Terms & Conditions

1. Acceptance of these Terms

By accessing or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service. If you use the Service on behalf of an organization, you represent that you are authorized to bind that organization to these Terms.

2. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a contract. You are responsible for ensuring that your use of Bitcoin, the Lightning Network, and the Service is legal in your jurisdiction, and for any tax obligations arising from donations you receive or send. You may not use the Service if you are barred from doing so under applicable law or are on any sanctions or prohibited-party list.

3. The Service — non-custodial by design

cheddar.chat provides software for streamers to receive Bitcoin donations, including donation pages, on-stream alert overlays, and chat-bot tipping tools. The Service is non-custodial. We never hold, custody, mint, control, or move your donation funds.

• Lightning donation invoices are minted by your own wallet through a Nostr Wallet Connect (NWC) connection whose permissions are scoped to creating and looking up invoices and receiving payment notifications only — never to spending or transferring funds.
• On-chain donations are received directly to addresses derived from an extended public key (xpub) you provide. This is watch-only: we can generate receiving addresses but hold no private keys and cannot move funds.
• Donations flow directly from the donor to your wallet. We are a software provider and are not a party to any donation, nor a payment processor, money transmitter, custodian, or escrow agent for donations.

4. Your account

You register with an email address and password and must verify your email. You are responsible for keeping your credentials confidential and for all activity under your account. Notify us promptly at [email protected] if you suspect unauthorized access. You may not sell or transfer your account without our consent.

Usernames. Your username becomes your public page address (cheddar.chat/username) and your Lightning address ([email protected]). Registering it gives you permission to use that name on the Service, not ownership of it, and you may not sell or transfer it. Some names are reserved, including names that refer to cheddar.chat or to the platforms, wallets, and networks the Service works with, and we may add to that list at any time. We may reclaim, suspend, or reassign a username at our discretion if it impersonates or could reasonably be mistaken for another person, streamer, brand, or official account, infringes someone else's rights, or is used for fraud. Where reasonably possible we will tell you first and let you choose a new username; donations that have already settled are not affected. If someone is using a name that represents you, contact [email protected].

5. Wallet connections and your keys

You are solely responsible for the wallet, keys, and connection details you link to the Service and for securing them. Because the Service is non-custodial, we cannot recover, reverse, or access your funds, and loss of your keys or wallet access may result in permanent loss of funds. You are responsible for confirming that donations settle in your wallet.

6. Donations are final

Bitcoin and Lightning transactions are irreversible. Once a donation settles, it cannot be reversed, canceled, or charged back through us, and we do not process refunds for donations. Any refund or dispute regarding a donation is solely between the donor and the receiving streamer. Streamers may publish a refund/dispute contact email that is shown to donors on their paid receipt; using it is at the streamer's discretion.

7. Subscriptions and fees

Streamers keep 100% of every donation; we charge no fee on donations. The Service is offered on a flat platform subscription, which is the only money we charge you. We may offer a free trial. Subscriptions can be paid via Bitcoin/Lightning (our primary rail) or by card through our payment processor (a secondary, automatically renewing rail). You agree to provide accurate, current billing information. You are responsible for any taxes associated with your subscription. We may change subscription prices prospectively with reasonable notice; continued use after a change takes effect constitutes acceptance.

8. Cancellation and subscription refunds

You may cancel auto-renewal at any time. Cancellation stops future charges; your subscription remains active through the end of the period you have already paid for, after which paid features pause. Except where required by law, subscription fees are non-refundable, including for partial periods.

9. Acceptable use

You agree not to use the Service to:

• violate any law, or to launder money, evade sanctions, or facilitate fraud;
• solicit or receive funds for illegal goods, services, or activities;
• infringe intellectual-property or privacy rights, or post unlawful, harassing, or abusive content;
• abuse, overload, or circumvent the Service, its bots, or its rate limits, or attempt to gain unauthorized access;
• impersonate others or misrepresent your identity or affiliation.

When you connect third-party accounts (such as Twitch, Kick, X, or Rumble), you must also comply with those platforms' terms.

10. Your content

"Your Content" includes information you or your donors submit, such as donor names, donation comments, overlay configuration, and image or GIF URLs. You retain ownership of Your Content. You grant us a non-exclusive, worldwide, royalty-free license to host, store, display, and transmit Your Content solely to operate and provide the Service (for example, rendering alerts on your overlay). You are responsible for Your Content and represent that you have the rights to it. We may remove content that violates these Terms.

11. Third-party services

The Service integrates third-party services, including payment processors, our Bitcoin billing provider, bot-protection and infrastructure providers, connected social platforms, Nostr relays, wallet providers, block explorers, text-to-speech providers, and media (GIF) providers. We do not control these services and are not responsible for them; your use of them is governed by their own terms and policies. The subprocessors we rely on are described in our Privacy Policy.

12. Intellectual property

The Service, including its software, design, and brand, is owned by us or our licensors and is protected by intellectual-property laws. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to use the Service. All rights not expressly granted are reserved.

13. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, error-free, or secure, and the Service depends on third-party networks and rails (including the Bitcoin and Lightning networks and your wallet) whose availability we do not control.

14. Assumption of risk

You understand and accept the risks of using Bitcoin and the Lightning Network, including price volatility, the irreversibility of transactions, the possibility of permanent loss from lost keys or misconfiguration, network fees and delays, and evolving regulatory and tax treatment. You bear these risks; we are not responsible for losses arising from them.

15. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR FUNDS, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF (A) THE SUBSCRIPTION FEES YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

16. Indemnification

You agree to defend, indemnify, and hold harmless Cheddarchat LLC and its officers, employees, and agents from any claims, liabilities, damages, and expenses (including reasonable legal fees) arising from your use of the Service, Your Content, or your violation of these Terms or applicable law.

17. Termination

You may stop using the Service and delete your account at any time, in Settings → Account and privacy. The account is locked at once and deleted 7 days later; until then you can restore it. Deleting it cancels any card subscription; amounts already paid aren't refunded. We may suspend or terminate your access if you breach these Terms or to comply with law or protect the Service or its users. On termination, your right to use the Service ends; sections that by their nature should survive (including ownership, disclaimers, limitation of liability, and dispute resolution) will survive.

18. Changes to the Service and these Terms

We may modify or discontinue features of the Service, and we may update these Terms from time to time. If we make material changes, we will provide reasonable notice (for example, by email or a notice on the Service). Your continued use after the changes take effect constitutes acceptance.

19. Governing law and dispute resolution

These Terms are governed by the laws of the State of Wisconsin, United States, without regard to its conflict-of-laws rules. Before filing any claim, you agree to first contact us at [email protected] and attempt to resolve the dispute informally for at least 30 days. Any dispute not resolved informally will be settled by binding arbitration on an individual basis; you and we waive any right to a jury trial and to participate in a class action. Either party may bring an individual claim in small-claims court if it qualifies. Nothing here prevents either party from seeking injunctive relief for intellectual-property misuse.

20. Miscellaneous

These Terms and the Privacy Policy are the entire agreement between you and us regarding the Service. If any provision is held unenforceable, the remaining provisions stay in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. The parties are independent contractors.

21. Contact

Questions about these Terms: [email protected]
Cheddarchat LLC

See also our Privacy Policy. · Back to home