# 6. In-Game Currency and Transactions

**6.1** **Virtual Currency and Items**

- Cosmo Crafter may offer virtual currency (“Credits”) and virtual items (“Items”) that can be purchased with real money or earned through gameplay.
- Credits and Items have no monetary value outside of the game and cannot be exchanged for real currency or assets.

**6.2** **Purchases and Payments**

- By making a purchase, you represent and warrant that you are authorized to use the payment method provided.
- All payments are processed securely through approved third-party payment processors, and the Company does not store your payment information.
- Prices for Credits, Items, or subscriptions may change at any time without prior notice.

**6.3** **No Refunds**

- Purchases of Credits, Items, or subscriptions are generally non-refundable, except as required by applicable laws or outlined in the **Refund Policy**.

**6.4** **Limited License**

- Any Credits or Items purchased or earned are licensed to you for personal, non-commercial use and remain the property of the Company.

**6.5** **Fraudulent Transactions**

- Fraudulent transactions, including chargebacks, will result in account suspension or permanent banning, and legal action may be pursued.

**6.6** **Modification of Virtual Items**

- The Company reserves the right to modify or discontinue Credits, Items, or their functionality at its sole discretion without prior notice.

**6.7** **Trading and Transfers**

- Trading or transferring Credits, Items, or accounts outside of the game’s authorized systems is strictly prohibited.
- Unauthorized trading or transfer attempts may result in account suspension or termination.

**6.8** **Subscription Services**

- Cosmo Crafter may offer subscription-based features or benefits. Subscription fees are charged periodically as stated at the time of purchase and will auto-renew unless canceled.
- You may manage or cancel subscriptions through your account settings or the platform where the subscription was purchased.

**6.9** **Tax and Fees**

- You are responsible for any applicable taxes or fees related to purchases or subscriptions.