You can spend real money on TikTok Coins and have no legal right to a refund, even if the platform changes, a creator account is banned, or you close your account — creating direct financial risk for users who purchase coins.
TikTok's Terms grant the platform a permanent, irrevocable, royalty-free license to use all content you post — including videos, messages, and AI prompts — to train machine learning models and develop new technologies, meaning you cannot revoke this right even if you delete your account or content. Users are also bound by a mandatory arbitration clause with a class action waiver, which means you cannot sue TikTok as part of a group if you believe your rights have been violated. You can delete your account and content via the in-app settings, but note that content already incorporated into other users' posts will remain publicly accessible.