FanSpot Payments, Payouts, Refunds & Chargebacks Policy Effective Date: June 13, 2026 Last Updated: June 13, 2026 Registered Government Name: FanSpot Operator: Martin Pevec acting as FanSpot Contact Email: legal@fanspot.me This Payments, Payouts, Refunds & Chargebacks Policy governs purchases, subscriptions, tips, paid posts, digital product sales, creator storefront transactions, custom orders, commissions, payment processing, failed payments, billing controls, creator payouts, payout eligibility, payout schedules, payout holds, rolling reserves, refunds, chargebacks, payment disputes, fan purchase restrictions, creator risk controls, creator payout reserve acknowledgements, and related payment activity on FanSpot. This Policy is part of the FanSpot Terms of Service and Creator Agreement. By creating an account, making a purchase, subscribing to a creator, tipping a creator, unlocking paid content, buying a digital product, placing a custom order, applying as a creator, accepting payments, receiving payouts, or otherwise using FanSpot payment features, you agree to this Policy. 1. Purpose of This Policy FanSpot is a creator monetization platform. Money movement on FanSpot must be clear, controlled, and trustworthy for fans, creators, FanSpot, payment partners, payout partners, banks, card networks, and platform service providers. The purpose of this Policy is to explain how fans make purchases, how creators become eligible for payouts, how subscriptions renew and cancel, how refunds are reviewed, how chargebacks and disputes are handled, when payments or payouts may be held, when FanSpot may use rolling reserves, failed payment rules, fan purchase restrictions, creator payout reserve obligations, and how FanSpot protects itself from fraud, chargebacks, refund abuse, payment abuse, and avoidable financial loss. FanSpot is creator-friendly, but payment trust comes first. 2. Relationship to Other FanSpot Policies This Policy works together with FanSpot Terms of Service, FanSpot Privacy Policy, FanSpot Creator Agreement, FanSpot Community Guidelines and Content Policy, FanSpot Adult Content, Age Verification and Consent Policy if applicable, FanSpot AI Creator Policy, FanSpot Copyright / DMCA / IP Policy, and any additional billing, creator, store, subscription, refund, chargeback, tax, payout, verification, or safety rules posted by FanSpot. If there is a conflict between this Policy and a more specific FanSpot payment, payout, creator, adult-content, verification, fraud, or refund rule, the stricter rule applies. 3. Definitions For this Policy: “FanSpot” means FanSpot, operated by Martin Pevec acting as FanSpot. “User” means any person who accesses or uses FanSpot. “Fan” means a user who follows creators, subscribes, purchases content, buys products, tips, messages, comments, or otherwise interacts with creators. “Creator” means a user approved or applying to publish content, operate a creator page, offer subscriptions, sell digital products, receive tips, or monetize content through FanSpot. “Payment” means money paid by a fan or user through FanSpot for subscriptions, posts, tips, digital products, custom orders, commissions, services, messaging, or other paid platform features. “Payout” means money FanSpot pays or releases to a creator after eligible earnings are calculated, reviewed, settled, and approved. “Creator Earnings” means the creator’s eligible share of settled payments after applicable platform fees, processing fees, refunds, chargebacks, dispute fees, taxes, reserves, adjustments, and other deductions. “Gross Sale” means the total amount charged to a fan before deductions. “Net Creator Earnings” means the amount eligible to be paid to the creator after applicable deductions and risk adjustments. “Platform Fee” means FanSpot’s share of eligible revenue. “Processing Fee” means any fee charged by payment, payout, banking, card, or transaction service providers. “Refund” means a return of funds to a fan or buyer. “Chargeback” means a payment dispute filed through a card issuer, bank, payment method, payment partner, or financial institution. “Dispute” means any payment challenge, complaint, reversal request, chargeback, unauthorized-transaction claim, failed-delivery claim, fraud claim, or similar financial claim. “Rolling Reserve” means a portion of creator earnings held for a period of time to cover possible refunds, chargebacks, disputes, fraud, processor holds, or other payment risk. “Payout Hold” means a temporary or extended hold on creator funds due to risk, review, policy, verification, legal, or payment concerns. “Failed Payment” means a payment that is declined, reversed, rejected, expired, disputed, cancelled, blocked, or not successfully completed. 