Monetad Terms of Service

1. Introduction

Welcome to Monetad.com ("Monetad," "we," "us," or "our")!

These Terms of Service ("Terms") govern your access to and use of the Monetad website (https://monetad.com) and any related mobile applications, including all content, functionalities, and services (https://help.monetad.com) provided by Monetad and its payment processing partners. By accessing or using Monetad (including by creating an account or by clicking to agree to these Terms when prompted), you ("User", "Users") acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our [Privacy Policy]. If you do not agree to these Terms or our Privacy Policy, you may not access or use Monetad.

2. Eligibility

Monetad is available only to Users who are at least 18 years of age. If you are under 18 and at least 13 years of age, you are only permitted to use the App through an account owned by a parent or legal guardian with their appropriate permission. If you are under 13 you are not permitted to use the App or the Monetad services. By using Monetad, you confirm that you meet this age requirement and have the legal capacity to enter into a binding contract.

3. Monetad Support

Our Monetad Support team is here to help you 24/7. You can reach us via:

Email: support@monetad.com

Chat: Accessible through the Monetad Help

4. Terms & Definitions

To simplify these Terms, the following key terms apply throughout:

• Businesses: Businesses, brands, or entities that purchase promotional services from Content creators.
• Content creators: Individuals or entities that offer promotional or creative services to Businesses in exchange for payment.
• Offers: Marketing initiatives created by Businesses, outlining promotional requirements for Content creators.
• Collab proposals: Invitations sent by Content creators to Businesses to start collaboration on an offer.
• Collabs(Collaborations): Advertising activities of the Content creator, acceptance, and fulfillment of obligations under the offer.
• Collab Chat: The integrated messaging tool for negotiating or discussing Collab terms between Content creators and Businesses.
• Collab contract: The formalized terms of a collaboration, covering posting requirements, exclusivity, and any other obligations.
• Collab in progress: Refers to a Сollab contract that is currently being carried out (executed) by the parties.
• Rejected Collab: Collab declined by Business. They may be revised or withdrawn entirely.
• Completed Collab: The Collab, the conditions of the Collab contract for which have been fulfilled by both parties.
• Wallet Page: The interface where users enter payment details and authorize transactions for an Collab.
• Canceled Collab: Collab that is canceled by one party.
• Disputes: Conflicts between Content creators and Businesses regarding active Collab (with formalized Collab contract)
• Wallet Balance: The funds available in a user's Monetad account.
• Payment Services Providers: Third-party entities that Monetad uses for collecting, holding, and disbursing payments.
• Total paid: The total Earnings a Content creator received from collaborations to his own account outside of our application, subject to Monetad's Terms and withdrawal timelines.
• Publication Scheduler: Range of time when Content creator must make his publication.
• Monetad Escrow: Funds are held securely until the work is completed and approved.
• Withdrawal Request: A user may submit a request to withdraw available funds from their Monetad account to their linked personal account, subject to verification and applicable processing times.
• Content creator Platform: A group or social media account used for distributing content on platforms and owned by the content creator.
• Creatives Provided by Businesses: Businesses may upload pre-made creatives (such as images, videos, or text) for use in collaborations. Content creators may be required to use these materials as part of the Collab contract.
• Content Creator-Created Content: Content creators may submit their own creatives (including but not limited to images, videos, or captions) as part of their proposal or Collab contract, provided the content complies with Monetad's guidelines and the business's requirements.
• Collaboration Conditions: The specific conditions of each Collaboration — including deliverables, deadlines, payment amount, and usage rights — are agreed upon between the business and the content creator prior to the start of the project. These terms are binding once the proposal is accepted and payment is secured in escrow.
• Earnings is the money that Content creators earn on Monetad and can either be withdrawn subject to these Terms.
• Service fee is a percentage or fixed amount charged by Monetad for using the platform. It helps cover operational costs like support, security, and platform development.

