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PROVIDER / CREATOR AGREEMENT

Effective Date: 25 February 2024

Applies to: Flipdare Pty Ltd (Australia) & Flipdare LLC (USA)

This Provider / Creator Agreement (“Agreement”) forms a binding contract between
you (“Creator”, “you”, “your”) and Flipdare (“Flipdare”, “we”, “us”, “our”).
By uploading content, accepting Tasks, or receiving Pledges,
you agree to this Agreement in addition to the Flipdare Terms and Conditions.

Eligibility

  1. You must be a registered Member of the Flipdare Application.
  2. You must be an authorized credit‑card holder to receive payments.
  3. You must comply with all applicable laws in your jurisdiction.

Content Ownership and Licensing

  1. You retain ownership of all content you upload (“Creator Content”).
  2. By uploading Creator Content, you grant Flipdare a worldwide, perpetual, irrevocable, transferable, royalty‑free license to:
    1. host, store, display, distribute, and transmit your content;
    2. use your content for safety, moderation, and classification;
    3. use your content for the operation of the Task/Pledge system.
  3. You warrant that your content:
    1. is lawful;
    2. does not infringe third‑party rights;
    3. complies with Flipdare’s Content Moderation & Safety Policy.

Tasks, Pledges, and Completion

  1. A Task is a request from Members for you to create a specific video.
  2. A Pledge is a conditional payment commitment made by Members.
  3. You may accept or decline any Task.
  4. Once accepted, you have 31 days to complete the Task.
  5. If you fail to complete the Task within 31 days, all Pledges are deleted and no payments are made.
  6. Completion and acceptance of a Task does not guarantee payment unless the underlying Pledge is
    successfully processed and settled by Stripe.

Voting and Algorithmic Determination

  1. Upon Task completion, a 3‑day voting window opens.
  2. Members who made Pledges may vote to accept or reject the Task.
  3. If not all Members vote, Flipdare may use its proprietary algorithm (“Patent Pending”) to determine the likely outcome.
  4. If the Task is accepted (by vote or algorithm), Pledges are charged and paid to you within 24 hours.

Payments

  1. Payments are processed via Stripe.
  2. Flipdare deducts applicable fees as described in the Fees & Payments Policy.
  3. You are solely responsible for any taxes, duties, levies, or governmental charges applicable to your earnings.
  4. Flipdare does not calculate, collect, or remit taxes on your behalf unless required by law.
  5. You are responsible for any taxes, reporting obligations, or regulatory requirements in your jurisdiction.

Payment Processing, Holding Periods, and Risk Assessment

  1. Payments are processed through Stripe. By using the Application, you agree to Stripe’s terms, policies, and fee schedules.
  2. To limit fraud, assist with refund processing, and reduce the likelihood of disputes, Flipdare may hold funds for a period ranging from 1 day to 14 days before releasing them to your connected Stripe account.
  3. The length of the holding period is determined by Flipdare’s proprietary Risk Assessment Model, which evaluates:
    • your VIP status
    • your dispute rate
    • your refund rate
    • your payout rate
    • the age of your connected Stripe account
    • your total number of successfully processed transactions
    • your High‑Amount Transaction history
  4. Flipdare may adjust the Risk Assessment Model at any time to ensure platform integrity, reduce fraud, and comply with Stripe’s risk‑management requirements.
  5. You acknowledge that holding periods are standard practice within the Stripe ecosystem and are necessary to protect both Members and Creators from fraud, chargebacks, and financial loss.
  6. Held funds do not accrue interest and are not treated as stored value or a deposit.
  7. Flipdare may adjust holding periods at any time based on changes to risk, platform integrity, or Stripe requirements.

