Terms & Conditions (Commercial Terms)

These Terms & Conditions (“Commercial Terms”) set out the commercial rules for payments, subscriptions, fees, taxes, payouts, refunds, chargebacks, promotions, and reporting on the Fanoxie platform. They form part of your agreement with us and are incorporated by reference into the Terms of Use, the Privacy Policy, the Acceptable Use Policy, and any policies referenced there.

1) Definitions (commercial)

Capitalised terms not defined here have the meanings given in the Terms of Use.

2) Commercial scope and hierarchy

These Commercial Terms apply to all monetary interactions on Fanoxie. If there is any inconsistency, the following order applies: (1) law; (2) these Commercial Terms; (3) Terms of Use; (4) other policies referenced in the Terms of Use.

3) Fan payments (how buying works)

3.1 Methods & authorisations

• Fans must add a valid payment method or sufficient Wallet Credits before purchasing.
• By clicking Subscribe/Pay, you authorise:
  • immediate charges for one-off items; and
  • Auto-Renew recurring charges for subscriptions at the then-current price until you turn off Auto-Renew before the renewal time.
• If your default method fails, you authorise us to charge any backup method you added.

3.2 Prices, currency, and taxes at checkout

• Prices are shown in the checkout flow (currency may vary by Territory).
• Taxes (e.g., VAT/GST/sales tax) are added where required by law.
• You are responsible for foreign exchange or issuer fees charged by your bank/wallet.

3.3 Wallet Credits / account balance

• You may prepay funds to your Fan account.
• Credits are non-interest bearing and non-transferable.
• Unless required by law, Wallet Credits are non-refundable. Purchases are not split: if the item price exceeds your Credits, your payment method is charged for the full price.

3.4 Free trials, promos, bundles

Creators may offer free trials, discounts, bundles, coupons, gifts or promotional pricing. Expiry dates and conditions apply as shown in the offer. We may restrict or withdraw promotions at any time.

3.5 Cancellation & access

• Cancelling a subscription stops future renewals; access continues until the end of the paid period.
• Deleting your Fan account also stops future renewals after the current period.

4) Creator earnings & payouts

4.1 Calculating Creator Earnings

Creator Earnings per transaction are calculated as:

The Platform Fee is currently 20% of Fan Payments (before taxes), unless we notify a different rate in advance or apply a promotional/negotiated rate.

4.2 Availability and payout schedule

• Earnings become available once the underlying Fan Payment is settled, subject to: fraud checks, chargeback windows, AML/KYC, sanctions screening, and any reserve/hold we apply (see 4.5).
• Payouts are made to a verified payout method (bank account, e-wallet, etc.) you select in your dashboard.
• We may specify minimum payout thresholds, cut-off times and payout frequencies in the dashboard. Timing depends on your bank/wallet and region.

4.3 Currencies and fees

Payouts are sent in the currency and methods we support for your region. Banks/wallets may charge FX or transfer fees outside our control.

4.4 Negative balances, refunds & chargebacks

• If a Fan Payment is refunded or charged back, we may deduct the corresponding portion (including processor fees and any fines/penalties) from your available or future Creator Earnings (“clawback”).
• If your account shows a negative balance, you must promptly repay the amount due. We may offset against future Earnings or seek reimbursement.

4.5 Reserves, rolling holds, and risk controls

To manage risk (e.g., high chargebacks, fraud indicators, rapid growth, unusual activity, sanctions, or legal requests), we may place a rolling reserve or temporary hold on some or all Earnings, delay or batch payouts, or require additional KYC/KYB. We will notify you if we apply a reserve and explain the key parameters (e.g., percentage, duration).

4.6 Self-billing / invoices

Where required, Fanoxie may issue self-billing statements/invoices for Creator Earnings and provide transaction summaries in your dashboard.

5) Taxes & reporting

5.1 Consumer taxes (VAT/GST/Sales tax)

• Where the law treats Fanoxie as the marketplace/facilitator or merchant of record, we may collect, calculate, and remit consumer taxes on Fan Payments.
• Where the law treats the Creator as the supplier, we may collect tax on the Creator’s behalf or display taxes as provided by the Creator. You authorise us to calculate/collect/remit if we choose to do so.

5.2 Creator income taxes

• Creators are responsible for their own income/withholding taxes. You must provide required tax forms (e.g., UK/EEA details, U.S. W-9/W-8, and we may issue 1099 forms where applicable).
• We may withhold amounts where law requires (e.g., backup withholding) and report earnings to authorities (e.g., EU DAC7, UK/EU/US equivalents).

5.3 Records

You must keep accurate records of your earnings and taxes and promptly update your tax status in the dashboard.

6) Refunds, returns & cooling-off

6.1 Digital content — immediate supply

Fanoxie provides digital content not supplied on a tangible medium. Once access begins, the service is performed and, where applicable law allows, your right to cancel is waived when you consent to immediate performance at purchase.

6.2 Our refund policy (Fans)

All sales are final for subscriptions, PPV, tips, and paid messages except where:

• required by law;
• duplicate or unauthorised transactions are proven;
• the same item was purchased multiple times due to a platform error.

