Special Notice:
Our service is currently not available in mainland China. Access, registration, and use of our platform within this region are restricted and unsupported at this time. We apologize for any inconvenience this may cause.
1. Introduction and Acceptance of Terms
These Terms of Use (“Terms”) constitute a legally binding agreement between you (“you” or “User”) and LivChat (“LivChat,” “we,” “us,” or “our service”) regarding your access to and use of the LivChat platform (the “Service”). By accessing or using the Service in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to all these Terms, you are expressly prohibited from using the Service and must discontinue use immediately.
If you have any questions about these Terms or the Service, please contact us at help@elmoneyhk.com.
1.1 Application Scope
These Terms are globally applicable. Adherence to these Terms and all relevant laws is mandatory. Misuse of the service is strictly prohibited.
1.2 Service Eligibility
LivChat requires all users to be at least 18 years old. To ensure compliance, we employ advanced technology to analyze user-provided media, complemented by human review, to detect and prevent underage access. Age verification is mandatory during registration, and falsifying age information is strictly prohibited. Accounts of underage users or those misrepresenting their age will be immediately and permanently terminated. LivChat reserves the right to request further age verification at any time and may restrict access until verification is successful. Our age verification methods are continuously updated to address emerging risks.
2.Your Account
Account Creation and Management:
Create a LivChat account by linking an existing Facebook or Google account, or register as a visitor (note: visitor accounts may be lost).
We may access information from your linked third-party account.
Your account is personal and cannot be transferred, lent, or shared. Account identifiers are our property and may be disabled upon termination.
Protect your account details and notify us immediately at help@elmoneyhk.com if compromised. You are responsible for all activity under your account.
3.Child Safety
LivChat prioritizes child safety and enforces a strict zero-tolerance policy for any content, behavior, or activity that may harm, exploit, or abuse minors. We actively work to prevent and address child safety risks through proactive measures, swift enforcement, and collaboration with organizations and law enforcement.
3.1 Prohibited Content
You explicitly acknowledge and agree that any form of CSAE, including but not limited to the sexualization of minors or the depiction of sexual content involving minors, is strictly prohibited on our platform. This policy applies to all users and encompasses any attempt to solicit, share, distribute, or promote such content, regardless of its form or intent.
1) Child Sexual Abuse and Exploitation
We employ both automated and manual monitoring systems to detect and prevent CSAE. Any attempts to bypass or circumvent these detection systems will result in immediate action. The following activities are expressly prohibited and will be considered violations:
Sharing, creating, or distributing content related to child sexual abuse or exploitation.
Engaging in any activity that sexualizes minors, including sexualized discussions, roleplaying, or the use of inappropriate attire.
Depictions of child nudity or sexualization, including through artwork, drawings, or animations.
2) Other Prohibited Content Related to Minors
Harmful Acts Involving Minors:
Threatening, encouraging, or engaging in physical harm toward minors.
Engaging in psychological manipulation, coercion, or abuse of minors.
Promoting or depicting dangerous behaviors involving minors.
Advocating for or depicting child neglect, trafficking, or exploitation.
Underage Presence and Account Restrictions:
The presence of minors in live streams, videos, or any content on the platform is strictly prohibited.
Creating, managing, or facilitating accounts on behalf of minors is not allowed.
Any attempts to falsify age or bypass platform age restrictions are prohibited.
By using our platform, you agree to comply with these rules and understand the consequences of violating them.
3.2 Reporting and Enforcement
In our commitment to maintaining a safe environment for all users, we have established comprehensive measures for reporting and addressing instances of CSAE on our platform. This section outlines the various channels available for reporting CSAE content, including our in-app user reporting mechanism and the assistance provided by dedicated organizations worldwide.
1) In-App Reporting
Our platform provides multiple channels for reporting potential violations of our child safety policies:
In-app flagging system enables immediate reporting of concerning content
Direct reporting button available on all user profiles and content
Email channel: help@elmoneyhk.com for detailed reports
We strongly encourage all users to report any content or behavior that may violate our child safety policies. Your vigilance plays a crucial role in maintaining a safe environment for our community.
