Terms of Use

Version 2026-10-21 · Last updated: 29 October 2026

These Terms of Use ("Terms") are an agreement between you and Zinsta ("Zinsta", "we", "us"), the publisher of the Zinsta Android and iPhone apps, zinsta.app and the website zinsta.org. By creating an account, using the app or the web, or accepting these Terms, you agree to them, to our Privacy Policy, our Safety and Community Rules and our Copyright and Takedown Policy and our Payments and Refund Policy. Creators also agree to the Creator Terms. If you do not agree, do not use Zinsta.

1. Who can use Zinsta

• You must be 18 or older. We may ask you to prove it and close accounts that are under 18.
• You must give true information, keep your password safe and tell us about any unauthorised use of your account. You are responsible for everything done through your account.
• Creators must pass identity verification and use their own real identity (see the Creator Terms). One person, one account.
• You may not use Zinsta if you are barred by law from doing so.

2. What Zinsta is, and what it is not

• An online platform. Zinsta provides software and services that let adults chat, talk and share photos, videos, audio and messages with each other. Creators are independent people, not employees, agents or partners of Zinsta. Zinsta is not a party to the conversations between users and does not control what they say or do.
• User content is the user's. Photos, reels, sounds, captions, comments, profiles and messages ("User Content") are created by users, not by Zinsta. We do not choose, edit, approve or endorse User Content, and opinions expressed by users are theirs alone, not Zinsta's. We use automatic checks and a moderation team to enforce our rules, but we cannot review everything and do not promise that all rule-breaking content will be found or removed immediately.
• Public figures and brands. Zinsta is not connected to, and is not endorsed by, any celebrity, singer, actor, politician, sports person, record label, studio, brand or other public figure or company. Names, voices, images, songs and trademarks belong to their owners; a user mentioning or showing them does not mean they are involved with Zinsta or agree with what the user says.
• Online only. Messages, calls and lives take place inside Zinsta (the Android or iPhone app, or zinsta.app). Zinsta does not organise, allow or take responsibility for meetings in person or contact outside the app. Never share your address, ID, bank or card details, and never meet or send money to someone you met on Zinsta.
• No professional advice. What creators say is their own view and is not medical, legal, financial, religious or other professional advice.
• Emergencies. Zinsta is not an emergency service. If someone is in danger call the police (15) or Rescue (1122) first, then report to us in the app so we can help the authorities.

3. Z Coins, wallet, gifts, cash-out and payments

This section explains in plain words how money and coins work on Zinsta. The full refund rules are in our Payments and Refund Policy, which is part of these Terms. Creating an account, watching the feed, posting and messaging friends is free. Coins are optional.

3.1 What Z Coins are

• Z Coins are a virtual in-app item used inside Zinsta to send gifts to creators and to join features that use coins. They are not money, not a bank deposit, not an investment, not a security and not a cryptocurrency. They earn no interest and you cannot hold them as savings. Zinsta is not a bank or a wallet provider licensed by the State Bank of Pakistan.
• Coins are personal to your account. You cannot sell, lend, swap, give away or transfer them to another account except by sending a gift inside the app. Anyone who offers to sell you Zinsta coins outside the app is breaking these Terms and is probably a scammer (see 3.8).
• Coins have no value outside Zinsta except where this section says received coins can be cashed out.

3.2 Buying coins

• On Android, coins are bought only inside the Zinsta app, through Google Play. The price in Pakistani rupees and the number of coins are shown on the buy screen before you pay. What you see on that screen, including taxes Google shows, is the full price. Zinsta adds no hidden charges.
• Your payment is taken by Google Play (or another payment provider shown in the app) under its own terms. We never see or store your card, bank or wallet details.
• Some packs include bonus coins, and your first purchase may include a one-time first-purchase bonus. The pack screen shows how many. Bonus coins are a promotion: they are given for use inside Zinsta, have no cash value, and are not refundable on their own. Packs and bonuses may change at any time; a change never affects a purchase you have already completed.
• Coins reach your balance when Google confirms the payment. If the app is closed or the network drops, coins are added the next time you open it. If you were charged and coins did not arrive within 24 hours, contact us (section 3.9).

