HeartTalk Policies
Draft policy information for the current pre-launch version. These pages must be reviewed and finalized with the business operator and legal adviser before public commercial launch.
Terms of Service
HeartTalk is a social platform intended only for adults aged 18 and above. By creating an account, you agree to provide accurate information, keep your login credentials secure, and use the platform lawfully and respectfully.
Harassment, threats, hate, impersonation, scams, spam, sexual exploitation, non-consensual content, and illegal activity are prohibited. Users may block and report accounts. HeartTalk may review reports, restrict accounts, remove content, or suspend access when necessary to protect users and comply with law.
Users are responsible for content they upload or share and must have the rights and permissions required to share it. Do not share another person's private information without permission.
Coins, gifts, frames, and other digital items are platform features. Coin packages currently shown in the app are planning displays only. Purchases, coin crediting, cash conversion, host cash-outs, and bank transfers are not enabled. No payment should be made for these displayed packages. If these services are enabled later, their final prices, eligibility, expiry, refund rules, and payout terms will be disclosed before purchase.
HeartTalk does not promise uninterrupted availability. Features may be changed, suspended, or removed for maintenance, safety, legal compliance, or technical reasons. These terms require operator details, governing law, dispute contact, and final legal review before launch.
Privacy Policy
HeartTalk may process account identifiers, phone number or email used for sign-in, profile details, photos, messages, call/live session metadata, reports, blocks, and technical diagnostics needed to operate and protect the service.
Information is used to create accounts, display profiles, enable communication, moderate abuse, maintain security, provide support, and improve reliability. Private messages are intended for the conversation participants; authorized safety or legal processes may require limited review or disclosure.
Service providers may process information on HeartTalk's behalf, including Supabase for authentication/database/storage and LiveKit for real-time audio/video, where configured. Payment providers will be identified here before payment processing is enabled.
Users should avoid sharing passwords, OTPs, bank PINs, card security codes, or sensitive personal information in chats. Users may request account/privacy assistance through the in-app support channel once it is published. Retention periods, operator identity, contact details, cross-border processing details, and the formal data-rights request process must be completed before launch.
Refund & Cancellation Policy
Real-money coin purchases and paid digital services are currently disabled. The coin package cards are informational only; HeartTalk does not currently collect payment for them, so no purchase or refund transaction is being offered through this version.
Before payments are enabled, HeartTalk will publish the payment provider, cancellation process, refund eligibility, processing timelines, treatment of failed/duplicate payments, chargebacks, and a support contact. Do not transfer money directly to any person claiming to sell HeartTalk coins.
Host & Creator Guidelines
Hosts must be adults, use accurate account details, respect users, and comply with applicable laws and platform safety rules. Fraudulent engagement, coercion, misleading earnings claims, and attempts to bypass payment or identity checks are prohibited.
The planned gift revenue share is 60% Host / 40% HeartTalk. This is a target platform allocation, not a promise of a cash amount per coin. Actual INR settlement, deductions, taxes, eligibility, minimum payout, identity verification, bank verification, and payout timing will be defined only after provider approval and publication of final host payout terms.
Host coin earnings shown during development are not cash, are not transferable, and cannot currently be withdrawn to a bank account.
Safety
Use the in-app Report and Block tools for suspicious or abusive behaviour. Never send money or OTPs to another user. Contact the platform through its official support channel once published.