Creator Agreement

Scope: This Creator Agreement sets out the additional terms that apply to you when you use Fantra as a content Creator. It is a binding legal agreement between you and Fantra (the platform operator) and supplements the general Fantra Terms of Service and all other policies (Privacy Policy, Acceptable Use Policy, Content Moderation Policy, etc.) that form our overall agreement with users. By becoming a Creator on Fantra, you confirm that you have read and agree to this Agreement in full. If you do not agree, you must not use the Platform as a Creator.

Definitions

For clarity, here are key definitions related to this document.

• Creator means a verified adult user authorised to upload and monetise content on the Service

• Content means prompts, outputs, images, video, audio, text, and related materials on the Service

• Creator Earnings means the share of user payments payable to the Creator after applicable deductions

• Platform Fees means the portion of user payments retained by Fantra

• Payout means a transfer of Creator Earnings to a nominated withdrawal method

• Pending Period means the minimum time before funds become available for payout

• Chargeback means a payment reversal initiated through a payment provider

• Off Platform Transaction means any payment or delivery outside Fantra, which is not permitted

Definitions: For purposes of this Agreement, “Creator” refers to a user who has successfully completed Fantra’s creator onboarding (including identity verification) and is authorised to upload and monetise content on the platform. “Creator Earnings” refers to the revenue share a Creator earns from their content (after Fantra’s fees and any deductions). “Platform Fees” means the portion of user payments retained by Fantra (as a commission or service fee). Other capitalised terms have the meanings given in the Terms of Service or other Fantra policies.

1. Creator Eligibility and Onboarding

1. Age and Identity Verification: Creators must be adults (18+). Before you can monetise content or receive payouts, you must complete our KYC identity verification. This includes providing a valid government-issued ID and may require performing a one-time liveness check (e.g. a selfie video) through our secure provider. We may require periodic re-verification or additional documents to ensure your information remains accurate. If you do not complete or pass verification, you cannot earn or withdraw funds on Fantra.”

2. Account Information: During onboarding, you must provide accurate information including your legal name, date of birth, contact details, and payment/bank details for payouts . You also must supply any required tax information (such as tax ID, country of residence, and forms like W-9 or W-8BEN if applicable). All information must be truthful and kept up-to-date. If your details change (address, banking info, etc.), you are responsible for updating them promptly.

3. Explicit Content Declaration: As part of onboarding, you must declare whether you intend to post sexually explicit content on Fantra . This declaration is for compliance purposes (e.g. to meet payment processor standards) and once made, it may be locked on your profile. If you later wish to change this (e.g. start posting adult content when you initially said you wouldn’t, or vice versa), you may need approval or re-verification. Fantra uses this information to apply appropriate content labeling and moderation.

4. Collaborations and Appearances of Others: If you plan to upload any content featuring another identifiable person, you must follow Fantra’s policies on co-authored content . In practice, this means you must verify that any person appearing in your content is at least 18 and has given documented consent to be featured. You are responsible for obtaining and keeping written consent and age verification records for any co-performers (for example, if you create content using another person’s likeness or voice, even via AI, you need their permission) . Fantra may request these documents at any time. Do NOT share or sell accounts – your Creator account is personal to you. If you are an agency or manager operating an account on behalf of a creator, you must have authorisation from that creator and ensure each individual behind the account undergoes KYC. The Creator (account owner) will be held responsible for any actions taken by anyone with access to their account.

5. Compliance with Policies: By onboarding as a Creator, you agree to comply with all Fantra policies at all times, including the Acceptable Use Policy and Community Guidelines. Violations of any policy (even if outside this Creator Agreement) can result in enforcement actions against your account. Continued compliance is a condition of remaining a Creator in good standing .

2. Creator Earnings and Commission Structure

1. Revenue Share: As a Creator, you earn money from fans (users) who purchase or subscribe to your content (“Paid Services”). Fantra operates on a revenue-sharing model: you receive a percentage of the gross payments from users, and Fantra retains the rest as Platform Fees . By default, you receive 80% of the gross revenue from your content after your first month . As a promotional benefit, for your first 30 days as a new Creator (starting from the date you pass KYC verification), you will receive 85% of gross revenue . After this initial period, the standard payout is 80% to you, 20% to Fantra. Fantra may modify the exact percentage or offer different rates for special programs, but will always inform you in writing or in the Creator dashboard if so . Unless otherwise explicitly agreed with you, the above rates apply.

