The rules, in plain words.

TaraChat ("TaraChat", "we", "us") is a live voice and chat community run from the Philippines at tara-ph.com. These Terms of Service ("Terms") are an agreement between you and us. By creating an account, signing in, or buying anything on TaraChat, you agree to these Terms.

These Terms include, by reference, our Privacy Notice, Refund Policy and Community Guidelines. The short "Terms of Use" you accept when you sign up are part of these Terms.

If you do not agree with these Terms, please do not use TaraChat.

• You must be 18 years of age or older to use TaraChat. If we learn that an account belongs to someone under 18, we will close it.
• Give accurate information when you sign up, and keep your email address current so you can recover your account.
• You are responsible for keeping your password safe and for everything that happens on your account. Tell us right away at chat@tara-ph.com if you think someone else has accessed it. We recommend turning on two-factor sign-in in Settings.
• Accounts are personal. You may not sell, rent, share or transfer your account, username or TC Coin balance to anyone else.

1. Mistreat or target other users through bullying, harassment, threats, intimidation, abuse, humiliation, defamation, stalking, or any other conduct intended to cause fear, harm, distress, or discomfort.
2. Share prohibited or inappropriate material, including messages, images, files, links, recordings, software, or other content that is unlawful, threatening, abusive, hateful, discriminatory, defamatory, excessively offensive, obscene, or reasonably considered inappropriate for the TaraChat community.
3. Promote or facilitate illegal activities, including providing instructions, resources, or other information intended to help another person commit an unlawful act.
4. Use content belonging to others without authorization, including copyrighted works, trademarks, confidential information, trade secrets, patented material, or other intellectual property when doing so would violate the rights of its owner.
5. Interfere with the experience or operation of TaraChat, including flooding rooms, spamming messages, intentionally consuming excessive system resources, disrupting communications, exploiting service errors, or interfering with another user's ability to use TaraChat.
6. Send unwanted commercial or promotional content, including advertisements, mass solicitations, promotional campaigns, referral spam, or other unsolicited commercial communications, unless we expressly allow it.
7. Use TaraChat in violation of applicable laws or regulations, whether directly or through content, communications, transactions, or activities conducted using the platform.
8. Access, reproduce, modify, or exploit TaraChat's technology without authorization, including its software, source code, systems, databases, interfaces, security mechanisms, or other proprietary components.
9. Reverse engineer or otherwise attempt to derive the underlying technology of TaraChat, including decompiling, disassembling, translating, modifying, copying, creating derivative versions of, or incorporating TaraChat software into another product or service without written authorization.
10. Pretend to be someone you are not, including another user, a TaraChat staff member, administrator, moderator, host, helper, official representative, or anyone else associated with the platform.
11. Bypass account restrictions or security controls, including circumventing bans, suspensions, access restrictions, authentication mechanisms, or other measures that protect TaraChat and its users.
12. Introduce harmful technology or code, including viruses, malware, malicious scripts, automated attacks, or other mechanisms designed to damage, disrupt, monitor, or gain unauthorized access to the service, user accounts, or devices.
13. Commit payment fraud, including using a payment method you are not authorized to use, buying TC Coins to launder money, or filing false chargebacks or refund claims.

You keep ownership of the messages, images, files and other content you post. You give us a worldwide, non-exclusive, royalty-free licence to host, store, display and deliver that content only as needed to run TaraChat for you and the people you share it with. This licence ends when the content is deleted, except where other users have already received it or the law requires us to keep it.

You are responsible for what you submit. Use good judgment before sending, uploading or sharing anything, and never use TaraChat to threaten, deceive, exploit, harm, or unlawfully target another person.

To keep the platform safe, we review reports of suspected violations and act when appropriate. Depending on the circumstances, we may remove or restrict content, issue a warning, restrict specific features, suspend an account, permanently disable an account, restrict access to the platform, or take any other reasonable action needed to protect users, the community, or our systems.

We may act immediately when conduct presents a significant risk. Where legally required or appropriate, we may share relevant information with the competent authorities about suspected unlawful activity.

You agree not to interfere with TaraChat's infrastructure, security, functionality or availability, not to access accounts, servers, databases, APIs or admin functions you are not meant to access, and not to use automated tools or exploits to manipulate TaraChat or gain an unfair advantage.

What TC Coins are

• TC Coins are a limited licence to use a virtual item inside TaraChat. They are not money, have no cash value, are not a deposit or e-money, and do not earn interest.
• You can use TC Coins to unlock digital items and perks inside TaraChat, such as nickname colors, badges, crowns, room features, voice-recording (Studio) plans, memberships, and gifts to other members.
• TC Coins cannot be exchanged for cash, sold, transferred outside TaraChat, or redeemed for real-world goods, except where a refund is given under our Refund Policy or the law requires otherwise.
• Gifting TC Coins or items to another member is final once delivered, because the other member receives them immediately.
• We may also give TC Coins for free (for example, presence points or referral rewards). Free coins have no purchase value and are never refundable.

