← BackAUTHORITATIVE VERSION. This page is a convenience copy of JamStream's Coins & Payments Terms provided for your general information. The binding agreement between you and JamStream is the version you affirmatively accepted within the JamStream application or website when you created your Account (and, where applicable, when you made a purchase or accepted updated terms). JamStream maintains the authoritative, most current legal text within the in-app Legal Center. This convenience copy may be updated on a different schedule and may not reflect the most recent amendments; in the event of any conflict, inconsistency, or difference, the version you accepted in the Service — or the then-current authoritative in-Service version — governs and controls, except where mandatory consumer-protection law in your country of residence requires that a specific disclosed term be given effect in your favor.
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 — on our website through PayPal, or inside the mobile apps through Google Play or the Apple App Store — and when another user tips or gifts you, you are credited in United States dollars — not in Coins. No Coin of any kind can ever be withdrawn, redeemed, or converted into money. Coins are bought and spent; the Coins someone spends on you are consumed, and dollars are credited to your Earnings balance instead. Earnings are the only thing JamStream ever pays out, on the monthly schedule in Section 9.3, subject to a minimum balance and to eligibility (see Section 9). 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 paid for with Coins (deducted from your Coin balance) rather than with a separate real-money charge. Coins are the only thing we sell for real money, and there is no charge for access to the Service itself. If you subscribed to the former paid Access Membership before 3 July 2026 and are still being billed for it, that subscription and its cancellation and refund terms are described in the Cancellation & Refund Policy; you may cancel it at any time and it is not required for access. If you buy Coins inside an app, the app store took your payment, so the store handles refunds for it.
Effective date: August 24, 2026 · Version 2026-08-24 · Operator: JamStream Ltd (ג'אמסטרים בע"מ), Israel
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 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) — and who it does not apply to. 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, or within 30 days after your first Coin purchase, whichever is later, by emailing [email protected]. See the Terms for the full arbitration clause.
⚠ If you are a consumer habitually resident in the European Economic Area, the United Kingdom, Israel, or any other country whose law gives you non-excludable consumer rights, the arbitration agreement and the class-action waiver do not apply to you. You keep the protection of the mandatory consumer-protection rules of your country of residence, and you may bring proceedings in the courts of that country. Nothing in this Policy deprives you of that right. Consumers in the EEA may also use the out-of-court dispute-resolution routes described in Section 23.4.
1.1. This Coins, Payments & Refunds Policy (this "Policy") governs the purchase, holding, spending, refund, and forfeiture of JamStream "Coins," the earning and payout of US-dollar Earnings, 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 — one ladder, applied in this order. (i) A mandatory, non-waivable right granted to you by the consumer-protection law of your country or state of residence prevails over every JamStream document (see Section 22). (ii) On a cancellation or refund question, where this Policy, Terms Section 8 and the Cancellation & Refund Policy differ, the term that is more favourable to you as a consumer governs — that is the rule stated in the Cancellation & Refund Policy's introduction, and it applies whether the more favourable term is in that policy or in this one. (iii) Otherwise, on a payments, coins or payout matter, this Policy controls over the Terms to the extent of the conflict, because it is the specialist document on that subject. (iv) On everything else, the Terms govern. JamStream states one ladder rather than a precedence rule per document, and where any other JamStream document states a precedence rule that would give a different answer, this ladder is the one to apply.
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, spend Coins, earn US-dollar Earnings, 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. If you bought Coins while under 18, Section 14.7 explains what happens and how you or your parent or guardian may ask for the money back.
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 (a performer's claim, if any, arises only from the US-dollar Earnings balance described in Section 9, never from a Coin), 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, supplied as a final sale of a limited, revocable license to a digital good. Who sells you the Coins depends on where you buy them. A Coin purchase made on the Website is a sale by JamStream Ltd as seller of record. A Coin purchase made inside a Mobile App is transacted through the app store, which acts as the seller or deemed supplier of record for that purchase in the territories where its terms so provide; JamStream supplies the Coins to your account once the store confirms the transaction. Coins are a limited-license digital feature used to access features 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 creator-compensation payout of Earnings described in Section 9, and even then the payout is compensation paid by JamStream out of its own revenue and calculated by reference to your US dollar Earnings — 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 — through PayPal on the Website, or through Google Play Billing or Apple In-App Purchase inside the Mobile Apps, 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, both sides of the referral bonus — the referee (new-user) welcome bonus and the +100 Coins credited to the referring user under Terms §8.15, streak/milestone Coins, and any Coins we issue as a bonus, credit, goodwill gesture, or marketing promotion (see Section 8). Every Coin in this category is spendable inside JamStream and is never a source of Earnings: it credits US$0.00. There is no carve-out. (Earlier versions of these terms described the referring user's bonus as an earning that credited US$0.375 in Earnings. That was wrong — the Service has never credited Earnings on a referral — and it is corrected here. See the changelog.)
2.4. "Qualifying Support" means a spend of Coins by another user that gives rise to US-dollar Earnings for you — a Tip, a Gift, a SuperChat, a paid song request, a Fan Support subscription or renewal, a Direct Support donation, or a Concert-ticket purchase. The Coins spent are consumed by JamStream in payment for the feature the spender used; they are not transferred to you, and you never receive Coins from another user. What you receive is a US-dollar credit to your Earnings balance, calculated as set out in Section 4.2. The term "Earned Coins" is retired and has no meaning under this Policy. Battles are not Qualifying Support and produce no Earnings (see Section 7).
2.5. "Earnings" means the balance, denominated in United States dollars, credited to a performer when another user spends Coins on them. Earnings are the only thing JamStream ever pays out. The term "Cashable Coins" is retired and has no meaning under this Policy: no Coin of any kind is withdrawable, redeemable, or convertible into money by anyone, at any time. A performer does not receive Coins from a Tip, Gift, SuperChat, song request, subscription, donation, or ticket sale — the Coins spent are consumed, and dollars are credited instead (Terms §8.4b).
2.5a. "Payable" describes Earnings whose funding purchase has cleared the refund window of the channel it was bought on (90 days Apple, 120 days Google Play, 180 days website). Earnings accrue immediately; only payable Earnings can be paid.
2.5b. "Cheers" means the cumulative count of Coins other users have spent on a performer whose spend produced no US-dollar Earnings — support sent with free or promotional Coins. A Coin spend that produces Earnings is counted in the Earnings figure and not in Cheers; each Coin spent on a performer is counted in exactly one of the two. Cheers are a recognition metric only. Cheers have no cash value, are not a balance, are not a currency, and are not a claim against JamStream for anything.
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 payment of a performer's US dollar Earnings to their PayPal account, made at JamStream's discretion on JamStream's own cycle. It is not a withdrawal, redemption, or conversion of Coins, because no Coin is ever redeemable.
2.9. "Platform Fee" means the share of a transaction's nominal Coin value (Coins spent × the Coin Value Rate of US$0.005 per Coin) that JamStream retains, the balance being credited to the recipient as US-dollar Earnings, as stated in Section 4.2. It is a fee for providing and operating the feature the spender used. Where the spender's Coins were bought inside a Mobile App, the app store has already deducted its own commission from that purchase before JamStream received anything; that does not change what the recipient is credited, because the recipient's share is calculated on the nominal Coin value and is the same on every channel.
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. A performer's Earnings have real economic significance — and we say so plainly. We do not pretend that money is uninvolved for everyone. When a fan spends Coins on a performer, the Coins are consumed and the performer is credited with US dollars. Those Earnings entitle an approved performer to be paid creator compensation out of JamStream's own platform revenue, on the terms and subject to the conditions, settlement, 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 a performer's Earnings balance is economically meaningless to that performer, because that would be untrue. But no Coin held by anyone — buyer or performer — is ever redeemable for money, and a buyer's Purchased Coins carry no cash significance whatsoever.
3.4. The buy rate and the crediting rate are different, and we disclose the difference here.
You acknowledge and accept this spread. The amount a buyer pays for Coins and the US-dollar Earnings a recipient is eventually paid 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 Coins into money. Coins and Earnings are two entirely separate balances that never convert into one another in either direction. No Coin can be re-characterized, converted, migrated, or "laundered" into money, and no Coin balance is ever paid out. Only a performer's US dollar Earnings are payable, and only where Section 9 is satisfied. JamStream tracks the provenance of every Coin so that Coins nobody paid for produce $0.00 of Earnings when spent — that is the accounting separation this Section preserves. Earnings may be spent inside the Service (including on Coin packs at retail price), which permanently consumes the dollars applied.
4.1. Purchase rate — what a Coin actually costs you. Coins are sold in packs, and the price per Coin differs between packs. The current Website packs are:
| Pack | Coins | Website price (USD) | Price per Coin |
|---|---|---|---|
| Riff | 240 | $2.99 | ≈ US$0.0125 |
| Flame | 420 | $4.99 | ≈ US$0.0119 |
| Stage | 900 | $9.99 | ≈ US$0.0111 |
| Rockstar | 2,400 | $24.99 | ≈ US$0.0104 |
| Legend | 5,000 | $49.99 | ≈ US$0.0100 |
| God Mode | 10,200 | $99.99 | ≈ US$0.0098 |
So a Coin costs you between roughly US$0.0098 and US$0.0125 depending on which pack you buy — larger packs are cheaper per Coin, which is what descriptors such as "Best Value" or "Most Popular" refer to. Those descriptors are ordinary marketing descriptions and are not a promise of resale value, investment return, or cash-out value. Pack contents and prices may change prospectively on notice under Section 25; the price binding on you is always the one displayed at the moment of purchase. In the Mobile Apps the price is the local price the app store shows you, set per territory by the store, and it will generally not equal the US-dollar figures above (Section 5.1).
