Payment Processing Compliance

xchar operates in compliance with the requirements of our payment processing partner, CCBill LLC. This includes adherence to their Merchant Acceptable Use Policy (AUP) which governs the types of content and business practices permitted on our platform.

All users of xchar agree to comply with these payment processor requirements as part of our Terms of Service and Community Guidelines.

In addition to our standard community guidelines, the following are specifically prohibited:

• Spamming or unsolicited bulk communications
• Content involving minors or using terminology associated with underage individuals
• Bestiality or sexual content involving animals
• Extreme violence, incest, snuff, scat, or bodily waste in sexual contexts
• Gambling, betting, or games of chance
• Copyright or trademark infringement
• Misleading pricing or billing practices
• Use of credit card information for age verification

We maintain service standards to ensure compliance with payment processor requirements:

• Platform availability with minimal downtime for maintenance
• Regular content updates for subscription-based services
• Clear disclosure of all pricing, trials, and recurring charges
• Transparent billing practices and refund policies
• Responsive customer support for billing and account issues

Our platform is subject to monitoring by payment processor representatives to ensure ongoing compliance with their operating rules and regulations. This may include:

• Regular content audits and compliance reviews
• Investigation of reported violations
• Cooperation with card association requirements
• Documentation and record-keeping as required

Subscription packages are sold on a recurring basis. Before you complete a purchase, we disclose the subscription price, the billing interval (for example, monthly), and that the subscription renews automatically.

• By subscribing, you authorize us and our billing partner CCBill to charge your payment method the disclosed amount at the start of each billing period until you cancel.
• Your subscription renews automatically at the same price and interval unless you cancel before the next billing date.
• You can cancel at any time using the options in the Subscription Cancellation Policy below; cancellation stops all future renewals.
• After cancellation you keep access to your subscription benefits until the end of the current billing period. Renewal charges already incurred are non-refundable except as stated in our Terms of Service or required by law.
• The charge on your card statement appears under our billing descriptor, not the website name.

For customers with recurring subscription purchases, you have the right to cancel your subscription at any time to prevent future billing cycles.

To cancel or downgrade your subscription, choose one of the following options:

Violations of payment processor requirements may result in immediate action, including:

• Content removal or character deletion
• Account suspension or termination
• Withholding of funds pending compliance resolution
• Reporting to relevant authorities when required

For specific billing issues or payment-related concerns, please contact our billing partner CCBill directly at 1.888.596.9279 or [email protected].