USER AGREEMENT WITH A CREATOR

Version No. 22
This document was last updated on December 19, 2023.

This User Agreement (the "Agreement") is a legally binding agreement between Smart Glocal Services Limited (the "Company", "we", "our") and You (the "User", "you", "your") that sets out the terms of use for the Company's software and services, collectively referred to as the "Service".

PLEASE READ THIS USER AGREEMENT CAREFULLY. BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD AND FULLY AGREE TO ALL THE TERMS OF THIS AGREEMENT. YOU MAY NOT USE THE SERVICE IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT.

By using the Service, you agree that you have read, understand, and unconditionally accept all the terms of this Agreement. If you do not agree to any provision of this Agreement, or you believe that any provision of this Agreement infringes on your rights, or in any other way puts you at a disadvantage, then you must immediately stop any use of the Service.

We constantly strive to improve our Service by providing you with new features and capabilities, so we may make changes to this Agreement from time to time. If we make changes, we will notify you in any way we can. At the same time, we recommend that you periodically check the date of the last update of this Agreement, indicated at the top of it, and, if it is updated, get acquainted with the new version of the Agreement.

Terms of use of the Service
We grant you a limited, non-exclusive, non-transferable license to access and use the Service. All rights to the Service, including software rights, are the exclusive property of the Company. You agree that you will not copy, transmit, distribute, sell, license, reverse engineer, modify, publish or participate in the transfer or sale, create derivative works based on our Service or its component parts, or otherwise use the software except for the purpose of using the Service.

Eligibility
By using the Service, you confirm that you have reached the required age in accordance with your personal law and that you have all the necessary powers and permissions for such use. If you are prohibited by your personal law from using our Service, you must refuse to use the Service, otherwise, you and only you will be solely responsible for using the Service in violation of the requirements of your personal law.

To start using the Service on behalf of an organization, you must contact our support team via the Service with the appropriate message. By using the Service on behalf of an organization, you represent and warrant that i) you are an authorized representative of such an organization and you have the full legal authority to enter into this Agreement on behalf of such an organization; ii) the organization's personal laws do not prohibit it from using our Service. If you do not have the appropriate authority or the organization is prohibited from using our Service in accordance with its personal laws, then you must refuse to use the Service on behalf of the organization, otherwise you and the organization you represent will be solely responsible for using the Service in violation of the requirements of your personal law.

Registration in the Service
To start using the Service, you must complete the registration process. You must provide all the information requested by the Company, as well as confirm your acceptance of the terms of this Agreement. You understand and agree that we may, in our sole discretion, refuse to register you without giving any reason for such refusal.

By completing the registration process, you confirm that the information you provide is yours, accurate and reliable, and you agree to keep it up-to-date and update it if any information changes. When entering legal relations with you, the Company relies on the accuracy of the information provided by you.

We may check the information you provide from time to time. You hereby authorize us, directly or through third parties, to make any requests that we deem reasonably necessary to verify your identity and the information you provide, and to take any actions based on the results of such requests that we deem reasonably necessary to protect us and other Users from fraud.

You are responsible for ensuring that your credentials are properly secured. Loss or compromise of your credentials or your personal information may result in unauthorized access to your account by third parties, which may result in the loss or theft of your information, including related Bank accounts and credit cards. If you believe that your account has been compromised, please contact our support team immediately via the Service.

Your role in the Service
All users of the Service are divided into two groups: Creators and Followers. By accepting the terms of this Agreement, you start using the Service as a Creator. However, this does not prevent you from also using the Service as a Follower by entering into a corresponding agreement with the Company.

Creators are users of the Service who create digital content. The Service provides Creators with the opportunity to sell access to their digital content to Followers, as well as to accept financial support from Followers in the form of a gratuitous gift of funds.

Creators' digital content
You represent and warrant that you are a creator (author) of digital content and/or have the appropriate rights to publish digital content.

You also confirm and guarantee that the digital content: i) does not violate the terms of Service; ii) does not violate applicable laws, the personal laws of a Follower and/or a Creator; iii) does not violate the rights of third parties (copyright, exclusive rights, rights to means of individualization, etc.); iv) does not discriminate on the basis of gender, sexual orientation, race, color, nationality, language, origin, attitude to religion or other beliefs; v) does not contain propaganda of certain political beliefs, as well as negative or critical statements about politics; vi) does not call for violence, extremist activities, overthrow of the existing government or other establishments, the use or distribution of narcotic and psychotropic substances and other activities prohibited by applicable law; vii) does not have a slanderous, insulting or discrediting character; viii) does not intended to arouse sexual feelings or justify sexual behavior towards underage human children.