2. Platform Fees: The portion retained by Fantra (approximately 15–20% as noted) covers the costs of operating the platform, payment processing, hosting, support, and compliance measures . Platform Fees are taken out of user payments before your Creator Earnings are calculated . Any applicable transaction fees (e.g. payment processor fees) or taxes may also be deducted prior to calculating your share. Fantra will provide you a breakdown of earnings vs fees in your account statements.

3. Taxes on Earnings: All Creator Earnings are paid out gross, before taxes, and it is your responsibility to determine and pay any taxes owed on your income from Fantra . Fantra does not withhold income taxes for you (except if required by law in certain jurisdictions). We may be required to charge and deduct VAT/GST on user payments or provide certain tax forms to you (e.g. IRS Form 1099 for US creators, or VAT invoices for EU creators) . You agree to provide any needed tax information and documentation so we can comply with tax laws . If you fail to provide required tax documentation, Fantra may suspend payouts until the issue is resolved. Ultimately, you are responsible for reporting your earnings to your local tax authority and paying any income, VAT, or other taxes due .

3. Payouts and Withdrawals

1. Creator Balance: Funds that you earn on Fantra will accumulate in your Creator Balance (an account ledger visible to you). This balance reflects your Creator Earnings (after fees) that are available for withdrawal . Transactions (subscriptions, tips, etc.) may be pending for a short period before becoming withdrawable.

2. Pending Period: By default, Fantra applies a 7-day pending period to all fan payments . This means when a user pays you (e.g. subscribes or tips), those funds will appear in your balance but cannot be withdrawn for 7 days. The pending period is a fraud-prevention and refund buffer. Fantra may extend the pending period up to 28 days for certain transactions or accounts based on risk factors . For example, new accounts or unusual activity might have a longer pending time. Our internal fraud and risk systems determine this, and it may change over time for your account . You will be able to see if funds are pending and when they will be available.

3. Withdrawal Requests: You may request a payout (withdrawal) of your available Creator Balance at any time, provided you meet the minimum withdrawal threshold for your chosen payout method . Fantra may set a minimum amount (for instance, $50) to avoid excessive micro-withdrawals. If your balance is below the threshold, you’ll need to accumulate more earnings or choose a different method (if available) with a lower minimum.

4. Payout Methods: Fantra supports various payout methods for Creators. These may include direct bank transfer (ACH/SEPA), e-wallets, or other payment processors, and may include cryptocurrency wallets where legally permitted . You can select your preferred payout method in your account settings. Note that different methods may have different fees or minimums, and some methods might only be available in certain countries.

5. Processing Time: Once you request a payout, Fantra aims to process it within 10 business days after the request (assuming the funds have cleared the pending period). We strive to be faster, but please allow for this processing time especially for international transfers. Payouts can occasionally be delayed due to external banking holidays, additional compliance reviews, or technical issues . If we need to review your account (due to a spike in earnings, a compliance concern, etc.), this might also temporarily delay payment. We will notify you if we anticipate a significant delay.

6. Accuracy of Information: It is your responsibility to ensure that the payout information you provide is correct and up to date . This includes bank account numbers, PayPal emails, crypto wallet addresses, or any other details required. Fantra is not liable for payments sent to an incorrect account that you provided. If a payout fails due to incorrect details, the funds will usually return to us and we will notify you to correct the info so we can resend. Any fees charged by the payment processor for failed or returned payments may be deducted from your balance.

7. Unclaimed Funds: If you do not withdraw your earnings for an extended period, Fantra may deem the funds “unclaimed.” In particular, if 12 months pass without you withdrawing funds or without required action (such as providing necessary tax forms or bank info) for us to pay you, we reserve the right to treat those funds as forfeited . We may attempt to contact you before this happens. Even after 12 months, at our discretion we may still honor a withdrawal request (up to a maximum of a further several years, consistent with applicable laws on unclaimed property) . However, to avoid any issues, please withdraw your earnings regularly.

8. Reporting Issues: You must review your payout amounts and report any discrepancies or missing payments within 30 days of the payout or transaction in question . After 30 days, Fantra is not obligated to adjust or reverse transactions. For example, if you believe a fan’s payment was not credited to your account correctly, let us know promptly. We will investigate and correct mistakes if verified, but claims raised months or years later cannot be honored.

