← Back to Community Credits

Compliance & Platform Integrity

Last Updated: January 29, 2026
Community Credits is committed to maintaining a secure, fair, and trustworthy platform for all users, merchants, and sellers. This document outlines our compliance measures and the standards we enforce to protect platform integrity.

Your Credits Are Protected

  • Credits are held until access is confirmed — We never finalize a transaction until you have received what you paid for
  • Automatic refunds if checkout isn't completed — If you don't complete a checkout within 15 minutes, your credits are automatically returned
  • Fraud protection with instant refund — If someone else attempts to redeem your checkout link, we block it and refund you immediately

1. Platform Security Measures

Community Credits implements multiple layers of security and monitoring to protect all participants:
  • Transaction Monitoring: All credit transactions are logged and monitored for suspicious activity
  • Rate Limiting: API and transaction limits prevent automated abuse
  • Identity Verification: Authentication through Whop's secure OAuth system
  • Audit Trails: Complete records of all financial operations for accountability
  • Encryption: All sensitive data is encrypted in transit and at rest

2. Fraud Prevention

We actively work to prevent fraud and protect the platform ecosystem:

Escrow & Review Period

  • All seller earnings are held in escrow for fourteen (14) days
  • This period allows for fraud detection and policy violation review
  • Funds are automatically released after the review period unless flagged
  • Flagged transactions are manually reviewed before release or reversal

Automated Detection

  • Unusual transaction patterns are automatically flagged
  • Self-dealing (sellers purchasing from themselves) is detected and prevented
  • Coordinated fraud attempts across multiple accounts are monitored
  • Rapid or suspicious payout requests trigger additional review

3. Credit Gateway & Promo Code Safeguards

When purchasing access through Credit Gateways that integrate with Whop Plans, the following safeguards protect both buyers and merchants:

Hold/Settle Pattern

  • Credits are held (not spent) when a checkout is initiated
  • Held credits are settled only after Whop confirms checkout completion via webhook
  • If checkout is not completed within 15 minutes, credits are automatically refunded
  • Failed or mismatched checkouts never settle - credits are returned to the buyer

Identity & Plan Verification

  • User Identity: The user completing checkout must match the user who initiated the purchase
  • Plan Verification: The purchased plan must match the expected plan from the gateway option
  • Fraud Detection: Mismatches are logged as potential fraud and the checkout is blocked
  • Immediate Refund: When fraud is detected, credits are immediately returned to the original user

Technical Safeguards

  • Signed Webhooks: HMAC-SHA256 signature verification ensures webhooks are from Whop
  • Atomic Transitions: State changes are atomic, preventing race conditions between webhook and expiration
  • Idempotency: Duplicate checkout attempts are detected and handled gracefully
  • Audit Logging: All checkout events are logged for compliance and dispute resolution

4. Seller Compliance Standards

Approved sellers must adhere to the following compliance requirements:
  • Accurate Listings: Service descriptions must be truthful and not misleading
  • Delivery Obligations: Services must be delivered as described within reasonable timeframes
  • Communication: Sellers must respond to buyer inquiries in good faith
  • No Prohibited Content: Sellers may not offer illegal, harmful, or policy-violating services
  • No External Payments: All transactions must occur through the platform

5. Merchant Compliance Standards

Merchants operating stores with Community Credits integration must:
  • Vet Sellers: Ensure approved sellers meet quality standards
  • Monitor Activity: Review seller performance and user feedback
  • Fair Revenue Splits: Honor agreed-upon revenue share percentages
  • Transparent Pricing: Clearly communicate credit costs and service fees
  • Policy Enforcement: Remove sellers who violate platform or store policies

6. User Compliance Standards

All platform users must:
  • Maintain only one account per person
  • Not attempt to manipulate credit balances or exploit system vulnerabilities
  • Not engage in coordinated abuse or collusion
  • Use credits only for legitimate platform activities
  • Not circumvent fraud prevention measures

7. Prohibited Activities

The following activities are strictly prohibited and will result in enforcement action:
  • Fraud: Fake transactions, chargebacks abuse, identity theft
  • Money Laundering: Using the platform to obscure the source of funds
  • Self-Dealing: Creating fake purchases to generate earnings
  • Collusion: Coordinating with others to defraud the platform
  • Account Farming: Creating multiple accounts to exploit promotions or limits
  • External Trading: Buying, selling, or trading credits outside the platform
  • Illegal Services: Offering or purchasing services that violate laws
  • Platform Exploitation: Exploiting bugs or vulnerabilities for gain

8. Enforcement Actions

Violations of platform policies may result in one or more of the following actions:
  • Warning: First-time minor violations may receive a warning
  • Payout Hold: Pending earnings may be held for extended review
  • Earnings Reversal: Fraudulent earnings will be reversed
  • Seller Revocation: Seller status may be revoked
  • Account Suspension: Temporary suspension pending investigation
  • Account Termination: Permanent removal from the platform
  • Legal Action: Serious violations may be referred to law enforcement
All enforcement decisions are final. Appeals may be submitted but are not guaranteed review.

9. Reporting Violations

If you witness or experience a violation of platform policies, please report it:
  • Whop DM: @wiseone
  • Subject: Compliance Report
Include as much detail as possible: usernames involved, transaction IDs, screenshots, and a description of the violation. Reports are reviewed confidentially.

10. Financial Integrity

Community Credits maintains strict financial controls:
  • Double-Entry Ledger: All transactions are recorded with full accountability
  • Restricted vs Earned Funds: User funds (restricted) are tracked separately from platform earnings
  • Safe Withdrawal Limits: Platform withdrawals cannot exceed earned amounts
  • Reconciliation: Regular audits ensure ledger accuracy matches actual balances

11. Data Privacy & Security

We are committed to protecting user data:
  • Personal information is never sold to third parties
  • Transaction data is used only for platform operations and fraud prevention
  • Access to sensitive data is restricted to authorized personnel
  • Data retention follows applicable legal requirements

12. Cooperation with Authorities

Community Credits will cooperate with law enforcement and regulatory authorities when required by law or when necessary to:
  • Investigate fraud or criminal activity
  • Respond to valid legal process
  • Protect the safety of users or the public
  • Enforce platform policies

13. Updates to This Policy

This Compliance & Platform Integrity policy may be updated periodically. Material changes will be communicated through platform notifications. Continued use of Community Credits after changes constitutes acceptance of the updated policy.

14. Contact

For compliance inquiries or to report violations:
  • Whop DM: @wiseone
  • Subject: Compliance Inquiry