Creator Agreement

Last updated: TODO — e.g. 1 January 2027

This agreement applies when you create or own a community on LinkedStudy. It is in addition to the Terms of Service, which continue to apply to you as a user. If there is a conflict, this agreement governs your activity as a Creator.

1. Your relationship with us

You are an independent business. Nothing here creates an employment relationship, partnership, joint venture, franchise or agency between you and TODO Ltd., except the limited payment collection agency described in section 3.

You decide your content, your prices, your rules and your schedule. We provide the software.

We make no promise about your results. We do not guarantee any number of members, any level of revenue, any discovery placement, or any outcome from using the Platform.

2. What you are responsible for

As the seller of your own content, you are responsible for:

2.1 Delivering what you sold. Your community, courses and events must match how you advertised them. If you say a course has twelve modules and weekly calls, deliver twelve modules and weekly calls.

2.2 Advertising honestly. Your marketing must comply with advertising and consumer protection law where your members live. In particular, if you make income, earnings or results claims, they must be truthful, substantiated, and presented with clear disclosure that results are not typical. Do not manufacture false scarcity or urgency.

2.3 Consumer law. Honouring statutory cancellation and refund rights, including the EU and UK right of withdrawal where it applies. See the Refund Policy.

2.4 Your own licences and qualifications. If your content is in a regulated field such as financial advice, legal services, medicine, therapy or immigration, you are responsible for holding any required licence and for complying with that regulation. We do not verify credentials.

2.5 Intellectual property. You must own or have licensed everything you publish: text, slides, video, music, images, fonts, software and third-party material. Stock content must be used within its licence.

2.6 Moderation. Enforcing the Acceptable Use Policy inside your community, responding to reports promptly, and not permitting content that breaches it.

2.7 Tax. Determining, collecting where required, reporting and paying your own taxes. We may be required to collect VAT or similar on your behalf in some jurisdictions, and to report payouts and withhold tax where law requires. We will give you the records we hold, but we do not give tax advice.

3. Payments

3.1 Collection. You appoint LinkedStudy as your limited payment collection agent for the sole purpose of accepting member payments on your behalf through our payment providers. A member's payment to us discharges their debt to you, even if we have not yet paid you.

3.2 Pricing. You set your prices. You may not require or steer members off-Platform to complete a transaction in order to avoid Platform fees.

3.3 Our fees. We deduct a platform fee at the rate for your plan as published on our pricing page, payment processing fees charged by the payment provider, and any affiliate commission you have chosen to offer at the rate you set. Fees are deducted before payout. We will give you at least 30 days' notice before increasing the platform fee.

3.4 Payouts. We pay out your balance to the payout account you connect, on the schedule published in your dashboard, subject to a minimum payout threshold and to the provider's own processing times.

3.5 Verification. Before payouts begin you must complete identity and business verification with our payment provider. We may pause payouts until verification is complete or if it becomes stale.

3.6 Holds and reserves. We may delay, hold or offset a payout where we reasonably believe there is fraud, a high chargeback rate, an unresolved dispute, a legal or regulatory requirement, or a breach of our policies. We will tell you why and for how long, unless prevented by law.

3.7 Refunds and chargebacks. Refunds you grant, and chargebacks raised by your members, are deducted from your balance, together with any chargeback fee charged by the provider. If your balance does not cover them, you owe us the shortfall and we may recover it from future earnings.

3.8 Negative balance and inactivity. You are responsible for any negative balance. Where your balance has been payable and you have not completed verification or claimed it, we will handle it in accordance with applicable unclaimed property law.

4. Your content and the licences you give

4.1 You own your content. Nothing here transfers ownership of your course material or community content to us.

4.2 Licence to us. You grant us the licence set out in section 3.2 of the Terms of Service, so we can host, deliver, back up, transcode and display your content to your members.

4.3 Licence to your members. Unless you state otherwise, members receive a personal, non-transferable, non-sublicensable licence to access your content for their own learning for the period they paid for. They may not redistribute or resell it. You may set a more generous licence if you wish.

4.4 Our marketing. You permit us to use your community's name, logo and public description to promote the Platform, including in discovery listings and the affiliate marketplace. You may opt out at [email protected].

5. Data protection

When you process your members' personal data for your own purposes, such as emailing them, reviewing applications, exporting member lists or running your own analytics, you are an independent data controller and you must comply with applicable data protection law, including the GDPR, the UK GDPR and the Ghana Data Protection Act where they apply to you.

You must:

• only use member data for running your community, not sell it or use it for unrelated purposes;
• have your own lawful basis for any marketing you send outside the Platform;
• honour members' data rights, and pass on any request you cannot handle to [email protected];
• keep member data secure and not retain it after a member leaves beyond what is necessary;
• not export member data in order to move members to a competing platform without their consent.

6. Ending this agreement

6.1 By you. You may close your community at any time. If you do, you must either refund members for any unused prepaid period, or continue to provide the access they paid for until it expires. Unfulfilled obligations remain yours.

6.2 By us. We may suspend or close your community for breach of these terms or our policies, for legal or regulatory reasons, for sustained non-moderation, or for fraud or an abnormal chargeback rate. Except for serious breaches, we will give notice and an opportunity to fix the problem.

6.3 On closure. We will give you a reasonable period to export your content and member list, and we will handle outstanding payouts subject to section 3.6. Refunds owed to members may be deducted from your balance.

7. Indemnity

To the fullest extent permitted by law, you will indemnify and hold harmless TODO Ltd., its officers, directors, employees and agents from any claim, loss, liability, damages, cost or expense, including reasonable legal fees, arising out of: your content; your community; your advertising and the claims you make; your dealings with your members; your tax obligations; your breach of this agreement or any policy; and your violation of any law or any third party's rights.

8. Limitation of liability

Section 11 of the Terms of Service applies to this agreement. In addition, we are not liable for lost profits or lost business opportunity arising from any change to the Platform, any discovery or ranking decision, any enforcement action taken in good faith, or any payment provider's decision.