These terms govern your use of the Chats Coco platform. Please read them carefully before creating an account or offering mentorship services.
CHAT COCO — TERMS OF USE
Welcome to Chat Coco operated by ChatsPub Ventures (OPC) Private Limited
These Terms of Use (“Terms”, “Terms of Use” or “Agreement”) govern your access to and use of the Chat Coco mobile application, website, features, content and related services (collectively, the **“Services”**).
By registering for, accessing, browsing or using Chat Coco, you acknowledge that you have read, understood and agreed to these Terms. If you do not agree with these Terms, please do not use Chat Coco.
---
## 1. About Chat Coco
Chat Coco is a social conversation and human-connection platform that enables users to interact with other users and verified listeners/counselors through **chat, audio calls, video calls and other digital interactions**.
Chat Coco is **not a dating or matchmaking application**. The platform is intended for friendly conversations, companionship, listening, social interaction and related online experiences.
Verified listeners/counselors may provide their time, communication skills, empathy and conversational support to users through the Services.
The Services are provided entirely online. **Chat Coco does not facilitate or encourage offline meetings between users and listeners/counselors.**
The Services and their features may change, expand or be discontinued from time to time.
---
# 2. Eligibility
### 2.1 Age Requirement
Chat Coco is available only to individuals who are **18 years of age or older**.
Minors are not permitted to create accounts, use the Services, participate in conversations, become listeners/counselors or receive earnings through the platform.
You represent and warrant that:
* You are at least 18 years old.
* You have the legal capacity to enter into these Terms.
* The information provided by you is accurate and complete.
* You have not previously been permanently suspended from Chat Coco.
* Your use of Chat Coco does not violate any applicable law.
We may request information or verification to confirm your age and eligibility. If we are unable to verify your eligibility, we may restrict, suspend or terminate your account.
---
# 3. Creating Your Account
To access certain Chat Coco features, you may be required to create an account.
You agree to:
* Provide accurate, current and complete information.
* Maintain the security of your account.
* Keep your login credentials confidential.
* Not share your account with another person.
* Not create an account on behalf of another person without authorization.
* Immediately notify us if you believe your account has been compromised.
You are responsible for all activities carried out through your account.
### One Person — One Account
Each person may maintain **only one Chat Coco account**, unless expressly permitted by Chat Coco.
Creating multiple accounts, using another person's account, selling or transferring an account, or creating false identities may result in account suspension or permanent termination.
---
# 4. Verified Listeners & Counselors
Chat Coco may offer a separate onboarding and verification process for individuals who wish to become **verified listeners or counselors**.
Verification may require submission of identity, contact, KYC or other information requested by Chat Coco.
By applying to become a listener/counselor, you agree that:
* All information and documents submitted must be genuine and accurate.
* You must not impersonate another person.
* You must not submit fake or altered KYC documents.
* You must follow Chat Coco's Community Guidelines.
* You must interact with users respectfully and professionally.
* You must not misuse the platform for the purpose of generating illegitimate earnings.
Verification does not guarantee continued access to the platform or any minimum number of conversations, calls, earnings or withdrawals.
Listeners/counselors are independent participants on the platform and are **not employees of ChatsPub Ventures (OPC) Private Limited**, unless separately agreed in writing.
---
# 5. Nature of Conversations
Chat Coco enables people to have friendly conversations and connect with listeners/counselors.
Listeners/counselors may listen to users, share perspectives, provide general suggestions, offer companionship and help users feel heard.
However:
**Chat Coco and its listeners/counselors do not guarantee any particular outcome from a conversation.**
Unless expressly stated otherwise, conversations on Chat Coco should **not be considered professional medical, psychological, psychiatric, legal, financial or other regulated professional advice**.
Users should seek qualified professionals where professional advice or emergency assistance is required.
---
# 6. Community & Conduct Rules
Everyone using Chat Coco is expected to behave respectfully.
You must not:
* Harass, abuse, threaten or intimidate another person.
* Engage in bullying or hateful behavior.
* Discriminate against another person.
* Impersonate another individual, organization or brand.
* Share false or deliberately misleading information.
* Ask another user for money or financial assistance.
* Request or facilitate direct money transfers outside Chat Coco.
* Ask users for personal contact information for unauthorized purposes.
