Chatbot: the PIF risk is the answer, not a footnote

Marty: the answer has to cover what a member is risking when they send POL to
somebody they have not spoken to and have no commitment from.

The canned answer now leads the advice with "do not send anything until you have
actually talked to that person and they have told you they will use it", then says
plainly: the transfer is wallet to wallet and irreversible, there is no refund and
no chargeback, support cannot pull it back, the gift is theirs whatever they do with
it, and they are free to go quiet or spend it on something else without breaking any
rule. It names the worst case for what it is, which is that a tank member joined
with nobody working with them and may never have engaged, so an unanswered PIF is
the easiest money on this site to lose.

It gives the arithmetic both ways rather than only the upside: a gift that works
costs about half, because the contract pays the sponsor 50 percent when they buy;
a gift to someone who never answers costs all of it. It ends on never gift money
you need and never borrow to do it.

The same guidance goes into the AI prompt as a standing rule, so PIF is never sold
as a tactic on any phrasing that misses the canned pattern, and a "should I PIF
someone from the tank" question starts with talk to them first, not the mechanics.

qa/chatbot-parse.mjs is now 16 assertions: the 9 response-shape cases plus 7 that
pin each risk line, so a future rewrite cannot quietly drop them.
qa/run.sh member: 0 bugs.

Co-Authored-By: Claude Opus 5 (1M context) <noreply@anthropic.com>

chatbot.js

@@ -42,7 +42,7 @@ const CANNED = [
   // and the honest answer is that the order matters: you cannot PIF someone still in the
   // tank. Canned so it never depends on the AI provider being up (Marty, 2026-09-17).
   { re: /\b(pif|p\.i\.f|pay(ing)? it forward|paid it forward|gift (them|him|her|someone|a member)|send (them|him|her) (some )?pol)\b/i,
-    a: 'PIF is a gift you send from your own wallet, and the site never touches the money. It only appears on your own free referrals and on members you have adopted, and only once they have linked a wallet, so you cannot PIF somebody who is still sitting in the holding tank. The order is: adopt them from Members > My line > Holding tank, get them to link a wallet on their Wallet tab, then the PIF button shows up, you enter an amount and your own wallet app opens with their address already filled in. Whether you should is your call: nothing obliges them to buy anything, and crypto transfers cannot be reversed, so only gift what you are happy to lose. If they do buy a $20 package with it, the contract pays you 50 percent of that purchase as their sponsor and they become one of your qualifying buyers, but there is no guarantee they buy at all, so talk to them first rather than sending POL to somebody who has gone quiet.' },
+    a: 'PIF is a gift you send from your own wallet, and the site never touches the money. It only appears on your own free referrals and on members you have adopted, and only once they have linked a wallet, so you cannot PIF somebody who is still sitting in the holding tank. The order is: adopt them from Members > My line > Holding tank, get them to link a wallet on their Wallet tab, then the PIF button shows up, you enter an amount and your own wallet app opens with their address already filled in. Now the part that matters most: do not send anything until you have actually talked to that person and they have told you they will use it. Once that POL leaves your wallet it is gone, there is no refund, no chargeback and nothing we can do to pull it back, because the money goes straight from your wallet to theirs and never touches us. The gift is theirs to keep whatever they do with it, so they can go quiet, spend it on something else, or never sign in again, and none of that is against any rule. Someone in the holding tank joined with nobody working with them and may never have engaged at all, which makes an unanswered PIF the easiest money on this site to lose. Get a reply, get a clear commitment that they are going to buy and build, see that they have linked a wallet and are actually active, and only then decide. If they do buy a $20 package the contract pays you 50 percent as their sponsor and they become one of your qualifying buyers, so a gift that works costs you about half; a gift to somebody who never answers costs you all of it. Never gift money you need, never borrow to do it, and treat every PIF as money you are content to lose.' },
   { re: /(holding tank|adopt(ing|ion|ed)? (a |an |from|someone|member)|orphan(ed)? member|no sponsor|unsponsored|release to tank)/i,
     a: 'The holding tank is where free members who joined without a sponsor wait, and anyone can be picked up first come. To adopt you need payouts switched on and your own $20 or larger package bought; then open Members > My line > Holding tank. You can hold 2 open adoptions at a time and each one runs for 7 days, and if that person never links a wallet or buys they drop back into the tank. Adopting sets you as their sponsor, opens a chat and emails them, and their first purchase binds to you on the chain. You can also release one of your own free referrals into the tank for somebody else to work with, though not one you adopted less than 3 days ago. A member can be adopted twice in their lifetime at most, so an adoption you drop still costs them one of those chances.' },
   { re: /(qualif|unlock level|level 2|level 3|pass.?up)/i,
@@ -137,7 +137,8 @@ FACTS:
 - LEGACY WELCOME (former Faucet Wave / Tier One Ads members): they join through instantadpay.com/from/faucetwave or instantadpay.com/from/tieroneads and, if their email is on the legacy list, welcome-back credits are added automatically at signup (former advertisers 500, former earners 150; once per person; credits, not POL). They land in the holding tank like any member who joins without a sponsor.
 - PROMO CODES: partner site owners get a reusable code; a member redeems it on a join link (?promo=CODE) or in the Overview box "Have a promo code?" and receives free ad credits (amount set per code by the admin, one use per account; codes can cap uses or expire). Credits, not POL.
 - DORMANT-LEAD RESCUE: a FREE referral (no wallet, no purchase) with no message from their sponsor for 10 days triggers a warning email + dashboard flag to the sponsor ("unreached, tank in N days"); at 14 days (warning at least 4 days old) the lead moves to the holding tank and the sponsor is told. Sponsor resets the clock with a chat, a Nudge, or the "Contacted them" button (for phone/text contact). Leads whose sponsor link resolves to nobody go to the tank after a day. Nothing on-chain moves; anyone bound by a purchase never moves.
-- PIF (pay it forward) button: on a free direct or an adopted member who has linked a wallet, the sponsor taps PIF, enters an amount (suggested: the $20 package plus fees), and their OWN wallet app opens with the member's address prefilled; the POL goes wallet to wallet. The site never touches the funds; it only logs the transaction and tells the recipient with a Polygonscan link. The gift is theirs; nothing forces a purchase.
+- PIF (pay it forward) button: on a free direct or an adopted member who has linked a wallet, the sponsor taps PIF, enters an amount (suggested: the $20 package plus fees), and their OWN wallet app opens with the member's address prefilled; the POL goes wallet to wallet. The site never touches the funds; it only logs the transaction and tells the recipient with a Polygonscan link. The gift is theirs; nothing forces a purchase. You cannot PIF someone still in the holding tank: adopt them first, they link a wallet, then the button appears.
+- PIF RISK (Marty, 2026-09-17, say this EVERY time PIF comes up, never sell PIF as a tactic): tell the member to make contact and get an explicit commitment BEFORE sending anything. The transfer is wallet to wallet and irreversible, there is no refund or chargeback and support cannot claw it back. The recipient may go quiet, spend it on something else or never sign in again, and none of that breaks any rule. A tank member joined with nobody working with them and may never have engaged, so an unanswered PIF is the easiest money on the site to lose. Honest arithmetic: if they buy $20 the sponsor gets 50 percent back so a gift that works costs about half, and a gift to someone who never answers costs all of it. Never gift money they need, never borrow to do it. If a member asks "should I PIF someone from the tank", the answer starts with talk to them first, not with the mechanics.
 - FOUNDING WEEK / PRE-LAUNCH (Training > Founding week checklist, /launch, members only): eight items read live from the account: username, wallet linked, payouts on, level 2 qualified (2 buyers of $20+, or Qualified Start with 2 linked positions), the leader play = level 3 (5 qualifying buyers, up to 5 linked positions; then buy from the main wallet), line banner, links + play chosen (self-marked), first two placed. Reason: unqualified levels pass up, so leaders qualify BEFORE their teams' teams buy. Countdown shows when admin sets launchAt. Never call the site 'pre-launch' publicly: it is live and paying.
 - COUNTRY TARGETING (2026-09-11): New campaign form has "Show to" tier checkboxes (Tier 1 = US, CA, GB, AU, NZ, IE, DE, FR, NL, SE, NO, DK, FI, CH, AT, BE by default; Tier 2 = rest of Western/Central Europe, JP, KR, SG, HK, TW, IL, Gulf, ZA, BR, MX, AR, CL, CO, etc.; Tier 3 = everyone else; lists editable in Admin > Settings geoTier1/geoTier2). Country comes from the viewer's IP (DB-IP lite). Applies to on-site delivery of every format; a narrowed banner/text ad is NOT sent to the partner network (which is worldwide). Unknown country never matches a narrowed campaign. Campaign rows show 'tier 1+2' chips and top viewer countries.
 - SCHEDULING (2026-09-11): any campaign except featured can take an optional start and end time (local time) in the New campaign form; solo ads label it "Send from" (inbox deliveries begin then). A scheduled campaign shows "scheduled" until it starts; at the end it shows "ended" and the unspent budget returns to Available. Banner/text scheduled campaigns join the partner network at their start time. There is NO dayparting (hours-of-day targeting) by design; the daily cap paces budgets. Each campaign row shows a small views-by-hour chart (on-site views, viewer's local time, last 7 days).

