1. Agreement to these Terms

These Terms of Service (the "Terms") are a binding agreement between you and XMR Hub ("XMR Hub", "the platform", "we", "us"). By creating an account, depositing funds, swapping, playing, posting or otherwise using xmrhub.io and its services (the "Services"), you accept these Terms in full. If you do not accept them, do not use the Services.

You must be at least 18 years old, or the age of majority where you live if that is higher, and you are responsible for making sure that using the Services is lawful where you are. The Services are offered "as available" and we may change, suspend or withdraw any part of them at any time.

2. Accounts

• One person, one account. Operating more than one account, or operating an account on behalf of a banned person, is prohibited. Accounts found to be linked may be treated as a single account for every purpose in these Terms, including forfeiture.
• You are responsible for your account. Keep your password, two-factor codes and passkeys private. Anything done through your account is treated as done by you. There is no email-based password reset.
• Verification. We may require account verification before some features are available, including a small verification deposit or a completed swap for accounts created from regions with elevated fraud, and we may withhold features or withdrawals until verification is complete.
• Moderation. Our team and appointed moderators may remove content, lock topics and flag accounts. Moderators cannot access your funds; account-level decisions are made by the platform owner.

3. Custody of funds and withdrawals

• Withdrawals are processed manually. Because funds sit in cold storage, every withdrawal is reviewed and signed by a person. Please allow 24 to 48 hours for a withdrawal to be sent. Withdrawals may take longer during weekends, holidays, network congestion, unusual volume, or while a security or compliance review is in progress.
• Two-factor authentication is required to withdraw. Because a withdrawal cannot be reversed, your account must have an authenticator app enabled before a withdrawal request is accepted.
• Review before sending. We check the origin of funds before releasing a withdrawal. We may ask you questions, require verification, or delay or decline a withdrawal where we reasonably suspect fraud, cheating, a compromised account, abuse of promotions, or a breach of these Terms.
• Confirmations. Deposits show at zero confirmations, become usable on the platform at one confirmation and withdrawable off-site at ten. Amounts below the minimum deposit may not be credited.
• Fees. A flat withdrawal fee covers the network fee and is shown before you confirm. Fees may change.
• Addresses are your responsibility. Monero transactions are irreversible. Funds sent to an address you entered incorrectly cannot be recovered.
• No interest, no deposit insurance. Balances do not earn interest and are not insured by any government scheme.

4. Promotional credits ("free" XMR)

From time to time we may credit your balance with XMR you did not deposit: welcome bonuses, event prizes, giveaways, rakeback and similar ("Promotional Credits"). Promotional Credits are a gift made on the following conditions. Referral earnings are not Promotional Credits: your share of the house's take from members you refer is earned revenue, is credited to your balance as ordinary funds and is withdrawable like a deposit, subject only to sections 3 and 7.

• They are locked until unlocked. Promotional Credits, and winnings derived from them, are not withdrawable until you have met the unlock requirement stated for that promotion. The requirement is expressed as a percentage or multiple of the credit that must be put through eligible activity, for example stakes in platform games, and such other activities as we designate for that promotion. The exact percentage, the eligible activities and any time limit are stated in the promotion itself and form part of these Terms.
• Deposited funds are never locked by a promotion. Only the promotional portion and its winnings are subject to unlock requirements.
• Abuse voids the credit. Claiming a promotion more than once, using multiple accounts, colluding to pass credits between accounts, exploiting a pricing or payout error, or any other attempt to extract Promotional Credits without meeting the unlock requirement in good faith results in forfeiture of the credit and any winnings derived from it, and may result in further action under section 8.
• We may change or end promotions at any time. Credits already unlocked are not affected.

5. XP, levels, rewards and directory reviews

XP, levels, ranks, badges and unlockables ("Rewards") are granted for genuine participation. They have no cash value, cannot be sold or transferred, and may be adjusted, reset or removed at our discretion.