4. Payment Features Covered This Policy applies to all paid FanSpot features, including subscriptions, membership tiers, locked posts, paid posts, paid downloads, digital products, store purchases, tips, one-time support payments, paid messages if enabled, custom orders if enabled, commissions if enabled, bundles if enabled, creator promotions if enabled, and any other paid feature offered by FanSpot. FanSpot may add, remove, pause, limit, rename, or modify payment features at any time. 5. Payment Processing FanSpot may use third-party payment, payout, banking, fraud-prevention, tax, identity-verification, and financial service providers to process transactions and payouts. FanSpot does not need to directly process or store full payment-card information if a payment partner handles that information. By making or receiving payments through FanSpot, users agree that payments may be processed by third-party service providers, payment partners may have their own terms and policies, payment partners may approve, decline, hold, reverse, or review transactions, FanSpot may receive transaction status information, FanSpot may use payment data to process purchases, prevent fraud, manage refunds, review chargebacks, calculate creator earnings, and enforce platform rules, FanSpot may change payment partners or payout methods at any time, and certain content categories, countries, regions, products, users, or creators may be unsupported. FanSpot may reject, hold, cancel, reverse, refund, or review a payment if FanSpot determines that the transaction creates legal, fraud, content, safety, chargeback, processor, or platform-trust risk. 6. User Payment Responsibilities Users making purchases on FanSpot agree that they are authorized to use the payment method submitted, the payment information provided is accurate, they will not use stolen payment methods, they will not use unauthorized payment accounts, they will not submit fraudulent transactions, they will not make purchases to manipulate creators, rankings, tiers, payouts, or platform systems, they will not abuse refunds, disputes, or chargebacks, they will review prices, subscription terms, product details, delivery details, and purchase terms before buying, they understand that access may be restricted if payment fails, is reversed, is disputed, or is refunded, and they will contact FanSpot for billing concerns instead of abusing payment disputes. FanSpot may require additional verification before allowing a user to purchase. 7. Payment Authorization When a user starts a purchase, FanSpot or its payment partners may authorize, verify, reserve, or charge the payment method. A payment may not be considered final until FanSpot receives confirmation that the transaction was successfully processed and settled. FanSpot may delay access to paid content until payment is confirmed. FanSpot may remove access if a payment is later declined, reversed, disputed, charged back, refunded, cancelled, or flagged as suspicious. 8. Currency, Taxes, and Fees FanSpot may display prices in one or more supported currencies. Users may be responsible for purchase price, taxes, currency conversion fees, card issuer fees, bank fees, payment-method fees, and any other fees charged by third parties. Creators may be responsible for income taxes, business taxes, sales taxes where applicable, tax reporting, payout fees, bank fees, currency conversion fees, chargebacks, refunds, dispute fees, required reserves, and other deductions described in FanSpot policies. FanSpot may collect, calculate, withhold, report, or remit taxes where required or where FanSpot determines it is appropriate. 9. Creator Earnings Calculation Creator earnings may be calculated based on the creator’s approved revenue share, creator tier, program status, product type, transaction type, or separate agreement. Creator earnings may be affected by platform fees, processing fees, payout fees, currency conversion fees, taxes, refunds, chargebacks, dispute fees, failed payments, fraud losses, payout reserves, rolling reserves, payment holds, creator tier changes, promotional discounts, coupons, fan credits, manual adjustments, payment-partner restrictions, and legal or compliance requirements. Creator dashboard amounts may be estimates until funds are settled, reviewed, and approved for payout. FanSpot may correct dashboard errors, payout errors, fee errors, calculation errors, duplicate payments, or incorrect balances. 10. Gross Sales Are Not Guaranteed Creator Earnings A gross sale does not mean the creator is entitled to the full amount. Before a creator is paid, FanSpot may deduct or account for payment-processing fees, platform fees, refunds, chargebacks, dispute fees, failed payment reversals, taxes, currency fees, payout fees, reserve amounts, fraud losses, promotional discounts, adjustments, amounts owed to FanSpot, and any other deductions allowed under FanSpot policies. Creators acknowledge that only eligible settled funds are payout-eligible. 11. Creator Payout Eligibility Creators are not eligible for payouts until FanSpot determines that all required conditions are satisfied. Payout eligibility may require an approved creator account, completed identity verification, completed age verification, completed tax setup, completed payout setup, completed banking or payout-provider setup, completed manual review, accepted Creator Agreement, accepted this Policy, accepted all applicable content policies, no unresolved high-risk reports, no unresolved fraud concerns, no unresolved stolen-content claims, no unresolved consent disputes, no unresolved adult-content concerns if applicable, no unresolved AI-content concerns if applicable, no unresolved payment-partner holds, no disqualifying policy violations, and FanSpot’s approval that the creator is in good standing. FanSpot may deny or delay payout eligibility until all conditions are satisfied. 