* Share another person's private information without permission.
* Use Chat Coco for scams, fraud, phishing or illegal activities.
* Use multiple accounts to manipulate the platform.
* Attempt to manipulate ratings, reviews, calls, coins or earnings.
* Misuse any feature to generate illegitimate earnings.
* Attempt to bypass Chat Coco's systems or verification procedures.
These requirements are consistent with the existing Community Guidelines, which prohibit harassment, impersonation, scams, illegal activities, privacy violations and other harmful conduct.
---
# 7. No Nudity or Adult Content
Chat Coco has a **strict No Nudity and No Sexually Explicit Content policy**.
Users and listeners/counselors must not upload, share, display or transmit:
* Nudity.
* Pornographic or sexually explicit content.
* Sexually explicit images or videos.
* Sexual harassment or explicit sexual requests.
* Non-consensual intimate content.
* Sexual content involving minors.
* Any other unlawful or sexually exploitative content.
Any interaction or content that violates this policy may be immediately terminated or removed, and the relevant account may be suspended or permanently terminated.
---
# 8. No Dating or Matchmaking
**Chat Coco is not a dating or matchmaking platform.**
The platform is designed for conversations, companionship, listening and social interaction.
Users and listeners/counselors must not use Chat Coco to:
* Arrange romantic or sexual encounters.
* Promote prostitution or sexual services.
* Pressure another person into an offline meeting.
* Use the platform primarily as a dating or matchmaking service.
Any attempt to use Chat Coco contrary to its intended purpose may result in restrictions or termination.
---
# 9. Privacy & Personal Information
For your safety, you should avoid sharing sensitive personal information with other users.
This includes, where inappropriate or unauthorized:
* Phone numbers.
* Email addresses.
* Home addresses.
* Bank account details.
* OTPs or passwords.
* Government identification numbers.
* Social media account details.
* Other sensitive personal information.
Do not request or encourage another user to disclose sensitive personal information.
Our collection and use of personal information is governed by our **Privacy Policy**, which forms part of these Terms.
---
# 10. Audio, Video & Digital Interactions
Chat Coco may provide chat, audio call, video call and other digital interaction features.
Interactions may be private in nature and may not be actively monitored at all times. However, Chat Coco may use **automated, AI-based or other safety and moderation mechanisms** where appropriate and permitted by law.
We may terminate or restrict an interaction where we reasonably believe that it violates our Terms, Community Guidelines, safety requirements or applicable law.
Users should exercise caution when interacting with people they do not personally know.
---
# 11. Payments, Coins & Paid Services
Certain features of Chat Coco may require payment or may involve coins, credits or other digital units.
Where applicable:
* All payments must be made through the payment methods provided by Chat Coco or its authorized payment partners.
* **Direct payments between users and listeners/counselors are prohibited.**
* Users must not request or offer payment outside the platform.
* Chat Coco may change pricing, packages, features or payment structures from time to time.
* Applicable taxes and payment-processing charges may apply.
Any attempt to bypass the platform's payment system may result in account suspension or termination and may result in forfeiture of applicable wallet balances, subject to applicable law.
---
# 12. Listener Earnings & Withdrawals
Verified listeners/counselors may be eligible to earn through qualifying interactions on Chat Coco.
Eligibility, earning rates, minimum requirements and withdrawal rules may be determined by Chat Coco and may change from time to time.
### Withdrawal Processing
Eligible withdrawals are generally processed within **2–3 business working days**, subject to:
* Successful verification.
* Accurate bank/payment information.
* Applicable minimum withdrawal requirements.
* Fraud and compliance checks.
* Account status.
* Compliance with these Terms and Community Guidelines.
Chat Coco does not guarantee a minimum level of earnings, calls, users, interactions or withdrawal amounts.
### Deductions & Penalties
Where permitted under applicable policies, **reports, poor ratings, policy violations, fraudulent activity, misuse of the platform or other misconduct may result in withdrawal deductions, withholding of earnings, suspension or termination of the account.**
The exact deduction may depend on the nature and severity of the violation.
---
# 13. No Direct Money Transfers
Users and listeners/counselors must **not exchange money directly with each other**.
Do not:
* Ask another person to transfer money.
* Request financial help.
