Terms of Service

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, by creating an account, or by sending a tip, gift, or subscription payment, you agree to be bound by these Terms. If you do not agree, do not use the platform.

These Terms contain a binding arbitration clause and a class action waiver that affect your legal rights. Please read section 16 carefully — it includes instructions on how to opt out of arbitration.

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. Fans do not need an account to send a tip, buy a gift, or start a subscription.

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 Account deletion will be blocked if you have a positive balance that has not been withdrawn. Upon deletion, your profile, links, and content are permanently removed from the platform.

Transaction records — tips, gifts, subscription payments, payouts, and the fees on each — are retained after deletion for the period described in our Privacy Policy, because we are required to keep financial records. These retained records are not displayed publicly and are not used to re-create your profile.

3. The Platform

Splurge Bio provides creators with a public profile page at splurge.bio/username. Creators may add links, content blocks, gift items, and a tip button, and may offer a subscription billed weekly. Fans may support creators through the embedded checkout.

Splurge is a link-in-bio and creator monetization tool. We are not a bank or a money transmitter, and we do not hold deposits. Payments are processed by Stripe. Charges settle on the Splurge platform account and the creator's portion is transferred to their connected Stripe account, as described in section 4.

Splurge does not create, review in advance, or guarantee anything a creator offers. The arrangement is between the fan and the creator.

4. Tips, Gifts, and Subscriptions

4.1 What Fans Receive

Splurge supports three ways for a fan to pay a creator, each with its own deliverable:

• Tips. A fan chooses an amount and sends it to a creator. The fan may attach a display name and a message, which the creator sees and which may appear in the creator's public Recent Tips list.
• Flex Tip. An optional paid add-on at checkout that gives the fan an animated, icon-badged row in the creator's public Recent Tips list. This is a feature Splurge provides and is separate from the amount the creator receives.
• Gifts. A creator may list specific gift items at set prices. A fan who buys one is paying for the item as the creator has described it on their page.
• Subscriptions. A fan may subscribe to a creator on a recurring weekly basis in exchange for whatever ongoing access or recognition that creator describes.

What a creator offers, describes, or delivers is the creator's responsibility, not ours. Creators must describe their gifts and subscriptions accurately — misrepresenting what a fan will receive violates our Community Standards and may result in removal from the platform. Beyond the platform features described above, Splurge does not guarantee that any creator will provide any particular thing in return.

4.2 Amounts

Tips, gifts, and subscription prices are subject to per-transaction minimums and maximums that vary by currency. In USD, tips are limited to $5.00–$1,000.00, gift prices to $5.00–$1,000.00, and subscription prices to $10.00–$500.00 per week. The full table is in section 4.4. These limits are enforced at checkout and we may change them at any time.

4.3 Platform Fee

Splurge charges a platform fee on top of the creator's amount, paid by the fan at checkout. The creator receives the full amount they set — the fee does not come out of it. The fee is 16% of the amount plus a flat fee, dropping to 12% plus the flat fee at or above a per-currency boundary. At or above a second, higher boundary the flat fee is higher. Both boundaries and flat fees for each currency are in section 4.4.

The exact total, including all fees, is shown before you confirm any payment. The Flex Tip add-on, where selected, is charged in addition and is retained entirely by Splurge.

4.4 Currencies, Fees, and Limits

Checkout is processed in the creator's currency, which is fixed by the country of their connected Stripe account. Fees and limits are set per currency and are not currency conversions of one another:

We may add, remove, or reprice currencies. The figures shown at checkout at the time of your payment are the ones that apply.

4.5 Subscriptions and Automatic Renewal

Fan subscriptions renew automatically every week and will continue to charge your payment method every week until you cancel. The price is shown at checkout before you confirm and does not change unless the creator changes it, in which case you will be notified in advance and may cancel before the new price takes effect.

How to cancel. You may cancel at any time, effective at the end of the current billing week, by visiting splurge.bio/manage and entering the email address you used at checkout. We will email you a secure link to cancel or to update your card. You do not need an account and you do not need to contact support. Cancelling stops future charges; it does not refund weeks already billed, except as described in section 4.6.

We send a receipt for every subscription charge to the email address you provide at checkout. Keep that address current — it is how you receive receipts and how you regain access to cancellation.

