← BackEffective date: July 9, 2026 · Version 2026-07-09 · Operator: JamStream Ltd (ג'אמסטרים בע"מ), Israel
JamStream is an 18+ live-music social platform where you can perform, watch, tip, and support other performers. This policy explains how JamStream "Coins" work in plain English: you buy Coins with real money (via PayPal, on our website only — never inside the mobile apps), and you can also earn Coins when other users tip or gift you. Only earned "cashable" Coins can be withdrawn to real money (minimum 15,000 Coins ≈ US$75, after a hold and review). Coins you buy, and free bonus Coins, are never withdrawable. Battles on JamStream are free, bragging-rights-only competitions — no coins are ever staked or won. Concerts are ticketed paid events with a refund policy, and optional Pro, VIP, and Vanguard upgrades are purchased with Coins (deducted from your Coin balance), never bought inside the mobile apps.
Coins are not a bank deposit and have no cash value to you as a buyer. When you buy Coins, you are making a final purchase of a limited, revocable license to a digital good — you are not depositing money, opening a balance, or acquiring stored value. JamStream is not a bank, is not a money transmitter, money services business, payment institution, e-money issuer, or financial institution, is not a deposit-taking institution, and is not an issuer of electronic money or legal tender. Coins are not money, are not a deposit, are not stored value, are not a financial instrument or security, are not a claim on JamStream for money, are not insured by the FDIC, the FSCS, or any deposit-insurance scheme, and do not earn interest. The Coins you buy have no cash value to you, are non-refundable, and can never be redeemed or withdrawn for money by you as the purchaser. Separately, JamStream operates a discretionary creator-compensation (revenue-share) program under which performers may receive payouts, funded from JamStream's own revenue and paid through PayPal as described in Sections 9 and 10; a payout is not a redemption of your Coins and not a transfer of your money. Purchased Coins and free/bonus Coins can never be withdrawn for money by anyone.
Binding arbitration & class-action waiver (with a 30-day opt-out). Except where prohibited by law, disputes relating to Coins, payments, and payouts are resolved by binding individual arbitration, and you and JamStream waive the right to a jury trial and to participate in a class action. You may opt out of arbitration within 30 days after the date you first create your account by emailing [email protected]. See the Terms for the full arbitration clause. Nothing here waives a right that your local law makes non-waivable.
1.1. This Coins, Payments & Refunds Policy (this "Policy") governs the purchase, earning, holding, spending, withdrawal (cash-out), refund, and forfeiture of JamStream "Coins," together with all payment, subscription, ticketing, tipping, gifting, and payout activity on the Service. It is a binding part of, and is incorporated by reference into, the JamStream Terms of Service (the "Terms"). Capitalized terms not defined here have the meaning given in the Terms.
1.2. Order of precedence. If there is a conflict between this Policy and the Terms on a payments, coins, refunds, or payout matter, this Policy controls to the extent of that conflict. If there is a conflict between this Policy and a mandatory, non-waivable right granted to you by the consumer-protection law of your country or state of residence, that mandatory right controls (see Section 22).
1.3. You must be 18 or older. The Service, and every feature described in this Policy, is restricted to persons aged 18 and over. You may not buy Coins, earn Coins, spend Coins, cash out Coins, host or buy concert tickets, enter battles, tip, gift, or subscribe unless you are 18 or older and legally able to form a binding contract in your jurisdiction. See our Child Safety policy.
1.4. Plain-English intent; no waiver of law. We have written this Policy to be understandable. Nothing in it is intended to, and nothing in it shall, waive or diminish any right you have under law that cannot lawfully be waived. Where a broadly worded clause would be unenforceable against you as a consumer under your local law, it is to be read as narrowed to the maximum extent that law permits, and the remainder of the Policy stays in force (see Section 24).
1.5. This is not a bank account, and JamStream is not a financial institution. JamStream is not a bank, money transmitter, money services business, payment institution, e-money issuer, or financial institution, and does not provide financial services. JamStream is not a deposit-taking institution, is not an issuer of electronic money or legal tender, and does not provide any banking, custodial, money-transmission, investment, or savings service. Coins are not deposits or stored value and are not insured. Coins are not money, are not a deposit, are not stored value, are not a financial instrument or security, are not a claim on JamStream for money (except strictly as set out in Section 9 for the Cashable-Coin creator-compensation payout), are not insured by the FDIC, the FSCS, or any deposit-insurance scheme, and do not earn interest. JamStream does not hold, transmit, or take custody of user funds; all movement of money is executed by PayPal and any other licensed Processor, as described in Section 10.
2.1. "Coins" means the virtual, in-Service item used across JamStream, sold by JamStream to the buyer as a final sale of a limited, revocable license to a digital good. Coins are a limited-license digital feature and unit of account within the Service. Coins are not money, not stored value, not a deposit, not e-money, not a financial instrument, not a security, not a cryptoasset or blockchain token, not legal tender, not a prepaid access or stored-value instrument redeemable at third parties, and not a deposit or claim against JamStream for money. The only circumstance in which Coins are connected to a payment of money is the discretionary creator-compensation payout of Cashable Coins described in Section 9, and even then the payout is compensation paid by JamStream out of its own revenue and calculated by reference to Cashable Coins — it is not a redemption of Coins for money by the holder.
2.2. "Purchased Coins" means Coins you acquire by paying money for them (via PayPal on the Website, as described in Section 5).
2.3. "Promotional Coins" means Coins granted to you for free or as an incentive — including welcome Coins, phone-verification Coins, referral Coins, streak/milestone Coins, and any Coins we issue as a bonus, credit, goodwill gesture, or marketing promotion (see Section 8).
