Creator Terms
1. Purpose
These Creator Terms set out the rights and obligations of the operator and a creator who opens a channel and sells paid subscriptions on this service.
Anything not covered here follows the Terms of Service and the Community Policy.
2. Definitions
- Operator: the business that builds and runs this service. Its details appear at the end of this document.
- Creator: the person or business that passes the operator's review, opens a channel, writes posts and sells paid subscriptions. The same as the author (seller) in the Terms of Service.
- Reader: a member who reads or subscribes to a channel.
- Channel, paid subscription and paid content: as defined in the Terms of Service.
3. Formation of the agreement
The agreement is formed and the channel opens when the operator approves the creator application and the creator accepts these Terms in the studio.
We record the time of acceptance, the version of these Terms and the IP address as evidence of the agreement.
Each creator can open one channel.
4. What the operator provides
- The studio for writing and publishing posts, channel pages and statistics
- Reader sign-up and login, the plans page and the PayPal checkout connection
- Access checks and delivery of paid content
- Notices sent to readers (subscription started, payment failed, annual renewal reminder)
- Intake of reports and reader inquiries
The operator does not write or edit posts and does not give investment advice.
5. Seller and payments
The seller of a paid subscription and the party to the contract with the reader is the creator. The operator is not the seller and does not receive or distribute subscription fees.
Subscription fees go directly to a PayPal business account in the creator's own name. The creator opens and manages the account and follows PayPal's terms and acceptable use policy.
Paid sales start after the PayPal account is connected. The operator will explain how to connect it separately.
Plans are monthly and annual, priced in US dollars. To change a price, the creator requests it in the studio and the operator approves it. A new price applies to new subscribers, and raising the price for existing subscribers requires their explicit consent under the Terms of Service.
As the seller, the creator handles sales reporting and taxes. Neither PayPal nor the operator handles taxes on the creator's behalf.
6. Platform fee
The operator may charge a platform fee for the service, billed separately from subscription fees. It is not deducted from subscription fees.
The operator will announce the amount, calculation and billing cycle at least 30 days before they take effect, and will charge the fee only after the creator agrees to it separately.
If the creator does not agree, no fee is charged. In that case either party may end the agreement under Section 13.
7. Reader refunds and disputes
The creator honors the refund rules that the Terms of Service and the Refund Policy promise readers. These include a full refund within 7 days of payment (14 days in the EU and UK) if no paid post has been opened, and the same rule for renewal payments.
The operator receives refund requests and passes them to the creator. Whether a request meets the rules is checked against the server's record of opened paid posts.
When the creator receives a request that meets the rules, the creator refunds it from their own PayPal account within 3 business days.
The creator responds to and handles PayPal disputes and payment reversals in PayPal. On request, the operator provides supporting records such as reading history.
Refunds, reversals and dispute outcomes reach the service through PayPal notifications and are reflected in readers' access.
If the creator does not process refunds that meet the rules, the operator may stop new subscription sales for that channel.
8. Posts and responsibility
The creator is responsible for the content of posts, images and files.
The creator only uploads posts they wrote or have the right to use, and does not upload the following.
- Posts that infringe others' copyright, portrait rights or personal information
- Posts that break the law, false statements, defamation or hate speech
- Posts that guarantee returns or promise to cover losses
If a reader or anyone else makes a claim against the operator because of the creator's posts, the creator is responsible and compensates the operator for its losses, except for any part caused by the operator's intent or negligence.
9. License to use posts
The creator keeps the copyright in their posts.
During the agreement, the creator allows the operator to store, copy, transmit and display posts to the extent needed to provide the service.
- Making free posts, previews above the paywall divider, titles, summaries and cover images public and visible to search engines
- Showing titles, summaries and cover images on the platform home and channel lists
- Delivering paid content only to readers whose access has been checked
- Technical copies needed for operation, such as backups and resizing images for screens
The operator does not sell posts, republish them elsewhere or use them for AI training beyond this scope.
After the agreement ends, this permission continues to the extent needed under Section 13 to show posts to readers whose paid period remains and to keep records.
10. Investment and personal finance channels
- A channel that provides investment decision information for a fee must keep its similar investment adviser report or investment adviser registration, and the creator is the party to it.
- The operator checks the report or registration and shows it on the channel. When it expires, new subscription payments and new paid posts stop. If it has been renewed, send the new documents through the contact form.
- Channels reported as similar investment advisers cannot use comments, replies or secret comments.
- The creator does not engage in business beyond the report's scope or prohibited by law, such as individual consultations, one-on-one advice, real-time exchanges with members, or guaranteeing returns or covering losses.
- A market commentary or education channel does not give individual investment advice, as pledged in its application.
11. Subscriber information
In the studio, the creator can see subscribers' display names, countries, plans and subscription status and the channel's comments. In their PayPal account, the creator can see payers' names and emails.
- The creator uses this information only for managing subscriptions, answering readers and handling taxes, and does not give it to others.
- The creator does not send advertising emails or messages without the reader's consent.
- The creator deletes it once the retention period required by law has passed.
- If the information is leaked or may have been, the creator tells the operator right away.
12. Actions by the operator
If the creator breaks the law, these Terms, the Terms of Service or the Community Policy, the operator may take the following actions depending on the severity.
- Making posts private or hiding comments
- Stopping new subscription sales
- Suspending the channel
- Ending the agreement
The operator tells the creator the reason for any action. If there is a serious risk of a legal violation or harm to readers, the operator may act first and notify right away.
The creator can object through the contact form, and the operator emails the result of its review within 3 business days.
13. Term and termination
The agreement continues until either party ends it.
The creator can end it by giving 30 days' notice through the contact form. The operator can end it with 30 days' notice if it closes the service or a reason in Section 6 or 12 applies. It can end the agreement immediately if the creator has broken the law or caused serious harm to readers.
When the agreement ends, new subscription sales stop and ongoing subscriptions are cancelled so they are not charged again.
Readers who have already paid can keep reading until the end of their paid period. If that isn't possible, the creator refunds the remaining period pro rata.
After that, the channel and posts are no longer shown to readers. However, reading records and any post that has been read at least once are kept for the legally required retention period as evidence for settlement and disputes.
Responsibilities for refunds, disputes and taxes that already arose, the responsibility in Section 8 and the obligations in Section 11 survive the end of the agreement.
14. Changes to these Terms
We announce changes in the studio and by email to your account address at least 7 days before they take effect. Changes unfavorable to creators are announced at least 30 days ahead.
We ask for acceptance of the changed Terms again in the studio. If the creator does not agree, they can end the agreement before the changes take effect.
15. Limitation of liability
The operator is not liable for lost sales while the service is briefly down for maintenance or outages, or for losses from causes beyond its control such as PayPal account limitations or held funds, unless the operator acted intentionally or with gross negligence.
The operator does not guarantee sales results or subscriber numbers.
16. Governing law and disputes
These Terms are governed by the laws of the Republic of Korea, and disputes are heard by the court determined under the relevant laws.
If language versions differ in meaning, the Korean version prevails.