3.3 Sending gifts

• When you send a gift, the coins leave your balance at once and are given to the creator. A gift cannot be taken back, cancelled or exchanged once sent. Please check the creator and the gift before you send it.
• Gifts are voluntary and are a way to say thanks. They do not buy a service, a meeting, a message, a promise or a right of any kind, and they are not an investment or a loan. A creator who promises you money, favours or "returns" in exchange for gifts is breaking our rules; report them.
• The creator receives a share of the coins you send; the rest is kept by Zinsta to run the service, pay store and payment fees and for safety. The share is set by Zinsta, is shown in the app, and is currently 60%. We may change it for future gifts; a change never applies to gifts already sent.

3.4 Received coins and cash-out

• Coins you receive as gifts are kept in a separate balance from coins you bought. Only received coins can be cashed out; coins you bought, and bonus coins, cannot be turned back into money.
• Received coins stay on hold for a short time (currently 7 days) so we can check for fraud, refunds and mistakes. After the hold they become available for cash-out. The app shows your held coins and the date they are released.
• Cash-out rate and limits (current): 1 coin = Rs 1, minimum cash-out 1,000 coins, and a service fee of 5% on the amount you cash out. The app shows the exact amount you will get before you confirm. We may change the rate, fee, minimum and hold period; the current values in the app always apply, and changes apply only to future cash-outs.
• To be paid you need a verified identity (see the Creator Terms) and a payout account (bank account) that is in your own name. We do not pay to accounts that belong to someone else. You are responsible for entering your payout details correctly.
• Cash-outs are normally sent within a few working days. Banks and wallets may add delays we do not control. If a payout fails, the amount is returned to your balance in the app.
• Taxes. You are responsible for any income tax or other tax on what you earn. We may withhold or report amounts where the law requires it.

3.5 Your Zinsta wallet

The Zinsta wallet shows rupee credit from rewards, invites, creator earnings and cash-outs. Credit from watch rewards and invites is promotional and can be withdrawn only where the app says so. Amounts the app shows as withdrawable can be sent to your verified payout account, minimum amounts and methods shown in the app.

3.6 Refunds, chargebacks and reversals

• Our refund rules, including when we do and do not refund, are in the Payments and Refund Policy. In short: unused coins you paid for may be refunded in the cases listed there; coins already sent as gifts, bonus coins and completed cash-outs are final.
• If a purchase is refunded, cancelled or charged back by Google, your bank or card provider, the coins from that purchase are taken back. If you have already spent them, your balance can go negative and we may withhold your earnings, block gifts, cash-outs and purchases, or suspend your account until the amount is settled.
• Getting a refund or chargeback by giving false information, or after using the coins, is fraud (see 3.7).

3.7 Fraud and abuse

Do not use stolen or borrowed cards or accounts, buy coins and then dispute the payment, send gifts to yourself or to accounts you control to move value around, run gift exchanges with friends to cash out, use fake or duplicate accounts, bots or scripts, or pay or ask for payment outside the app. If we find or reasonably suspect this, we may reverse the coins and gifts involved, cancel or withhold cash-outs, close the accounts, keep the evidence and report it to the payment provider, FIA or other authorities. Balances of accounts closed for fraud are not refunded. We watch for unusual activity automatically and may ask you to verify before a purchase or cash-out.

3.8 Protect yourself from scams

• Zinsta will never ask for your password, your one-time code (OTP), your card or bank PIN, or your payout login, by message, call, WhatsApp, email or in a live. Anyone who does is a scammer. Never share a code, even if the person says they work for Zinsta.
• Zinsta staff do not send direct messages asking for money, coins, gifts or "verification fees", and we do not run lotteries, "double your coins" offers or investment schemes. A creator or friend asking for gifts as a way to "win", "unlock" or "get back" money is a scam.
• Buy coins only in the app. We do not sell coins through agents, shops, Telegram, WhatsApp, Facebook, Instagram or any website. Coins bought from anyone else are not ours, may be cancelled, and cannot be refunded by us.
• Our only official contact is zinsta.org@gmail.com and our websites zinsta.org and zinsta.app. If a payment problem is real, the fix is always inside the app or through that email.
• Do not send money, coins or gifts to anyone you do not know in real life, and never meet someone you met on Zinsta alone. Zinsta cannot recover money you send outside the app.
• Found something suspicious? Use Report in the app or email us. We review reports about payment and scam risks first.

