Terms of Use
General Terms of Use
These Terms and Conditions (hereinafter, the “Terms” or the “Agreement”) govern the access to and use of the technological services offered under the W PAYMENTS brand, a platform operated by TWC INTERNATIONAL LLC, a limited liability company organized under the laws of the State of Wyoming, United States of America (hereinafter, “W Payments”, the “Company”, or “We”).
These Terms constitute the contractual framework applicable to natural and legal persons who use the Platform to manage revenue information originating from legitimate business activities, integrate compatible monetization platforms, manage payment instructions, and access complementary technological services (hereinafter, the “User” or “Partner”).
The electronic acceptance of these Terms, the creation of an account, or the use of the Services, according to the enabled acceptance mechanism, constitutes an expression of contractual consent.
W Payments is a technology and operational coordination platform. It is not a banking institution, a specialized electronic deposit and payment company (SEDPE), a foreign exchange market intermediary (IMC), a trust company, or an entity authorized to collect deposits from the public.
Underlying financial transactions are executed through payment service providers, financial institutions, settlement networks, and other third parties authorized for their respective activities.
1. Nature and Scope of Services
W Payments provides technological tools and operational coordination services for the creator economy, including models, digital artists, streamers, studios, agencies, freelancers, and other individuals or companies engaged in legitimate business activities.
The Services may include:
a. Integration with compatible monetization platforms.
b. Consolidation and visualization of income from multiple platforms.
c. Management, transmission, and tracking of payment and withdrawal instructions.
d. Coordination of domestic and international disbursements through Third-Party Partners.
e. Visualization of operating balances, activity, deductions, and transactions.
f. Reconciliation and reporting tools.
g. Transfers between users, when enabled.
h. Early settlement services, including Págame Ya, subject to specific terms and conditions.
i. Access to complementary commercial services, including W Payments + TWC, when contracted.
The availability of each feature will depend on the jurisdiction, User profile, integrated platforms, and the operational capabilities of the respective providers.
2. License of Use and Technological Mandate
W Payments grants the User a limited, personal or corporate as applicable, non-exclusive, revocable, and non-transferable license to use the Platform in accordance with these Terms.
By accepting the Agreement, the User grants W Payments a special, limited mandate of a technological and operational nature to manage, transmit, and coordinate, on their behalf and in accordance with their instructions, the requests necessary for the provision of the contracted Services.
Said mandate may include communicating with monetization platforms, transmitting settlement instructions, coordinating disbursements, and applying previously authorized fees, discounts, or adjustments.
The mandate does not constitute, in and of itself, an authorization to carry out financial activities reserved for regulated entities, nor does it confer general powers of fiduciary administration, investment, or discretionary disposal of the User's assets.
When an operation requires additional powers, these must be supported by the corresponding contracts, authorizations, or instruments.
3. Integration with Third-Party Partners
For the provision of the Services, W Payments may integrate technological, financial, and operational infrastructure provided by banks, payment entities, liquidity providers, clearing networks, virtual asset providers, and other domestic or international partners (hereinafter, the “Third-Party Partners”).
The participation of such providers shall be limited to the functions corresponding to their legal nature, operational capacity, and contractual relationship with W Payments or with other entities legitimately involved in the operation.
The use of the Platform does not necessarily imply the existence of a direct contractual relationship between the User and each Third-Party Partner.
Commercial autonomy. W Payments shall retain the administration of its contractual relationship with the User, including onboarding, support, document management, coordination of instructions, and monitoring of transactions, within the scope of the contracted Services.
Compliance. Operations may be subject to anti-money laundering, counter-terrorist financing, anti-fraud, sanctions policies, and other controls applicable to Third-Party Partners.
Information requests. W Payments shall act as an intermediary and coordinator for requests related to operations managed through the Platform, provided this is compatible with the procedures and obligations of the corresponding providers.
Additional requests will be evaluated based on criteria of necessity, relevance, proportionality, and relation to the operations under review, without prejudice to applicable legal, regulatory, and contractual obligations.
Whenever appropriate, W Payments may present contracts, certifications, payment receipts, transactional records, and other equivalent documents to verify the legitimacy and traceability of the operations.
Onboarding with W Payments does not constitute a general and unlimited authorization to access or disclose financial or commercial information unrelated to the legitimate purposes of the service.
Operational continuity. W Payments may add, substitute, or discontinue integrations with Third-Party Partners to enhance the security, efficiency, and continuity of the service.
The Company does not guarantee the acceptance or execution of operations subject to the independent decisions of the corresponding providers.
4. Account Creation, Verification, and Management
To use the Services, the User must create an account and provide identification, contact, economic activity information, and any other data reasonably necessary for onboarding.
