Credit Expiration Policy

Effective Date: January 27, 2026 | Version 3.0

Summary

Credits are a consumable digital good intended for active use within the platform. Credits may expire after prolonged inactivity and do not represent stored monetary value or refundable balances.

Nature of Credits

Credits have no cash value
Credits are not legal tender
Credits are non-transferable and non-refundable
Credits may only be used to access platform features and services
Credits do not constitute property, funds, or a monetary claim

Credit Expiration

Unused credits may expire after a period of inactivity.If a user does not log in or otherwise engage with the platform for twelve (12) consecutive months, unused credits associated with that account may expire and lose functionality.Credits are intended to be used as part of ongoing participation.

What Counts as Platform Activity

Any of the following resets the inactivity period:

logging into the Community Credits platform
purchasing credits
spending credits on features or services
receiving credits from completed sales (for sellers)
any authenticated platform interaction

Notification Schedule

After 9 months of inactivity: first reminder notification
After 10 months of inactivity: second reminder notification
After 11 months of inactivity: final reminder with instructions to remain active
After 12 months of inactivity: unused credits expire

What Happens When Credits Expire

Upon expiration:

credits are permanently removed from the account
expired credits have no remaining value or utility
expired credits cannot be reinstated, refunded, or redeemed
accounts may be closed if inactivity continues

How to Maintain Your Credits

To keep credits active, users may:

log in periodically
spend credits on available features
respond to inactivity notifications
contact support regarding temporary absences

Exceptions

Credit expiration does not apply to:

accounts with active subscriptions (renewals count as activity)
accounts with pending disputes
accounts where support has approved a temporary inactivity exception

Notification Responsibility

Reasonable efforts are made to notify users prior to expiration.Users are responsible for:

maintaining a valid email address
monitoring email and platform notifications
checking spam or junk folders

Contact

For questions regarding this policy:

Whop DM: @wiseone
Subject: Credit Expiration Policy Inquiry