The agreement

1. Who may use MakeSpend

You must be at least 13, meet the minimum digital-consent age where you live, and be legally able to accept these terms. Anyone under 18 may not enter mature areas, sell age-restricted goods, or act as an adult creator. You must provide a valid email address and mobile number, keep them current, use your own identity, and protect your login.

2. Your content and license

You keep ownership of content you submit. You grant MakeSpend a worldwide, non-exclusive, royalty-free license to host, reproduce, format, translate, moderate, display, distribute, and make that content available only as needed to operate, improve, secure, and promote the service. The license ends when content is deleted except for lawful retention, backups, evidence, and content already shared by others.

3. Hubs

Creating a hub costs 500 makespends. Member access costs 50 makespends for seven days and covers forum posting and hub chat during that period. The hub creator receives 50% of eligible member dues as closed-loop makespends; the remainder supports platform operations. Creator shares have no cash value, cannot be withdrawn, and may be reversed for fraud, refunds, chargebacks, duplicate payments, or policy violations. Hub creators must moderate fairly and may not sell access outside MakeSpend to bypass these rules.

4. Makespends and payments

Makespends are revocable, closed-loop platform credits, not money, property, cryptocurrency, a deposit, or an investment. They have no cash value, cannot be transferred outside approved features, and cannot buy off-platform goods or services. Digital features in native apps use the app store’s required purchase system. Except where law or an app-store rule requires otherwise, completed credit purchases and consumed digital access are final. Unused purchased credits may be refundable only where required by law or the applicable store. We may correct balances affected by error, fraud, reversal, or abuse.

5. Marketplace boundary

MakeSpend is a discovery, community, and advertising service. It is not seller of record, escrow, payment processor, shipper, insurer, or guarantor for third-party goods or services. Transactions continue on the linked seller or marketplace and remain subject to that destination’s terms, refunds, taxes, safety rules, and buyer protections. Users may not list illegal, recalled, counterfeit, stolen, dangerous, or prohibited goods.

6. Moderation and accounts

You must follow the Community Guidelines and all applicable laws. We may filter, label, limit, demonetize, quarantine, remove, preserve, report, or disclose content; restrict features; suspend or terminate accounts; and cooperate with lawful requests. We may act without advance notice when necessary for safety, legal compliance, fraud prevention, or service integrity. Appeals are available at safety@makespend.com.

7. Service changes and availability

Features, prices, rankings, translations, retention periods, and availability may change. Public Square posts normally expire after 30 days unless boosted, and inactive member-built chatrooms may be deleted after 30 days. Automated translations may contain errors; the original language controls for disputes and moderation.

8. Disclaimers and liability

The service is provided “as is” and “as available” to the maximum extent permitted by law. MakeSpend does not endorse user content or guarantee identity, accuracy, availability, ranking, translation, or off-site transactions. To the maximum extent permitted by law, MakeSpend is not liable for indirect, incidental, special, consequential, or punitive damages. Rights that cannot lawfully be waived remain unaffected.

9. Contact and changes

Questions: support@makespend.com. Safety: safety@makespend.com. Legal notices: legal@makespend.com. Material changes will be posted with a new effective date and, when required, additional notice or consent.