* Share bank details for direct transfers.
* Ask for loans or monetary favors.
* Offer to pay another user outside Chat Coco.
Chat Coco is not responsible for losses arising from payments or transfers made outside the platform.
---
# 14. Content Uploaded by Users
You retain responsibility for content that you upload, publish, transmit or share through Chat Coco.
You represent that you have the necessary rights and permissions to share such content.
By uploading or submitting content to Chat Coco, you grant ChatsPub Ventures (OPC) Private Limited the rights necessary to host, store, process, display and distribute that content as required to operate and provide the Services, subject to applicable law and our Privacy Policy.
You must not upload content that:
* Infringes another person's intellectual property rights.
* Violates another person's privacy.
* Is unlawful or harmful.
* Contains prohibited adult or sexual content.
* Promotes violence, harassment or discrimination.
* Contains malware or malicious code.
* Is fraudulent or deceptive.
---
# 15. Prohibited Activities
You must not use Chat Coco to:
* Commit or facilitate illegal activities.
* Conduct fraud or scams.
* Promote gambling or unlawful financial activities.
* Promote prostitution or trafficking.
* Distribute malware or malicious software.
* Scrape or collect platform data without authorization.
* Reverse engineer or attempt to access source code.
* Circumvent security or technical restrictions.
* Use bots or automated systems to manipulate the platform.
* Interfere with the operation of Chat Coco.
* Attempt to gain unauthorized access to another account.
* Manipulate ratings, reviews, calls, coins or earnings.
The existing Terms similarly prohibit unauthorized automation, scraping, impersonation, harassment, illegal activities, malicious software and interference with the Services.
---
# 16. Intellectual Property
All rights, title and interest in Chat Coco, including its:
* Name and trademarks.
* Logo and branding.
* Application design.
* Website.
* Software.
* Graphics.
* Text and other company-created materials.
belong to ChatsPub Ventures (OPC) Private Limited or its applicable licensors.
You may not copy, reproduce, modify, distribute, sell, reverse engineer or commercially exploit any part of Chat Coco without prior written permission.
---
# 17. Third-Party Services
Chat Coco may use third-party providers for services such as:
* Payment processing.
* Identity/KYC verification.
* Notifications.
* Hosting.
* Analytics.
* Technical infrastructure.
Third-party services may be governed by their own terms and privacy policies. Chat Coco is not responsible for the independent policies or practices of third-party services.
---
# 18. Account Suspension & Termination
We reserve the right to restrict, suspend or permanently terminate an account where we reasonably believe that a user:
* Violates these Terms.
* Violates Community Guidelines.
* Provides false information.
* Uses fake KYC information.
* Operates multiple accounts.
* Engages in fraud or misuse.
* Abuses or harasses other users.
* Uploads prohibited content.
* Attempts to manipulate earnings or platform systems.
* Uses Chat Coco for illegal activities.
* Creates a safety, legal or financial risk to the platform or its users.
We may also remove content or restrict specific features where necessary to protect the community or comply with applicable law.
Depending on the circumstances and applicable law, violations may also result in withholding or forfeiture of applicable wallet balances or earnings.
---
# 19. Disclaimer
Chat Coco is provided on an **“as is” and “as available”** basis to the extent permitted by applicable law.
We do not guarantee that:
* The Services will always be available.
* The Services will be error-free.
* Every listener/counselor will be available at all times.
* Any particular conversation will produce a specific outcome.
* Users will receive a particular amount of earnings.
* Any particular content or information provided by another user is accurate or reliable.
Users interact with other users and listeners/counselors at their own discretion and risk. We do not endorse or guarantee the statements, behavior or content of individual users.
---
# 20. Limitation of Liability
To the maximum extent permitted by applicable law, ChatsPub Ventures (OPC) Private Limited, its directors, employees, agents, affiliates, partners and service providers shall not be liable for indirect, incidental, special, consequential or punitive damages arising from your use of or inability to use Chat Coco.
This includes, to the extent permitted by law, loss of profits, data, goodwill, opportunities or other intangible losses.
Nothing in these Terms excludes liability that cannot legally be excluded under applicable law.