We reserve the right to check the digital content of the Creator for its compliance with this Agreement. We reserve the right to terminate any use of the Service by you without prior notice if we determine that your digital content violates the terms of this Agreement.

Relationship between Creator and Follower
Selling access to digital content to a Follower, as well as accepting funds from a Follower by a Creator is a deal. All deals are made directly between a Creator and a Follower. Creators and Followers independently determine the terms and conditions of the deal, how the deal will be executed, and how the deal will be changed and terminated. Before entering the deal, you must ensure that it is legal and meets the requirements of your personal law.

In the case of a change in an already concluded deal (change of a condition, a party to an obligation, etc.), you confirm that such changes are legal and made in accordance with the requirements of your personal law. If you do not agree with the contents of the deal or any changes made to it, you must repudiate the deal yourself and terminate it in accordance with the terms of the deal and applicable law.

PLEASE NOTE! The Company does not participate in deals between Creators and Followers, does not determine their terms, does not monitor their proper execution, and is not responsible for their legality for both a Creator and a Follower. By using the Service, you confirm that you and only you are solely responsible for the legality and acceptability of your deal.

At the same time, we reserve the right to verify the reality of the deals concluded between you and a Follower, including to demand the provision of the terms of the concluded deals, as well as to confirm the fact of the provision of execution for these deals. If you are unable to confirm the reality of the deals you have made, we will consider your use of the Service as fraudulent.

Cost of access to digital content
You independently set the cost of access to your digital content. You can set the cost of access depending on the amount of access provided (for example: part of digital content or all digital content), the period of access (for example: 1 view - "rental", "1 week", "1 month", "1 year", "forever"), the frequency of payment (for example: "one-time payment", "regular payment"), etc.

The minimum cost of access to digital content that can be sold through the Service is 1 EUR (if the cost is lower than this amount, the commission of payment providers will eat up all the money, and you will not receive anything). The maximum cost of access to digital content that can be sold through the Service is 1 000 EUR¹.

Appointment of the Company
By joining this agreement, you appoint the Company as your agent for collecting funds and instruct us to perform all necessary actions to collect funds received from Followers to a Creator. Acting as your agent, we will act on our own behalf, but in any case, in your best interests.

Obligations of the Company
The Company undertakes, on its own behalf, to i) organize the collection of funds received from Followers to a Creator, and ii) transfer all collected funds to a Creator in accordance with the terms of this Agreement.

Remuneration of the Company
The Company's remuneration for the provision of Services under this Agreement is calculated as 5% of the amount of funds collected by the Company for a Creator.

We will deduct our remuneration from the amount of each payment we collect for you. The remuneration is calculated on the total amount of the payment, before deducting the fees of any payment providers.

We reserve the right to change the amount of our remuneration for individual Authors on the terms specified in special agreements.

Payment providers' fee
To organize the collection of funds and their subsequent transfer to a Creator, the Company seeks to conclude contracts with various payment providers that provide convenient and secure payment methods. The Company enters these contracts on its own behalf, and therefore the Company is fully responsible for the execution of these contracts, including payment processing, refunds, chargeback and fraud.

A Creator undertakes to compensate the Company for expenses incurred by the Company in connection with the execution of contracts with payment providers (fee of payment providers, refunds, chargeback and fraud), and therefore instructs the Company to deduct such expenses from the amount of funds to be transferred to a Creator.

The cost of processing by the Company of one chargeback message in relation to the funds collected by the Company for you is 35 EUR. We will deduct this cost from the amount of funds to be transferred to you.

The amount of fee for payment providers that accept funds from Followers is 2,5% but not less than 0.08 EUR.

The amount of fee for payment providers that withdrawal funds to a Creator is:
Payment method → Fee

• transfer to a bank card → 2% plus 0,5 EUR
• transfer to a bank account → 15 EUR²

Payment instruction
The Company transfers funds to a Creator in accordance with the Payment instructions received from a Creator. When registering in the Service, a Creator must choose the payment method by which they want to receive funds from the Company, choose one of the supported payment currencies, and provide the Company with valid payment details to which the funds should be transferred.

If the payment currency chosen by a Creator differs from the currency of the funds collected by the Company on behalf of a Creator, the Company converts the funds in accordance with the conversion rate of the payment method chosen by a Creator.

If the payment method chosen by a Creator does not allow the transfer of all funds due to a Creator in one payment, the Company has the right, at its sole discretion, i) to transfer funds to a Creator in several payments in the maximum amounts possible for the payment method chosen by a Creator, during any amount of time necessary for the transfer of the entire amount of funds due to a Creator or ii) suspend payments and require the Creator to change the previously selected payment method.