12. Payout Schedule Policy FanSpot may offer creator payouts on a schedule determined by FanSpot. FanSpot may offer weekly payouts, bi-weekly payouts, monthly payouts, manual payouts, delayed payouts, risk-based payout schedules, special payout schedules for approved creators, faster payout access for trusted creators if enabled, and slower payout access for new or high-risk creators. A payout schedule is not a guarantee that every creator will receive funds on that exact schedule. Payout timing may depend on payment settlement, creator verification, tax setup, payout setup, payout method, banking delays, currency conversion, payment-partner review, fraud review, chargeback review, refund review, account standing, minimum payout thresholds, weekend or holiday delays, manual review, technical issues, legal or compliance holds, rolling reserves, and any other risk factor. FanSpot may change payout schedules at any time. 13. Minimum Payout Threshold FanSpot may require creators to reach a minimum payout threshold before funds are released. Minimum payout thresholds may vary by creator country, payout method, currency, payment partner, creator tier, risk level, account standing, and applicable fees. If a creator’s available balance is below the minimum threshold, FanSpot may carry the balance forward until the threshold is met or until FanSpot handles the balance under its account-closure rules. 14. Payout Methods FanSpot may offer one or more payout methods. Available payout methods may depend on creator country, creator verification status, creator tax status, creator bank eligibility, currency, payment partner availability, risk level, account standing, and FanSpot’s supported payout options. FanSpot may add, remove, pause, or replace payout methods at any time. Creators are responsible for providing accurate payout information. FanSpot is not responsible for losses caused by incorrect payout information submitted by the creator. 15. Failed Payouts A payout may fail because of incorrect bank information, closed account, unsupported account, name mismatch, currency issue, country restriction, tax issue, compliance issue, payment-partner rejection, bank rejection, technical issue, fraud review, or account restriction. If a payout fails, FanSpot may return the funds to the creator’s FanSpot balance, retry the payout, request updated information, place the account under review, or restrict payout access until the issue is resolved. Fees charged for failed payouts may be deducted from creator balances where applicable. 16. Payout Holds FanSpot may hold, delay, reduce, offset, or freeze payouts when FanSpot determines that a hold is necessary. Reasons for payout holds include failed identity verification, missing tax information, missing payout information, incorrect banking information, suspicious activity, fraud concerns, fake fans, fake purchases, self-purchases, coordinated purchase activity, abnormal sales spikes, chargebacks, refunds, payment disputes, failed payments, stolen-content claims, copyright complaints, consent disputes, adult-content review if applicable, AI-content review if applicable, misleading listings, undelivered digital products, custom-order disputes, excessive fan complaints, excessive refunds, excessive chargebacks, creator policy violations, account suspension, legal request, payment-partner hold, platform-risk review, security concerns, or any other issue FanSpot determines creates financial, legal, safety, payment, or platform risk. A payout hold may remain in place until FanSpot determines the issue is resolved. 17. Rolling Reserve Policy FanSpot may require a rolling reserve for creators, categories, accounts, or transactions that create payment risk. A rolling reserve means FanSpot holds a portion of creator earnings for a period of time to cover potential refunds, chargebacks, disputes, fraud, payment reversals, account issues, or other liabilities. Rolling reserves may be applied to new creators, high-risk creators, creators with sudden sales spikes, creators with high refund rates, creators with high chargeback rates, creators selling higher-risk products, creators in age-restricted categories if applicable, creators with incomplete verification, creators with unusual purchase patterns, creators with suspicious fan activity, creators under manual review, creators with prior payment issues, and creators required by payment partners to maintain reserves. FanSpot may determine the reserve percentage, reserve duration, reserve release schedule, transactions subject to reserve, whether reserve terms change over time, and whether reserve funds are used to cover losses. FanSpot may increase, decrease, extend, release, or reapply reserves based on risk. 18. Creator Payout Reserve Acknowledgement By using FanSpot creator monetization tools, creators acknowledge and agree that not all earned amounts are immediately payable, FanSpot may hold reserves to protect against refunds, chargebacks, disputes, fraud, failed payments, and payment risk, FanSpot may deduct amounts owed from creator balances, FanSpot may delay payouts during account review, FanSpot may freeze payouts during serious policy investigations, FanSpot may apply reserve rules differently based on risk, FanSpot may use held funds to cover refunds, chargebacks, dispute fees, processor fees, penalties, taxes, fraud losses, or other amounts owed, reserve requirements may continue after account suspension or termination, FanSpot may require reserves even if the creator has not personally done anything wrong if transaction risk is present, and FanSpot’s dashboard may show gross amounts, estimated earnings, available balances, pending balances, held balances, and reserved balances differently. Creators accept payout reserves as a condition of monetizing on FanSpot. 