Cypher Credits Policy

This policy is a launch-ready draft for product planning and must be reviewed by a qualified attorney before public launch.

Cypher Credits are an internal app balance used for eligible CypherClub features, rewards, AI tools, storage actions, downloads, publishing, creator tools, promotions, and future premium platform features.

Cypher Credits are not cash, cryptocurrency, stored value, gift cards, securities, wages, or transferable property. They cannot be sold, exchanged for money, withdrawn, transferred to another user, or redeemed outside CypherClub.

Credits may be earned through membership grants, daily rewards, streak rewards, referral rewards, rewarded ads, admin grants, promotions, events, or other product features.

Credit rewards may be limited by plan, geography, platform, fraud controls, account status, app availability, or technical provider availability.

Monthly membership credits are granted once per confirmed billing cycle or trusted grant scheduler. Upgrading a plan may unlock higher feature access, storage, and caps immediately, but does not automatically issue a second monthly credit grant for the same cycle.

Downgrades do not delete earned credits. If your balance is above your new plan cap, your account may enter a soft-capped state until your balance drops below the current plan cap.

Each plan has a configurable credit cap. When an account is at or above its cap, additional earning may pause, including monthly grants, daily rewards, streak rewards, referral rewards, rewarded ads, promotions, and event bonuses.

Soft caps are intended to keep the economy fair, sustainable, and difficult to abuse.

Credits may be spent on eligible actions such as AI feedback, judge analysis, coaching, storage actions, recording downloads, publishing, storage expansion, and future creator tools.

CypherClub may change credit costs, available uses, and rewards over time. We will try to communicate material changes clearly.

If a membership payment is refunded, reversed, disputed, or found abusive, CypherClub may revoke unused credits tied to that billing cycle or promotion. Credits already spent may not be returned unless required by law or explicitly approved by CypherClub.

CypherClub may correct ledger errors, duplicate rewards, failed transactions, fraud, abuse, provider callbacks, or technical mistakes.

Rewarded ads may be available to Free users where supported. Credits are granted only after a successful provider completion event. Daily limits, provider availability, fraud checks, platform rules, and Google AdMob policies may apply.

Paid members may not see rewarded ad opportunities if their plan removes ads.

Referral rewards may require account verification and first eligible activity, such as completing a cypher. Self-referrals, duplicate referrals, fake accounts, payment abuse, automation, or misleading promotion may result in revoked credits and account restrictions.

AI features may spend credits before analysis begins. If a protected AI action fails, credits may be refunded automatically. Storage actions may be free within included plan limits and may cost credits after quota is exceeded.

CypherClub does not show users provider costs, API costs, or infrastructure costs. Users see Cypher Credits, rewards, progress, and benefits.

Listening to public Cypher Club Records, giving props, giving love, saving favorites, browsing records, viewing profiles, and sharing record links are free community actions. Saving records within plan limits is included. Publishing records within plan limits is included. Extra storage, extra publishing, downloads, and future creator tools may cost Cypher Credits.

Credits have no cash value and do not guarantee distribution, promotion, monetization, or a formal label relationship.

CypherClub may revoke credits, deny rewards, suspend earning, limit accounts, remove access, or terminate accounts for fraud, abuse, policy violations, payment disputes, unsafe behavior, or attempts to manipulate the economy.

The Cypher Credits economy is configurable and may evolve. Current product screens and plan details control the active plan limits, earning rules, and spending costs.