Terms and Conditions

01Acceptance

What this is and what you are accepting

These Terms and Conditions are the contract between you and Talkip, S.A. de C.V. ("Talkip", "we", "us") for the use of the Talkip application and the talkip.app website.

By creating an account, you accept these terms and our Privacy Notice. If you do not agree with anything written here, do not use Talkip.

02What Talkip is

A platform that connects — not a conversation service

Talkip is a marketplace where a person opens a booth, sets a topic, a price and a duration; and another person calls it and pays for that block of time.

Talkip is solely the technological intermediary. We do not provide the conversation service, we do not take part in the calls, we do not supervise them, and we are not a party to the agreement between the person who calls and the person who answers.

Booth owners are independent individuals: they are not employees, partners or representatives of Talkip. Each one decides what to talk about, how much to charge and when to be available. Talkip does not guarantee the quality, truthfulness, usefulness or outcome of any conversation.

03Who can use Talkip

Account requirements

• You must be at least 18 years old. Talkip is not available to minors under any circumstances.
• Your profile information must be real. You may not impersonate another person or use someone else's photo, name or identity.
• Your account is personal and non-transferable. You may not sell, lend or assign it.
• You are responsible for what happens in your account and for keeping secure the access to the email you sign in with.
• Certain booth names and usernames (registered trademarks, misleading or offensive terms) are reserved and cannot be used. If you set one, it will be reverted.

To open a booth that receives paid calls, you must connect a payout account with our payment processor, which verifies your identity and that you are of legal age. Until that account is enabled, your booth is not shown to other users and cannot go live.

04How calls work

Blocks of time, not loose minutes

Each booth defines a block: a fixed duration (5, 10, 15 or 20 minutes) and a fixed price for that block. When you call, you purchase that complete block, not loose minutes. Free booths always last 5 minutes.

Grace window

When the call connects, you have 25 seconds to hang up without any charge. It exists for cases where the connection fails, you can't hear anything, or you immediately realize the booth is not what you were looking for. After that window, the full block is charged.

Who ends the call

Rating

When a call ends, the app asks you to rate it. Ratings are visible on the booth and help other users decide. A rating of 4 or 5 stars confirms the charge immediately; a low rating lets you report a problem (section 06).

Calls depend on your internet connection and the other person's. Talkip does not guarantee that every call will connect, nor the audio quality.

05Prices and charges

What it costs and how it is charged

The price of each block is freely set by the booth owner, in their local currency, above the minimums the platform sets for each duration. You always see the price and duration before calling.

You are charged in your own currency. If the booth's currency is different from yours, the price is converted at our payment processor's exchange rate, which includes its currency conversion fee, and the app shows you the approximate amount before you call. Your bank may additionally apply its own fees, over which Talkip has no control.

Before the phone rings, the amount of the block is authorized on your payment method. Your bank may ask you to confirm the operation (3D Secure). That amount is charged only if the call takes place and is chargeable under section 04; otherwise the authorization is released.

The charge is not captured the moment the call ends. It is captured up to 24 hours later, or immediately if you rate the call 4 or 5 stars. If you report a problem, it stays on hold until the review is resolved.

Payments are processed through our payment processor. Talkip does not store your card details.

06Reports and refunds

The other person's time was already given

Once a call has taken place, there are no refunds for dissatisfaction. The creator set aside and delivered their time, and that time cannot be given back. Specifically, no refund is given when:

• The conversation did not meet your expectations or you didn't like it.
• You disagreed with the other person's opinions or information.
• You hung up before the block you purchased ran out.
• You forgot to end the call and the time ran out.

Before purchasing, you have tools to decide: the price and duration in plain sight, the booth's description and topic, its intro audio or video, and other users' ratings. And once the call starts, you have 25 seconds to leave at no cost.

Reporting a problem

If something went wrong with the call itself, you can report it when rating, or from your call history within 48 hours. Reasons include: no audio, the call dropped or ended very early, the booth was not what it claimed to be, or offensive behavior. When you report:

• The charge is put on hold and not captured while the report is under review.
• The booth is notified of your report — your name, the reason and your comment — and can reply once with its version.
• Talkip reviews both versions together with the technical data of the call (connection quality, audio on each side, duration) and decides within 6 days at most whether the call is charged or not. That decision is final within the platform.
• Refunds are granted for verifiable failures of the call. A call that took place almost in full is charged even if you disagreed with what was said.