19. Payout Offsets and Deductions FanSpot may offset or deduct amounts from creator balances for refunds, chargebacks, dispute fees, payment reversals, failed payments, processor fees, payout fees, bank fees, currency conversion fees, taxes, penalties, fraud losses, fan credits, promotional discounts, duplicate payments, incorrect payouts, negative balances, amounts owed to FanSpot, legal or compliance costs connected to creator violations, and any other allowed deductions under FanSpot policies. If a creator balance becomes negative, FanSpot may deduct the negative amount from future earnings or require repayment. 20. Negative Balances A creator may have a negative balance if refunds, chargebacks, disputes, fees, reversals, reserves, penalties, or adjustments exceed available earnings. If a creator has a negative balance, FanSpot may deduct the amount from future earnings, hold future payouts, restrict creator features, require repayment, suspend monetization, remove store listings, pause subscriptions, terminate creator access, or use any other collection method allowed by law and FanSpot policies. Creators remain responsible for negative balances caused by their account activity, content, transactions, disputes, or policy violations. 21. Fan Purchases Fans may purchase FanSpot products or creator offerings such as subscriptions, paid posts, locked content, digital products, store items, tips, custom orders if enabled, commissions if enabled, paid messages if enabled, and other paid features. Before making a purchase, fans are responsible for reviewing price, currency, billing frequency, renewal terms, product description, delivery terms, creator identity, AI disclosure if applicable, age-restricted access rules if applicable, refund limitations, and any restrictions shown at checkout or in the listing. A fan may lose access to purchased content if the purchase is refunded, reversed, charged back, cancelled, or found to violate FanSpot rules. 22. Subscription Renewal Policy Subscriptions may renew automatically unless cancelled. By subscribing, fans authorize FanSpot and its payment partners to charge the selected payment method on a recurring basis until the subscription is cancelled or otherwise ended. Subscription renewal terms may include monthly renewal, annual renewal if enabled, creator-specific membership tiers, subscription price shown at checkout, renewal date shown in account settings or billing settings, automatic renewal until cancellation, and fan responsibility to cancel before renewal if they do not want to continue. FanSpot may send renewal notices where required or where FanSpot chooses to do so. FanSpot may change subscription systems, renewal rules, billing features, or cancellation flows at any time. 23. Subscription Cancellation Policy Fans may cancel future subscription renewals through FanSpot’s billing settings, account settings, or another cancellation method FanSpot provides. Cancellation usually stops future billing. Cancellation does not always refund the current billing period. After cancellation, the fan may keep access until the end of the paid period unless the subscription is refunded, reversed, restricted, or otherwise ended, future renewals should stop, creator benefits may end after the paid period, access may end immediately if the payment is refunded, charged back, fraudulent, or cancelled for policy reasons, and FanSpot may keep transaction records for legal, tax, accounting, fraud-prevention, and dispute purposes. Fans are responsible for cancelling before the renewal date if they do not want to be charged again. 24. Subscription Price Changes Creators or FanSpot may change subscription prices where the platform allows it. FanSpot may require notice, fan consent, or a new subscription confirmation for certain price changes where required by law, platform rules, or payment-partner requirements. If a fan does not accept a required price change, the subscription may be cancelled or not renewed. 25. Creator Subscription Obligations Creators offering subscriptions must describe subscription benefits honestly. Creators must not misrepresent what is included, promise benefits they do not intend to provide, mislead fans about posting frequency, mislead fans about exclusivity, mislead fans about access duration, mislead fans about cancellation or refunds, use subscription pages to bypass content rules, or hide important restrictions. FanSpot may pause, cancel, refund, or restrict creator subscriptions if the creator violates platform rules, becomes inactive, fails verification, loses approval for a content category, or creates payment risk. 26. Failed Payment Policy A payment may fail if the payment method is declined, expired, insufficient, blocked, unauthorized, flagged, reversed, rejected, or otherwise not completed. If a payment fails, FanSpot may deny access to the purchase, remove access to paid content, pause a subscription, cancel a subscription, retry the payment, ask the user to update payment information, restrict purchases, restrict account features, notify the user, or prevent future purchases until the issue is resolved. For subscriptions, a failed renewal payment may result in paused or cancelled access. FanSpot is not responsible for loss of access caused by failed payment methods. 