Is Funtoosh really anonymous?

Your answers, confessions and chats are anonymous to the other person — they cannot see who wrote them unless you reveal yourself. Your account is not anonymous to us: you sign in with email or Google, and like any hosted service we keep operational logs.

Asking questions, answering and posting confessions are free. Paid chats, audio and video calls and Golden Cards are charged from your INR wallet at the rate the creator sets. Rates are not fixed — they can change — and the exact amount is always shown before you confirm a payment.

How do I get the Android app?

The Funtoosh Android app is distributed directly from funtoosh.online, not from the Play Store. The download page will go live with the signed APK shortly. Until then Funtoosh works fully in any mobile browser.

Golden Card is a paid offer sent inside an anonymous chat to reveal identities to each other. It only works if both people accept — if either side declines, nothing is revealed and the offer is refunded as per the Wallet Policy.

How does the wallet work?

Recharge in INR with UPI, cards or netbanking. The balance pays for chats, calls, Golden Cards, Plus and shop orders. Creators earn into the same wallet and can withdraw to their bank account after KYC, as described in the Wallet Policy.

What is Funtoosh Plus?

Funtoosh Plus is a monthly subscription that adds perks like more Cross Finger requests, shorter cooldowns and a PRO badge. The current price and full perk list are shown inside the app on the Plus page.

Payment Terms | Funtoosh

1. Introduction

The Funtoosh Wallet lets members add money in Indian Rupees and spend it on paid chat, audio and video calls, Golden Cards, confession suggestions, Funtoosh Plus, ad placements and shop orders, and lets creators receive and withdraw earnings. These Payment Terms govern every financial transaction on the Platform and complement the Terms of Service, Wallet Policy, Refund Policy and Privacy Policy. Funtoosh is not a bank; wallet balances are prepaid credits for Funtoosh services.

2. Definitions

Deposit balance: Money you add to the wallet. Spendable on the Platform, not withdrawable to a bank.
Earnings balance: Money you receive from other members after platform commission. Withdrawable after KYC.
On Hold: Money reserved for a pending Golden Card until it is accepted, declined or expires.
Rate: The per-message, per-minute or minimum-offer amount a creator sets for their own chats, calls and Golden Cards.
Floor / minimum: The lowest rate or amount the Funtoosh team allows, set from the admin panel.

3. Wallet Recharge

Currency: INR only. There is no foreign-currency or international recharge.
Methods: wallet top-ups use PayGlocal checkout, with UPI, debit/credit cards and net banking where PayGlocal offers them. Funtoosh never sees your card number, CVV or bank OTP.
Minimum recharge: ₹100. Without KYC your total wallet balance is capped at ₹10,000. Both are admin-configurable; the live values are shown in the Wallet.
Funds are credited after the gateway confirms payment, normally within seconds. If your account is debited but the wallet is not credited within 30 minutes, email support with the payment reference.
No fee and no GST is charged on recharges today. If that changes, the amount will be shown before you pay.

4. How Prices Work

Prices on Funtoosh are not fixed. Creators set their own rates within floors set by the Funtoosh team, and the team can change floors, minimums, Plus pricing and ad pricing from the admin panel at any time without prior notice. The exact amount is always shown on screen before you confirm any payment, and that amount is the one that applies. Amounts written in any policy are examples or current defaults, not promises.

5. Paid Chat, Calls & Golden Card

Paid chat: Each chat starts with a few free messages. After that, every message you send is charged at the per-message rate set by the other person. You see the rate and confirm before the first paid message. The amount is held in escrow and released when they reply; no reply within 7 days → automatic refund to your wallet.
Audio & video calls: Billed per minute at the receiver's rate, shown before the call connects. Billing stops when the call ends.
Golden Card: You choose an amount at or above the receiver's minimum. The amount (plus GST where enabled) moves to On Hold. If the receiver accepts, the identities are revealed and the receiver earns the amount minus commission. If the receiver declines, or the card expires unanswered — 15 days, or 5 days when the receiver is a Plus member — the full amount including GST is returned to your Deposit balance.
Confession suggestions: Where a confession author enables paid suggestions, the suggester pays the price set by the author, plus GST where enabled.
Cross Finger requests are free, subject to monthly quotas and cooldowns.

6. Funtoosh Plus & Ads

Funtoosh Plus is a monthly subscription paid from the wallet. The current price and the full perk list are shown on the Plus page in the app. It does not auto-charge your bank; it renews only when you pay again. Plus fees are non-refundable once activated.
Ads: Members can promote a profile or a video ad in designated sections. Placement prices (monthly or yearly per section) are shown on the Ads page and paid from the wallet. Ads go live only after review by the Funtoosh team; an ad rejected at review is refunded to the wallet, an approved ad is not.

