Terms and Conditions

1. Who we are & how to contact us

We operate a social platform with live streaming and a peer-to-peer marketplace for physical and digital items. References to "we", "us" or "our" mean WHISPSOCIO LTD. References to "you" or "your" mean the individual using the service or, where relevant, the business they represent.

2. Using WhispSocio

2.1 Eligibility

• You must be at least 13 years old to create an account. If you are 13-17, you confirm you have consent from a parent or legal guardian.
• You must provide accurate registration details and keep them up to date.
• One personal account is permitted per individual. Business and creator accounts must be authorised for the organisation they represent.

2.2 Account security

• Keep your login credentials confidential and use a strong, unique password.
• Enable two-factor authentication when made available.
• Notify us immediately at security@whispsocio.com if you suspect unauthorised use. You are responsible for activity carried out under your account until you inform us.
• We may suspend or close accounts that are compromised, inactive for an extended period, or in breach of these terms.

2.3 Platform standards

You agree to use WhispSocio lawfully and respectfully. In particular you must not:

• Upload, stream, or sell anything illegal, infringing, or harmful.
• Harass, threaten, defame, or abuse others.
• Attempt to reverse engineer, interfere with, or disrupt the platform or its security features.
• Use automated tools (bots, scrapers) without written permission.
• Collect personal information from other users without a lawful basis.

3. User content & community conduct

3.1 Ownership and licence

You retain the intellectual property rights in the content you create. By posting or streaming on WhispSocio you grant us a worldwide, non-exclusive, royalty-free licence to host, display, distribute, and adapt your content for the purpose of operating, promoting, and improving the platform. This licence ends when your content is deleted from WhispSocio, except for reasonable archival copies and where retention is required by law.

3.2 Prohibited content

We remove or restrict content that:

• Is unlawful (including terrorism, child sexual abuse material, or the sale of prohibited goods).
• Incites hatred or discrimination, promotes self-harm, or glorifies violence.
• Contains nudity or sexually explicit material inconsistent with our community standards.
• Infringes third-party intellectual property rights.
• Constitutes spam, scams, or deceptive behaviour.

3.3 Moderation

We combine automated detection with human review to enforce these standards. Users can report content through on-site tools or via report@whispsocio.com. We aim to review most reports within 48 hours, prioritising safety-related issues. You may appeal moderation outcomes by emailing appeals@whispsocio.com within 14 days. Appeals are assessed by a reviewer not involved in the original decision.

3.4 Intellectual property notices

If you believe content infringes your rights, email ip@whispsocio.com with the details required under UK notice-and-takedown law. We may share your notice with the user who posted the content. Repeat infringers may be suspended or banned.

4. Marketplace participation

4.1 Buying on WhispSocio

• When you purchase from a seller you enter into a contract with that seller. WhispSocio facilitates the transaction and provides buyer protection as set out in these terms.
• Prices are displayed in pounds sterling (GBP) unless otherwise stated. Taxes and delivery charges are shown before you confirm payment.
• You must ensure delivery details are correct. Buyers are responsible for customs duties or import taxes where applicable.

4.2 Selling on WhispSocio

• Sellers must be 18+ and complete our verification steps, including proof of identity and payout details.
• All listings must accurately describe the item or service, including pricing, availability, and any material conditions.
• Sellers must comply with consumer protection legislation, including the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.
• Orders should be dispatched within the timeframe stated in the listing. Keep proof of postage or delivery.
• Sellers must handle returns fairly and respond to buyer messages within a reasonable time (48 hours wherever possible).
• We may deduct marketplace fees and Stripe processing fees from payouts. Current fee structures are available in the seller dashboard and may change with notice.

4.3 Platform's role

WhispSocio provides the marketplace infrastructure, payment facilitation, and support escalation. We are not the seller of third-party goods or services. We may intervene to mediate disputes, hold funds, or issue refunds to protect buyers when a seller fails to meet their obligations.

