Earnings & Payouts Policy

This Earnings & Payouts Policy outlines how Fantra pays Creators for their content and services, including the platform’s commission, payout procedures, and related fees. This Policy forms part of the Creator’s agreement with Fantra and supplements both the Creator Agreement and the general Terms of Service. All defined terms used here have the same meanings as in those documents unless otherwise noted. By using Fantra as a Creator, you agree to these terms. If you do not agree, do not provide paid content or services on Fantra.

Definitions

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

• Creator Earnings means the share of revenue credited to a Creator after Platform Fees and adjustments

• Platform Fees means the portion retained by Fantra from gross user payments

• Payout means a withdrawal of available Creator Earnings to a chosen method

• Pending Period means the clearing time before funds become available for withdrawal

• Minimum Withdrawal means the lowest amount that can be withdrawn for a given method

• Payout Method means bank transfer, digital wallet, or other supported channel

• Dispute Fee means an administrative fee that may apply when dispute rates are excessive

• Negative Balance means a balance below zero that may be set off against future earnings

1. Creator Earnings Structure

1. Qualifying Earnings: Creators earn revenue from all qualifying transactions on the platform. This includes subscription payments, one-time pay-per-view (PPV) content sales, fan tips, paid messages, content bundles, and any other paid service Fantra enables. Essentially, if a fan pays money through Fantra to access your content or interaction, that is considered a Paid Service that generates Creator Earnings for you.

2. Standard Revenue Split: By default, Creators receive 80% of the gross amount paid by fans for their Paid Services, and Fantra retains 20% as Platform Fees. Fantra may run promotions or special programs where your share is adjusted (for example, new creators earning 85% for a limited time, as noted in the Creator Agreement). If any such variation applies to you, it will be specified in writing. Absent that, the 80/20 split is standard. All calculations are made on the pre-tax, pre-fee amount – meaning if a fan pays $10, and there’s a $0.50 payment processing fee, the Platform Fee is applied on the $10 (not on $9.50), and then the fee is deducted. This ensures transparency in calculating your share.

3. Adjustments to Earnings: The amount credited to your balance may be adjusted in certain cases: for example, taxes or VAT collected from the user that must be remitted, refunds or chargebacks, or penalties for fraud. If a fan’s payment includes a tax (like VAT) that Fantra must pay to a government, that tax amount may be excluded from the revenue split because it isn’t actually income to Fantra or you. Similarly, if a payment is later reversed (refunded), your earnings from that payment will be debited accordingly. Fantra will not deduct any costs or fees from your earnings except as explicitly described in our policies. We strive to keep the earnings structure straightforward: what you see in your Creator dashboard (the percentage split and any itemized adjustments) is how we calculate your final payout .

4. Promotions and Special Agreements: Fantra reserves the right to offer promotional earning boosts or custom arrangements in specific cases. For example, we might run a limited promotion where a certain group of creators keep 90% of earnings for a month or have individual deals with high-profile creators. Such changes will be communicated to the affected Creators in writing (e.g. via email or a dashboard notification) and will outline the terms (duration, percentage, etc.). Outside of such cases, no staff member or representative will ask you to accept a different revenue share. Be cautious of scams – always verify any “special deal” claims with official Fantra communications.

2. Withdrawals & Payout Process

1. Requesting a Payout: You can request a payout of your available Creator Earnings at any time (on-demand), subject to two conditions: (a) The funds you want to withdraw have passed the Pending Period; and (b) The amount meets the minimum withdrawal threshold for your chosen payout method. If you attempt to withdraw an amount that includes still-pending funds or is below the minimum, the system will not allow it. You will be informed of any such issue so you can adjust your request.

2. Pending Period Duration: The standard pending period is 7 days from the time a user makes a payment . For example, if a fan subscribes on the 1st of the month, that payment will become available for payout on the 8th (assuming no issues). However, Fantra reserves the right to extend the pending period up to 28 days for certain transactions or accounts as part of risk management. Factors that might lead to a longer pending period include new creator accounts (as we build trust), a sudden large increase in your earnings (which could indicate fraud or viral activity we want to verify), or other signals from our fraud detection system. The applicable pending period for any given transaction is determined automatically and may change over time; Fantra may not always individually notify you of a pending period change, but the information will be reflected in your account balance details . We aim to keep pending times as short as safely possible.