Natural persons must prove that of legal age and have the legal capacity to enter into contracts.
Legal entities must identify their authorized representatives and, where applicable, their beneficial owners.
W Payments may implement document verification, biometric verification, enhanced authentication, and identity validation procedures.
The User shall be responsible for keeping their information up to date, safeguarding their credentials, and promptly notifying of any unauthorized access.
Instructions issued through an authenticated account may be deemed authorized, unless there are elements indicating fraud, impersonation, security breaches, or any other circumstance that warrants review.
W Payments may temporarily suspend access when there are reasonable risks to account security.
5. Due Diligence, Source of Funds, and Monitoring
W Payments will apply Know Your Customer/Know Your Business (KYC/KYB) procedures, identity verification, ultimate beneficial owner identification, transactional monitoring, and risk management in accordance with the nature of the Services, the jurisdictions involved, and applicable obligations.
The User must provide truthful and updated information regarding their identity, business activity, platforms of origin, contractual relationships, and transactions performed.
Supporting documentation may include commercial contracts, monetization receipts, settlement statements issued by platforms, invoices, accounting certifications, payment vouchers, and other relevant evidence.
Requests for additional documentation must adhere to criteria of necessity, relevance, and proportionality.
Complete bank statements will not constitute a general requirement for onboarding or ongoing maintenance. Their request will be evaluated individually when a duly identified legal, contractual, or risk justification exists.
Where appropriate, partial statements, certifications, or equivalent documents may be used to verify specific transactions.
W Payments may perform additional verifications when unusual transactions, documentary inconsistencies, or relevant alerts are identified.
An unjustified refusal to provide legitimately requested documentation may result in restrictions, suspension, or termination of the Services, as applicable.
6. Nature of the W Payments Account and Balance Display
The W Payments Account constitutes a technological interface to check and manage information regarding income, transactions, withdrawal requests, and operations linked to the User.
The W Payments Account does not constitute, in and of itself, a bank account, a financial deposit, or a savings product.
The displayed balances represent operational records of the amounts reported, confirmed, or available through the corresponding infrastructure, according to the status of each transaction.
Values may be classified as pending, confirmed, available, reserved, retained, or disbursed.
The actual availability of funds will depend on the receipt, confirmation, and corresponding release by the originating platforms and Partner Third Parties.
The Platform's records do not substitute the contractual rights that correspond to the User against the entities that actually receive, hold, or settle the funds.
7. Multiplatform Monetization
W Payments allows you to integrate income from compatible monetization platforms, subject to their own commercial and operational terms.
The User retains responsibility for their relationships with said platforms, including compliance with their rules, tax obligations, legitimacy of content, ownership of income, and resolution of commercial disputes.
W Payments does not guarantee the continuity of an external platform, its payment schedules, or the acceptance of specific income.
The Company may require evidence that reasonably links the payments received to the commercial activity declared by the User.
Income from different platforms may be viewed in a consolidated manner when technical integrations and operational conditions permit.
8. Withdrawals and Disbursements
The User may request withdrawals of available amounts through the enabled channels and destinations.
Requests will be subject to identity verification, beneficiary validation, availability of funds, and applicable controls.
As an operational reference, disbursements may be executed within an estimated timeframe of up to five (5) business days following the effective release of funds by the origin platform or corresponding provider.
This timeframe does not constitute a settlement guarantee when additional validations, non-business days, financial network restrictions, or third-party contingencies are involved.
First disbursement. W Payments may apply an initial preventive period of five (5) calendar days following the first confirmed transaction, where applicable under current risk policy.
Destination accounts. Withdrawals must be directed to authorized and verified accounts or payment instruments. Payments to third parties will require an enabled feature and the corresponding authorizations and verifications.
The User will be responsible for providing accurate beneficiary and destination details.
Rejected or returned transactions may incur additional costs, which will be duly informed.
9. Transfers between W Payments Users
When this feature is enabled, Users will be able to transmit instructions to transfer available amounts to other verified users within the W Payments ecosystem.
These transactions will be subject to identity controls, fraud prevention, fund availability, transaction limits, and Third-Party Partners' terms and conditions.
Internal transfers may be offered without an additional technology fee when so established by the current fee schedule.
The display of a transfer between users does not necessarily imply that W Payments maintains direct custody of the funds, nor that the transaction constitutes an independent bank transfer.
The reversibility and availability of each transfer will depend on its status, the infrastructure used, and applicable rules.
W Payments may reject or suspend transactions that present inconsistencies or material risks.
10. Pay Me Now and Early Settlement Services
W Payments may offer advance settlement features for confirmed business income under the name Págame Ya or other equivalent brands.