Transfer of funds
The Company transfers to the Creator all the funds collected by the Company twice a month: i) the funds collected from the 1st to 15th day of the month will be transferred on 25th day (or on the nearest business day) of the month; ii) the funds collected from the 16th to 31st day of the month will be transferred on 10th day (or on the nearest business day) of the next month.

The Company transfers to the Creator all the funds collected by the Company if the total amount of funds for withdrawal to a bank card is equal to or exceeds 100 EUR and for withdrawal to a bank account is equal to or exceeds 100 EUR .

A Creator understands and agrees that the Company's obligation to transfer the collected funds to a Creator arises only if the Company actually receives funds from Followers.

The Company undertakes notifying a Creator if it is impossible to transfer funds to a Creator due to the invalidity of the payment details provided by a Creator. In this case a Creator is obliged to provide the Company with new, valid payment details. The Company has the right to suspend the transfer of funds to a Creator until new, valid payment details are received from a Creator.

Disputes of payments by Followers
By using the Service, you understand and agree that Followers may dispute any payment made to you regardless of the actual execution of the deal you entered with them. This right is given to them by international payment systems.

If the amount or number of disputed payments of Followers does not exceed 20% of the total amount and/or number of payments collected by the Company for a Creator in the relevant month, the Company has the right to refuse to transfer the disputed payments to the Creator until it receives a decision on these disputed payments is received.

If the amount or number of disputed payments of Followers exceeds 20% of the total amount and/or number of payments collected by the Company for a Creator in the relevant month, the Company has the right to refuse to transfer all the collected funds to the Creator until it receives a decision on all disputed payments.

Refusal to transfer funds
The Company has the right to unilaterally suspend any transfer of funds to a Creator or completely refuse to transfer all collected funds to a Creator if: i) a Creator violates the terms of the Agreement; ii) there are grounds to suspect a Creator of fraudulent or illegal activities; iii) a Creator has provided the Company with false information about themself and their activities, or could not confirm the accuracy of the information provided; iv) the Company has received a corresponding request from payment providers, payment systems or competent government authorities; v) the transfer of funds violates the requirements of applicable law, including those on countering the legalization (laundering) of proceeds from crime, the financing of terrorism, as well as international sanctions; vi) in other cases provided for in this Agreement.

In this case, the Company may, at its sole discretion, either return the funds to Followers, or withhold all collected funds as a penalty for violating the terms of this Agreement.

Prohibited use
We strive to ensure that the Service is convenient and used by as many Users as possible, but there are areas of the possible use of the Service in which we would not want to participate for moral, ethical or other reasons.

We strictly prohibit using the Service to buy, sell, distribute, or pay for:
Any criminal activity:

• Incitement, solicitation or promotion of Hate/Violence/Racism/Religious persecution;
• Encouragement, promotion, facilitation or instructing others to engage in illegal activity, fraud or the sale of dangerous or hazardous goods;
• Encouragement, promotion and sale of prohibited goods and services:

- Drugs / Illicit substances, steroids etc, and related drug paraphernalia;
- Weapons, firearms and ammunition;
- Cigarettes and any tobacco products;
- Medications, dietary supplements;
- Government ID’s or documents;
- Stolen goods including digital and virtual goods;
- Calling cards;
- Fraudulent / deceptive marketing practices;
- High Risk File hosting / sharing and cyberlockers;

Any form of high yield financial investments and get rich quick schemes:

• Pyramid or Ponzi schemes, matrix programs;
• Online trading services;
• Gambling business (casinos), betting, wagering on the Internet;
• Penny and Reverse Auctions.

Any form of violation of intellectual property rights

• Infringe any duly registered copyrights/trademarks or other violation of intellectual property rights;
• Distribution of music, video, software and other products with no license issued by the copyright holder / authorized organization;
• Distribution of counterfeits, distribution of products without any certificates;

Any other goods that are prohibited or restricted by applicable law and/or the personal law of a Creator or Follower.

We reserve the right to monitor and analyze any information we receive from you at any time to identify the prohibited use of the Service. We reserve the right to terminate any use of the Service by you without notice if we determine that your use of the Service is related to prohibited use.

Special features
In addition to the general features of using the Service, the Company may provide you with special features that will allow you to make the use of the Service more convenient.