2.4. "Earned Coins" means Coins credited to you from activity on the Service — including tips, gifts, SuperChat, concert-ticket revenue (net of the applicable Platform Fee), and any Coins we designate as earnings. Battles do not produce Earned Coins (see Section 7).
2.5. "Cashable Coins" means the subset of your Earned Coins that have satisfied all eligibility conditions in Section 9 (including the maturity hold) and are therefore withdrawable to money via PayPal, subject to this Policy. Only Earned Coins can ever become Cashable Coins. Purchased Coins and Promotional Coins are never Cashable Coins and can never be withdrawn for money.
2.6. "Website" means jamstream.live and its web pages accessed through a browser.
2.7. "Mobile Apps" means the JamStream native applications distributed through the Google Play Store, the Apple App Store, or any other app marketplace.
2.8. "Payout" means a withdrawal of Cashable Coins to money paid to your PayPal account.
2.9. "Platform Fee" means the percentage JamStream retains from a tip, gift, SuperChat, or concert-ticket transaction, as stated in Section 4.
2.10. "Processor" means PayPal and any other licensed third-party payment service provider we use to take payments in or send Payouts out.
3.1. Coins have two characters, and they are treated differently. This is the single most important thing to understand about Coins.
3.2. Purchased Coins and Promotional Coins are a final sale of a limited license, with no monetary value to you. When you buy Purchased Coins, you are completing a final sale by JamStream to you of a limited, revocable license to a digital good. When you buy or receive Purchased Coins or Promotional Coins, you receive a limited, personal, revocable, non-transferable, non-sublicensable license to use those Coins within the Service to access features (for example, to tip, gift, buy concert tickets, or purchase a Pro/VIP/Vanguard upgrade). Purchased Coins and Promotional Coins:
3.3. Cashable Coins entitle an eligible performer to request creator compensation — and we say so plainly. We do not pretend that Coins have no relationship to money for everyone. Earned Coins that mature into Cashable Coins entitle an eligible performer to request a Payout of creator compensation — paid by JamStream out of its own platform revenue and calculated by reference to the performer's Cashable Coins — on the terms and subject to the conditions, holds, thresholds, verification, fees, taxes, and forfeiture rules in Sections 9 through 15. This is compensation earned through activity on the Service, not a cash-out or redemption of the buyer's Coins and not a return of any buyer's money (see Section 9.0). We do not pretend that a performer's matured Cashable Coins have no economic significance to that performer, because that would be untrue; but only a performer's own Earned/Cashable Coins carry this significance, and a buyer's Purchased Coins never do.
3.4. The buy rate and the earn/cash-out rate are different, and we disclose the difference here.
You acknowledge and accept this spread. The amount a buyer pays for Coins and the amount a recipient can eventually withdraw are not the same, and the difference is created by the Platform Fee and the purchase-versus-payout structure described above. This asymmetry is disclosed on the face of this Policy so that it is transparent and not hidden.
3.5. Separation of balances; no laundering of non-cashable Coins. We maintain accounting separation between (i) Purchased/Promotional Coins and (ii) Earned/Cashable Coins. Purchased Coins and Promotional Coins can be spent within the Service but can never be re-characterized, converted, migrated, or "laundered" into Cashable Coins or into money. Any Coins spent by you are deducted first from your non-cashable balances to the extent our systems apply, and only Earned Coins that satisfy Section 9 are eligible for Payout.
4.1. Purchase rate. 200 Coins = US$1.00. Coin packages may be offered at this rate and may be labeled with descriptors such as "Best Value." Such labels are ordinary marketing descriptions and are not a promise of resale value, investment return, or cash-out value.
4.2. Platform Fees. JamStream retains the following Platform Fees from the following transactions. The recipient receives the remainder as Earned Coins:
| Transaction | JamStream retains | Recipient receives |
|---|---|---|
| Tips | 25% | 75% |
| Gifts | 25% | 75% |
| SuperChat (pinned messages) | 50% | 50% |
| Concert tickets | 30% | Host: 70% |
4.3. Battles are free. Battles do not involve Coins. No Coins are staked, escrowed, pooled, wagered, won, transferred, or paid in a battle, and no Platform Fee applies to a battle (see Section 7).
4.4. No guarantee of value or exchange rate. The purchase rate, the earn/cash-out value, and the Platform Fees are subject to change on a prospective basis with notice under Section 25. We do not guarantee that any rate will remain fixed. Changes will not retroactively reduce the money value of Cashable Coins that have already matured before the change takes effect.
4.5. No guarantee of earnings or income. JamStream makes no representation, promise, or guarantee that you will earn any Coins, earn any money, reach the Payout threshold, or achieve any level of tips, gifts, followers, ticket sales, or income. Marketing language such as "earn Coins from fans," "grow real support," or "cash out your earnings" describes features that are available on the Service; it is not a prediction, projection, or guarantee of the earnings any user will actually achieve. Individual results depend on many factors outside our control, including your content, effort, audience, and the voluntary choices of other users. Most users do not earn amounts sufficient to reach the Payout threshold, and many users earn nothing. You should not buy Coins, use the Service, or make any financial decision in expectation of earning money.
5.1. Where you can buy Coins. Purchased Coins may be bought only on the Website, and only through PayPal. PayPal accepts payment by credit card, debit card, or PayPal balance, subject to PayPal's own terms.
5.2. Coins cannot be purchased in the Mobile Apps. The JamStream Mobile Apps contain no in-app purchase functionality of any kind — no in-app purchase of Coins, subscriptions, concert tickets, or any other paid item, and no in-app billing. This is a permanent design and compliance choice consistent with app-store policy. To the extent this Policy is reachable from within the Mobile Apps, its description of Website purchasing is informational only and is not an offer, solicitation, link, or invitation to purchase anything outside the app. Coins and other paid items are purchased solely on the Website by users who independently choose to visit it in an ordinary web browser.