Do not confuse this with the crediting rate. The rate at which a performer's Earnings are credited (US$0.005 per Coin of Qualifying Support, before the applicable Platform Fee — Section 4.2 and Terms §8.14) is a different and lower number than the price a fan pays for a Coin. The difference is JamStream's retail margin on the sale of Coins. Section 3.4 works through the arithmetic with a numbered example.
4.1a. Purchase bonus for paid tiers — the table above is the Free-tier price. Holders of a paid upgrade receive additional Coins on every pack they buy, at these rates: Free 0%, Pro +5%, VIP +10%, Vanguard +15% of the pack's face Coins. The money price is unchanged, so a paid-tier holder's effective cost per Coin is lower than the figures in the table above — for a Vanguard holder buying God Mode, 10,200 + 1,530 = 11,730 Coins for US$99.99, about US$0.0085 per Coin. Bonus Coins are free Coins for earnings purposes: when they are spent on a performer the performer is credited US$0.00 (Section 8.3). The bonus may change prospectively under Section 4.4.
4.1b. Reference conversion rate for real-money equivalents. Where the Service or this Policy shows a real-money equivalent beside a price stated in Coins, that equivalent is calculated at the reference rate of US$0.0125 per Coin — the undiscounted cost of a Coin in the smallest pack at the Free tier, which is the highest price any buyer pays. It is deliberately computed without volume discounts and without the purchase bonus in Section 4.1a, and it does not vary with how you acquired your Coins: promotional Coins, bonus Coins and Coins bought in a larger pack do not change an item's stated real-money equivalent. The equivalent is an indication of value for comparison purposes only; the amount actually deducted from your balance is the stated number of Coins, and no money is charged at the moment you spend them.
4.1c. Pack sizes do not land exactly on JamStream's own Coin prices — read this before buying Coins for a specific item. The Website packs are 240, 420, 900, 2,400, 5,000 and 10,200 Coins, and the prices JamStream itself sets include Pro at 2,390 Coins per 30-day cycle, VIP at 4,990, Pro annual at 23,900, VIP annual at 49,900, Vanguard at 99,900, and a paid song request at 99. Each monthly subscription is priced just below a single pack, so one purchase covers it: the 2,400 Rockstar pack covers a 2,390-Coin Pro cycle with 10 Coins left over, and the 5,000 Legend pack covers a 4,990-Coin VIP cycle with 10 Coins left over — funding a monthly cycle from an empty balance never requires a second purchase to bridge a gap. No pack lands exactly on a price, so a small remainder is normal rather than a defect: neither monthly price can be reached exactly by any combination of packs, the annual and Vanguard prices can be assembled exactly but only from several separate purchases (for example, 23,900 = one God Mode + one Legend + one Rockstar + seven Stage packs — ten purchases; ten Rockstar packs, 24,000 Coins, cover the same year with 100 left over in ten purchases), and a 99-Coin song request from an empty balance requires the 240 pack (141 Coins left over). JamStream states this arithmetic rather than leaving you to discover it at the point of purchase, and it states the mitigation that makes the remainder harmless: remainder Coins are not lost — they do not expire (Section 13.5), carry no fee, stay spendable on anything Coin-priced, and count toward your next purchase of anything. The Service does not currently offer an exact-amount top-up, and this Policy does not claim one; if pack sizes or JamStream-set prices are changed to align, that change will be prospective under Section 4.4.
4.2. Platform Fees and what the recipient is credited. Spending Coins pays JamStream for a feature JamStream provides. The Coins are consumed by JamStream and are not transferred to any performer. Separately, JamStream credits the performer in US dollars out of its own funds. JamStream retains the following share of the transaction's nominal Coin value; the remainder is credited to the recipient as US-dollar Earnings, never as Coins. The dollar column states what the recipient is credited per 1,000 Coins spent, at the Coin Value Rate of US$0.005 per Coin:
| Transaction | JamStream retains | Credited to recipient | USD credited per 1,000 Coins spent |
|---|---|---|---|
| Tips | 25% | 75% as USD Earnings | $3.75 |
| Gifts | 25% | 75% as USD Earnings | $3.75 |
| Paid song requests | 25% | 75% as USD Earnings | $3.75 |
| SuperChat (pinned messages) | 50% | 50% as USD Earnings | $2.50 |
| Concert tickets | 30% | Host: 70% as USD Earnings | $3.50 |
| Fan Support (recurring subscriptions) | 15% | Creator: 85% as USD Earnings | $4.25 |
| Direct Support (one-time donations) | 15% | Creator: 85% as USD Earnings | $4.25 |
These shares are the same whichever channel the spender's Coins were bought on. Where the Coins were bought inside a Mobile App, the app store has already deducted its own commission before JamStream received anything; JamStream absorbs that difference and it does not reduce what the recipient is credited. Coins that nobody paid for — promotional and bonus Coins — credit US$0.00 when spent (Section 8.3). Coins returned to you by a refund or cancellation are not in that category: they keep the earning status of the purchase that originally funded them, so if you paid money for them they still credit the recipient in full. They credit US$0.00 only where the funding purchase was itself refunded, voided or charged back. An earlier version of this Section listed refund-returned Coins as free Coins; that was wrong, and Terms §8.14(b-1) states the corrected rule. Where a paid feature has no eligible recipient (for example, a SuperChat sent in your own room), the Coins are consumed for the feature and no Earnings arise for anyone.
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. When we may change prices, rates and shares — and what we may never do. Start with what is fixed. A change never retroactively reduces US dollar Earnings already credited to a performer, never takes back Coins you have already paid for, and never changes the rate or share that applied to a transaction that has already happened — every Earnings entry is stamped with the rate in force when it accrued. The figures binding any transaction are always those published at the moment it occurs, so a change operates only on later transactions.
Subject to that, JamStream may change Coin prices, pack contents, the purchase bonus, the Coin Value Rate, creator shares and Platform Fees, prospectively, for one or more of the following reasons and no others: a change in the fees charged by an app store, a payment processor or a payout partner; a change in taxes, duties or levies applying to the transaction; a change in music-licensing or other third-party content costs; a legal, regulatory or court requirement; a demonstrable change in the cost to JamStream of providing the feature concerned; or the introduction, withdrawal or material redesign of a feature. Where a change reduces a creator share or increases the money price of a Coin pack, JamStream will give reasonable advance notice — at least 30 days in the Service and, where an email address is on file, by email — and an affected consumer may cancel any recurring upgrade or stop using the affected feature before the change takes effect, without penalty. Coins you already hold keep their purchasing power for the categories of item that existed when you bought them, to the extent those items are still offered. We do not guarantee that any rate will remain fixed, and we make no promise that a Coin will buy the same thing indefinitely.
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 "get paid for performing" 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. Coins may be bought in two places, and only these two:
Coins bought through either channel go into the same single balance and are spent identically. Two things do depend on where a Coin came from, and both affect the performer rather than you: promotional and bonus Coins credit a performer US$0.00 when spent (Section 8.3); and the channel a Coin was bought on sets how long the Earnings it produces take to become payable to that performer — 90 days for Apple, 120 days for Google Play, 180 days for the Website (Sections 2.5a and 9.2). Coins are spent oldest-first.
5.2. What is sold in-app, and what is not. The only thing sold for real money inside the Mobile Apps is Coins, as consumable Coin packs. Subscriptions (Pro, VIP), Vanguard, concert tickets, Fan Support, tips, gifts, and SuperChat are priced in Coins and paid for out of your existing Coin balance wherever you are — they are not separate store purchases and do not charge a card, bank account, or store account. Where this Policy is read inside a Mobile App, its description of Website purchasing is informational; JamStream does not link to or steer you toward the Website purchase route inside the apps except where the applicable app-store rules permit it.
5.2a. In-app purchases: who to go to. For a Coin purchase made inside a Mobile App, the app store took your payment, so refunds, billing disputes, payment-method problems, and family/parental purchase controls are handled by that store under its own process and timescales. What JamStream itself can do differs by store: Apple permits no developer-initiated refund of an App Store charge — only Apple can make one; Google Play does let a developer refund an order, and JamStream will issue a Play refund itself where this Policy or your statutory rights entitle you to one. JamStream will not oppose a refund a store decides to grant, and whoever took the payment, where money is owed to you under this Policy or under mandatory law, JamStream can and will pay you directly, in money — a store's refusal does not extinguish JamStream's own obligation (Terms §8.2c). If a store refunds an in-app Coin purchase, JamStream removes the Coins that purchase funded from your balance and voids any performer Earnings it funded (Sections 12 and 13). Where you have already spent some or all of those Coins, JamStream recovers what is left — your Coin balance is never driven below zero — and records the shortfall as an outstanding amount, which may be set off against future Coin grants, bonuses or purchases. Repeated buy-then-refund activity may result in suspension of the ability to buy Coins (Section 14.6). Contact [email protected] if Coins do not appear after a completed store purchase — that part is ours to fix.
5.3. Processing and timing. Website Coin purchases are processed by PayPal; in-app Coin purchases are processed by Google Play or Apple. We aim to credit Purchased Coins to your account promptly, and Coins typically appear in your balance shortly after the processor or store confirms your payment. We do not guarantee instantaneous crediting. Crediting depends on that 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 to you at the point of purchase, inclusive of any mandatory fees we impose — in US dollars on the Website, and in your store's local currency in the Mobile Apps. Nothing is added to that figure at checkout by JamStream on either channel. PayPal, an app store, your bank, or your card issuer may apply their own currency-conversion or transaction fees, over which we have no control and which are charged by them, not by us.
