Privacy Policy & Terms
CHEAPEST TOKEN
TERMS & CONDITIONS AND PRIVACY POLICY
Effective Date: 02 Nov, 2026
Last Updated: 02 Nov, 2026
Website: https://cheapest-token.com
Support Email: support@cheapest-token.com
These Terms & Conditions and Privacy Policy govern access to and use of the Cheapest Token website, API gateway, account services, prepaid credits, AI models, and related services.
By accessing the website, creating an account, purchasing credits, or using the API, you agree to these Terms & Conditions. Our Privacy Policy explains how we handle personal information and other data associated with your use of the platform.
If you do not agree with these terms, you must not use the services.
PART I — TERMS & CONDITIONS
1. About Cheapest Token
Cheapest Token is an AI API gateway that provides users with access to supported artificial intelligence models through a unified platform.
The platform may allow users to:
- Access AI models offered by third-party providers.
- Make API requests through supported endpoints.
- Manage API keys and account settings.
- Purchase prepaid credits.
- Use available credits to pay for API usage.
- View applicable model pricing and usage information.
- Access promotional offers, discounts, or free credits when eligible.
The available features, supported models, endpoints, and pricing may change over time.
Cheapest Token does not necessarily develop, own, or operate the underlying AI models. Many models accessible through the platform are provided by independent third-party companies or developers.
2. Eligibility and Account Registration
You must have the legal capacity to enter into a binding agreement to use the platform.
If you are using the services on behalf of a business or other organization, you represent that you are authorized to accept these terms on its behalf.
You are responsible for:
- Providing accurate account information.
- Maintaining the confidentiality of your login credentials.
- Protecting your API keys and access tokens.
- Monitoring activity associated with your account.
- Notifying us promptly if you suspect unauthorized access.
- Ensuring that your use of the platform complies with applicable laws.
You must not impersonate another person, provide misleading registration information, or create accounts for fraudulent or abusive purposes.
We may restrict or suspend accounts that appear to be compromised, fraudulent, abusive, or in violation of these terms.
3. API Keys and Account Security
API keys are credentials that authorize requests through the platform.
You must keep your API keys confidential and must not publish them in public repositories, client-side applications, publicly accessible websites, or other locations where unauthorized individuals could obtain them.
You are responsible for API usage and charges associated with your account or API keys, except where the charges result from circumstances for which you are entitled to a remedy under applicable law.
If an API key is exposed or compromised, you should revoke it and generate a replacement as soon as possible.
We may revoke API keys, impose usage limits, or suspend access when reasonably necessary to protect accounts, prevent abuse, enforce these terms, or maintain platform security.
4. AI Models and Third-Party Providers
Cheapest Token provides access to supported AI models operated by third-party providers.
The availability, performance, pricing, capabilities, limitations, and data-handling practices of these models may vary by provider.
By using a particular model, you acknowledge that:
- Your API request must be transmitted to the relevant provider for processing.
- The provider may apply its own terms, acceptable-use rules, technical restrictions, and privacy practices.
- Models may be modified, replaced, restricted, or discontinued.
- Responses may be inaccurate, incomplete, misleading, biased, or unsuitable for your intended purpose.
- We cannot guarantee uninterrupted access to every model.
Where appropriate, users should review the relevant model provider's policies before submitting confidential or sensitive information.
Cheapest Token does not guarantee that every third-party model provider follows the same privacy, security, or data-retention practices.
5. Acceptable Use
You agree to use Cheapest Token lawfully and responsibly.
You must not use the platform to:
- Violate applicable laws, regulations, or third-party rights.
- Commit fraud, facilitate scams, or engage in deceptive activities.
- Gain unauthorized access to systems, accounts, networks, or data.
- Distribute malware or conduct unauthorized security attacks.
- Interfere with the platform's availability, integrity, or security.
- Circumvent usage limits, access controls, billing systems, or account restrictions.
- Abuse promotional credits or create multiple accounts to obtain unauthorized benefits.
- Resell, sublicense, or redistribute access in ways prohibited by the applicable service terms.
- Generate or distribute content that is unlawful or that violates the rights of others.
- Use the services to harass, threaten, exploit, or harm others unlawfully.
- Submit personal, confidential, or sensitive information without an appropriate legal basis or authorization.
