Terms of Service

These Terms of Service govern your use of the website located at https://champchat.com and any related services provided by ChampChat.

By accessing https://champchat.com, you agree to abide by these Terms of Service and to comply with all applicable laws and regulations. If you do not agree with these Terms of Service, you are prohibited from using or accessing this website or using any other services provided by ChampChat.

We, ChampChat, reserve the right to review and amend any of these Terms of Service at our sole discretion. Upon doing so, we will update this page. Any changes to these Terms of Service will take effect immediately from the date of publication.

These Terms of Service were last updated on 4 November 2022.

Limitations of Use

By using this website, you warrant on behalf of yourself, your users, and other parties you represent that you will not:

  1. modify, copy, prepare derivative works of, decompile, or reverse engineer any materials and software contained on this website;
  2. remove any copyright or other proprietary notations from any materials and software on this website;
  3. transfer the materials to another person or “mirror” the materials on any other server;
  4. knowingly or negligently use this website or any of its associated services in a way that abuses or disrupts our networks or any other service ChampChat provides;
  5. use this website or its associated services to transmit or publish any harassing, indecent, obscene, fraudulent, or unlawful material;
  6. use this website or its associated services in violation of any applicable laws or regulations;
  7. use this website in conjunction with sending unauthorized advertising or spam;
  8. harvest, collect, or gather user data without the user’s consent; or
  9. use this website or its associated services in such a way that may infringe the privacy, intellectual property rights, or other rights of third parties.

Intellectual Property

The intellectual property in the materials contained in this website are owned by or licensed to ChampChat and are protected by applicable copyright and trademark law. We grant our users permission to download one copy of the materials for personal, non-commercial transitory use.

This constitutes the grant of a license, not a transfer of title. This license shall automatically terminate if you violate any of these restrictions or the Terms of Service, and may be terminated by ChampChat at any time.

User-Generated Content

You retain your intellectual property ownership rights over content you submit to us for publication on our website. We will never claim ownership of your content, but we do require a license from you in order to use it.

When you use our website or its associated services to post, upload, share, or otherwise transmit content covered by intellectual property rights, you grant to us a non-exclusive, royalty-free, transferable, sub-licensable, worldwide license to use, distribute, modify, run, copy, publicly display, translate, or otherwise create derivative works of your content in a manner that is consistent with your privacy preferences and our Privacy Policy.

The license you grant us can be terminated at any time by deleting your content or account. However, to the extent that we (or our partners) have used your content in connection with commercial or sponsored content, the license will continue until the relevant commercial or post has been discontinued by us.

You give us permission to use your username and other identifying information associated with your account in a manner that is consistent with your privacy preferences, and our Privacy Policy.

Expert Services

ChampChat provides a service that allows Clients to connect with and pay Experts for coaching services. We do not guarantee the accuracy of any information provided by our experts. Experts are fully responsible for their content and Expert Services they provide. ChampChat does not have any control over or endorse any Expert Services.

Any service can be modified or canceled anytime by ChampChat. ChampChat is not responsible for any loss of income or other damages that may result from the cancellation of a service.

Expert Service Fees

If you are an Expert, you agree to a service fee of 7% for all products, except for subscription based products which has a 15% service fee. This fee is the total sum you are entitled to receive from Clients. ChampChat reserves the right to change the Service fee at any time.

ChampChat uses Stripe Inc ("Stripe"). to process payments. ChampChat does not store any credit card information. All credit card information is stored by Stripe. ChampChat does not have access to any credit card information.

By using ChampChat and agreeing to our terms, you agree to the Stripe Privacy Policy and Stripe Terms of Service.


Our website and the materials on our website are provided on an 'as is' basis. To the extent permitted by law, ChampChat makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property, or other violation of rights.

In no event shall ChampChat or its suppliers be liable for any consequential loss suffered or incurred by you or any third party arising from the use or inability to use this website or the materials on this website, even if ChampChat or an authorized representative has been notified, orally or in writing, of the possibility of such damage.