---
# 21. Indemnification
You agree to indemnify and hold harmless ChatsPub Ventures (OPC) Private Limited, its directors, employees, agents, affiliates, contractors and service providers from claims, losses, liabilities, damages and expenses arising from:
* Your use of Chat Coco.
* Your violation of these Terms.
* Your violation of applicable law.
* Your content.
* Your violation of another person's rights.
This provision applies to the extent permitted by applicable law.
---
# 22. Changes to the Services or Terms
Chat Coco may modify, update, suspend or discontinue any feature or part of the Services at any time.
We may also update these Terms from time to time.
When we make material changes, we may provide notice through the application, website, email, notification or other appropriate means.
Your continued use of Chat Coco after the updated Terms become effective constitutes acceptance of the revised Terms, subject to applicable law.
---
# 23. Governing Law & Jurisdiction
These Terms are governed by the **laws of India**.
Subject to applicable law, the courts located in **Nagpur, Maharashtra, India** shall have exclusive jurisdiction over disputes arising from or relating to these Terms or the Services.
---
# 24. Grievance Redressal
If you have a complaint, concern or grievance regarding Chat Coco, you may contact our designated Grievance Officer.
### **Grievance Officer**
Name: Mr. Aditya Mendhe
Company: ChatsPub Ventures (OPC) Private Limited
Address: Plot No. 93, Misal Layout, Post Jaripatka, Nagpur, Maharashtra, India – 440014
Phone: +91 8010618296
Email: chatcoco.app@gmail.com
For faster resolution, please include your **registered account details, transaction/order ID where applicable, relevant screenshots or evidence, and a clear description of the issue**. The existing grievance document specifies a response target of 24–48 hours.
---
# 25. Refund & Cancellation
Where a paid feature or service is offered, refund and cancellation eligibility will be governed by the applicable **Refund & Cancellation Policy** displayed by Chat Coco.
Unless otherwise required by applicable law or expressly stated in the applicable policy:
* Completed/executed paid services may not be refundable.
* User errors may not qualify for refunds.
* Technical issues may be assessed on a case-by-case basis.
* Applicable payment-processing or transaction charges may be deducted where permitted.
* Approved refunds may generally be processed within **5–7 business days**.
The applicable refund policy may be updated from time to time.
---
# 26. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to remain in effect to the extent permitted by law.
---
# 27. Entire Agreement
These Terms, together with the **Privacy Policy, Community Guidelines, Refund & Cancellation Policy and any other policies specifically referenced by Chat Coco**, constitute the agreement between you and ChatsPub Ventures (OPC) Private Limited regarding your use of the Services.
If you do not agree with these Terms or any applicable policy, you should discontinue use of Chat Coco.
---
## Contact Us
Chat Coco
Operated by ChatsPub Ventures (OPC) Private Limited
Registered Office:
ChatsPub Ventures (OPC) Private Limited
Plot No. 93, Misal Layout,
Post Jaripatka, Nagpur,
Maharashtra, India – 440014
Email: chatcoco.app@gmail.com
Phone:+91-8010618296
Website- https://www.chatcoco.in
# PLATFORM COMMUNITY, SAFETY & CONTENT GUIDELINES
## Chat Coco
**Operated by:**
**ChatsPub Ventures (OPC) Private Limited**
Important Legal Review Notice
> This document is a structured Community, Safety & Content Policy for Chat Coco based on the policy framework provided. It is not legal advice or a guarantee of legal enforceability. Before publication, ChatsPub Ventures (OPC) Private Limited should have the final version reviewed by qualified Indian counsel against Chat Coco's actual features, moderation systems, payment/withdrawal processes, data practices and applicable laws.
---
# 1. Purpose
These **Community, Safety & Content Guidelines** (“Guidelines”) apply to everyone using **Chat Coco**, including users, verified listeners, counselors, visitors and any other person accessing or using the platform.
These Guidelines are intended to maintain a **safe, respectful, genuine and positive environment** for everyone.
They supplement Chat Coco's:
* Terms of Use
* Privacy Policy
* Refund & Cancellation Policy
* Listener/Counselor policies
* Other applicable platform policies
By accessing or using Chat Coco, you agree to follow these Guidelines.
---
# 2. Our Community Values
Chat Coco is built around **friendly conversations, listening, empathy and meaningful human connection**.
Everyone on the platform is expected to:
* 🤝 Treat others with dignity and respect.
