Terms of Service

1. About these Terms

These Terms govern your use of Rumple, operated by [Company legal name] ("Rumple", "we", "us"). By creating an account or using Rumple, you agree to these Terms. Please also read our Privacy Policy, which explains how we handle your information.

2. The service

Rumple is a question-and-answer service:

• Questioners post questions in a category. Each question is automatically reviewed and rewritten by an AI system before it is published, and may be refused if it is not suitable.
• Answerers answer questions that match their specialties. A question accepts answers for 24 hours after it is posted.
• An AI answer may also be generated for a question.
• Questioners can rate answers, and Questioners and Answerers can exchange direct messages once a conversation is unlocked.
• Some features use Rumple Points.

Questions and answers can be seen by any signed-in Rumple user. Direct messages can be seen by the two people in the conversation.

3. Eligibility and accounts

• You must be at least [Minimum age] to use Rumple, and Rumple is available in [Supported countries].
• You choose a role (Questioner or Answerer) when you sign up. Give accurate information, keep your password secure, and do not share your account. You are responsible for activity on your account.
• Your username, role, verification status and specialties are visible to other signed-in users.

4. Answerers and verification

Answerer accounts provide a credential number (such as a license or certificate number) and choose specialties. A Rumple administrator reviews the submitted information before the account is marked Verified. Only verified Answerers can submit answers and verify AI answers.

"Verified" means only that a Rumple administrator reviewed the information the Answerer submitted. It is not a guarantee of the Answerer's identity, professional licensure, qualifications or the accuracy of their answers. An administrator may remove verification, or decline an application (which changes the account to a Questioner account).

5. Your content

You are responsible for the questions, answers, ratings and messages you submit. You keep [Content ownership and license terms — legal review required]. You allow Rumple to store, display and process your content to operate the service — including sending question text, answer text and search queries to our AI provider to review and rewrite questions, generate AI answers, score answers and power search.

Do not include sensitive personal information (yours or anyone else's) in questions or answers: they are visible to all signed-in users.

6. AI-generated answers

• AI answers are labelled AI Generated.
• They are produced automatically and may be wrong, incomplete or out of date. Check important information independently.
• Verified Answerers can mark an AI answer as verified. That is an individual Answerer's opinion; it does not make the AI answer professional advice or guarantee that it is correct.
• Automated systems also rewrite questions and help score human answers; those results can be imperfect too.

7. Not professional advice

Rumple includes categories such as Medicine, Law and Finance. All answers on Rumple — human or AI — are general information, not medical, legal, financial or other professional advice, and they do not create a professional–client relationship. For decisions that matter, consult a qualified professional. In an emergency, contact your local emergency services.

8. Acceptable use

Do not use Rumple to:

• post unlawful content, or content that infringes others' rights;
• harass, threaten or abuse anyone;
• impersonate anyone, or misrepresent your identity or credentials;
• defraud anyone, spam, or post malicious links or code;
• manipulate Rumple Points, rewards, ratings or verification — for example with multiple accounts, coordinated rating, or payment fraud;
• access accounts or data that are not yours, or disrupt, overload or probe the service or its security.

9. Rumple Points

Rumple Points are units used inside Rumple to access certain features. They are not money, cannot be transferred between accounts, and have no value outside Rumple, except that an Answerer's eligible earned points can be requested as a cash payout through the cash-out process described below. Purchased points can never be cashed out. [Legal classification of Rumple Points — legal/payment-compliance review required]

How you receive points

• Purchases: packages of 100 points ($1.00), 500 points ($5.00) and 1,000 points ($10.00), in US dollars.
• Answer rewards: when a question's 24-hour answer window closes, up to 50 points are shared among its human answers, weighted by the Questioner's rating (70%) and an automated topic-coverage score (30%), rounded down. An Answerer can take their share as points or choose a direct-message conversation with the Questioner instead; if they don't choose within 24 hours, they receive points. A share can be zero.
• AI answer verification: 5 points each time a verified Answerer verifies an AI answer (once per answer).
• Unused message credit: 50 points back to a Questioner whose free message unlock on a question was not used before the 24-hour window closed.
• Grants: administrators can add points to an account.
• Returned cash-outs: points from a rejected cash-out request are returned, with the eligible status they had before.

How points are used

• Asking a question: 100 points.
• Unlocking a direct-message conversation: the first unlock on each of a Questioner's questions is free; other unlocks cost 50 points.
• Cash-out requests (see below).

You cannot spend more points than your balance. Your point history is shown on your Profile. We may change point prices, costs and rewards; changes do not affect transactions already completed. [Notice period for point pricing/reward changes — business decision required]

10. Point purchases and refunds

Purchases are processed by Stripe on a Stripe-hosted checkout page. Rumple does not receive or store your full card details. Points are added after Stripe confirms the payment.

Refund eligibility: [Refund eligibility policy — business decision required]

If a refund is issued for a purchase:

• a full refund removes all of that purchase's points; a partial refund removes a proportional share (rounded down);
• if you have already spent those points, the amount that cannot be removed is recorded as owed, and future points you receive from rewards, purchases or grants are applied to it first. Returned message credits and returned cash-outs are not applied to it.

[Payment disputes and chargebacks policy — business decision required]

11. Cash-out requests

Only Answerer accounts can request a cash payout, and only from eligible points: points earned as an Answerer through answer rewards and AI answer verification rewards. If you owe points from a refunded purchase when you earn a reward, only the part of the reward left after repaying that amount becomes eligible. Your Profile shows how many eligible points you have.

These never become eligible: purchased points, points granted by an administrator, and returned or restored credits (such as a returned message credit). Questioner accounts cannot request cash-outs. When points leave your balance for any reason — for example unlocking a conversation, or a refund reversal — they count against your eligible points first.

• The minimum request is 100 eligible points, and 100 eligible points = $1.00 (US dollars).
• You can have one request pending at a time. The points leave your balance when you submit the request.
• Cash-outs are unavailable while you still owe points from a refunded purchase.

Every request is reviewed by an administrator, who may approve it (and send the payment outside Rumple) or reject it. A rejected request returns its points and restores exactly the eligible status those points had before the request; it does not create new eligible points. Submitting a request does not guarantee approval, a payment date or a particular payment method.

• Payout method and timing: [Payout method and processing time — business decision required]
• Identity verification and fraud review: [Identity verification requirements — business/compliance decision required]
• Taxes: [Tax reporting and responsibilities — legal/tax review required]

Answering questions on Rumple does not make you an employee of Rumple. [Answerer relationship and earnings terms — legal review required]

12. Enforcement and termination

If you break these Terms or misuse Rumple, we may remove your verification, reject cash-out requests, reverse points obtained through misuse, or suspend or close your account. [Enforcement, notice and appeal process — business decision required]

You can stop using Rumple at any time. To ask for your account to be closed, contact us at [Contact email]. [What happens to remaining points when an account closes — business decision required]

13. Availability and changes

Rumple is a new service. Features may change, be interrupted or be discontinued, and we do not promise any particular availability.

14. Disclaimers and liability

[Warranty disclaimer and limitation of liability — legal review required]

15. Changes to these Terms

We may update these Terms. We will update the effective date above and [How users are notified of material changes — business decision required].

16. Governing law

[Governing law and dispute resolution — legal review required]

17. Contact

[Company legal name]
[Postal address, if legally required]
[Contact email]