Terms of Service

Effective Date: April 6, 2026

These Terms of Service ("Terms") govern your use of the Splurge Bio platform ("Splurge," "we," "our," or "us"), operated by Splurge Tech LLC, a Nevada limited liability company. By accessing or using splurge.bio, you agree to be bound by these Terms. If you do not agree, do not use the platform.

1. Eligibility

You must be at least 18 years of age to use Splurge Bio. By using the platform, you represent and warrant that you are 18 or older. We do not knowingly permit persons under 18 to create accounts or use our services. If we discover a user is under 18, we will terminate their account immediately.

2. Accounts

2.1 Registration

To create a creator account, you must sign in through our authentication provider (Clerk). You agree to provide accurate information and keep your account credentials secure. You are responsible for all activity that occurs under your account.

2.2 Usernames

Usernames are claimed on a first-come, first-served basis. Splurge Tech LLC reserves the right to reclaim, reassign, or retire any username at any time and for any reason, including but not limited to inactivity, policy violations, or platform needs. A username does not constitute property or a contractual entitlement.

2.3 Account Deletion

You may delete your account at any time through your dashboard settings. Account deletion will be blocked if you have a positive tip balance that has not been withdrawn. Upon deletion, your profile, links, and content will be permanently removed.

3. The Platform

Splurge Bio provides creators with a public profile page at splurge.bio/@username. Creators may add links, content blocks, and a tip button. Fans may tip creators through the embedded checkout. Splurge is a link-in-bio and creator monetization tool — it is not a bank, financial institution, or payment processor.

4. Tips and Payments

4.1 No Expectation of Return

Tips sent through Splurge Bio are voluntary gratuities. Fans who tip creators have no expectation of receiving any goods, services, content, or other value in return. Tips are not purchases. Creators are not obligated to provide anything in exchange for a tip.

4.2 Platform Fee

Splurge charges a platform fee on top of each tip, paid by the fan at the time of checkout. The fee is calculated as follows:

• Tips under $50: 18% of the tip amount plus $0.49
• Tips of $50 or more: 14% of the tip amount plus $0.49

An optional Flex Tip add-on of $4.99 may be selected by the fan at checkout.

4.3 Creator Payouts

Creators receive the nominal tip amount transferred to their connected Whop account. Creators must complete identity verification (KYC) through Whop to receive payouts. Splurge does not hold or custody creator funds — transfers are processed through Whop's infrastructure.

4.4 No Refunds

All tips are final and non-refundable. Once a tip is submitted and payment is confirmed, no refunds will be issued under any circumstances. By tipping, fans acknowledge and accept this policy.

4.5 Tip Limits

Tips are limited to a minimum of $5 and a maximum of $500 per transaction, as enforced by the platform.

4.6 Currencies

Tip checkout is currently processed in USD only. Creators may connect payout methods in supported local currencies through Whop.

5. Splurge Pass

Splurge Pass is an optional paid subscription offering pro features including analytics, custom domains, removal of Splurge branding, and other features as made available. Pricing is displayed at checkout and is subject to change with 30 days' notice. Splurge Pass subscriptions are non-refundable. If your account is suspended or terminated for a policy violation, your Splurge Pass subscription will be cancelled immediately and you will forfeit any remaining paid period with no refund.

6. Splurge Branding

Free-tier creator profiles may display Splurge branding, including the Splurge name, logo, and promotional links. Creators on Splurge Pass or qualifying partner plans may remove this branding. By using the free tier, you grant Splurge Tech LLC the right to display our branding on your public profile page.

7. Content and Conduct

7.1 Your Content

You retain ownership of content you post to Splurge Bio. By posting content, you grant Splurge Tech LLC a non-exclusive, worldwide, royalty-free license to host, display, distribute, and reproduce that content solely as necessary to operate and provide the platform.

7.2 Prohibited Content

The following content is strictly prohibited on Splurge Bio:

• Nudity, sexually explicit material, pornography, or adult content of any kind
• Harassment, bullying, threats, or targeted abuse of any individual
• Hate speech based on race, ethnicity, religion, gender, sexual orientation, disability, or national origin
• Content that promotes or depicts violence, self-harm, or harm to others
• Fraud, scams, impersonation, or deceptive practices
• Content that violates the intellectual property rights of others
• Spam, unsolicited promotions, or malicious links
• Any content that violates applicable law

7.3 Enforcement

Splurge Tech LLC reserves the right to remove any content and suspend or terminate any account at our sole discretion, without notice and without providing a reason. Moderation decisions are final. Banned users forfeit any remaining Splurge Pass subscription days and any unpaid affiliate commissions.

8. Affiliate / Partner Program

The Splurge Partner program allows approved users to earn commissions on fees generated by creators they refer. Participation is subject to approval and the following terms:

• Partners earn 20% of qualifying platform fees generated by referred creators
• Partners earn a flat $1.00 per Flex Tip add-on from referred creators
• Commissions are typically processed weekly but may take up to 30 days or at Splurge's discretion
• Partners must have a connected Whop account to receive commissions
• A minimum of $10 in net commissions is required per payout
• Creators and partners may be the same person
• Terminated or suspended partners forfeit all unpaid commissions
• Splurge reserves the right to modify, suspend, or terminate the partner program at any time

Tips are not refundable, but in the event of an administrative reversal, corresponding affiliate commissions may be clawed back.

9. Third-Party Services

Splurge Bio integrates with third-party services including Clerk (authentication), Whop (payments and payouts), Resend (email), UploadThing (image hosting), and PostHog (analytics). Your use of these services is subject to their respective terms and privacy policies. We are not responsible for the actions or policies of these third parties.

10. Intellectual Property

All Splurge Bio trademarks, logos, product names, and platform design are the property of Splurge Tech LLC. You may not use our branding without prior written permission. Nothing in these Terms grants you any right to use our intellectual property.

11. Disclaimers

Splurge Bio is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the platform will be uninterrupted, error-free, or secure. We expressly disclaim any warranties of merchantability, fitness for a particular purpose, or non-infringement.

12. Limitation of Liability

To the maximum extent permitted by law, Splurge Tech LLC and its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the platform, even if advised of the possibility of such damages. Our total liability to you for any claim shall not exceed the greater of $100 or the total fees you paid to us in the 12 months preceding the claim.

13. Indemnification

You agree to indemnify and hold harmless Splurge Tech LLC and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising out of your use of the platform, your content, or your violation of these Terms.

14. Dispute Resolution and Arbitration

14.1 Informal Resolution

Before initiating any formal dispute, you agree to contact us at support@splurge.bio and attempt to resolve the dispute informally for at least 30 days.

14.2 Binding Arbitration

If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or your use of Splurge Bio shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. Arbitration shall take place in Nevada. The arbitrator's decision shall be final and binding.

14.3 Class Action Waiver

YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION AGAINST SPLURGE TECH LLC. All disputes must be brought in your individual capacity only.

14.4 Exceptions

Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm while arbitration proceedings are pending.

15. Governing Law

These Terms are governed by the laws of the State of Nevada, without regard to conflict of law principles. Subject to the arbitration clause above, any legal action shall be brought in the courts of Nevada.

16. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will notify you at least 30 days in advance via email or a prominent notice on the platform. Continued use of Splurge Bio after the effective date of updated Terms constitutes your acceptance of those changes.

17. Contact

For questions about these Terms, contact us at: support@splurge.bio