1. Overview (In Brief)

• User Registration: Only registered users may use Monetad app. Registration is free.
• Offers Creation: Businesses can set up Offers without an upfront fee. Monetad reserves the right to introduce paid features or platform fees in the future.
• Platform Fees Waived: Monetad may waive certain fees indefinitely but reserves the right to review its fee structure at any point.
• Offers & Proposals: Content creators can apply to offers(send Collab proposals), and Businesses can review these proposals.
• Communication: Content сreators and Businesses must keep all communications and negotiations within the Monetad platform. Taking business off-platform is not permitted.
• Payment & Escrow: Monetad holds Businesses payments in escrow until the Collaboration is successfully completed.
• Ownership & Rights: By default, Businesses gain usage rights to only "Collab" specific content created for them once delivered unless otherwise agreed. Monetad reserves the right to use published and delivered content for marketing or promotional purposes.
• Privacy & Security: Monetad provides security measures to protect both Content сreators and Businesses and handles user data per its Privacy Policy.

2. Collab Acceptance & Payment Process

• Acceptance: If both parties agree to the collaboration conditions, and the proposal of Collab contract has been accepted, the Collab contract is considered accepted, and a binding agreement is formed between the Business and the Content creator.
• Escrow Holding: Monetad holds these funds until the Content creator completes the Collab in accordance with the Collab contract.
• Payment Upon Completion: Once the Collaboration is marked as "Completed", the Content creator's funds are released to their account.
• Refuse to Comply: Content creators who refuse to fulfill their obligations on a Collab contract may be subject to account warnings, temporary restrictions, or suspension from the platform.
• Platform Integrity: All payments for Collabs must go through Monetad. External or direct payments are prohibited.
• Communications: All Collab-related discussions must be conducted via Monetad's Collab Chat.

3. Ownership & Rights

• Default Ownership: By default, Businesses gain usage rights to only "Collab" specific content created for them once delivered unless otherwise agreed.
• Monetad's Use: Monetad retains the right to use delivered or published content for promotional or marketing purposes.
• Platform Fees: Monetad may, at its discretion, waive or charge platform fees. Any changes to the fee structure will be communicated to users.

4. Privacy & Security

• Privacy Policy: Refer to Monetad's [Privacy Policy] for details on how we handle user data. By using Monetad, you agree to its terms.
• Escrow Safety: Monetad's escrow holds Businesses funds until the Content creator completes the required work to the agreed Collab contract.
• Payouts Schedule: Monetad typically processes payouts to Content creators as soon as possible with a possible delay of 15 days.

Content creators on Monetad

1. Access to Offers

• Registration: Content creators must create an account on Monetad to access Offers.
• Content Creator Public information: Monetad displays name, social media links, rating and reviews and other relevant data inside Collab proposal.

2. Engagement with Businesses

• Collab Proposals: Businesses can accept a Content creator Collab proposal to submit an Offer.
• Collab Chat: Once an Collab is initiated, all communication must stay within Monetad's Collab Chat. External contact is strictly prohibited.
• Collab contract Agreement: A mutually accepted terms is a binding Collab contract once payment is made by the business.

3. Payment & Order Execution

• Publication Requirements: Once the Collab contract is accepted and Business has paid, Content creator must publish content according to the Collab contract.
• Cancellations: Collaborations in progress (with Collab contract) can only be cancelled through support requests (dispute process).
• Refunds & Wallet: If the Collab was cancelled by the decision of the Monetad (dispute process), then the funds will be distributed by the decision of the Monetad.

4. Revenue Withdrawal

• Withdrawal Process: Content can only withdraw funds from current balance (Earnings from completed collabs). Withdrawals are final and cannot be reversed once proceeded.
• Suspicion of Fraud: Monetad may delay or cancel withdrawals if fraudulent or suspicious activity is detected.
• Payment Minimum: Content creators can withdraw minimum 5$

5. Taxes & Financial Responsibility

• Content creators Taxes: Content creators are solely responsible for any taxes or duties (e.g., VAT, GST, income tax) arising from their earnings.
• Payment Provider Role: By receiving funds through Monetad, Content creators appoint Monetad as their authorized collection agent.

