Livetiks Terms of Service

Last Updated: 6 February 2026

Document language: English (official version).

1. ABOUT LIVETIKS

1.1. LIVETIKS GROUP LTD, a private limited company incorporated in England and Wales under the Companies Act 2006 with company number 16947677 and registered office at 50 Rolt Street, London, SE8 5NL ("Livetiks", "we", "us", "our"), owns and operates the website and related services branded "Livetiks" (the "Platform").

1.2. Livetiks is a digital entertainment and creator platform that enables approved creators and event organisers ("Creators") to host live streams and provide other digital content (including replays, videos and other digital media) and enables viewers ("Subscribers" or "Ticket Holders") to purchase access to that content (together, "Users").

1.3. Livetiks is not a bank and does not provide banking services. We use third-party payment processors (including Stripe Connect Express for Creator onboarding and payouts) to process payments and payouts.

1.4. Livetiks does not provide facilities for sending or receiving confidential electronic communications. You should consider communications sent through the Platform as non-confidential and potentially accessible to intended recipients.

1.5. To contact us, email support@livetiks.com. If you are unable to contact us by email, write to: 50 Rolt Street, London, SE8 5NL, United Kingdom.

1.6. IMPORTANT CONTENT POSITIONING: Livetiks is not an adult-content platform. Nudity, sexual services, and sexually explicit content are prohibited (see §7).

2. ABOUT THESE TERMS

2.1. Entire Agreement: These Terms, together with the policies referenced in §2.4 (the "Policies"), constitute the entire agreement between you and Livetiks about your access to and use of the Platform. They supersede any prior agreements or understandings relating to the Platform.

2.2. By registering for, accessing, or using the Platform, you accept and agree to be bound by these Terms. If you do not agree, you must not use the Platform.

2.3. Our Privacy Policy and Cookies Policy explain how we process personal data and use cookies. They are incorporated by reference and form part of the Policies. Where required, we rely on your consent for non-essential cookies, and on lawful bases (such as contract and legitimate interests) for other processing.

2.4. By accessing Livetiks, you also agree to comply with: (i) the Acceptable Use Policy; (ii) the Compliance Policy; (iii) the Content Removal Policy; (iv) the Chargebacks & Payment Disputes Policy; (v) the Refund Policy; and (vi) the Creator Refund & Chargeback Policy. If a Policy conflicts with these Terms, these Terms prevail unless the Policy states otherwise.

2.5. If you access the Platform on behalf of a company or other entity, you represent that you have authority to bind that entity to these Terms.

3. CHANGES TO THESE TERMS AND LIVETIKS

3.1. We reserve the right to amend the Terms without notifying you beforehand where:

3.1.1. changes in laws and/or regulatory requirements apply to Livetiks and the services, features and programmes provided by the Platform, and such changes require updates in a manner which does not allow Livetiks to give reasonable notice to you; and

3.1.2. to address an immediate and unanticipated threat related to defending the Platform, Users, or Creators from fraud, malware, spam, data breaches or other cybersecurity risks.

3.2. We may also amend the Terms in full or part for any other reasons, including to reflect changes to our services (including Tickets, Subscriptions, Replays, Wallet, Tips and commission), Users' needs and our business practices, or to improve performance, enhance functionality or address security issues. For major changes we will try to give you reasonable notice. For smaller changes we will give not less than 15 days' notice by email or through the Platform where practicable.

3.3. Once updated Terms are in effect, you will be bound by them if you continue to use the Platform. If you do not agree, you may terminate your account before the changes take effect (see §5.10 and §13).

3.4. We do not guarantee that the Platform, or any User Content on it, will always be available or accessible without interruption. We may suspend, withdraw, or restrict availability of all or any part of the Platform for business or operational reasons. We will try to give reasonable notice where practicable.

4. DEFINITIONS

4.1. "Acceptable Use Policy" means the separate policy governing permitted and prohibited use of the Platform.

4.2. "Creator" means a User approved to host lives and/or sell digital content on the Platform.