5.3. Processing and timing. Coin purchases are processed by PayPal. We aim to credit Purchased Coins to your account promptly, and Coins typically appear in your balance shortly after PayPal confirms your payment. We do not guarantee instantaneous crediting. Crediting depends on PayPal's confirmation, network conditions, and fraud/risk checks, any of which may cause delay. Any marketing reference to Coins appearing "instantly" is a description of typical experience, not a binding service guarantee, and we are not liable for delays caused by the Processor, your bank, your card issuer, or factors outside our reasonable control.
5.4. "Secure checkout." Payment card handling and payment processing are performed by PayPal, a third-party payment provider, under PayPal's own security and privacy practices. References to "secure checkout" or payments being "processed securely" mean that we route payments through PayPal's payment infrastructure rather than handling raw card data ourselves; they are a description of that arrangement and are not a warranty that any system is immune from all risk, error, or unauthorized access. We disclaim, to the maximum extent permitted by law, any warranty of uninterrupted or error-free payment processing (see Sections 17–18), without excluding any liability that cannot lawfully be excluded.
5.5. All-in pricing. The price you pay is the price shown at checkout in US dollars, inclusive of any mandatory fees we impose. Applicable taxes (for example, VAT/GST) may be added and displayed where required by law. PayPal, your bank, or your card issuer may apply their own currency-conversion or transaction fees, over which we have no control.
5.6. Right of withdrawal for EU/UK and other eligible consumers (digital content). If you are a consumer in the European Union, the United Kingdom, or another jurisdiction granting a statutory cancellation/withdrawal right for distance and off-premises contracts, you normally have a period (14 days in the EU/UK) to withdraw from a purchase. However, Coins are digital content supplied without a tangible medium. By purchasing Coins and requesting immediate access to them, and by expressly acknowledging at checkout that supply begins immediately, you consent to immediate performance and acknowledge that you thereby lose your statutory right of withdrawal once the Coins are supplied (i.e., credited to your account), to the extent permitted by the EU Consumer Rights Directive, the UK Consumer Contracts Regulations 2013, and equivalent laws. To exercise this waiver, at checkout you must (i) tick a box expressly requesting that supply of the Coins begin immediately, and (ii) tick a separate box acknowledging that you will thereby lose your 14-day right of withdrawal once the Coins are credited. We will send you confirmation of these acknowledgements on a durable medium (email) after purchase. If either acknowledgement is not obtained, or the durable-medium confirmation is not provided, you retain your full statutory withdrawal right and, where the law so provides, no charge is due for Coins already supplied. To the extent Coins have not yet been supplied when you exercise a valid withdrawal right, you may withdraw. Nothing in this Section removes any statutory right that your local law makes non-waivable (see Section 22).
5.7. Accuracy of payment information; authorization. You represent that any payment method you use is yours (or you are authorized to use it), that the information you provide is accurate, and that you authorize the charge. Providing false payment information, using another person's payment method without authorization, or purchasing Coins with the intent to reverse the charge is fraud and a material breach of the Terms.
6.1. What Coins can be used for. Within the Service you may use Coins to tip performers, send animated gifts in live rooms, pin messages via SuperChat, buy concert tickets, and purchase optional Pro, VIP, or Vanguard upgrades (deducted from your Coin balance). Feature availability may vary by jurisdiction, device, account status, and age/identity verification. Battles do not use Coins (see Section 7).
6.2. Spending is final in-Service. When you use Coins on a feature (for example, sending a tip or a gift, or pinning a SuperChat), the Coins are deducted and the action is executed immediately and, except as expressly stated in this Policy or required by law, is not reversible and does not entitle you to a refund. Tips, gifts, and SuperChats are voluntary; see Section 6.4.
6.3. Leaderboards and spending displays. The Service may display leaderboards (for example, "Top Gifters") and similar features that recognize user activity. These are entertainment and community features. They are not an inducement to overspend, and you should spend only what you can afford. We provide, and you should use, any spending-awareness or self-limitation tools we make available. We reserve the right to remove, cap, or adjust any leaderboard or recognition feature.
6.4. Tips, gifts, and SuperChat are voluntary gratuities. Tips, gifts, and SuperChats are voluntary payments made by a fan to recognize or support a performer. They are not payment for any specific good or service, not a purchase of any promised deliverable, and not consideration for a bargained-for exchange. JamStream facilitates the transfer and retains the applicable Platform Fee for providing and operating that facility; the recipient receives the remainder as Earned Coins. Because a gratuity is given voluntarily and no deliverable is promised, tips, gifts, and SuperChats are non-refundable except where a mandatory law requires otherwise (see Sections 14 and 22).
7.1. Battles are free and involve no money or Coins. A "battle" is a free, bragging-rights-only competition in which two performers compete live and the audience reacts. No Coins are staked, escrowed, pooled, wagered, won, transferred, or paid in a battle. There is no entry fee, no pot, no prize pool, and no cash or Coin prize.
7.2. What the winner receives. The winner of a battle earns non-monetary recognition only — such as XP, rank, and clout on the Service. Battles award no Coins and produce no Earned Coins or Cashable Coins.
7.3. No wagering; not gambling. Because battles involve no stake, no wager, and no prize of monetary value, they are non-monetary skill and entertainment competitions and are not a lottery, sweepstakes, contest of chance, or gambling of any kind. Nothing in this Policy offers, promotes, or facilitates any wagering activity.
8.1. Ways to earn. You may earn Earned Coins from tips, gifts, SuperChat, concert-ticket revenue (net of the Platform Fee), and other features we designate. Earned Coins are subject to the maturity, hold, verification, and Payout rules in Section 9 before they can become Cashable Coins. Battles do not produce Earned Coins.