7. Successful Collab Criteria & Payment Upon Completion

• Collab contract: The success criteria (publication date, duration, format, etc.) are outlined in the Collab contract. Upon acceptance these terms become binding.

8. Usage of business's creatives

• Physical/Digital Products: Content creators may agree to receive a product for review to create content. Monetad is not liable for any issues or disputes related to product transfers.
• Pre-made creatives: Content creators may use Business's creatives to create content.
• No Payment Substitution: Provision of a product (pre-made creatives) does not replace payment obligations unless otherwise explicitly approved by Monetad. Violations may lead to user review or removal.

9. Monetad Content creator's Withdrawals

• Withdrawal Methods: Available methods may include Stripe or direct deposit (ACH in certain regions). Additional fees may apply based on payment provider by geography and currency.

Businesses on Monetad

1. Creating Offers

• No Listing Fee: Businesses can create Offers in the marketplace for free. Monetad reserves the right to introduce fees in the future.
• Offer Acceptance: Even if a Business accepts a Content creator Collab proposal via Collab Chat, the Business is not obligated to pay until they agree to a Collab contract with clear conditions.
• Prohibition of External Payments: Business may not offer Content Creator any form of direct payment off the Monetad platform.
• No Refund After Posting: Once the Collab is completed according to the Collab contract, refunds or chargebacks are not permitted.

2. Collabs

• Unlimited Collabs: Businesses can accept as many Collab proposals as they like without obligation to hire a Content Creator (agree to Collab contract).
• Collab Removal: Monetad may remove or suspend any Collab for violations of these Terms or other policies, including content that is illegal, fraudulent, infringing, obscene, or spam.

3. Currencies & Taxes

• Default Currency: Monetad uses USD by default. Payment Service Providers may offer currency conversions; any rates or fees are beyond Monetad's control.
• Tax Compliance: Content creators may be subject to local taxes on transactions. Content creators are responsible for complying with local tax laws.

4. Feedback & Reviews

• Leaving Feedback: Users are encouraged to leave honest feedback after a Collab. Reviews become part of the public profile.
• Misuse of Reviews: Manipulating or threatening reviews to demand extra services is prohibited and may lead to account suspension.
• No Removal of Legitimate Feedback: Feedback is only removed if it violates Monetad's Terms or community guidelines.

5. Disputes & Cancellations

• Resolution Tools: Monetad encourages Businesses and Content Creators to resolve disputes amicably via the Collab Chat.
• Customer Support: Users may contact Monetad Support if they fail to resolve an issue themselves.
• Collab Cancellation: Monetad or its Payment Services Providers may cancel orders suspected to be fraudulent or if there is a breach of these Terms.
• Refunds & Wallet Credits: If an Collab is canceled before the post is published (according to the Collab contract), any refunded amount will be credited back to the Business Monetad Wallet.

Disputes and Cancellations

We encourage our Businesses and Content Creators to try and settle conflicts amongst themselves. If for any reason this fails users can contact Monetad's Support for assistance here.

1 Basics

In Collab, cancellations can be performed on Monetad, when eligible(before agreed Collab Сontract) or through the Monetad support.

Filing a transaction dispute or initiating a chargeback through your payment provider or bank after a Collab has been accepted and delivered is a violation of these Terms of service. Doing so may result in your account being temporarily or permanently disabled.

Note: Once you initiate a dispute with your payment provider, the funds become ineligible for refund due to our obligations to that provider.

If you encounter an issue related to a Collab, we recommend using our Monetad Support to resolve the dispute.

Monetad, through its Payment Services Provider, reserves the right to cancel a Collab or place funds on hold in the event of suspected legal violations, breaches of the Terms of Service, or fraudulent activity within the app.

Any transfer or assignment of intellectual property rights to the Business is contingent upon full payment by the Business. The Business will not obtain the right to use the delivered work until payment is completed and not later reversed for any reason.

If a Collab is canceled for any reason, the funds paid will be returned to the Business's Monetad Balance or Content Creator balance by decision of Monetad Support.