* 💬 Communicate politely and appropriately.
* 👂 Listen patiently and understand the other person's situation.
* 🧘 Stay calm and avoid unnecessary arguments.
* ❤️ Be empathetic and considerate.
* 🔐 Respect personal boundaries and privacy.
* ✅ Provide genuine and accurate information.
* 🚫 Never misuse the platform or its features.
* ⚖️ Follow applicable laws and Chat Coco policies.
**Be genuine. Be respectful. Be responsible.**
---
# 3. Chat Coco Is Not a Dating App
**Chat Coco is not a dating or matchmaking platform.**
The platform is intended for:
* Friendly conversations
* Listening and companionship
* Social interaction
* Sharing experiences
* General perspectives and suggestions
* Positive and meaningful conversations
Users must not use Chat Coco primarily to arrange romantic, sexual or offline encounters.
Do not pressure another person to meet offline or attempt to turn conversations into unwanted romantic or sexual interactions.
---
# 4. Respectful Behaviour
Every user is responsible for maintaining respectful communication.
### Do not:
* Abuse or insult another person.
* Harass, threaten or intimidate anyone.
* Bully or humiliate other users.
* Use hateful or discriminatory language.
* Make unwanted sexual comments or requests.
* Deliberately provoke or disturb another person.
* Continue contacting someone after they have clearly asked you to stop.
* Make threats or encourage violence.
* Misuse someone's personal or emotional situation.
Disagreements are allowed, but **abusive or threatening behaviour is not**.
---
# 5. No Money or Favour Requests
For the safety of the community, users and listeners must **not ask other users for money or financial assistance**.
Do not:
* Ask for money.
* Request loans.
* Ask for financial help.
* Request money transfers.
* Ask for expensive gifts or financial favours.
* Share bank details for direct transfers.
* Encourage users to pay outside Chat Coco.
### Important
**Never transfer money to another user or listener outside the authorised Chat Coco payment system.**
If someone asks you for money or financial help, please report the account immediately.
---
# 6. No OTP or Sensitive Information Sharing
Never ask another user for:
* OTPs or verification codes
* Passwords
* UPI PINs
* Banking credentials
* Debit/credit card details
* Aadhaar details
* PAN details
* Passport details
* Other sensitive identity documents
Similarly, never share your own sensitive information with another user unless there is a legitimate and authorised reason.
**Chat Coco will never require you to share your OTP or UPI PIN with another user.**
---
# 7. Genuine Profiles Only
Every account on Chat Coco must represent a **real person**.
Users and verified listeners must:
* Use genuine information.
* Upload a genuine profile picture.
* Maintain an honest and appropriate bio.
* Use a decent and appropriate profile name.
* Represent themselves accurately.
You must not:
* Pretend to be someone else.
* Use another person's photograph.
* Impersonate a celebrity, professional or public figure.
* Create a fake identity.
* Misrepresent your qualifications or experience.
* Use fake or misleading profile information.
---
# 8. KYC & Verification Rules
If Chat Coco requires KYC or identity verification, all information and documents submitted must be **genuine, accurate and belong to the account holder**.
You must not:
* Submit fake KYC documents.
* Alter or manipulate documents.
* Submit someone else's documents.
* Provide false identity information.
* Attempt to bypass the verification process.
Any attempt to manipulate or bypass verification may result in **immediate suspension or permanent account termination**.
---
# 9. One Person — One Account
Each individual is permitted to maintain **only one Chat Coco account**, unless Chat Coco expressly authorises otherwise.
Creating or operating multiple accounts to:
* Manipulate the platform
* Obtain additional benefits
* Circumvent restrictions
* Increase earnings
* Manipulate ratings
* Evade suspension
is a **policy violation**.
Multiple or duplicate accounts may be suspended or permanently terminated.
---
# 10. Profile Picture & Bio Guidelines
Your profile should present you in a **genuine, decent and respectful manner**.
### Profile Picture
Please upload:
* A genuine picture of yourself.
* A clear and appropriate photograph.
* A decent profile image suitable for a public platform.
Do not upload:
* Nude or sexually explicit images.
* Images belonging to another person.
* Misleading or fake images.
* Offensive or inappropriate images.
