OpenAI

Effective: Noofeembar 12, 2026

Shuruudaha ChatGPT Wallet

Shuruudahan ChatGPT Wallet (“Shuruudaha Wallet”) waxay khuseeyaan marka aad isticmaasho ChatGPT, Wallet waxaadna oggolaanaysaa inay ku waajibaan. Fadlan si taxaddar leh u akhri. Waxay kaabayaan Shuruudaha Isticmaalka ee OpenAI Shuruudaha Isticmaalka iyo Shuruudaha Adeegga (si wadajir ah, “Heshiiska”). Haddii Shuruudahan Wallet ka ay ka hor yimaadaan Heshiiska, Shuruudahan Wallet ka ayaa xukumi doona oo keliya isticmaalkaaga Wallet ka. Haddii aadan oggolaanin Shuruudaha Wallet, ka saar kaararkaaga lacag-bixinta ChatGPT Wallet. Shuruudahan ChatGPT Wallet waxay ka sarreeyaan Shuruudaha kale ama kuwii hore ee ChatGPT Wallet ee laga yaabo inay ka muuqdaan aaladdaada, websaydyada kombiyuutarka ama meel kale.

1. Wallet overview

ChatGPT Wallet lets eligible users save an eligible payment card and direct ChatGPT to use a payment credential linked to that card to facilitate the user’s purchase from a merchant.

ChatGPT Wallet does not create a bank account or stored balance, extend credit, transfer funds, or change your relationship with your card issuer. You must review and approve each purchase before it is submitted or grant ChatGPT the authority to approve each purchase in advance.

2. Shuruudaha

Si aad u isticmaasho ChatGPT Wallet, waa inaad:

  • ugu yaraan 18 jir tahay oo aad sharci ahaan awood u leedahay inaad gasho heshiis;

  • ku dhaqan tahay Maraykanka, isla markaana haysataa cinwaan/aderees biil-bixineed oo Maraykan ah oo loogu talagalay kaarkaada amaahda, oo aad ku isticmaasho ChatGPT Wallet gudaha Maraykanka;

  • haysataa koonto OpenAI oo u-qalanta oo xaalad wanaagsan ku jirta; 

  • u hoggaansanto Xeerarkayaga Isticmaalka⁠; iyo

  • isticmaal kaar aad leedahay ama aad sharci ahaan u oggolaatay inaad isticmaasho oo ay soo saartay hay'ad maaliyadeed oo ku taal Mareykanka. Haddii uu yahay kaar ganacsi, ururkaagu waa inuu kuu oggolaadaa inaad kaarkaaga ganacsiga ku darto galkeena si aad wax ugu iibsato.

Annaga, soo-saaaraha kaarkaaga, shabakadda lacag-bixinta, ama bixiyeyaashayada adeegga lacag-bixinta ayaa go’aamin kara in kaar uusan u qalmin. ChatGPT Wallet waxaa laga yaabaa inaan laga heli karin qalab kasta, koonto kasta, ganacsade kasta, ama meel kasta oo lacag-bixin laga sameeyo.

3. Ku darista kaar

Marka aad ku darto kaadh, waxaad u oggolaanaysaa OpenAI iyo bixiyeyaasha adeegyadeeda inay ururiyaan, xaqiijiyaan, yaryaree token-ka, oo si ammaan ah u kaydiyaan macluumaadka loo baahan yahay si kaadhka looga dhigo mid laga heli karo ChatGPT Wallet, ujeeddaduna tahay in wax laga iibsado ganacsade. Bixiyaha kaarkaaga ama bixiyaha adeegga lacag-bixinta ee aan isticmaalno ayaa laga yaabaa inuu kaarka ku saaro oggolaansho xaqiijin ku-meel-gaar ah; tani ma aha iib la dhammaystiray, waxaana laga noqon doonaa marka aan xaqiijino kaarkaaga.

Isticmaal oo keliya foomka kaarka ee sugan. Ha ku dhejin lambarka kaadhkaaga, koodhka amniga ama koodhadhka xaqiijinta wada-hadalka ChatGPT. Adiga ayaa mas'uul ka ah in macluumaadka kaarkaaga iyo macluumaadka biilashaadu ay ahaadaan kuwo sax ah oo cusboonaysiisan.

Waxaad ka saari kartaa kaarka setinka ChatGPT Wallet. Ka saarista kaarka ma baajiso iibsi hore loo gudbiyay ama waajibaad kasta oo aad ku leedahay ganacsade ama soo saaraha kaarka.

4. Approving a purchase

ChatGPT may help you find a product, prepare an order, or fill out a merchant’s checkout. Before the order is submitted, ChatGPT Wallet will show you the certain purchase details available to it, such as:

  • the merchant;

  • the items or services and quantity;

  • the total price or maximum price, including known taxes, fees, and shipping;

  • the card to be used;

  • whether the purchase creates a recurring charge, deposit, or authorization hold.

Review those details carefully. AI systems can make mistakes. Do not approve a purchase unless the details are correct and you want the merchant to receive the order.