4.3. "Subscriber" means a User who subscribes to a Creator or purchases access to content.

4.4. "Ticket" means a time-limited right to access a specific live stream during its scheduled live window only (and does not include Replay access unless expressly stated at purchase).

4.5. "Replay" means a recording of a live stream made available after the live session ends.

4.6. "Replay Pass" means paid access to a Replay (or a set of Replays) as described at purchase, without granting access to ongoing or future live streams unless expressly stated.

4.7. "Subscription" means a recurring paid plan granting access to a Creator's subscription content for the billing period as described at purchase (and may include access to certain Replays and/or non-live digital content).

4.8. "Wallet" means an internal, prepaid, spend-only balance a User may use for eligible purchases (including Tips) on the Platform.

4.9. "Tip" means a voluntary payment made by a User to a Creator to support a live stream or Creator, not tied to delivery of specific content, and non-refundable to the fullest extent permitted by law.

4.10. "User Content" means content uploaded, streamed, transmitted, or otherwise made available by Users on the Platform, including live streams and Replays.

4.11. "Prohibited Use" means any breach of the Acceptable Use Policy, these Terms, or applicable law.

4.12. "Platform Fee" means Livetiks' commission on eligible transactions. The applicable Platform Fee is determined in accordance with Section 12 of these Terms and Livetiks' current Creator Fee Policy, and may vary depending on the Creator, transaction type, geographic region, promotional programme or other eligibility criteria communicated by Livetiks.

4.13. "Stripe Connect Express" means Stripe's connected accounts product used for Creator onboarding and payouts; Stripe is a third-party provider and its terms apply.

5. ACCOUNTS ON LIVETIKS

5.1. General. You must provide accurate, complete, and up-to-date information when creating an account and using the Platform.

5.2. Age requirements. The Platform is intended for Users aged 18 and over. You warrant that you are at least 18 years old. We may require age verification and may suspend or terminate accounts that fail verification.

5.3. Subscriber accounts. To create an account you must provide a valid email address (or use supported third-party authentication), a username and a password. To purchase content, you must add a valid payment method. Livetiks does not store full payment card details; these are processed by our payment partners.

5.4. Creator accounts. To become a Creator you must complete the Creator onboarding process, satisfy our compliance checks, and be approved in our sole discretion.

5.4.1. Payout account ownership. If you sell content, you must connect a verified payout account via Stripe Connect Express. The payout account must be in your own name (as an individual) or in the legal name of an entity that you own and control, and you must be legally authorised to receive funds into that account. You must not use payout details belonging to a third party. You are responsible for ensuring bank details are correct. Incorrect details may result in delayed, misdirected, or lost funds and we are not liable for such loss to the extent permitted by law.

5.4.2. Manual payouts. Creator payouts are processed manually (i.e., initiated by the Creator or by Livetiks through the Platform controls). We may apply minimum payout thresholds, risk holds, or compliance reviews before approving payouts (see §12.7).

5.5. Account security. You are responsible for maintaining the confidentiality of your login credentials and for all activity on your account. You must notify us immediately at support@livetiks.com if you suspect unauthorised access.

5.6. No account transfer. You may not sell, rent, lease, transfer, or share your account credentials. You may not allow any person to access your account without our written permission.

5.7. Inactive accounts. If you do not log in for 12 consecutive months, your account may be deemed inactive. We may notify you by email before taking action.

5.8. Deactivation. You may deactivate your account in settings. Deactivation does not automatically entitle you to refunds (see §11.7) and may not remove content already accessed or recorded by others.

5.9. KYC/Compliance. We may require identity, age and other verification for Users and Creators to comply with law, platform safety, fraud prevention and payment partner requirements.

5.10. Effect of account closure. Closing your account may permanently remove access to paid content and Wallet balances may be non-refundable as described in §11.2, subject to mandatory law.

6. CONTENT ON LIVETIKS

6.1. User Content is created, selected, and provided by Users, not by Livetiks. We do not guarantee the accuracy, quality, safety, or legality of User Content.

