Terms of Service

1. Agreement to these Terms

These Terms of Service ("Terms") govern your access to and use of the Sepky website, applications, and related services (collectively, the "Service") offered by Sepky ("we", "us", "our"). By creating an account, accessing, or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

We may also post additional terms, policies, or guidelines for specific features (for example payouts or identity verification). Those become part of your agreement with us if you use those features.

2. What Sepky is

Sepky provides tools that allow people ("Receivers") to set a price for inbound contact and to receive paid messages, and allow others ("Senders") to pay to initiate or continue conversations, subject to the rules shown in the product (including time limits for responses and refund behaviour where applicable). The Service may include messaging features, profiles, public links (for example sepky.com/your-handle), reviews, wallet or balance features, and payment processing through third-party providers.

We may change, suspend, or discontinue parts of the Service. We do not guarantee uninterrupted or error-free operation.

3. Eligibility and accounts

• You must be at least 18 years old and able to enter a binding contract.
• You must provide accurate registration information and keep your account credentials secure. You are responsible for activity under your account.
• One person or entity should not operate multiple accounts to evade rules, limits, or enforcement, unless we expressly allow it.

4. Payments, balance, withdrawals, and third-party processors

Payments, card charges, payouts, and refunds may be processed by third parties (for example payment processors such as Stripe). Your use of those services may be subject to their terms and privacy policies. You authorise us and our payment partners to charge or transfer amounts in accordance with the flows you start in the product (for example paying to message someone, topping up a balance, or withdrawing earnings where available).

Account balance and pots. Where the product shows a wallet or balance, amounts may be tracked in separate pots (for example funds you added by deposit versus amounts you earned from replies). When you pay for a Sepky message or bond using your balance, we apply funds in this order: deposits first, then earnings. Paying from balance has priority over card checkout: if the price is less than or equal to your available balance, we take payment from your balance and you will not be sent through card checkout for that transaction.

Withdrawals. You may withdraw available funds subject to the product rules. The minimum withdrawal amount is £5. For each withdrawal of £50 or less, a £3 fee applies. For withdrawals above £50, no withdrawal fee applies (other than any fees charged by your bank or payment provider outside Sepky).

Refunding deposits to your card. Where the product allows you to refund deposited funds back to your payment card, each such refund incurs a £2 fee. The minimum amount you can request to refund is £2; after the fee is deducted, the net amount returned to your card may be £0.

Deposit refunds depend on your bank and payment rails. Deposit refunds are processed through third-party payment providers and your bank or card issuer. As a result, the timing, eligibility, and even the ability to complete a deposit refund may depend on your bank, card network rules, and the payment processor (for example Stripe). If a deposit refund cannot be completed due to limitations or restrictions on those systems, that is not an error or liability of Sepky.

Refund within 60 days. We recommend requesting any deposit refund within 60 days of the original deposit. Requests made after that may be more likely to fail or be rejected by banks or card networks, and Sepky may be unable to override those outcomes.

Transaction ledger. Where the product shows a transaction ledger, it is a record of completed movements connected to your Sepky balance (for example wallet deposits/top-ups, wallet refunds, withdrawals, and bond settlement events). Some events may not appear as a balance movement even though they occurred — for example, a card hold that is later released without being captured does not necessarily change your Sepky balance and may be omitted from the ledger view. Bonds that are still awaiting a reply do not appear on the ledger at all. A bond appears on the ledger for both Sender and Receiver only once the bond has been fulfilled (the Receiver has responded as required by the product). If a bond is paid from Sepky balance, your available balance may decrease by the bond amount when the payment is committed, but the corresponding ledger entry for that bond is still not shown until fulfilment; after the Receiver responds, the ledger will show the amount paid on the Sender side and the amount received on the Receiver side, as applicable. The exact categories and presentation may change as we improve the product, but the goal is to make it clear what happened, when it happened, and how it affected your balance.

Fees and splits. Sepky may retain a portion of certain transactions to operate the Service, as described in these Terms (including section 5). Fees, splits, currency, and any taxes shown at checkout or in your dashboard are part of the commercial terms we offer and may change with notice as described below.

