PayKnights Terms of Service

1. Acceptance of Terms

By accessing or using PayKnights (“Service”, “Platform”, “we”, “us”, or “our”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use the Service.

These Terms constitute a legally binding agreement between you (“User”, “you”, or “your”) and PayKnights. We reserve the right to modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the modified Terms.

2. Eligibility

2.1 Age Requirements

You must be at least 13 years of age to use PayKnights. If you are between 13 and 18 years old (or the age of majority in your jurisdiction), you may only use the Service with the consent and supervision of a parent or legal guardian who agrees to be bound by these Terms.

2.2 Twitch Account Requirement

Use of PayKnights requires an active Twitch account in good standing. You represent and warrant that you have the legal right to connect your Twitch account to our Service.

2.3 Geographic Restrictions

The Service may not be available in all countries or regions. We reserve the right to restrict access based on geographic location.

3. Account Registration and Security

3.1 Account Creation

To use PayKnights, you must:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Provide a valid email address and phone number
• Connect your Twitch account via OAuth authorization

3.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access or security breach

3.3 One Account Per User

You may maintain only one PayKnights account. Creating multiple accounts to manipulate the karma system or gain unfair advantages is strictly prohibited and will result in immediate termination of all associated accounts.

4. Twitch Integration and Authorization

4.1 OAuth Connection

By connecting your Twitch account to PayKnights, you authorize us to:

• Access your Twitch account information, including username, user ID, and profile details
• Read your follower and following lists
• Access your stream status and streaming history
• View your channel information

4.2 Raid Authorization

By granting raid permissions to PayKnights, you explicitly authorize us to:

• Initiate raids from your channel to other channels on your behalf
• Execute raids based on your interaction with the Platform (e.g., selecting a streamer in a sweep)
• Transfer your viewers to another streamer's channel as part of the raid functionality

IMPORTANT: You understand and acknowledge that when you initiate a raid through PayKnights, your viewers will be redirected to another streamer's channel. PayKnights is not responsible for the content, conduct, or actions of the streamer you raid.

4.3 Revocation of Access

You may revoke PayKnights' access to your Twitch account at any time through:

• Your Twitch account settings
• Your PayKnights account settings

Revoking access will terminate your ability to use the Service and may result in loss of accumulated karma.

4.4 Twitch Terms Compliance

You agree to comply with all Twitch Terms of Service and Community Guidelines when using PayKnights. We are not affiliated with, endorsed by, or sponsored by Twitch Interactive, Inc.

5. The Karma System

5.1 How Karma Works

PayKnights operates on a karma-based matching system:

• Users earn karma by raiding other streamers through the Platform
• Karma is calculated on a rolling 30-day basis
• Karma determines your probability of appearing in other users' sweeps
• Higher karma increases your visibility within the Platform

5.2 Karma Calculation

• Base karma is earned for each raid you initiate through PayKnights
• Karma from raids older than 30 days is automatically removed from your total
• Streak multipliers may apply based on consecutive days of activity (1.0x to 1.6x)
• Paid subscription tiers may include karma multipliers as specified in your subscription plan

5.3 Karma Decay

• Karma naturally decreases as raids age beyond the 30-day rolling window
• Extended inactivity (failure to raid for extended periods) may result in additional karma decay
• Breaking consecutive raid streaks resets your streak multiplier to base level (1.0x)

5.4 Prohibited Karma Manipulation

You may NOT:

• Create multiple accounts to artificially inflate karma
• Coordinate with other users to exchange raids solely for karma gain (“karma trading”)
• Use bots, scripts, or automated tools to generate raids
• Exploit bugs or system vulnerabilities to gain unfair karma advantages
• Engage in any other activity designed to manipulate the karma system

Violation of these provisions will result in immediate karma reset, account suspension, or permanent ban.

5.5 No Guarantee of Results

PayKnights does not guarantee:

• That you will receive raids from other users
• Any specific level of channel growth or viewer increase
• That your karma will result in proportional platform benefits
• The timing, frequency, or quality of raids you receive

Karma increases your probability of appearing in sweeps but does not guarantee specific outcomes.

