Capitalized terms have the meanings below. Additional terms are defined where they first appear.

• Available Balance — funds that have been validated and credited to your Whop balance and are available for withdrawal through Whop.
• Bot Score — the 0–100 fraud-risk score described in Section 9.
• Brand — a business or individual that funds a Campaign.
• Campaign — a brand-funded program in which Creators post Clips for compensation. Campaign types are CPM, Per-post, and Retainer (Section 6).
• Clip — the short-form video you publicly post on a connected platform as part of a Campaign.
• Cycle — a recurring billing/delivery period in a Retainer Campaign.
• Deliverable — a Clip or Draft that a Campaign requires you to produce.
• Discover — the in-Platform page where Public Campaigns are listed.
• Draft — a raw, unposted video file (e.g., an MP4) you upload for Pre-post Review (Section 8).
• Premium — a Per-post or Retainer Campaign with a total budget of $5,000 or more, on which the Creator fee is 0% (Section 5).
• Submission — the act of submitting a posted Clip's URL (or a Draft, where required) for review and payout.
• Validation Window — the 3-day period described in Section 7 during which CR verifies views before crediting a payout.
• Verified — a Brand that has cleared CR business verification or enrolled through the Agency Partner Program.

2.1 You must be at least 18 years old. The Platform is not directed to and may not be used by anyone under 18. We do not knowingly permit minors on the Platform under any circumstances, including with parental consent. If we learn a user is under 18, we will terminate the account and may withhold any pending amounts.

2.2 You must have the legal capacity to enter into this agreement and must use the Platform only for lawful purposes.

2.3 You agree your account information is accurate and that you will keep it current.

3.1 The Platform is built inside Whop, a separate company. The two companies handle different things:

• Whop handles: account login and the application shell; your money (your Whop balance); withdrawals (via the Whop Finance page, typically ~3–5 business days or instant for a fee charged by Whop); per-Campaign communities, bans within those communities, and Campaign support chats.
• Content Rewards handles: earning, Submissions, view verification, fraud detection and flagging, and Campaign operation.

3.2 You also agree to Whop's own terms. Withdrawal timing, withdrawal fees, and account access on Whop are controlled by Whop, not CR.

4.1 A Brand funds a Campaign budget through Whop. You post a Clip and submit its public URL (or, where required, a Draft). Your Submission is triaged by a Bot Score (Section 9), then a Brand moderator approves or rejects it. CR verifies views through the social platforms' APIs, applies the Validation Window, and then credits the payout to your Whop balance. You withdraw from Whop.

4.2 Payouts are not limited to CPM Campaigns. Per-post and Retainer Campaigns pay a fixed amount per approved Deliverable, credited at approval (subject to the Validation Window and fraud review). CPM Campaigns pay per 1,000 verified views and may continue to accrue post-approval view-based payouts while the Campaign remains funded and open.

CR charges a Creator fee on your earnings. The fee depends on the Campaign type.

5.1 CPM Campaigns — progressive fee on lifetime platform earnings. The fee is applied like a tax bracket, based on your lifetime platform earnings. Each dollar falls into exactly one bracket:

Only the portion of your earnings within a bracket is charged at that bracket's rate.

5.2 Per-post and Retainer Campaigns — flat fee. This Section applies to all Per-post and Retainer Campaigns (it is not limited to CPM):

• 7% on Campaigns with a total budget under $5,000.
• 0% ("Premium") on Campaigns with a total budget of $5,000 or more.

5.3 Fee is fixed; how to read discounts. Our take rate is fixed by policy. Any difference you see in a realized rate comes from fraud, a Campaign-level discount, or a refund — not from CR re-pricing a Campaign after it starts. If a VIP or promotional discount lowers your effective rate, that discount controls over the flat-fee language in Section 5.2 for that Campaign. Where we calculate a referral or partner commission tied to your fee, we calculate it off your actual applicable rate, not a fixed 7%.

6.1 CPM — paid per 1,000 verified views. Minimum budget $1,000.

6.2 Per-post — a flat amount per approved Clip. Per-post Clips pay a fixed amount at approval; they do not accrue continued post-approval view-based payouts. Minimum budget $1,000.