### Bio
Your bio should:
* Describe you honestly.
* Be clear and meaningful.
* Be respectful.
* Avoid offensive or sexually explicit language.
* Not contain misleading claims.
---
# 11. Adult, Nudity & Sexually Explicit Content
Chat Coco follows a **strict No Nudity and No Sexually Explicit Content policy**.
You must not upload, send, display or share:
* Nude images.
* Pornographic material.
* Sexually explicit photographs or videos.
* Explicit sexual messages.
* Sexual solicitation.
* Sexual services or offers.
* Non-consensual intimate content.
* Content involving sexual exploitation.
* Any prohibited sexual content involving minors.
Such content may be removed immediately and the account may be suspended or permanently terminated.
---
# 12. Child Safety
Chat Coco is intended for **adults aged 18 and above**.
Any content involving the sexual exploitation, abuse or inappropriate sexualisation of minors is strictly prohibited.
Users must never:
* Request sexual content from a minor.
* Share sexual content involving a minor.
* Encourage or facilitate exploitation of minors.
* Attempt to contact minors for inappropriate purposes.
Any suspected illegal activity may be reported to the appropriate authorities where required or permitted by law.
---
# 13. Prohibited Content
You must not upload, share or distribute content that contains:
* Pornography or prohibited sexually explicit material.
* Child sexual abuse material.
* Graphic violence or gore.
* Hate speech.
* Unlawful discrimination.
* Threats or encouragement of violence.
* Defamatory or deliberately misleading content.
* Content promoting illegal activities.
* Illegal goods or services.
* Malware or malicious software.
* Phishing links.
* Content that infringes intellectual property rights.
* Content encouraging dangerous or unlawful activities.
Chat Coco may remove content that violates these Guidelines without prior notice where necessary to protect users or the platform.
---
# 14. Fraud, Scams & Deception
Chat Coco has **zero tolerance for fraud and scams**.
You must not use the platform to:
* Defraud another person.
* Obtain money through deception.
* Run fake investment schemes.
* Promote fraudulent opportunities.
* Phish for login or financial information.
* Create fake identities.
* Misrepresent your relationship or intentions.
* Manipulate users into making payments.
* Conduct any other deceptive activity.
Suspected fraudulent activity may result in immediate account restrictions or termination.
---
# 15. Misuse of the Platform for Earnings
Verified listeners may earn through eligible interactions on Chat Coco.
However, the platform must not be manipulated solely to generate illegitimate earnings.
Listeners must not:
* Create fake interactions.
* Use multiple accounts to generate earnings.
* Manipulate calls or chats.
* Artificially increase activity.
* Manipulate ratings or reviews.
* Encourage users to perform unnecessary transactions.
* Exploit technical issues to obtain coins or earnings.
* Collude with other users to manipulate the platform.
Any earnings generated through fraud, manipulation or policy violations may be **withheld, adjusted or deducted where permitted by applicable law and platform policies**.
---
# 16. Listener & Counselor Responsibilities
Verified listeners/counselors are expected to maintain a higher standard of conduct because users may approach them during difficult or emotional situations.
Listeners should:
* Be patient.
* Listen carefully.
* Be polite and empathetic.
* Understand the situation before responding.
* Avoid unnecessary arguments.
* Provide general perspectives where appropriate.
* Respect personal boundaries.
* Maintain appropriate communication.
* Avoid making unrealistic promises.
* Encourage professional help when a situation requires qualified professional assistance.
Listeners must not claim to provide professional medical, psychological, legal or other regulated services unless they are appropriately qualified and authorised to do so.
---
# 17. No Guaranteed Outcomes
Listeners and counselors must not promise guaranteed results from conversations.
Do not claim that you can:
* Guarantee a relationship outcome.
* Guarantee reconciliation after a breakup.
* Guarantee a person's emotional recovery.
* Provide guaranteed medical or psychological outcomes.
* Guarantee financial or legal outcomes.
Conversations on Chat Coco are intended to provide **friendly interaction, listening and general perspectives**, not guaranteed professional outcomes.
---
# 18. No Off-Platform Diversion
Users and listeners should not use Chat Coco to circumvent platform systems.
Listeners must not deliberately divert users to external platforms for the purpose of:
* Avoiding Chat Coco payments.