Delivery

Purchased TC Coins are added to your wallet automatically, usually within seconds after the payment is confirmed. Some manual payment methods (such as a direct GCash or bank transfer) are checked by our team first and can take longer. If coins have not arrived within 24 hours, contact us with your payment reference and we will fix it or refund you.

Changes to items

We may change the items, perks and prices available for TC Coins over time. We will not reduce the TC Coin balance you already hold, except to reverse a refund, chargeback, fraud or error.

Prices

The price of each TC Coin package, and the number of coins it gives, is shown in the app before you pay. Prices are set in Philippine pesos (₱). Some payment methods charge in another currency (for example US dollars) or include a processing surcharge. The exact amount and currency you will pay are always shown before you confirm the payment.

Our online reseller, Paddle

For card and international payments, our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all of these orders. Paddle handles payment processing, calculates and collects any applicable sales tax or VAT, issues your receipt or invoice, and provides customer service for billing questions and returns. Those purchases are also covered by Paddle's Buyer Terms, and Paddle handles your payment details under Paddle's Privacy Policy. The charge on your statement may show as Paddle.net or PADDLE.NET* TARACHAT.

Other payment methods

In the Philippines we may also accept GCash, cards and e-wallets through PayMongo, PayPal, Wise bank transfers, and direct transfers verified by our team. Each provider processes your payment under its own terms. Taxes, if any, are included in or added to the price shown at checkout.

Your authorization

When you buy, you confirm that you are allowed to use the payment method, and you authorize us (or Paddle, as reseller) to charge the amount shown. All purchases are one-time payments. TaraChat does not automatically renew or charge you again unless you start a new purchase.

Mobile app stores

Where an app store's rules apply (for example Google Play), TC Coins may not be sold inside that app. You can still see your balance and use your coins there.

You can ask for a full refund of a TC Coin purchase within 14 days of buying it. Our Refund Policy explains how to ask, how long it takes, and what happens to the coins. For orders processed by Paddle, Paddle may also handle refund requests directly. Nothing in these Terms affects any rights you have under the consumer laws of your country.

If you think a charge is wrong, please contact us first. We can usually fix it faster than a chargeback. If you open a chargeback, we may suspend the TC Coins and items linked to that payment while it is reviewed.

TaraChat's software, design, logos, the TaraChat and TARA names, and our original content belong to us or our licensors. We give you a personal, non-exclusive, non-transferable, revocable licence to use the apps for their intended purpose under these Terms. You may not copy, modify, distribute, sell or lease any part of TaraChat, except as these Terms or the applicable open-source licences allow.

If you believe content on TaraChat infringes your rights, email chat@tara-ph.com with the details and we will review it promptly.

We may add, remove, modify or discontinue features at any time. Some features may have extra rules. We do not guarantee that every feature will always be available or that TaraChat will run without interruption or errors.

If we ever shut down TaraChat completely, we will give at least 30 days' notice in the app, and we will refund the unused TC Coins you bought in the 90 days before the notice.

You can stop using TaraChat at any time and delete your account from Settings → Account → Delete Account or on the account deletion page. Deleting your account permanently removes your remaining TC Coin balance and items. If you have a purchase that is still inside the 14-day refund window, ask for the refund before deleting your account.

We may suspend or close your account if you seriously or repeatedly break these Terms, if the law requires it, or to protect other users. If we close your account without a breach on your part, we will refund the unused TC Coins you bought.

TaraChat is provided "as is" and "as available". To the extent the law allows, we make no promises that it will meet your needs or always be secure, error-free or available. Content posted by other members is their responsibility, not ours, and we do not endorse it. Some rights you have as a consumer cannot be excluded, and nothing here limits them.

To the extent the law allows, we are not liable for indirect or consequential losses, lost profits, or lost data arising from your use of TaraChat. Our total liability to you for any claim relating to TaraChat is limited to the greater of the amount you paid us in the 12 months before the claim or ₱1,000.

Nothing in these Terms limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot be limited by law.

These Terms are governed by the laws of the Republic of the Philippines. If you have a complaint, please contact us first. Most issues can be solved quickly by email. If a dispute cannot be settled, it will be handled by the competent courts of the Philippines. If you live elsewhere, you also keep any right to bring a claim in your own country and the protection of its mandatory consumer laws.

We may update these Terms to reflect changes to TaraChat, the law, or our practices. If a change is important, we will update the date at the top of this page and tell you in the app before it takes effect. If you keep using TaraChat after the new Terms take effect, you accept them. If you do not agree, you can stop using TaraChat and delete your account.

If any part of these Terms is found to be unenforceable, the rest stays in effect.