To prevent abuse of this system: after two reports rejected within 30 days, or one refund granted within 90 days, your reports are still reviewed but no longer pause the charge. Repeated unfounded reports, or disputing legitimate charges with your bank, may lead to suspension of your account.

If you believe there was an incorrect charge — a call that never happened, a duplicate charge or an amount different from the one shown — write to us at support@talkip.app within the following 30 days and we will review it.

07If you have a booth

Commissions and creator payouts

Commission

From the amount charged for each call, the payment processor's fee is deducted first. Of the net amount that remains, the creator keeps 80% and Talkip keeps 20% as a service commission for the use of the platform, the call infrastructure and payout processing. The app shows you the exact breakdown of every call — amount charged, processor fee, Talkip commission and what you earn — in your Earnings section, in your local currency.

When the caller pays in a different currency than yours, your earnings are calculated on what was actually received and shown in your currency.

Taxes

You are responsible for your own tax obligations on the income you receive through Talkip. Where the law requires Talkip to withhold and remit taxes on payments made to you, we will do so and show the details in your statements within the app.

When you get paid

• The earnings of each call are held for 30 days from the date it is charged. This is the period during which the paying user may raise disputes or chargebacks.
• Once your released balance reaches the minimum withdrawal amount (500 MXN or its equivalent in your currency), you can request your withdrawal from the app. If your released balance is below that amount, it accumulates until it reaches it.
• If you do not request the withdrawal within 7 days of your balance becoming available, Talkip creates the request for you.
• Withdrawals are normally processed within 1 to 2 business days and sent to the bank account connected to your payout account. The app shows you your released balance, what is still on hold and the status of your withdrawal.
• Deposits are made through our payment processor. Talkip is not responsible for failed transfers caused by incorrect banking information.

Reports, chargebacks and disputes

If a user reports a call you answered, you are notified who reported it and why, and you can reply once with your version while the report is pending. If Talkip decides the call is not charged, you do not earn for it. If a user disputes a charge with their bank and the dispute succeeds, the corresponding amount is deducted from your balance, even if it had already been released or deposited; in that case it is deducted from your next deposits. Talkip does not absorb chargebacks arising from calls provided by creators.

We may hold an account's deposits, in whole or in part, while a dispute, report or unusual activity pattern is being investigated. The hold is lifted when the review concludes, and any amounts found to be legitimate are deposited in the next cycle.

Answering and hanging up

• When you go live you commit to answering the calls you receive and honoring the purchased time.
• If you hang up before the block ends, the call is free for the user and you earn nothing for it.
• Repeatedly hanging up on callers, or going live without answering, may lead to warnings and to the temporary or permanent suspension of your booth.

Fraudulent conduct

It is strictly prohibited to generate artificial calls to obtain payouts: arranging charges with another person, using your own or third-party accounts to call yourself, or using payment methods that do not legitimately belong to the caller.

When we detect this type of conduct, the account is cancelled immediately, pending payouts related to that activity are cancelled, and we reserve the right to claim damages and to report the case to the competent authorities.

Creator obligations

• You are an independent individual providing your service on your own behalf. There is no employment relationship with Talkip.
• You must keep your payout account information correct and up to date.
• You must answer the calls you accept and honor the purchased time.

08Company campaigns

Conversations paid for by companies

Talkip allows companies to publish campaigns: conversation sessions in which the company pays to talk with users and receive their opinion or feedback on a topic.

• Participating is always voluntary. The campaigns you see depend on your profile (age, country, language and gender), and Talkip does not guarantee that campaigns will be available or that you will be selected.
• You only see what the campaign is about; the questions are asked during the call.
• The compensation is shown before you participate. After the call, the company approves the payment within 24 hours. It may decline it, stating the reason, if you did not take part in good faith — for example, answering at random or not engaging with the conversation. If it is declined, you are told why. Approved amounts are added to your balance and follow the release and payout rules of section 07.
• Unlike regular calls, campaign calls are recorded, transcribed and analyzed with artificial intelligence, and the company can listen to the recording and read the transcript and summary. You are always informed before starting, and if you do not agree you can simply choose not to participate. The handling of those recordings is described in the Privacy Notice.
• The same rules of conduct in these terms apply to these calls, both for you and for the person calling on behalf of the company.