* Conducting unauthorised paid interactions.
* Continuing prohibited interactions.
* Manipulating platform earnings.
Sharing personal contact information may also create safety and privacy risks and should be avoided unless specifically permitted by Chat Coco.
---
# 19. Intellectual Property
Users are responsible for ensuring that content they upload or share is legally permitted.
You may upload or share content only when:
* You own it;
* You have permission to use it; or
* You otherwise have a legal right to publish it.
Do not upload copyrighted photographs, videos, music, text or other material without the required rights or permission.
If Chat Coco receives a valid intellectual-property complaint, it may remove or restrict the relevant content while investigating the matter.
Repeated infringement may result in account suspension or termination.
---
# 20. Ratings & Reviews
Ratings and reviews should reflect **genuine user experiences**.
Users must not:
* Manipulate ratings.
* Create fake reviews.
* Ask for dishonest ratings.
* Threaten users for giving low ratings.
* Coordinate fake positive reviews.
* Deliberately submit malicious or fraudulent reviews.
Similarly, listeners must not attempt to manipulate ratings or reviews to increase earnings or visibility.
Poor ratings and genuine reports may affect account standing and, where applicable under platform policies, may result in **deductions from eligible withdrawals**.
---
# 21. Reporting Violations
Users are encouraged to report:
* Abusive behaviour.
* Harassment.
* Fake profiles.
* Impersonation.
* Money requests.
* Payment scams.
* Inappropriate content.
* Nudity or adult content.
* Fraud.
* Multiple accounts.
* Misuse of the platform.
* Fake KYC information.
* Intellectual-property violations.
* Other Community Guideline violations.
Reports may be submitted through available in-app reporting tools or by contacting:
**[chatcoco.app@gmail.com](mailto:chatcoco.app@gmail.com)**
Please provide sufficient information, such as the relevant profile, conversation, transaction or screenshots, where appropriate.
---
# 22. False or Malicious Reports
Reporting genuine violations helps keep Chat Coco safe.
However, deliberately submitting **false, fabricated or malicious reports** against another user is itself a policy violation.
We may take action where a reporting system is intentionally abused to:
* Harass another user.
* Damage another person's reputation.
* Manipulate ratings.
* Cause wrongful suspension.
* Obtain financial or other benefits.
---
# 23. Safety Recommendations
For your own safety, we strongly recommend:
### Never share:
* OTPs
* Passwords
* UPI PINs
* Banking credentials
* Full identity documents
* Home address
* Sensitive financial information
### Be cautious when:
* Someone asks for money.
* Someone asks you to move conversations outside Chat Coco.
* Someone claims to represent Chat Coco.
* Someone requests personal documents.
* Someone promises guaranteed earnings or benefits.
* Someone asks you to download unknown applications or files.
If something feels suspicious, **stop the interaction and report it.**
---
# 24. Wallet, Coins & Earnings
Where Chat Coco provides virtual coins, credits or wallet functionality:
* Coins are digital units used within the platform.
* Coins do not represent ownership of money or assets outside the platform.
* Coins cannot be transferred or sold outside authorised platform features.
* Coins obtained through fraud, technical errors or policy violations may be revoked.
* Wallet functionality may be restricted during investigations involving fraud, security or policy violations.
Eligible listener earnings and withdrawals are governed by the applicable **Terms of Use and Listener/Earnings Policy**.
---
# 25. Withdrawal Restrictions & Penalties
Chat Coco aims to maintain a fair and safe environment for both users and listeners.
Where applicable under platform policies, **multiple reports, poor ratings, serious complaints, policy violations, fraudulent activity or misuse of the platform may result in deductions from eligible withdrawal amounts or withholding of withdrawals while an investigation is conducted.**
Depending on the seriousness of the violation, additional action may include:
* Warning
* Feature restriction
* Temporary suspension
* Removal of verification
* Withdrawal restriction
* Permanent account termination
---
# 26. Prohibited Manipulation & Automation
Unless expressly authorised by Chat Coco, users must not use:
* Bots
* Scripts
* Automated engagement
* Scraping tools
* Automated account creation
* Unauthorised third-party software
* Artificial traffic
* Fake engagement systems
You must not attempt to interfere with Chat Coco's servers, application, security systems or technical infrastructure.