Requesting additional services beyond those agreed upon in the Collab Contract is not permitted.

Collab Cancellations

Monetad encourages Businesses and Content Creators to resolve any claims or disputes by mutual agreement via the in‑app chat.

Eligibility for requesting a Collab cancellation from Monetad is assessed based on potential misconduct, violations of our Terms of Service and/or Community Standards, or improper use of the Monetad system. The specific rules of applicability are outlined below.

In exceptional circumstances, at the discretion of our Monetad Support team, a completed Collab may be canceled even after it has been marked complete. In such cases, the amount paid for the canceled order will be returned to the Business's Monetad Balance and deducted from the Content Creator's Monetad Balance—or, if that balance is insufficient, from their future earnings.

Collabs are not eligible for cancellation based on the quality of services or materials if those services were provided in accordance with the description on the Offer Page or as agreed in the Collab Contract between the Content Creator and the Business. You may rate your experience with the Business on the Collab Page, including the overall quality of the service received.

Any unauthorized use of Monetad during a Collab may result in its cancellation after review by our Support team. This includes, but is not limited to, harassment, unlawful behavior, or other violations of Monetad's Terms of Service.

Monetad may cancel a Collab for, but not limited to, the following reasons:

Collab with Contract, before "In Progress" status
(after the Business has submitted requirements and before the Content Creator delivers):

• The Content Creator delays performance by more than 24 hours and is unresponsive while the Collab is marked as Late.
• Users abuse each other through threats of low ratings or by leveraging Collab materials (such as account credentials or personal information) against one another.
• Users supply or include materials that infringe copyrights or trademarks as part of their requirements.
• A user is no longer an active Monetad member due to Terms of Service violations or account deactivation.

Collab In Progress
(after the Content Creator clicks "Agree to final confirmation" and before the Collab is marked complete):

• The Content Creator provides only proof of completion without delivering the agreed files or evidence; subjective materials will be reviewed by Support.
• The Content Creator demands additional payment on or off the app by withholding the final deliverable or threatens to delete/hide the publication.
• The Content Creator deletes or hides the publication before the deadline specified in the Collab Contract.
• Users threaten to leave a negative review to coerce additional services beyond the agreed requirements.

Completed Collab
(after the Collab is marked complete):

• Users are found, with verified evidence, to have used infringing materials (copyright or trademark).
• Users have used delivered materials commercially without purchasing the required commercial-use rights.

Chargebacks

Monetad reviews chargebacks and disputes with payment providers on behalf of Content Creators. Outcomes depend on the reason for the chargeback, but we strive to resolve disputes in the Content Creator's favor. If permitted by the chargeback process, Monetad—through its Payment Services Provider—will return part or all of the earnings to the Content Creator; otherwise, the chargeback amount will be borne by the Content Creator.

Refunds

Monetad does not automatically refund funds to your payment method when an order is canceled. Funds from canceled Collabs are returned to the Business's Monetad Balance and can be used for future Collabs.

Requests for refunds to the Business's payment method (i.e., to the payment provider) can be made on the Wallet page. Refunds depend on your payment method, amount, and currency. To prevent fraud and abuse, we limit the number of refund requests, and each request is reviewed by our Support team. Additional fees may apply.

Content Creators may offer partial refunds for a specific Collab. Upon the Business's acceptance, the amount will be automatically refunded to the Business's payment method. If Monetad—through its Payment Services Provider—is unable to process the refund to the Business's payment method, the amount will instead be credited to the Business's Monetad Balance.

Payment Terms

1. Receiving Payments

Content creators are responsible for paying any direct or indirect taxes, including any GST, VAT or income tax, which may apply to them depending on residency, location or otherwise, under provisions of their jurisdiction. Content creators represent and warrant that they comply, and will comply at all times, with their obligations under income tax provisions in their jurisdiction. The price shown on the Content creator's Collab screen, agreed between Content creator and Business, is inclusive of all such taxes and charges that may apply to the Content creators.