What your approval means. When you select “Approve” (or use another confirmation method we show), you direct and authorize OpenAI to request or use a payment credential linked to the selected card and to submit the approved order and the information needed to complete it to the merchant and its service providers on your behalf. Your approval is limited to the merchant, items or services, amount, card, recipient, delivery details, and other terms shown to you. Submitting an approved order does not guarantee it will be accepted by the merchant. 

If a material detail changes before submission, ChatGPT Wallet will ask you to approve the updated purchase. We may also require additional verification for security or risk reasons. We may keep a record of the purchase details, the confirmation screen, and your approval.

5. Sida lacag-bixinta loo gudbiyo

Kadib marka aad ansixiso wax iibsi, OpenAI waxay weydiisan kartaa bixiyaha adeegga lacag-bixinta, shabakadda kaadhka, ama soo-saaraha inuu abuuro ama bixiyo aqoonsi lacag-bixin oo token loo sameeyay, dalwad ah, ama nooc kale ah oo ku xiran kaadhkaaga. OpenAI waxay sababi kartaa in aqoonsigaas iyo dalabka, macluumaadka xiriirka, biil-bixinta, raridda, iyo macluumaadka kale ee loo baahan yahay si loo dhammaystiro iibka loo gudbiyo ganacsadaha iyo bixiyeyaashiisa lacag-bixinta.

Aqoonsiga lacag-bixinta ee loo adeegsaday in lagu sameeyo iibsashada waxa uu ka duwanaan karaa lambarka ku daabacan kaarkaaga jireed; hase yeeshee, kharashka iibsashada waxaa lagu dallaci doonaa koontada kaarkaaga jireed. Bixiyaha kaarkaaga ayaa go'aamiya inuu oggolaado macaamilka iyo in kale, ganacsaduhuna wuxuu go'aamiyaa inuu aqbalo oo fuliyo dalabka iyo in kale. OpenAI ma dammaanad qaadayso in kaadh, aqoonsi lacag-bixin, ganacsade, ama macaamil la aqbali doono.

6. Ganacsaduhu waa iibiyaha

Ganacsaduhu waa iibiyaha iyo ganacsadaha diiwaanka ku qoran. Iibsigaagu waa macaamil dhex mara adiga iyo Ganacsadaha, wuxuuna ku xiran yahay shuruudaha, qiimayaasha, xeerka gaar ahaanshaha, xeerarka rarista, siyaasadda soo-celinta, dammaanadaha, iyo shuruudaha kale ee Ganacsadaha.

OpenAI ma aha bangi, bixiye kaar, shabakad lacag-bixin, amaah-bixiye, ama ganacsade marka la eego iibsiyadaada ChatGPT Wallet. OpenAI ma hayso lacagaha iibsigaaga. Haddii aynaan si cad si kale ugu sheegin adeeg gaar ah, OpenAI ma maamusho, mas’uulna kama aha alaabada ama adeegyada ganacsadaha, kaydka alaabada, sharraxaadaha, qiimeynta, keenista, badbaadada, sharciyadda, lacag-celinta, ama taageerada macaamiisha.

Ka soo muuqashada ganacsade ee ChatGPT macnaheedu ma aha in OpenAI ay taageerto ganacsadaha ama badeecooyinkiisa.

7. Kharashyada, lacag-celinta, iyo murannada

Heshiiskaaga kaar-hayaha iyo xeerarka soo-saaraha kaarkaaga iyo shabakadda lacag-bixinta weli way ku khuseeyaan, oo ay ku jiraan wixii dulsaar ah, khidmadaha, abaalmarinnada, beddelka lacagta, iyo xuquuqaha la xiriira murannada iyo macaamillada aan la oggolayn.

Wixii ku saabsan dhibaato dalab, baajin, celin, lacag-celin, ama muran badeecadeed, la xiriir ganacsadaha. Haddii ay jirto lacag kaarka laga jaray, khalad biil-bixin, ama macaamil aan la oggolayn, si degdeg ah ula xiriir bixiyaha kaarkaaga. OpenAI waxay bixin kartaa diiwaannada ChatGPT Wallet ama kaalmo kale oo macquul ah, balse ma go’aamiso mana maalgeliso lacag-celinnada ganacsadaha ama dib-u-celinnada lacagta kaarka, ilaa sharcigu waajib ka dhigo ama OpenAI si gaar ah ballan kale u qaaddo.

Wax ku jira Shuruudahan Wallet-ka ma xaddidayaan xuquuq kasta oo aan laga tanaasuli karin oo aad ku leedahay sharciga khuseeya ama heshiiskaaga kaadh-haystaha.