3. KYC Requirement: In order to withdraw earnings, you must have a verified creator account. Fantra will not process payouts until you have completed identity verification (KYC) as required in the Creator Agreement. If you attempt a withdrawal without having verified, it will be placed on hold pending completion of KYC. This ensures all payouts only go to verified adult creators. We also require that you provide any necessary tax information before payout, as noted in Section 3 of this Policy (payouts may be suspended until tax forms are submitted).

4. Supported Payout Methods: Fantra supports multiple payout methods to accommodate creators globally. Common methods include:

   • Bank Transfer: Direct deposit into your bank account (via ACH, SEPA, wire, etc., depending on your country). You’ll provide your banking details (account number, routing/IBAN, etc.).

   • Digital Wallets: Payouts to services like PayPal, Payoneer, or other online payment platforms, if supported by Fantra.

   • Cryptocurrency: In select regions, Fantra may offer crypto payouts (e.g. Bitcoin or USDC to a wallet address) . This will depend on legal allowances and partner integrations. Crypto payouts may have additional verification steps to comply with anti-money laundering rules.

   • Other Methods: If other payout partners are available (such as prepaid cards or mobile money in certain countries), Fantra will list them in your payout settings.

Each method may have its own processing time and fee. We will display any fees associated with a payout method before you confirm a withdrawal. Fantra itself does not charge a payout fee, but the third-party provider might (for example, an international wire transfer fee).

5. Anti-Fraud and Compliance Checks: All payout requests are subject to anti-fraud and compliance checks. When you initiate a withdrawal, our system verifies that your account is in good standing (no unresolved violations or holds) and that the funds are clear to release. We also ensure that the payout destination is not associated with a sanctioned country or person, and may run identity confirmation if suspicious activity is detected (to prevent account takeovers). These checks are normally instant or within a day. If a red flag is raised, the payout may be paused while we review manually. This is for the safety of all creators and the platform.

6. Payout Timing: We endeavor to initiate payouts within 10 business days of your request . In practice, many payouts will be processed much faster (often within 1-3 business days). The 10-day window accounts for potential delays due to:

   • Fraud/Content Reviews: If your account or content needs review (as mentioned), we might hold the payout until that is resolved.

   • Banking Delays: Once we send funds, the actual time to reach you depends on banking systems. Domestic transfers are quick, but international wires can take several days. Weekends and holidays can also cause delays.

   • Payment Errors: If the info you provided is incorrect (e.g., invalid account number), there will obviously be a delay until it’s corrected. We will attempt to notify you if a payout fails.

We ask for your patience during the payout process. If more than 10 business days have passed since your request and you haven’t received your funds, please contact support so we can investigate.

7. Creator Responsibility: Ensure that your payout details are accurate and up to date at the time of withdrawal. Fantra is not liable for lost funds due to incorrect details provided by the Creator. For example, if you typo your bank account and the money goes to someone else, retrieving those funds may not be possible. Double-check details when entering them (especially crypto addresses, as those are irreversible if wrong).

8. Notification of Issues: If you do not receive a payout you expected, or if the amount is different than what your dashboard showed, you must notify Fantra within 30 days of the payout date. We will review your account and transactions. After 30 days, records are considered final, and we may be unable to adjust past payouts. Timely reporting helps us help you.

9. Unclaimed Earnings: As noted in the Creator Agreement, if you accumulate earnings but do not provide the necessary info to withdraw them (or you abandon your account), Fantra may treat those funds as dormant. After 12 months of inactivity on your account (no withdrawals, no login, etc.), we reserve the right to consider the balance forfeited or subject to escheatment per local laws. We will make reasonable attempts to contact you (using your email on file) before this happens. If we cannot reach you and the law requires, we might have to send the funds to a government unclaimed property office depending on jurisdiction. It’s in your interest to actively manage and withdraw your earnings.