Flipdare Processing Fees

  1. Flipdare charges a processing fee on all successfully settled Pledges.
  2. The applicable fee depends on your Member status at the time the Pledge is captured and settled.
    1. Standard Members
      • 7% Flipdare processing fee
    2. Foundation Members
      • 5% Flipdare processing fee
      • Automatically applied to the first 5,000 Members who join Flipdare
    3. VIP Members
      • 4% Flipdare processing fee

VIP Status Determination

A Creator may obtain VIP status through any of the following pathways:

  1. Activity‑Based VIP
  2. Creators who demonstrate high levels of positive activity may be granted VIP status.
  3. Activity is determined using a proprietary method that considers:
    • approximate location
    • negative reports
    • platform engagement patterns
  4. Impact‑Based VIP
  5. VIP may be granted based on a proprietary “impact” formula that considers:
    • total views
    • total content created
    • total likes
    • total dislikes
    • total negative reports
  6. Support‑Requested VIP
  7. Creators may request VIP status by contacting Flipdare Support at: support@flipdare.com
  8. Requests are reviewed at Flipdare’s discretion.
  9. “goat” status VIP
    1. Flipdare assigns each Member a public status, automatically updated using a proprietary algorithm.
    2. Statuses (from lowest to highest):
      • rookie
      • veteran
      • expert
      • master
      • legend
      • goat
    3. Creators who achieve goat status automatically receive VIP fee status.

VIP Discretion and Removal

  1. Flipdare may modify how VIP status is granted at any time.
  2. VIP status is discretionary and may be revoked if:
    1. excessive negative reports are filed against the Creator
    2. the Creator violates any Terms or policies
    3. the Creator engages in harmful, fraudulent, or abusive conduct
    4. Flipdare may adjust the VIP formula or criteria without notice.

No Guarantee of Payment; Flipdare Not Liable for Unpaid Pledges

  1. Creators acknowledge and agree that all Pledges are conditional and subject to successful authorization,
    capture, and settlement of funds by Stripe or any other third‑party payment processor.
  2. Flipdare does not guarantee, insure, or warrant that any Pledge or payment will be successfully completed.
  3. Flipdare has no control over, and accepts no responsibility for, the approval, decline, reversal, dispute,
    chargeback, fraud hold, or failure of any payment or Pledge.
  4. A Pledge does not constitute a debt owed by Flipdare.
  5. Flipdare has no obligation to pay a Creator unless and until the underlying payment is successfully captured and settled by Stripe.
  6. If Stripe or any payment processor fails to settle funds for any reason, including but not limited to insufficient
    funds, expired cards, fraud reviews, chargebacks, or user disputes, Flipdare has no obligation to compensate the Creator,
    advance funds, or pursue recovery on the Creator’s behalf.
  7. Creators expressly release Flipdare from any claim, expectation, reliance, or liability relating to unpaid,
    declined, reversed, or disputed Pledges, including any anticipated earnings or reliance damages.
  8. Creators understand that Flipdare acts solely as a facilitator of payment processing and is not a party to
    any financial transaction between Members and Creators.

Chargebacks and Disputes

  1. Within the Stripe ecosystem, “Disputes” and “Chargebacks” refer to the same process initiated by a cardholder through their financial institution.
  2. You will be notified in the Payments tab of the Application if a Dispute/Chargeback has been raised against one of your transactions. The Payments tab displays:
    • the Member who initiated the dispute,
    • the Task or Pledge associated with the dispute,
    • the amount disputed, and
    • the dispute status.
  3. A link to your Stripe Dashboard is provided, where you may submit evidence, respond to the dispute, or manage the dispute process directly with Stripe.
  4. If a Member initiates a chargeback, Flipdare will automatically provide Stripe with the following evidence (where available):
    • Task details
    • Pledge information
    • Completion timestamps
    • Voting results
    • Chat logs
    • IP address and device information
    • Any other relevant metadata
  5. Stripe may impose dispute fees, retrieval fees, or investigation fees (“Dispute Fees”). Flipdare may recover these fees by:
    1. deducting them from future payouts,
    2. offsetting them against earnings,
    3. debiting your payment method on file, or
    4. issuing an invoice payable within 7 days.
  6. Flipdare is not responsible for contesting, appealing, or reversing a chargeback. Stripe’s decision is final.

Payment Issues

  1. After a Task has been completed, Members may raise a Payment Issue through the Application.
  2. When a Payment Issue is created:
    1. a private chat is opened between you and the Member,
    2. both parties may attempt to resolve the issue directly.
  3. If the Member sends a message in the Payment Issue chat and you do not respond within 5 days, the refund request is automatically approved.
  4. If you send a message in the Payment Issue chat and the Member does not respond within 5 days, the refund request is automatically rejected.
  5. If the parties cannot resolve the issue:
    1. a Moderator (a trusted Flipdare user or Flipdare support staff member) will be assigned to evaluate the issue.
  6. The Moderator may consider:
    • the dispute rate of the Member and Creator,
    • the refund rate of the Member and Creator,
    • your payout rate,
    • whether the transaction is a High‑Amount Transaction (>$250 USD),
    • any evidence provided by either party.
  7. The Moderator’s decision is final and binding.