• Clawback. XP granted for content that is later removed by a moderator, for reversed actions, or for activity found to be inauthentic, is removed. Levels, ranks and unlocks that depended on it may be lost.
• Spam and low-effort content in the forum, memes, messages or anywhere else earns no Rewards and may be removed.

6. Games and the zero-cheat policy

Platform games are provably fair contests between members. We operate a zero-cheat policy: cheating is never tolerated, in any form, for any stake.

Cheating includes, without limitation: colluding with another player, chip-dumping or deliberately losing to transfer value, using more than one account in the same game or lobby, using bots, scripts, engines or outside assistance in skill games (including chess engines), exploiting a bug, latency, timing or any other defect in the Services, manipulating or interfering with game state, and any other means of gaining an advantage that we have not expressly approved.

We may suspend game access, freeze a balance, void results and reverse settlements while an investigation is open. Findings are made on the balance of evidence available to us, including game logs, timing, device and network signals and account relationships.

7. Fraud, gaming the system and prohibited conduct

You agree not to defraud, exploit or manipulate the platform, its members or its systems. Without limiting the generality of the foregoing, any user who attempts, whether successfully or not, to fraudulently game the system through any means not expressly approved by the platform, including but not limited to spamming low-quality reviews, posts or messages; farming XP, referrals or promotions; operating multiple or shared accounts; impersonating others; automating interactions; exploiting software defects; interfering with the operation or security of the Services; laundering or structuring funds; or otherwise obtaining Rewards, credits, funds or advantages to which they are not legitimately entitled, shall be subject to disciplinary action at the platform's sole discretion, up to and including removal of content, clawback of Rewards, forfeiture of connected funds, suspension and permanent termination of the account.

You also agree not to use the Services for anything unlawful, to harass or threaten others, to post illegal content, to attempt to access other accounts or non-public systems, or to resell or commercially exploit the Services without our written consent.

8. Enforcement, discretion and appeals

• Discretion. We decide, acting reasonably, whether conduct breaches these Terms and what action to take. We are not required to warn before acting where the conduct is serious or ongoing.
• Appeals. If you believe a cheating finding, a review/XP clawback or a frozen balance is mistaken, you may submit one appeal per matter within 14 days, from this page while signed in. Appeals are reviewed personally by the platform owner, and you will be told the outcome in your account and, if linked, on Telegram. Decisions on appeal are final.
• Funds pending appeal. Any forfeited or frozen funds stay with the platform and cannot be withdrawn while an appeal is pending or if it is denied.
• Evidence. We may use any information available to us, and we are not obliged to disclose detection methods.

Appeal a penalty

9. Swaps, shop and third-party services

• Swaps are executed by an independent swap provider. Rates, limits, timing and refunds for a swap are governed by that provider's terms; we display quotes and status but do not control settlement. Always double-check addresses and amounts.
• The directory lists third-party services for information only. A listing, badge, rating or review is not an endorsement or a guarantee. Deal with third parties at your own risk.
• The shop sells goods priced in XMR; order, shipping and refund terms are shown at checkout.
• The community marketplace is members selling to members. With escrow, XMR Hub holds the buyer's payment until delivery is confirmed (or 14 days after the item ships, unless the buyer opens a dispute) and keeps a 1% escrow fee from the seller's payout when it is released. Refunds are returned in full, and direct-pay sales carry no fee. The fee may change; an order keeps the rate in force when it was placed.

10. Risk and disclaimers

Monero is volatile and its value may fall to zero. Nothing on XMR Hub is financial, investment, legal or tax advice. The Services are provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement and uninterrupted or error-free operation. You use the Services at your own risk.

11. Limitation of liability and indemnity

To the fullest extent permitted by law, XMR Hub and its operators, moderators and contributors are not liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, data, goodwill or funds, arising out of or relating to the Services, including losses caused by third parties, network failures, software defects, market movements or your own errors. Our total liability for any claim is limited to the amount of fees you paid to us in the three months before the event giving rise to the claim. You agree to indemnify and hold us harmless from claims, losses and expenses, including reasonable legal fees, arising from your breach of these Terms or your misuse of the Services.

