Last Modified: 2/6/2018

This Experts Payment Policy forms part of the User Agreement and is incorporated by reference therein. Capitalized terms not defined herein will have the meanings set forth in the User Agreement and related policies.

1.’s payment responsibilities for Experts Services you provide are subject to restrictions and limitations.
The User who initiates a Transaction with an Experts through the Site is solely responsible for payment of any and all fees for the Transaction. shall not be obligated to pay any Experts fees for which has not been fully paid by the User or User's credit card issuer or bank, as applicable. You hereby authorize to collect payments from Users on your behalf for any and all Transactions that you conduct. will credit to your User account the fees collected by less’s connection charges and commissions set forth below, any tax and other fee withholdings required by law, and any refunds, discounts, chargebacks and chargeback fees payable by (the "Net Fees").

1.1. Live Video Calls. As an Experts, you may charge Users a price-per-minute fee as part of the listed rate. may collect a percentage of the per minute rate as a connection fee. will pay an Experts $0.03 (3 cents USD) for each token collected in their account. reserves the right to change the amount of connection percentage retained by at any time.

1.2. Live Video Feed. As an Experts, you may charge a fee of a set amount of tokens for joining your Live Video Feed. You must select the join rate for a paid Live Feed when beginning said Live Video Feed. will pay an Experts $0.03 (3 cents USD) for each token collected in their account. Toadys reserves the right to refund any join fees from customers that joined the live feed within the last one hundred twenty (120) seconds of the live feed.

1.3. Text Messaging. As an Experts, you will be paid for every text message that a User sends to you. The Fee for a User to send a text message is set on your Experts profile rates of which you may set up to a maximum of five dollars ($5.00) per message. You will not be paid for any return messages to the User sent through the text message feature. You agree to return text messages sent to you by customers at your text message rate within twenty-four (24) hours of receiving the text message, or you will forfeit the tokens from said text message back to the customer.

1.4. Special Programs. may, at its option, invite you to participate as an Experts in special offerings that may include reduced pricing, promotional rates, custom branding, qualifications verification, and/or targeted promotion. You do not have any obligation to accept such invitations; however, if you do accept such an invitation, you agree to be bound by the terms set forth in the invitation in addition to the terms and conditions of the User Agreement and the policies incorporated therein.

2. Experts Fee Remittance. will distribute Experts fees to you from your User account. makes payments only in U.S. dollar denominations.

2.1. All payments will be made on the last day of each month through Paypal. You agree to complete all required payment information completely before any payouts will be made to your PayPal account, including but not limited to: Your Paypal Email address, Social Security Number, Complete name matching IRS records (for US Experts only) and your full current mailing address.

2.2. You are solely responsible for (i) all hardware, software, and other costs incurred in using the Site, and (ii) determining, collecting, reporting, and paying any applicable state and federal sales, income, or other taxes. may withhold taxes from amounts issued to Experts as required by law.

2.3. reserves the right in its sole discretion to institute a chargeback policy as deems appropriate. reserves the right to withhold issuing payment for your fees without notice on any transaction which in our sole discretion suggests that the User or User's bank may not fulfill his or her payment obligation. reserves the right to hold funds beyond the normal distribution periods for transactions it deems suspicious to ensure integrity of the funds.

2.4. reserves the right to close a User account at any time without reason, including, but not limited to, a violation of this Payment Policy, upon notice to the Experts and payment to the Experts of any unrestricted funds held in custody.

2.5.1. reserves the right to not pay any closed account funds that have been received to an Experts account that total less than Twenty Dollars ($20 USD).  Twenty Dollars ($20 USD) is the absolute minimum that will be paid out on any account via any payout method.

2.6. reserves the right to withhold payments from any Experts account that does not provide accurate Payee Name and matching Social Security Number or Tax ID information within the My Account page. Payee Name and Social Security or Tax ID number are compared to the IRS Name Database to verify valid information has been provided.

2.7. reserves the right to restrict payments from a User account for any of the following reasons. If your User account is identified for review, you will be notified by email and requested to provide information relevant to your User account. will use reasonable efforts to promptly investigate the matter and/or reach a final decision on the restriction. If the investigation result is in your favor, will unrestrict your User account. If the investigation result is not in your favor, may return funds to the User and unrestrict the remainder of your User account, will continue the restriction for up to sixty (60) days as to funds necessary to protect against the risk of chargebacks, or may close your User account by giving you notice and mailing a check for any funds in your User account that are not in dispute to the address that you have provided. If you are later determined to be entitled to any disputed funds, will make an additional payment of those funds to you. Reasons may include, but are not limited to, the following:

  • reports of unauthorized or unusual credit card use associated with the User account including, but not limited to, notice by the card issuing bank;
  • reports of unauthorized or unusual bank account use associated with the User account;
  • receipt of potentially fraudulent funds;
  • excessive disputes or chargebacks;
  • refusal to cooperate in an investigation or provide confirmation of identity when requested;
  • sending unsolicited email or posting referral links on iOS or Android Applications where they are not permitted;
  • opening multiple User accounts under different names to facilitate fraudulent activity;
  • Suspected violations of the User Agreement;
  • name on the PayPal account associated with the User account does not match the name on the User account;
  • use of an anonymizing proxy; and
  • any other circumstances which cause to believe that a User account may be being used for fraudulent purposes.