27. Tips and One-Time Support Payments Fans may tip creators or send one-time support payments where FanSpot enables those features. A tip is generally a voluntary support payment. A tip does not guarantee specific content, a personal reply, a private message, a custom order, a subscription benefit, a refund, special treatment, a relationship with the creator, or future content. FanSpot may review, hold, reverse, or refund tips for fraud, payment abuse, chargebacks, policy violations, account restrictions, suspicious activity, or platform risk. Creators must not pressure, threaten, manipulate, or deceive fans into tipping. 28. Digital Product Payments Digital product purchases may provide access to downloadable files, digital content, creator-made materials, templates, art, digital packs, or other approved digital goods. Creators are responsible for accurate listings and delivery. Fans are responsible for reviewing listing details before purchase. FanSpot may refund or restrict digital product payments if the file is not delivered, the listing is materially misleading, the file is corrupted or inaccessible due to creator error, the product violates FanSpot policy, the product infringes rights, the product contains prohibited content, the purchase is fraudulent, or the transaction creates payment risk. Digital products may be non-refundable after access or download unless FanSpot determines a refund is appropriate. 29. Custom Orders and Commissions Payments If FanSpot enables custom orders or commissions, payment terms may depend on the specific order flow. FanSpot may require upfront payment, creator approval before payment, partial payment, milestone payment, manual delivery confirmation, buyer instructions, creator delivery estimate, and dispute review. Creators must not accept custom orders they cannot deliver. Fans must not request prohibited content. FanSpot may cancel, refund, restrict, or review custom orders if the creator fails to deliver, the request violates policy, the creator violates policy, the buyer violates policy, the order becomes disputed, the transaction is suspicious, payment partners require review, or FanSpot determines the order creates risk. 30. Refund Policy FanSpot may grant, deny, partially grant, or review refunds at its discretion, subject to applicable law and platform policies. Refunds may be considered for unauthorized transactions, duplicate charges, technical failures preventing access, platform errors, failed delivery of a digital product, materially misleading listings, creator failure to deliver a paid custom order, creator account removal before paid benefits are provided, stolen content, copyright violations, consent disputes, fraud, serious creator misconduct, payment-processing errors, and other circumstances FanSpot determines appropriate. Refunds are not guaranteed for buyer regret, forgetting to cancel a subscription, not liking content after access is granted, changing your mind after purchase, not using purchased access, fan account suspension caused by the fan’s violation, creator posting style changes, expected content not promised in the listing, off-platform arrangements, attempted payment-rule evasion, unauthorized sharing of paid content, chargeback abuse, purchases made by someone with access to your account or device unless FanSpot determines otherwise, fan failure to read listing details, or fan failure to cancel before renewal. FanSpot may require information before processing a refund request. 31. Refund Request Procedure To request a refund, users should contact FanSpot at legal@fanspot.me or use any refund tool FanSpot provides. A refund request should include account email, username, transaction date, transaction amount, creator involved, product, post, subscription, tip, order, or payment involved, reason for request, screenshots or supporting information if available, whether the user has already contacted the creator, and whether the payment has already been disputed through a bank or card issuer. FanSpot may ask for additional information. Submitting a refund request does not guarantee a refund. 32. Refund Review Factors FanSpot may consider whether the user accessed the content, whether the user downloaded the content, whether the purchase was accurately described, whether the creator delivered what was promised, whether the creator account is in good standing, whether the buyer violated FanSpot policies, whether the transaction appears fraudulent, whether the user has a history of refund abuse, whether the creator has a history of disputes, whether payment partners require action, whether the content was removed for policy reasons, whether there are legal, consent, copyright, adult-content, AI-content, or safety concerns, whether a chargeback has already been filed, and whether the user attempted to bypass FanSpot systems. FanSpot may issue a full refund, partial refund, credit, denial, or other resolution. 33. Refund Effects If a refund is issued, the fan may lose access to the refunded content, the creator’s earnings may be reduced, the refund may be deducted from creator balances, the creator’s payout may be held or adjusted, subscription access may end, store access may end, custom order access may end, FanSpot may preserve records, and FanSpot may restrict future purchases if refund abuse is suspected. Creators acknowledge that refunds may reduce current or future payouts. 