8.2. Promotional Coin grants. We may grant Promotional Coins, including: a welcome grant (e.g., +100 Coins) on account creation or age verification; an additional grant (e.g., +100 Coins) for verifying your phone number; a referral grant (e.g., +100 Coins) for each qualifying friend who joins through your referral link; and streak/milestone grants (e.g., +100 Coins at a day-7 streak). Amounts, eligibility, and availability of promotions may change or end at any time.
8.3. Promotional Coins are not cashable and not income. Promotional Coins are Promotional Coins under Section 3.2. They have no cash value, cannot be withdrawn, and cannot be converted into Cashable Coins or money. Describing Promotional Coins as "free Coins" refers to their in-Service utility only.
8.4. Phone verification and SMS consent. Grants conditioned on phone verification require you to provide a phone number and to receive a verification message. By providing your number for verification you consent to receive the transactional/verification SMS necessary to complete verification, in accordance with our Privacy Policy and applicable telecommunications law (including, in the U.S., the TCPA). Providing your number is voluntary; if you do not wish to provide it, you simply do not receive the phone-verification grant. Message and data rates may apply.
8.5. Referral program. Referral grants are paid only for genuine, qualifying referrals of real, eligible new users. Self-referrals, duplicate accounts, fake accounts, bots, incentivized spam, purchased sign-ups, and any manipulation are prohibited and void any resulting grant. You are responsible for how you share your referral link and must not send unsolicited bulk messages or otherwise violate anti-spam laws (including CAN-SPAM). We may claw back or cancel referral grants obtained in violation of this Section.
8.6. Anti-abuse. We may withhold, reverse, adjust, or forfeit any Promotional Coins or Earned Coins obtained through fraud, error, bug exploitation, collusion, multi-accounting, self-dealing (for example, tipping or gifting yourself through a second account), or any manipulation of the economy. See Section 13.
9.0. A Payout is discretionary creator compensation, not a redemption of anyone's Coins or money. Payouts are made under a discretionary creator-compensation and revenue-share program that JamStream operates for eligible performers. A Payout is compensation that JamStream pays to a performer out of JamStream's own platform revenue in recognition of the performer's activity on the Service. A Payout is not a transfer of any buyer's money to the performer, is not a redemption or cash-out of any buyer's Coins, and does not make JamStream a custodian, holder, or transmitter of any user's funds. The Cashable-Coin balance described in this Policy is the measure JamStream uses to calculate the amount of that discretionary compensation; it is not stored value belonging to the performer and not money held for the performer. JamStream may modify, suspend, or discontinue the creator-compensation program, its rates, thresholds, and terms, on a prospective basis under Section 25, subject to not retroactively reducing the money value of Cashable Coins that have already matured (Section 4.4) and to applicable law. All money paid in a Payout is disbursed by PayPal (or another licensed Processor) out of funds JamStream directs to it; JamStream does not hold, pool, or transmit user funds as principal (see Section 10).
9.1. Only Cashable Coins can be paid out. You may request a Payout only of Cashable Coins — that is, Earned Coins that have satisfied every condition below. Purchased Coins and Promotional Coins can never be paid out. As stated in Section 9.0, a Payout is discretionary creator compensation calculated by reference to your Cashable Coins; it is not a redemption of your Coins for money.
9.2. Maturity hold. Earned Coins are subject to an approximately 14-day hold from the time they are credited before they mature into Cashable Coins. This hold allows time for chargebacks, reversals, fraud review, and dispute resolution on the underlying transactions. Coins that are the subject of a reversed, disputed, refunded, or fraudulent underlying transaction do not mature and may be removed (see Sections 12–13).
9.3. Minimum threshold. The minimum Payout is 15,000 Cashable Coins (approximately US$75.00). You cannot request a routine Payout below this threshold. However, if your Cashable Coin balance is below the minimum when you close your account (or after a reasonable dormancy period), you may request a final payout of your full matured Cashable balance below the threshold, or we will remit it in accordance with applicable unclaimed-property law; we will not use the minimum-payout threshold to permanently withhold validly earned, matured Coins.
9.4. Amount available. The maximum you may withdraw at any time is the lesser of (a) your matured Cashable Coins and (b) your current total Coin balance. If your balance has fallen (for example, because you spent Coins) below your matured-earnings figure, the lower current balance governs.
9.5. Request throttle. You may submit one Payout request per 7 days, and you may have only one open Payout request at a time.
9.6. Identity, phone, and high-value verification. As a condition of any Payout we may require identity verification, a valid PayPal account in your own legal name, and accurate tax information (Section 11). Large withdrawals require phone re-verification. We may require additional verification (including government-ID checks) at any threshold where we deem it necessary for fraud prevention, AML compliance, or sanctions screening (Section 10).
9.7. Review and timing. Payouts are manually reviewed before they are sent. We aim to send approved Payouts within approximately 3 business days of approval. This is a good-faith target, not a guarantee. Actual timing may be longer due to review, verification, holidays, weekends, fraud/AML checks, or delays at PayPal or in the banking system. We are not liable for delays caused by the Processor, your bank, incorrect PayPal details you provide, or factors outside our reasonable control.
9.8. Where we send the money. Approved Payouts are sent to the PayPal account you designate, which must be valid, in good standing, and in your own legal name. Where the name on your PayPal account differs from the name on your JamStream account, we will accept reasonable evidence that the account is genuinely yours (for example, documentation of a legal name change). You are responsible for maintaining accurate PayPal payout details. We are not responsible for funds misdirected because you provided incorrect details, and recovery of misdirected funds is subject to PayPal's processes.
