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TipTap Cyprus

Terms of Service

Building Trust Through Transparency

1

Company

TipTap LTD
Limassol, Cyprus
terms@tiptap.cy

2

Version

v1.0
Effective: Sep 25, 2025

3

Platform Fees

• 7% - Service Requester
• 3% - Service Provider
• Escrow protection included

Quick Jump

1. Acceptance of Terms

By accessing and using the TipTap Cyprus platform, you accept and agree to be bound by the terms and provisions of this agreement.

2. User Accounts

You are responsible for maintaining the confidentiality of your account and password. You agree to accept responsibility for all activities that occur under your account.

3. Bidding and Auctions

All bids are binding. Once you place a bid, you enter into a legally binding contract if you win the auction. TipTap Cyprus acts as a marketplace facilitator.

4. Payment Terms

Winners must pay within 24 hours of winning an auction. Payments are held in escrow for security. TipTap Cyprus charges a service fee as outlined in the fee schedule.

5. Message Encryption & Privacy

End-to-end encryption: All messages on our platform are encrypted using AES-256-GCM (Advanced Encryption Standard with Galois/Counter Mode), providing military-grade security for your communications.

Key features:
• 256-bit encryption keys that automatically rotate every 90 days
• Messages are encrypted before storage and cannot be read by anyone except authorized parties
• Each message has a unique initialization vector (IV) that prevents pattern analysis
• Authentication tags ensure messages cannot be tampered with

Admin accountability: For compliance and dispute resolution purposes, platform administrators can decrypt messages, but every decryption is logged with:
• Admin ID and username
• Exact timestamp
• IP address
• Full audit trail (90-day retention)

This ensures your conversations remain protected while maintaining platform accountability and safety.

6. Prohibited Activities

Users must not engage in fraudulent activities, spam, harassment, or any illegal activities. Violation may result in account suspension or termination.

7. Dispute Resolution

TipTap Cyprus provides a dispute resolution system. Disputed funds are held in escrow until resolution. Final decisions are made by TipTap Cyprus administrators.

8. AI-Assisted Dispute Resolution

TipTap Cyprus leverages OpenAI-powered arbitration to compare both parties statements, escrow milestones, and chat context. The AI recommendation is applied instantly unless both participants submit a mutual agreement first. You can appeal for a manual admin review at any time.

How we use OpenAI in disputes

  • ✓ Statements, milestone metadata, and chat messages are encrypted with TLS 1.3 before being shared.
  • ✓ Payment credentials and IDs never leave TipTap Cyprus servers.
  • ✓ Real-time AI mediation chats allow both parties to provide additional context and clarification.
  • ✓ AI mediators ask targeted questions to ensure fair and informed decisions.
  • ✓ Human admins can override or delete any AI decision through the appeal workflow.
  • ✓ All AI chat sessions are logged and can be reviewed during appeals.

Questions about AI usage? Contact support@tiptap.cy.

Payments on TipTap Cyprus are processed through Stripe. If you buy or sell on TipTap Cyprus, certain payment steps (like charging, refunds, and payouts) may be handled using Stripe services.

Stripe provides the payment infrastructure, and TipTap Cyprus provides the marketplace experience. For payment-related questions (fees, disputes, payout timing, verification), you should start with TipTap Cyprus support — we’ll guide you through what Stripe requires and what we can do on your behalf.

1. Stripe is the payment provider

When you use Stripe-related payment features on TipTap Cyprus, keep in mind:
  • ▸ Stripe processes payments and may require identity/verification information
  • ▸ TipTap Cyprus may collect and pass required information to Stripe to enable payments and payouts
  • ▸ Some actions may be limited, delayed, or blocked until Stripe requirements are satisfied
  • ▸ Payment features may vary by country, account type, and verification status
  • ▸ If something looks wrong (fees, payout delays, chargebacks), contact TipTap Cyprus support so we can investigate

2. What TipTap Cyprus may do to enable payments

To operate payments and payouts, TipTap Cyprus may (where applicable):
  • ▸ Help you connect a Stripe account for payouts
  • ▸ Initiate charges, refunds, and payouts related to marketplace activity
  • ▸ Send required information to Stripe to process transactions and comply with verification
  • ▸ Apply platform-side restrictions if your Stripe status requires it (e.g., verification pending)

3. Data sharing for payments

To provide payment services, TipTap Cyprus and Stripe may need to exchange certain data. This generally means:
  • ▸ We may share personal and transaction data with Stripe to process payments and payouts
  • ▸ Stripe may share certain status/verification signals back to TipTap Cyprus
  • ▸ You may be asked for additional information to meet legal/verification requirements
  • ▸ For details, review our Privacy Policy and Stripe’s privacy information

4. Fees and deductions

Stripe may deduct processing fees, and TipTap Cyprus may apply platform fees according to our fee schedule. In some cases, fees may be deducted automatically as part of the transaction flow.
  • ▸ You may see Stripe processing fees on payment activity
  • ▸ You may see TipTap Cyprus platform fees where applicable
  • ▸ If you believe a fee is incorrect, contact TipTap Cyprus support with the transaction details

5. Getting help

If you have payment-related issues (payout timing, verification, chargebacks, refunds, or fees), contact TipTap Cyprus support first. We can often resolve marketplace-side issues and help you understand Stripe requirements.
  • ▸ Verification or onboarding questions
  • ▸ Payout timing and payout failures
  • ▸ Refunds, disputes, and chargebacks
  • ▸ Fees or transaction status questions

6. Onboarding and verification

Stripe may require you to complete onboarding and verification steps before you can receive payouts. This can include identity details, business details, and bank account information.
  • ▸ Provide accurate and up-to-date information
  • ▸ Complete verification promptly to avoid payout delays
  • ▸ Some features may be unavailable until verification is complete
  • ▸ You are responsible for keeping your payout details current
  • ▸ If you get stuck, contact TipTap Cyprus support

7. Disconnection and account changes

TipTap Cyprus or Stripe may restrict or disconnect payment capabilities in certain cases (for example, compliance, security, or incomplete verification). If this happens, contact TipTap Cyprus support for next steps.

8. Off-platform payments

If you choose to pay or get paid outside the TipTap Cyprus/Stripe flow, those transactions are not handled by Stripe through TipTap Cyprus and may not be protected by platform payment safeguards.

Ready to Get Started?

By using our platform, you agree to these terms and our commitment to fair service.

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