No advice. Nothing in the Service is financial, investment, tax, or legal advice. You are responsible for your own tax and reporting obligations on income you receive through the Service.

5. Sepky messages, bonds, pricing, and settlement

Receiver minimum prices. When a Receiver completes onboarding, they set minimum amounts that Senders must pay to contact them. The minimum for the first message from a Sender is £3. The minimum for any follow-up message is £2.50. Receivers may set higher amounts where the product allows.

Split on reply. For each Sepky message or bond where the Receiver responds as required by the product, 60% of the bond value is credited to the Receiver and 40% is retained by Sepky as a platform fee, unless we notify you of different percentages in the product or these Terms.

Paying from balance only. If the bond price is fully covered by your available balance, we take the full amount from your balance (from your pots in the order: deposits first, then earnings) and you are not asked to complete card checkout.

Paying from balance and card. If the bond price is greater than your balance, we first apply your available balance to the bond (again using deposits before earnings). The remaining amount is paid through checkout. That remaining card amount is authorised or held and is not finally charged to your bank or card in the same way as an immediate purchase; it is only captured or charged when the Receiver responds as described below. The portion taken from your balance is committed according to the same reply and expiry rules.

Paying by card when balance is insufficient. If you do not have enough balance to cover the full bond price, you will complete checkout for the amount due. That payment is held (for example as an authorisation or separate capture flow) and not deducted from your bank account as an immediate, non-refundable charge in the way a typical instant purchase would be. The held amount is only charged or captured when the Receiver responds to the message in line with the product rules.

No reply within 48 hours. If the Receiver does not respond within 48 hours (or another period shown in the product at the time you send), amounts that were taken from your balance are returned to your balance and allocated back into the same pots in the same proportions as when they were taken (for example if £5 came from deposits and £10 from earnings, you receive £5 back to deposits and £10 back to earnings). Amounts that were held on your card are released and not captured, so your bank is not charged for that bond. Timing of release may depend on your bank and the payment processor.

When the Receiver replies. On a qualifying reply, the bond is settled: the Receiver receives their share, Sepky receives its platform fee, and any held card amount is captured or charged as applicable. If you paid partly from balance and partly from a held card amount, the balance portion is applied as shown in the product (including reducing your available balance for those pots) and the remainder is taken from your card when the Receiver replies.

Features such as paid messages, "bonds", holds, or timed reply windows are also governed by the rules displayed in the product at the time of the transaction. We aim to implement the behaviour described in these Terms consistently, subject to technical constraints, fraud prevention, chargebacks, bank processing times, and the policies of payment partners.

Disputes between users (for example about the quality or adequacy of a reply) are primarily between those users. We may offer tooling or policies to help, but we are not obliged to arbitrate every disagreement.

6. Acceptable use

You agree not to:

• Use the Service for anything unlawful, fraudulent, or harmful, or to harass, threaten, defame, or discriminate against others.
• Send spam, malware, or deceptive content; impersonate others; or misrepresent your identity or affiliation.
• Circumvent security, abuse the platform, scrape or overload systems, or use the Service to build a competing product without permission.
• Use the Service in violation of sanctions, export controls, or other applicable laws.

We may investigate and take action, including removing content, suspending accounts, or reporting conduct to authorities where appropriate.

7. Your content and licence to us

You retain rights to content you submit ("Your Content"). You grant Sepky a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, display, and distribute Your Content solely to operate, improve, and promote the Service, and as required by law.

You represent that you have the rights to Your Content and that it does not violate these Terms or third-party rights.

8. Messages, deleting conversations, invitations, and account deletion

Communications between users. Messages and other content exchanged through the Service are sent by users to one another. Sepky provides the platform and technical means to deliver and store them; we do not speak for users and do not endorse, verify, or adopt what users say to each other. You are solely responsible for your own communications and for how you interpret or rely on communications from others. To the fullest extent permitted by applicable law, Sepky (including its affiliates, directors, and employees) is not liable for the content, accuracy, legality, or consequences of communications between users, or for disputes between you and other users, except where liability cannot be excluded or limited under applicable law (for example certain statutory consumer rights). Nothing in this section limits our ability to operate the Service, enforce these Terms, or comply with law.

