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Tamu Coin Policy

Effective: 25 May 2026 · Last updated: 25 May 2026

Important Notice: Tamu Coins are in-app rewards only. They are not cryptocurrency, cash, securities, or investment products. Redemption eligibility is subject to Tamu's rules and applicable law. No cash value is guaranteed.

1. What Are Tamu Coins?

Tamu Coins ("Coins") are virtual in-app reward units used exclusively within the Tamu platform. Coins have no monetary value, are not legal tender, currency, cryptocurrency, securities, investment products, or financial instruments of any kind. Coins cannot be exchanged for cash or cash equivalents outside the Tamu platform and do not constitute property under any applicable law unless specifically required by the law of your jurisdiction.

2. How Coins Are Earned

Creators may earn Coins through the following mechanisms: (a) receiving Gifts from other users during live streams or on posted content; (b) participating in eligible brand campaigns; (c) referring new users to the Tamu platform (subject to the Referral Programme Terms); (d) completing promotional or engagement activities designated by Tamu at its discretion. Coins earned through referral or promotional activities ("Promotional Coins") are distinct from Coins earned through fan gifts ("Gifted Coins"). Tamu reserves the right to categorise, limit, or expire Coins by type.

3. Coin Gifting

Users may purchase Coins through supported in-app payment channels (Apple App Store, Google Play, or web payment processors) and send them as virtual gifts to creators. The price of Coin packs is displayed in local currency at point of purchase. Due to platform fees charged by Apple and Google, the number of Coins available per unit of currency may differ between Web, iOS, and Android channels. Tamu will display the applicable Coin quantity clearly before purchase is finalised. All Coin purchases are final. No refunds are provided except as required by applicable law or our Refund Policy.

4. Creator Coin Redemption

Creators who have (a) completed KYC/AML identity verification, (b) accrued the minimum required Coin balance, (c) agreed to Tamu's Creator Terms, and (d) provided valid payout details may submit a redemption request. Redemption requests are subject to: (i) Tamu's review and approval in its sole discretion; (ii) applicable fraud and compliance checks; (iii) platform fee deductions; (iv) applicable tax withholding where required by law; and (v) minimum redemption thresholds set in Tamu's fee configuration. Tamu reserves the right to reject, hold, or reverse any redemption request at any time, including if fraudulent activity, policy violations, or legal obligations are identified.

5. Coin Valuation

Coins do not have a fixed or guaranteed exchange rate. Any estimated coin value displayed in-app is for informational purposes only and does not constitute a binding offer or guarantee of redemption value. Tamu may change the coin-to-currency conversion factor at any time with reasonable notice. Historical conversion rates do not guarantee future rates.

6. Promotional Coins

Coins distributed through referral bonuses, promotional campaigns, or platform incentives ("Promotional Coins") are subject to additional restrictions. Promotional Coins: (a) may carry expiry dates; (b) may not be eligible for redemption; (c) may be subject to separate eligibility criteria; and (d) carry no monetary value and cannot be guaranteed to convert to any payout. Tamu will clearly label Promotional Coins separately from Gifted Coins in your wallet. Never rely on Promotional Coins as a source of income.

7. No Guarantee of Income

Tamu makes no guarantee that any creator will receive income from Coin accumulation, brand campaigns, or any other activity on the platform. Creator earnings are variable, non-guaranteed, and depend on audience engagement, platform activity, campaign bookings, and other factors outside Tamu's control. All income projections or estimates displayed in marketing materials are illustrative only.

8. Platform Fee Deductions

When processing Coin purchases, Tamu deducts platform fees (Apple App Store: up to 30%, Google Play: up to 15–30%, web processors: approximately 2.9% + fixed fee). Additional reserves may be held for refund risk, chargeback risk, and fraud prevention. These deductions reduce the net revenue available for creator payouts. Creator payout share is calculated as a percentage of net eligible revenue after all deductions. Tamu publishes its current fee structure in the Creator Dashboard.

9. Taxes

Creators are solely responsible for understanding and complying with their applicable tax obligations in relation to any income, benefits, or rewards received through Tamu, including but not limited to income tax, VAT, withholding tax, and digital services taxes. Tamu may be required by law to withhold taxes from creator payouts in certain jurisdictions. Tamu will provide available tax documentation as required by law but is not responsible for providing tax advice. You are strongly encouraged to seek independent tax advice.

10. Coin Expiry and Account Closure

Coins in an account that has been inactive for more than 12 consecutive months, or that has been suspended or terminated for policy violations, may be forfeited without compensation. Tamu will attempt to provide 30 days' notice before expiring Coins where technically practicable. Upon account closure, all Coin balances are forfeited unless otherwise required by applicable law.

11. Fraud and Abuse

Any attempt to manipulate, duplicate, or fraudulently acquire Coins is strictly prohibited and will result in immediate suspension, forfeiture of all Coin balances, and may result in legal action. This includes but is not limited to: creating fake accounts, farming Coins through automated means, self-gifting through secondary accounts, and participating in coordinated referral fraud rings. Tamu operates automated fraud detection systems and reserves the right to reverse any transactions that are identified as fraudulent, including after payout.

12. Changes to This Policy

Tamu may update this Coin Policy at any time. Material changes will be communicated via in-app notification, email, or posting on our website with at least 14 days' notice where practicable. Your continued use of Tamu Coins after the effective date of changes constitutes acceptance of the revised policy.

13. Contact

For questions about this policy or your Coin balance, contact Tamu Support at support@tamu.social or through the in-app Help Centre.

This policy is part of the Tamu Terms of Service and Creator Agreement. In the event of conflict, the Creator Agreement shall take precedence for creators.

Tamu Social Ltd · Nairobi, Kenya · support@tamu.social

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