[COMPANY NAME], [JURISDICTION],
[GOVERNING LAW], [MINIMUM AGE], [PAYMENT PARTNER]
and the contact emails must be replaced before publication. iqmel must not be marketed
as anonymous escrow without verification: it is a private digital deal platform with
risk-based verification. If iqmel accepts, holds, converts or transmits USDT, the
business may require VASP/CASP/money-transmitter/payment-service licensing.
These Terms govern access to and use of the iqmel platform operated by [COMPANY NAME]. By creating an account, creating or funding a deal, delivering content, receiving funds or opening a dispute, you agree to these Terms. iqmel is a private digital deal platform for lawful digital content and online services. It is not a bank, not a public marketplace for illegal goods, not a money-laundering tool and not a guarantee of commercial success.
You must be at least [MINIMUM AGE], have legal capacity, not be located in a prohibited jurisdiction, not be subject to sanctions, and use the platform only for permitted digital transactions. iqmel may reject, suspend or terminate any account for legal, compliance, fraud, safety or platform-risk reasons.
iqmel applies risk-based verification (identity, age, business, sanctions, wallet, PEP, source of funds, device/IP risk, content compliance). Verification may be required before seller payout, high-value deals, adult/creator deals, after suspicious activity, disputes, repeated refund claims, wallet changes, or when required by law or partners.
Permitted: lawful digital files, custom digital content, design, video editing, online services, digital artwork, consultations, approved creator-to-fan custom content and approved digital downloads. Every deal must clearly describe the deliverable, delivery method, deadline, price, currency, acceptance criteria, refund conditions and usage restrictions. Prohibited use is defined in section 8.
Crypto transactions may be irreversible; network fees apply; wrong addresses or networks may cause permanent loss; stablecoins carry issuer, depeg, custody and regulatory risk. iqmel does not guarantee the value, liquidity, legality or availability of any digital asset.
Funds are considered funded only after required confirmations, partner receipt and screening. Funds may be released to the seller on buyer confirmation, dispute-window expiry, auto-release, platform determination of completed delivery, dispute resolved for seller, or milestone acceptance. Release may be delayed for verification, review, open dispute, screening, sanctions, law-enforcement request or suspected prohibited content.
Fees follow the selected tariff and are non-refundable unless required by law. To the maximum extent permitted by law, iqmel’s total liability is limited to the fees paid for the disputed transaction. The service is provided “as is”. These Terms are governed by [GOVERNING LAW]; disputes are resolved in [COURT/ARBITRATION VENUE]. Contact: [LEGAL EMAIL] · [COMPLIANCE EMAIL] · [SUPPORT EMAIL].
Applies to each transaction. Each deal must include title, description, deliverable, price, currency, delivery deadline, delivery method, acceptance criteria, dispute window, refund conditions and license terms. The buyer funds the deal; funds are unavailable to the seller until release conditions are met. The seller must deliver the agreed deliverable, on time, via an approved method, with no prohibited content. The buyer must review within the dispute window; failure to open a valid dispute means delivery is deemed accepted. Possible outcomes: release to seller, full or partial refund, partial release, redelivery, deadline extension, cancellation or account penalty. Platform records are primary evidence unless proven unreliable.
Sellers must be at least [MINIMUM AGE], pass required verification, own or control the content sold, comply with all laws and policies, and not be sanctioned. Sellers must describe products accurately, deliver on time via approved methods, keep delivery evidence, not request off-platform payment, not upload malware and not violate adult-content rules. Payouts may be blocked until verification completes. Violations may lead to warnings, deal cancellation, payout holds, reserve requirements, suspension, termination, refund to buyer and reporting to authorities.
Buyers must be at least [MINIMUM AGE], use lawful funds, read deal terms before funding, provide accurate payment information, review delivery within the dispute window, and open disputes only in good faith. If a buyer opens, downloads or accesses digital content, a refund is not automatic; it may still apply for wrong file, corrupted file, prohibited content, material mismatch or fraud. Unless the deal states otherwise, the buyer receives a personal, non-transferable, non-commercial license. False disputes may lead to loss of refund rights, limits, suspension, ban and reporting.
Simple digital delivery with automated release; max deal value $100 unless approved; auto-release 24h after delivery; no manual arbitration.
Delivery evidence + 24–48h dispute window + limited manual review; max deal value $500 unless approved; seller KYC required; evidence-based disputes only.
High-value/custom deals; milestones where available; manual arbitration; enhanced verification.
Special plan for approved high-volume verified sellers (KYC/KYB, low dispute rate, compliant history, volume thresholds, screening). Manual arbitration not included unless purchased. Rolling reserve may apply; eligibility may be removed at any time.
Paid manual review for eligible disputes. The platform decision is final for platform release/refund purposes; the platform is not a court.
Digital products are generally non-refundable after access, download or use, unless a valid reason applies: seller failed to deliver or missed deadline, corrupted/inaccessible/wrong file, material mismatch, fraud, rule violation, or law/partner-required reversal. Refunds are usually not approved for change of mind, undescribed expectations, missed dispute window, subjective dissatisfaction, or buyer rule violations. Partial refunds may apply when work was partly delivered or responsibility is shared. Network/partner/conversion fees may be non-refundable.