4.6 Refunds

Tips, gifts, and subscription payments are generally final, because the creator's portion is transferred to them promptly. However, Splurge may issue a refund at its discretion, and we will refund in the following circumstances:

• The charge was unauthorized, fraudulent, or made without the cardholder's consent
• You were charged in error, charged twice, or charged after cancelling a subscription
• A gift item was not delivered as the creator described it, where the creator does not resolve it directly
• The creator's account was removed for a policy violation affecting your purchase
• A refund is required by applicable law, including consumer withdrawal rights where they apply

To request a refund, email support@splurge.bio with the email address used at checkout and the approximate date and amount. We aim to respond within five business days. Requesting a refund from us is faster than a bank dispute and does not affect your right to contact your bank.

Splurge Pass subscriptions may be cancelled at any time and stop at the end of the current billing period; we do not prorate partial periods.

4.7 Chargebacks and Creator Protection

Fan payments settle on the Splurge platform account. If a fan disputes a charge with their bank, Splurge absorbs the loss and does not reverse the creator's transfer — creators keep what they have received.

This protection does not apply where we determine, acting reasonably, that a creator has engaged in fraud, has solicited or coordinated payments in order to reverse them, has charged their own payment methods, or has otherwise abused the platform. In those cases we may reverse transfers, withhold payouts, recover amounts already paid, and terminate the account. We may also withhold a payout while we investigate a credible suspicion of any of the above.

Stolen or unauthorized cards. Where we determine, acting reasonably, that a payment to you was made with a stolen card or without the cardholder's authorization, we may reverse the transfer of that payment to you, in whole or in part, even if you did nothing wrong. We will tell you when we do. If you have already withdrawn the funds, your balance may become negative and be recovered from your future earnings. This paragraph applies only to payments made on or after October 15, 2026.

4.8 Creator Payouts and Stripe

Creators receive their portion in a connected Stripe Express account. To receive payouts you must complete Stripe's identity verification and provide the information Stripe requires. Payouts are not automatic: your balance stays in your Stripe account until you withdraw it, and Stripe controls how long a withdrawal takes to reach your bank.

By connecting a Stripe account through Splurge, you also enter into a direct agreement with Stripe: you agree to the Stripe Connected Account Agreement, as amended by Stripe from time to time, and you agree not to use Splurge for any activity on Stripe's Restricted Businesses list. Stripe may suspend or close a connected account under its own terms, and we cannot override that decision. If Stripe closes your account, we cannot pay you out.

4.9 Taxes and Independent Status

Creators and partners are independent contractors. Nothing in these Terms creates an employment, agency, partnership, or joint venture relationship with Splurge Tech LLC. You are solely responsible for determining and paying any taxes owed on amounts you receive, and for any registrations your local law requires.

Stripe may issue tax forms (such as a Form 1099-K in the United States) based on the activity in your connected account. We do not withhold taxes and we do not provide tax advice.

5. Splurge Pass

Splurge Pass is an optional paid subscription for creators that unlocks pro features, currently including analytics, a custom domain, removal of Splurge branding, and a weekly payout schedule. Features may be added or changed over time. Pricing is shown at checkout and is subject to change with 30 days' notice.

Splurge Pass renews automatically each billing period until cancelled. You may cancel at any time from your dashboard; cancellation takes effect at the end of the current period and we do not prorate partial periods. If your account is suspended or terminated for a policy violation, your Splurge Pass subscription is cancelled immediately and you forfeit any remaining paid period.

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. This license ends when you delete the content, except for copies retained in backups or required for the records described in section 2.3.

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
• Misrepresenting what a fan will receive for a gift or subscription
• Content that violates the intellectual property rights of others
• Spam, unsolicited promotions, or malicious links
• Any activity on Stripe's Restricted Businesses list
• Any content that violates applicable law

Our Community Standards describe these categories in more detail and form part of these Terms.

7.3 Enforcement

Splurge Tech LLC may remove any content and suspend or terminate any account that violates these Terms or our Community Standards, or where we reasonably believe it is necessary to protect the platform, our users, or our payment providers. We will give notice and a reason where we reasonably can, but we may act immediately and without notice where the violation is serious, involves illegal content, or presents a risk of harm or financial loss.

If your account is terminated you may appeal by emailing support@splurge.bio within 30 days. Terminated accounts forfeit any remaining Splurge Pass subscription days and any unpaid partner commissions. Termination does not affect payouts already earned on completed transactions, except as described in section 4.7.

7.4 Repeat Infringers

We terminate, in appropriate circumstances, the accounts of users who repeatedly infringe the copyrights or other intellectual property rights of others. See Report a Violation for our copyright notice and counter-notice procedures.