5.5a. Taxes on your purchase — who accounts for them. This subsection is about tax on buying Coins. Tax on Earnings and Payouts is dealt with separately in Section 11.
If you are buying as a business rather than as a consumer and need a tax invoice, contact [email protected] for a Website purchase, or the relevant app store for an in-app purchase.
5.6. Right of withdrawal — EU/EEA and UK consumers. This Section states the position for a purchase of Coins. It is written so that it is true of the Service as built.
Consumers elsewhere. If your local law gives you a cancellation, withdrawal or regret right that this Section does not describe, that right applies and is not waived (Sections 22.1, 22.2a and 22.2b).
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, subscribe to a creator via Fan Support (recurring), send a one-time Direct Support contribution to a creator, 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. JamStream does not currently offer a self-service spending limit, a cooling-off timer, or a periodic spending summary. Your transaction history is visible in your account, and every Coin spend is recorded there. There is, however, a manual route, and it is stated here rather than left in the Terms alone: you may write to [email protected] and ask JamStream to restrict or suspend purchasing on your account. JamStream will respond within 5 business days and will suspend the account on request where that is what you want; a restriction applied on request today is applied by hand and may take the form of a suspension rather than a per-amount cap. Asking is not an admission of anything (Terms §8.1a(b)). If we add self-service spending-awareness or self-limitation tools we will describe them here. We reserve the right to remove, cap, or adjust any leaderboard or recognition feature.
6.4. Two different kinds of spend, with two different answers.
6.5. What things cost in Coins — and what that is in money. The real-money column is calculated at the reference rate in Section 4.1b (US$0.0125 per Coin) and is an indication for comparison only; the amount deducted is the Coin figure. Prices set by JamStream:
| Item | Price in Coins | ≈ real money (reference rate) |
|---|---|---|
| JamStream Pro — per 30 days | 2,390 | ≈ US$29.88 |
| JamStream Pro — annual (per 365 days) | 23,900 | ≈ US$298.75 |
| JamStream VIP — per 30 days | 4,990 | ≈ US$62.38 |
| JamStream VIP — annual (per 365 days) | 49,900 | ≈ US$623.75 |
| Vanguard — one-time, never renews | 99,900 | ≈ US$1,248.75 |
| Paid song request | 99 | ≈ US$1.24 |
These are the same figures as Terms §8.12(b), computed at the same reference rate. The reference rate is published in one place only — Section 4.1b, US$0.0125 per Coin — and every real-money equivalent in any JamStream document is computed from it.
Prices set by the performer or host, within these bounds:
| Item | Range in Coins | ≈ real money (reference rate) |
|---|---|---|
| Concert ticket, per tier (up to several tiers per concert) | 0 – 300,000 | free – ≈ US$3,750 |
| Fan Support, per tier per 30 days (up to 5 tiers per creator) | 100 – 100,000 | ≈ US$1.25 – ≈ US$1,250 |
Tips, Gifts, SuperChat and Direct Support are priced by you at the moment you send them, within the limits shown on the relevant surface. Some single purchases on this page are large — a top-tier concert ticket or Vanguard can represent well over a thousand US dollars of Coins. The exact Coin price of any item is displayed to you before you confirm it, and JamStream-set prices may change prospectively under Sections 4.4 and 25.
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. Coin stakes were removed platform-wide on 9 July 2026, and no battle created since that date involves any stake of any kind; the only route that could ever create one is disabled at its first line, and direct writes are independently blocked.
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 Earnings.
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 — and you earn dollars, never Coins. You earn from Tips, Gifts, SuperChat, paid song requests, Fan Support subscriptions and renewals, Direct Support donations, Concert-ticket revenue, and any other feature we designate. In every one of those cases the Coins the fan spends are consumed and you receive no Coins at all; you are credited in US dollars at the rate and creator share published in Terms §8.4b. Earnings are subject to the settlement, eligibility, approval, and payment rules in Section 9 before they can be paid. Battles produce no Earnings — they are for recognition only, and nothing is staked, wagered, won, or paid out.
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). We also grant a purchase bonus to holders of a paid upgrade — Free 0%, Pro +5%, VIP +10%, Vanguard +15% of the face Coins of every pack bought (Section 4.1a). Amounts, eligibility, and availability of promotions may change or end prospectively at any time; a change never removes Coins already granted to you.
8.3. Promotional Coins generate no income for anyone. Promotional Coins are Promotional Coins under Section 3.2. They have no cash value and cannot be converted into money — but neither can any other Coin, so the point that matters here is different: when a fan spends Promotional or free Coins on a performer, the performer earns $0.00. Nobody paid for those Coins, so there is no money to share. The performer still receives the Cheer and the recognition. This applies to welcome Coins, phone-verification Coins, both sides of the referral bonus (the referee welcome bonus and the +100 Coins credited to the referring user under Terms §8.15), daily streak and engagement rewards, milestone bonuses, promotional grants, administrator awards, and the tier purchase bonus in Sections 4.1a and 8.2. Nobody paid money for those Coins, so there is no money to share. There is no exception to that rule.
8.3a. Coins returned to you by a refund or a cancelled Concert. Where Coins are returned to your balance because a Concert was cancelled, a ticket was refunded, or a charge was reversed, those Coins are returned in the same character they had before — they do not become promotional Coins, and they are not subject to expiry. Because the Coins spent on the original transaction were consumed and the Earnings they produced have been voided, a Coin returned in this way credits US$0.00 of Earnings when it is spent again, so that the same money is not shared twice. This is an accounting rule about Earnings, not a reduction of what you may buy with the Coin.
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 any US-dollar Earnings, 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 JamStream's own creator compensation, not a redemption of anyone's Coins or money. Payouts are made under a 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 USD Earnings balance described in this Policy is the measure JamStream uses to calculate the amount of that compensation; it is not stored value belonging to the performer and not money held for the performer, and no Coin held by anyone is redeemable for it. JamStream may modify, suspend, or discontinue the creator-compensation program, its rates, thresholds, eligibility criteria, cadence, and terms on a prospective basis under Terms §23.5 and Section 4.4, for the reasons and on the notice stated in Section 4.4. Two limits apply in every case: a change never retroactively reduces USD Earnings already credited to a performer (Terms §23.5(g)); and if the program is discontinued altogether, Earnings that have already been credited and settled remain payable on the terms in force when they accrued, and JamStream will give at least 60 days' notice before the program ends so that an eligible performer can be paid. 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).
9.0a. When the entitlement stops being contingent and becomes a debt. Section 9.0 describes what an Earnings balance is — a measure, not a fund held for you. It is not a statement that JamStream can decide never to pay a performer who has done everything this Policy asks of them, and it must not be read as one. Stated exactly:
Nothing in this Section makes JamStream a custodian, holder, or transmitter of any user's funds. A debt owed by a company to a person for services is not held money, and the two characterisations are consistent. ⚠ Read this together with Terms §8.14(f): no performer has yet been approved for payment — the identity step is completed manually with JamStream as part of the first-payment contact (Sections 9.6 and 9.8), an in-Service verification flow is not yet built, and that step has not yet been completed for anyone — so no Earnings balance has yet crossed into the second bullet above. JamStream says that plainly rather than describing a payment history that does not exist.
9.1. Coins are never paid out. Dollars are. No Coin of any kind — purchased, earned, or promotional — is ever converted into money or paid to anyone. When another user spends Coins on you, those Coins are consumed and you are credited with US dollars ("Earnings") at the rate published in Terms §8.4b. A Payout pays your USD Earnings balance. Earnings arise only from paid Coins another user spent on you; Coins you bought, and Promotional or free Coins anyone spent, produce $0.00 (Terms §8.14(b) and §8.14(r)). There is no carve-out — the referral bonus under Terms §8.15 is Coins only and produces $0.00 in Earnings.
9.2. Settlement, not a fixed hold. For Tips, Gifts, SuperChat, paid song requests, Fan Support subscriptions and renewals, and Direct Support donations, Earnings are credited immediately and are visible to you at once, but become payable only after the purchase that funded them has passed the refund window of the channel the buyer used: 90 days (Apple App Store), 120 days (Google Play), or 180 days (website). This replaces the former fixed 14-day maturity hold. The period is set by how long the store or payment provider can still reverse the payment, not by our preference. If the funding transaction is reversed, disputed, refunded, or found fraudulent, the Earnings it produced are voided, and if already paid become a debt recoverable by offset against future Earnings (Terms §8.14(e), and Sections 12–13).
9.2a. Concert tickets are credited only after the Concert. Ticket proceeds are held from the moment of sale and are not Earnings while held — you cannot see them as Earnings, spend them, or be paid them. After the Concert has taken place they are released into your Earnings balance, where you can see them. They become payable only once the buyer's funding purchase has also cleared the refund window of the channel it was bought on (Section 2.5a), and until then they cannot be spent or paid. If the Concert is cancelled, refunded, or found not to have been delivered, the held share is voided and never released. A host cannot profit from a Concert that does not happen. ⚠ Release is not payment: after a Concert the money moves into your Earnings balance, and from there it is still subject to approval, the minimum payment amount, debt offset, and JamStream's own periodic payment cycle under Terms §8.14. Performing a Concert does not cause money to be sent to your PayPal account immediately afterwards, or at any guaranteed time. The controlling statement of this rule is Terms §8.5.