- Reverse-engineer, probe, or exploit the platform except to the extent expressly permitted by applicable law.
- Use the services in a manner prohibited by the relevant model provider's applicable policies.
You are responsible for ensuring that your applications and use cases comply with applicable law and relevant provider restrictions.
We may investigate suspected misuse and take reasonable action, including rate limiting, suspending API keys, restricting models, or terminating accounts.
6. Prepaid Credits and Wallet Balance
Cheapest Token uses a prepaid credit system to charge for eligible platform usage.
Users may purchase credits through the payment methods made available to them. Credits can then be consumed by API requests according to the applicable model pricing and billing rules.
Your available balance may be reduced as usage is recorded and charges are calculated.
6.1 Credits Are for Platform Use
Credits represent prepaid access to services offered through Cheapest Token. They are not intended to be a bank deposit, savings account, investment, cryptocurrency, or general-purpose payment instrument.
Credits have no cash value outside the platform except where applicable law requires otherwise.
6.2 Non-Withdrawable Credits
Credits cannot be withdrawn as cash, transferred to another account, or exchanged for cash at the user's request, except where required by applicable law or expressly approved by Cheapest Token.
6.3 Non-Refundable Credits
Our intended policy is that credit purchases are final and non-refundable.
However, this policy does not exclude or override any refund, cancellation, chargeback, or other remedy that cannot lawfully be excluded under applicable law.
If you believe that you have been charged incorrectly, charged more than once, or charged for a technical billing error, contact our support team with your transaction details.
We may investigate and correct verified billing errors.
6.4 Account Closure and Unused Credits
If you close your account, unused credits will generally remain non-withdrawable and non-refundable, subject to applicable law.
If Cheapest Token permanently discontinues the service, we will address remaining credits in accordance with applicable legal obligations and any applicable closure arrangements communicated to users.
6.5 Credit Expiry
Any expiry conditions applicable to purchased or promotional credits will be disclosed when relevant.
Purchased and promotional credits may be subject to different conditions where clearly communicated and legally permitted.
7. Pricing and Usage Charges
Each model may have its own pricing structure.
Depending on the model and service, charges may be calculated using factors such as:
- Input tokens.
- Output tokens.
- Cached or other specially priced tokens.
- Images, audio, video, or other supported inputs and outputs.
- Requests, processing units, or other provider-defined billing metrics.
- Additional charges expressly disclosed on the platform.
The pricing displayed for the selected model and applicable billing unit will govern usage charges, subject to any clearly disclosed conditions.
You are responsible for reviewing the applicable pricing before making API requests.
7.1 Pricing Changes
We may change model prices, introduce new pricing tiers, remove discounts, or modify billing methods.
Where reasonably practicable, updated pricing will be displayed on the platform before it applies to new usage.
Unless expressly stated otherwise, a price change will not retroactively alter correctly calculated charges for usage completed before the change took effect.
7.2 Usage Calculations
We use usage measurements and relevant billing information to calculate charges and update account balances.
Provider-reported usage and platform calculations may be subject to technical differences, rounding, corrections, or delays.
If you believe a charge is incorrect, contact support with the relevant request identifiers, timestamps, model names, and billing details. Do not send passwords, secret API keys, or sensitive personal information in your support request.
7.3 Currency and Conversion
The currency displayed for a transaction or model price will depend on the applicable pricing configuration and payment method.
If a payment is processed in a currency different from your bank account's currency, your payment provider or financial institution may apply exchange rates, conversion fees, or other charges.
Any such fees imposed independently by your bank or payment provider are generally outside our control.
8. Payments and Payment Processors
Cheapest Token may support payment processing through third-party providers, including PayPal.
The available payment methods may vary depending on the user's location, currency, transaction type, and payment-provider requirements.
By making a payment, you acknowledge that:
- Payment transactions may be subject to the payment provider's terms and policies.
- The provider may perform verification, fraud prevention, or transaction monitoring.
- Your bank or payment provider may impose additional fees.
- Payments may be declined, delayed, reversed, or held by the payment provider.
- We may receive transaction information necessary to confirm payments and credit your account.
Cheapest Token does not control independent payment-provider systems or decisions.
We may delay the allocation of credits until payment confirmation is received.
We will not intentionally treat a failed or unconfirmed payment as a completed purchase.