3.9 Payment problems and how to reach us

If you were charged and did not get your coins, were charged twice, did not authorise a purchase, or a cash-out looks wrong, email zinsta.org@gmail.com from the address on your account, with your Zinsta username, the date, the amount and the Google Play order number (it starts with GPA. and is in the Google receipt email). We reply within 7 days and tell you what we found and what we will do.

3.10 Earn Z contest

• Earn Z is an optional contest for reels. Entries are ranked by votes and prizes go to the top ranks as listed in the app for each round. Joining and voting are free where the app says so, and no purchase is needed to win.
• Rules for each round, the prizes, the cut-off times and how winners are chosen are shown in the app. We may change or stop the contest or its prizes for future rounds.
• Fake votes, fake accounts, vote swaps, bought votes, copied or reposted reels, and any attempt to cheat lead to disqualification, loss of prizes and possible suspension. Our decision on results is final, subject to the appeal route in section 7.
• Prizes are credited to the winner's account as the app states (for example Z Coins received or wallet credit) and follow the same hold, fraud checks, identity verification and payout rules as above. Prizes cannot be exchanged for something else.

3.11 Changes

Prices, packs, bonuses, the creator share, fees, minimums, hold period and cash-out rate can change. The app always shows the current values before you pay or cash out. When a change is important we tell you in the app. Using the app after a change means you accept it for future transactions.

4. Earning on Zinsta

• Creator Rewards: each calendar month (Pakistan time) Zinsta may set aside a pool for approved, ID-verified creators who meet the follower and view requirements shown in the app. They share the pool by reward points: one point per qualified view, with extra points when viewers watch to the end or engage. The pool size, requirements and limits may change; the app always shows the current ones. Payments are made early in the following month to the creator's withdrawable balance. Amounts shown during the month are estimates.
• Qualified views: a view counts once per person when they actually watch (a few seconds or more). Views from the creator's own devices, new, flagged or fake accounts, and repeated views from the same person beyond a monthly limit do not count.
• Watch rewards: fans with a verified phone may earn small amounts of Zinsta wallet credit for real watching, up to a daily limit and while the monthly budget lasts. Wallet credit cannot be withdrawn or exchanged for cash except as the app allows for rewards.
• Invites: when someone joins with your invite code, you may receive wallet credit. Invites between accounts on the same device do not count, and monthly limits apply.
• Fair play: we may withhold, reverse or remove rewards and suspend accounts involved in fake views, fake accounts, self-invites or any attempt to game rewards. Rewards are promotional and may be changed or ended with notice; earned and paid amounts are not taken back except in cases of abuse.

5. Your content, your promises and the licence you give us

• You keep ownership of the content you post. You give Zinsta a non-exclusive, worldwide, royalty-free licence to host, store, copy, process (for example to check, compress and mix it), display and distribute it inside Zinsta and in previews of links to it, for as long as it is on Zinsta and for a reasonable time afterwards for backups and legal reasons.
• Original audio. The sound track of a reel you post can be offered as an "Original audio" that other creators may put under their own reels, with your name shown as its source. If you delete the reel, the sound is no longer offered; reels already made with it keep their audio.
• You promise that for everything you post or send: (a) you own it or have all the rights, licences and permissions needed, including for music, video clips, photos, logos and text; (b) it does not infringe anyone's copyright, trademark, privacy, publicity or other rights; (c) every person who can be recognised in it has agreed to it and is an adult; (d) it is not false, defamatory or misleading and does not pretend to come from, or be endorsed by, someone else; and (e) it follows the law and these Terms. By accepting these Terms, and again each time you post, you confirm this. It is a legal statement, and we keep a record of the version you accepted, when and from where, and the time of every post.
• Music and film clips. Do not post songs, film or TV clips, or other protected material unless you have the right to. "Giving credit" or "no copyright intended" is not permission.
• Zinsta may remove or restrict any content, and keep copies as evidence, if we think it breaks these Terms or the law, or after a valid notice (see section 7).

