Terms of Service

These Terms govern your use of DutchBud, the virtual ledger and budget tools at bank.dutchie.org. DutchBud is part of the 3DN family with IWISH and PolitiCap. By creating an account or using the service, you agree to these Terms.

1. What DutchBud is

DutchBud provides accounts, budgets, and balances for a closed-loop virtual unit of account used across 3DN services. It also supports personal budgeting features. It is not a licensed bank, not a deposit-taking institution, and not a cash-out wallet for fiat.

2. Virtual credits only (no cash-out)

• DutchBud credits are not legal tender.
• Credits have no guaranteed real-world cash value.
• We do not redeem credits for fiat currency, bank transfers, or crypto.
• You cannot treat DutchBud balances as a store of withdrawable money from us.

3. How credits are obtained (proof of sweat)

For the 3DN economy, credits are primarily obtained by proof of sweat: earning through real work and participation on IWISH, plus any promotional or system grants we publish. We may refuse or reverse mints that look fraudulent or abusive.

4. IWISH real currency is peer-to-peer — not to us

On IWISH, participants may choose to settle a job in real currency between themselves (for example via payment QR codes) or in DutchBud virtual credits. When real currency is used:

• Payments go only between users (buyer ↔ seller / relevant parties).
• The platform operator does not receive those peer-to-peer payments.
• Showing a QR or payment status in the app does not make us a party to the transfer.

See the IWISH Terms of Service.

5. PolitiCap

DutchBud credits may be used on PolitiCap, a civic participation and market simulation. PolitiCap does not accept real-money deposits for trading and does not cash out credits. Default participant role is Investor; further roles may require trust and skills. See PolitiCap Terms.

6. Not gambling

DutchBud and linked PolitiCap use are designed around earned virtual credits and participation — not online gambling, sports betting, or a house-banked casino. You agree not to use or market these services as real-money wagering.

7. Accounts and acceptable use

• Keep credentials secure; provide accurate registration details.
• No fraud, multi-accounting for abuse, or selling accounts/credits for real money off-platform.
• No attempts to break security or scrape in a harmful way.

8. No warranties; limitation of liability

The service is provided “as is.” To the fullest extent permitted by law, we are not liable for lost virtual balances, budgeting mistakes, peer-to-peer payment disputes between IWISH users, or indirect damages arising from use of the service.

9. Changes

We may update these Terms. Material changes are reflected by the effective date on this page. Continued use after changes means you accept the updated Terms.

10. Contact

Questions: channels published on 3dn.nl.

© 2026 3DN / DutchBud. These Terms are participation rules, not legal advice.