9. Promotional Offers and Free Credits
Cheapest Token may offer discounts, promotional prices, bonus credits, or free credits to selected or eligible users.
Promotions are discretionary and may vary by model, account, location, campaign, or period.
Unless the applicable offer states otherwise:
- Promotions are not guaranteed to be available to every user.
- Discounts may apply only to selected models or services.
- Free credits may be subject to usage limits, eligibility criteria, expiry dates, or other conditions.
- Promotions may be changed, suspended, or discontinued, subject to applicable law and any binding conditions of the offer.
- Promotional credits may not be withdrawable or refundable.
- Fraudulent use of promotions may result in their cancellation and account restrictions.
Where an offer includes specific terms, those terms apply to that offer in addition to this agreement.
We will not intentionally misrepresent the availability or value of a promotion.
10. Service Availability and Changes
We aim to provide reliable access to the platform but do not guarantee that the services will always be available, uninterrupted, error-free, or compatible with every application.
Access may be affected by:
- Maintenance and upgrades.
- Network or infrastructure failures.
- Third-party provider outages.
- Payment-processing problems.
- Security incidents.
- Provider model changes or restrictions.
- Legal or regulatory requirements.
- Circumstances beyond our reasonable control.
We may modify, suspend, or discontinue features, models, endpoints, or other parts of the platform.
Where reasonably practicable, we will communicate material planned changes through the website or another appropriate channel.
11. Intellectual Property
The Cheapest Token website, branding, interface, software, documentation, and other platform materials are owned by or licensed to the platform operator, unless otherwise indicated.
You may use the platform in accordance with these terms. You do not acquire ownership of our branding, website, software, or proprietary materials merely by using the services.
Third-party AI models, names, logos, software, and documentation may be owned by their respective rights holders and remain subject to their applicable terms.
Important: Cheapest Token is currently operating as a project/platform name and has not yet been registered as a company. References to “Cheapest Token,” “we,” “us,” or “our” refer to the operator of the platform identified above and do not imply that Cheapest Token is an incorporated legal entity.
11.1 User Inputs and AI Outputs
As between you and Cheapest Token, we do not claim ownership of your prompts or AI-generated outputs solely because you use our gateway.
Your rights in prompts and outputs may depend on applicable law and the terms of the underlying AI provider.
You are responsible for ensuring that your inputs and your use, publication, or distribution of outputs do not infringe intellectual-property rights, violate applicable law, or breach third-party agreements.
We do not guarantee that AI-generated output is original, exclusive, protectable, or free from third-party rights.
12. AI Output and User Responsibility
AI systems can make mistakes.
Outputs may contain inaccurate facts, fabricated references, outdated information, biased statements, insecure code, or other defects.
You are responsible for independently evaluating outputs before relying on them.
Do not rely exclusively on AI-generated content for medical, legal, financial, safety-critical, employment, or other high-impact decisions without appropriate professional review and independent verification.
You are responsible for the applications you build, the requests you submit, and how you use or distribute the resulting outputs.
13. Privacy and Data Handling
Our data-handling practices are described in Part II of this document, the Privacy Policy.
By using Cheapest Token, you acknowledge that API requests must be transmitted to the selected AI provider to generate responses.
We do not intend to retain prompts or model-generated responses as part of routine platform storage. However, requests must be processed in transit, and the technical operation of the service may involve temporary processing by servers and infrastructure providers.
The actual data collected, logged, retained, or transmitted must be consistent with the Privacy Policy and our technical implementation.
14. Suspension and Termination
You may stop using the platform at any time.
We may restrict, suspend, or terminate access where reasonably necessary if:
- You materially breach these terms.
- Your account is associated with fraud, abuse, or unlawful activity.
- Your account or API keys pose a security risk.
- Payment obligations remain unresolved.
- A third-party provider requires access to be restricted.
- We are legally required to take action.
- Continued operation would pose a material operational or security risk.
Where reasonably practicable and legally permitted, we may provide notice and an opportunity to resolve the issue.
Termination does not eliminate obligations or liabilities that arose before termination.
The treatment of unused credits following termination is governed by Section 6 and applicable law.
15. Disclaimers
To the maximum extent permitted by applicable law, the platform is provided on an “as available” basis.
We do not guarantee that:
- Every model will always be available.
- Every API request will succeed.
- Every response will be accurate or suitable.
- The platform will be free from all errors or interruptions.