9.3. Minimum payment, maximum payment, and cycle. JamStream pays approved performers monthly, by PayPal: a payment of payable Earnings is initiated within 30 days of the end of the calendar month in which the Earnings became payable, withheld or delayed only on the closed grounds in Sections 9.5, 9.10 and 10, or — for no longer than a force-majeure event under Terms §23.6 actually prevents payment by any commercially reasonable means, the clock being paused and not reset — under the sentence at the end of this Section. That is the whole list, and there is no request, no queue, and no button, because the schedule does not depend on one. This is the same schedule as Terms §8.14(i) and Acceptable Use Policy §11.4. The minimum payment is currently US$75.00 of payable Earnings after any debt has been offset: JamStream does not normally initiate a payment below that figure, and amounts below it stay in your balance and roll forward. No single payment will exceed US$100,000; a larger balance is paid across successive payments. Neither figure is a cap on what you may accrue. Force majeure never cancels this debt: under Terms §23.6, an event beyond JamStream's reasonable control can delay a payment only while it actually prevents payment by any commercially reasonable means — the schedule's clock is paused, not reset, and payment is made as soon as a commercially reasonable route exists. Earnings accrue no interest while held in accordance with this Policy — and that sentence waives nothing: it does not reduce or exclude any interest a law imposes on JamStream for paying later than this Section and Terms §8.14 commit.
9.3a. Small balances, closing your account, and dormancy. If your payable Earnings balance is below the minimum, you may ask us to make a final payment of the full balance by emailing [email protected] from the address on your account. Ask before you close or delete your account: once the account is deleted the payment cannot be made through the normal route, because payment is made against a live account record. We will acknowledge such a request within 14 days and, if it is approved, pay it in the ordinary way. We will not use the minimum to permanently withhold validly earned, settled Earnings. Where an account has been inactive for 12 consecutive months and carries settled Earnings, we will attempt to contact you at the email address on file before doing anything with the balance — and before any closure of an account carrying settled Earnings completes, we also attempt contact by SMS where a verified phone number is on file — every performer approved for payment has one, though Earnings can accrue before approval, so a number may not yet exist — and we will deal with the balance in accordance with any applicable unclaimed-property law (Section 22.4 and Terms §8.14(x)). An estate claim never runs through this Section's living-performer machinery: on a performer's death, Section 13.9 and Terms §23.9c(d) provide a dedicated estate path, and the minimum does not apply to an estate payment. The minimum, the maximum, and the schedule may change prospectively under Section 4.4 and Terms §23.5.
9.4. Your Coin balance is irrelevant to your Earnings. Earnings and Coins are two separate balances that never interact. Spending your Coins does not reduce your Earnings, and holding Coins does not increase them. (The former rule capping a payout at your current Coin balance no longer exists, because Earnings are no longer measured in Coins.) You may spend your Earnings on Coin packs at ordinary retail price, which permanently consumes the dollars applied and they can never afterwards be paid to you (Terms §8.14(h)).
9.5. Approval for payment — how it is decided. Accruing Earnings does not by itself entitle you to receive them in money; a performer becomes payable only once JamStream approves them. JamStream shortlists candidates automatically against published, objective criteria — live hours, distinct qualified listeners, distinct tippers, concentration of your largest tipper, account age, phone verification, identity verified with JamStream (a government identity document, checked and recorded as part of the first-payment contact under Sections 9.6 and 9.8), a clean enforcement record, and a verified country of residence in a jurisdiction where JamStream can lawfully pay you (verified at the same first-payment contact; Section 10.3 and Terms §8.14(f) criterion 9) — set out in full with their current thresholds in Terms §8.14(f). Those nine criteria and their thresholds are published and applied consistently. The first eight are the automated shortlist — the only automated filter; the ninth, lawful-payout residence, is verified by a person at the first-payment contact (Section 9.6), and until it has been verified it is treated as not satisfied. "A clean enforcement record" means two things and only two things, and it is the same test as Terms §8.14(f) criterion 8 and Acceptable Use Policy §9.7.1b: no live account restriction (a permanent ban, or a suspension that has not yet expired), and no unresolved moderator warning issued in the last 12 months. A chat or DM strike that has not led to a suspension does not block payment, even though it is called a strike.
⚠ Read this before you rely on being paid — no performer has yet been approved for payment. An earlier version of this Section listed only seven criteria and said that any criterion in Terms §8.14(f) which did not appear here was not applied. That was wrong. The identity criterion is criterion 7 of Terms §8.14(f) and it is applied by the shortlisting code. JamStream does not yet operate an in-Service identity-verification flow — there is no screen in the Service where you can submit a government identity document. The identity step is instead completed manually, directly with JamStream, as part of the first-payment contact described in Section 9.8, and it is recorded against your account only when that step has actually been completed. Because that has not yet happened for anyone, the automated shortlist currently surfaces nobody and no performer has yet been approved or paid. JamStream states this plainly rather than presenting a payment history that does not exist. The practical consequences are set out in full in Terms §8.14(f) and §8.14(h) and are not repeated here; in summary, your Earnings still accrue and are still yours, you may realise them today by applying them to Coin packs (irreversibly), and once approval has actually happened for you, payment follows the Section 9.3 monthly schedule. Until you have been told you are approved, do not spend money, perform, or make plans on the assumption of a payment date. Final approval, where the shortlist is passed, is a human decision.
Approval may be declined or deferred only on one or more of the following grounds: a published criterion in Terms §8.14(f) is not met; identity, sanctions or anti-money-laundering verification has not been completed or has failed (Sections 9.6 and 10); there is unresolved fraud, collusion, chargeback or refund exposure on the account; there is a material, unremedied breach of the Terms or the Acceptable Use Policy; or a law, court order or regulator requires it. We will tell you which ground applies, unless telling you would itself breach a law or compromise a fraud or AML investigation. If you are not approved, your Earnings are not cancelled, reduced, or hidden: you keep them, they keep accruing, they are not extinguished by the refusal, and you may spend them in-Service (Terms §8.14(g)). You may appeal under Section 9.11.
9.6. Identity, phone, and high-value verification. Before approving or making any payment, and at any amount, JamStream may require: verification of your identity, including government-issued identity documents; a PayPal account in your own legal name; confirmation or re-verification of your phone number; any tax information a law requires; and, where the law of your country of residence makes the lawful characterization of payments to performers depend on the performer operating as a registered independent business, evidence of that registration (such as a business-registration or independent-contractor registration number). These are conditions we may impose case by case for fraud prevention, anti-money-laundering compliance and sanctions screening (Section 10) — they are reserved rights, exercised where we consider them necessary, not automatic checks that run on every payment. One check is not case-by-case: before your first payment, and periodically thereafter, we screen your name and verified country of residence against the applicable sanctions lists and the excluded jurisdictions in Section 10.3 — every payment is already reviewed by a person before it is sent (Section 9.7), and this screening is part of that review. We may withhold a payment until a verification we have asked for is completed.
9.7. Review and timing. Payments are reviewed by a person before they are sent, and are sent by hand rather than by an automated batch. Review happens inside the Section 9.3 schedule: a payment is taken past that schedule only where a ground in Section 9.5, 9.10 or 10 applies, or where a force-majeure event under Terms §23.6 actually prevents payment by any commercially reasonable means (Section 9.3), and we will tell you if a payment is being held for a reason we can disclose. Once a payment is sent, the time it takes to arrive depends on PayPal and the banking system, and we are not liable for delays caused by the Processor, your bank, incorrect payout details you have given us, or factors outside our reasonable control.
9.8. Where we send the money. Payments are made to a PayPal account belonging to you, which must be valid, in good standing, and in your own legal name. There is currently no field in the Service for you to enter payout details. Before your first payment, JamStream will contact you at the email address on your account to obtain and confirm the PayPal address to pay, and will confirm it with you again if it changes. 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) — but only where the country of the PayPal account matches your verified country of residence: a payout account in a third country under another name is not accepted, because that pattern is how payment restrictions are evaded (Section 10.3). If a payment is misdirected because of details you confirmed to us that were wrong, recovery is subject to PayPal's processes and we will help you pursue it; if it is misdirected because of our error, we will make it good.
9.9. PayPal is the payout method. Payouts are executed through PayPal and are subject to PayPal's user agreement, holds, limits, and availability in your country. A Payout is JamStream paying its own obligation, from its own funds, using PayPal — a licensed payment provider — as its payment method; JamStream makes no representation about any third party's regulatory status (an earlier version of this Section described PayPal as the "money-transmitter of record" for these disbursements — that characterised another company's regulatory position, which is not JamStream's to state, and it is withdrawn; Copyright Policy §12.6 and Acceptable Use Policy §11.5 record the same correction). 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 Earnings until a method becomes available, and will not forfeit them for that reason — except that this sentence never applies where paying you is prohibited: where a sanctions or trading-with-enemy law applicable to JamStream or its processors prohibits payment to you, no alternative method will be offered or sought, and the balance is dealt with under Section 10.3, not under this Section.
9.10. Right, not obligation, to review and refuse. We may review, delay, decline, or partially fulfil any payment 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 payment for reasons other than the recipient's own fraud or unlawful conduct, the associated Earnings remain in your Earnings balance — they are not forfeited — and become payable on a later cycle once the issue is resolved. Two qualifications. First, where the reason is that a sanctions or trading-with-enemy law prohibits paying you, the balance is blocked under Section 10.3 — it is neither forfeited to JamStream nor a debt payable on demand or "on a later cycle"; it is dealt with only as that law requires or directs, and misrepresenting your location or residence to circumvent those restrictions is itself unlawful or breaching conduct of yours (Terms §10.2). Second, a decline or suspension of your payment eligibility is never a way for JamStream to keep selling your Concert tickets while owing you nothing: where we suspend your payment eligibility on any ground other than suspected fraud in the origin of the earnings themselves, Terms §8.5 gives you the election — pause new ticket sales, or continue sales with the held proceeds accruing to you unaffected — and we tell you the ground and ask for your election before your next scheduled Concert.