You can use the Service to create paid content in Telegram. The Service will provide you with the opportunity to upload your digital content to Telegram, set a price for viewing it, and also administer Followers' access to this digital content. Currently, the Company does not take any remuneration from a Creator for the provision of such special feature. However, we reserve the right to impose a fee for this special feature at any time. In this case, we will make changes to this Agreement and notify you in any way we can.

The Service gives you the opportunity to use your personal account, where you can find information about the amount of money collected by the Company, payment statistics and other information that will help make your user experience more convenient.

As other special features, the Company may provide you with a personal manager in support team, priority message processing, consultations on setting up the Service and providing detailed statistics on the use of the Service can be provided. You can find out the possibility, conditions, and cost of enabling special features by contacting our support team via the Service.

Suspension and termination of registration
You understand and agree that the Company has the right at any time in its sole discretion to suspend or terminate your registration in the Service if we reasonably believe that you are violating the terms of this Agreement. We will notify you of our actions unless a government order or court order prohibits us from providing you with such notification.

You acknowledge that the Company's decision to suspend or terminate your registration may be based on confidential criteria that are necessary for the Company's risk management and security protocols. You agree that the Company is not obligated to disclose to you the details of risk management and security procedures.

You can terminate your registration in the Service at any time by writing a corresponding message to our support team via the Service. If the Company does not have funds to be transferred to you, then your registration will be terminated within 5 business days from the date we receive this message. If the Company has funds to be transferred to you, then your registration will be terminated after the next date for the transfers of funds.

Please note that if the Company has funds to be transferred to you, but their amount does not cover the Company's costs of transferring them to you, you may, at your discretion: i) wait for the moment when the amount of funds collected by the Company is sufficient to make the transfer - in this case, your registration will be terminated after the next date for the transfers of funds; or ii) send a message to the Company stating that you are leaving these funds for the benefit of the Company - in this case your registration will be terminated within 5 business days from the date we receive this message.

You understand and agree that in order to fulfill our obligations to payment providers and government agencies, we have the right to store information about your registration and use of the Service for a period of 5 (five) years from the date of termination of your registration.

Inactive Creator
Creator inactive is a status that we assign to a Creator in the following cases: i) a Creator has not used the Service within the last 90 (ninety) consecutive calendar days; and/or ii) a Creator within 30 (thirty) calendar days from the date of the relevant request has not provided new, valid payment details; and/or iii) Creator within 10 (ten) calendar days from the date of the relevant request has not provided the Company tax information; and/or iv) the information provided by a Creator during registration has not been verified in accordance with the Company's internal procedures.

If a Creator is assigned the status of "inactive Creator", the Company suspends the registration of such Creator in the Service, stops collecting funds to such Creator, as well as any transfer of funds to such Creator.

If the Company does not have funds to be transferred to a Creator, the Company has the right to terminate a Creator's registration in the Service after 30 (thirty) calendar days from the date when a Creator was assigned the "inactive Creator" status.

If the Company has funds to be transferred to a Creator, the Company has the right to charge and withhold from a Creator a penalty of 1% (one percent), but in any case at least 1 EUR, of the amount of funds to be transferred to a Creator, for each calendar day of suspension of registration. The Company terminates registration of a Creator in the Service at the moment when the amount of money to be transferred to a Creator is zero.

Taxes
Generally, the Company does not carry out the calculation, withholding and payment of taxes. At the same time, the Company reserves the right to deduct and withhold from the funds to be transferred to a Creator the amount of any taxes, if such an obligation is imposed on the Company in accordance with applicable law. The Company has the right to request any tax information it needs from a Creator, and a Creator undertakes to provide it within 2 (two) calendar days from the date of receipt of the corresponding request.

As is
The Service is provided on an "as is" basis. The Company does not provide any express or implied warranties with respect to the Service, including, but not limited to, guarantees that: the Service and its functionality meet your requirements and/or expectations, the use of the Service will increase your profit, the Service will operate continuously, quickly, reliably and without errors; the results that can be obtained using the Service will be accurate and error-free; all errors in the Service will be corrected immediately.

We make commercially reasonable efforts to ensure the operation of the Service around the clock, but we cannot guarantee that there will be no interruptions due to technical failures, or maintenance work, and we cannot guarantee the full and error-free operation of the Service.

Since the Service is at the stage of constant addition and updating of functionality, the form and nature of products and features provided may change from time to time without prior notice to the User.