6.2. Transactions are between Users. Purchases, subscriptions, tips, and other interactions are between Users and Creators. Livetiks facilitates the Platform and payment flow but is not a party to Creator–Subscriber arrangements except as set out in these Terms.

6.3. Content licence to Users. When you purchase access to content, you receive a limited, revocable, non-transferable, non-exclusive licence to access that content through the Platform for personal, non-commercial use during the applicable access period.

6.4. No recording or redistribution. Unless explicitly permitted by Livetiks, you must not record, reproduce, distribute, share, publicly perform, or otherwise exploit User Content.

6.5. Collaborative content. If your content depicts any other identifiable person, you must have that person's express written consent and sufficient proof of identity and age (18+). We may request documentation and may suspend content until provided.

6.6. Removal and suspension. We may suspend access to User Content that may violate these Terms, the Policies, or law while we investigate. We may reinstate, restrict, or remove content following investigation and may notify you of our decision and reasons where practicable.

7. PROHIBITED USES ON LIVETIKS

7.1. You agree to use Livetiks only for lawful purposes and in compliance with these Terms and the Policies. Without our express prior written authorisation, you will not:

7.1.1. use the Platform in any way that violates applicable law, regulation or court order;

7.1.2. upload, stream, post or share content that is illegal, fraudulent, defamatory, hateful, discriminatory, threatening or harassing, or that advocates or facilitates violence or unlawful conduct;

7.1.3. exploit or endanger minors or include content depicting or referencing persons under 18;

7.1.4. upload or share any sexually explicit content, nudity, pornography, or sexual services (including escorting, solicitation, or adult services). Livetiks is not an adult platform;

7.1.5. upload or share content depicting weapons in a way that promotes violence or unlawful activity, or content that advertises prohibited or restricted items;

7.1.6. upload or share content involving drugs or drug paraphernalia promoting illegal use;

7.1.7. upload or share content depicting self-harm or suicide, or content encouraging eating-disorder behaviour;

7.1.8. upload or share violent, gory, or extremist content, terrorism-related content, or content inciting hatred or violence;

7.1.9. share personal data of others without consent (including phone numbers, addresses, emails, bank details, IDs, location data, biometric or medical data);

7.1.10. impersonate Livetiks, its staff, another User, or any person or entity, or misrepresent affiliation or endorsement;

7.1.11. engage in spam, platform manipulation, fake engagement, bots, scraping, or other automated access without permission;

7.1.12. introduce malware, viruses, trojans, worms, logic bombs or other malicious code;

7.1.13. reverse engineer, decompile or attempt to discover source code or bypass security controls;

7.1.14. solicit off-platform payments, direct users to transact outside the Platform for Platform content, or attempt to circumvent fees;

7.1.15. infringe intellectual property rights or personality/publicity rights of others;

7.1.16. use the Platform for money laundering, fraud, stolen payment methods, or chargeback abuse;

7.1.17. attempt any of the above or assist others in doing so.

7.2. Breach consequences. Breach of §7 or the Acceptable Use Policy may result in content removal, account suspension/termination, forfeiture or withholding of earnings, and/or reporting to authorities where required.

7.3. Off-platform enforcement. We may take action for conduct on or off the Platform that materially harms Users, Creators, Livetiks, or the integrity of the Platform.

8. MODERATION

8.1. We use a combination of automated tools and human review to help detect violations of these Terms and the Policies. We may review content before or after publication.

8.2. Flagged content may be suspended pending review. If content is found to breach these Terms, it may be removed permanently and enforcement action may be taken against the account.

8.3. We may monitor transaction, Wallet and blocking activity for fraud prevention, safety and compliance, consistent with our Privacy Policy.

9. REPORTING CONTENT OR SUBMITTING A COMPLAINT

9.1. If you believe content or a User violates these Terms or the Policies, report it through the Platform (where available) or by emailing support@livetiks.com with as much detail as possible (links, usernames, time/date, reason, and supporting evidence).