9.11. Appeals. If approval or a payment is declined, or if Coins or Earnings are forfeited under Section 13, you may contact [email protected] to ask us to review the decision. The timings are the ones published in Terms §15.4 and they are the only ones JamStream publishes: we aim to acknowledge within 2 business days, and to decide an appeal against a suspension or ban currently in force within 7 days and any other appeal within 14 days — those two are targets. We will acknowledge every appeal within 14 days and give a reasoned answer within 30 days — those two are commitments — unless a law or an ongoing investigation prevents it, in which case we will say so within that period. The review is carried out by a person. We will consider timely, good-faith appeals but do not guarantee any particular outcome. This Section does not create a payment right beyond the terms of this Policy, and does not affect any right you have to go to a court or an out-of-court dispute body instead (Sections 22 and 23).
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. The website Coin sale is processed by PayPal as JamStream's payment processor; in-app purchases are made through Apple or Google under the store's own billing system; and a Payout is JamStream paying its own obligation, from its own funds, using PayPal — a licensed payment provider — as its payment method, under your own agreement with PayPal. No user's funds pass through JamStream to any other user. JamStream makes no representation about any third party's regulatory status or statutory duties — an earlier version of this Section described the Processors as "the money-transmitter/payment-processor of record" and asserted what KYC, AML, and tax-reporting functions PayPal performs; those were characterisations of other companies' legal positions, which are not JamStream's to make, and they are withdrawn (Copyright Policy §12.6 and Acceptable Use Policy §11.5 record the same correction). 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 the revenue-share compensation described in Section 9.0 and Terms §8.14. 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); whether PayPal issues tax forms or applies withholding for amounts it processes is governed by PayPal's own legal position and its own terms, on which JamStream makes no representation. JamStream has not to date issued any tax form; where a law requires JamStream to collect tax documentation or to file a return in connection with a Payout, it will do so as part of the payout-approval contact (Sections 9.6 and 11.6).
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 and Israeli trading-with-enemy law. You represent that you are not located in and not ordinarily resident in 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) — the residency limb turns on where you are and where you live, never on your citizenship alone (Terms §22.18 states why). You additionally represent that you are not ordinarily resident in a state or territory designated an enemy state under Israel's Trading with the Enemy Ordinance, 1939 — currently including Iran, Syria, and Lebanon — because JamStream, as an Israeli company, is prohibited by criminal law from commercial or financial dealings with residents of those states, independently of any sanctions list. We may screen users and transactions and will refuse, freeze, or reverse Payouts to sanctioned persons or prohibited jurisdictions, as required by law. Where a balance is owed to a person we determine to be resident in such an enemy state, or to whom payment is prohibited by applicable sanctions law, the balance is not paid, not spendable in the Service, and not refunded: it is blocked and dealt with only as the applicable law requires or directs — under Israeli law, including any direction of the competent authority under the Ordinance (such as the Custodian of Enemy Property) — payment or transfer as so directed discharges JamStream's obligation to that extent, and the balance is not forfeited to JamStream's own benefit. Terms §22.18 states the same rule.
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 the tax on what you earn. This Section is about tax on Earnings and Payouts. Tax on buying Coins is dealt with in Section 5.5a; on every channel the total quoted to you at checkout is the total you pay, and any consumption tax JamStream must account for sits inside that quoted total, never on top of it. Money you receive as a Payout, and Earnings you spend inside the Service, may be taxable income to you. You are solely responsible for determining, reporting, and paying all taxes arising from your earning activity on the Service and from any Payout you receive — including income tax, self-employment or social-security contributions, and any VAT or GST chargeable on the services you supply as a performer. JamStream does not provide tax advice.
11.2. Information reporting (U.S.) — stated as JamStream's practice, not as a conclusion about anyone else. JamStream has not to date issued Form 1099-K, Form 1099-NEC, or any other IRS information return. An earlier version of this Section asserted that PayPal, as a third-party settlement organization, was "the party responsible" for U.S. information reporting on Payouts; that was a conclusion about another company's statutory position that JamStream should not have been making, and it is withdrawn (Copyright Policy §12.5 and Acceptable Use Policy §11.5 state the same correction). What JamStream commits to instead is in Terms §8.14(k): before its first payment to a U.S. person it will either obtain the processor's written confirmation that the disbursement is inside the processor's own information reporting, or collect the required documentation (Form W-9 / the W-8 series) at the payout-approval contact (Section 9.6) and file what the law requires of it. Reporting thresholds are set by law, differ by form and by state, and change over time. Nothing in this Section is a determination of your tax position or tax advice. Consult your own tax adviser about the thresholds and the forms that apply to you.
11.3. Tax forms and backup withholding. JamStream does not currently collect IRS Form W-9, the Form W-8 series (including Form W-8BEN), taxpayer identification numbers, or other tax documentation from you, and applies no backup withholding today — but this is a statement of current practice, not a promise never to ask: where a law requires documentation, an identification number, or withholding in connection with a Payout, JamStream will collect and apply it as part of the payout-approval contact (Sections 9.6, 11.3a and 11.6, and Terms §8.14(k) and (l-1)). PayPal may also, independently, require tax information and may apply legally required withholding (such as U.S. backup withholding) under its own processes and agreements with you before releasing funds; you are responsible for providing PayPal with the accurate information it requests.
11.3a. Withholding at source — Earnings are stated gross. Every USD figure in this Policy is stated gross. Where JamStream, or a Processor acting for it, is required by the law of any jurisdiction to deduct or withhold tax or another levy from a Payout to you — including under Israeli law, JamStream being an Israeli company making payments for services — JamStream pays you the net amount after that deduction, accounts for the deducted amount to the relevant authority, and on request gives you a certificate or statement of the amount withheld and the authority it was paid to. JamStream will apply any reduced rate or exemption available under an applicable double-taxation treaty or exemption certificate where you supply the documentation that authority requires, and will tell you what is needed. JamStream does not gross up: a lawful deduction actually made and actually remitted discharges the corresponding part of the amount owed to you, and paying the net is not a failure to pay. JamStream may not deduct anything that is not required by law and remitted. This Section states the same rule as Terms §8.14(l-1). It does not change Section 11.3: as at the Effective Date JamStream applies no withholding of its own, and any withholding today is PayPal's under its own processes.
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 (Section 11.3a).
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.
11.6. Platform tax reporting — EU DAC7. Where you are resident in an EU Member State and earn consideration on the Service, EU law (Council Directive (EU) 2021/514, "DAC7") requires platform operators — including operators established outside the EU — to register with the tax administration of one Member State, to collect and verify your identification details, including your name, address, date of birth, and tax identification number, to report your identity and your earnings annually to that tax administration (which exchanges the report with the Member State where you are resident), and to give you a copy of what is reported. Stated honestly: JamStream has not yet completed a DAC7 registration in any Member State. JamStream will not make a first payment to an EU-resident performer before that registration and the associated identification collection are in place; the DAC7 data is collected at the same payout-approval contact as everything else in Sections 9.6 and 9.8, and the Privacy Policy states the legal basis (Art. 6(1)(c)) and gives notice of the reporting. Nothing in Sections 10.1a, 11.2, or 11.3 is a promise not to collect what DAC7 requires — where the duty applies, the collection and the report are legal obligations, not options.
12.1. Talk to us first if you can. If you believe a Coin purchase or other charge was made in error, we can usually sort it out faster than a dispute can — please contact [email protected]. This is an invitation, not a condition. Nothing in this Policy requires you to contact JamStream before exercising a right you have with your bank, card issuer, PayPal or an app store, and doing so is never itself a breach of the Terms.
12.2. Effect of a chargeback or refund — stated plainly. A "chargeback" or payment reversal occurs when the payer disputes a charge with PayPal, their bank, their card issuer, or an app store, or when a store refunds a purchase. When that happens on a Coin purchase, this is what the Service does:
If your Earnings were voided or reduced by someone else's chargeback and you believe that is wrong, tell us at [email protected] and we will review it under Section 9.11. Where the reversal was itself an error, we restore the Earnings.
12.3. Dishonest chargebacks. Nothing in this Policy limits any right you have to dispute a charge with your bank, card issuer, PayPal or an app store, and raising a dispute is never itself a breach of the Terms. What is a breach is dishonesty: initiating a chargeback on a purchase you knowingly authorised and whose Coins you received and spent, or buying Coins with the intention of reversing the charge. Where that happens we may contest the dispute with evidence, recover amounts owed, and suspend or terminate the account. A request by a parent or guardian about a purchase made by a person under 18 is never treated as a dishonest chargeback (Section 14.7). If you are unsure whether your claim is a good one, that is not dishonesty — ask us.
12.4. Why settlement windows exist. A payment can be reversed for months after the Coins were spent, which is why Earnings become payable only once the purchase that funded them has cleared the refund window of the channel the buyer used — 90, 120 or 180 days as set out in Sections 2.5a and 9.2 — and why Section 9 reserves review rights. Earnings funded by a payment that is later reversed are voided even after they have appeared in your balance, and even after they have settled. There is no fixed 14-day maturity hold; that model was retired and replaced by per-channel settlement.
13.1. When Coins or Earnings may be forfeited or adjusted. We may suspend, freeze, reduce, reverse, clawback, or forfeit Coins and US dollar Earnings, and withhold or reverse payments, 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. Shortfalls and outstanding amounts. A Coin balance is never made negative. Where a clawback or reversal cannot be fully recovered from the Coins still in an account, the unrecovered part is recorded as an outstanding amount against that account. Where the shortfall arises from your own purchase, conduct, or breach, you must make it good, and we may recover it by set-off against future Coins, Earnings, or payments, or by other lawful means. Where the shortfall arises from a third party's chargeback or reversal and you acted in good faith, recovery is by set-off against your future Earnings only — we will not demand payment from you, will not treat you as owing JamStream money, and will not refer the amount for collection (Section 12.2). If you believe an amount has been recorded against you wrongly, Section 9.11 applies.