2) External Reporting Channels
Below, we provide a list of reputable organizations and resources where individuals can seek support, report CSAE incidents, and access additional information:
a) International: INHOPE Association
b) North America, Australia, New Zealand: National Center for Missing & Exploited Children (NCMEC)
c) South America and Other Regions: International Centre for Missing & Exploited Children
d) Europe: Law Enforcement Reporting Channels for Child Sexual Coercion and Extortion
e) France: l’Association des Fournisseurs d’Accès et de Services Internet
f) Germany: Jugendschutz
g) Hong Kong: 家庭衝突及性暴力政策組
h) India: Childline 1098 India
i) Japan: Internet Hotline Center Japan
j) South Korea: Korea Communication Standards Commission
k) United States: National Center for Missing and Exploited Children
4. Content Moderation
4.1 Review Process
Automated Screening
AI-powered systems analyze all uploaded content using:
a) Pattern recognition algorithms
b) Image and video analysis tools
c) Real-time filtering of known prohibited materials
Human Oversight
A dedicated team of trained moderators ensures accurate assessments, including:
a) Prioritized reviews for child safety reports
b) Specialized training in identifying CSAE content
Enforcement Protocol
Confirmed violations trigger immediate actions:
a) Removal of offending content
b) Suspension or termination of accounts under investigation
c) Evidence preservation for law enforcement collaboration, as required
d) Ongoing optimization through partnerships with leading moderation services
All reports are treated with the highest priority and undergo thorough review within our moderation system.
4.2 Response Times
LivChat maintains a dedicated content moderation team that diligently reviews all reports and content violations across the platform. While reports involving potential harm to minors (such as CSAE) are prioritized for immediate attention, we strive to process all reports within 48 hours. Our team works continuously to ensure swift action on all issues, with most cases reviewed and addressed significantly faster than this timeframe.
5. Acceptable And Prohibited Use
5.1 Expected Behavior
You must comply with all applicable laws, including but not limited to privacy laws, intellectual property laws, anti-spam laws, export control laws, tax laws, and regulatory requirements. You are also obligated to strictly adhere to these Terms of Use. Finally, you must use LivChat responsibly and in a manner that is consistent with good faith and fair dealing.
5.2 Prohibited Behavior
1) Access LivChat except through the interfaces expressly provided by us, such as its mobile applications;
2) Act in an unlawful or bad manner in connection with LivChat, including being dishonest, abusive or discriminatory;
3) Bypass or circumvent any access controls or service use limits;
4) Copy, use, disclose or distribute any information obtained from LivChat, whether directly or through third parties (such as search engines), without our consent;
5) Create a profile for anyone other than yourself (a real person);
6) Create or operate a pyramid scheme, fraud or other similar practice;
7) Develop, support or use software, devices, scripts, robots, or any other means or processes (including crawlers, add-ons, or any other technology or manual work) to scrape LivChat or otherwise copy profiles and other data from LivChat;
8) Disclose information that you do not have the consent to disclose (such as confidential information of others);
9) Encourage, distribute, or attempt to normalize the sharing of content depicting or promoting child sexual abuse, or post content or engage in conduct that in any way sexualizes children;
10) Harass, abuse or harm another person;
11) Interfere with the operation of, or place an unreasonable load on, LivChat (e.g., spam, denial of service attack, viruses, gaming algorithms);
12) Manipulate identifiers to disguise the origin of any message or post transmitted through LivChat;
13) Monitor LivChat’s availability, performance or functionality for any competitive purpose;
14) Override any security feature of LivChat;
15) Post anything that contains software viruses, worms, or any other harmful code;
16) Post defamatory obscene, shocking, hateful, threatening or otherwise inappropriate content or airing personal grievances or disputes;
17) Remove, cover or obscure any advertisement included in LivChat;
18) Reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for LivChat or any related technology that is not open source;
19) Share, distribute, or create sexually explicit content, or engage in any sexual conduct;
20) Steal or attempt to steal another’s virtual property, such as virtual gifts;
21) Use bots or other automated methods to access LivChat, add or download contacts, send or redirect messages;
22) Use LivChat for tasks that it is not intended for;
23) Use or attempt to use another’s account;
24) Use, disclose or distribute any data obtained in violation of these Terms;
25) Violate the intellectual property or other rights of us; and/or
26) Violate the intellectual property rights of others, including copyrights, patents, trademarks, trade secrets, or other proprietary rights.
