practices, or any activity that could harm Premium.Chat’s reputation.

G. Prohibited Referrals: You may not refer yourself or any business or entity in which you have a direct or indirect ownership interest. Self-referrals (creating additional accounts to earn commissions) are strictly prohibited and considered fraudulent. Similarly, you may not attempt to game the program by referring individuals or entities that are effectively your alter-egos or controlled by you. Such actions will be deemed a breach of these Referral Program terms.

H. Prohibited Marketing Practices: In promoting Premium.Chat’s Referral Program, you must adhere to ethical marketing practices. The following activities are expressly forbidden:

  • Creating any website, landing page, social media profile, or other online presence that mimics or could be confused with Premium.Chat’s official website or branding. You should not design any promotional materials in a way that could trick users into believing they are dealing directly with Premium.Chat.

  • Promoting scams or misleading “get-rich-quick” schemes in connection with your referral link. Your messaging must not suggest unrealistic earnings or make deceptive claims.

  • Purchasing search engine keywords or pay-per-click ads that include Premium.Chat’s trademarks or any variations/misspellings of “Premium.Chat” or “Premium Chat”. (For example, you cannot bid on “PremiumChat” as a Google Ad keyword.)

I. Consequences of Breach: If you violate any of the Referral Program terms or misuse the program, Premium.Chat may cancel your participation and your account. The Company reserves the right to withhold or cancel any pending referral commission payouts earned through violating conduct. Serious or willful violations may also result in further action, including legal action, at the Company’s discretion. By participating, you acknowledge that breaching these terms can lead to loss of referral benefits and potential account termination.

J. Termination of Referral Benefits: If your Chat Seller account is terminated for any reason (whether terminated by the Company for cause, or by you voluntarily closing your account), you will forfeit any and all referral commissions that have accrued but were not yet paid out. This forfeiture applies regardless of whether your account closure is due to a terms violation, a voluntary decision, or other reasons. In short, you must have an active Chat Seller account to continue earning and receiving referral commissions.

9. Account Inactivity

If your Chat Seller account remains inactive (no logins) for a period exceeding 365 days, the Company may, at its discretion, delete or disable your account due to inactivity. This may be done with or without prior notice. To avoid losing your account and any associated content or earnings, we strongly advise you to log in periodically. Maintaining regular access ensures your account stays active and available. (Note: This inactivity policy applies to both Chat Sellers and Chat Buyers on the platform. Frequent logins help preserve accounts.)

10. Disclaimer of Warranties

THE SITE AND ANY CHAT SELLER SERVICES ARE PROVIDED "AS IS", "WITH ALL FAULTS", AND "AS AVAILABLE". TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED. THIS INCLUDES, BUT IS NOT LIMITED TO: (I) ANY WARRANTY OF ACCURACY, RELIABILITY, TIMELINESS, SECURITY, PERFORMANCE OR COMPLETENESS OF THE SITE OR ANY CHAT SELLER SERVICES, OR THAT THE SITE/ SERVICES WILL FUNCTION WITHOUT ERRORS OR DOWNTIME; (II) ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT; (III) ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE; AND (IV) ANY GUARANTEE THAT THE SITE OR SERVICES WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS.

YOU ASSUME ALL RISK FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM or loss of data that results from use of the Site or any Chat Seller Services. The Company does not warrant that the Site or Chat Seller Services will be uninterrupted, error-free, or free of viruses or other harmful components. It is your responsibility to implement anti-virus protections and backups as needed.

The Company makes no guarantees about results that may be obtained from using the Site or Services, or about the accuracy or reliability of any information obtained through the Site. No advice or information, whether oral or written, obtained by you from the Company or through the Site shall create any warranty not expressly stated in this Agreement.

11. Limitation of Liability

To the fullest extent permitted by law, in no event will the Company or its affiliates, suppliers, or their respective officers, directors, employees, shareholders, agents, or licensors be liable to you or any third party for any indirect, direct, special, incidental, consequential, punitive, or exemplary damages (including but not limited to loss of profits or revenue, business interruption, loss of data, or theft or damage to property) arising out of or in connection with your use of (or inability to use) the Site or any Chat Seller Services. This limitation applies regardless of the form of action, whether in contract, tort, strict liability, or otherwise, even if the Company has been advised of the possibility of such damages.