9.9. PayPal is the payout partner and money-transmitter of record. Payouts are executed through PayPal Payouts and are subject to PayPal's user agreement, holds, limits, and availability in your country. PayPal (or another licensed payout partner) is the money-transmitter of record for these disbursements; JamStream provides the software that instructs the transfer and retains its Platform Fee. You must have, and comply with, your own agreement with PayPal. If PayPal is not available to you, we will offer a reasonable alternative payout method where one is lawfully available, or hold your matured Cashable Coins for payout until a method becomes available, and will not forfeit them for that reason.
9.10. Right, not obligation, to review and refuse. We may review, delay, decline, or partially fulfill any Payout request where we reasonably suspect fraud, abuse, error, chargeback exposure, sanctions or AML concerns, breach of the Terms, or unlawful activity, or where required by law. Where we decline a Payout for reasons other than the recipient's own fraud or unlawful conduct, the associated Cashable Coins are, unless we determine otherwise or law requires otherwise, returned to your Cashable balance so you may request again once the issue is resolved.
9.11. Appeals. If a Payout is declined, you may contact [email protected] to ask us to review the decision. We will consider timely, good-faith appeals but do not guarantee any particular outcome. This Section does not create a Payout right beyond the terms of this Policy.
10.1. Our role. JamStream does not itself hold, transmit, or take custody of user funds as a money transmitter. JamStream is not a bank, money transmitter, money services business, payment institution, e-money issuer, or financial institution, and does not provide financial services. With respect to Payouts of Cashable Coins, buyer payments are collected by, and Payouts are disbursed by, PayPal and/or other licensed Processors, who are the money-transmitter/payment-processor of record and with whom you contract directly for these services. PayPal is a licensed money services business that executes all USD movement (both the purchase of Coins and the disbursement of creator compensation via PayPal Payouts) and that performs, as applicable, identity verification (KYC), anti-money-laundering (AML) checks, and tax reporting in connection with those transfers. JamStream provides the software that instructs those transfers and retains its Platform Fee for that service. JamStream is not a bank or deposit-taker. We reserve the right at any time to change Processors, to onboard a licensed payout partner, to require you to contract directly with a Processor, and to restrict or modify payout features by jurisdiction to remain compliant with applicable law.
10.1a. Performers are independent; they are not employees or agents of JamStream. A performer who receives a Payout does so as an independent recipient of discretionary creator compensation. Nothing in this Policy or the operation of the Service creates an employment, agency, partnership, joint-venture, or fiduciary relationship between JamStream and any performer or user. Performers are not employees, workers, contractors-in-fact, or agents of JamStream, are not entitled to any wages, benefits, or fixed compensation, and act on their own account. Because they are independent, performers are solely responsible for their own taxes and for any income reporting arising from Payouts they receive (see Section 11); JamStream and/or PayPal may issue tax forms (for example, an IRS Form 1099-K) where legally required, and may withhold amounts where required by law.
10.2. KYC/AML/CTF. We and our Processors may be required to perform "know-your-customer," anti-money-laundering, and counter-terrorist-financing checks. As a condition of earning at scale and of any Payout, you agree to provide, and to keep current, accurate identity, contact, and tax information, and to cooperate with any verification request. We may suspend or refuse Payouts pending completion of such checks.
10.3. Sanctions screening. You represent that you are not located in, ordinarily resident in, or a national of any country or region subject to comprehensive sanctions, and that you are not a person on any applicable sanctions or denied-parties list (including U.S. OFAC lists, UK and EU sanctions lists). We may screen users and transactions and will refuse, freeze, or reverse Payouts to sanctioned persons or prohibited jurisdictions, as required by law.
10.4. Prohibited use. You may not use Coins, Payouts, tips, gifts, or concerts to launder money, to move funds for third parties, to evade sanctions or currency controls, or for any illegal purpose. We may report suspicious activity to authorities as required or permitted by law.
10.5. Compliant fund flow. Money that funds tips, gifts, SuperChat, and ticket purchases is collected by our licensed Processor, and Payouts are disbursed by that Processor (or a licensed payout partner) directly to the recipient's PayPal account. JamStream's role is limited to operating the software that instructs those transfers and to retaining its Platform Fee; JamStream does not take custody of, pool, or transmit user funds as principal. We maintain this operating structure to remain consistent with applicable payments law, and we will adjust it as required to comply with any applicable regulatory determination.
11.1. You are responsible for your own taxes. Coins you earn and money you receive as Payouts may be taxable income. You are solely responsible for determining, reporting, and paying all taxes (income, self-employment, VAT/GST, or otherwise) arising from your use of the Service and any Payouts you receive. JamStream does not provide tax advice.
11.2. Information reporting (U.S.). JamStream and/or its Processor may be required to report Payouts to the U.S. Internal Revenue Service and to state tax authorities, and to issue an IRS Form 1099 (such as Form 1099-K or Form 1099-NEC, and state equivalents) to U.S. earners over the applicable reporting threshold. Federal 1099-K reporting thresholds are set by law and have changed over time, and many U.S. states impose reporting thresholds below the federal threshold. Reporting thresholds are set by law, differ by form and by state, and change over time, so you may receive an information return even for relatively small amounts. This is not tax advice; consult your own tax adviser about the thresholds that apply to you.
11.3. Tax forms and backup withholding. As a condition of Payout, you must provide a valid, accurate tax form (for example, IRS Form W-9 if you are a U.S. person, or the appropriate Form W-8 series if you are not) and a valid taxpayer identification number where required. If you fail to provide a valid TIN or required tax documentation, we or our Processor may be required to apply 24% U.S. backup withholding (or other legally required withholding) to your Payouts, and/or to delay or refuse Payout until the documentation is provided.
11.4. Non-U.S. users. If you are outside the United States, you are responsible for your own local tax obligations, and additional documentation or withholding may apply under your local law or applicable tax treaties.
11.5. Accuracy. You are responsible for the accuracy of the tax and identity information you provide. Providing false tax information may result in withholding, refusal of Payout, forfeiture, account termination, and reporting to authorities.