4. Refunds, Chargebacks, and Disputes

1. Refunds & Chargebacks: Occasionally, a fan (user) may dispute a transaction – for example, by requesting a refund from Fantra support or filing a chargeback with their credit card company. If a user’s payment to you is refunded or charged-back, Fantra will deduct the corresponding amount from your Creator Balance to cover the refund . In other words, you do not earn money on transactions that end up refunded. If you have already withdrawn the funds, this may result in a negative balance, and we may withhold future earnings to cover it . We may also deduct any fees incurred due to the chargeback (e.g. bank chargeback fees) from your balance.

2. Dispute Fee for High Chargebacks: Fantra monitors the rate of chargebacks and payment disputes on your account. If your account has an excessive dispute rate (we consider over 1.5% of your transactions in a 30-day period to be a high rate), we reserve the right to charge you an administrative fee of $50 USD for each dispute beyond that threshold . This fee is intended to offset the costs we incur from managing disputes and to encourage creators to minimise fraud and dissatisfaction. For example, if you had 10 chargebacks out of 500 transactions in a month (2% rate), we might impose the fee on those chargebacks above the threshold (in this example, perhaps on 2 or 3 of them). We will notify you if such fees are applied. Fantra may waive or refund these fees at its discretion if you work with us in good faith to address the causes of disputes .

3. Avoiding Disputes: Not all chargebacks are fraud – many arise from misunderstandings, unmet expectations, or billing descriptor issues . As a Creator, you are expected to maintain a positive experience for your fans to minimise disputes . This means delivering any paid content as promised, not engaging in misleading advertising, and communicating clearly with subscribers. If we notice a pattern of disputes on your account, we may reach out to help you identify the cause. Persistent high dispute rates can lead to further action (including potential account suspension) to protect the platform’s integrity.

4. Fraud Prevention: Fantra employs fraud monitoring. If we suspect that a payment to you is fraudulent or unauthorised (e.g. use of stolen credit cards), we may place those funds on hold or remove them from your balance pending investigation. If fraud is confirmed, those funds will not be paid out to you. We realise this can be frustrating, but it is necessary to comply with payment regulations and ensure that Fantra isn’t facilitating criminal activity.

5. Off-Platform Transactions

Fantra is designed as an ecosystem where all monetisation happens on-platform. For safety and to comply with our obligations, Creators are not allowed to transact with Fantra users off the platform for Fantra-related content or services . Specifically:

• You must not accept or solicit payments from any Fantra user outside the Fantra platform for the content or services you offer on Fantra . For example, you may not ask a fan to PayPal you money directly in exchange for access to content, nor to use a different website for payments.

• You must not promote external payment links or methods in your Fantra profile or communications . This includes posting your cashapp/PayPal, advertising “cheaper deals” off-site, or suggesting users cancel their Fantra subscription and pay you elsewhere.

• You must not arrange to provide content/services off-platform that circumvent Fantra’s systems . For instance, promising a fan you will send them videos via email if they pay you outside Fantra is a violation.

These rules protect both you and the platform (off-platform deals often lead to scams or lack of recourse). Breach of this clause is taken very seriously – it’s grounds for immediate account suspension and/or termination, and Fantra may withhold any pending payouts in such cases . Keep all financial transactions with fans on Fantra. (This does not prevent you from promoting your Fantra profile on other platforms or performing legitimate business outside of Fantra, but any content you sell to Fantra users should go through Fantra itself.)

6. Referral and Affiliate Commissions

Fantra offers programs that allow Creators to earn additional income by referring new creators or by promoting fellow creators (affiliate marketing). If you choose to participate:

• Referral Program: You may refer new Creators to Fantra using your unique referral link. If a new Creator signs up with your link and becomes an active creator, you can earn a referral commission. Typically, Fantra will pay you a bonus of 5% of that new creator’s earnings for a set period (e.g. the first 36 months of their activity), up to a maximum dollar cap . This commission is paid by Fantra out of its Platform Fees (the referred creator doesn’t lose any earnings) . The exact referral terms (rate, duration, cap) are defined in the Referral & Affiliate Program Terms document, which is incorporated by reference. We encourage you to review that policy for details .

• Affiliate Program: Fantra may also enable creators to promote each other via affiliate links. In such cases, if you promote another creator’s profile and bring paying fans to them, you could earn a percentage of that creator’s earnings from those fans, as a commission. This is an arrangement between creators facilitated by Fantra’s system. Again, see the Referral & Affiliate Program Terms for full details on how affiliate offers work, commission splits, and rules .