The availability of these features will depend on the User's eligibility, income confirmation, risk assessment, and the terms of the provider that materially finances or executes the transaction.
The advanceable amounts, costs, terms, discounts, and specific conditions must be disclosed and accepted prior to confirming each request.
The use of Págame Ya does not constitute a guarantee of permanent access to advances.
When a transaction legally constitutes a form of financing, assignment of rights, or other regulated arrangement, the legally corresponding contractual instruments and providers will be used.
11. Rates, Discounts, and Contracted Services
W Payments will charge the applicable fees for the Services selected by the User, in accordance with the current and accepted commercial terms.
Fees may include monetization concepts, technology services, operational coordination, currency conversion, withdrawals, and complementary services.
The User authorizes W Payments, within the scope of its mandate and the accepted terms, to transmit instructions to the corresponding providers to apply the discounts and deductions associated with the contracted Services.
Fees may vary depending on the account type, service, volume, jurisdiction, and commercial arrangement.
Any fee modification applicable to future transactions will be communicated through the designated channels, with the legally or contractually required notice.
Taxes, withholdings, and third-party costs will be handled in accordance with the corresponding regulations and terms.
12. Currency Conversion and Exchange Rates
International transactions may require currency conversions carried out through authorized providers.
W Payments may display reference rates, conversion estimates, and approximate settlement amounts.
During market operating windows, displayed rates may be updated periodically through technological query and synchronization mechanisms with the corresponding providers.
When the hourly update methodology is in effect, the Platform may reflect approximate adjustments every hour between 8:00 a.m. and 1:00 p.m., Colombia time, subsequently retaining the last available reference until the next operating cycle.
The final rate will be the one applicable in accordance with the accepted terms and conditions and the actual execution of the transaction.
W Payments does not guarantee a specific exchange rate or permanent equivalence between estimated and final amounts.
Conversion costs or margins must be communicated in accordance with the applicable fee structure.
13. The Webcam Company's Optional Professional Services
W Payments offers monetization and revenue management services independently from the professional services of The Webcam Company (TWC).
The Webcam Company offers specialized consulting, representation, training, brand development, strategic planning, and commercial support services, aimed at creators and studios seeking to develop solid, competitive, and sustainable long-term professional projects.
Contracting these services is completely optional, subject to independent evaluation and acceptance, and does not constitute a requirement to access W Payments services.
Agency fee. For new clients starting November 15, 2026, professional services from The Webcam Company will be subject to a five percent (5%) agency fee, calculated on the revenue established in the respective service agreement. This fee is independent of W Payments' monetization rates, currency conversion, withdrawals, and other applicable fees.
Contractual acceptance. Contracting TWC's services will require express acceptance of the corresponding commercial terms, including the scope of services, the fee calculation basis, payment mechanisms, and termination conditions.
Independence of services. The use of W Payments does not imply the automatic contracting of representation or agency services. Likewise, contracting TWC's professional services does not, in itself, create an employment relationship, subordination, or commercial exclusivity, except for the obligations expressly established in the corresponding agreements.
Existing clients. Clients engaged under prior commercial terms will retain their previously agreed terms, unless they expressly agree to a modification of such terms.
14. W Payments + TWC and Complementary Services
W Payments may offer service modalities that include access to commercial guidance, training, advisory services, professional development tools, and other benefits associated with The Webcam Company (TWC) ecosystem.
Engaging W Payments does not automatically imply contracting representation, agency, or professional coaching services.
The W Payments and W Payments + TWC modalities may have differentiated rates, benefits, and commercial terms.
Additional services provided by other entities within the TWC ecosystem will be subject to their respective agreements, where applicable.
The complementary services relationship does not, in and of itself, establish employment subordination, commercial exclusivity, or representation authority beyond what is expressly agreed upon.
15. Fraud Prevention, Reversals, and Chargebacks
The User will be responsible for the legitimacy of their commercial activities and for the obligations that correspond to them with respect to the source platforms.
Chargebacks, reversals, claims, penalties, or adjustments arising from such relationships may affect the available amounts or generate reimbursement obligations when contractually attributable to the User.
W Payments may coordinate investigations, request supporting documentation, and transmit adjustment instructions to the corresponding providers, within the scope of its powers.
Deductions must have a verifiable contractual, transactional, or legal basis.
The User may submit clarifications and documentation to dispute adjustments, without prejudice to the procedures established by the platforms or providers involved.
16. Preventive Withholdings and Operating Reserves
Certain transactions may be subject to preventive withholdings, operational reserves, or temporary restrictions when there are identified risks of fraud, chargebacks, claims, defaults, or legally enforceable requirements.