12.1. Contact us first. If you believe a Coin purchase or other charge was made in error, contact [email protected] before initiating a chargeback or dispute with PayPal, your bank, or your card issuer. We will try to resolve legitimate issues promptly.
12.2. Effect of a chargeback. A "chargeback" or payment reversal occurs when the payer disputes a charge with PayPal, their bank, or their card issuer. When a chargeback, reversal, or refund occurs on a Coin purchase:
12.3. Wrongful chargebacks. Initiating a chargeback for a purchase you actually made and Coins you actually received, or as a substitute for our refund process, is a breach of the Terms and may be treated as fraud. We reserve the right to contest wrongful chargebacks with evidence, to recover amounts owed (including through collection), and to permanently terminate offending accounts. Nothing in this Section limits any genuine, legally protected right you have to dispute an unauthorized or fraudulent charge.
12.4. Chargeback exposure and holds. Because chargebacks can occur after Earned Coins are credited, the 14-day maturity hold and our review rights (Section 9) exist in part to manage this risk. Earned Coins funded by a payment that is later reversed do not mature and may be removed even after apparent crediting.
13.1. When Coins may be forfeited or adjusted. We may suspend, freeze, reduce, reverse, clawback, or forfeit Coins (including Cashable Coins) and withhold or reverse Payouts, in whole or in part, where we reasonably determine that:
13.2. Proportionality. We will apply forfeiture and adjustment in a manner that is proportionate to the issue and consistent with applicable law. Forfeiture for breach is not intended as an unlawful penalty; it reflects the reversal of value that was not legitimately earned or was funded by reversed payments, and the reasonable costs and losses caused by the conduct.
13.3. Negative balances. If clawbacks or reversals cause your balance to go negative, you must repay the shortfall. We may offset a negative balance against future Coins, earnings, or Payouts.
13.4. No forfeiture of validly matured, undisputed Cashable Coins for trivial reasons. We will not forfeit validly earned, matured, and undisputed Cashable Coins except on the grounds in Section 13.1 or as otherwise permitted or required by law. This Section is not intended to override any non-waivable consumer or stored-value right you may have (see Sections 14 and 22).
13.5. Expiration — Promotional Coins only. Purchased Coins do not expire. Only Promotional Coins may carry an expiration date, and then only to the extent permitted by applicable gift-card, stored-value, and consumer-protection law. Where Promotional Coins are subject to expiration, we disclose the expiration terms when the Promotional Coins are granted. Cashable Coins are not subject to expiration and are handled in accordance with applicable unclaimed-property law (see Section 22).
14.1. General rule for Coin purchases. A Coin purchase is a final sale of a limited license to a digital good. Because Coins are digital content supplied and made available immediately, Coin purchases are non-refundable and non-redeemable for cash by you as the purchaser once the Coins are credited to your account, except (a) where this Policy expressly provides otherwise, (b) where a mandatory law requires a refund, or (c) at our sole discretion as a goodwill gesture (which does not create any obligation to grant future refunds). Nothing in this Section entitles a buyer to convert purchased Coins back into money; the creator-compensation payout in Section 9 is available only to eligible performers for their own Earned Coins.
14.2. Non-refundable items (subject to statutory carve-outs). Except where a mandatory law requires otherwise, the following are non-refundable:
14.3. Refundable / mandatory-refund situations. You are entitled to a refund, or we will provide one, in the following cases:
14.4. How to request a refund. Contact [email protected] with your account details and the transaction in question. We will respond within the timeframe required by applicable law, and otherwise within a reasonable time.
14.5. Form of refund. Where a refund of a Coin purchase is due, we will generally refund to the original payment method via PayPal. Where a refund of a spent-Coin transaction (for example, a concert ticket) is due, the refund is generally made in Coins returned to your balance, unless law requires a money refund.
14.6. No refund abuse. Repeated refund requests, purchase-and-refund cycling, or using refunds to extract value from the economy is prohibited and may result in denial of discretionary refunds, forfeiture, and account termination, without limiting your genuine statutory rights.
15.1. Buying tickets. Fans may buy concert tickets with Coins, either at a single price or in tiered seats with capacity caps, where the host offers them. Like Coins and upgrades, concert tickets are purchased only on the Website (jamstream.live); within the Mobile Apps you may attend concerts you already hold a ticket for, but you cannot buy tickets in-app. You cannot buy a ticket to your own concert. JamStream retains a 30% Platform Fee on concert tickets; the host receives 70% as Earned Coins.
15.2. Host's obligation to perform. A host who sells paid tickets must actually hold the concert substantially as advertised. Selling tickets to a concert the host does not intend to hold, or that never goes live, is a breach of the Terms and may constitute fraud. Ticket revenue credited to a host from a concert that is canceled or never goes live does not mature and is subject to reversal.
15.3. Automatic refunds. If a concert is canceled or a paid concert never goes live, our systems are designed to automatically cancel the event and refund ticket buyers the Coins they paid. We aim to make these refunds reliably and promptly; if an automatic refund fails, contact [email protected] and we will process it.
15.4. Refund retention rules. Where a concert takes place substantially as described, tickets are generally non-refundable. Partial or discretionary refunds may apply where an event is materially different from what was advertised, consistent with applicable event-ticketing consumer law.
15.5. Music rights for ticketed events. A host who charges admission is responsible for holding all licenses required for a commercial, ticketed public performance (and, where the performance is recorded or streamed, for reproduction and synchronization rights). JamStream's 30% Platform Fee is a service fee for operating the ticketing feature; it is not a music-license fee and conveys no music rights. See Section 19.
15.6. Taxes and cross-border sales. Ticket sales may be subject to VAT/GST and other taxes depending on the locations of the host and buyer. Hosts are responsible for their own tax obligations arising from ticket revenue (Section 11).
