Terms of Service

1. Agreement to these Terms

These Terms of Service (the "Terms") are a binding agreement between you and Cross Matcher ("Cross Matcher", "we", "us", "our") governing your access to and use of the Cross Matcher website, applications, and services (collectively, the "Service").

By creating an account, checking the acceptance box, or otherwise using the Service, you agree to these Terms and to our Privacy Notice. If you do not agree, do not use the Service. We record the version of the Terms you accept and the date of acceptance.

If you use the Service on behalf of an organization, you represent that you are authorized to bind that organization, and "you" includes that organization.

2. Eligibility — you must be an adult

You must be at least 18 years old (or the age of majority in your jurisdiction, if higher) and legally able to enter into binding contracts. By creating an account you affirm that you meet this requirement. The Service is not directed to children, and we do not knowingly collect data from anyone under 18.

You must not be barred from using the Service under any applicable law, and you must not be located in, ordinarily resident in, or acting on behalf of any person in, a country or region subject to comprehensive sanctions, nor be a person with whom dealings are prohibited under applicable sanctions or export-control laws.

3. What Cross Matcher is — and is not

Cross Matcher is a neutral venue and software service that helps independent parties discover potential counterparties whose needs are complementary, and coordinate mutual-help (互助) engagements ("Engagements") between them.

We are NOT a party to any Engagement, agreement, exchange, or arrangement between users. We do not employ users, do not perform or supervise the help exchanged, do not buy, sell, inspect, or take custody of any goods or services, are not a broker, agent, employer, contractor, fiduciary, guarantor, surety, or insurer of any user, and we do not guarantee any match, counterparty, quality, legality, or outcome.

Cross Matcher does not guarantee, warrant, insure, or stand as surety for the mutual-help Engagements between users, or for any user's performance or conduct. Each user deals with other users entirely at their own risk; any obligation arising from an Engagement is owed solely between the users involved, not by Cross Matcher.

The Service uses no money. There are no payments, fees, commissions, top-ups, withdrawals, payouts, escrow of cash, or custody of funds of any kind. The only unit of account in the Service is points (积分), described in Section 6.

Matches are algorithmic suggestions generated from the information users provide and from machine-learning embeddings of that text. They are not endorsements, recommendations, or verification of any user.

4. Your account and authentication

Sign-in uses two steps: a one-time code sent to your verified email, plus a second factor — an authenticator (TOTP) app or a code sent to a verified phone. You are responsible for safeguarding your email, authenticator, and phone, and for all activity under your account.

Keep your profile information accurate. Notify us promptly of any unauthorized access or security incident. We may suspend or terminate an account we reasonably believe is compromised, fraudulent, abusive, or unlawful.

5. You assume the risk of dealing with other users

We do not verify the identity, qualifications, licensing, solvency, intentions, or conduct of any user, and we make no representation that any user, match, or Engagement is suitable, available, lawful, safe, or honest.

You are solely responsible for evaluating, vetting, negotiating with, and deciding whether to engage any counterparty, and for the legality, safety, taxation, licensing, insurance, and performance of anything you offer, request, or exchange. You assume all risk arising from your dealings with other users, including non-performance, misrepresentation, fraud, defects, delay, loss, property damage, personal injury, or dispute.

Any arrangement you form with another user is solely between you and that user. We are not responsible for enforcing it.

6. Points (积分) — a non-monetary, no-cash-value in-app utility

Points (积分) are an in-app utility that exists only inside the Service to support participation, matching, mutual-help requests, levels, and leaderboards. Points are NOT money, currency, electronic money, a stored-value instrument, a security, a token, or property. Points have no cash value, are not redeemable or exchangeable for money, goods, services, or anything of value outside the Service, are not transferable except through features we expressly provide (such as in-app gifting between users), and confer no ownership, equity, interest, or rights against Cross Matcher.

You cannot buy points and you cannot cash them out. There is no payment, top-up, withdrawal, payout, refund, or money transfer in the Service. Nothing in the Service involves real funds, and your point balance is not a deposit, account balance, or claim to any money.

How points are earned. You may earn points through in-app activity we define from time to time — for example, a daily first-login reward, a bonus for your first completed Engagement of the day, a two-sided referral reward when someone you invited completes their first Engagement, a reward for participating in a community dispute vote, and a starting grant for new accounts. We may also let users gift points to one another, up to the giver's available balance.

Levels. Your level is derived from the points you currently hold. Because your level tracks your current balance, spending, staking, or gifting points away can lower your level. Levels are cosmetic standing within the Service and carry no monetary or external value.