34. Chargeback / Dispute Policy Users should contact FanSpot before filing a chargeback whenever possible. A chargeback or dispute may occur when a user challenges a transaction through a bank, card issuer, payment method, or financial institution. FanSpot may treat chargebacks as serious payment events because they create financial, operational, and payment-partner risk. If a user files a chargeback, FanSpot may suspend access to the disputed content, suspend or restrict the user’s account, cancel subscriptions, restrict future purchases, remove saved payment methods, request information from the user, provide evidence to payment partners, deduct the disputed amount from creator balances, deduct dispute fees from creator balances where applicable, hold creator payouts during review, or terminate accounts for abuse. Users must not file false, abusive, excessive, or bad-faith chargebacks. 35. Creator Responsibility for Chargebacks Creators may be financially responsible for chargebacks and disputes connected to their account, content, products, conduct, or violations. FanSpot may deduct from creator balances chargeback amounts, dispute fees, refund amounts, payment reversal amounts, processor fees, fraud losses, chargeback penalties, related costs, negative balances, and amounts owed to FanSpot. Creators may be subject to payout holds, rolling reserves, store restrictions, monetization limits, or account termination if chargebacks are excessive or suspicious. 36. Chargeback Review Factors FanSpot may review user purchase history, creator history, product description, access logs, download logs, message history, refund request history, report history, fraud signals, payment method history, device and account signals, creator delivery evidence, content status, policy violations, subscription status, chargeback reason code if available, and payment-partner requirements. FanSpot may dispute chargebacks where appropriate. FanSpot may also accept chargebacks where FanSpot determines the transaction should be reversed. 37. Chargeback Abuse Chargeback abuse includes buying content and falsely claiming it was unauthorized, accessing or downloading content and then disputing payment in bad faith, repeatedly subscribing and disputing charges, using payment disputes instead of cancellation, filing disputes after violating FanSpot policies, coordinating disputes with others, using disputes to harass creators, using disputes to avoid paying for consumed content, creating multiple accounts to continue purchasing after restrictions, and filing false claims. FanSpot may permanently ban users for chargeback abuse. 38. Fan Purchase Restrictions FanSpot may restrict or block a fan’s ability to purchase, subscribe, tip, message, or use paid features. Reasons include failed payments, excessive refunds, chargebacks, fraud signals, suspicious payment methods, stolen payment concerns, account sharing, age or identity concerns, policy violations, harassment of creators, prohibited content requests, attempts to bypass FanSpot fees or rules, location restrictions, payment partner restrictions, and platform-risk concerns. FanSpot may require additional verification before restoring purchase access. 39. Creator Risk Review FanSpot may review creators for payment risk. Risk factors may include new creator status, sudden revenue spikes, high refund rate, high chargeback rate, low delivery completion, misleading listings, fan complaints, suspicious fan accounts, self-purchase concerns, fake engagement, stolen content reports, consent disputes, adult-content category risk if applicable, AI impersonation risk if applicable, unsupported country or region, prior account history, failed verification, payment partner warnings, and manual review results. FanSpot may apply payout holds, reserves, purchase limits, feature restrictions, or account review based on risk. 40. Self-Purchases and Artificial Transactions Creators must not purchase their own content or coordinate purchases to manipulate creator earnings, creator tiers, discovery placement, fan counts, subscriber counts, sales totals, payout eligibility, platform rankings, promotional eligibility, Founding Creator bonuses, or trust metrics. Artificial transactions may result in refunding purchases, removing earnings, holding payouts, downgrading tiers, terminating creator access, or banning accounts. 41. Fraud Monitoring FanSpot may monitor payment activity for fraud and abuse. Fraud signals may include multiple accounts using the same payment method, multiple payment methods using the same account, high failed-payment rates, sudden purchase spikes, unusual geographic patterns, device or IP irregularities, repeated refund requests, repeated chargebacks, self-purchase patterns, coordinated purchase patterns, abnormal subscription behavior, high-risk content categories, stolen-content reports, unusual payout changes, and attempts to evade restrictions. FanSpot may use manual review, automated tools, third-party services, or a combination of methods. 42. Payment Holds for Fans FanSpot may delay access to a fan purchase if payment authorization is pending, fraud review is pending, age access is pending, account verification is pending, payment partner review is pending, the transaction is suspicious, the creator is under review, or the product or content is under review. FanSpot may cancel or refund the transaction if it cannot be safely completed. 