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Last updated October 27, 2026
These terms govern your use of Pocket Pay, an app by Joshwillhoft Productions.
Pocket Pay is in pilot mode. Balances, yields, mining rewards and loans are simulated records. Nothing in the app is a bank account, a deposit, an investment, or a promise of payment.
Pocket Pay is not a bank or a licensed money transmitter. No real funds are held by the app. Real banking features require a licensed partner and will be introduced under separate terms.
Keep your login secure, give accurate information, and use one account per person. You are responsible for activity under your account.
Do not use Pocket Pay to defraud anyone, to impersonate another person, to interfere with the app, or to attempt to access another member’s records.
Loan decisions in pilot mode are simulated and create no debt, obligation, or credit reporting. The One Loop score is an in-app indicator only.
Pocket Pay — the app, its name, its Nugget (NUG) design, the One Loop score, its code, screens, writing and branding — is owned by Joshua Lee Willhoft, founder of Joshwillhoft Productions. All rights are reserved by the owner. Published material is attributed CC BY 4.0 to Joshua Lee Willhoft / Joshwillhoft Productions, which requires credit and does not transfer ownership to anyone.
Licensed financial partners join under a franchise model: they pay a one-time partner fee, operate under our brand and rules, and keep a small percentage of the revenue their own branch earns (15% by default). A partner licence is not equity, not a share of the company, and not ownership of any part of Pocket Pay. Joshwillhoft Productions keeps all intellectual property, the brand, the member base and the product roadmap, and partners may not rebrand, resell, sublicense or white-label the app. Partner terms apply only in a signed written agreement — see the Partner & franchise program page.
Diamond Premium is a real one-time charge of $900 processed by Base44 Payments; your card statement shows that charge, and the tier unlocks only after the payment provider confirms it. Because it is a digital product delivered immediately, purchases are generally final — but if a charge is duplicated, unauthorised or you were charged in error, request a refund through the app’s payments dashboard within 30 days and we will review it against the provider’s records. Nothing else in the app charges you: balances, mining and loans are simulated app records with no cash value and nothing to refund.
Pocket Pay is a software product, not a bank, trust company, money transmitter, lender or broker, and it holds no customer funds. No banking partner is engaged yet, so no real deposits, card spending, credit reporting or payouts occur. When a licensed partner is engaged, their disclosures and terms will be presented before any real deposit, card or loan product is used, and those products will be offered only where that partner is licensed to offer them. Identity documents you upload are used only to review your account.
These terms are governed by the laws of the United States and of the state where Joshwillhoft Productions is established, without regard to conflict-of-law rules. If any part of these terms is unenforceable, the rest stays in effect.
These terms may be updated as the app develops. Continued use after an update means you accept the current version.
A Joshwillhoft Productions app
Created by Joshua Lee Willhoft — founder & creator
Licensed CC BY 4.0 · Joshua Lee Willhoft