12. Changes, severability and contact

We may update these Terms at any time by publishing a new version on this page with a new "last updated" date. Continued use after a change means you accept it. If any provision is held unenforceable, the rest remains in effect. These Terms, together with any promotion-specific terms, are the entire agreement between you and XMR Hub about the Services. Questions go to our community on Telegram at t.me/XMRHub_io.

1. The short version

2. Your account

• What we keep: your username, your password in a scrambled form that can't be turned back into the password, the day you joined and, if someone invited you, who it was. If you open the Games tab, we note the day you accepted its terms.
• What we never ask for: email, phone number, real name or ID documents. Recovery codes take the place of an email reset, and we can't read them back either.
• Your country isn't saved on your account. New accounts from some regions are asked to verify with a small deposit or a swap.
• Order emails. Settings has an optional email for marketplace order updates. Sending is switched off for now. When it is on, an address you add is confirmed with a code, stored encrypted and used only for your own orders.

3. Signing in

• One cookie keeps you signed in, for up to 30 days, until you sign out.
• No IP address is stored with your sign-in. We keep a scrambled code of your connection that can't be turned back into an address or a place. It helps keep the site fair, and it goes when the sign-in ends.
• Two-factor and passkeys. An authenticator app's secret is stored encrypted. For a passkey we keep only what is needed to recognise it; the face, touch or PIN that unlocks it never leaves your device.

4. Your wallet

• Deposits and withdrawals. We keep each one's amount and transaction ID, your deposit address and the address you withdraw to. Thirty days after a withdrawal finishes, its address is shortened to the first and last few characters.
• Your balance. Every change to a balance is recorded and kept for as long as the site runs, so every coin is accounted for and any mistake can be fixed.
• Monero and us. Monero keeps your payments private on the blockchain. We know which deposit address is yours, what arrives at it, and where you asked us to send a withdrawal.

5. Swaps

• Our swap partner carries out each swap and sends it to an exchange for the best rate. Your IP address and browser are never passed on. The partner and its exchange see the amounts and addresses they need, under their own privacy policies.
• What we keep: the coins, amounts, fees and status, so a late swap can be traced. Thirty days after a swap finishes, its addresses are removed or shortened.
• Sooner, if you like: Settings › Privacy › Delete my swap history does it at once and unlinks the swaps from your account. The XP you earned stays.
• Swap links show a shortened address to anyone else who opens them, and stop working after 7 days. You can also swap without an account.

6. Chat and messages

• Site chat is public and only the newest messages are kept. You can remove your own, and moderators can hide any.
• Private chat is end-to-end encrypted, like Signal or SimpleX. Messages are locked on your device and can only be opened by the two people in the chat. We can't read them. A device you set up later can't open older private messages, and clearing your browser's data removes them from that browser.
• Normal messages are stored encrypted, and nobody on our team has a screen to read them. For anything sensitive, use Private chat.
• Alerts for a new message say who wrote to you, never what they wrote.

7. Marketplace and shop

• Listings are public: the seller's username, photos, price and where the item ships from.
• Shipping addresses are encrypted and only the seller of that order can open it (for official shop orders, the team that ships it). The address is cleared 30 days after the order ends; the order itself stays for the books.
• Your browser remembers the shop address you typed, on your device only.

8. Your profile

• Public by default: your username, picture, banner, bio, level, XP, badges, join date, follower counts, posts, reviews, memes, listings and your place on leaderboards.
• Settings › Privacy lets you make your profile private (only followers you approve see it), appear as "Anonymous" on leaderboards, hide from the people finder, and hide your game stats or follower lists.
• No "online now" or "last seen". Tips can be anonymous, and a note you send a creator is encrypted.