43. High-Risk Content and Payment Restrictions Some content categories may be subject to additional payment restrictions. High-risk categories may include age-restricted content if active, adult creator subscriptions if active, custom orders, high-value digital products, new creator stores, AI persona content with likeness concerns, content subject to reports, content subject to ownership disputes, content subject to consent disputes, and any category FanSpot determines creates payment risk. FanSpot may restrict payment features for high-risk categories even if the content is otherwise allowed on the platform. 44. Age-Restricted Payment Rules If FanSpot activates age-restricted content features, payments connected to those features may be subject to additional rules. FanSpot may require fan age eligibility, fan account eligibility, creator adult-content approval, creator verification, consent documentation, content labeling, restricted discovery, payment partner approval, manual review, higher reserves, slower payouts, additional refund review, and additional chargeback monitoring. FanSpot may disable payments for age-restricted content at any time. 45. AI Creator Payment Rules AI creators may monetize only if approved under FanSpot’s Creator Agreement and AI Creator Policy. FanSpot may hold, delay, restrict, or reverse AI creator earnings if there are concerns involving missing AI disclosure, real-person likeness misuse, impersonation, non-consensual AI content, prohibited adult AI content, prohibited minor-related AI content, misleading subscriptions, misleading store listings, fan deception, payment disputes, and copyright or ownership concerns. AI creator payout eligibility may be tied to the verified human or business operating the AI account. 46. Store Seller Payment Rules Creators who sell digital products through FanSpot storefronts agree that listings must be accurate, files must be delivered as described, products must comply with FanSpot policies, FanSpot may refund buyers for misleading or undelivered products, FanSpot may deduct refunds from creator balances, FanSpot may hold payouts for store disputes, FanSpot may restrict store access for excessive disputes, FanSpot may require manual approval for certain products, and FanSpot may remove products that create payment risk. FanSpot may apply reserves to store sellers. 47. Subscription Fraud and Abuse FanSpot may restrict subscriptions where there is suspected abuse. Subscription abuse may include subscribing with stolen payment methods, subscribing and immediately charging back, creating multiple accounts for trial or discount abuse, manipulating creator subscriber counts, coordinating fake subscriptions, using subscriptions to harass creators, subscribing to access content and leak it, evading prior bans, repeatedly cancelling and disputing charges, and using false identities. FanSpot may cancel abusive subscriptions and restrict accounts. 48. Discounts, Credits, Coupons, and Promotions FanSpot may allow discounts, coupons, fan credits, creator promotions, platform promotions, founding creator offers, or other promotional pricing. Promotions may be subject to expiration dates, eligibility requirements, creator approval, fan eligibility, location restrictions, payment method restrictions, abuse prevention, refund limitations, feature availability, and platform rules. FanSpot may cancel, revoke, reverse, or adjust promotions if abuse, fraud, error, or policy violation occurs. Promotional discounts may reduce creator earnings depending on the offer structure. 49. Errors and Adjustments FanSpot may correct errors involving incorrect prices, incorrect fees, incorrect payout balances, duplicate payments, duplicate payouts, incorrect refunds, incorrect chargeback deductions, incorrect creator tiers, incorrect taxes, incorrect reserves, incorrect currency conversions, technical billing errors, and dashboard display errors. FanSpot may adjust balances, reverse payouts, deduct future earnings, or request repayment to correct errors. 50. Account Suspension and Payment Effects If a fan account is suspended or terminated, purchases may be restricted, subscriptions may be cancelled, access to paid content may be removed, refunds may be denied if the suspension was caused by the fan’s violation, payment records may be retained, and chargebacks may still be investigated. If a creator account is suspended or terminated, payouts may be held, subscriptions may be paused or cancelled, store listings may be removed, new purchases may be blocked, existing sales may be reviewed, refunds may be issued, chargebacks may be deducted, reserves may be retained, negative balances may be collected, and records may be preserved. 51. Creator Inactivity and Payments FanSpot may pause monetization or subscriptions for creators who become inactive. FanSpot may consider a creator inactive based on factors such as no posts for a significant period, no platform login, no response to support, no response to verification requests, no response to disputes, abandoned store listings, undelivered products, failure to maintain account information, and failure to maintain payout or tax information. FanSpot may pause subscriptions, hide creator pages, restrict purchases, or hold payouts if inactivity creates fan harm or payment risk. 52. Abandoned Balances If a creator stops using FanSpot but still has a balance, FanSpot may hold the balance until the creator completes payout requirements, the creator updates payout information, legal retention periods expire, reserves are released, disputes are resolved, tax obligations are satisfied, and FanSpot determines the balance can be paid. FanSpot may handle abandoned balances according to applicable law and platform policy. 