LIMITATION OF LIABILITY
YOU CLEARLY UNDERSTAND AND AGREE THAT THE COMPANY AND ITS RESPECTIVE OFFICERS (EMPLOYEES AND REPRESENTATIVES) WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY DAMAGES OR LOST PROFITS THAT RESULT FROM THE USE OR INABILITY TO USE THE SERVICE. YOU UNDERSTAND AND AGREE THAT UNDER ANY CIRCUMSTANCES, THE COMPANY'S LIABILITY TO YOU WILL BE LIMITED TO THE AMOUNT OF 50 EUR AND CAN ONLY BE IMPOSED ON THE COMPANY ON THE BASIS OF AN EFFECTIVE COURT DECISION.

Indemnification
You agree to indemnify, defend, and hold harmless the Company and its representatives (directors and employees) from any claims, liabilities, damages, judgments, costs, expenses, or fees (including reasonable attorneys' fees) arising out of your use of the Service, including your violation of this Agreement.

Force majeure
The Company is released from liability for partial or complete failure to fulfill its obligations under this Agreement in the event of force majeure, i.e. circumstances of an extraordinary and unforeseen nature, beyond the control of the Company, such as: war (local, international, unjust and just), sudden and/or planned military attack by an enemy nation, army (regardless of whether war is declared or not), invasion (including alien, but still unrighteous); civil war, unrest and riots, strikes; a military coup; a flood, earthquake, fire, hurricane, tornado, lightning strike, landslide or other natural disasters of local, national or international scale; an epidemic or pandemic, including as a result of unsuccessful culinary experiments; an accident; stupidity or carelessness of the Parties; death (including individual or group suicide) of specialists of the parties; the collapse of the economic and financial system of the world or local scale; total and comprehensive apocalypse or other manifestation of the end of the world.

Survival
If any provision of this Agreement is found to be invalid or unenforceable under applicable law, such provision will be modified and interpreted to achieve the purposes of the provision to the greatest extent possible, and the validity and applicability of any other provision of this Agreement will not be affected.

Third-party services
The Service may contain references or links to third-party services or resources, including information, materials, products, that we do not own or control. These services are provided by third parties and their use is governed by separate agreements. Any use of third-party services is at your own risk, and we do not accept any responsibility for the consequences of such use.

External links
The Service may contain links to third-party websites that we are not owned or controlled. These links are placed in the Service solely for your convenience and any use of these links should be carried out by you at your own risk.

You should understand that the placement of such links in the Service does not mean that we know the content and approves the content posted on such links. We disclaim any liability in relation to your use of such links.

Use of your name or content
By using the Service, you grant us the non-exclusive right to use, free of charge, your name (pseudonym) and legally owned digital content for the purpose of using them in our advertising and marketing materials, including both within the framework of the Service and by bringing such advertising and marketing materials to the public. This non-exclusive right is granted for the entire period of your use of the Service and extends its effect on the territory of countries around the world.

The termination of your use of the Service and/or the validity period of the non-exclusive right does not entail the need to withdraw from circulation our advertising or marketing materials created using your digital content.

Novation and Assignment
You agree and acknowledge that the Company may assign, novate, transfer, mortgage, charge, sub-contract, declare a trust over and/or deal in any other manner with any and all of its rights and obligations under this Agreement (or any other document referred to in it) to any third party without your prior written consent or prior notice to you. The Company will notify you on any assignment, novation, transfer, mortgage, charge, sub-contract, trust or other dealings as soon as practicable following such events. You further agree that your: a) continuation to use the Services, and b) actions, behavior and other circumstances during the provision of the Services following the corresponding notice will constitute your implied consent to and you will be bound by such assignment, novation, transfer, mortgage, charge, sub-contract, trust or other dealings.

Applicable law
This Agreement is governed by the applicable laws of Hong Kong. All and any disputes under this Agreement shall be settled exclusively in the courts of Hong Kong.

Privacy
The collection, processing and use of personal data provided by you in connection with the use of the Service are carried out by the Company in accordance with the Privacy policy.

Notifications
The Company and the User hereby agree that any emails, notifications, requests, and documents transmitted to each other through the Service will be considered properly sent and received.

Contact us
If you have any suggestions, feedback, questions or complaints, you can send a corresponding message to our support team via the Service. Please include your name and any other information that will help us identify you in our Service.

Company information
Smart Glocal Services Limited
Registration number: 2952290
Address: Room B2, Unit C, 1/F, Freder Centre, 68 Sung Wong Toi Road, Kowloon, Hong Kong SAR
Kowloon Central Post Office Box 70322, Hong Kong

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¹ The minimum amounts for other currencies can be found in the Service FAQ
² The amount of fee for payment providers in other currencies can be found in the Service FAQ
³ Minimum values for other currencies can be found in the Service FAQ