6. Your Content
When you submit, upload, transmit or display any data, information, photograph or other content in connection with your use of LivChat (“Your Content”), you understand and agree that:
1) You will continue to own and be responsible for Your Content;
2) We will not sell Your Content to any third-party;
3) Your Content will be shared with other users of LivChat in many ways. For example, Your Content will be seen by other users of LivChat once you have uploaded Your Content to LivChat;
4) You are giving us and our affiliate companies the right to use Your Content (with no fees or charges payable by us to you) solely for the purposes of providing, promoting, developing and trying to improve LivChat and our other services, including new services that we may provide in the future;
5) In using Your Content for these purposes, we and our affiliate companies may copy, reproduce, host, store, process, adapt, modify, translate, perform, distribute and publish Your Content worldwide by all distribution methods, including those that are developed in the future;
6) We may share Your Content with third parties that we work with to help provide, promote, develop and improve LivChat, but these third parties (other than our affiliate companies) will not make any separate use of Your Content for their own purposes (i.e. For any purposes that are not related to LivChat);
7) We may use the name that you submit in connection with Your Content (whether that be your account name, real name or otherwise); and
8) You will comply with these Terms in your submission of Your Content.
9) You are prohibited from posting and agree not to post any prohibited content as determined by company, in its sole discretion and which includes, without limitation: sexually explicit material, violence and bullying, hate speech, sensitive events, unlawful activity, IP infringement.
In addition, you agree that we and our affiliate companies (subject to these Terms, our LivChat Privacy Policy and applicable laws and regulations):
Are allowed to retain and continue to use Your Content after you stop using LivChat – for example, where you have shared Your Content with other users of LivChat;
May be required to retain or disclose Your Content to: (i) comply with applicable laws or regulations; (ii) comply with a court order, subpoena or other legal process; or (iii) respond to a lawful request by a government authority, law enforcement agency or similar body (whether situated in your jurisdiction or elsewhere); and
May need to retain or disclose Your Content to enforce these Terms, protect our rights, property or safety, or the rights, property or safety of our affiliate companies or other users of LivChat.
You understand that even if you seek to delete Your Content from LivChat, it may as a technical and administrative matter take some time or not be possible to achieve this – for example, we may not be able to prevent any third-party from storing or using any of Your Content that you have made public via LivChat.
We reserve the right to block or remove Your Content for any reason, including as is in our opinion appropriate or as required by applicable laws and regulations.
You are solely responsible for Your Content and we recommend that you always keep a back-up copy of it.
You must always ensure that: (i) you have the rights required to submit, transmit or display Your Content, and to grant us the rights as set out in these Terms; and (ii) Your Content (and our use of Your Content in accordance with these Terms) does not infringe or violate the rights of any person or otherwise contravene any applicable laws or regulations.
LivChat is not a storage service. You agree that we have no obligation to store, maintain or provide you a copy of any content or information that you or others provide, except to the extent required by applicable law and as noted in LivChat Privacy Policy.
7. Our Intellectual Property Rights
All intellectual property rights in or to LivChat (including any future updates, upgrades and new versions to LivChat), will continue to belong to us. Except as expressly provided in these Terms, you have no right to use our intellectual property rights. In particular, you have no right to use our trademarks or product names, logos, domain names or other distinctive brand features without our prior written consent. Any comments or suggestions you may provide regarding LivChat are entirely voluntary and we will be free to use these comments and suggestions at our discretion without any payment or other obligation to you.
You may not copy, modify, reverse compile, reverse engineer or extract source codes from LivChat, except to the extent that we may not prohibit you from doing so under applicable laws or regulations or you have our prior written consent to do so. Where applicable laws or regulations entitle you to reverse compile or extract source codes from LivChat, you will first contact us to request the information you need.
We may from time to time provide updates to LivChat. Such updates may occur automatically or manually. Please note that LivChat may not operate properly or at all if upgrades or new versions are not installed by you. We do not guarantee that we will make any updates available for any of LivChat, or that such updates will continue to support your device or system.
We may, in our discretion, provide technical support for LivChat (whether for free or for a fee). We provide technical support without any guarantee or warranty of any kind, and subject always to these Terms.
8. Third-Party Content And Services
We are not responsible for and we do not endorse, support or guarantee the lawfulness, accuracy or reliability of any content submitted to, transmitted or displayed by or linked by LivChat, including content provided by users of LivChat or by our advertisers. You acknowledge and agree that by using LivChat, you may be exposed to content which is inaccurate, misleading, defamatory, offensive or unlawful. Any reliance on or use of any content on or accessible from LivChat by you is at your own risk. Your use of LivChat does not give you any rights in or to any content you may access or obtain in connection with your use of LivChat.
We also do not guarantee the quality, reliability or suitability of any third-party services provided, made available, advertised or linked through LivChat and we will bear no responsibility for your use of or relationship with any such third parties or third-party services.
