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

• Available Balance — validated payouts credited to your Platform balance and available for withdrawal through Whop.
• Bot Score — the 0–100 fraud-risk score described in Section 9.
• Brand — the business or individual funding a Campaign (an Organization under the Organization Terms).
• 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 holding period described in Section 7 during which CR verifies views and runs fraud checks before a payout settles.
• Verified — an Organization that has been verified by CR.

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.

2.4 Your account. You are responsible for activity carried out under your account. Sign-in credentials are managed by Whop under Whop’s own terms.

3.1 Whop is a separate company whose platform CR uses for payment processing and money movement. The two companies handle different things:

• Whop handles: withdrawals of your Platform balance (via the Whop Finance page, typically ~3–5 business days or instant for a fee charged by Whop); and any related KYC, each under Whop’s own terms.
• 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 Platform balance. You withdraw through 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 — flat fee

CR charges a flat 10% Creator fee on every CPM Campaign payout. The rate does not vary with your lifetime platform earnings, the Campaign budget, or the size of the payout.

5.2 Per-post and Retainer Campaigns — flat fee

This Section applies to all Per-post and Retainer Campaigns:

• 10% on Campaigns with a total budget under $5,000.
• 0% (“Premium”) on Campaigns with a total budget of $5,000 or more.

5.3 Discounts

If CR offers a promotional discount that lowers your effective rate, that discount controls over the flat-fee language in Section 5.2 for that Campaign.

6.1 CPM — paid per 1,000 verified views. Minimum budget $1,000. The Brand may set a minimum a Clip must earn before it is paid, and a maximum it can earn. Both are set in the Campaign.

6.2 Per-post — a flat amount per approved Clip, credited at approval; Per-post Clips do not accrue continued post-approval view-based payouts. If the Campaign sets a minimum view requirement and your Clip does not reach it within the monitoring period set by the Brand for that Campaign, the reserved payout is returned to the Campaign budget. Minimum budget $1,000.

6.3 Retainer — a Cycle-based subscription arrangement, paid per Cycle. The per-Cycle retainer amount must be less than the total budget. Minimum budget $1,000.

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 Budget reservation. For Per-post and Retainer Campaigns, your payout is reserved against the Campaign budget when your Submission is approved. CPM Campaigns draw down the budget incrementally as verified views accrue. If an approved Submission is later rejected or a flag on it is upheld, the unsettled reserved amount is returned to the Campaign budget (Section 11).

7.1 Bot Score triage runs first (Section 9).

7.2 Brand moderation. A Brand moderator approves or rejects your Submission. CR Support cannot approve or reject a Submission on a Brand’s behalf; CR’s role is limited to resolving flags (Sections 9–10).

7.3 Validation Window. Approved payouts are held for a Validation Window while CR verifies views and runs fraud checks before they settle to your Available Balance. Its length depends on the Campaign type. For CPM, approval starts a 7-day period during which your views continue to earn, followed by a 3-day hold, so the payout settles about 10 days after approval. Per-post payouts settle shortly after approval. Retainer payouts settle after the end of each Cycle. CR may adjust these periods; an open fraud flag pauses settlement until the flag is resolved (Section 9).

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.

7.5 Grounds for rejection. A Brand may only reject your Submission for failing a requirement stated in the Campaign Requirements or Campaign Description on the Platform. Requirements given only in other channels are not enforceable against you.

7.6 If a Campaign is paused. A Brand pausing or archiving a Campaign does not delay or cancel payouts on Submissions already approved. Those continue to settle normally.

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 produced with the help of a third-party fraud-detection provider. The specific signals, weights and detection methods are proprietary and may change at any time without notice.

9.2 How the Bot Score is used. The Bot Score is displayed to Brand moderators as an input to their review. If a Submission’s score meets or exceeds a fraud threshold (set by CR or configured per Campaign by the Brand), the Submission may be automatically flagged for human review, and any payout on it is paused while the flag is open. An automatic flag does not reject your Submission.

9.3 Human decision-making; appeals. The final decision on your Submission — approval, rejection, or resolution of a flag — is always made by a person, not by the Bot Score. You may appeal a flagged Submission under Section 10. If you believe a rejection was wrong, you can raise it with CR Support (Section 10.5). CR aims to be transparent about how the Bot Score is calculated; see the Privacy Policy for the data fields and logic involved.

