Is Funtoosh really anonymous?

Your answers are anonymous to the person who asked — they cannot see who replied 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. Funtoosh is not end-to-end encrypted.

Which languages are supported?

Funtoosh is fully translated into 8 languages today: English, Hindi, Spanish, French, German, Arabic, Japanese, and Portuguese. More are on the way.

We use TLS for data in transit, encryption at rest with our database provider, strict content-security headers, XSS protection, secure cookies, and internal access limited to the staff who need it.

Wallet Policy | Funtoosh

1. Introduction

Funtoosh Wallet is a closed-loop digital wallet integrated with our authorised payment gateways (Cashfree / Razorpay / PayU, admin-controlled). It lets you:

Add money via UPI, credit/debit cards and net banking.
Send and receive Golden Cards — paid identity-reveal requests.
Earn money (Earnings) and withdraw it to UPI after KYC.

This page is maintained to match the running application. Limits that an admin can change are resolved server-side; numbers below are the current defaults.

2. Wallet Sub-balances

Deposit

Money you added. Used for Golden Cards, shop, Plus and other wallet payments. Not withdrawable to bank.

Earnings

Money you earned (accepted Golden Cards and other earning flows). Withdrawable to UPI after KYC.

On Hold

Escrow for Golden Cards you have sent. Released to the receiver on accept, or refunded on reject/expiry.

3. Balance Limits & KYC

KYC is live. Submit PAN + Aadhaar + selfie in the Wallet tab; an admin reviews and verifies. KYC is required to withdraw Earnings.
Without KYC: maximum aggregate wallet balance of ₹10,000 (Deposit + Earnings + On Hold) at any time.
Minimum add money: ₹100 (admin-configurable).
Minimum withdrawal: ₹1,000 (admin-configurable). Daily withdrawal cap for KYC-verified users: ₹25,000 (admin-configurable, enforced inside a single DB transaction).

4. Adding Money (Recharge)

Recharge through the configured gateway's secure checkout — UPI, Visa/Mastercard/RuPay cards and Indian net banking where the gateway supports them.
Deposit GST is OFF by design: the amount you pay is the amount credited to your Deposit (no GST is added to deposits).
Money is credited only after the gateway confirms a successful payment with a verified server-side signature/webhook (idempotent — duplicate callbacks never double-credit).
If your bank was debited but the wallet was not credited, the gateway auto-reverses within ~24 hours in most cases; otherwise email support with your bank reference.

5. Golden Cards & Escrow

A Golden Card is a paid identity-reveal request. It can be sent from an anonymous chat, an anonymous answer, or a confession context — never to yourself, and never again to a pair already connected (My Funtoosh).
Minimum amount ₹500. The receiver sets their own rate in Settings → Interactions (floor ₹500, no upper limit); the server enforces the receiver's rate.
On send, the card amount (plus GST if the GST engine is collecting — see §8) moves from Deposit to On Hold (escrow).
Pending window: 15 days (Funtoosh Plus members: 5 days).
On Accept: identities reveal mutually, your chat moves to My Funtoosh with history, and the receiver's Earnings are credited after the commission split (§6).
On Reject or Expiry (both silent): the card amount plus GST is refunded to your Deposit and you get one wallet refund notification.

6. Commission (Per-User Split)

There is no fixed commission rate for everyone. Commission is a per-user split: each receiver's profile carries their commission percentage — that percentage is the platform's cut, and the receiver earns the rest. Admin can set a per-user override; when a user has none, the admin's global default applies (currently 50%).

Example — receiver's commission 40%

₹1,000 Golden Card accepted → platform retains ₹400 (40%), receiver's Earnings get ₹600 (60%).

Example — default 50%

₹1,000 Golden Card accepted → platform retains ₹500 (50%), receiver's Earnings get ₹500 (50%).

The exact split is shown transparently at the time you send or accept a card.

7. Withdrawals to UPI

Only Earnings can be withdrawn. Deposit and On Hold are not withdrawable.
Withdrawal goes to your personal UPI ID (VPA).
KYC verified is mandatory (RBI / anti-money-laundering norms).
Minimum withdrawal ₹1,000; daily cap ₹25,000 (defaults, admin-configurable).
Payouts are reviewed and processed manually — typically within 24 hours.
Every withdrawal request re-verifies your wallet PIN server-side, is checked against the daily cap and FY TDS cumulative inside one database transaction (a race can never exceed the cap), and writes a full ledger trail.
If a payout fails (wrong UPI, UPI down), the amount is returned to your Earnings and you can retry.

8. Fees & Tax (GST / TDS)

No fee on deposits. No GST on deposits (engine OFF by design).
Withdrawal fee: 5% of the gross amount — the only fee on a withdrawal.
TDS §194J: 10%, withheld once your cumulative withdrawals in a financial year (Apr 1 – Mar 31) cross ₹30,000. From the crossing withdrawal onward, TDS applies to the full amount. TDS is a statutory deduction collected only when the platform's TAN is on file (TAN-gated) — it is not a platform fee.
GST on Golden Cards / chat / shop / Plus is governed by the GST engine: when the platform's GSTIN is saved and the engine is ON, the configured rates apply (Golden Card & paid chat: GST added on top; shop prices are GST-inclusive; Plus: added on top). When the engine is OFF no GST is collected. Refunds of Golden Cards return amount + GST.

9. Security (PIN, Biometrics, RLS)

Wallet PIN is live and mandatory for wallet access. Unlock lasts 15 minutes; every ₹100+ spend (chat, Golden Card, shop, Plus) requires a fresh PIN unless you opted out per category in PIN settings.
Optional biometric unlock (device WebAuthn / biometric spend token) is available on supported devices.
Wrong-PIN attempts are rate-limited and locked out; every attempt is audited for support evidence.
Wallet, ledger, withdrawal and Golden Card tables are row-level-security locked: you can read only your own rows, and no money row can be written directly by a client — all money movement runs through server-side routes and service-role RPCs.
Payment responses/webhooks are signature-verified; credits are idempotent; every transaction is logged in your wallet history.

10. Frozen Wallets & Support Holds

If your wallet is frozen by support (fraud review, dispute, compliance hold), all money movement stops — adding money, withdrawals, Golden Card sends, paid chat, shop and Plus purchases are blocked with “Wallet frozen — contact support” until the hold is reviewed and lifted.

11. Prohibited Use

Using stolen cards, stolen UPI access, or unauthorised payment methods.
Chargeback fraud — permanent ban and legal action.
Money laundering, circular transfers between own accounts, or any use in violation of Indian law (PMLA, IT Act, IPC provisions).
Using the wallet to pay for adult content, gambling, illegal goods, or activity prohibited under our Content Policy and Guidelines.

12. Disputes & Refunds

For any payment dispute, failed recharge, unauthorised transaction, or refund request, contact us within 30 days at [email protected] with the transaction ID (visible in Wallet History). Refunds follow our Refund Policy. Valid disputes are resolved within 7–14 working days in coordination with the gateway and your bank.

13. Contact

Support: [email protected]
Phone: +91 94540 43072
Address: D 24/8, Himalay Bhawan, Shatabdi Nagar, Panki, Kanpur, Uttar Pradesh 208020, India.

For Grievance Officer details, please visit our Grievance Redressal page.

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.