13.4. No forfeiture of validly settled, undisputed Earnings for trivial reasons. We will not forfeit validly earned, settled, and undisputed US dollar Earnings except on the grounds in Section 13.1 or as otherwise permitted or required by law, and any forfeiture is subject to the appeal in Section 9.11. 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. Coins do not expire for as long as your Account remains open. That applies to Purchased Coins, to the tier purchase bonus in Sections 4.1a and 8.2, and to Coins returned to you by a refund or a cancelled Concert — all of which derive from a paid transaction. The only Coins that may ever carry an expiry date are free promotional grants that were never part of a purchase, and then only where the expiry is disclosed to you at the moment the grant is made and only to the extent applicable gift-card, stored-value and consumer-protection law permits. Nothing happens to Coins merely because time passes. Earnings are not subject to expiration. Any consequence of prolonged inactivity attaches to the account, after notice to the address on file and with the opportunity to return, and is dealt with in Sections 9.3a and 22.4 — not to the balance on the passage of time.
13.6. If you close or delete your own account. Unspent Coins are lost when your account is deleted. They are a licence to use a feature inside the Service, and the licence ends with the account; they are not refunded in money and cannot be moved to another account. Settled Earnings should be claimed before you delete — see Section 9.3a, and ask us first, because payment is made against a live account record. Deletion is your choice and is not a penalty; this Section exists so that the consequence is stated before you make it, and the deletion flow in the Service should say the same thing.
13.7. If we terminate your account for breach. Where we terminate for a breach of the Terms or this Policy, unspent Coins and unpaid Earnings are suspended, not immediately forfeited, and you may appeal under Section 9.11. They are forfeited only if the appeal fails, or if the termination is for fraud, payment abuse, collusion, manipulation of the economy, or conduct that a law requires us to act on — in which case forfeiture may be immediate. Forfeiture is applied proportionately (Section 13.2) and we will tell you the ground relied on.
13.8. If we discontinue the Service or a paid feature. If JamStream decides to close the Service, or to withdraw a feature that Coins can be spent on, we will give at least 60 days' notice in the Service and, where an email address is on file, by email; we will keep the Service open for spending during that period; and at the end of it, for consumers, we will refund in money the amount paid for Coins that remain unspent and that were bought with money, in proportion to the price actually paid for them, to the original payment method where that is possible or by another reasonable method where it is not. Free, promotional and bonus Coins carry no money value and are not refunded. Settled Earnings remain payable under Section 9.0. For Coins bought inside a Mobile App, the refund is routed through the relevant store where the store's rules require it, and where the store does not or cannot make it, we pay it directly by PayPal or another reasonable method — the store's process does not extinguish our own commitment (Terms §8.6(c)). This Section does not apply to an ordinary, prospective change to prices or features under Section 4.4. A store's removal or suspension of a JamStream application is not a discontinuation of the Service or a withdrawal of a paid feature: balances, Earnings, subscriptions and statuses live on JamStream's servers and remain fully usable at jamstream.live (Terms §20.1).
13.9. Death of an account holder. A JamStream account is personal and cannot be transferred, and Coins, being a licence to use a feature, end with the account, subject to Terms §23.9c(e) where the applicable succession law provides otherwise. Settled US-dollar Earnings are different: they may be claimed by the estate, through the dedicated estate path in Terms §23.9c(d) — not through the living-performer approval machine. The estate claim does not depend on the deceased's approval status, phone verification, identity verification, or a PayPal account in the deceased's name (Section 9.0a). What we require is proof of death, proof of entitlement — a grant of probate or letters of administration, a small-estate affidavit or equivalent summary procedure where the deceased's domicile provides one, an Israeli succession or probate order (צו ירושה / צו קיום צוואה), or a foreign equivalent such as an Erbschein — and fraud, sanctions and anti-money-laundering screening of the claimant. Payment goes to the claimant's PayPal account or, where that is not possible, by another reasonable method including bank transfer to the estate's account, without the Section 9.3 minimum, as a final payment of the full balance. Before completing a deceased-user closure we check the ledger and tell the requester about any settled balance, and closure never prejudices the estate's claim (Terms §23.9c(b)). Write to [email protected]; we will acknowledge within 14 days and explain what is needed. We will close or memorialise the account as the representative asks and as our Privacy Policy permits.
14.0. Start here: who handles your refund depends on where you bought.
Wherever you bought, your non-waivable statutory rights are unaffected and are set out in 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). The most important of those exceptions are real and are set out in this Policy, not buried in it: the 14-day withdrawal right for EEA and UK consumers over unspent Coins (Section 5.6); Israeli cancellation rights (Section 22.2a); the Brazilian right of regret (Section 22.2b); purchases made by a person under 18 (Section 14.7); and discontinuation of the Service (Section 13.8). Outside those cases, nothing in this Section entitles a buyer to convert purchased Coins back into money; the creator compensation in Section 9 is available only to eligible performers, in respect of their own US-dollar Earnings, and never in respect of 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. For a transactional problem — a charge you did not make, Coins that never arrived, a duplicate charge, a withdrawal or cancellation notice, or a feature you paid for that did not work — write to [email protected] with your account details and the transaction in question. For a dispute about this Policy, an appeal, or a statutory-rights question, write to [email protected]. Either address will do and we will route it internally. We will acknowledge your request within 14 days and answer it within the timeframe your local law requires, and otherwise within a reasonable time. For a Coin purchase made inside a Mobile App, see Section 14.0 — the store, not JamStream, operates that refund process.
14.5. What form a refund takes — and when you can insist on money. Where we refund a Coin purchase (money you paid us), we refund to the original payment method — via PayPal for a Website purchase, and through the store for an in-app purchase. Where we put right a spent-Coin transaction (for example a concert ticket, a SuperChat that did not pin, or an upgrade that did not activate), our usual remedy is to re-supply the feature or return the Coins to your balance, which is normally the fastest outcome for you. That is an offer, not a limit. Where the law applicable to you as a consumer gives you a right to a price reduction or a refund for digital content or a digital service that is faulty, not as described, or not supplied — which the UK Consumer Rights Act 2015 (including section 33(3), covering items bought with a currency you purchased with money) and Directive (EU) 2019/770 both do — you may require that remedy in money instead of in Coins, and we will pay it in money to the original payment method. Tell us which you want. Nothing in this Section requires you to accept Coins in place of a money remedy the law gives you.
14.6. No refund abuse. Asking for a refund is not abuse, and asking more than once is not abuse. Your statutory rights are unaffected by this Section and asserting them is never a breach. What is prohibited is buy-then-refund cycling and the use of refunds to extract value from the economy — for example, buying Coins, spending them, and then obtaining a refund of the purchase. That may result in denial of discretionary (goodwill) refunds, suspension of the ability to buy Coins, forfeiture under Section 13, and account termination.
14.7. Purchases by a person under 18. The Service is 18+ and JamStream does not knowingly accept payment from anyone under 18 (Section 1.3). If we discover that an account holder is under 18, we close the account and access ends.
14.8. Where a refund cannot lawfully be paid to you. Where a sanctions or trading-with-enemy law applicable to JamStream or its processors prohibits paying a refund to you — including because of your location, residence, or listing — the amount is not paid and not forfeited: it is dealt with under the blocked-balance rule in Section 10.3 and Terms §22.18, and JamStream will pay it if and when it lawfully can. A refund initiated by Apple or Google through the store's own refund system is that store's process under its own compliance obligations and is unaffected by this Section. This Section qualifies every refund commitment in this Policy, including Sections 13.8 and 13.9 and the discontinuation and change-of-terms refunds, to the extent — and only to the extent — that paying would be unlawful.
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. Tickets are priced in Coins and paid for out of your existing Coin balance — buying a ticket is not a separate real-money charge and is not a store purchase, wherever you do it. The host sets the price of each tier, within the bounds published in Section 6.5; a top tier can represent a large amount of real money, and the Coin price and its real-money equivalent are shown to you before you confirm. You cannot buy a ticket to your own concert. JamStream retains a 30% Platform Fee on concert tickets; the host is credited the remaining 70% as US-dollar Earnings, never as Coins (Section 4.2). The Coins the buyer spends are consumed by JamStream in payment for the ticketing feature and are not transferred to the host.
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. Where a concert is cancelled or never goes live, the host's share is voided and never released into their Earnings balance (Section 9.2a), and Earnings already released remain subject to reversal if the buyer's funding purchase is reversed (Section 12.2).
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 — the gross Coins, including the Platform Fee — to their Coin balance. We aim to make these refunds reliably and promptly; if an automatic refund fails, contact [email protected] and we will process it. Where your local consumer law entitles you to a refund in money rather than in Coins, you may require that instead (Sections 14.5 and 22).
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 — not to the buyer, and not to the host. JamStream does not represent that any licence it holds extends to a ticketed, paid performance; a paid live stream is priced and licensed separately by collecting societies, and Section 19 states what JamStream holds and what it does not. Selling tickets to a performance of material you do not have the rights to perform commercially is your risk, not JamStream's, and it may take the performance outside anything JamStream holds.