Deleting a conversation from your view.Where the product lets you remove a conversation from your list ("delete for you"), that action affects your account only. It does notdelete the underlying messages, bonds, or payment records from Sepky's systems, because the other participant may still need access to the same thread and history. Your list is updated so the thread no longer appears for you until activity brings it back (see below). The product may ask you to confirm before deleting; you can opt out of the generic reminder on a later prompt when offered. If you still have a chance to reply and earn on a pending bond, the product may show an additional confirmation because deleting can forfeit that opportunity.

When a deleted thread can reappear. If you or the other person sends a new message in that same conversation, or any interaction occurs that creates a new message on the thread, the conversation may show in your inbox again for you. That is so you do not miss legitimate follow‑up or payment-related activity on an existing bond.

Invites and people not yet on Sepky. Sepky allows users to initiate bonds for external parties who do not yet have a full Sepky account (for example by email invite). In those cases, a limited-access profilemay be created to secure funds and deliver the message. The recipient's data is used only to facilitate notification and the claim or use of those funds in line with the product.

Sending to someone on Sepky before you join. If you pay to message a receiver who is already on Sepky but you are not yet a Sepky user, completing that payment flow may create an account for you so the bond, thread, and balance can be recorded and you can access your conversation — in the same way the Service needs an account holder to operate payments and messaging.

Account deletion. If you delete your Sepky account, we remove your profile and identifying details (including your public handle and display information) in line with the deletion flow in the product. Certain records may be retained where the law or legitimate operation of the Service requires it — for example messages, transactions, or reviews may remain stored in a form that does not identify you to other users, because your profile and personal identifiers tied to the account are permanently removed as part of account deletion.

9. Reviews and reputation

Reviews or ratings may be shown where the product allows. You agree that reviews should be honest and based on genuine interactions. We may remove or moderate reviews that violate these Terms or that we reasonably believe are abusive or fake.

10. Our intellectual property

The Service, including software, branding, logos, and documentation, is owned by Sepky or its licensors. Except for the limited rights to use the Service in line with these Terms, no rights are granted to you.

11. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE SECURE, ERROR-FREE, OR THAT OUTCOMES (FOR EXAMPLE A REPLY OR A SPECIFIC EARNING) WILL OCCUR.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SEPKY AND ITS AFFILIATES, DIRECTORS, EMPLOYEES, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO SEPKY FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED BRITISH POUNDS (£100), EXCEPT WHERE LIABILITY CANNOT BE LIMITED UNDER APPLICABLE LAW (FOR EXAMPLE DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE, OR FRAUD).

Some jurisdictions do not allow certain limitations; in those cases our liability is limited to the fullest extent allowed.

13. Indemnity

You will defend, indemnify, and hold harmless Sepky and its affiliates from and against any claims, damages, losses, and expenses (including reasonable legal fees) arising from Your Content, your use of the Service, or your breach of these Terms.

14. Suspension and termination

You may stop using the Service at any time. We may suspend or terminate your access if we reasonably believe you have violated these Terms, pose a risk to others or the Service, or where required by law or partners. Where the product allows account deletion, additional terms may apply to balances, pending transactions, or records we must retain.

15. Changes to these Terms

We may update these Terms from time to time. We will post the updated version on this page and update the "Last updated" date. If changes are material, we may provide additional notice (for example by email or in-app). Continued use after changes take effect constitutes acceptance. If you do not agree, you must stop using the Service.

16. Governing law and disputes

These Terms are governed by the laws of England and Wales, excluding conflict-of-law rules. Subject to mandatory consumer rights in your country, the courts of England and Wales will have exclusive jurisdiction, unless we agree otherwise in writing or applicable law requires otherwise.

If you operate primarily in another country, this section may vary.

17. General

• Entire agreement. These Terms (together with any policies we incorporate by reference) are the entire agreement between you and Sepky regarding the Service.
• Assignment. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets.
• Severability. If a provision is invalid, the remainder stays in effect.
• No waiver. Failure to enforce a provision is not a waiver.

18. Contact

For questions about these Terms, contact us at: support@sepky.com.

Please include the email on your Sepky account in your request.