We may change, suspend, expire, reduce, revoke, recalculate, or zero out points, point rewards, point amounts, levels, and leaderboards at any time, in our sole discretion, including to correct errors, prevent abuse, reflect inactivity, or change how the economy works — without compensation, because points have no cash value. Points may be forfeited on suspension, termination, or violation of these Terms.

Because points are not money, no tax, payment-processing, withholding, money-transmission, or financial-services obligation arises from earning, holding, staking, gifting, or losing points, and Cross Matcher does not report point activity as income.

7. Mutual-help requests, staked points, and what is at risk

An Engagement is created when a user posts a mutual-help (互助) request. A request may stake a bid of points — from zero up to the poster's available balance. A zero-point request is pure goodwill, with no points at stake. While a request or Engagement is live, the staked points are reserved (your available balance is your total balance minus reserved points), so you cannot stake the same points twice.

A request is resolved in one of two ways. In a one-sided claim, a helper fulfills the poster's request and earns the poster's staked points. In a swap, both parties offer a request and help each other, with the staked points acting as collateral on each side.

Staked points are at risk. If an Engagement is disputed and you are found to be the defaulting party, you may forfeit the points you staked — they may be transferred to the other party or removed from your balance — as described in Section 8. Because points have no cash value, any loss of staked points is a loss of in-app utility only, never of money.

8. Disputes — community jury vote with admin tie-break

If an Engagement goes wrong, either party may open a dispute. After an evidence window in which the parties may submit information, a public community vote opens for a fixed period (currently 24 hours). Any eligible user — other than the two parties to the dispute and platform administrators — may cast a single, immutable vote during that window, and voters may receive a small point reward for participating. The majority decides the outcome; if the vote is tied, the dispute is escalated to a platform administrator who decides.

Each losing party may appeal once. If a party prevails again after the other party's single appeal has been used, the result is final ("winner-twice = final"). The outcome determines how the staked points for that Engagement are allocated between the parties.

A dispute outcome is a community- and discretion-based determination, not a court judgment, arbitration award, or legal finding of fault. It is inherently contestable: it turns on facts we and the voters cannot fully verify, it is reached from the information and evidence the parties submit, and it may be incomplete or mistaken. By using the Service you agree that a dispute outcome is final and binding between the parties solely as to the in-app points staked on that Engagement, and that it resolves nothing off the platform and nothing beyond those staked points.

Our role is limited to operating this process. We may decline to run or may pause a vote, freeze staked points pending resolution, apply completion or default timeouts, reverse an outcome obtained by fraud or manipulation, and we do not guarantee the timing, method, or correctness of any vote or tie-break. We are not an arbitrator, mediator, escrow agent, collection agency, or fiduciary, and our maximum responsibility for any dispute is limited to the points held on the platform for that Engagement. We are not liable to you beyond those staked points, and you agree not to bring any claim against Cross Matcher arising from a good-faith dispute outcome, except to the extent such a waiver is not permitted by applicable law.

9. No liability for off-platform dealings

Anything that happens outside the Service — including any payment, money, value, goods, services, side arrangement, or obligation that users exchange or agree to off the platform — is entirely between those users and entirely at their own risk. We cannot see, trace, hold, recover, refund, or adjudicate it, and we accept no responsibility or liability for it.

The Service's protections, including the dispute process in Section 8, apply only to in-app points staked through the platform's request mechanics. Money or value moved off-platform is outside the Service and outside any remedy we provide. Keep your dealings within the platform for its features to apply.

10. Your content and acceptable use

You are responsible for the content you submit (profile, requests, messages, evidence). You represent that you have the rights to submit it and that it is accurate and lawful. You grant Cross Matcher a worldwide, non-exclusive, royalty-free license to host, store, reproduce, process, translate, create embeddings of, and display that content as needed to operate, secure, and improve the Service.

You will not use the Service to: break any law or regulation; offer or seek illegal, dangerous, or licensed-without-license goods or services, including weapons, drugs, sexual services, regulated financial or medical services, or stolen or counterfeit goods; defraud, deceive, launder money, evade sanctions or taxes, or finance illegal activity; treat, advertise, resell, or solicit points as if they had cash value or could be exchanged for money; post infringing, defamatory, harassing, hateful, sexually exploitative, or violent content; impersonate others or misrepresent affiliation; create fake or duplicate accounts; collude, wash-match, vote-rig, sybil, farm points, or otherwise manipulate matching, requests, disputes, votes, levels, reviews, or reputation; scrape, crawl, reverse engineer, decompile, overload, probe, or circumvent security or access controls; or infringe anyone's rights.

We may screen, moderate, translate, filter, limit, remove, or refuse content, and may investigate suspected violations, cooperate with law enforcement, adjust or revoke points obtained through abuse, and suspend or terminate accounts, at our discretion, with or without notice.