9.2. Refund requests: email support@livetiks.com within 14 days of the transaction and include order details (transaction ID, date, amount, Creator/event, and reason) plus evidence.

9.3. Chargebacks and payment disputes: before initiating a chargeback, you agree to contact support@livetiks.com so we can investigate and attempt to resolve the issue (see §11.10).

9.4. We aim to respond to reports promptly and, where appropriate, within 7 days, or sooner where there is a serious risk of harm or illegality.

9.5. Appeals. Where we remove content or take enforcement action, you may request a review by contacting support@livetiks.com with the basis of your appeal. We may be limited in what we can disclose due to privacy, security, or legal constraints.

10. INTELLECTUAL PROPERTY

10.1. User Content ownership. Creators retain ownership of their User Content. Livetiks does not claim ownership of User Content.

10.2. Licence to Livetiks. By uploading or streaming User Content, you grant Livetiks a perpetual, worldwide, non-exclusive, royalty-free, sublicensable, transferable licence to host, store, reproduce, display, perform, transmit, distribute, translate, and create technical adaptations of your User Content as necessary to operate, market and improve the Platform (including adding watermarks, captions, thumbnails and promotional snippets). We will not sell your User Content to third-party platforms.

10.3. Licence to Users. You grant Users a limited licence to access your content via the Platform as set out in §6.3 and §11.

10.4. Takedowns. If you believe your copyright or trademark has been infringed, contact support@livetiks.com with details sufficient to locate the content and verify your rights.

10.5. Platform IP. The Platform, excluding User Content, and all associated software, design, trademarks and branding are owned by Livetiks or its licensors. You may not use our name or logo except as permitted by these Terms or with prior written consent.

11. TICKETS, SUBSCRIPTIONS, REPLAYS, WALLET, TIPS AND PURCHASES

11.1. Tickets (Live-only). A Ticket grants access to the live stream only during its scheduled live window. A Ticket does not include Replay access unless explicitly stated at purchase. After the live window ends, Ticket access ends.

11.2. Replays and Replay Passes. Replays may be made available for purchase separately ("Replay Pass"). A Replay Pass grants access to the specified Replay content as described at purchase and does not grant access to ongoing or future live streams unless explicitly stated.

11.3. Subscriptions. A Subscription grants access to a Creator's subscription content for the billing period as described at purchase. Depending on the Creator's offering, this may include access to certain Replays, exclusive videos, and other digital content, but does not automatically grant access to Ticketed live streams unless explicitly stated.

11.4. Wallet. We may allow Users to add funds to a Wallet to use for eligible purchases (including Tips). Wallet balances may be subject to maximum limits and monitoring for fraud prevention.

11.4.1. Non-refundability. Funds added to a Wallet are non-refundable to the fullest extent permitted by law, and unused Wallet balances are not redeemable for cash, except where required by mandatory law.

11.5. Tips. Tips are voluntary, non-refundable payments to Creators. A Tip does not guarantee any specific content, service, response, or outcome unless expressly agreed in writing through Platform features.

11.6. Payment processing. We rely on third-party processors. You authorise us to pass payment details to our processors to complete transactions. Your bank or card issuer may apply currency conversion fees; we are not responsible for such fees or exchange-rate fluctuations. The applicable Platform Fee is deducted from the transaction amount as described in Section 12.

11.7. Digital performance and statutory cancellation. By purchasing digital content or access, you expressly consent to immediate performance and acknowledge you may lose statutory cancellation rights once access begins, subject to mandatory consumer law.

11.8. Cancellations. Subscriptions auto-renew unless cancelled. You can cancel in account settings. Cancellation stops future billing; access continues until the end of the paid period. Tickets are non-cancellable once the live has started unless required by law.

11.9. Refunds and Credits. Purchases are generally final and non-refundable except in limited circumstances: (a) duplicate charges; (b) technical issues preventing access; (c) verified fraudulent transactions; or (d) where paid content is removed before a reasonable opportunity to access it. Refund requests must be submitted within fourteen (14) days in accordance with Section 9.2.