8. Splurge Partner Program

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

How commission is calculated. Partner commission is 20% of the platform fee Splurge collects on a referred creator's transaction, with nothing deducted and nothing excluded — the Flex Tip add-on is part of the fee and earns commission at the same rate as the rest of it. Individually agreed rates above 20% may apply to specific partners; where one does, the rate and any end date for it are shown on your affiliate dashboard and that rate governs. Your dashboard shows accrued commission per transaction.

• Commissions accrue on qualifying platform fees from referred creators, as calculated above
• Commissions are typically processed weekly but may take up to 30 days
• Partners must have a connected Stripe account to receive commissions
• A minimum net commission balance is required per payout, listed below by currency
• Creators and partners may be the same person
• Terminated or suspended partners forfeit all unpaid commissions
• Splurge may modify, suspend, or terminate the partner program, or change commission rates, on 30 days' notice

Where a transaction is refunded or charged back, the corresponding commission is reversed. Referral attribution is determined by our records.

9. Third-Party Services

Splurge Bio integrates with third-party services including Clerk (authentication), Stripe (payments and payouts), Resend (email), UploadThing (image hosting), PostHog (analytics), Railway (hosting), and X (optional posting on a creator's behalf). 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.

If you connect your X account, you authorize Splurge to post to that account on your behalf for the features you enable. You may disconnect at any time from your dashboard, which revokes that authorization.

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. Sanctions and Geographic Restrictions

You represent that you are not located in, ordinarily resident in, or organized under the laws of any country or territory subject to comprehensive economic sanctions, and that you are not identified on any sanctions or restricted-party list maintained by the United States or another applicable authority.

Creator payouts are available only in the countries we support, which is a subset of the countries Stripe supports. We may suspend or terminate accounts, and decline or reverse transactions, where necessary to comply with sanctions or other applicable law.

12. 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. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

13. 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.

Nothing in these Terms limits liability that cannot be limited by law, including liability for fraud, for death or personal injury caused by negligence, or any statutory rights you have as a consumer that cannot be waived. Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above may not apply to you. This section does not limit our obligations under section 4.7.

14. 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. This does not apply to claims arising from our own negligence or willful misconduct.

15. General

Severability. If any provision of these Terms is held unenforceable, that provision will be limited or removed to the minimum extent necessary and the remaining provisions will remain in full force and effect. If the class action waiver in section 16.4 is held unenforceable as to a particular claim, that claim — and only that claim — will be severed from arbitration and brought in court.

Entire agreement. These Terms, together with the Privacy Policy, Cookie Notice, and Community Standards, are the entire agreement between you and Splurge Tech LLCregarding the platform, and supersede any prior agreements.

Assignment. You may not assign or transfer these Terms without our written consent. We may assign these Terms to an affiliate or in connection with a merger, acquisition, or sale of assets.

Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control, including outages at our payment, hosting, or authentication providers.

No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

16. Dispute Resolution and Arbitration

16.1 Informal Resolution First

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. Most issues, including refund requests, are resolved this way.

16.2 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, or remotely, or in your home jurisdiction at your election. The arbitrator's decision shall be final and binding.

Either party may bring an individual claim in small claims court instead, if it qualifies.

16.3 Your Right to Opt Out of Arbitration

You may opt out of this arbitration agreement by emailing support@splurge.biowith the subject line "Arbitration Opt-Out" within 30 days of first accepting these Terms. Include your name and the email address on your account. Opting out affects only arbitration — the rest of these Terms still apply, and opting out will not affect your account in any way.

16.4 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.

16.5 Coordinated Claims

If 25 or more claimants bring substantially similar arbitration demands represented by the same or coordinated counsel, the claims will be arbitrated in batches of no more than 100, with a single arbitrator per batch and a single filing fee per batch. Statutes of limitation are tolled for claims awaiting their batch. Either party may propose resolving the remaining claims by applying the outcome of the initial batches.

16.6 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.

17. 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. If you are a consumer resident in the European Economic Area or the United Kingdom, this does not deprive you of the protection of mandatory consumer law in your country of residence, or of the right to bring proceedings there.

18. 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. Each version carries the effective date and version number shown at the top of this page. Continued use of Splurge Bio after the effective date of updated Terms constitutes your acceptance of those changes. If you do not accept them, you may delete your account or cancel your subscription before that date.

19. Contact

Splurge Tech LLC, a Nevada limited liability company.

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