We may review (but make no commitment to review) content or third-party services made available through LivChat to determine whether or not they comply with our policies, applicable laws and regulations or are otherwise objectionable. We may remove or refuse to make available or link to certain content or third-party services if they infringe intellectual property rights, are obscene, defamatory or abusive, violate any rights or pose any risk to the security or performance of LivChat.
There may be, from time to time, third-party content and services on LivChat that are subject to further terms – for examples, terms from the relevant third-party that originally produced or created such content or service, or terms from the relevant third-party in relation to promotional activities being held on LivChat. You agree to comply with any such further terms and conditions as notified to you in relation to your use of such third-party content and services.
9. Payments
9.1 Purchases and Refunds
You may, from time to time, make payments to us or third parties as part of your use of the service. We may set out further terms applying to such payments, including in relation to refunds (if any), billing arrangements, and any consequences of failing to make timely payments. You must comply with all such terms in relation to your payments to us. You agree that you are solely responsible for all fees and taxes associated with any such payments, and that pricing and availability of items and products are subject to change at any time.
ALL PURCHASES OF VIRTUAL ITEMS MADE THROUGH THE SERVICE ARE FINAL AND NON-REFUNDABLE. YOU ACKNOWLEDGE THAT WE ARE NOT REQUIRED TO PROVIDE A REFUND FOR ANY REASON, AND THAT YOU WILL NOT RECEIVE MONEY OR OTHER COMPENSATION FOR UNUSED VIRTUAL ITEMS WHEN AN ACCOUNT IS CLOSED, WHETHER SUCH CLOSURE WAS VOLUNTARY OR INVOLUNTARY.
We may process payments from you in the service via a third-party service and you agree to comply with that relevant third-party’s terms and conditions in relation to the payment processing service, as further set out in the “Third-Party Content and Services” section below.
Also, you agree that:
Your purchase may be subject to foreign exchange fees or differences in prices based on location (e.g. exchange rates); and
We may calculate taxes payable by you based on the billing information that you provide us at the time of purchase.
9.2 Subscription Management
Subscriptions can be canceled anytime. If you cancel a subscription through Google Play’s billing system, you will not receive a refund for the current billing period, but will continue to receive your subscription content for the remainder of the current billing period, regardless of the cancellation date. Your cancellation goes into effect after the current billing period has passed.
You can go to Google Play subscription center to manage your subscriptions through the link below:
https://play.google.com/store/account/subscriptions
10. Infringement Of Rights
We may respond to notices of alleged infringement of rights (including infringement of intellectual property rights, defamation and infringement of other civil rights) and other claims and demands. If you have any such infringement-related concerns, please contact help@elmoneyhk.com.
11. Warranty And Disclaimer
We warrant to you that we will provide LivChat using reasonable care and skill.
APART FROM THIS WARRANTY, TO THE EXTENT PERMITTED BY APPLICABLE LAWS AND REGULATIONS, LIVCHAT IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND NEITHER US NOR ANY OF OUR AFFILIATE COMPANIES MAKE ANY REPRESENTATION OR WARRANTY OR GIVES ANY UNDERTAKING IN RELATION TO LIVCHAT OR ANY CONTENT SUBMITTED, TRANSMITTED OR DISPLAYED BY LIVCHAT, INCLUDING: (I) ANY REPRESENTATION, WARRANTY OR UNDERTAKING THAT LIVCHAT WILL BE UNINTERRUPTED, SECURE OR ERROR-FREE OR FREE FROM VIRUSES; (II) THAT LIVCHAT WILL BE COMPATIBLE WITH YOUR DEVICE; OR (III) THAT LIVCHAT WILL BE OF MERCHANTABLE QUALITY, FIT FOR A PARTICULAR PURPOSE OR NOT INFRINGE THE INTELLECTUAL PROPERTY RIGHTS OF ANY PERSON. TO THE EXTENT PERMITTED BY APPLICABLE LAWS AND REGULATIONS, YOU WAIVE ANY AND ALL IMPLIED REPRESENTATIONS, WARRANTIES AND UNDERTAKINGS.
12. Liability For Parau
TO THE EXTENT PERMITTED BY APPLICABLE LAWS AND REGULATIONS, THE TOTAL AGGREGATE LIABILITY OF US AND OUR AFFILIATE COMPANIES FOR ALL CLAIMS IN CONNECTION WITH THESE TERMS, OR LIVCHAT, ARISING OUT OF ANY CIRCUMSTANCES, WILL BE LIMITED TO THE AMOUNT YOU PAID US TO USE LIVCHAT AND IN NO EVENT WILL IT EXCEED $50.