16.1. What it is. Pro, VIP, and Vanguard are optional recurring upgrades that grant perks (which may include badges, a streak-bonus multiplier, and other benefits). Upgrades are purchased with Coins, deducted from your Coin balance. They are never offered, sold, renewed, or managed inside the Mobile Apps. Coins used to purchase an upgrade are themselves bought with real money via PayPal on the Website only (Section 5).
16.2. Price and billing cycle. The upgrade's Coin price and billing cycle (monthly, unless stated otherwise) are disclosed to you before you upgrade. By upgrading, you authorize the recurring Coin deduction described in this Section.
16.3. Auto-renewal — clear disclosure and consent. Your subscription automatically renews. Unless you turn off auto-renewal or cancel, at the end of each billing period JamStream will automatically renew your upgrade by deducting the then-current price in Coins from your Coin balance, and the upgrade will continue for another billing period, until you cancel. By enabling auto-renewal, you give your affirmative, informed consent to these automatic recurring Coin deductions. This disclosure is provided in a clear and conspicuous manner as required by the U.S. Restore Online Shoppers' Confidence Act (ROSCA), the California Automatic Renewal Law and similar U.S. state laws, and applicable EU/UK subscription rules.
16.4. Renewal reminders. We will send you a renewal reminder at least 7 days before each renewal, by email and/or in-app notification, stating the renewal date, the amount and form of the charge (the Coin price to be deducted), and how to cancel with one click. This is consistent with applicable auto-renewal law, including the California Automatic Renewal Law and New York's automatic-renewal statute (including their "click-to-cancel" requirements).
16.5. Insufficient balance. If your Coin balance is insufficient at renewal time, the automatic renewal will not complete and your upgrade may lapse. You may renew manually or top up your Coin balance (on the Website) to continue.
16.6. Easy cancellation ("click to cancel"). You can cancel auto-renewal at any time, through your account settings using a simple, online cancellation mechanism that is at least as easy to use as the mechanism you used to subscribe. Cancellation stops future renewals. It does not, except where required by law, refund the current billing period, which remains active until the end of that period.
16.7. No refunds of elapsed periods (subject to law). Except where a mandatory law requires otherwise, Coins deducted for an upgrade billing period that has already begun are non-refundable, and canceling mid-period does not entitle you to a pro-rated refund. Your statutory rights (including any EU/UK withdrawal right that has not been validly waived) are unaffected (Sections 5.6, 22).
16.8. Changes to upgrade price. We may change an upgrade's Coin price prospectively on notice under Section 25. Price changes apply only to renewals occurring after the notice period; you may cancel before a price change takes effect.
17.1. Coins are not an investment. Coins are not, and must not be treated as, an investment, security, commodity, currency, or store of wealth. They do not appreciate, do not bear interest, and confer no ownership, equity, or profit interest in JamStream.
17.2. AS-IS. To the maximum extent permitted by law, the Service, the Coin features, and all payment, earning, and payout functionality are provided "as is" and "as available," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, availability, uninterrupted operation, or error-free processing. We do not warrant that features will always be available, that Payouts will always be possible in your jurisdiction, or that any rate or fee will remain unchanged.
17.3. Non-excludable rights preserved. Nothing in this Section 17 excludes or limits any warranty, guarantee, or right that cannot lawfully be excluded or limited under the law applicable to you as a consumer (see Section 22).
18.1. Cap and exclusions. To the maximum extent permitted by law, JamStream's total aggregate liability arising out of or relating to Coins, payments, Payouts, subscriptions, tickets, tips, gifts, and SuperChat shall not exceed the greater of (a) the total amount you paid to JamStream for Coins in the twelve (12) months preceding the event giving rise to the claim, or (b) US$100. To the maximum extent permitted by law, JamStream is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost earnings, lost opportunity, or lost data, arising from the payments features.
18.2. Third-party processors. We are not liable for acts, omissions, delays, fees, holds, limits, or errors of PayPal, banks, card issuers, app marketplaces, or other third parties, over which we have no control.
18.3. Non-excludable liability preserved. Nothing in this Section excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any liability that cannot lawfully be excluded or limited under the law applicable to you as a consumer (see Section 22).
19.1. JamStream conveys no music rights. JamStream is a neutral hosting and communications platform for user-generated live audio/video music content. JamStream does not obtain, grant, provide, or convey any music license of any kind in connection with your use of Coins, tips, gifts, concerts, or battles. No Platform Fee, ticket price, tip, gift, or subscription payment is a music-license fee, and none of them conveys any public-performance, mechanical, synchronization, master-use, or other right in any musical work or sound recording.
19.2. You are responsible for your own licenses. You represent and warrant that you hold all rights, licenses, consents, and permissions necessary for any music you perform, record, stream, or distribute on the Service — including for cover songs, backing tracks, and samples, and, for paid, ticketed concerts, all licenses required for a commercial public performance and (where recorded or streamed) reproduction and synchronization. This Policy does not grant, and must not be relied upon as, any music license.
19.3. DMCA safe harbor and repeat-infringer policy. JamStream operates a notice-and-takedown process under the U.S. Digital Millennium Copyright Act (DMCA) and comparable laws, and maintains a repeat-infringer policy under which we terminate, in appropriate circumstances, the accounts of users who repeatedly infringe. Copyright notices and counter-notices should be sent to our designated agent at [email protected]. Full details are in the Copyright/DMCA policy and the Terms.
Because the Service carries live and user-generated audio, video, and images, we operate a layered safety system. This includes on-device NSFW image and live-video detection (using NSFWJS), perceptual-hash (pHash) matching of images and video frames against known-CSAM hash lists, keyword and toxicity filters on text, and a human review queue for escalated or ambiguous cases. We do not use, and do not represent that we use, Microsoft PhotoDNA. See our Acceptable Use policy for the conduct rules these systems enforce.