6.3 Retainer — a Cycle-based subscription arrangement. The minimum budget is auto-computed as (retainer-per-Cycle × estimated number of Cycles × number of slots).

6.4 Budget utilization. A Campaign draws down its funded budget as Submissions are approved and validated; remaining budget stays available for new Submissions until it is exhausted.

6.5 Reserved budget on Submission. When you submit, the estimated payout is reserved against the Campaign budget. The reservation is released if your Submission is rejected by the Brand.

7.1 Bot Score triage runs first (Section 9).

7.2 Brand moderation. A Brand moderator approves or rejects your Submission. CR Support can only return a Submission to Pending for the Brand to re-review; Support cannot directly approve a Submission.

7.3 Validation Window (3 days). When a Submission is approved, CR verifies views and runs fraud checks during a 3-day Validation Window before the payout is credited to your Available Balance. The Validation Window gates whether and when a payout is credited. The 3-day Validation Window is fixed; CR does not extend it.

7.4 Withdrawal timing is Whop's, not ours. Once a payout is credited to your Whop balance, you withdraw through Whop. Whop's stated ~3–5 business day timing (or instant for a fee) is a payout initiation estimate; CR does not control or guarantee when Whop settles a withdrawal.

8.1 A Brand may turn on optional Pre-post Review for any Campaign type. When it is on, you upload a raw video Draft (e.g., an MP4) before posting.

8.2 The Brand may approve, reject, or request changes, with multi-round inline chat.

8.3 Drafts and the related chat are retained as evidence even if the Brand later deletes the Campaign.

8.4 Draft approval is not final approval of the posted Clip. The Brand may still reject the posted Clip for brief non-compliance (for example, missing a required disclosure or deviating from the approved brief) even if your Draft was approved.

9.1 The Bot Score is a 0–100 fraud-risk score powered by May Software Inc, a third-party processor (may.inc). It combines 100+ flag signals with a reinforcement-learning model trained on 130M+ monthly snapshots.

9.2 Bot Score is a signal for manual review. The Bot Score is displayed as an input to a Brand moderator's review. It does not by itself flag or reject a Submission: there is no automatic flagging and no automatic rejection. Any flag is applied manually by the Brand or a moderator, and approval or rejection is decided by the Brand.

9.3 Human decision-making; appeals. Decisions on your Submission are made by a human Brand moderator. You may appeal a flagged Submission under Section 10; a rejected video is not separately appealable. CR aims to be transparent about how the Bot Score is calculated; see the Privacy Policy for the data fields and logic involved.

10.1 You may file one appeal per flagged Submission.

10.2 Each appeal must include at least 15 words of explanation and at least one supporting image or video.

10.3 We respond within 10 business days.

10.4 A successful appeal returns the Submission to Pending for the Brand to re-review (CR Support cannot directly approve it).

(Clawback mechanics are not in effect at launch; this number is reserved to preserve later numbering.)

(Reserved. A content-stay-live requirement is not in effect at launch; this Section number is held to preserve the numbering of later Sections.)

13.1 You will not use the Platform to post, submit, or distribute content that:

• is illegal, or promotes illegal activity;
• infringes anyone's intellectual property or other rights;
• is sexually explicit, or that sexualizes minors in any way;
• harasses, threatens, defames, or invades the privacy of any person;
• is fraudulent, deceptive, or designed to inflate views or engagement (botting, view farms, click farms, engagement pods, or similar);
• contains malware or attempts to compromise the Platform;
• violates the rules of the platform where the Clip is posted.

13.2 No artificial inflation. You will not buy, generate, or otherwise obtain non-genuine views, likes, followers, or engagement, and you will not coordinate to do so.

13.3 CSAM and NCII. Child sexual abuse material is strictly prohibited. CR reports apparent child sexual abuse material to the National Center for Missing & Exploited Children (NCMEC) as required by 18 U.S.C. § 2258A. CR also operates a process to remove non-consensual intimate imagery (NCII) on report.

13.4 People depicted in Clips. If your Clip shows an identifiable person, you are responsible for any required rights or releases. You will not post content that defames a person or violates a person's right of publicity.

13.5 Regulated verticals. For Campaigns in regulated areas (for example, crypto, finance, supplements, gambling), you must comply with all applicable advertising laws and any Brand-supplied disclosures, in addition to the FTC disclosure requirements in our FTC Compliance page. Some claims may be prohibited regardless of disclosure.

