Tapylapy
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This policy explains how coin top-ups via the Apple and Google stores, refunds, the VIP subscription, rewards, and related financial controls work on Tapylapy, including the platform's protective rights to review, hold, suspend, or reject transactions where necessary.

In short: Coin top-ups are final from Tapylapy's side and not refunded by us directly. Rewards and withdrawals may be reviewed, held, frozen, delayed, or rejected where needed for compliance, safety, or platform protection.
Responsible entity: The Tapylapy app and website are owned and operated by SULTAN X LTD, a company registered in England, United Kingdom, company number 17198402, London, United Kingdom.

1) Scope & Definitions

This policy applies to all payments inside Tapylapy related to coins, virtual balance, the VIP subscription, rewards, and withdrawals. It may not govern other services or products that have separate policies.

  • Coins: virtual balance used inside Tapylapy for purchases, support, or platform features. Coins are not cash, bank deposits, or stored-value money.
  • Coin top-up: any transaction in which you pay real money through the Apple or Google store to receive coins in your Tapylapy account.
  • Rewards: any discretionary balance Tapylapy grants to creators based on their activity on the platform, as described in our AML/KYC & Rewards Policy.
  • Withdrawal: an approved payout process, executed through the Company's own payment channels, that allows a verified creator to receive eligible rewards after review and approval.
In short: Coins and rewards on Tapylapy are governed by platform rules, technical controls, and legal compliance requirements.

2) Coin Top-Up via Apple & Google

  • On iOS devices, coin top-ups are processed exclusively through Apple In-App Purchase.
  • On Android devices, coin top-ups are processed exclusively through Google Play Billing.
  • After a successful purchase through the Apple or Google store, your payment is converted into virtual coins shown in your account for use inside Tapylapy only.
  • Coins cannot be used outside Tapylapy and are not a bank account, deposit product, or freely transferable monetary instrument.
  • You are responsible for reviewing the transaction details inside the Apple or Google purchase interface before confirming a top-up, including the amount and the payment method linked to your Apple/Google account.
In short: Top-ups are processed exclusively through Apple's and Google's official purchase systems and become in-platform virtual balance only.

3) No-Refund Policy

Once a coin top-up is successfully completed through the Apple or Google store and the balance appears in your account, the transaction is final from Tapylapy's side. We do not refund coin purchases directly, except where required by applicable law or in the event of a clear technical error caused by Tapylapy.

Important: The decision to approve or deny a refund for a purchase made through the App Store or Google Play rests exclusively with Apple or Google, under their own refund policies. Tapylapy does not control or guarantee that outcome. To request a refund for a purchase, contact:

  • Not using your coins or changing your mind after purchase does not entitle you to a refund from Tapylapy.
  • User-side mistakes, including incorrect account, amount, or payment details, are not valid grounds for a refund from Tapylapy.
  • Tapylapy may request documents or additional information in the event of a payment dispute or objection.

Paid post promotion: when you spend coins to run an ad campaign for a post, the campaign's full budget is reserved from your balance immediately, then consumed gradually based on actual views or clicks. Any portion not consumed is automatically refunded to your balance once the campaign ends naturally or is cancelled by you — unlike the original coin top-up transaction via Apple/Google (non-refundable from Tapylapy as described above), the unconsumed portion of a promotion campaign's budget is not final and is genuinely refunded.

In short: Top-ups are final from our side; any refund of a purchase is governed exclusively by Apple's or Google's policies, not Tapylapy's decision. Unconsumed promotion budget, however, is genuinely refunded when a campaign is cancelled or ends.

4) Bonus & Promo Coins

Tapylapy may sometimes provide free coins, bonuses, or promotional rewards through campaigns, contests, support programs, or internal reward systems.

  • Promo or bonus coins are intended for in-platform use only.
  • Free or promotional coins cannot be redeemed for cash.
  • Promo or bonus coins do not count as rewards eligible for withdrawal.
  • Tapylapy may modify, suspend, or cancel any promotion or reward program at any time.
In short: Free coins are not guaranteed cash value and do not automatically qualify for withdrawal.