In the context of this agreement, “consequential loss” includes any consequential loss, indirect loss, real or anticipated loss of profit, loss of benefit, loss of revenue, loss of business, loss of goodwill, loss of opportunity, loss of savings, loss of reputation, loss of use and/or loss or corruption of data, whether under statute, contract, equity, tort (including negligence), indemnity, or otherwise.

Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Accuracy of Materials

The materials appearing on our website are not comprehensive and are for general information purposes only. ChampChat does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on this website, or otherwise relating to such materials or on any resources linked to this website.


ChampChat has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement, approval, or control by ChampChat of the site. Use of any such linked site is at your own risk and we strongly advise you make your own investigations with respect to the suitability of those sites.

Right to Terminate

We may suspend or terminate your right to use our website and terminate these Terms of Service immediately upon written notice to you for any breach of these Terms of Service.


Any term of these Terms of Service which is wholly or partially void or unenforceable is severed to the extent that it is void or unenforceable. The validity of the remainder of these Terms of Service is not affected.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Delaware, USA. You irrevocably submit to the exclusive jurisdiction of the courts in that State or location.

Expert Referral Program Terms

ChampChat's Terms of Service and Privacy Policy apply to all participants in the Expert Referral Program, along with the terms of ChampChat's Expert Referral Program outline below:

These Expert Referral Program Terms were last updated on 3 November 2022.


A Referrer is a participant of the ChampChat Referral Program. A Referrer is eligible for Referral Rewards after completion of Qualified Referrals.

Referral Link

The Referral Link is a special link that a Referrer can share with others. Others can use this link and then create an Expert Profile on ChampChat. They are a Referred Expert of the Referrer. A Referral Link has a cookie life of 7 days. This means if they create an expert profile within 7 days from the same browser, even without using your link, they will count as a Referred Expert of the Referrer. If they click any other Referrer's Referral Link after theirs, it will override the original Referrer's cookie.

Referred Expert

Referred Expert is an individual who creates a ChampChat expert profile using your referral link. The Referred Expert must be a different person than the Referrer. We check all referrals and disqualify any suspicious referrals. Any disqualified referrals are not eligible for reward payments. If you believe we disqualified a referral in error please contact us, and we'll help you resolve the issue.

Qualified Referral

A Referred Expert becomes a Qualified Referral once reaching 50 USD in total sales on ChampChat. Each Referred Expert only counts as one Qualified Referral regardless of more sales. We reserve the right to recover any Referral Rewards for refunded sales to a Referred Expert.

Referral Awards

Each Qualified Referral results in a Referral Award to the Referrer. The Referrer will receive the equal of USD 50 in your currency minus any exchange fees from Stripe. The Referred Expert will receive 0% transaction fees for a limited time, "the Referred Expert Award", on all non-subscription-based sales on ChampChat. The Referred Expert Award will last 21 days from when they created their Expert Profile. If payment is authorized within 21-days but captured after 21-days, the Referred Expert Award still applies. For example, on day 21 a Client pays to book a Question, and on day 24 the Referred Expert answers capturing the payment.

Reward Payouts

Referrer Rewards are made in increments of USD 50. The Referrer must have connected their Stripe account to their ChampChat Expert account to receive payout. Reward Payouts are calculated and distributed up to 31 days after the Qualified Referral is created.


To be eligible you must be a ChampChat expert.

No Spam

The Referrer must follow all Anti-Spam laws. Referrers may not spam or use any other means to promote their Referral Link. We reserve the right to disqualify any Referrer who we believe is spamming or using other means to promote their Referral Link.

Right to Close Accounts

We reserve the right to close any Referrer's and/or the Referred Expert's account at any time for any reason. If we close your account, you will not be eligible for any Referral Rewards.

Right to End or Change Program

We reserve the right to end or change the Expert Referral Program Terms at any time. If we end the Expert Referral Program, you will not be eligible for any unclaimed Referral Rewards at that time.