• Compliance: Any referral or affiliate commissions you earn will be reflected in your Creator Balance and labeled accordingly (e.g. as “REFERRAL” or “AFFILIATION”) . Note that referral and affiliate earnings are generally not subject to Fantra’s platform fee (they are extra bonuses) . These earnings are still subject to this Agreement (payout schedules, dispute policies, etc.). You are responsible for any taxes on referral/affiliate income just like regular earnings . Abuse of the referral or affiliate system (such as self-referring or colluding to game the commissions) is a violation and can result in losing those bonuses or other penalties, as described in the Referral & Affiliate Terms .

7. Set-Off and Withholding

1. Set-Off Rights: Fantra reserves the right to offset any amounts you owe us against future payouts to you . This means if you incur a liability to Fantra (for example, negative balance from chargebacks, dispute fees, or damages from policy violations), we can deduct those amounts from your pending earnings. Items that may be offset include, but are not limited to: reversed/forfeited earnings from fraud or policy violations, chargeback fees, and any fines or penalties applied under our policies . You will be able to see any such deductions in your account records.

2. Withholding of Payouts: We also reserve the right to withhold payouts (temporarily hold back payment to you) under certain conditions . Specifically, Fantra may do this if we suspect fraud, money laundering, or other illegal activity; if your content is under moderation review for serious violations; or if required by law or court order . For example, if you are being investigated for posting illegal content, we might freese your payouts until the issue is resolved. If law enforcement or a regulator directs us to hold funds or not release them to you, we will comply as required. We will communicate with you when practicable if a hold is placed, but may be limited in detail during active investigations.

8. Modification and Termination

1. Suspension or Termination by Fantra: Fantra may suspend or terminate your Creator account at any time if: (a) you breach this Agreement or any Fantra policy; (b) you engage in fraudulent, illegal, or other conduct that we believe is harmful to the platform or our community; or (c) it is required by law or necessary in our discretion to protect Fantra or its users . In most cases, we will attempt to provide a warning or notice for less severe issues, but serious violations can result in immediate termination.

2. Creator Initiated Termination: You are free to stop being a Creator and may close your Creator account at any time. To do so, please send a request through the Fantra Help Center or support email. Upon closure, you will no longer be able to upload or earn, but you remain responsible for any obligations incurred before termination. For instance, if you owe a balance for chargebacks or if fans are still in their subscription period, we may complete those transactions or refunds as needed. Account closure does not automatically delete your content; however, we will assist with content removal if requested (subject to backup retention as per our policies).

3. Enforcement Consequences: If your account is suspended or terminated for violating our Content Standards or Acceptable Use Policy, Fantra may take additional actions. These can include removal of specific content, forfeiture of some or all of your Creator Balance related to misconduct, and other remedies allowed under our policies . Section 7 of the Acceptable Use Policy and the Content Moderation Policy describe possible penalties (e.g. proportional fines for posting forbidden content) . We emphasise that posting illegal or egregiously prohibited material can lead to not just loss of account but loss of earnings associated with that material . This is to comply with legal requirements and disincentivise harmful content.

4. Appeals: If you believe your account has been wrongfully suspended or terminated, you may submit an appeal or complaint in accordance with our Complaints Policy . Typically, you should do so within 7 days of the action . We will review appeals promptly and reinstate accounts if appropriate. However, filing an appeal does not guarantee reversal of our decision. During the review process, the account generally remains inactive.

9. Other Legal Terms

1. Relationship to Other Terms: This Creator Agreement forms part of your overall contract with Fantra and should be read in conjunction with our general Terms of Service and other applicable policies . If something is not expressly addressed here, the general Terms (and other policies) will govern. For example, issues of indemnification, limitation of liability, and governing law are covered in the main Terms of Service and apply to your creator activities as well .

2. No Waiver: Fantra’s failure to enforce any part of this Agreement in some instances does not waive our right to enforce it later.

3. Severability: If any provision of this Agreement is found to be unlawful or unenforceable, the rest of the Agreement remains in effect and we will modify the offending provision to the minimum extent required for compliance with law.

4. Governing Law and Jurisdiction: The governing law and dispute resolution for this Creator Agreement are the same as those stated in the Fantra Terms of Service (for example, if the Terms say the law of New South Wales, Australia applies, that applies here as well) . You agree to those same jurisdictional terms for any dispute arising from your role as a Creator.

By creating and monetising content on Fantra, you acknowledge and agree to this Creator Agreement. We recommend you keep a copy for your records. If you have questions, please contact Fantra support before proceeding. Remember that the success of the platform and its Creators relies on trust, safety, and compliance with these rules.