OPENAI MA QAADANAYSO WAX MAS'UULIYAD AH OO LA XIRIIRA IIBSIYADA, LACAG-BIXINTA, WAREEJINTA LACAGAHA, DALABAADKA, FULINTA DALABAADKA, MACLUUMAADKA RASIIDKA, GELITAANKA, XAQIIJINTA AQOONSIGA, MACAAMILADA, ISTICMAALKA AMA MAARAYNTA XOGTA ISTICMAALAHA EE DHINAC SADDEXAAD, AMA HAWL KALE OO LAGU SAMEEYO ISTICMAALKA CHATGPT WALLET, WAXAADNA OGGOLAANAYSAA INAAD KALIYA U NOQOTO HESHIISYADA AAD LA YEELAN KARTO BIXIYAHA KAARKAAGA, SHABAKADDA LACAG-BIXINTA, HAY'ADDA MAALIYADEED, GANACSADAHA, HORUMARIYAHA ABKA, HAY'ADDA DAWLADDA EE BIXISA, AMA DHINAC SADDEXAAD OO KALE OO KHUSEEYA SI LOO XALLIYO WIXII SU'AALO AH AMA MURANNO AH EE LA XIRIIRA KAARARKAAGA LA TAAGEERO IYO HAWLAHA KU QOTOMA.

8. Amniga iyo isticmaalka aan la oggolayn

Ilaali amniga koontadaada OpenAI, qalabkaaga, furayaasha gelitaanka, erayadaada sirta ah, iyo hababkaaga xaqiijinta. Ha u oggolaan qof kale inuu isticmaalo ChatGPT Wallet aad leedahay ama ansixiyo iibsi, ilaa loo oggolaaday inuu ku matalo.

Waxa laga yaabaa inaan u baahanno furaha gelitaanka (passkey), xaqiijinta aaladda, hubin bayoometrik ama koodh sir ah, ama hab kale oo xaqiijin ah ka hor inta aan kaar lagu darin ama iibsi la gudbin. Haddii aaladdaadu gudaha ku samayso hubinta bayometriga, OpenAI ma hesho sawirka faraha ama sawirka wajiga ee asalka ah.

Si degdeg ah ugu wargeli OpenAI haddii aad aaminsan tahay in koontadaada ama ChatGPT Wallet la waxyeelleeyay. Sidoo kale la xiriir cidda kaarkaaga bixisay haddii kaarku lumo ama la xado, ama haddii aad aragto lacag-bixin aan la oggolayn. Waxa laga yaabaa inaan hakino ChatGPT Wallet ama aqoonsi gelitaan inta aanu baarayno, waxaadna oggolaatay inaad bixiso macluumaad si macquul ah loo codsaday oo ku saabsan khiyaano ama si xun u isticmaalid laga shakisan yahay.

9. Limits, prohibited use, and suspension

You may use ChatGPT Wallet only for lawful purchases and in compliance with the Agreement. You may not use ChatGPT Wallet for fraud, money laundering, cash-equivalent transactions, illegal goods or services, sanctions evasion, or any attempt to bypass a merchant, issuer, network, or OpenAI restriction.

We may set transaction, merchant, category, card, account, device, or geographic limits. We may decline to facilitate, delay, or block a transaction, or suspend or end ChatGPT Wallet access, when reasonably necessary to protect users or third parties, prevent fraud or abuse, comply with law or network rules, address technical problems, or enforce the Agreement. When reasonable, we will tell you what happened.

10. Ka saarista kaararka; joojinta Wallet

Waxaad ka saari kartaa kaadh ama joojin kartaa isticmaalka ChatGPT Wallet wakhti kasta. OpenAI waxay joojin kartaa ChatGPT Wallet ama ka saari kartaa kaadh ama aqoonsi, sida kor lagu sharaxay. Joojinta ChatGPT Wallet ma burinayso dalab uu ganacsade hore u aqbalay, mana celinayso kharash la oggolaaday, mana joojinayso waajibaadyada ku xusan heshiiska aad la leedahay ganacsade ama soo-saaraha.

Annaga iyo bixiyeyaashayada adeeggu waxa laga yaabaa inaan hayno macluumaad gaar ah oo ku saabsan ChatGPT Wallet ka dib marka aad ka saarto kaar ama xidho ChatGPT Wallet, marka loo baahdo in lagu dhammaystiro dhaqdhaqaaq lacageed/macaamilis, lagu xalliyo khilaaf, looga hortago khiyaano, loogu hoggaansamo sharciga, ama lagu dhaqan-geliyo Heshiiska, sida lagu sharaxay Ogeysiiska Asturnaanta ee ChatGPT Wallet.

11. Privacy

The OpenAI Privacy Policy⁠ and the ChatGPT Wallet Privacy Notice⁠ explain how OpenAI and its service providers collect, use, retain, and disclose information when you use the ChatGPT Wallet. Merchants, issuers, card networks, and their service providers process information under their own terms and privacy notices.

12. Changes and general terms

We can update ChatGPT Wallet and these Wallet Terms. We will provide notice as required by law. Your continued use after the updated terms take effect means you accept them.

The Agreement’s provisions about suspension, termination, disclaimers, limits of liability, indemnity, dispute resolution, arbitration, governing law, and general terms apply to the ChatGPT Wallet. If applicable law does not allow a limitation, it applies only to the extent permitted.