The company is responsible for the content of its campaign and for the use it makes of the feedback received. Talkip acts solely as a technological intermediary, just as in the rest of the platform.

09Rules of conduct

What is not allowed on Talkip

By using Talkip you agree not to:

• Publish or transmit sexually explicit content, or offer services of a sexual nature.
• Harass, threaten, insult, discriminate against or intimidate another person.
• Use the platform if you are a minor, or interact with minors through it.
• Offer, promote or carry out illegal activities of any kind.
• Impersonate another person or misrepresent your identity.
• Publish content that does not belong to you or that you have no rights to.
• Record a call without the other person's consent.
• Disclose another user's personal data, or the content of a private conversation.
• Request or make payments outside Talkip to avoid the commission, or move the conversation to another platform for that purpose.
• Use the platform for unauthorized advertising, investment schemes, fraudulent sales or pyramid schemes.
• File false reports, dispute legitimate charges with your bank, manipulate ratings, create multiple accounts, or attempt to breach the platform's systems.

Additionally, and even though it is not prohibited by these terms: what is discussed in a call is not professional advice. No conversation on Talkip replaces the opinion of a doctor, lawyer, psychologist or financial advisor. Each user is responsible for the decisions they make.

10Your content

What you publish remains yours

The content you publish — profile photo, cover, description, intro audio and video — remains yours. By publishing it you grant us a non-exclusive, worldwide, royalty-free license to host, reproduce and display it within Talkip, and on your public creator page (talkip.app/@yourname) if you enable it, for the purpose of operating the service. That license ends when you delete the content or your account, except for temporary backup copies.

You represent that you have the right to publish everything you upload and that it does not infringe third-party rights.

The content you upload may be automatically analyzed before being published. We may reject, remove or hide content that breaches these terms, without prior notice.

The Talkip brand, its logo, the app's design and its software are the property of Talkip and may not be used without written authorization.

11Suspension and account closure

When we can close the door

We may suspend or cancel your account, temporarily or permanently, when:

• You breach these terms or the rules of conduct.
• We receive substantiated reports about your behavior.
• We detect fraud, charge manipulation, abuse of the reporting system or creation of multiple accounts.
• Your conduct puts other people or the platform at risk.
• A competent authority requires it.

In serious breaches — sexual content, involvement of minors, harassment, fraud or illegal activities — the suspension may be immediate and without prior notice.

If your account is closed for a breach, you keep the right to payouts for calls legitimately provided before the suspension, unless they are related to the conduct that caused it. No compensation of any kind is generated.

If you believe a mistake was made, write to us at support@talkip.app and we will review your case.

You can also close your account whenever you want from the app settings. If you have earnings pending deposit, we will contact you to settle them.

12Liability

How far Talkip's responsibility goes

Talkip is provided "as is" and "as available". We work to make the service run well, but we do not guarantee that it will be free of interruptions, errors or connection failures.

To the extent permitted by law, Talkip is not responsible for:

• The content, accuracy or consequences of what is said in a call.
• The decisions you make based on a conversation.
• The conduct of other users, inside or outside the platform.
• Indirect or incidental damages, lost profits or lost opportunities.
• Failures of your internet connection, your device or third-party services.

In any case, and where the law allows liability to be limited, Talkip's total liability toward you will not exceed the amount you have paid through the platform in the three months prior to the event giving rise to it.

Nothing in this section limits liabilities that the law does not allow to be excluded, or the rights you hold as a consumer.

13Changes

These terms may be updated

We may modify these terms to reflect changes in the service, in our providers or in the law. The date of the last update appears at the top.

If the change is significant, we will notify you within the application before it takes effect. If you continue using Talkip after that date, you are deemed to accept the new version. If you do not agree, you can close your account.

14Governing law

Which law applies and where disputes are resolved

These terms are governed by the laws of the United Mexican States (Mexico).

For any dispute, the parties submit to the competent courts in Mexico, waiving any other jurisdiction that may correspond to them due to their present or future domicile, except where the law of your country of residence provides otherwise in your favor as a consumer.

Before taking legal action, please write to us: most matters are resolved directly.

15Contact

Talk to us

For questions about these terms, your account or a charge:

• Support: support@talkip.app
• Privacy: privacy@talkip.app

Talkip, S.A. de C.V.