5) VIP Subscription

Tapylapy offers an optional VIP subscription that grants additional in-app benefits, obtained by spending Tapylapy coins — not a direct cash payment or an auto-renewing subscription billed through the Apple or Google store:

  • VIP is purchased using your in-app coin balance, the same way you purchase any other virtual item or feature on Tapylapy.
  • VIP does not auto-renew. It grants additional benefits for a fixed period only (as shown in the app at the time of purchase), and those benefits automatically end at the end of that period unless you spend additional coins to manually renew it yourself.
  • The coin price and validity period are clearly shown inside the app before purchase.
  • Because VIP is purchased with Tapylapy's internal coins, it is subject to the same no-refund coin policy described in Section 3 above, not to Apple's or Google's auto-renewable subscription refund policies.
In short: VIP is purchased with Tapylapy coins for a fixed period and does not auto-renew, just like any other virtual item in the app, and is governed by the no-refund coin policy, not Apple/Google subscription policies.

6) Rewards

Verified creators may receive rewards from Tapylapy based on their activity on the platform (such as gifts they receive), under platform criteria detailed in our AML/KYC & Rewards Policy.

These rewards are discretionary and granted by the platform; they are not wages or income from a direct business activity with Tapylapy, and they do not create any employment, agency, or partnership relationship.

In short: Rewards are a discretionary platform benefit, not business or employment income; full details are in the AML/KYC & Rewards Policy.

7) Reward Withdrawals

Withdrawal of eligible rewards is currently live for verified creators who have passed identity verification and meet the minimum follower/view thresholds. Tapylapy processes withdrawal requests and transfers amounts due via PayPal (a business account registered in SULTAN X LTD's name), Wise, or a local payment agent in certain countries, depending on what is available for the creator's country. Withdrawal applies only to eligible rewards generated from your activity on the platform (views and gifts/support received), not to funds you personally used to top up coins.

  • You must pass the identity verification described in our AML/KYC Policy before any withdrawal request is approved.
  • Withdrawal is not an automatic or absolute right and remains subject to review, internal controls, and legal compliance requirements before any transfer is executed.
  • Tapylapy sets minimum and maximum withdrawal amounts and review and processing periods; the available payout method (PayPal / Wise / local agent) may vary by the user's country.
In short: Withdrawal is a live feature, available only to verified creators who meet the minimum thresholds, paid via PayPal (Company account), Wise, or a local payment agent, after required verification.

8) Top-Up & Withdrawal Limits

Tapylapy may impose minimum or maximum limits on top-ups, withdrawals, reward flows, or other internal value transfers, whether globally or based on account type, jurisdiction, verification level, or risk profile.

  • Top-up and withdrawal limits may differ from one user to another.
  • We may change such limits at any time to protect the platform's financial system, comply with law, or reduce fraud and abuse.
  • The existence of financial or operational limits is a legitimate risk-control measure and does not create any entitlement to unrestricted access.
In short: We set top-up and withdrawal limits to reduce abuse, fraud, and money-laundering risk.

9) Exchange Rate, Fees & Taxes

Tapylapy does not apply a flat fee percentage deducted from your withdrawal amount. Instead, Tapylapy coins and rewards operate on two separate exchange rates, set by the platform and subject to change from time to time, with no requirement that they be equal:

