Terms of Service — CreditSwap AI

1. Permitted Products

CreditSwap AI is exclusively for transferable, unused, and redeemable codes, vouchers, gift cards, license keys, and credit packages. Sellers may not list account credentials, API keys, usernames, passwords, shared access, or any stolen or unauthorized material.

2. No Account Credentials

The sale of account credentials, login credentials, shared accounts, or API keys is strictly prohibited and will result in immediate suspension. This includes but is not limited to: OpenAI accounts, Anthropic accounts, Midjourney accounts, Cursor accounts, and any other platform account.

3. Buyer Responsibilities

Buyers are responsible for verifying codes before the 72-hour dispute window closes. CreditSwap AI is not responsible for codes that expire after purchase if the expiry was disclosed in the listing.

4. Seller Responsibilities

Sellers must only list genuine, unused, transferable codes. Sellers who list fraudulent or invalid codes will be suspended and may be subject to chargebacks.

5. Mock Payments

All payments during this MVP phase are mock/demo transactions. No real funds are charged. This will change when the platform integrates a real payment provider.

6. Dispute Resolution

Buyers may open a dispute within 72 hours of delivery. Admin will review disputes and may resolve in favor of buyer or seller. Admin decisions are final.

7. Platform Fees

CreditSwap AI charges a 10% platform fee on completed transactions. Seller payout is 90% of the listing price.

8. Limitation of Liability

CreditSwap AI is a marketplace platform. We are not responsible for the validity of individual listings, though we review all listings before activation.