15.6. Taxes on ticket revenue. A ticket is bought with Coins already in the buyer's balance, so no money changes hands at the moment a ticket is sold. JamStream treats the money purchase of the Coins (Section 5.5a) as the transaction on which any consumption tax on the sale falls due, and does not treat the later spend of those Coins on a ticket as a separate taxable purchase by the buyer. That is a statement of JamStream's practice, not a determination of any tax authority: where the law of a jurisdiction characterises the Coin spend differently — for example, where a voucher or stored-value rule fixes the tax point at the moment of spending rather than the moment of purchase — the supply taxed at that later point is JamStream's supply of admission, so JamStream accounts for that tax; it is never added to the buyer's price and never deducted from the host's stated share. This mirrors, and is to be read consistently with, Terms of Service Section 8.18(b). What a host receives is a credit of US-dollar Earnings, and any tax on that — income tax, self-employment or social-security contributions, and any VAT or GST chargeable on the services the host supplies — is the host's own responsibility (Section 11). As at the Effective Date JamStream applies no withholding of its own on a host's Earnings and has issued no tax form; where a law requires JamStream to withhold, to collect tax documentation, or to file a return, Sections 11.2, 11.3, 11.3a and 11.6 govern.
16.1. What it is. Pro and VIP are optional recurring upgrades that grant perks (which may include badges, a streak-bonus multiplier, and other benefits). Vanguard is a one-time, non-recurring purchase — it is not a subscription and does not auto-renew (see Terms Section 8.19); the auto-renewal provisions of this Section 16 (Sections 16.2 through 16.8) do not apply to Vanguard, no further Coins are ever drawn for Vanguard after the initial purchase, and there is nothing to cancel. Upgrades are purchased with Coins, deducted from your Coin balance, so an upgrade is never a store subscription and is not managed by Apple or Google. Coins used to purchase an upgrade are themselves bought with real money, either on the Website via PayPal or in-app through the app store (Section 5).
16.2. Price and billing cycle. The upgrade's Coin price and billing cycle are disclosed to you before you upgrade. Recurring upgrades renew every 30 days unless you have chosen an annual plan, which renews every 365 days. A 30-day cycle is not a calendar month: it produces about 12.2 renewals in a year rather than 12. The current Coin prices are published in Section 6.5. 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, every 30 days (or every 365 days on an annual plan) 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 cycle, 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 notices. For every upgrade, JamStream discloses the renewal date and the Coin price before you subscribe, keeps that renewal date and the one-click cancellation control visible in the upgrade panel while the subscription is active, sends you a confirmation immediately after each renewal identifying the upgrade that renewed and when the next renewal falls due, records the exact number of Coins drawn in your in-account transaction history at the moment of the deduction, and sends you an advance in-app warning whenever your Coin balance is short of the upcoming renewal so you can top up or cancel first. JamStream also sends an advance fixed-interval reminder before every renewal, once per billing cycle: between 15 and 45 days before an annual (365-day) renewal, and between 3 and 7 days before every 30-day renewal. The advance reminder is an in-app notification, delivered as a push notification to any device on which you have allowed notifications — renewal reminders are not sent by email or SMS — and it states the upgrade that is renewing, the renewal date, the Coin price that will be drawn, and the in-app cancellation control; a Fan Support subscription receives the same advance reminder before each of its 30-day renewals, sent to the paying fan. This does not limit any reminder or notice required by mandatory auto-renewal law that applies to you — including the California Automatic Renewal Law and New York's automatic-renewal statute, and their "click-to-cancel" requirements — which apply by force of law and are not waived here. If a renewal was charged to you without a reminder your local mandatory law required, contact [email protected] and JamStream will cancel that renewal and return the Coins drawn for it to your balance. (Terms Section 8.17(f) states the same commitment.)
16.5. Not enough Coins at renewal. If you do not have enough Coins at renewal time, the automatic renewal will not complete and your upgrade may lapse. No debt arises and nothing is charged to a card or store account. You may renew manually, or add Coins to your balance, 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 cycle that has already begun are non-refundable, and cancelling mid-cycle does not entitle you to a pro-rated refund. Your statutory rights are unaffected and are not waived — in particular the EEA/UK 14-day right of withdrawal, both over the Coin purchase itself (Section 5.6) and over the activation of the upgrade: Article 16(m) of the Consumer Rights Directive would allow the latter to be lost, but only on a genuine express request for immediate supply together with a separate acknowledgement of the loss of the right, and the Service does not presently ask for either at activation, so JamStream does not treat it as waived (Terms §8.17(g) and §8.19 say the same). Also unaffected: the Israeli cancellation rights that apply to a continuing transaction, under which an Israeli consumer may cancel at any time with effect going forward and any cancellation fee is capped (Section 22.2a), and the Brazilian right of regret (Section 22.2b). Where one of those applies to you, it overrides this Section (Sections 1.2 and 22.1).
16.8. Changes to upgrade price. We may change an upgrade's Coin price prospectively only, and only for one or more of the reasons listed in Section 4.4. We will give at least 30 days' prior notice in the Service and, where an email address is on file, by email, before an increase takes effect. A price change applies only to renewals occurring after that notice period, never to a cycle already paid for, and you may cancel at any time before it takes effect. This 30-day notice commitment is not displaced by Section 4.4 or Section 25.1, which govern other changes.
16.9. Moving to a higher tier mid-cycle — pro-rated, not stacked. If you activate a higher-priced upgrade (for example, VIP) while a lower-priced one (for example, Pro) is still running, the unused whole days of your current cycle are not forfeited and are not carried over day-for-day. Their Coin value at your current tier's price is credited toward the new tier at the new tier's price, rounded down to whole days, and added to the full period you are buying. Because the higher tier costs more per day, the same unused time buys proportionally fewer days of it. You pay the new tier's full price at activation; no Coins are refunded and no period is charged twice. The credit is shown to you before you confirm. The same treatment applies to longer-cycle (for example, annual) plans, with one exception, stated here rather than left for you to discover: if you hold an annual Pro plan that has not yet expired, the Service will not let you move to VIP mid-term. Your options are to let the annual plan run to its expiry and choose VIP then, or to turn auto-renewal off now and switch when it lapses; waiting costs you nothing. Terms §8.17(m) and the Cancellation & Refund Policy §2 state the same exception. Vanguard is a one-time permanent status and cannot be exchanged for or converted into a Pro or VIP subscription. Full terms: Terms Section 8.17(m).
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.
17.1a. Your statutory rights — read this before the disclaimer that follows. Things you buy with Coins are digital content or digital services supplied for a price, because the Coins were bought with money. That means JamStream is responsible to you if what you bought is faulty, not as described, or not fit for its purpose, and you are entitled to the remedies your consumer law gives you — repair or re-supply, and where the law provides it, a price reduction or a refund in money (Section 14.5). Under Directive (EU) 2019/770 that responsibility cannot be excluded by contract; under the UK Consumer Rights Act 2015, section 33(3) brings items bought with a purchased virtual currency inside the same protection. Nothing in Sections 17 or 18 excludes, limits or qualifies any of that, and Sections 17.2 and 18.1 are to be read subject to this Section.
17.2. AS-IS — subject to Section 17.1a. Subject always to Section 17.1a and to Section 22, and 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. This Section allocates risk for matters outside the statutory conformity obligations described in Section 17.1a; it does not cut them down.
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 Sections 17.1a and 22).
18.1. Cap and exclusions. Subject always to Sections 17.1a, 18.3 and 22, and 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 greatest of (a) the total amount you paid to JamStream for Coins in the twelve (12) months preceding the event giving rise to the claim; (b) the amount you actually paid for the transaction or item the claim is about, so that this cap can never be less than the price of the thing complained of; or (c) US$500. 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. This cap does not apply at all to a refund, price reduction or other remedy that a mandatory consumer law entitles you to — those are paid in full regardless of it.
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. What JamStream is, and what it does not give you. JamStream provides virtual instruments, rooms, live streaming and an audience; it does not select, commission or curate the musical works its users choose to perform. How the law characterises that role is for the law to decide, and in some countries the operator of a service like JamStream may itself be treated as performing or communicating a work — so the way this Policy allocates responsibility between you and JamStream does not determine either party's position against a rightholder. What is certain is this: JamStream does not grant, provide, or convey any music license of any kind to you in connection with your use of Coins, tips, gifts, concerts, or battles. No payment of any kind — no Coin purchase, Platform Fee, ticket price, tip, gift, SuperChat, song request, or subscription — 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, to anyone.
19.1a. What JamStream itself holds — stated as at the effective date at the top of this Policy. So that you are not left to guess, this is JamStream's own licensing position on that date:
None of the above flows through to you. A licence held by JamStream is JamStream's, and it grants you nothing.
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.
19.2a. Earning money changes your position — please read this if you take tips or sell tickets. Two things people commonly get wrong, and both can leave a performer personally exposed:
This is a factual correction, not a threat: we would rather you knew before you monetised a performance than afterwards.
19.3. Copyright notices, takedown, and repeat infringers. JamStream operates a notice-and-takedown process in accordance with the U.S. Digital Millennium Copyright Act, 17 U.S.C. §512, and comparable laws elsewhere, and maintains a repeat-infringer policy under which we terminate, in appropriate circumstances, the accounts of users who repeatedly infringe. That policy is applied identically regardless of whether an account holds a paid subscription, has purchased Coins, has an Earnings balance, or hosts ticketed concerts; no account is exempted or given a higher strike threshold because it generates revenue. Copyright notices and counter-notices should be sent to our designated agent at [email protected]. Full details, including the counter-notice procedure and the appeal route, are in the Copyright/DMCA policy and the Terms, which control.
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), known-CSAM hash matching of uploaded images through the Microsoft PhotoDNA Cloud Service, AI image classification by Sightengine, keyword filters on text, and a human review queue for escalated or ambiguous cases. Server-side image scanning applies to uploaded images (profile photos and concert covers); live video is screened on your own device only. See our Acceptable Use policy for the conduct rules these systems enforce and the Privacy Policy for the full sub-processor list.