Appointment as Limited Payment Collection Agent: Payment Service Providers facilitate payments to Content creators. In the event Monetad receives any funds, Content Creator agrees that Monetad does so as its agent. Content creator hereby appoints Monetad as Content creator's limited authorized payment collection agent solely for the purpose of accepting payments (via its Payment Services Provider, if applicable) from Business, and remitting those payments to Content creator. Content creator agrees that payment from Business to Monetad shall be considered the same as made directly to Content creator. Business's payment obligation to Content creator will be satisfied upon receipt of payment by Monetad via its Payment Services Providers, and Monetad via its Payment Services Providers, is responsible for remitting the funds to Content creator in the manner described in these Payment Terms. In the event that Monetad, (via its Payment Services Providers), does not remit any such amounts to Content creator, the Content creator will have recourse only against Monetad and not the Business directly. Content creator agrees that Monetad may describe or otherwise reflect the terms contained herein in any terms of service, receipts, disclosures, or notices including, but not limited to, receipts provided to Business that Monetad may deem necessary or prudent.

Content creator may withdraw their Earnings using one of Monetad's withdrawal options (see Withdrawal Method section below regarding withdrawal fees). To withdraw your available Earnings, you must click on the designated withdrawal provider to initiate the withdrawal process.

To withdraw your Earnings, you must have an account with at least one of Monetad's Payment Service Providers for the withdrawal methods listed in section 2.3 below. All funds eligible for Withdrawal will be held on your behalf at an account with Monetad's Payment Services Provider with which you opened an account. All payment services, including withdrawal services, will be provided by Monetad's Payment Services Provider and not by Monetad itself.

Your Monetad profile can be associated with only one account from each Monetad withdrawal method. A Payment Service Provider withdrawal account can be associated with only one Monetad profile.

Monetad may temporarily disable a Content Creator's ability to withdraw Earnings where Monetad determines, in its sole discretion, that such action is reasonable in order to comply with legal requirements, prevent fraud, or protect the rights or interests of Monetad or any third party. While not an exhaustive list, this suspension may be a result of security issues, improper behavior reported by other users, or associating multiple Monetad accounts to a single withdrawal provider.

• Withdrawals can only be made in the amount available to you.
• Withdrawal fees vary depending on the withdrawal method and are defined by the Payment Service Providers.
• Withdrawals are final and cannot be undone. We will not be able to cancel or reverse this process once it has begun.

Content creators will be able to withdraw their Earnings from disabled accounts after a safety period of 90 days following full verification of ownership of the account in question, from the day of the last cleared payment received in their account and subject to Monetad's approval.

2. Purchasing and paying

A business may only enter into a Collab in progress stage once 100% of the agreed payment amount is available in their account balance. The funds will be held in escrow until the Collaboration is completed.

Monetad does not operate as a financial institution or payment service provider. All monetary transactions are processed by an independent third-party payment provider, which assumes full responsibility for the management and safeguarding of user funds.

Monetad serves as Content creator's limited authorized payment collection agent solely for the purpose of accepting payments (via its Payment Services Provider, if applicable) from Business, and remitting those payments to Content creator. Business's payment obligation to Content creator will be satisfied upon receipt of payment by Monetad via its Payment Services Providers and Monetad via its Payment Service Providers is responsible for remitting the funds to the Content creator in the manner described in these Terms. In the event that Monetad via Payment Services Providers does not remit any such amounts to Content creator, the Content creator will have recourse only against Monetad and not the Business directly. In accepting liability as the limited authorized payment collection agent of Content creator, Monetad and its affiliates assume no liability for any acts or omissions of Content creator.

Service fees on Monetad cover administrative costs.

Service fees are added at the time of purchase where you can review and accept the total amount requested to pay. As of April 2025, the service fees for Collabs are 5% of the purchase amount.

In case you, as a Business, have an available Wallet Balance, it will be automatically used to pay for your next purchase.