9.4 Related accounts. CR may consider behavior across accounts that appear to be related or operated by the same person when evaluating fraud, and may act on all of them together.

10.1 You may file one appeal per flagged Submission.

10.2 Each appeal must include a written explanation of why the flag is wrong. You may be asked to provide supporting evidence during review.

10.3 We aim to respond within 10 business days.

10.4 A successful appeal dismisses the flag, and any payout paused by the flag resumes. An unsuccessful appeal upholds the flag, which may result in the reversal of the related unsettled payout (Section 11). The appeal in this Section decides the flag; rejections are handled under 10.5.

10.5 Rejected Submissions. If you believe a Brand rejected your Submission in error, you can raise it with CR Support. Support will review it with the Brand. The Brand decides whether to change its decision, and CR cannot guarantee an outcome.

11.1 A credited payout that has not yet settled may be reversed if the Submission it relates to is rejected after approval, or if a fraud or policy flag on it is upheld. Reversal returns the unsettled amount to the Campaign budget, and you are notified.

11.2 Once a payout has settled to your Available Balance, it is not reversed through this process.

12.1 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.

12.2 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.

12.3 CSAM. 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.

12.4 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.

12.5 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.

12.6 Co-posting. Do not post a Clip using Instagram’s Collab feature, or an equivalent co-posting feature on another platform, unless the Brand has permitted it in the Campaign Requirements or Campaign Description. Co-posted Clips split view attribution between accounts, which prevents accurate view tracking, and may be rejected.

12.7 Your audience. Describe your content and audience truthfully when applying to a Campaign. Misrepresenting your audience, or using an audience that clearly does not match a Campaign’s stated targeting, is a breach of these Terms.

12.8 Non-consensual intimate imagery. Posting intimate or sexual images of a person without their consent, including AI-generated images of a real person, is strictly prohibited. Reports may be sent to legal@contentrewards.com. Within 48 hours of a valid report, CR will remove the Submission and any Draft from the Platform, make reasonable efforts to remove known identical copies on the Platform, stop or reverse the related payout, and ban the account. CR will also report the post to the social platform it appears on and give the person reporting it the information they need to file their own report with that platform. CR retains a secured copy solely as evidence and for legal requests.

12.9 FTC compliance and CR’s role. You are solely responsible for making sure your Clip complies with FTC endorsement rules, including a clear and conspicuous disclosure placed at the beginning of the video. CR does not pre-approve Clips for FTC compliance, does not monitor Submissions for it, and is not liable for non-compliant content. Non-compliance may result in rejection and loss of payment for that Submission.

12.10 What CR can remove. Clips are posted on social platforms that CR does not own or control. CR can remove a Submission or Draft from the Platform, stop or reverse payment on it, and ban an account. Only the social platform itself can remove a post from that platform.

13.1 CR may suspend or ban an account, including an org-wide (cross-campaign) ban, for violations of these Creator Terms. An org-wide ban may be appealed once through CR Support; the ban notice describes the process.

13.2 Botting and cheating. Buying or generating views, likes, followers or engagement, or coordinating to do so, results in a permanent ban. As with any other ban, you may appeal once through CR Support, and a person reviews the appeal.

13.3 Connected social accounts after a ban. Where CR permanently bans an account, CR may also block the social accounts connected to it from being used on the Platform again, including under a different email address or Creator account.

13.4 Bans and your balance. A ban does not cancel amounts already validated to your Available Balance. CR may withhold or offset against that balance any amount you owe CR, and any loss CR incurs from confirmed fraud, botting or cheating on your account. CR may also withhold a payout where required by law or sanctions screening (Section 15). Anything remaining stays payable to you.

14.1 To verify post ownership and read post analytics, you link your social accounts — through each platform’s official OAuth flow or, where offered, by verifying ownership with a verification code placed in your account bio. Connectable platforms are Instagram, Facebook, TikTok, YouTube, and X. For Instagram, only a Professional/Business or Creator account may be connected via OAuth.

14.2 Scopes are read-only. We use the connection to verify that you own the post and to read public post analytics (views, engagement, and post metadata). We do not post on your behalf.