7. Commission, Fees & Taxes

Platform commission: When a creator earns (paid chat, calls, accepted Golden Card, suggestions), Funtoosh retains a commission from the base amount. The default is 50%; the team may set a different percentage for an individual creator. Your split is visible in the Wallet.
Withdrawal fee: 5% of the gross withdrawal amount — the only fee on withdrawals.
TDS (Section 194J): 10% is withheld once a creator's cumulative withdrawals in a financial year (1 April – 31 March) cross ₹30,000. TDS is deposited with the government against your PAN and is not a platform fee.
GST: When Funtoosh's GST collection is enabled, GST (currently 18%) is added on top of chat, call, Golden Card, suggestion, Plus and ad payments and shown before you pay; shop prices are GST-inclusive. Commission and creator earnings are calculated on the base amount, never on GST.
Payment gateway charges, if any, are borne by Funtoosh unless shown separately at checkout.

8. Refunds

Refunds follow the Refund Policy. In short: Deposit balance is not refundable to your bank; Golden Cards are refunded in full (including GST) on decline, expiry or cancellation before a response; delivered paid messages, completed call minutes, activated Plus and approved ads are not refundable; duplicate or failed-but-debited gateway payments are reversed after verification.

9. Withdrawals & KYC

Only the Earnings balance can be withdrawn.
KYC is mandatory before the first withdrawal: PAN, Aadhaar and a selfie, reviewed by the Funtoosh team. KYC documents are used only for verification and tax compliance (see Privacy Policy).
Minimum withdrawal ₹1,000; daily cap for verified members ₹25,000 (both admin-configurable). Each request re-verifies your wallet PIN.
Payouts go to the bank account or UPI ID on file after review, normally within 2–3 working days. Rejected requests (wrong UPI, KYC mismatch, fraud review) are returned to your Earnings balance.

10. Fraud Prevention

Funtoosh may hold, reverse or freeze wallet activity during a fraud, chargeback or abuse review, per the Wallet Policy.
Prohibited: money laundering, stolen cards, chargeback abuse, self-dealing between your own accounts, fake accounts farming earnings, and buying or selling wallet balances.
Wallet PIN, optional biometric unlock and rate limits protect your balance; keep your PIN private.

11. User Responsibilities

Check the amount on screen before confirming any recharge, message, call, Golden Card, Plus or ad payment.
Provide accurate KYC and payout details; keep your wallet PIN and password private.
Understand that creator earnings depend on other members' choices and are not guaranteed.

12. Platform Responsibilities

Show every price before payment, keep a full transaction history and downloadable statements in the Wallet, and issue invoices where GST applies.
Process withdrawals within the stated timelines and comply with applicable financial, tax and data protection law, including the DPDP Act and IT Act.

13. Contact Information

Billing & Payments: [email protected] — reply within 24 hours (Mon–Sat, 10 AM – 6 PM IST)
Grievance Officer: [email protected] — 15 days per IT Act, details at /grievance-redressal

Effective Date: September 23, 2026 • Last Updated: September 23, 2026 • All amounts in Indian Rupees.

Grievance Officer (IT Rules 2021)

Somesh Mishra
D 24/8, Himalay Bhawan,
Shatabdi Nagar, Panki,
Kanpur,
Uttar Pradesh – 208020,
India
Email: [email protected]
Phone: +91 94540 43072 (10 AM – 6 PM IST)

Statutory timelines we work to: acknowledgement within 24 hours; disposal within 15 days; prohibited content under Rule 3(2)(b) within 72 hours; non-consensual sexually explicit or morphed content under Rule 4(1)(p) within 24 hours; court or government orders under Rule 3(1)(d) within 36 hours. Removed content and the associated records are retained for 180 days for investigation purposes. These are the limits set by law for us to act within; they are not a guarantee of any particular outcome on any particular report.

Before we remove or disable content on our own initiative, Rule 4(8) requires us to notify you with reasons and give you a reasonable opportunity to dispute it. Automated tools may flag content, but a human reviews before any account-level action is taken. See the Transparency Report.

Your rights under the DPDP Act 2023

Notice and consent (§5): we tell you what we collect and why before you agree, and you can withdraw consent at any time in Settings.
Purpose limitation (§4, §6): your data is used only for running Funtoosh, safety, payments and legal obligations — never sold, never used to build advertising profiles.
Access and correction (§11): you can view and correct your profile data in Settings.
Erasure (§12): you can delete your account from Settings → Account. See Data Retention for what the law requires us to keep afterwards, and for how long.
Retention limit (§8(7)): we erase personal data once the purpose it was collected for is over, unless a law requires us to keep it.
Grievance redressal (§13): write to the officer named above, or use Grievance Redressal. Unsatisfied with the decision? Appeal to the Grievance Appellate Committee within 30 days. Data protection queries: [email protected].

Age: Funtoosh is for users aged 18 and over. Under the DPDP Act 2023 a person under 18 is a Child and we do not knowingly create accounts for them. No guarantees: Funtoosh is provided on an as-is basis. Nothing on this page is a guarantee of any specific result, earning, delivery time or moderation outcome.