- Third-party providers will maintain unchanged pricing, functionality, or policies.
- Outputs will meet your specific business or technical requirements.
Nothing in these terms excludes a guarantee, right, or remedy that cannot lawfully be excluded.
16. Limitation of Liability
To the maximum extent permitted by applicable law, Cheapest Token will not be liable for indirect, incidental, special, exemplary, or consequential losses arising from the use of the platform, including loss of profits, revenue, business opportunities, data, or goodwill.
We are not responsible for the independent acts, omissions, availability, or data-handling practices of third-party model providers or payment processors, except to the extent liability cannot lawfully be excluded.
Nothing in these terms excludes or limits liability for fraud, wilful misconduct, or any other liability that cannot legally be excluded or limited.
Any additional limitation of liability, including a financial cap, must be applied only to the extent permitted by applicable law.
17. Indemnification
To the extent permitted by applicable law, you are responsible for claims and losses arising from your unlawful use of the platform, your material breach of these terms, or your infringement of third-party rights.
Nothing in this section makes you responsible for losses to the extent they result from our own conduct or from circumstances for which applicable law does not permit responsibility to be transferred to you.
18. Changes to These Terms
We may update these terms as the platform, its features, its payment arrangements, or applicable legal requirements change.
The latest version will be published on the website with an updated “Last Updated” date.
Material changes will be communicated through an appropriate method where required by applicable law.
Your continued use of the platform after updated terms take effect constitutes acceptance only to the extent permitted by applicable law. Where affirmative consent is legally required, we will seek it.
19. Governing Law and Disputes
These terms are intended to be governed by the laws of India, subject to any mandatory legal protections that apply to users in their country or region.
Disputes should first be raised with our support team so that the parties have an opportunity to resolve them informally.
If a dispute cannot be resolved informally, it may be brought before a court or other competent forum with jurisdiction under applicable law.
The final version of this section should identify the appropriate jurisdiction after the platform's operator and business location have been confirmed.
Nothing in this section deprives consumers of mandatory rights or remedies available under applicable law.
20. General Provisions
If a provision of these terms is found unenforceable, the remaining provisions will continue to apply to the extent permitted by law.
Our failure to enforce a provision immediately does not necessarily constitute a waiver of that provision.
You may not transfer your rights or obligations under these terms in a way that is prohibited by law or these terms.
We may transfer the operation of the platform as part of a lawful restructuring or transfer of the relevant business, subject to applicable legal requirements.
These terms, together with applicable offer terms and the Privacy Policy, describe the agreement governing your use of Cheapest Token.
PART II — PRIVACY POLICY
22. Introduction
This Privacy Policy explains how Cheapest Token collects, uses, processes, discloses, and protects information associated with the use of its website, accounts, API gateway, payment services, and related features.
We aim to collect and process only the information reasonably necessary to operate the platform, provide access to AI models, calculate charges, process payments, maintain security, and comply with applicable law.
This policy should be read together with Part I of this document.
23. Information We May Collect
The information processed by Cheapest Token depends on how you use the platform and the features you access.
23.1 Account Information
We may collect information such as:
- Email address.
- Username or account identifier.
- Authentication and account-security information.
- Account preferences and settings.
- Information you voluntarily provide when contacting support.
We use this information to create and manage accounts, authenticate users, provide support, and protect the platform.
23.2 Usage and Billing Information
To calculate API usage charges and maintain account balances, we may process information such as:
- Account or customer identifier.
- Model identifier.
- Token counts or other usage measurements.
- Request timestamps.
- Applicable model pricing.
- Charge amounts and credit-balance changes.
- Transaction references and payment status.
- Technical information required to diagnose billing errors.
We aim to limit usage records to information necessary for billing, account administration, security, troubleshooting, and legal compliance.
We do not intend to retain prompts or model-generated responses as part of routine platform storage. We may, however, temporarily process request data while routing requests to the selected AI provider.
We will not claim that no prompt or response data is ever logged anywhere unless this has been verified across our servers, proxy, hosting, monitoring, error-reporting, and other infrastructure.
23.3 Payment Information
Payments may be processed through third-party payment providers, including PayPal.
Depending on the payment integration, we may receive information such as:
- Transaction identifiers.
- Payment status.
- Amount and currency.
- Payment timestamps.