14.3 Token control. Tokens are stored server-side and are revocable at any time, at the source platform or from Connected accounts in your settings. Revoking stops tracking and payouts for that platform, and CR invalidates the token within 24 hours.

14.4 Migration. CR may require existing account links to be moved to an OAuth connection. If CR does, it will give you at least 2 weeks’ notice and set a connection deadline. Accounts not connected by the deadline may have tracking and payouts paused until connected.

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

15.1 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).

15.2 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.

16.1 CR’s role. CR operates the Platform and its ledger, validates Submissions, and credits validated payouts to your Platform balance. Your Platform balance is a record on CR’s ledger of amounts payable to you; it is paid out through Whop when you withdraw. Withdrawals and any related 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.

16.2 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 15). Account access, withdrawal, and custody on Whop are governed by Whop and Whop’s terms, not by CR.

16.3 Third-party payment processor. Whop is a third-party payment processor and platform. Funded Campaign budgets and withdrawals are handled through Whop under Whop’s own terms. CR operates the Platform and its ledger of balances and instructs payouts through Whop.

17.1 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.

17.2 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.

17.3 Rights you give. Once your Clip or Draft is approved, you give CR and the Brand a perpetual, worldwide, royalty-free, non-exclusive and sublicensable license to host, use, reproduce, edit, adapt, repost, publish, display, distribute and promote it, in whole or in part, on any platform and in any medium, including in paid advertising, for the Brand’s own products, services and brands. No further payment is owed beyond the Campaign amounts. For Retainer Campaigns, Deliverables are produced on a work-for-hire / assignment basis as set out in the applicable Campaign terms.

17.4 Drafts that are never approved. If a Draft is not approved, you keep ownership of it and the Brand obtains no rights to it. CR retains the Draft and related chat as evidence (Section 8.3), and that evidentiary use is the only use CR makes of it.

17.5 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.

17.6 Brand-provided content. Where the Brand provided the underlying content for a Campaign, for example templates, long-form footage, assets or scripts, the Brand owns the final edited Clip you create and post, and you assign all rights in it to the Brand, effective once the Clip is approved. Where this Section applies it takes the place of the license in 19.3. Your warranties in 19.2 still apply.

17.7 Name and likeness. You grant CR and the Brand permission to use your username, handle, voice, image and likeness, and any captions or on-screen statements, as they appear in or are associated with your Clip, to run and promote that Campaign and that Clip. This does not permit use of your name or likeness in unrelated marketing, or as a standalone endorsement outside the Campaign.

17.8 Portfolio use. You may show Clips you created in your personal portfolio or showreel, unless the Brand has opted out of portfolio use in the Campaign Requirements or Campaign Description.

18.1 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, before a single arbitrator, seated in Delaware.

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

18.3 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.

18.4 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 28.

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

18.6 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.

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

19.2 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.

19.3 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 the mechanisms required by the EU Digital Services Act and the UK Online Safety Act, including notice-and-action, complaint handling, and required transparency information. 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, Indemnity, Arbitration, Limitation of Liability, and these General provisions) survive termination.

31.1 These Creator Terms, together with the Organization Terms (where applicable to you), the Privacy Policy, and the FTC Compliance page, are the entire agreement between you and CR for the Content Rewards web application and replace all prior versions with respect to it. They do not replace or supersede the Terms of Service governing the Whop-hosted experience, which continue to apply to that experience as described in the Scope section above.

31.2 Order of precedence. If there is a conflict, the order is: (1) these Creator Terms for Creator matters, (2) the Organization Terms for Organization 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.

Content Rewards Inc — a Delaware corporation · HQ: Beverly Hills, California · Governing law: Delaware · Last updated: September 3, 2026

32.1 You agree to indemnify, defend and hold harmless CR, its officers, directors, employees and agents from any claim, loss, cost or expense arising from your use of the Platform, your Clips or Drafts, or your breach of these Creator Terms.

32.2 This Section applies only to the extent permitted by law, and nothing in it limits your statutory rights as a consumer.

These Creator Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws rules. Any dispute not subject to arbitration under Section 18 will be brought in the state or federal courts located in Delaware, and you consent to their jurisdiction.