Where a refund is approved, Livetiks will determine whether the applicable Platform Fee, payment processing costs and any other associated transaction costs will be borne by Livetiks or deducted from the Creator Earnings, in accordance with these Terms and the applicable Creator Fee Policy. Nothing in this Section affects any mandatory consumer rights under applicable law.

11.10. Chargebacks & disputes. You agree not to initiate a chargeback without first contacting support@livetiks.com. Chargeback abuse may result in suspension/termination and loss of access to purchased content and Wallet funds to the fullest extent permitted by law. We may investigate with payment partners and use relevant metadata consistent with our Privacy Policy.

11.11. Creator Availability Obligations. If you sell paid access (including Tickets, Subscriptions, Replay Passes or other paid digital content), you must make such content available for the promised access period unless its removal is required by applicable law or these Terms.

If you improperly remove paid content, fail to deliver a scheduled live event without a valid reason, or otherwise fail to fulfil your obligations to Users, Livetiks may refund affected Users, deduct the corresponding amounts from your Creator Earnings, and take any additional enforcement action permitted under these Terms, including temporary suspension, withholding of payouts or permanent termination of your account where appropriate.

12. EARNINGS, COMMISSION AND PAYOUTS

12.1. No Earnings Guarantee. We do not guarantee that any Creator will earn any minimum amount of money through the Platform. Creator earnings depend on a variety of factors, including audience size, engagement, pricing, demand and other variables beyond Livetiks' control.

12.2. Platform Fee. Livetiks applies a tiered Platform Fee structure designed to reward Creator growth and long-term success on the Platform. The applicable Platform Fee is determined in accordance with Livetiks' current Creator Fee Policy and may vary based on factors including, without limitation:

• Creator earnings volume;

• promotional or introductory programmes;

• strategic partnership agreements;

• geographic region;

• Creator status or performance programme; and

• any other eligibility criteria determined by Livetiks.

The applicable Platform Fee will always be clearly displayed before the completion of any eligible transaction.

As of the Last Updated date of these Terms, the standard Platform Fee outside Africa is:

• 25% for monthly Creator Earnings up to €10,000;

• 22% for monthly Creator Earnings between €10,001 and €30,000;

• 20% for monthly Creator Earnings exceeding €30,000.

The remainder constitutes Creator Earnings, subject to refunds, chargebacks, payment processor deductions, withholding, compliance reviews and any other deductions permitted under these Terms. Applicable taxes, payment processor fees, currency conversion fees or other mandatory charges may also be deducted where required by law or by the relevant payment provider.

Livetiks reserves the right, from time to time, to modify the Platform Fee structure, eligibility thresholds or Creator programmes in accordance with Section 3 of these Terms. Any changes shall apply only to future transactions and shall not affect transactions completed before the effective date of the revised Platform Fee structure. Any changes will be communicated through the Platform with reasonable notice before taking effect.

Promotional Platform Fees may be offered for a limited period and shall automatically expire unless otherwise communicated by Livetiks.

12.3. Payouts. Creator Earnings are payable through Stripe Connect Express (or any successor payment provider) to the verified payout account connected to the Creator's account. Payouts may be subject to minimum payout thresholds, fraud prevention measures, compliance reviews and payment processor requirements.

12.4. Chargebacks and Refunds. If a transaction is refunded, reversed or becomes subject to a chargeback, the corresponding amount (including any applicable Platform Fee) may be deducted from current or future Creator Earnings. Creators remain responsible for chargebacks and payment disputes arising from their transactions, even after account closure, to the fullest extent permitted by applicable law.

12.5. Withholding and Forfeiture. Livetiks may temporarily withhold, delay, offset or permanently forfeit Creator Earnings where we reasonably believe there has been fraud, unlawful activity, repeated violations of these Terms or the Policies, abuse of the Platform, or where required by law, our payment partners or regulatory authorities. Livetiks may also exercise any lawful right of set-off against amounts otherwise payable to the Creator.