If you are dissatisfied with any aspect of the Site or Chat Seller Services, or have any dispute with the Company arising from or related to this Agreement or the use of the Site/Services, your sole and exclusive remedy is to stop using the Site and the Chat Seller Services.

12. Third-Party Links and Services

The Site and communications through the Site may contain links to third-party websites or may offer products/services from third parties. These links and offers are provided for your convenience only. The Company does not control, endorse, or assume any responsibility for third-party websites or services. If you access a third-party site via a link on Premium.Chat, you do so at your own risk. The Company makes no warranties or representations about the content, products, services, privacy practices, or any other aspects of such third-party sites. You acknowledge that the Company shall not be liable for any loss or damage incurred in connection with your access or use of any third-party links, or dealings with such third parties.

13. Adult-Oriented Content and Age Confirmation

Parts of the Site (including chat messages and any content exchanged) are designed for adults only. You must be at least 18 years old (or the age of majority in your location, if higher; note: 21 in AL, MS, NE, WY in the USA, or as local law dictates) to access and use Premium.Chat. Some content may be of a sexually explicit or erotic nature. No minors (under 18, or under the applicable age of majority) are permitted access to any such content. If you are offended by adult-oriented content or do not wish to be exposed to it, do not use this Site.

By accessing or using Premium.Chat, you make the following affirmative statements under penalty of perjury:

"I swear/affirm that I am an adult at least 18 years of age (and at least 21 years old in any jurisdiction where 18 is not the age of majority). I will not permit any person(s) under the age of majority in their jurisdiction to access this Site or any content or services on it. I understand that by accessing the Site and Chat Seller Services, I will be exposed to content of a sexually oriented nature (including visual depictions and descriptions of nudity and sexual activity). I am knowingly and voluntarily choosing to access such adult content for my personal use and interest. I believe that as an adult, it is my right to view or otherwise engage with this material, and I do not find it offensive or objectionable. I am familiar with and understand the standards of my community regarding adult materials, and I affirm that the content on Premium.Chat falls within those acceptable standards such that it does not violate community norms. I further represent that I have not notified any governmental agency (including the U.S. Postal Service) that I do not wish to receive sexually oriented material."

14. Prohibited Content Guidelines

All Chat Sellers (and Chat Buyers) must adhere to Premium.Chat’s Prohibited Content Guidelines. The following types of content are strictly forbidden on the platform. Violation of these guidelines is grounds for immediate account termination without notice and potential legal action:

  • Child Exploitation: Absolutely no content involving minors. This includes any depiction, discussion, or implication of individuals under 18 years of age. Any reference to persons being underage (including words like “schoolgirl,” “Lolita,” childhood scenarios, etc.), any imagery containing minors or child-related objects in a sexual context, or any roleplay of an underage scenario is prohibited.

  • Incest: Any content that portrays or suggests incestuous relationships, including roleplay of family members (e.g., step-family, in-laws) in sexual scenarios, is forbidden.

  • Underage Role-Playing: All forms of role-play where one participant is depicted as under 18 (even if both participants are adults) are strictly prohibited.

  • Bestiality: Any sexual content involving animals is banned. This includes actual or simulated acts with animals, as well as use of animal imagery, animal-related language, or bestiality-themed fantasies.

  • Non-Consensual Acts: Content depicting rape, sexual coercion, non-consensual violence, or any “fantasy” of non-consent (e.g., abduction, forced intoxication) is not allowed.

  • Dangerous Sexual Practices: Extremely dangerous or life-threatening sexual activities are prohibited. Examples include content with all four limbs bound during penetration (total immobilization bondage), blood play, knife play or weapons, needle play, asphyxiation that is life-threatening, or any “edge play” that poses serious risk.

  • Life-Threatening or Extreme Violence: Any content suggesting necrophilia (sexual acts with corpses), simulated executions, torture, or permanent harm or death as part of a sexual scenario is banned.

  • Extreme or Fetish Content: Certain extreme fetishes are not allowed, including but not limited to: castration or genital mutilation fantasies, amputation fetishes, “sounding” (insertion of objects into the urethra) if depicted in an extreme manner, scatological/toilet play involving feces or urine, any portrayal of animal cruelty, extremely violent fisting, or use of hateful racial slurs in a sexual context.