These measures must be proportionate to the nature and magnitude of the identified risk, the applicable contractual conditions, and the authority of the entities that materially administer the funds.
Where applicable, preventive reserves may be maintained for up to one hundred twenty (120) calendar days, without prejudice to different timeframes required by networks, suppliers, authorities, or specific contracts.
W Payments will coordinate the information and monitoring of such measures within its operational capacity.
The Platform cannot guarantee the release of funds subject to restrictions legitimately imposed by competent third parties.
17. Prohibited Activities and Acceptable Use
The Services must be used exclusively for legitimate, duly declared business activities that comply with applicable risk policies.
The use of the Platform is prohibited for:
a. Money laundering, terrorist financing, or activities related to funds of illicit origin.
b. Fraud, identity theft, or the use of false documentation.
c. Sexual exploitation of minors, child sexual abuse material, or any other activity that violates fundamental rights.
d. Illegal trade of weapons, prohibited substances, or goods subject to legal restrictions.
e. Financial, foreign exchange, or gambling operations that require unauthorized licenses or permits.
f. Commercial activities substantially different from those declared during onboarding, without the corresponding update.
g. Any other activity prohibited by applicable law or by the terms and conditions of the providers actually used.
The lawful production and commercialization of adult content by consenting adults does not, in itself, constitute a prohibited activity under these Terms, provided that it complies with applicable regulations and the terms and conditions of authorized providers.
W Payments may establish duly communicated additional restrictions when necessary for legal, contractual, or risk-related reasons.
18. User Responsibilities
The User agrees to:
a. Maintain truthful and up-to-date identification and contact information.
b. Comply with the regulations applicable to their economic activity.
c. Obtain the licenses, authorizations, and registrations legally required.
d. Fulfill their tax, labor, and commercial obligations.
e. Protect their credentials and access devices.
f. Use the Platform exclusively for authorized operations.
g. Maintain the supporting documentation reasonably necessary to verify their income and operations.
h. Cooperate with legitimate security, fraud, and compliance investigations.
i. Respect intellectual property and confidentiality rights.
The User shall act independently and assume the responsibilities corresponding to their commercial activity.
19. Confidentiality and Information Protection
W Payments recognizes the confidential nature of personal, corporate, commercial, financial, contractual, and transactional information provided by its Users.
Confidentiality. The Company will adopt reasonable technical, administrative, contractual, and organizational measures to protect information against unauthorized access, use, or disclosure.
Limited purpose. The information will be used for the provision of Services, identity verification, execution of instructions, fraud prevention, risk management, compliance with obligations, and other duly informed legitimate purposes.
Disclosure to third parties. W Payments may share information with Third-Party Allies when necessary to execute operations, verify transactions, or comply with applicable legal, regulatory, or contractual obligations.
Disclosure will be carried out under criteria of necessity, relevance, proportionality, and data minimization.
Financial documentation. Bank statements, financial statements, accounting records, and other financial documents will be treated as confidential information.
Any request, processing, or disclosure thereof must respond to a legitimate purpose and have the corresponding legal or contractual basis.
Where appropriate, W Payments may use alternative documentation, partial statements, certifications, receipts, or transactional records to verify specific operations.
External requests. Upon requests made by Third-Party Allies or competent authorities, W Payments will verify, as applicable, their basis, scope, and purpose.
Whenever legally and operationally possible, it may request clarifications, limit the scope of the request, or present alternative means of verification.
Access and retention. Access to confidential information will be restricted to personnel and providers who need to know it to perform authorized functions.
Records will be retained for the legally or contractually enforceable periods and will subsequently be deleted, anonymized, or securely archived, as appropriate.
Personal data. Its processing will be carried out in accordance with applicable legislation, including Colombia's Law 1581 of 2012 when applicable, and the Personal Data Processing Policy of W Payments.
Confidentiality obligations will survive the termination of the business relationship for the applicable periods.
20. Data Protection and Biometric Verification
W Payments may use biometric verification tools to prevent identity theft and protect accounts.
The processing of biometric data will be subject to the authorizations and guarantees required by applicable law, considering its nature as sensitive data when appropriate.
The User will be informed about the purposes of the verification, the processing conditions, and their corresponding rights.
Refusal to provide biometric data may prevent access to features whose security requires such a mechanism, provided that no suitable and legally enforceable alternative exists.
International data transfers and transmissions will be carried out under the mechanisms and conditions provided by applicable regulations.