12.6. Payout Timing. Payout timing depends on payment processor settlement periods, banking systems, fraud prevention procedures, compliance reviews and other operational requirements. Livetiks is not responsible for delays caused by third-party payment providers, financial institutions or regulatory requirements.

12.7. Taxes. Creators are solely responsible for determining, reporting and paying all taxes applicable to their earnings. Livetiks may collect tax information, withhold taxes or report Creator earnings where required by applicable law. See Section 17 (VAT & Tax Policy).

13. TERMINATION

13.1. We may terminate or suspend your account with 30 days' notice for any reason, or immediately without notice where we reasonably believe you have seriously or repeatedly breached these Terms or where necessary to protect Users, the Platform or comply with law.

13.2. On termination, you may lose access to User Content and paid access. Wallet balances may be handled as set out in §11.4.1 subject to mandatory law.

13.3. We may retain certain information as required by law, for legitimate business purposes, or to resolve disputes, consistent with our Privacy Policy.

14. LIABILITY

14.1. We will use reasonable care and skill in providing the Platform, but we do not warrant uninterrupted availability or error-free operation.

14.2. To the fullest extent permitted by law, we are not liable for: (i) loss of profits, business, revenue or goodwill; (ii) business interruption; (iii) loss of data; (iv) indirect or consequential loss; (v) acts or omissions of Creators or other Users; (vi) unauthorised access caused by your failure to secure your account; or (vii) third-party links and services.

14.3. Nothing in these Terms limits liability that cannot be limited by law (including for death or personal injury caused by negligence, or fraud).

14.4. Live transmission risks. You acknowledge that live streams may be recorded unlawfully by third parties and that you assume the risks of streaming or appearing in live content. Livetiks is not responsible for unauthorised third-party recordings.

15. MISCELLANEOUS

15.1. Assignment. We may assign our rights and obligations under these Terms. You may not assign your rights without our prior written consent.

15.2. Severability. If any provision is unenforceable, the remainder remains in effect.

15.3. No waiver. Failure to enforce any provision is not a waiver.

15.4. Notices. We may send notices by email, in-app notification, or posting on the Platform. Notices to Livetiks should be sent to support@livetiks.com.

15.5. Governing law and jurisdiction. These Terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction, subject to mandatory consumer protection laws.

16. (NOT USED) REFERRAL PROGRAM TERMS

16.1. Livetiks does not currently operate a referral programme. If we introduce one, we will publish separate terms and may update these Terms in accordance with §3.

17. VAT & TAX POLICY

17.1. General. Livetiks operates in global markets and, where applicable, will comply with local tax laws and regulations. We do not provide tax advice. You should consult a professional adviser.

17.2. Subscribers. Where required, VAT/sales tax may be added at checkout and will be shown before you complete the purchase.

17.3. Creators. Creators are responsible for their own tax filings and payment of any taxes due on earnings. We may be required to collect tax information (such as a tax identification number) and to report Creator earnings to tax authorities where required by law.

17.4. Withholding. We may withhold payouts where required by law or by payment partner requirements pending receipt of required tax information or documentation.

17.5. Contact. For questions about this policy, contact support@livetiks.com.

18. MUSIC RIGHTS & THIRD-PARTY CONTENT

18.1. Creator Responsibility. If you upload, stream, perform or otherwise make available any content containing music, images, videos or any other material protected by third-party intellectual property rights, you represent and warrant that you have obtained all necessary licences, permissions, authorisations and rights required to use such content on the Platform.

18.2. Music Licensing. You are solely responsible for obtaining any required music licences, including without limitation public performance rights, synchronisation rights, mechanical rights, neighbouring rights or any other rights required under applicable law. Livetiks does not provide music licences and does not warrant that your use of music complies with the requirements of copyright owners, collecting societies or other rights holders.