A dispute must be opened within the dispute window with a reason, evidence and requested resolution. Valid reasons: non-delivery, wrong deliverable, corrupted file, material mismatch, missed deadline, prohibited content, fraud. The seller may respond with delivery proof, file hash, timestamps, logs and screenshots. Platform system logs, payment and delivery records and file metadata are prioritized. Outcomes: release, refund, split, redelivery, extension, cancellation, suspension or reporting. Non-response may lead to a decision on available evidence. Dispute abuse may lead to suspension, loss of dispute rights, payout holds, ban and reporting.
iqmel is for legal digital content and online services only. Strictly prohibited: child sexual abuse material or any content involving minors; non-consensual intimate content, revenge porn, hidden-camera content, coercion/exploitation, trafficking, sexual blackmail; stolen or leaked content; non-consensual deepfake sexual content; malware, hacking tools, stolen accounts or data, identity documents, bank cards, financial credentials; drugs, weapons, coordinates for illegal goods; terrorist/extremist financing; sanctions evasion; money laundering; counterfeit goods; illegal gambling; fraud services; doxxing; harassment. Prohibited conduct: fake deals, fee evasion, off-platform payment, dispute manipulation, threats/blackmail, impersonation, stolen wallets, structuring to avoid limits, and false KYC information. iqmel may remove content, block deals, freeze funds, refund buyers, deny payout, suspend/terminate accounts, retain records and report to partners and law enforcement.
iqmel applies a risk-based approach to prevent money laundering, terrorist financing, sanctions evasion and fraud. KYC may require name, date of birth, address, government ID, liveness check, proof of address, source of funds and wallet-ownership proof; KYB adds company, ownership and tax information. Wallets and users may be screened against sanctions lists and high-risk indicators (darknet, mixers, ransomware, fraud, sanctioned entities). Transaction monitoring covers size, frequency, structuring, repeated refunds/disputes, rapid in/out activity and geographic anomalies. Suspicious activity may trigger information requests, payout delay, rejection, fund freeze, termination, reporting and recordkeeping. Access from prohibited jurisdictions may be restricted.
Applies where adult/18+ creator content is permitted. All participants must be at least [MINIMUM AGE]. Creators must complete age and identity verification before selling adult content and represent that every person depicted is an adult, gave informed consent, and that the seller has distribution rights. Strictly prohibited: minors, simulated minors, non-consensual content, hidden-camera sexual content, revenge porn, sexual extortion, trafficking, coercion and non-consensual AI/deepfake sexual content. Report violations to [COMPLIANCE EMAIL].
[COMPANY NAME] collects account data, identity/verification data, wallet addresses, transaction and delivery records, device/IP data, dispute evidence, support messages, risk scores and screening results. Data is used to operate accounts and deals, process payments, verify identity and age, prevent fraud, comply with AML/KYC and sanctions, monitor transactions, resolve disputes, provide support and comply with law. Legal bases may include contract, legal obligation, legitimate interest and consent; GDPR may apply to EU/EEA users. Data may be shared with payment, screening, KYC, hosting, compliance and legal providers, and with regulators/law enforcement. Retention: [INSERT PERIOD]. Privacy contact: [PRIVACY EMAIL].
Crypto transactions are generally irreversible — wrong address, network or token may cause permanent loss. Networks may congest, delay or fail. Stablecoins may lose peg, become illiquid or be frozen by the issuer. You are responsible for wallet security. Digital assets may be restricted, regulated or taxed in your jurisdiction. Transactions may be delayed, rejected or frozen if flagged by compliance, sanctions, screening, the payment partner or law enforcement.
iqmel may respond to valid requests from law enforcement, regulators and courts. Requests should include the agency, legal authority, case reference, user identifiers, records requested and a deadline. Emergency requests involving imminent harm, child exploitation, trafficking or terrorism may be prioritized. iqmel may preserve and disclose account, transaction, wallet, delivery, dispute and verification records as required or permitted by law.
A seller may receive payout only after the deal is released (or a dispute resolved), verification and wallet screening pass, and no compliance hold applies. Payouts may be delayed for incomplete KYC/KYB, open disputes, suspicious activity, wallet risk, suspected prohibited content, partner review or law-enforcement request. A rolling reserve may apply to high-risk sellers and may be used for refunds, disputes, fraud, compliance or legal obligations. Network/partner/conversion fees may apply.
Users may report content that infringes rights or law (copyright, non-consensual content, underage content, stolen content, privacy violation, impersonation, prohibited content). A report should include the reporter’s contact, content identification, reason, proof of rights/harm and a good-faith statement. iqmel may remove content, disable links, suspend the deal, freeze payout, request more information, notify the seller, terminate the account and report illegal material. Report to [COMPLIANCE EMAIL].
iqmel is a private digital deal platform for lawful digital content and online services. It uses risk-based verification, compliance screening, secure delivery records and defined release/refund rules. iqmel does not support anonymous illegal transactions, prohibited content, sanctions evasion, money laundering or physical high-risk goods.