6. Sweeps and Matching

6.1 Sweep Functionality

The sweep feature presents you with potential streamers to raid based on:

• Your profile preferences (games, vibe, humor style)
• The streamer's current online status
• The streamer's karma level (weighted probability)
• Platform matching algorithms

6.2 No Endorsement

Appearance in your sweep does not constitute PayKnights' endorsement of that streamer. You are solely responsible for deciding whom to raid.

6.3 Cooldown Periods

To maintain system fairness and diversity:

• You may not see the same streamer in your sweep for several days after raiding them
• Daily raid limits may apply based on your account tier
• We reserve the right to implement additional cooldown or rate-limiting measures

6.4 Algorithmic Discretion

We reserve the right to modify matching algorithms, sweep size, cooldown periods, and other system parameters at any time to improve user experience and maintain platform integrity.

7. Subscription Plans and Payment

7.1 Subscription Tiers

PayKnights offers free and paid subscription tiers:

• Free Tier: Base karma multiplier (1.0x), standard features
• Paid Tiers: Enhanced karma multipliers, additional features as specified in tier descriptions

7.2 Payment Terms

• Subscription fees are billed in advance on a recurring monthly or annual basis
• All fees are in U.S. Dollars unless otherwise specified
• You authorize us to charge your payment method on file for subscription fees
• Failed payments may result in immediate downgrade to free tier or account suspension

7.3 Refund Policy

• Subscription fees are generally non-refundable except as required by law
• We may, at our sole discretion, provide refunds for extraordinary circumstances
• No refunds will be issued for partial month usage or karma earned during a subscription period

7.4 Cancellation

• You may cancel your subscription at any time through account settings
• Cancellation takes effect at the end of your current billing period
• Upon cancellation, you will lose access to paid tier benefits, including karma multipliers
• Accumulated karma from your paid tier multiplier will be recalculated to base rates

7.5 Price Changes

We reserve the right to change subscription pricing at any time. Price changes will:

• Be communicated via email at least 30 days in advance
• Take effect at your next billing cycle
• Not apply retroactively to existing subscriptions

8. User Conduct and Content

8.1 Acceptable Use

You agree to use PayKnights only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Harass, abuse, threaten, or intimidate other users
• Raid streamers with the intent to brigade, troll, or harm them
• Engage in hate speech, discrimination, or targeted harassment
• Share content that is illegal, obscene, defamatory, or violates others' rights
• Impersonate any person or entity
• Attempt to gain unauthorized access to the Platform or other users' accounts
• Interfere with or disrupt the Service or servers

8.2 Streamer Content Responsibility

When you raid another streamer through PayKnights:

• You acknowledge that you are directing your viewers to third-party content
• PayKnights is not responsible for the content, conduct, or actions of streamers you raid
• You should exercise judgment in selecting which streamers to raid
• Report any concerning behavior through our reporting mechanisms

8.3 Enforcement

We reserve the right to:

• Remove or disable access to any content that violates these Terms
• Suspend or terminate accounts that violate these Terms
• Report illegal activity to law enforcement
• Cooperate with legal investigations

8.4 No Pre-Screening

We do not pre-screen user-generated content or raid activities. We are not responsible for monitoring all user conduct but may investigate complaints and take action as appropriate.

9. Intellectual Property

9.1 Platform Ownership

PayKnights, including all software, algorithms, designs, trademarks, logos, and content, is owned by us and protected by intellectual property laws. You may not:

• Copy, modify, or distribute our software or content
• Reverse engineer or attempt to extract source code
• Use our trademarks or branding without written permission
• Create derivative works based on our Platform

9.2 User License Grant

By using PayKnights, you grant us a worldwide, non-exclusive, royalty-free license to:

• Use your Twitch username, profile information, and streaming data to operate the Service
• Display your profile to other users in sweeps and matching features
• Aggregate and anonymize your usage data for analytics and improvement purposes

9.3 Feedback

If you provide feedback, suggestions, or ideas about PayKnights, you grant us the right to use, implement, and commercialize such feedback without compensation or attribution.

10. Privacy and Data Collection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using PayKnights, you consent to our Privacy Policy.