9. Games

• Game records (stakes, moves, cards, results and how each turn was played, including its timing) are kept so every result and payout can be checked.
• Fair play. Games are checked so nobody can cheat or play several seats at once, and a person reviews anything before action is taken.
• Region check. The Games tab checks where a visit comes from to keep betting out of restricted places. It is not saved.

10. Linked accounts

• Accounts you link in Settings (for alerts, to show them on your profile, or to earn XP for joining our community) are kept only as their ID or handle (and a chess account's public rating) plus your alert choices. To award community XP, we ask that service only whether you joined.
• Alerts go through the app you linked, so it sees their text. Turn on private alerts in Settings › Privacy and they say only what happened, like "Deposit received", with no amounts, names or messages.
• You can unlink any account at any time.

11. Photos and videos

• Hidden photo data is removed. Every picture and video you upload loses its hidden camera and location details before we keep it.
• Creator videos are only shown to people allowed to see them, through links that expire within minutes.

12. Cookies and your browser

• Cookies. One cookie keeps you signed in, and a short-lived one protects linking an account while it happens. Nothing else of ours tracks you.
• Saved on your device only: display settings, carts, your swap list, recent payments, chat read markers, an invite code and a copy of your profile for faster loading. It isn't sent to us on its own.
• Sponsored spots count how often they are shown and clicked each day, never who saw them.
• Settings › Privacy › Clear what this browser saved wipes the personal parts, and clearing this site's data in your browser wipes everything.

13. Partners

• Network protection. A network provider carries traffic to XMR Hub and protects it from attacks, so it sees your IP address and which pages you open. It also provides the human check on the sign-up form, stores creator videos, and may set a security cookie of its own.
• Swaps go through our swap partner and its exchanges (section 5).
• Charts and videos. The price chart page shows a chart from a charting provider when you open it, and a video loads from its host only when you press play.
• Fonts, images and prices are served by XMR Hub itself, and links to other websites lead to sites with their own privacy rules.

14. Sharing

• We don't sell, rent or trade member data, and we don't share it with law enforcement. There is very little to share: no email, phone number, name or ID, no IP address on your account, old addresses cleared after 30 days, and private chats we cannot read.
• The partners in section 13 receive only what their part needs, when you use it.

15. Who can see what

• Our team sees what it needs to run payments, orders and support.
• Moderators can tidy up public posts and chat. They have no access to wallets or addresses.
• Nobody on the team has a screen for reading messages or a marketplace buyer's address, and nobody but the two people in it can read a Private chat.

16. How long we keep it

• Sign-ins: until you sign out, at most 30 days.
• Shipping addresses: 30 days after the order ends.
• Withdrawal and swap addresses: shortened or removed 30 days after they finish, or straight away from Settings.
• Balances, payment records and game records: for as long as the site runs, so the books always add up.
• Profile, posts and uploads: until you or the team remove them, or your account is deleted.
• Ghost links (Tools): gone the first time they are opened, or when they expire.

17. Your choices

• Settings › Privacy: private profile, anonymous on leaderboards, hidden from the people finder, hidden game stats and follower lists, and private alerts.
• Your data, any time: Delete my swap history, Forget my old addresses and Clear what this browser saved. Your XP, badges and balance stay.
• Delete your account at the bottom of Settings, confirmed with your username, password and two-factor code. Your balance must be empty and nothing can be in progress. You are signed out and hidden straight away, and for 30 days we can restore the account if you ask us. After that your name, picture, bio, links and sign-in methods are erased; your posts stay under a name like deleted_123, and payment and game records stay in our books without your name.
• Also: unlink accounts and remove passkeys in Settings, change your password to sign out every other device, and swap without an account.

18. Changes and contact

When the site changes what it keeps, we update this page and its date. XMR Hub is for adults only (see the Terms of Service). Questions about your data are welcome in our community at t.me/XMRHub_io.