- Limited payer or billing details.
- Information necessary to investigate payment disputes.
Payment providers may independently collect and process payment details, verification information, and fraud-prevention data.
We do not claim to receive or store full payment-card details unless our actual payment implementation does so.
23.4 Technical and Security Information
Depending on the technical configuration of the service, we may process limited technical information needed to operate and secure the platform.
This may include IP addresses, request metadata, authentication events, rate-limit events, error information, and other security-related records.
The final published policy should accurately reflect the information actually collected by the live platform, including any hosting, monitoring, analytics, or security tools.
24. How We Use Information
We may process information for the following purposes:
- Creating and managing user accounts.
- Authenticating users and protecting API keys.
- Routing API requests to the selected AI provider.
- Measuring usage and calculating charges.
- Updating prepaid credit balances.
- Processing and confirming payments.
- Responding to customer questions and support requests.
- Detecting fraud, abuse, and unauthorized access.
- Troubleshooting technical and billing issues.
- Maintaining platform reliability and security.
- Meeting applicable legal, accounting, and regulatory obligations.
- Enforcing our Terms & Conditions and applicable provider restrictions.
We do not intend to use prompts or model responses for advertising or to build a content profile of users.
Any additional use of personal information must have an appropriate legal basis and be reflected in this policy where required.
25. How API Requests Are Processed
Cheapest Token acts as a gateway between the user and the selected AI model provider.
The general request flow is:
- You submit an API request through Cheapest Token.
- Our service processes the request and routes it to the selected model provider.
- The provider processes the request and generates a response.
- The response is returned through the gateway to your application.
- Usage measurements are used to calculate the applicable charge and update your credit balance.
We do not intend to retain the content of prompts or responses in routine platform storage.
However, request content must be processed to deliver the service. It may also be subject to temporary processing by infrastructure components or the selected AI provider.
We cannot promise that no third party processes request content, because the underlying model provider must process the request to generate a response.
Users should avoid submitting passwords, payment-card details, confidential business information, or sensitive personal information unless they have assessed whether the selected provider and use case are appropriate.
26. Third-Party AI Providers
Cheapest Token may provide access to AI models operated by independent third-party providers.
When you use a model, relevant request data is transmitted to the provider operating that model.
The provider may process information according to its own privacy policy, service terms, retention practices, and applicable legal obligations.
Different providers may have different rules concerning:
- Request and response retention.
- Use of submitted information.
- Abuse monitoring and safety systems.
- Security and fraud prevention.
- Data processing locations.
- International data transfers.
- Account and service restrictions.
Cheapest Token does not control every aspect of an independent provider's data-handling practices.
Before using a model, you should review the relevant provider's policies, particularly if your requests contain confidential, regulated, or sensitive information.
We will not represent that all providers offer the same privacy guarantees unless those guarantees have been verified for the relevant services.
27. Sharing and Disclosure of Information
We do not sell users' prompts or model-generated responses.
We may transmit or disclose information in the following circumstances:
27.1 AI Model Providers
Request information must be transmitted to the selected provider to fulfil your API request.
27.2 Payment Providers
Transaction and payment-related information may be shared with PayPal or another payment provider used to process or verify a transaction.
27.3 Infrastructure and Technical Service Providers
If our service relies on hosting, networking, monitoring, security, or other technical providers, information may be processed by those providers as necessary to operate the platform.
The actual providers, data flows, and retention arrangements must be reflected in our operational privacy practices.
27.4 Legal Requirements
We may disclose information where reasonably necessary to comply with a valid legal obligation, lawful request, court order, or other applicable legal requirement.
27.5 Security and Fraud Prevention
We may use or disclose relevant information where reasonably necessary to investigate suspected fraud, unauthorized access, security incidents, or abuse of the platform, subject to applicable law.
We do not sell personal information as a business model.
28. Data Retention
We aim to retain information only for as long as reasonably necessary for the purposes described in this policy or as required by applicable law.
Different categories of information may have different retention periods.
For example:
- Account information may be retained while an account remains active and for an appropriate period afterward.
- Usage and billing records may be retained as necessary for billing, dispute resolution, accounting, security, and legal compliance.
- Payment transaction records may be retained as necessary to reconcile payments and meet applicable legal requirements.
- Support communications may be retained for an appropriate period to resolve issues and maintain relevant records.
