Content Policy

ChikiPay is built for creators. Our content policy is designed to be clear, fair, and stable — so you always know where you stand. We won't surprise you with sudden policy changes that wipe out your storefront overnight.

Where the line comes from

ChikiPay processes payments through CCBill, an established payment processor that works with creator businesses. Every rule below reflects what CCBill's merchant terms allow us to accept. When CCBill's terms don't allow a category, we can't accept it — the alternative is losing our merchant account, which would take your whole storefront down with it.

Being upfront about this matters. When other platforms tell you "we don't allow X," they often mean "our payment processor doesn't allow X" but won't say so. When we say the same, we mean it the same way — and the rules stay stable as long as CCBill's rules stay stable.

Allowed Content

• Cosplay photography
• Boudoir and glamour photography
• Lingerie and swimwear modeling
• Suggestive and implied content
• Artistic nude photography (non-sexual context)
• Fitness and athletic photography
• Fashion and editorial photography
• Behind-the-scenes and set photography
• Digital art, illustrations, and prints
• Video content in the above categories

Not Allowed

• Sexually explicit content (penetration, explicit sexual acts, visible genitalia in a sexual context)
• Content involving minors, or content depicting anyone as a minor, in any context
• Non-consensual content, or content depicting non-consent
• AI-generated deepfakes depicting real, identifiable people
• Extreme fetish content (violence, weapons, gore, non-consensual scenarios)
• Content that violates any applicable law in your jurisdiction OR the buyer's
• Content promoting violence, hate, or illegal activities
• Content you don't have the rights to sell

How we review content — privacy first

We take the position that reviewing your work should not require another human being to look at your work. Here's how we make that real:

Step 1: automated pre-screening on upload

Every file you upload runs through an automated moderation system before it ever reaches a person. The system classifies the file into three buckets:

• Auto-approved — clearly within policy. Goes live without any human review.
• Auto-rejected — clearly outside policy. Blocked; you get an email explaining which rule was triggered.
• Needs review — edge case. Goes to our review queue.

The vast majority of uploads (~90%+ in similar systems) fall into auto-approved or auto-rejected. No human ever sees the file.

Step 2: human review only for edge cases

When a file lands in the "needs review" queue, the reviewer sees the preview version of the file — the blurred, low-resolution watermarked thumbnail that would be shown on your storefront — not the original. That's enough to make a policy call in almost every case, and it keeps the review process aligned with what a buyer would see anyway.

Step 3: no random human browsing

Admins do not routinely open originals. Originals are only accessed when there's a specific reason — a copyright dispute, a fraud investigation, a leak trace against a buyer's forensic watermark. Every access is logged and auditable.

Verification and KYC

Before your first payout, you complete a standard KYC (Know Your Customer) check. This covers legal name, date of birth (proof of adulthood — you must be 18+ everywhere on the platform, including behind the scenes), tax ID for 1099-NEC reporting, and payout details.

Your KYC information is encrypted at rest and only accessible to admins for the narrow purposes required by law: tax reporting, fraud investigation, and identity verification when there's a specific reason to check. It is never shown to buyers, never used for marketing, and never sold.

DMCA and Copyright

We respect intellectual property rights and comply with the Digital Millennium Copyright Act (DMCA).

• If you believe your copyrighted work is being sold without authorization, submit a DMCA takedown request to dmca@chikipay.app
• We review and act on valid takedown requests within 48 hours
• Affected creators are notified and given the opportunity to file a counter-notice
• Repeated copyright violations result in account termination

Buyer reporting

Buyers can report content they believe violates our policy. Reports go into the same "needs review" queue described above — a reviewer looks at the preview, not the original, unless a specific escalation reason applies.

Enforcement

We handle policy violations through a graduated response:

1. First issue: we contact you, explain the problem, and give you time to fix it
2. Repeated issues: content may be suspended pending review
3. Serious violations: immediate content removal and possible account suspension
4. Egregious violations (minors, non-consent, illegal): immediate and permanent account termination, plus reporting to the appropriate authorities as required by law

Our commitments to you

• We will never change this policy to remove entire content categories without giving creators at least 90 days notice and the ability to export their data.
• We will never look at your originals without a specific, logged reason.
• We will never sell, share, or use your work in marketing without your written permission.
• If we're ever forced by law to remove content, we'll tell you specifically what and why, and give you a chance to appeal.
• If our payment processor's rules change in a way that affects what you can sell, we'll tell you within 7 days of learning about it — not after we've already delisted your products.

Questions?

If you're unsure whether your content fits our policy, ask us at support@chikipay.app before uploading. We'd rather help you figure it out upfront than create problems later.