11. Disclaimer of Warranties

11.1 “AS IS” Service

PAYKNIGHTS IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement
• Warranties that the Service will be uninterrupted, secure, or error-free
• Warranties regarding the accuracy, reliability, or quality of any content or information

11.2 Third-Party Services

We are not responsible for:

• Twitch's availability, terms changes, or platform decisions
• Third-party streamers' content or conduct
• Internet connectivity or technical issues beyond our control

11.3 No Growth Guarantees

We make no guarantees regarding:

• Channel growth, viewer increases, or follower gains
• The quality, quantity, or timing of raids you receive
• The behavior or engagement of viewers during raids

12. Limitation of Liability

12.1 Maximum Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, PAYKNIGHTS' TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR $100, WHICHEVER IS GREATER.

12.2 Excluded Damages

IN NO EVENT SHALL PAYKNIGHTS BE LIABLE FOR:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Harm to reputation or loss of goodwill
• Costs of substitute services
• Any damages arising from raids, viewer conduct, or third-party actions

12.3 Basis of the Bargain

You acknowledge that these limitations of liability are fundamental elements of the agreement between you and PayKnights and that we would not provide the Service without these limitations.

13. Indemnification

You agree to indemnify, defend, and hold harmless PayKnights, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any third-party rights, including Twitch Terms of Service
• Content or conduct associated with your account
• Raids you initiate or receive through the Platform

14. Dispute Resolution

14.1 Informal Resolution

Before filing any formal claim, you agree to contact us at info@payknights.com and attempt to resolve the dispute informally for at least 30 days.

14.2 Binding Arbitration

If informal resolution fails, you agree that any dispute arising from these Terms or the Service shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.

• Arbitration will be conducted by a single arbitrator
• Arbitration will take place in Illinois
• Each party will bear its own costs and fees
• The arbitrator's decision will be final and binding

14.3 Class Action Waiver

YOU AGREE THAT ALL DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, CONSOLIDATED PROCEEDING, OR REPRESENTATIVE ACTION.

14.4 Exceptions

Either party may seek equitable relief in court to:

• Prevent intellectual property infringement
• Enforce confidentiality obligations
• Obtain preliminary injunctions

14.5 Governing Law

These Terms are governed by the laws of Illinois, without regard to conflict of law principles. Any court proceeding must be brought in Illinois.

15. Termination

15.1 Termination by You

You may terminate your account at any time by:

• Contacting customer support at info@payknights.com
• Using account deletion features within the Platform
• Revoking Twitch authorization

15.2 Termination by Us

We may suspend or terminate your account immediately, without notice, for:

• Violation of these Terms
• Fraudulent activity or karma manipulation
• Harassment or abusive conduct
• Extended periods of inactivity
• Any reason at our sole discretion

15.3 Effect of Termination

Upon termination:

• Your access to PayKnights will be revoked
• All accumulated karma will be lost
• Subscription fees paid are non-refundable (except as required by law)
• Sections 9 (Intellectual Property), 11 (Disclaimers), 12 (Limitation of Liability), 13 (Indemnification), and 14 (Dispute Resolution) survive termination

16. Modifications to Service

We reserve the right to:

• Modify, suspend, or discontinue any feature of the Service at any time
• Change karma calculations, multipliers, or system mechanics
• Alter subscription pricing and tier benefits
• Update these Terms as necessary

We will provide notice of material changes via email or through the Platform. Continued use after changes constitutes acceptance.

17. Miscellaneous

17.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and PayKnights and supersede all prior agreements.

17.2 Severability

If any provision of these Terms is found invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full effect.

17.3 No Waiver

Our failure to enforce any provision does not constitute a waiver of that provision or any other provision.

17.4 Assignment

You may not assign or transfer these Terms or your account without our written consent. We may assign our rights and obligations without restriction.

17.5 Force Majeure

We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, or technical failures.

17.6 Independent Contractors

No agency, partnership, joint venture, or employment relationship is created between you and PayKnights through these Terms.

17.7 Contact Information

For questions about these Terms, contact us at:

• Email: info@payknights.com
• Mail: PayKnights, 845 North State Street, Chicago, IL

BY USING PAYKNIGHTS, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.