We do not intend to routinely store prompts or model responses.
However, the actual retention period for any information depends on our infrastructure, the technical services we use, the selected AI provider's practices, and applicable legal requirements.
Where we rely on technical providers, their own retention arrangements may also affect how information is processed.
29. International Data Transfers
Cheapest Token is intended to serve users internationally.
Depending on your location and the AI model or payment service you use, information may be processed in countries other than your own.
Different countries may have different data-protection laws.
Where applicable law imposes requirements on international transfers of personal information, we will take the measures required by that law.
Users should review the privacy policies of the relevant AI model and payment providers to understand their international data-processing arrangements.
30. Cookies and Similar Technologies
The website may use cookies, local storage, or similar technologies where necessary for functions such as:
- Maintaining login sessions.
- Remembering user preferences.
- Supporting account security.
- Maintaining website functionality.
- Measuring website performance, if analytics tools are implemented.
The actual technologies used depend on the website's implementation.
Where legally required, we will provide appropriate information and obtain consent for non-essential cookies or similar technologies.
You can manage cookies through your browser settings, although disabling certain cookies may affect website functionality.
31. Data Security
We aim to implement reasonable technical and organizational measures to protect account information, billing records, and other information processed by the platform.
Depending on the implementation, these measures may include access controls, API-key protection, secure communications, restricted administrative access, and monitoring for suspicious activity.
No system can be guaranteed to be completely secure.
Users are responsible for protecting their credentials and keeping API keys confidential.
If we identify a security incident affecting personal information, we will respond in accordance with applicable legal obligations.
We will not claim that specific security controls or certifications exist unless they have actually been implemented or obtained.
32. Your Privacy Rights
Depending on your location and the laws applicable to your information, you may have rights concerning your personal information.
These may include rights to:
- Request access to certain personal information.
- Request correction of inaccurate information.
- Request deletion of information where legally available.
- Withdraw consent where processing relies on consent.
- Object to or restrict certain processing where applicable.
- Raise a complaint with a competent data-protection authority.
- Exercise other rights available under applicable law.
These rights may be subject to legal exceptions, recordkeeping obligations, security requirements, and other applicable restrictions.
To submit a privacy request, contact us using the details in Section 38.
We may need to verify your identity before acting on a request.
33. Children's Privacy
Cheapest Token is not intended for children who are not legally permitted to enter into a binding agreement or use the services under applicable law.
If you are not legally eligible to use the platform, you must not create an account or use paid services.
If we become aware that we have collected personal information in circumstances where collection is prohibited by applicable law, we will take appropriate steps to address the situation.
34. Third-Party Websites and Services
The platform may link to or integrate with third-party websites and services, including AI model providers and payment processors.
Those services may have independent privacy policies, terms, and security practices.
Cheapest Token is not responsible for the content or privacy practices of independent third-party websites, except to the extent responsibility cannot lawfully be excluded.
You should review the relevant third party's terms and privacy policy before using its services.
35. Changes to This Privacy Policy
We may update this Privacy Policy when our services, technical systems, data practices, or legal obligations change.
The latest version will be published on the website with an updated “Last Updated” date.
If a material change requires notice or consent under applicable law, we will take the required steps.
Your continued use of the platform does not override any consent requirement imposed by applicable law.
36. Applicable Law and Privacy Complaints
Privacy matters will be handled in accordance with the data-protection and privacy laws applicable to the relevant processing.
Users may contact us first to raise questions or complaints about their personal information.
Nothing in this policy removes any right you may have to complain to a competent authority or seek a remedy under applicable law.
37. Relationship Between the Terms and Privacy Policy
Part I governs access to and use of Cheapest Token.
Part II explains how information is processed in connection with the platform.
If a provision of this document conflicts with a mandatory legal requirement, the mandatory legal requirement will prevail to the extent of the conflict.
Where applicable law requires separate consent, additional notices, or a separate data-processing agreement, this document does not replace those requirements.
38. Contact Us
For questions about these Terms & Conditions, the Privacy Policy, payments, account access, or privacy requests, contact:
Platform Name: CheapestToken
Website: https://cheapest-token.com
Support Email: support@cheapest-token.com
Please do not include passwords, secret API keys, payment-card details, or unnecessary sensitive personal information in support requests.
End of Terms & Conditions and Privacy Policy