11. Data, logging, and privacy

We process your account data and submitted content to provide matching (including generating text embeddings and translating displayed matches), to operate the points economy, to run disputes and community votes, to provide support, and to comply with law. Our Privacy Notice describes this in more detail.

For security, fraud prevention, and dispute resolution, we maintain an audit trail of key actions (such as registration, sign-in, requests, claims, swaps, completions, point movements, and dispute votes), which may include IP address, device/user-agent, and timestamps. You can view your own activity trail in the app. You must not submit information about yourself or others that you are not authorized to share.

12. Intellectual property and feedback

The Service, including its software, models, design, and content (excluding user content), is owned by Cross Matcher and protected by intellectual-property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for its intended purpose. All rights not expressly granted are reserved.

If you send us feedback or suggestions, you grant us a perpetual, irrevocable, royalty-free license to use them without restriction or obligation to you.

13. Disclaimers — no warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND ANY WARRANTY THAT MATCHES, COUNTERPARTIES, POINTS, OR OUTCOMES WILL MEET YOUR EXPECTATIONS. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT POINTS, LEVELS, OR LEADERBOARDS WILL BE PRESERVED.

Nothing on the platform is legal, financial, tax, accounting, or other professional advice. Some jurisdictions do not allow certain disclaimers, so some of the above may not apply to you.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CROSS MATCHER AND ITS OPERATORS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, POINTS, LEVELS, OR OPPORTUNITY, OR FOR THE CONDUCT, PERFORMANCE, OR CONTENT OF ANY USER OR THIRD PARTY, WHETHER OR NOT WE WERE ADVISED OF THE POSSIBILITY.

BECAUSE THE SERVICE INVOLVES NO MONEY AND POINTS HAVE NO CASH VALUE, YOU AGREE THAT LOSS, EXPIRY, REVOCATION, OR REALLOCATION OF POINTS IS NOT A MONETARY LOSS AND GIVES RISE TO NO MONETARY CLAIM AGAINST US. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE IS LIMITED TO USD 100. These limits do not apply to liability that cannot be limited under applicable law.

15. Indemnification

You agree to indemnify, defend, and hold harmless Cross Matcher and its operators from and against any claim, demand, loss, liability, damage, or expense (including reasonable legal fees) arising out of or related to your use of the Service, your content, your Engagements or dealings with other users, your violation of these Terms, or your violation of any law or third-party right.

16. Suspension and termination

You may stop using the Service and close your account at any time. We may suspend, restrict, or terminate your access at any time, with or without notice, including for suspected fraud, abuse, point manipulation, risk, or violation of these Terms or law. On suspension or termination, your points may be frozen, reduced, or forfeited without compensation, because points have no cash value.

On termination, your license to use the Service ends. Provisions that by their nature should survive — including Engagements and disputes in flight, content licenses, disclaimers, liability limits, indemnities, and the governing-law and dispute-resolution terms — survive termination.

17. Changes to the Service and to these Terms

We may modify, suspend, or discontinue any part of the Service — including the points economy, earning rules, point amounts, levels, and leaderboards — at any time. We may update these Terms; if changes are material we will provide notice (for example, in-app or by email), and your continued use after the effective date constitutes acceptance of the updated Terms. The version you accepted is recorded against your account.

18. Governing law and dispute resolution with us

These Terms are governed by the laws of the jurisdiction in which Cross Matcher is established, without regard to conflict-of-laws rules, and excluding the U.N. Convention on Contracts for the International Sale of Goods. This Section concerns disputes between you and Cross Matcher about the Service itself; disputes between users about an Engagement are handled by the community process in Section 8.

To the maximum extent permitted by law, any dispute between you and Cross Matcher will be resolved by binding individual arbitration rather than in court, and you and we waive any right to a jury trial and to participate in a class, collective, or representative action. You may opt out of arbitration within 30 days of first accepting these Terms by contacting us. Nothing in this section limits rights or remedies that cannot be waived under the mandatory consumer-protection laws of your place of residence, or either party's right to seek injunctive relief for intellectual-property or unauthorized-access claims.

19. General

Electronic communications: you consent to receive notices, agreements, and disclosures from us electronically. Severability: if any provision is unenforceable, the rest remains in effect and the provision is enforced to the maximum extent permitted. No waiver: our failure to enforce a provision is not a waiver. Assignment: you may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Entire agreement: these Terms and the documents they reference are the entire agreement between you and us regarding the Service. Force majeure: we are not liable for delays or failures caused by events beyond our reasonable control.

Contact: business@crossmatcher.com.