14.1 CR may suspend or ban an account, including an org-wide (cross-campaign) ban, for violations of these Creator Terms. An org-wide ban is appealable under Section 10.

14.2 Confirmed botting/cheating — permanent ban, no appeal. Where CR confirms botting or cheating, the resulting permanent ban carries no appeal. This narrow "no appeal" rule applies only to confirmed botting/cheating permanent bans and does not limit your general appeal rights for flagged Submissions under Section 10.

15.1 To verify post ownership and read public analytics, you connect your social accounts through OAuth. Instagram, TikTok, YouTube, and X are connected via OAuth; Facebook is required with no grace period. For Instagram, only a Professional/Business or Creator account may be connected.

15.2 Scopes are read-only. We use the connection to verify that you own the post and to read public post analytics (views, engagement, post metadata, and platform-provided audience demographics where the platform exposes them). We do not post on your behalf.

15.3 Token control. Tokens are stored server-side and are revocable at any time, at the source platform or on your Linked Accounts page. Revoking stops tracking and payouts for that platform, and CR invalidates the token within 24 hours.

15.4 Migration. During the OAuth migration, you have a 2-week customer-facing window to connect, with a 4-week hard backend cutoff.

See the Privacy Policy for the exact data fields, scopes, and retention per platform.

(Tax-information collection is not in effect at launch; this number is reserved to preserve later numbering.)

17.1 You represent that you are not on the U.S. Treasury's Office of Foreign Assets Control (OFAC) Specially Designated Nationals (SDN) list, not owned or controlled by such a person, and not located in or a resident of a comprehensively sanctioned or otherwise prohibited jurisdiction (the prohibited jurisdictions are listed by reference on our website and may change).

17.2 CR may screen you against sanctions and watchlists, and may withhold payouts, suspend, or terminate your account if you fail screening or are in a prohibited jurisdiction. Compliance with applicable sanctions and export-control laws is CR's own independent obligation; CR performs its own screening and does not rely solely on any payment processor for this purpose.

18.1 CR's role. CR operates the Platform and ledger, validates Submissions, and instructs payouts to be credited to your Whop balance. CR does not custody your funds. Your balance, withdrawals, and KYC are handled through Whop under Whop's own terms, which you separately agree to (Section 3). CR makes no representation, warranty, or guarantee about Whop, and nothing in these Creator Terms imposes any liability or obligation on Whop; CR cannot bind Whop.

18.2 If Whop bans you or you lose Whop access, you may be unable to withdraw through Whop. CR's records of your validated balance remain, and you may contact CR Support so CR can review your account and instruct a payout through an alternative method CR may, in its discretion, reasonably make available, subject to identity verification and sanctions screening (Section 17). Account access, withdrawal, and custody on Whop are governed by Whop and Whop's terms, not by CR.

18.3 Third-party payment processor; no custody. Whop is a third-party payment processor and platform; it is not CR's agent and CR does not custody funds. Funded campaign budgets and creator balances are held and disbursed through Whop under Whop's own terms. CR operates the Platform and ledger and instructs payouts through Whop.

19.1 Brand footage to you. Where a Brand provides footage or assets for a Campaign, the Brand grants you a limited, revocable, non-exclusive license to use that footage only to create and post the Campaign's Clip.

19.2 Your warranties. You warrant that your Clip does not infringe anyone's rights, and that you have cleared all third-party rights it uses, including music and any other third-party content.

19.3 License you grant. You grant CR and the Brand a license to your Clip. The Brand's license takes effect only once the Clip is approved and posted. For Retainer Campaigns, the Deliverables are produced on a work-for-hire / assignment basis as set out in the applicable Campaign terms.

19.4 Drafts that are never posted. You retain ownership of a Draft that is never posted. CR retains the Draft and related chat as evidence (Section 8.3), but neither CR nor the Brand obtains a content license to an unposted Draft beyond that evidentiary use.