TO THE EXTENT PERMITTED BY APPLICABLE LAWS AND REGULATIONS, IN NO EVENT WILL WE OR ANY OF OUR AFFILIATE COMPANIES BE LIABLE FOR ANY OF THE FOLLOWING:
IN CONNECTION WITH THESE TERMS OR LIVCHAT, FOR ANY DAMAGES CAUSED BY: (I) ANY NATURAL DISASTER SUCH AS FLOODS, EARTHQUAKES OR EPIDEMICS; (II) ANY SOCIAL EVENT SUCH AS WARS, RIOTS OR GOVERNMENT ACTIONS; (III) ANY COMPUTER VIRUS, TROJAN HORSE OR OTHER DAMAGE CAUSED BY MALWARE OR HACKERS; (IV) ANY MALFUNCTION OR FAILURE OF OUR OR YOUR SOFTWARE, SYSTEM, HARDWARE OR CONNECTIVITY; (V) IMPROPER OR UNAUTHORIZED USE OF LIVCHAT; (VI) YOUR USE OF LIVCHAT IN BREACH OF THESE TERMS; OR (VII) ANY REASONS BEYOND OUR REASONABLE CONTROL OR PREDICTABILITY;
FOR ANY INDIRECT, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES; AND/OR
FOR ANY LOSS OF BUSINESS, REVENUES, PROFITS, GOODWILL, CONTENT OR DATA.
NOTWITHSTANDING ANY OTHER PROVISIONS OF THESE TERMS, NOTHING IN THESE TERMS LIMITS OR EXCLUDES ANY OF YOUR STATUTORY RIGHTS IN YOUR JURISDICTION (INCLUDING ANY RIGHTS UNDER APPLICABLE CONSUMER PROTECTION REGULATION), TO THE EXTENT THESE MAY NOT BE EXCLUDED OR WAIVED UNDER APPLICABLE LAWS AND REGULATIONS.
YOU AGREE THAT YOU INDEMNIFY US AND OUR AFFILIATE COMPANIES FROM AND AGAINST ANY CLAIM, SUIT, ACTION, DEMAND, DAMAGE, DEBT, LOSS, COST, EXPENSE (INCLUDING LITIGATION COSTS AND ATTORNEYS’ FEES) AND LIABILITY ARISING FROM: (I) YOUR USE OF LIVCHAT; OR (II) YOUR BREACH OF THESE TERMS.
13. No Liability For Third Parties
As set out in the “Third-Party Content and Services” sections of these Terms, various third parties may provide certain content, services or software within LivChat.
THESE TERMS GOVERN THE RELATIONSHIP BETWEEN YOU AND US. YOUR DEALINGS WITH ALL THIRD PARTIES, INCLUDING THOSE FOUND THROUGH LIVCHAT, ARE SOLELY BETWEEN YOU AND THE RELEVANT THIRD-PARTY. SUBJECT TO MANDATORY APPLICABLE LAWS AND REGULATIONS, WE AND OUR AFFILIATE COMPANIES HAVE NO LIABILITY TO YOU IN RELATION TO ANY THIRD PARTIES, INCLUDING ANY CONTENT OR SERVICES PROVIDED BY SUCH THIRD PARTIES WITHIN LIVCHAT.
14. Termination
We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the Service will immediately cease. You may also terminate your account at any time. All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
Following termination of these Terms, we will only retain and use Your Content in accordance with these Terms (in particular, the LivChat Privacy Policy). Where we suspend or terminate all or part of LivChat, or where your access to LivChat is terminated by you or us, we do not guarantee that we will be able to return any of Your Content back to you and we may permanently delete Your Content without notice to you at any time after termination. Please ensure that you regularly back up Your Content.
15. Modifications to Terms And Services
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide at least 30 days’ notice before any new terms take effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use the Service after those revisions become effective, you agree to be bound by the revised Terms. If you do not agree to the new terms, you are no longer authorized to use the Service.
In addition, as LivChat and user experiences are constantly evolving, we may from time to time (and to the extent permitted by applicable laws and regulations) add, change or remove features from LivChat (including in relation to whether a service is free of charge or not), or suspend or terminate a service altogether.
16. Contact Information
For questions or concerns about these Terms, please contact us at help@elmoneyhk.com. Our dedicated team will respond to all inquiries promptly.