18.3. Copyright Takedown Requests. Upon receipt of a valid copyright infringement notice (including a notice submitted under the Digital Millennium Copyright Act ("DMCA") or any equivalent applicable law), we may remove, disable access to, or suspend the relevant content without prior notice. You remain solely responsible for any claims, damages, penalties, costs or liabilities arising from your unauthorised use of protected content.

18.4. Repeat Infringers. Repeated violations of copyright or other intellectual property rights may result in the suspension or permanent termination of your account in accordance with Section 13 of these Terms.

19. CREATOR & USER SAFETY — HARASSMENT, ABUSE AND LIVE INTERACTIONS

19.1. Protection of Creators. Creators are entitled to a safe and respectful environment. Harassment, abuse, intimidation, threats, hate speech, degrading behaviour or any other harmful conduct directed towards a Creator through live chats, live participation, Tips, messages or any other Platform feature is strictly prohibited.

19.2. Disruptive Behaviour. Conduct intended to disrupt a live event, including but not limited to Tip spamming, message flooding, coordinated harassment, manipulation or intimidation of a Creator or other Users, may result in account restrictions, suspension or termination.

19.3. Reporting Abuse. Creators may report abusive behaviour through the reporting tools available on the Platform or by contacting support@livetiks.com. We may take immediate enforcement action where reasonably necessary to protect Creators, Users or the integrity of the Platform.

19.4. Off-Platform Harassment. Harassment, threats or abusive conduct directed towards a Creator outside the Platform may also result in enforcement action on Livetiks where such conduct reasonably affects the safety of Users or the integrity of the Livetiks community.

20. EXPERIMENTAL FEATURES & BETA ACCESS

20.1. Experimental Features. From time to time, we may make available beta, preview or experimental features. Such features are provided on an "as is" and "as available" basis without any guarantee of availability, performance, reliability or compatibility.

20.2. No Warranty. Experimental features may contain bugs, errors or limitations and may be modified, suspended or permanently discontinued at any time without prior notice. You acknowledge that you use such features entirely at your own risk.

20.3. Feedback and Usage Data. By using any experimental feature, you agree that we may collect technical information, diagnostic data, usage information and feedback relating to your use of such feature for the purposes of testing, improving and developing the Platform.

21. PAYMENT SECURITY & FRAUD PROTECTION

21.1. Payment Security. Payments are processed through authorised third-party payment providers using commercially reasonable security measures, including where applicable 3D Secure authentication, identity verification, fraud detection systems, enhanced customer authentication and transaction risk analysis.

21.2. Lost or Compromised Payment Methods. You are responsible for promptly notifying your bank or payment provider if your payment card or payment method is lost, stolen or compromised. Livetiks shall not be liable for any losses resulting from the unauthorised use of a payment method before such notification has been made to your financial institution.

21.3. Additional Verification. We may request additional information or documentation to verify transactions, comply with legal obligations or prevent fraud. Failure to provide requested information may result in the suspension, cancellation or refusal of a transaction or account.

21.4. Banking Services Disclaimer. Livetiks is not responsible for bank charges, currency conversion fees, exchange rate fluctuations or decisions made by your bank or payment provider regarding the approval, rejection or processing of any payment.

22. LIVE INTERACTION RULES (CHAT, EMOTES & PARTICIPATION)

22.1. Live Interactions. All live chats, comments, reactions, emotes and other interactive communications must comply with these Terms, including the prohibited conduct set out in Section 7. Users must interact respectfully and must not engage in discriminatory, abusive or unlawful behaviour.

22.2. Interactive Features. Creators may enable interactive features including polls, reactions, quizzes, mini-games, audience participation tools or similar functionality. Such features are provided on an "as is" basis and may be modified, restricted or removed at any time without notice.

22.3. Live Moderation. Creators may moderate their own live sessions by deleting messages, muting Users, blocking Users or restricting participation. Livetiks reserves the right to intervene, moderate or restrict live interactions where reasonably necessary to protect Users, ensure compliance with these Terms or comply with applicable law.