6. Rules

See also our Safety and Community Rules. Child sexual abuse and exploitation is strictly prohibited and reported to the authorities. You must not use Zinsta to:

• post or share nudity, sexual content or sexual services, or content that sexualises anyone;
• impersonate any person, including a celebrity or other public figure, or pretend to be, represent or be endorsed by them; use someone else's name, photos, voice or identity as your own; or create fake, parody or "fan" accounts that could be mistaken for the real person. Content made with AI or editing that shows or imitates a real person's face or voice without their permission is not allowed;
• post copyrighted or trademarked material you have no right to use, or help others to do so;
• harass, bully, threaten, or promote hatred or violence against anyone; promote self-harm, dangerous challenges or terrorism; or share graphic violence;
• share other people's private information or private images (including phone numbers, addresses, ID numbers and intimate images), or say false things about a real person that could damage their reputation;
• spread scams, fake offers, illegal goods or services, or content that breaks Pakistani law or that of the place where you are;
• share phone numbers, emails or social handles to move payments or private paid work off Zinsta, or ask for payment outside the app;
• cheat payments, gifts, rewards, contests or withdrawals, sell or buy coins or accounts outside the app, create fake accounts or views, scrape or copy Zinsta, or interfere with how it works.

Breaking these rules can lead to removal of content, warnings, restrictions, withheld earnings, suspension or a permanent ban, and we may report illegal conduct to the authorities.

7. Reports, notices and takedowns

• Report in the app (three-dot menu on a post, profile or message: Report) or use the forms on zinsta.org/legal-notice. Rights holders can send a copyright or other legal notice as explained in our Copyright and Takedown Policy.
• When we receive a valid notice we act promptly: we review it, remove or disable the content where it is warranted, tell the user who posted it, and record the result. Users can respond with a counter-notice and, where we find a mistake, we restore the content.
• Repeat infringers: accounts that repeatedly post infringing or rule-breaking content have uploads paused and are then permanently closed.
• Government, court and law-enforcement requests are handled as described on zinsta.org/legal-requests. We may preserve and share information where the law requires it or to protect people from serious harm.
• If you think we made a mistake you can appeal by emailing zinsta.org@gmail.com; a different team member reviews appeals.

8. Privacy

How we collect and use data is explained in the Privacy Policy. We may disclose information when the law requires it or to protect people from harm.

9. Disclaimers

Zinsta is provided "as is" and "as available". To the extent the law allows, we do not promise that it will be uninterrupted or error-free, that content or users are accurate, safe, lawful or suitable, or that you will earn any amount. We are not responsible for what users say or do, in the app or elsewhere, or for any decision you make or harm you suffer because of another user's content, advice or conduct, including conduct after you leave the app or meet someone outside it. Links and services of other companies (payment gateways, calling and storage providers, social apps) are theirs and have their own terms.

10. Limits on our liability

To the extent the law allows: (a) Zinsta, its owners and team are not liable for indirect, incidental, special or consequential losses, loss of profit, data or reputation, or for harm that results from User Content or from the acts of other users; and (b) our total liability to you for any claim related to Zinsta is limited to the greater of the fees you paid to Zinsta in the 3 months before the claim and PKR 5,000. Nothing in these Terms limits liability that cannot be limited by law, including for fraud, or any rights you have under Pakistani consumer law.

11. If your content or conduct causes a claim

You will compensate Zinsta, its owners and team for losses, claims, damages and reasonable legal costs that arise from your User Content, your breach of these Terms or the law, or your infringement of another person's rights, to the extent the law allows.

12. Suspension, ending your account and deleting data

You can delete your account at any time (how). We may suspend or close accounts, remove content or withhold payouts where there is a breach of these Terms, fraud, legal risk or a legal order, and we tell you why where we are able to. Sections that by their nature should continue (content licence for backups, promises, disclaimers, liability, indemnity, governing law) continue after your account ends.

13. Changes to these Terms

We may update these Terms. For important changes the app asks you to review and accept the new version before you continue; the version you accepted and the time are recorded. If you do not accept, you can stop using Zinsta and delete your account.

14. Governing law and disputes

These Terms are governed by the laws of Pakistan. Please contact us first at zinsta.org@gmail.com so we can try to solve the problem. If we cannot, the competent courts of Pakistan have jurisdiction, without taking away any right you have under mandatory consumer law.

15. General

If part of these Terms is not enforceable the rest still applies. Not enforcing a right is not giving it up. You may not transfer your account; we may transfer Zinsta to a successor. These Terms are the whole agreement between you and Zinsta about the service. The English version is the official one. We may give notices in the app, by email or on this site.

16. Contact and legal notices

Support and legal notices: zinsta.org@gmail.com. Copyright and other legal notices: zinsta.org/legal-notice. Government and court requests: zinsta.org/legal-requests.