You may not offer Content creators to pay, or make payment using any method other than through the Monetad. In case you have been asked to use an alternative payment method, please report it immediately to Monetad Support here.

You agree to receive invoices and/or payment receipts from Monetad in electronic form as PDF documents, by email.

To protect against fraud, unauthorized transactions (such as money laundering), claims, or other liabilities, payment information in connection with withdrawals is collected by either Monetad or Monetad's Payment Services Providers. Payment Services Providers may also collect such other information as necessary for the purpose of processing withdrawal payments. Payment information provided to Payment Services Providers is subject to the Payment Service Provider's privacy policy and their terms and conditions.

By using any payment method and/or providing payment details for making purchases on Monetad, you represent and warrant that: (a) you are legally authorized to provide such information; (b) you are legally authorized or have permission to make payments using the payment method(s); (c) if you are an employee or agent of a company or person that owns the payment method, you are authorized by that company or person to use the payment method to make payments on Monetad; and (d) such actions do not violate any applicable law.

Your Wallet Balance is always valued in US$, even if it is displayed in a non-US$ currency. Therefore, should you choose to view your Wallet Balance in any currency other than US$, it may change daily in accordance with exchange rate fluctuations, while always maintaining the same US$ value. Users always have the option to view their Wallet Balance in US$ by changing their selected displayed currency.

Monetad may be required by applicable laws to charge users with indirect taxes (such as Sales Tax, VAT or GST) or to withhold taxes. Any amount Monetad will be required to collect will be in addition to the purchase amount and any other fees payable by the Business, and any amount Monetad will be required to withhold will be deducted from the Content creator's Earnings, as required by applicable laws.

Indirect taxes are in addition to the price shown on the marketplace, and in any event, any such taxes will always be displayed to the Business before payment.

Users are responsible for paying any direct or indirect taxes, including any GST, VAT, or income tax, which may apply to them depending on residency, location or otherwise, under provisions of their jurisdiction.

User Conduct & Protection

• Privacy: User identities and data are handled per Monetad's Privacy Policy. Sharing personal contact details to move a transaction off-platform is prohibited.
• Appropriateness: Communications should remain professional and respectful. Offensive, harassing, or hateful content can lead to account ban or content removal.
• Intellectual Property: Users must ensure they have the necessary rights and licenses to any content they upload or share.
• Multiple Accounts & Abuse: Creating multiple accounts to abuse the system, mislead others, or circumvent restrictions is prohibited and may result in suspension of all related accounts.
• Password Security: Never share your Monetad password with anyone. Sharing login credentials can compromise your account security and may lead to suspension.

Proprietary Restrictions

All site design, layout, text, images, and other components on Monetad are the exclusive property of Monetad and are protected by copyright, trademark, and other intellectual property laws.

Feedback Rights

Any suggestions, ideas, or comments provided by users ("Feedback") become Monetad's property to use without obligation.

Confidentiality

Content creators agree that any confidential information shared by Businesses (and vice versa) will not be disclosed or used outside the scope of fulfilling Collabs.

General Terms

• Account Holds & Disabling: Monetad may place accounts on hold or disable them for breaches of these Terms or other policies.
• Dispute Handling: Disputes are generally resolved via Monetad's resolution tools or Customer Support.
• Changes to Terms: Monetad reserves the right to update these Terms. Continued use of the platform after any update signifies acceptance of the new Terms.
• User-Generated Content: Monetad is not responsible for user-generated content. Users retain responsibility for ensuring they do not infringe others' rights.

Disclaimer of Warranties

Your use of Monetad is at your own risk. The platform and associated services are provided "as is" and "as available" without warranties of any kind, whether express or implied. Some jurisdictions do not allow exclusions of warranties; any such exclusions may not apply to you.

Limitation of Liability

In no event will Monetad (or its affiliates, employees, partners, etc.) be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of the platform. Certain jurisdictions do not permit the exclusion or limitation of liability for certain damages; the scope of this limitation may not apply to you.

Contact Information

For questions regarding these Terms or any related matters, please contact:

Email: support@monetad.com