JamStream has zero tolerance for child sexual abuse material (CSAM) and child sexual exploitation. Where our systems or human reviewers identify apparent CSAM, we act on it and report it to the National Center for Missing & Exploited Children (NCMEC) as required by U.S. law (including the REPORT Act), preserve associated data for the legally required period, and cooperate with law enforcement. See our Child Safety policy.
The on-device NSFW and safety detection described above processes your live audio and video, including your voice and face, to determine whether content may violate our rules. This processing happens on your device in real time for moderation purposes. Depending on where you live, this analysis may implicate biometric-privacy laws such as the Illinois Biometric Information Privacy Act (BIPA) and the EU General Data Protection Regulation (GDPR). By using live audio/video features you provide your informed consent to this on-device moderation processing of your voice and facial imagery for the safety purposes described here. We do not sell this data, and we do not use it to build a commercial biometric identification profile. See the Privacy Policy for retention and your rights.
21.1. What we collect. In connection with the features in this Policy and the Service generally, we collect: your email address; a verified phone number (stored in restricted, non-public form, encrypted at rest, and not shown to other users; retained in a form that lets us send SMS and re-verify you for payouts and abuse-prevention) where you verify it; your date of birth, used only for age-gating the 18+ Service and stored privately (not publicly displayed); photos and live audio/video you transmit; device information; your IP address; and usage information.
21.2. Who we share it with. We share this data only with the service providers needed to run the Service — principally PayPal (payments and payouts), Google/Firebase (authentication, hosting, and backend), and Cloudflare (delivery, media transport, and security) — under contract and for these purposes. We do not sell your personal data. Full details, legal bases, retention periods, and your rights (including access and deletion) are in the Privacy Policy. You can delete your account at any time via Account Deletion.
22.1. Mandatory rights prevail. Nothing in this Policy removes, limits, or waives any right you have under the mandatory consumer-protection law of your country or state of residence that cannot lawfully be excluded or waived. Where any provision of this Policy conflicts with such a mandatory right, that mandatory right prevails, and the conflicting provision is narrowed to the extent necessary to comply, with the remainder of the Policy staying in force.
22.2. EU/UK consumers. If you are a consumer in the EU or UK, you have rights under, among others, the Consumer Rights Directive, the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, the UK Consumer Rights Act 2015, and the Unfair Contract Terms rules, including remedies for digital content that is faulty, not as described, or not fit for purpose, and, subject to Section 5.6, a right of withdrawal for distance contracts.
22.3. U.S. consumers. If you are a U.S. consumer, you retain all rights under applicable federal and state consumer-protection, automatic-renewal, gift-card/stored-value, and unclaimed-property laws that cannot lawfully be waived.
22.4. Gift-card / stored-value and unclaimed-property laws. To the extent any jurisdiction's gift-card, stored-value, or unclaimed-property (escheatment) law applies to any portion of your Coin balance, we will comply with that law, and this Policy is read consistently with it. Any forfeiture, expiration, or dormancy provision applies only to the extent permitted by such law.
23.1. Binding individual arbitration. Except where prohibited by applicable law, any dispute arising out of or relating to Coins, payments, Payouts, subscriptions, tickets, tips, gifts, or SuperChat will be resolved by binding individual arbitration rather than in court, as set out in the Terms. You and JamStream waive the right to a jury trial.
23.2. Class-action waiver. To the maximum extent permitted by law, you and JamStream agree that claims will be brought only in an individual capacity and not as a plaintiff or class member in any class, collective, or representative proceeding.
23.3. 30-day opt-out. You may opt out of the arbitration agreement and class-action waiver within 30 days after the date you first create your account (your account-creation date, shown in Settings) by sending written notice to [email protected]. A later acceptance of updated Terms does not restart or shorten this 30-day period. We will acknowledge a valid opt-out in writing. Opting out does not affect any other part of your agreement with us. Nothing in this Section waives any right that your local law makes non-waivable.
24.1. If any provision of this Policy is held invalid, unenforceable, overbroad, or unfair by a court or regulator, that provision shall be reformed and narrowed to the minimum extent necessary to make it valid and enforceable, or, if it cannot be so reformed, severed; and the remaining provisions shall continue in full force and effect. The invalidity of one provision does not affect the validity of the rest of this Policy.
25.1. We may update this Policy from time to time. For material changes, we will provide reasonable advance notice (for example, by in-Service notice, email, or posting) before the change takes effect, and, where required by law, will obtain your affirmative consent. Material changes to fees, rates, auto-renewal terms, or Payout terms apply prospectively and do not retroactively reduce the money value of Cashable Coins already matured before the change. Your continued use of the paid features after the effective date of a change constitutes acceptance of the updated Policy, except where applicable law requires separate consent. If you do not agree to a change, you must stop using the affected features and may cancel any subscription.
26.1. Questions or requests relating to this Policy:
26.2. Operator of record. The Service is operated by JamStream Ltd (ג'אמסטרים בע"מ), a company organized under the laws of Israel, company registration number (ח.פ.) 517333407, registered office: Havatselet 6, Kiryat Yam, Israel. For UK/EU/Swiss data-protection matters, JamStream has appointed Prighter Ltd as its GDPR Article 27 representative (with corresponding EU and Swiss representatives appointed via Prighter), reachable through the Prighter portal at https://app.prighter.com/portal/jamstream. This Policy is effective as of July 9, 2026 and supersedes all prior versions.
This Policy forms part of the JamStream Terms of Service and should be read together with the Privacy Policy, the Copyright/DMCA policy, the Acceptable Use policy, and the Child Safety policy.