19.5 DMCA. CR maintains a designated DMCA agent and a repeat-infringer policy. Notices and counter-notices may be sent to CR's designated agent at legal@contentrewards.com or Content Rewards Inc., 12055 Summit Circle, Beverly Hills, CA 90210, USA, and are handled as described on our website. CR's designated DMCA agent is Content Rewards Legal, Content Rewards Inc., 12055 Summit Circle, Beverly Hills, CA 90210, USA, legal@contentrewards.com. CR terminates the accounts of repeat infringers in appropriate circumstances.

Arbitration is administered by the American Arbitration Association under its Consumer Arbitration Rules, before a single arbitrator, seated in Delaware. Each party brings claims only individually and not as a plaintiff or class member (class-action and collective-action waiver). You may opt out of arbitration by emailing legal@contentrewards.com within 30 days of first accepting these Terms. Either party may bring an individual claim in small-claims court instead. Where 25 or more similar demands are filed by or with coordinated counsel, the parties will use the AAA's mass-arbitration / batching procedures.

20.1 Agreement to arbitrate. Except as carved out below, you and CR agree to resolve disputes by binding arbitration administered by the American Arbitration Association (AAA) under its applicable Consumer or Commercial Rules.

20.2 Class-action waiver. Disputes are resolved individually. You and CR waive any right to bring or participate in a class, collective, or representative action.

20.3 Mass-arbitration batching. If 25 or more similar demands are filed by or with coordinated counsel, the demands will be administered in batches under AAA's mass filing / batching procedures to manage filing fees and process them efficiently.

20.4 30-day opt-out. You may opt out of arbitration by sending written notice within 30 days of first accepting these Creator Terms, to the address in Section 30.

20.5 Small-claims carve-out. Either party may bring an individual claim in small-claims court if it qualifies.

20.6 Geographic carve-out. This Section does not apply to the extent it would be unenforceable for, or would unlawfully restrict the rights of, consumers in the EU or UK, including their rights to lodge data-protection complaints with a supervisory authority. Those users keep their mandatory local rights and forums.

21.1 To the maximum extent permitted by law, CR is not liable for indirect, incidental, special, consequential, or punitive damages.

21.2 Liability cap with a fair floor. CR's total liability to you is capped at the greater of (a) the total fees you paid to CR in the 12 months before the claim and (b) US $500. This floor ensures the cap is not effectively zero for Creators.

21.3 Nothing in this Section limits liability that cannot be limited by law.

The Platform is provided "as is" and "as available." We do not guarantee any level of views, earnings, Campaign availability, or that the Platform will be uninterrupted or error-free, except as required by law.

For users in the EU and UK, CR provides a statement of reasons for content removals and account actions, a notice-and-action mechanism, an internal complaint-handling process, and the transparency information required by the EU Digital Services Act and the UK Online Safety Act. CR will designate and publish an EU representative where required.

Nothing in these Creator Terms excludes or limits any rights you have under mandatory law that cannot be excluded or limited (including consumer-protection and data-protection rights). Where any provision conflicts with such mandatory rights, those rights prevail.

We may update these Creator Terms. Material changes will be notified through the Platform or by email. Continued use after the effective date means you accept the change.

You may not assign these Creator Terms without our consent. CR may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets.

Neither party is liable for delay or failure caused by events beyond its reasonable control, including outages of Whop or the social platforms, acts of government, or natural events.

A failure to enforce a provision is not a waiver of it.

If any provision is held unenforceable, the rest remains in effect, and the unenforceable provision is limited to the minimum extent necessary.

Notices to CR may be sent to legal@contentrewards.com or by mail to Content Rewards Inc., 12055 Summit Circle, Beverly Hills, CA 90210, USA. Notices to you may be sent through the Platform or to your account email.

You consent to receive agreements, notices, and disclosures electronically.

Sections that by their nature should survive (including Fees owed, Intellectual Property, Arbitration, Limitation of Liability, and these General provisions) survive termination.

33.1 These Creator Terms, together with the Brand TOS (where applicable to you), the Privacy Policy, and the FTC Compliance page, are the entire agreement between you and CR on this subject and replace all prior versions.

33.2 Order of precedence. If there is a conflict, the order is: (1) these Creator Terms for Creator matters, (2) the Brand TOS for Brand matters, (3) the Privacy Policy for privacy matters, then (4) any other posted policy. The Privacy Policy controls on privacy questions regardless of this order.