  • Top-up rate (buying coins): the actual amount you pay via Apple or Google for each coin, clearly shown in the purchase interface before you complete a transaction.
  • Reward-to-USD conversion rate (withdrawal rate): a separate rate set by the platform to convert a verified creator's points/rewards into withdrawable USD balance. This rate is clearly shown in the "Creator Studio" section of the app before you complete any conversion or withdrawal request, so you know the actual value before collecting your reward. This rate is fully independent of the top-up rate, is not guaranteed to equal it, and may change from time to time at the platform's discretion. The difference between the two rates is the mechanism by which Tapylapy may derive an operating margin from top-ups and withdrawals.
  • Additional transfer fees may apply depending on the withdrawal method available in the app and the channel used, separate from the exchange rate above and outside Tapylapy's control.
  • You are responsible for any personal tax reporting, declarations, or liabilities arising from your rewards or withdrawals in your country.
In short: There is no flat fee deducted from withdrawals; instead, the coin purchase rate and the reward-to-USD conversion rate are two separate, changeable rates set by the platform, each clearly shown in the app at the time of the transaction — plus any external transfer fees or applicable taxes.

10) Freezing, Holds & Suspension

Tapylapy may freeze, hold, suspend, delay, restrict, or reserve any rewards, payouts, top-ups, or withdrawals if the platform believes there is a legitimate legal, operational, financial, compliance, or security reason to do so.

  • This includes suspected fraud, money laundering, unusual activity, policy violations, payment disputes, abuse signals, or serious reports.
  • We may place payouts or rewards on hold while a review, verification process, or request for supporting documents is ongoing.
  • We may also reject, reverse, withhold, or cancel certain rewards if they are found to be invalid, abusive, unauthorized, or generated in violation of platform rules.
In short: We may freeze your rewards, payouts, or withdrawals whenever a real issue, suspicion, or compliance need exists.

11) AML & Fraud Prevention

All top-up, reward, and withdrawal activity is governed by our full AML/KYC policy, which describes identity-verification procedures, sanctions screening, monitoring of suspicious activity, and record-keeping periods.

In short: For full AML and identity-verification procedures, see our AML/KYC Policy.

12) Chargebacks & Misuse

Attempting to reverse a payment through Apple, Google, or your bank after using those funds to obtain coins, without a valid reason, may be treated as abuse, bad faith, or fraud.

  • Tapylapy may freeze accounts, restrict features, or suspend balances where abusive chargebacks are suspected.
  • We may recover or deduct losses, fees, penalties, or damages caused by unjustified chargebacks from your balance, rewards, or future payouts.
  • Repeated misuse may lead to permanent suspension and further legal or regulatory escalation where appropriate.
In short: Fraudulent or abusive chargebacks can result in account restrictions, loss recovery, and permanent suspension.

13) Platform Protective Rights

To protect its financial, operational, and legal interests, Tapylapy reserves the right to take any reasonable or necessary action to prevent losses, abuse, exploitation, systemic risk, regulatory exposure, or contractual harm.

  • We may stop, limit, deny, or suspend top-ups, withdrawals, or reward features at any time where legitimate interests require it.
  • We may request additional documents or conduct renewed verification of the account, identity, transaction history, or related activity.
  • We may correct accounting or technical errors, reverse balances, or cancel rewards generated through bugs, abuse, exploits, or policy violations.
  • We may revise or revoke a user's eligibility for reward or withdrawal features based on our reasonable assessment, while allowing the user to submit an appeal via [email protected] within 30 days of the decision.
In short: The platform has broad protective rights to defend itself from financial and legal harm, while users may request a review of a decision.

14) Age & Eligibility

All features in this policy (top-ups, the VIP subscription, rewards, withdrawals) are available exclusively to persons 18 years or older, under our Terms of Service and AML/KYC Policy.

15) Changes to This Policy

Tapylapy may update this policy from time to time, especially when changing fees, thresholds, withdrawal rules, verification requirements, financial compliance rules, or platform features.

The latest version will be posted on this page and becomes effective upon publication unless otherwise stated. For material changes, we will try to provide clearer notice inside the platform.

In short: Rules, fees, limits, and procedures may change in the future, and this page will reflect the latest version.

16) Contact

If you have questions about coin top-ups, refunds, the VIP subscription, rewards, withdrawals, or fees, you can contact us at: [email protected].

For formal legal correspondence: [email protected]. If there is any conflict between the Arabic and English versions, the Arabic version shall govern.