5. Payments, coins & refunds

5.1 Payments

• Card payments are processed securely by Stripe Payments Europe, Limited or its affiliates. Stripe's terms may apply in addition to these terms.
• We may offer additional payment methods (for example, bank transfer or PayPal) which will be subject to their own terms.
• Virtual currency ("Coins") can be purchased in-app. The price and any promotional bonuses are displayed at the point of purchase.

5.2 Virtual currency

• Coins are a limited, non-transferable licence to use specific digital features on WhispSocio. They are not redeemable for cash.
• Coins expire if your account is closed. We may adjust coin bundles or pricing with reasonable notice.
• Purchases of digital content and coins are generally non-refundable once delivered, except where required by law (for example, where the content is faulty).

5.3 Refunds & chargebacks

• You have statutory rights to a refund for faulty goods, misleading descriptions, or where a seller fails to deliver.
• Physical goods purchased from UK sellers qualify for a 14-day cooling-off period under the Consumer Contracts Regulations, unless an exemption applies (for example bespoke or perishable items). Inform the seller and us within 14 days of delivery to exercise this right.
• Services and digital content may be provided immediately if you expressly request early supply and acknowledge that your cancellation right is lost once delivery starts.
• If you dispute a charge with your payment provider, we may suspend your account pending investigation.

6. Consumer information

• Pre-contract information. Key details about the seller, pricing, delivery, and cancellation rights are presented before you place an order.
• Receipts and invoices. You will receive email confirmation after purchase. Sellers are responsible for providing VAT invoices where required.
• Records. We recommend you download or print a copy of these terms and any order confirmations for future reference.

7. Liability & legal terms

7.1 Service availability

We aim to keep WhispSocio available and secure but do not guarantee uninterrupted access. Scheduled maintenance, updates, or events outside our control (for example, internet outages) may affect availability.

7.2 What we do not exclude

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded under UK law.

7.3 What we can limit

• We are not responsible for losses that are not reasonably foreseeable when you agree to these terms.
• We are not liable for business losses, including loss of profit, revenue, goodwill, or business interruption.
• For paid services provided directly by us, our total liability is limited to the fees you have paid to us in the 12 months before the event giving rise to the claim.
• We are not liable for the actions of other users or third-party services (including sellers, payment processors, and linked sites).

7.4 Indemnity

You agree to reimburse us for losses arising out of your breach of these terms, unlawful conduct, or infringement of third-party rights, except to the extent those losses result from our own negligence or misconduct.

8. Suspension & termination

• We may suspend or terminate your access if you materially breach these terms, create risk or legal exposure for us, or fail to pay sums due.
• We will normally notify you before suspension, explaining the reasons and how to appeal, unless notice would prejudice an investigation or violate the law.
• You may close your account at any time in the settings menu. Account deletion triggers a 30-day grace period before permanent deletion, during which you can reactivate.
• We may retain certain information after closure where required for legal, regulatory, or auditing purposes.

9. Resolving disputes

1. Contact us first. Email disputes@whispsocio.com with a summary of the issue.
2. Mediation. We may propose mediation with an independent Alternative Dispute Resolution (ADR) provider. If you are a consumer, we will provide ADR details upon request.
3. Courts. These terms are governed by the law of England and Wales. You and we submit to the exclusive jurisdiction of the courts of England and Wales, except that consumers resident in Scotland or Northern Ireland may bring proceedings in their home jurisdiction.

10. Updates & versioning

• We may update these terms to reflect legal, regulatory, or operational changes.
• Material changes will be notified at least 30 days in advance via email or on-site notice. Continued use after the effective date constitutes acceptance.
• Minor edits (for example clarifications or corrections) take effect immediately upon publication.

11. Regional variations

WhispSocio is operated from the United Kingdom. We comply with UK law and honour mandatory consumer protections in the regions where our users are located. The following additional terms apply where required:

If you are unsure how these regional variations affect you, contact us at legal@whispsocio.com so we can clarify your rights before you use paid features.

Version history

• Version 2.1 (10 November 2025) – Updated for UK consumer law, clarified marketplace roles, and added regional variations.
• Version 2.0 (15 September 2025) – Introduced marketplace and streaming provisions.
• Version 1.0 (1 May 2024) – Initial publication.