---
# 27. Platform Security
You must not attempt to:
* Access another user's account.
* Obtain unauthorised access to Chat Coco systems.
* Circumvent security measures.
* Reverse engineer the application.
* Exploit bugs for personal benefit.
* Distribute malware.
* Conduct phishing attacks.
* Interfere with platform operations.
If you discover a security vulnerability, please report it responsibly to:
**[chatcoco.app@gmail.com](mailto:chatcoco.app@gmail.com)**
---
# 28. Enforcement & Account Actions
Chat Coco may take appropriate action when these Guidelines are violated.
Depending on the seriousness, frequency and impact of the violation, actions may include:
### ⚠️ Warning
A warning may be issued for less serious violations.
### 🗑️ Content Removal
Violating content may be removed.
### 🔒 Feature Restrictions
Certain features, chats, calls or account functions may be restricted.
### 💰 Wallet Restrictions
Wallets or withdrawals may be temporarily restricted during investigations.
### ❌ Verification Removal
Listener verification may be removed.
### ⛔ Suspension
An account may be temporarily suspended.
### 🚫 Permanent Termination
Serious or repeated violations may result in permanent account suspension.
### ⚖️ Legal Reporting
Where appropriate or required, unlawful conduct may be reported to competent authorities.
Chat Coco may take action **without prior notice** where immediate action is necessary to protect users, prevent fraud, preserve evidence or comply with applicable law.
---
# 29. Factors Considered During Enforcement
When deciding appropriate action, Chat Coco may consider:
* Nature of the violation.
* Severity of the conduct.
* Whether another person was harmed.
* Whether the violation was intentional.
* Previous violations.
* Number of complaints.
* Evidence available.
* Financial impact.
* Safety implications.
* Whether the conduct is repeated.
Not every violation will result in the same penalty.
---
# 30. Cooperation With Authorities
ChatsPub Ventures (OPC) Private Limited may cooperate with lawful requests from:
* Courts.
* Law-enforcement agencies.
* Government authorities.
* Regulatory bodies.
* Other competent authorities.
Where permitted by law, disclosures will be limited to information reasonably necessary to comply with legal obligations or protect the rights, safety or property of Chat Coco, its users or the public.
---
# 31. Policy Updates
These Community Guidelines may be updated from time to time to reflect:
* Changes in applicable law.
* New Chat Coco features.
* Changes to safety systems.
* Changes to moderation practices.
* New risks or abuse patterns.
* Changes to business operations.
The updated version will be published on the applicable Chat Coco website or application.
Your continued use of Chat Coco after an updated version becomes effective means that you agree to comply with the updated Guidelines, subject to applicable law.
---
# 32. Contact & Grievances
For questions, complaints, safety concerns or policy violations, contact:
### **Chat Coco**
**Operated by ChatsPub Ventures (OPC) Private Limited**
📧 **Email:** [chatcoco.app@gmail.com](mailto:chatcoco.app@gmail.com)
For account-related complaints, please provide:
* Your registered name or account details
* Relevant profile information
* Transaction details, where applicable
* Screenshots or other supporting information
* A clear description of the issue
This helps our team investigate and respond efficiently.
---
# 33. Our Simple Community Promise
Chat Coco is built around a simple idea:
### **Listen. Understand. Respect.**
Whether you're using Chat Coco to find someone to talk to or you're a verified listener helping someone through a difficult day, everyone has a role in keeping the community safe.
**Be genuine. Be kind. Respect boundaries. Don't ask for money. Don't misuse the platform. Follow the rules.**
Together, we can make Chat Coco a **safe, friendly and positive place for meaningful conversations.**
---
## Final Acknowledgement
By accessing or using **Chat Coco**, you acknowledge that you have read, understood and agreed to follow these **Platform Community, Safety & Content Guidelines**.
Failure to follow these Guidelines may result in **content removal, warnings, feature restrictions, withdrawal restrictions, suspension, permanent account termination, or other appropriate action**, subject to applicable law.
**Chat Coco**
**Operated by ChatsPub Ventures (OPC) Private Limited**
**Email: [chatcoco.app@gmail.com](mailto:chatcoco.app@gmail.com)**
© 2026 Chats Coco. All rights reserved.