qa/chatbot-parse.mjs

@@ -56,7 +56,17 @@ BODY = '';
 const pif = await ask('Should I pif someone from the holding tank');
 t('the PIF question answers with no AI at all', /PIF is a gift/.test(pif), pif.slice(0, 80));
 t('and it says you cannot PIF someone still in the tank', /still sitting in the holding tank/.test(pif));
-t('and it does not promise they will buy', /no guarantee they buy at all/.test(pif));
+// Marty, 2026-09-17: the risk is the answer, not a footnote. Sending POL to someone
+// who has never replied is the easiest money on the site to lose, so every one of
+// these must survive any future edit to the wording.
+t('it says talk to them and get a commitment FIRST', /do not send anything until you have actually talked to that person/i.test(pif));
+t('it says the transfer is irreversible with no refund', /no refund, no chargeback/i.test(pif));
+t('it says support cannot pull it back', /nothing we can do to pull it back/i.test(pif));
+t('it says they may go quiet or spend it elsewhere', /go quiet, spend it on something else, or never sign in again/i.test(pif));
+t('it flags the tank member as the highest risk case', /easiest money on this site to lose/i.test(pif));
+t('it gives the honest arithmetic both ways', /costs you about half/.test(pif) && /costs you all of it/.test(pif));
+t('it says never gift money you need and never borrow', /never gift money you need, never borrow/i.test(pif));
+t('it never sells PIF as a tactic', !/you should (definitely |really )?pif/i.test(pif));
 
 https.request = realRequest;
 srv.close();