We do not guarantee Creator responsiveness or specific outcomes. Content suitability is the Creator’s responsibility under the Terms of Use.

6.3 Abuse and chargebacks

Submitting unjustified chargebacks or refund requests is prohibited and may result in suspension or closure of your account and recovery of costs.

7) Pricing & fee changes

• We may change our Platform Fee, processing surcharges, payout fees, thresholds, and supported payout methods upon Notice.
• Creators control their own Content prices. We may restrict extreme or non-compliant pricing and may display rounded prices for local currencies.

8) Promotions, referrals & incentives

We may run promotions, trials, referral or affiliate programmes. Specific terms will apply in the offer. We may alter, suspend, or end a programme at any time. Any incentives are subject to verification and compliance reviews. We may recoup incentives obtained through abuse or fraud.

9) AML/KYC, sanctions & prohibited uses

• To comply with AML/CFT and sanctions rules, you must complete KYC/KYB and provide accurate information. We may verify information with third parties.
• We may decline, freeze, or reverse transactions and withhold payouts if required by law, sanctions lists, court orders, or if we reasonably suspect unlawful activity.
• You must not use Fanoxie to facilitate illegal transactions, money laundering, terrorist financing, or to evade sanctions/export controls.

10) Errors, disputes & complaints (commercial)

• Billing errors: Contact support@fanoxie.com promptly with transaction details. We will investigate and correct verifiable errors.
• Creator–Fan disputes: First try to resolve via Fanoxie messaging. We may (but are not obliged to) assist. We are not a party to the Contract between Fan and Creator.
• Complaints/appeals: Use our Complaints Policy and Appeals Policy. You must notify us of any dispute before filing a claim and, if we request, participate in good-faith mediation.

11) Term, suspension & termination (commercial)

We may suspend transactions, remove offers, withhold or reverse payouts, or terminate accounts where:

• you breach these Commercial Terms, the Terms of Use, law, or platform policies;
• we detect or reasonably suspect fraud, abuse, sanctions/AML issues, excessive chargebacks, or non-payment of Taxes;
• required by court/authority order or payment scheme rules.

On termination, outstanding obligations survive (including chargebacks, clawbacks, tax/reporting, set-off, and records retention).

12) Set-off, collection & security interest

• We may set-off amounts you owe us (including chargebacks, fines, negative balances, or penalties) against your Creator Earnings or Wallet Credits and future receipts.
• If amounts remain due, you agree to reimburse us on demand and we may use lawful collection methods. Where permitted, you grant us a security interest/lien over amounts payable to you via Fanoxie to secure obligations under these Commercial Terms.

13) Data protection & privacy

• We process personal data in line with our Privacy Policy.
• Payment Providers process data as independent controllers or processors under their own terms. Using their services constitutes acceptance of their terms and privacy notices.

14) Service providers & scheme rules

Transactions are subject to card network, bank, e-money and scheme rules. We may change Payment Providers at any time. Your continued use constitutes acceptance of the applicable rules.

15) Warranties, disclaimers & limitation of liability (commercial)

• Except as required by law, the Services are provided “as is” and “as available” without warranties of merchantability, fitness for a particular purpose, or non-infringement.
• We are not liable for losses caused by bank/wallet delays, network outages, FX movements, third-party fees, or your breach of law/policies.
• Liability cap (Creators/Business Users): to the fullest extent permitted by law, our aggregate liability under these Commercial Terms in any 12-month period is limited to the greater of (a) 100% of Platform Fees we retained from your transactions in that period, or (b) USD $5,000.
• Nothing excludes liability for fraud, death or personal injury caused by negligence, or other liability that cannot be excluded by law. Consumer mandatory rights remain unaffected.

16) Changes to these Commercial Terms

We may update these Commercial Terms. Material changes will be notified through the Services or by email. Changes apply prospectively. If you do not agree, you must stop using monetised features and, if you are a Creator, request payout of any eligible balance (subject to holds, chargebacks, and verification) and close your account.

17) Governing law & forum (commercial)

Subject to mandatory consumer protections where you live, these Commercial Terms and any non-contractual disputes arising out of them are governed by the laws of England and Wales.

• UK/EU Consumers may bring claims in England and Wales or in their local courts as required by law.
• All other Users agree to the exclusive jurisdiction of the courts of England and Wales.
• Pre-suit mediation: You agree to notify us and, if requested, to participate in good-faith mediation before filing any claim.
• Limitation period: Except where prohibited by law, claims must be brought within 1 year from when they arose or when you reasonably should have known of them.

18) Miscellaneous

• Entire agreement (commercial): These Commercial Terms plus the referenced documents are the entire commercial agreement between you and us.
• No waiver; severability: Failure to enforce is not a waiver; invalid terms are severed and the rest remain effective.
• Assignment: You may not assign these Commercial Terms. We may assign to affiliates or in a corporate transaction.
• Notices: Via your account inbox, email, or other contact details you provide.
• Language: If we provide a translation, the English version controls in case of conflict.

19) Contact

Last updated: 15 September 2025