  • Drug Use: Content involving illegal drug use or the promotion of drug culture is not permitted. This includes showing or discussing use of illegal drugs, on-camera intoxication with illicit substances, promotion of “420” marijuana culture where illegal, or showing drug paraphernalia in a suggestive manner. (Legitimate discussions about recovery or medical cannabis outside sexual content may be exempt, but use caution.)

  • Encouraging Policy Violations: Any content that implies the participant is willing to break Premium.Chat’s rules is not allowed. For instance, advertising “no limits,” “no taboos,” or “anything goes” services suggests you are open to prohibited content and is itself a violation.

If you encounter or become aware of any user violating these content guidelines, you are urged to report it immediately. Use the designated reporting channels on the site (e.g., the "Report a Problem – Compliance Concern" form on our contact page) to inform the Trust & Safety team. Premium.Chat uses automated systems and human moderators to monitor for prohibited content, but the community’s vigilance is vital in upholding a safe environment.

Premium.Chat will investigate all reports promptly and confidentially. Accounts found to be in violation of these content rules will be terminated, and if appropriate, reported to law enforcement (especially in cases of child exploitation or other criminal content).

15. Restricted Locations

The Site and Chat Seller Services may not be accessed or used in any location where such access would violate any law, regulation, rule, or ordinance. If you are in a region where adult content or paid chat services are prohibited by law, you must not use this Site. The Company also reserves the right to block or restrict access to the Site in any country or region at its sole discretion. Premium.Chat shall not be liable for any inability to access the Site due to government regulations, geo-restrictions, or the Company’s decision to restrict service in certain areas.

16. Indemnification

You agree to indemnify and hold harmless the Company, its owners, operators, officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) that arise out of or relate to your activities on the Site or through the Chat Seller Services. This includes, without limitation, your breach of these Terms and Conditions, any content you submit or actions you take on the platform, and any violation of law or third-party rights in connection with your use of Premium.Chat. The indemnification obligation will survive the termination of your Chat Seller account or cessation of use of the Site.

17. Notice

The Company may provide notices to you via electronic means. This includes emails to the address you provided, text messages or notifications through the Site, or general postings in your account dashboard or on the Site itself. You consent to receive electronic notices.

If you need to send a notice to the Company (for example, for legal notices or account issues), you should do so through one of the following methods (unless a specific section of these Terms directs otherwise): via email to the Company’s official contact email, via postal mail, or via the online contact form or support ticket system provided on the Site. The current contact information is provided in Section 25 (Contact Information) below. Notices sent by you are considered given when actually received by the Company.

18. Severability

If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible, and the remaining provisions of these Terms shall remain in full force and effect. In other words, an invalid clause will be cut out or limited, but the rest of this Agreement will not be affected and will continue to be enforceable.

19. Waiver

No waiver of any term or condition of this Agreement, or of any breach or default hereunder, shall be valid unless in writing and acknowledged by an authorized representative of the Company. The failure of the Company to enforce any provision or exercise any right under these Terms shall not be deemed a present or future waiver of that provision or right, nor will it affect the Company’s ability to enforce that provision or any other provision at a later time. No Company employee or representative (including customer service agents or Chat Sellers acting on the platform) is authorized to waive any term of this Agreement.

20. Governing Law

This Chat Seller Agreement and any disputes arising out of or related to it or the use of the Site/Services are governed by the laws of the State of Florida, USA, without regard to its conflict of law principles. By agreeing to these terms, you acknowledge that the laws of Florida will apply to any issues that arise, and you consent to the jurisdiction of Florida courts if applicable (subject to any arbitration or dispute resolution provisions that might be provided elsewhere, if any).

21. Contact Information

If you need to contact the Company for any reason (including to provide notices, ask questions, or raise concerns regarding these Terms or the platform), you may do so using the following contact information:

FutureQuest Marketing, Inc. (d/b/a Premium.Chat)
43B Glen Cove Road, Suite 182
Greenvale, New York 11548
United States of America
800-267-0127

Email: info@premium.chat or Contact Page

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