Last updated: 15 July 2026
Provider: XOXONA AI Co., Ltd. ("XOXONA", "we", "our")
This Agreement governs purchases and related financial transactions conducted through the XOXONA platform. By purchasing subscriptions, premium features, virtual currency, credits, tokens, gifts, rewards, or other digital items, you agree to this Agreement.
1. Purpose
This Agreement governs the processing of payments, purchases, refunds, chargebacks, and related financial transactions conducted through the XOXONA platform for users. By purchasing subscriptions, premium features, virtual currency, credits, tokens, gifts, rewards, or other digital items, users agree to this Agreement.
2. Payment Providers & Data Processing
2.1 Provider Details
XOXONA utilizes authorized third-party payment processors, payment gateways, and app stores, including Stripe, Chillpay, Xendit, Opn (Omise), 2C2P, Apple App Store, and Google Play. Transactions may be subject to separate terms, fees, and policies imposed by these providers.
2.2 Data Sharing
To facilitate transactions and comply with Digital Platform Service regulations, XOXONA may share transaction-related and personal data with payment processors, banks, and regulatory authorities.
2.3 Cross-Border Data Transfers
Personal data may be transferred to, processed, and stored in countries outside the user's residence where XOXONA or its partners operate, with appropriate safeguards implemented where required by law.
3. Purchases and Payments
Users authorize XOXONA and its payment partners to process charges for purchased items.
All prices, fees, taxes, and exchange rates remain the sole responsibility of the purchaser.
4. Clarification on Virtual Currency and Digital Goods
4.1 Not a Financial Institution
XOXONA is a technology platform and is not a bank, e-money issuer, deposit-taking institution, or money remittance provider. Funds paid by users do not constitute deposits or savings accounts, and no banking or custodial relationship is created.
4.2 No Cash Value
Virtual currency (Coins), credits, tokens, or gifts are solely limited-use digital items for entertainment and platform functionality. They have no independent cash value, are not legal tender, and may not be exchanged for fiat currency except through authorized creator monetization programs.
5. Refunds, Chargebacks, and Payment Disputes
5.1 Refunds
Refund requests are evaluated based on applicable law and payment provider policies. Consumed virtual items and certain purchases are non-refundable unless required by law.
5.2 Payment Disputes
Users must submit billing or payment-related disputes within thirty (30) days from the transaction date through the Support Portal, designated email, or the In-App Support System. Failure to do so constitutes a waiver of related claims.
5.3 Chargebacks
Users must not abuse chargeback mechanisms. In the event of an unauthorized chargeback or dispute, XOXONA may suspend services, revoke digital goods, restrict account functionality, or terminate the account.
6. Anti-Fraud & Compliance
XOXONA monitors transactions for fraud, money laundering, sanctions violations, or suspicious behavior. Suspicious transactions may be blocked, delayed, or reported to competent authorities.
7. Limitation of Liability
XOXONA shall not be liable for payment processor outages, banking delays, currency conversion losses, failed third-party payments, or any financial losses arising from third-party services.