Refunds

  1. Refunds are not guaranteed and may only be issued where required by law or at Flipdare’s sole discretion.
  2. Before a Task is completed, Members may request a refund at any time.
  3. After a Task is completed, refunds may only be issued through the Payment Issue process described above.
  4. Refunds may only be issued if sufficient funds remain in your Stripe balance. Flipdare is not responsible for refunding amounts 1. that cannot be recovered from you.
  5. Flipdare may deny refund requests that are:
    • excessive or abusive,
    • inconsistent with the Task/Pledge system,
    • related to subjective dissatisfaction after Task acceptance,
    • related to content accepted by vote or algorithm.
  6. You must cooperate with refund investigations. Failure to cooperate may result in suspension or termination.

High‑Amount Transactions (>$250 USD)

  1. For transactions exceeding $250 USD, Flipdare may use an automated or semi‑automated algorithm to determine whether a refund should be automatically approved.
  2. The algorithm may consider:
    • your connected account balance,
    • the potential impact of a chargeback on your Stripe account,
    • the potential impact of a chargeback on Flipdare,
    • the Member’s history of successful chargebacks,
    • the operational cost of contesting the chargeback.
  3. Flipdare may automatically approve a refund if:
    • the cost of contesting the chargeback outweighs the refund amount,
    • your account is at risk of Stripe penalties,
    • Flipdare’s platform‑wide dispute ratio may be negatively impacted,
    • the Member has a history of successful chargebacks.
  4. Automatic approvals under this section are final.

Prohibited Conduct

  1. You must not upload or distribute:
    1. illegal content
    2. harmful or abusive content
    3. content involving minors
    4. violent or sexual exploitation
    5. copyrighted material without permission
    6. content that violates the Content Moderation & Safety Policy

Reputation and Restrictions

  1. Your Reputation score may increase or decrease based on content sentiment and user reports.
  2. Low Reputation may trigger increased moderation or automated restrictions.
  3. Restrictions may affect your ability to:
    1. upload content
    2. accept Tasks
    3. receive Pledges
    4. interact with Members

Termination

  1. Flipdare may suspend or terminate your Creator privileges if you:
    1. violate this Agreement
    2. upload illegal or harmful content
    3. engage in fraudulent behavior
    4. receive repeated negative reports
    5. breach the Terms and Conditions

Account Deletion and Retention of Content

  1. Creators may request deletion of their Account at any time using the account deletion feature available
    within the Application or on the Flipdare website.
  2. Flipdare may require reasonable steps to verify your identity before processing a deletion request.
  3. Upon receiving a valid deletion request, Flipdare will delete or anonymize your personal information in
    accordance with applicable data protection laws, including the GDPR, UK‑GDPR, CCPA, and other regional privacy regulations.
  4. Notwithstanding an Account deletion request, Flipdare may retain copies of any Creator Content that other
    Members have paid for, accessed, or are entitled to access under the Task/Pledge system.
  5. This retention is necessary to:
    • fulfil contractual obligations to Members who purchased or pledged for the content,
    • maintain transaction and financial records,
    • prevent fraud or abuse, and
    • comply with legal, tax, and regulatory requirements.
  6. Where Creator Content is retained after Account deletion, Flipdare will remove or anonymize all personal data
    associated with the deleted Account, ensuring that:
    • the content is no longer linked to your identity,
    • no personal information is displayed or processed,
    • the content is retained solely for the purposes listed above.
  7. Creator Content that has not been purchased, accessed, or relied upon by other Members may be deleted at
    Flipdare’s discretion when an Account deletion request is processed.
  8. Flipdare may also retain certain information where required by law, including:
    • financial transaction records,
    • fraud‑prevention data,
    • safety or moderation records,
    • information subject to law‑enforcement holds.
  9. Once your Account is deleted, you will no longer have access to any Creator Content you previously uploaded
    or any earnings associated with that content.
  10. Account deletion is permanent and cannot be reversed.

Governing Law

U.S. users: governed by Delaware law
Australian users: governed by NSW law