53. Payment Data and Privacy FanSpot processes payment-related information according to the FanSpot Privacy Policy. FanSpot may collect or process transaction amount, transaction status, payment method type, payment partner reference IDs, billing country or region, subscription status, renewal dates, cancellation dates, refund status, chargeback status, fraud signals, payout status, creator balance information, tax and payout information, and support and dispute communications. FanSpot does not intend to publicly display private payment, banking, tax, or full card information. 54. Payment Communications FanSpot may send payment-related communications, including purchase confirmations, subscription confirmations, renewal notices, cancellation notices, failed payment notices, refund notices, chargeback notices, payout notices, payout hold notices, verification notices, tax information requests, policy updates, and account restriction notices. Users are responsible for keeping email and account information updated. 55. Payment Partner Requirements FanSpot may be required to follow requirements from payment, payout, banking, fraud-prevention, card-network, compliance, and financial service partners. FanSpot may take action to satisfy those requirements, including blocking certain transactions, restricting certain users, restricting certain creators, restricting certain content categories, holding payouts, applying reserves, requesting verification, removing products, cancelling subscriptions, refunding transactions, updating policies, and disabling certain paid features. FanSpot may act even if a user or creator disagrees with the requirement. 56. Recordkeeping FanSpot may keep payment records for legal, tax, accounting, fraud-prevention, dispute, refund, chargeback, security, and compliance purposes. Records may include transaction history, purchase history, subscription history, refund history, chargeback history, payout history, reserve history, fee calculations, tax records, creator verification status, payment partner reference IDs, support communications, dispute evidence, manual review notes, and enforcement records. FanSpot may retain payment records after account deletion where necessary. 57. No Circumvention Users and creators must not use FanSpot to arrange payment activity that bypasses FanSpot’s payment system in violation of platform rules. Prohibited circumvention includes moving FanSpot purchases off platform, using messages to request off-platform payment for FanSpot content, avoiding platform fees, avoiding age gates, avoiding creator verification, avoiding content rules, avoiding refund systems, avoiding dispute systems, avoiding tax or payout requirements, and avoiding payment partner rules. FanSpot may restrict accounts involved in payment circumvention. 58. User Responsibility for Account Security Users are responsible for keeping their accounts secure. FanSpot may deny refunds or limit remedies if a transaction was caused by account sharing, weak password practices, failure to secure devices, giving another person account access, allowing another person to use the payment method, or failure to report unauthorized access promptly. Users should contact FanSpot immediately at legal@fanspot.me if they believe their account or payment method was used without authorization. 59. Policy Violations and Enforcement Violations of this Policy may result in payment cancellation, purchase restriction, subscription cancellation, refund denial, refund issuance, content access removal, creator payout hold, rolling reserve, balance adjustment, store restriction, messaging restriction, account suspension, creator monetization restriction, creator removal, account termination, permanent ban, record preservation, or legal action where appropriate. FanSpot may choose enforcement based on severity, history, risk, intent, cooperation, payment impact, and platform impact. 60. Appeals Users and creators may request review of certain payment decisions. Appeals should be sent to legal@fanspot.me and include account email, username, transaction ID or payment details if available, creator involved if applicable, product, subscription, post, tip, or order involved, decision being appealed, reason for appeal, supporting evidence, and any relevant screenshots or documents. FanSpot may accept, deny, partially grant, or close an appeal. Some decisions may be final, especially those involving fraud, chargebacks, payment partner requirements, failed verification, legal restrictions, adult-content compliance, serious policy violations, or platform risk. 61. Changes to This Policy FanSpot may update this Policy at any time. FanSpot may notify users by posting the updated Policy, updating the “Last Updated” date, sending an email, showing an in-platform notice, or using another reasonable method. Continued use of FanSpot after this Policy is updated means the user accepts the updated Policy. 62. Contact For billing questions, payout issues, refund requests, chargeback concerns, failed payments, payment restrictions, creator reserve questions, appeals, or legal notices, contact: FanSpot Registered Government Name: FanSpot Operated by Martin Pevec acting as FanSpot Email: legal@fanspot.me