21. Suspension, Deactivation, and Termination
W Payments may suspend or restrict access to the Services when there are reasonable grounds related to:
a. Fraud or impersonation.
b. Breach of these Terms.
c. False information or material inconsistencies.
d. Relevant security risks.
e. Requests from competent authorities.
f. Legitimate restrictions from Third-Party Partners.
g. Unjustified failure to comply with due diligence procedures.
The suspension may be immediate when necessary to protect the Platform or comply with applicable obligations.
The User may request the voluntary cancellation of their account, without prejudice to pending obligations, claims, reserves, or legitimately opened procedures.
Accounts inactive for twelve (12) consecutive months may be deactivated upon prior notice where applicable.
Pending amounts will be handled in accordance with the User's rights, provider terms, and applicable law. Inactivity will not, in itself, imply the loss of ownership over legitimately owed funds.
22. Availability, Security, and Support
W Payments will endeavor to maintain the availability and security of its technological services through commercially reasonable measures.
Interruptions may occur due to maintenance, updates, technical incidents, connectivity failures, or external provider contingencies.
The Company will provide support channels to address inquiries, incidents, and claims related to the Platform.
Disputes regarding transactions executed by third parties will be coordinated within the scope of W Payments' authority and capabilities, without attributing to it powers that legally or contractually belong to such providers.
23. Intellectual Property
The trademarks, designs, codes, interfaces, content, algorithms, documentation, and other protected elements of the Platform belong to TWC International LLC or their respective owners, pursuant to applicable intellectual property agreements.
The User receives only the use rights expressly provided for in these Terms.
Unauthorized reproduction, reverse engineering, sublicensing, or commercial exploitation of the protected components is prohibited.
24. Liability and Indemnity
W Payments shall be liable for the obligations that legally and contractually correspond to it in relation to the Services provided.
The Company does not guarantee the absolute continuity of external platforms, banking networks, payment providers, or third-party systems.
To the extent permitted by applicable law, W Payments shall not be liable for indirect losses, lost profits, or damages arising exclusively from actions of third parties outside its reasonable control.
The aggregate contractual liability of W Payments may be limited to twenty percent (20%) of the technology fees actually paid by the User during the twelve (12) months preceding the claimed event, provided that such limitation is valid and enforceable under applicable law.
This limitation shall not exclude liabilities that cannot legally be limited or excluded.
The User shall indemnify W Payments for damages, penalties, or claims directly arising from fraud, misrepresentations, or breaches attributable to the User, to the extent permitted by law.
25. Tax and Exchange Obligations
The User shall be responsible for complying with the tax, accounting, and foreign exchange obligations corresponding to their activity and jurisdiction.
W Payments may provide records, reports, and technological receipts to support the reconciliation of operations.
The Platform does not replace the tax, accounting, or legal advisory services that the User may require.
Conversions and underlying financial transactions shall be subject to the obligations that apply to the providers that materially execute them.
26. Force Majeure
Neither party shall be liable for non-performance directly caused by unforeseeable or irresistible events beyond their reasonable control, pursuant to the terms of applicable law.
These events may include natural disasters, widespread infrastructure outages, government actions, systemic financial network failures, or extraordinary cybersecurity incidents.
The parties shall endeavor to mitigate their effects and resume the performance of their obligations as soon as practicable.
27. Changes to the Terms
W Payments may modify these Terms to reflect legal, technological, operational, or commercial changes.
Modifications will be communicated through the Platform, email, or other authorized channels.
Unless otherwise provided by law or in situations requiring immediate application, substantial modifications will take effect after a notice period of ten (10) calendar days.
Where applicable, new express acceptance will be requested.
Modifications will not retroactively affect acquired rights or transactions already completed, unless there is a valid legal or contractual basis.
28. Governing Law and Dispute Resolution
The contractual relationship is established with TWC International LLC, an entity organized under the laws of the State of Wyoming, United States of America.
For commercial operations conducted in Colombia, mandatory Colombian provisions that may apply shall be observed.
Disputes related to the Services provided to Users domiciled in Colombia may be submitted to the competent courts of Medellín, Antioquia, when a valid jurisdiction agreement exists and applicable law permits it.
For Users domiciled in other jurisdictions, the specific contracting conditions may establish additional rules regarding applicable law and dispute resolution, without prejudice to the corresponding mandatory rules.
29. Final Provisions
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect to the extent permitted by law.
These Terms shall be interpreted together with the Privacy Policy, current rates, and specifically accepted individual agreements.
In the event of any conflict, the specific terms expressly agreed upon for the corresponding service shall prevail, unless mandatory legal provisions dictate otherwise.
Contact Channels
W Payments, Operated by TWC International LLC
Support email: info@wpayments.co
Legal notices: legal@twcinternational.llc