3. Tax Responsibilities

1. Gross Payments: Fantra pays out Creator Earnings gross of any taxes, meaning we do not automatically deduct income taxes from your earnings. The only routine deductions related to taxes might be VAT/GST on user transactions or withholding taxes if required by international tax treaties (see below). By default, you receive the full amount of your earnings and it’s up to you to handle taxes.

2. Tax Withholding and Forms: In some cases, Fantra may be legally required to withhold a portion of your earnings for tax purposes. For example, United States tax law might require us to withhold 30% from payments to non-US creators if we do not have a tax form on file that claims a lower treaty rate. Similarly, Fantra might need to charge VAT on certain payments and remit it. We will inform you during onboarding what forms or information you need to provide (such as a W-9 for U.S. residents or a W-8BEN for foreign creators) . If you provide the requested documentation, we will apply the appropriate tax treatment. If you do not, we may have to apply the default highest withholding rate which will reduce your payout. Any amounts withheld will be reported to you annually (for instance, via a 1099 or 1042-S form) and to the relevant tax authority.

3. Tax Compliance: You agree to comply with your local tax laws. This means registering for taxes if required, reporting your Fantra income in your tax returns, and paying any due taxes. If you are VAT-registered or need invoices, Fantra can provide self-billing invoices or statements to assist you. In certain countries, Fantra might be required to add VAT on top of fan payments (which users pay) and give you documentation of that. You understand that tax laws are complex and vary; Fantra cannot provide you personal tax advice, so please consult a tax professional if you are unsure of your obligations.

4. Tax Evasion Prohibited: Under no circumstances should you use Fantra to facilitate tax evasion. If Fantra suspects that a Creator is misusing the platform to hide income or violate tax laws, we may suspend payouts and cooperate with authorities as required. We aim to work with creators proactively on compliance (for example, if your country introduces a new digital services tax, we’ll adapt our systems accordingly).

4. Refunds, Chargebacks & Adjustments

1. Impact of Refunds/Chargebacks: When a fan’s payment is refunded or a chargeback is granted, the Creator does not keep those earnings. Fantra will deduct the amount of any refunded or charged-back transaction from your Creator Balance. If the refund happens before payout, it will simply not be included in your next payout. If it happens after you’ve been paid, you may see a negative balance that will be offset against future earnings or which you may need to repay to Fantra.

2. Platform Breach Adjustments: In rare cases where a payout was made in error or due to a platform technical issue (for example, a bug gave you credit for a transaction that never actually occurred), Fantra may recover the overpaid amount from your balance or future earnings. We will notify you if such an adjustment is necessary.

3. Dispute Fees: As detailed in the Creator Agreement, Fantra monitors chargeback rates. If your chargeback/dispute rate exceeds 1.5% in a rolling 30-day period, Fantra may impose a fee (currently $50 USD) for each dispute above that threshold. This fee, if applied, will be deducted from your balance or future earnings. We will typically alert you if you are nearing this threshold so you can take corrective action. The fee may be waived in cases of obvious error or if you demonstrate a genuine effort to resolve issues with fans. Our goal is not to penalize honest creators, but to encourage proactive management that keeps fans satisfied and fraudulent activity low.

4. Negative Balances: If at any time your Creator Balance becomes negative (for instance, due to a wave of chargebacks), you agree that Fantra may set off that negative amount against future earnings. Fantra may also, in its discretion, require immediate reimbursement from you (especially if the amount is large and we suspect fraud). If you leave the platform with a negative balance owed, Fantra reserves the right to pursue collection of those amounts through lawful means.

5. Fraud and Forfeiture: Content that violates our policies can lead to forfeiture of associated earnings. For example, if you earned money from a video that is later found to contain illegal content, Fantra may remove the video and revoke the earnings from that video as part of the penalty. Any such action will be done in accordance with our Acceptable Use Policy and Content Moderation Policy. We mention it here to be clear that not all earnings are guaranteed if they were obtained via misconduct. Funds removed for policy reasons are usually returned to the affected users or handled as required by law (for instance, donations to charity in the case of seized illegal funds), not kept by Fantra.

Need Help? If you have questions about this Earnings & Payouts Policy or any payout issue, please contact our support team. We are committed to transparency and ensuring you are paid correctly and on time for your creative work.