Terms for Debit and Chips

Draft, pending legal review. These terms are a working draft and are not yet in force. They describe how Debit and Chips work today and will be replaced by a reviewed version.

1. Who we are and what these terms cover

These terms cover two balances kept for your YunZheng account on YunZheng Credits (credits.yunzheng.space): Debit, a prepaid balance, and Chips, points for games and events. They apply together with the YunZheng LAB Terms of Service; where the two differ on Debit or Chips, these terms apply.

The intended provider is Orbit Ryšiai MB, a small partnership (mažoji bendrija) under the law of the Republic of Lithuania, which offers services under the names YunZheng LAB and Orbit. Its registration is in progress; its registered address and company code will be added here once it is registered. In these terms "we" and "us" mean the provider and "you" means the person who holds the account.

2. Words used in these terms

• Account: your YunZheng account, the one you sign in with.
• Services: the YunZheng LAB and Orbit services that accept Debit as a way to pay, as shown where you pay.
• Debit: the prepaid balance in US dollars described in section 3. Paid Debit is Debit you paid for. Promotional Debit is Debit we give you (campaigns, codes, bonuses).
• Chips: the points described in section 4.
• Statement: the list of every change to a balance, with the balance after it.

3. Debit

3.1 What Debit is. Debit is a prepaid balance in US dollars that you use to pay for the Services. It can only be spent on the Services, within YunZheng LAB and Orbit. It is not a bank account or a deposit, is not electronic money, does not earn interest, and cannot be spent with anyone else.

3.2 No overdraft. You can only spend what you hold. There is no overdraft and no credit line; a payment larger than your balance is declined.

3.3 Adding Debit. You can add Debit by the payment methods shown on the Debit page. Paid Debit appears once we have received and recorded your payment. We may set a minimum or maximum amount for a single top-up and may decline a top-up we cannot verify.

3.4 Paid and promotional Debit. Paid and promotional Debit are recorded separately. When you pay, promotional Debit is used first, starting with the amount that expires soonest, and then paid Debit.

3.5 Expiry. Paid Debit does not expire. Promotional Debit shows its expiry date and ends on that date; an offer may carry other conditions, which are shown with it.

3.6 Refunds. On request, paid Debit you have not spent is refunded to the way you paid, up to the amount of that payment, without undue delay. Promotional Debit is never refunded or paid out. Debit already spent on a Service follows the refund rules of that Service.

3.7 Transfers. Debit cannot be sent to another person or another account.

3.8 Inactive accounts. We do not charge fees on an inactive balance. If your account has not been used for 24 months, we will write to you before taking any step; your unspent paid Debit stays refundable.

3.9 Reversed payments, errors and fraud. If a payment for a top-up is reversed or charged back, we remove the Debit it added; if that Debit has already been spent, we may suspend Debit on the account until the amount is settled. Debit obtained by mistake, by fraud or by misuse of an offer may be held or reversed. Each such change appears on your statement.

3.10 Taxes. Adding Debit is a prepayment. Taxes such as VAT are charged on the Services you pay for, as shown when you pay.

4. Chips

4.1 What Chips are. Chips are points for games and events on YunZheng LAB. Every new account receives 10,000 Chips. Only we issue Chips.

4.2 No monetary value. Chips have no monetary value. They cannot be bought or sold, and cannot be exchanged for Debit, money, goods or anything else of value, in either direction. We do not buy Chips back and do not allow anyone to sell them.

4.3 Transfers. Chips can be sent to another person only through a transfer request to support with the recipient's ID. Staff review each request; Chips move only after approval, and a request may be declined.

4.4 Adjustments. We may correct, adjust or reset Chip balances, for example after an error, a game fault, misuse, or when a game or event ends. Where reasonable, we tell you beforehand.

4.5 Entertainment only. Games on YunZheng LAB are for entertainment. There are no prizes of monetary value, and winning or losing Chips does not win or lose anything of value.

5. Statements and corrections

Every change to your balances is recorded with the balance after it, and you can download your full history at any time. Entries are never edited or removed; if a balance changes in error, we correct it with a new, visible entry. Large corrections are approved by two people. If you think an entry is wrong, contact support.

6. Suspension and closing your account

We may suspend the use of Debit or Chips on an account to protect you or others, for example after suspected fraud, a security problem or a legal requirement. We tell you why, unless the law does not allow it, and lift the suspension once the reason has gone.

You can close your account at any time. Before it is deleted, unspent paid Debit is refunded on request. If we close an account, we refund unspent paid Debit unless the law or a pending fraud check prevents it. Promotional Debit and Chips end with the account.

7. Your right to withdraw (EU consumers)

If you are a consumer in the European Union, you may withdraw from a top-up within 14 days of making it, without giving a reason; we refund the unspent part of that top-up by the way you paid. When you use Debit for a Service that starts at once, you ask us to start it within that period: for digital content supplied at once, you agree that the right to withdraw ends when supply begins; for other services, withdrawing means paying only for what was provided before you withdrew.

8. Liability

Nothing in these terms limits your rights as a consumer or any liability that cannot be limited by law, including for death or personal injury caused by negligence, or for intent or gross negligence. Otherwise, our liability for a problem with Debit is limited to the amount of paid Debit affected. Chips have no monetary value, so a change to a Chip balance does not give a claim for money.

9. Changes to these terms

We may update these terms. For a change that affects you, we tell you at least 30 days before it applies, by email or on this page. If you do not accept it, you can close your account and have unspent paid Debit refunded before the change applies. The date below shows the current version.

10. Law and disputes

These terms are governed by the law of the Republic of Lithuania. If you are a consumer, you also keep the protection of the mandatory rules of the country where you live. Please contact support first; if we cannot resolve a complaint, consumers may refer it to the State Consumer Rights Protection Authority of Lithuania (Valstybinė vartotojų teisių apsaugos tarnyba) or to the consumer body or courts of their country.

11. Your data

How we handle personal data, including balance and payment records, is described in the Privacy Policy. Ledger records are kept for as long as accounting law requires, also after an account is closed.

12. Contact

For questions, refunds, transfer requests or complaints, contact support at helpdesk.yunzheng.space.

Draft of 28 September 2026.