1. Eligibility. You must be at least 18 years old to use this service. By creating an account you confirm you are 18 or older.

2. The service. phonesexclubs connects members with independent adult phone entertainers ("advisors") for live phone, chat, and video sessions. Advisors are independent contractors, not employees of phonesexclubs.

3. Your account. You may create one account and are responsible for keeping your login private. Only your screen name is visible to advisors -- never use your real name as your screen name.

4. Billing. Sessions are billed at the per-minute rate set by each advisor, plus any applicable fees. Your statement shows a discreet billing descriptor that does not identify the nature of the service. By adding funds or placing a call you authorize us to charge your payment method.

5. Promotions. We may offer promotional minutes from time to time, subject to the terms stated with each offer and limited to one per member unless stated otherwise.

6. Acceptable use. You agree not to harass, threaten, or abuse advisors; not to record sessions without consent where the law requires it; not to share your account; and not to use the service for any unlawful purpose. We may suspend or terminate accounts that violate these terms.

7. Refunds. Purchases of minutes are final and non-refundable except where required by law. If you believe you were billed in error, contact support@phonesexclub.com within 30 days.

8. Chargebacks. A $30 processing fee may be assessed per chargeback, and your account may be suspended.

9. Privacy. How we handle your information is described in our Privacy Policy. Your phone number is never displayed to advisors.

10. Disclaimers. The service is provided "as is." To the maximum extent permitted by law, we disclaim all warranties and limit our liability to the amounts you paid in the 12 months before a claim arose.

11. Changes. We may update these terms; your continued use after changes means you accept them.

12. Contact. support@phonesexclub.com