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 runs locally on your own device in real time and returns only content-safety flags or scores for moderation purposes; it does not transmit your session video frames to JamStream's servers for that purpose. JamStream does not create voiceprints or use voice recognition to identify you by your voice, and does not capture or store biometric voice or face templates. Live media is carried over encrypted connections and is relayed through JamStream's third-party media infrastructure rather than sent directly between participants. The controlling statement of what JamStream records, retains, shares and deletes — including any replay or recording capability and its retention period — is the Privacy Policy, not this Policy. Read it before you perform. This Section is included here only because Section 21 describes the data involved in payments; it is not intended to add to, qualify, or restate the Privacy Policy, and if the two differ the Privacy Policy governs on privacy matters.
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 with the service providers needed to run the Service, under contract and for the purposes shown. As at 18 August 2026 they are, principally:
We do not sell your personal data. This list is accurate as at the date shown and is a summary — the Privacy Policy carries the full, current recipient and sub-processor list and controls, together with legal bases, retention periods, international-transfer mechanisms, and your rights (including access and deletion). You can delete your account at any time via Account Deletion; before you do, read Section 13.6 and Section 9.3a, because deletion has consequences for unspent Coins and unpaid Earnings.
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/EEA and UK consumers — your rights, and the information we owe you before you buy. If you are a consumer habitually resident in the EEA or the UK, you have rights under, among others, Directive 2011/83/EU (the Consumer Rights Directive) and the UK Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013; Directive (EU) 2019/770 on contracts for the supply of digital content and digital services; the UK Consumer Rights Act 2015, including section 33(3), under which digital content bought with a virtual currency that you originally purchased with money falls inside the Act's digital-content chapter; and the unfair-contract-terms rules. Those rights are not excluded or limited by anything in this Policy.
Itemised pre-contract disclosure for EEA and UK consumers. As the itemised information we owe you before you are bound:
22.2a. Israeli consumers. Israeli residents have cancellation rights under Israeli Consumer Protection Law 5741-1981. JamStream complies with Israeli Consumer Protection Law requirements for pre-contract disclosure, cancellation rights, and the prohibition on misleading commercial practices. As an itemized pre-contract point-of-sale disclosure, JamStream discloses to Israeli consumers before purchase: (i) the identity of the seller — ג'אמסטרים בע"מ (JAMSTREAM LTD), ח.פ. 517333407, Havatselet 6, Kiryat Yam, Israel; (ii) the total price payable including VAT (see Section 5.5); (iii) the essential features of the Coins or subscription purchased; and (iv) the cancellation terms, method, and any cancellation fee. Where an Israeli resident exercises a distance-sale or continuing-transaction cancellation right, any cancellation fee deducted will not exceed the lower of 5% of the transaction value or 100 NIS (Consumer Protection Law 5741-1981 §§ 14C–14E and the Consumer Protection (Cancellation of a Transaction) Regulations, 5771-2010), and the Coins or fees will be re-credited or refunded accordingly. To exercise these rights, contact [email protected] within the statutory period.
How to exercise the Israeli right, and what we will do. Give notice in any clear form — by email to [email protected] or [email protected], or by post to the registered office in Section 26.2 — stating your account email or username and what you are cancelling. We will acknowledge within 14 days and give effect to the cancellation within the period the law requires. For a continuing transaction — a Pro or VIP subscription, or Fan Support — you may cancel at any time and the cancellation takes effect going forward; the flat statements in Sections 14.1, 14.2, 16.6 and 16.7 that an elapsed period is non-refundable do not override this Section (Sections 1.2 and 22.1). Where the cancellation entitles you to money back rather than Coins, Section 14.5 applies.
22.2b. Brazilian consumers (CDC Art. 49). Where JamStream serves consumers in Brazil, a consumer who buys at a distance has a 7-day right of regret under Article 49 of the Consumer Defense Code (Lei 8.078/1990), counted from the date of the contract or from receipt, whichever is later. This right is not conditional on anything and JamStream does not ask you to waive it; a term purporting to waive or reduce it would in any event be null under Article 51. To exercise it, write to [email protected] within 7 days of purchase. We will refund the amount paid for Coins from that purchase which remain unspent when you give notice, in money, to the original payment method. For a purchase made inside a Mobile App the store took your payment, so the store's process is the route (Section 14.0), and we will not oppose a refund it grants.
22.2c. Model withdrawal form (EEA and UK). You do not have to use this form — any clear statement will do (Section 5.6) — but you may. Complete it and send it to us:
To: JamStream Ltd, Havatselet 6, Kiryat Yam, Israel — [email protected]
I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract for the sale of the following goods (*) / for the supply of the following service (*):
(*) Delete as appropriate.
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. Dormancy, gift-card / stored-value and unclaimed-property laws. Coins do not expire and nothing happens to your Coins because time passes (Section 13.5). Where an account has been inactive for 12 consecutive months, we may write to the address on file — that is a contact trigger, the same one as Section 9.3a. Closure itself happens only under Terms §15.1b: 36 consecutive months of inactivity, 60 days' written notice stating your balance, and — where the account carries settled Earnings or purchased unspent Coins — an SMS attempt where a verified phone number is on file as well. This Section does not create an earlier closure power, and where an earlier version of it read as one, Terms §15.1b prevails. If an inactivity closure completes, purchased unspent Coins are refunded in money under Terms §8.6(d), free Coins end with the account (Terms §8.6(d) and §15.1b), and settled Earnings are held, not extinguished (Section 9.3a and Terms §8.14(x) — which also states, honestly, that no automated escheat machinery yet exists). To the extent any jurisdiction's gift-card, stored-value, or unclaimed-property (escheatment) law applies to any portion of your Coin balance or your Earnings balance, we will comply with that law and this Policy is read consistently with it; any forfeiture, expiration, or dormancy provision applies only so far as that law permits, and where it requires a balance to be remitted to a state or other authority rather than forfeited, that is what we will do, performing the owner-contact due diligence that law requires first.
23.0. Who this Section does not apply to — read this first. If you are a consumer habitually resident in the European Economic Area, the United Kingdom, Israel, or any other country whose law gives you non-excludable consumer rights, the arbitration agreement in Section 23.1 and the class-action waiver in Section 23.2 do not apply to you. You keep the protection of the mandatory consumer-protection rules of your country of residence, and you may bring proceedings in the courts of that country. This is stated as a positive carve-out, not as a saving clause: nothing later in this Section cuts it down.
23.1. Binding individual arbitration. Except where Section 23.0 applies and 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. Where this Section applies, you and JamStream waive the right to a jury trial.
23.2. Class-action waiver. Except where Section 23.0 applies, and 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. These provisions do not apply wherever local law makes them unenforceable.
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, or within 30 days after your first Coin purchase, whichever is later (your profile card in the Service shows the month and year you joined; it does not show the exact date and neither does Settings, so if you need the date itself, ask us and we will tell you), by sending written notice to [email protected]. A later acceptance of updated Terms does not restart or shorten this period. We will acknowledge a valid opt-out in writing. Opting out does not affect any other part of your agreement with us, and it is not a breach. Nothing in this Section waives any right that your local law makes non-waivable.
23.4. Complaints and out-of-court dispute resolution. Whoever you are and wherever you live, please raise a problem with us first if you can — [email protected] for a transactional problem, [email protected] for anything else. We will acknowledge a complaint within 14 days and give a reasoned answer within 30 days unless a law or an ongoing investigation prevents it, in which case we will say so. That is an invitation and not a precondition: you may go to a court, an ombudsman, or a consumer authority at any time without contacting us first (Section 12.1). Consumers in the EEA may refer a dispute to a competent alternative dispute resolution body in their country of residence, and to the national consumer authority or European Consumer Centre for their country. Consumers in the UK may contact Citizens Advice or the relevant trading-standards service. Consumers in Israel may contact the Consumer Protection and Fair Trade Authority. JamStream is not currently signed up to any single sectoral ADR scheme and does not represent that any particular body will accept a dispute against it; where a body we are obliged to use is designated in the future, we will name it here.
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 at any time, with immediate effect and without advance notice, as provided in Terms §23.5. How that works in practice, stated exactly. The Service's re-acceptance gate compares the published version of the Terms and of the Privacy Policy against the versions recorded on your Account (Terms §23.5(c-1)). This Policy does not carry a version number that the Service records, so a change made to this Policy alone does not present you with an acceptance prompt. Where JamStream wants a change here to be affirmatively accepted, it publishes it together with an incremented version of the Terms. Otherwise the change binds you prospectively only, from its stated effective date, and never retroactively. Changes to Coin prices, the Coin Value Rate, creator shares, fees, auto-renewal terms, and payment terms apply prospectively only — the figures binding any transaction are those published at the moment it occurs — and never retroactively reduce US dollar Earnings already credited to you or take back Coins you have already paid for.
25.2. Two things this Section does not override. Nothing in Section 25.1 displaces (a) the closed list of reasons and the 30 days' advance notice that Section 4.4 requires before JamStream reduces a creator share or increases the money price of a Coin pack, or (b) the 30 days' advance notice that Section 16.8 requires before an increase in the Coin price of a recurring upgrade takes effect. Those notice commitments are given because a change to the economics of something you have already bought, or already subscribed to, is different from a change to the wording of a policy — and because automatic-renewal law in several jurisdictions requires advance notice of a price increase. Section 25.1's re-acceptance mechanism is how we handle changes to this document; it is not a substitute for those notices.
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 August 24, 2026, matching the version date shown at the top of this document, and supersedes all prior versions.
Related policies: Terms · Privacy Policy · Copyright/DMCA · Coins & Payments · Acceptable Use · Child Safety · Account Deletion.