CREATOR TERMS OF SERVICE

STATSNIPER CREATOR TERMS OF SERVICE

Influencer Monetization Agreement

These Creator Terms of Service ("Creator Terms") constitute a legally binding agreement between you ("Creator," "you," or "your") and Stat Sniper, Inc. ("Stat Sniper," "Company," "we," "us," or "our") governing your participation as a monetizing content provider on the Stat Sniper platform, including the Stat Sniper mobile application, website, APIs, social feed, messaging features, subscriptions, and pay-per-view content marketplace (collectively, the "Platform").

By creating a Creator account, enabling monetization features, or receiving compensation through the Platform, you agree to be bound by these Creator Terms, our general Terms of Service, Privacy Policy, and the Stripe Connected Account Agreement.

If you do not agree, you may not monetize content on Stat Sniper.

1. PLATFORM PURPOSE

Stat Sniper is a social media and analytics platform for sports discussion and opinion-based content.

Stat Sniper:

• Does NOT accept wagers
• Does NOT operate a sportsbook
• Does NOT broker bets or facilitate betting transactions
• Does NOT guarantee outcomes or results
• Does NOT provide financial advice, investment advice, or professional gambling counsel
• Does NOT endorse any specific sportsbook or betting platform

Creators publish opinions, commentary, entertainment, and personal analysis only.

All wagering activity occurs solely between users and third-party licensed sportsbooks operating independently of Stat Sniper.

You acknowledge and agree that:

• Your content is entertainment and informational commentary only
• You are not acting as a bookmaker, agent, betting intermediary, or financial advisor
• You are not representing Stat Sniper in any capacity beyond content creation
• Users assume all risk when acting on your content

2. CREATOR ACCOUNT ELIGIBILITY

To become a Creator you must:

Age & Legal Status

• Be at least 21 years old (or age of legal majority in your jurisdiction, whichever is higher)
• Have legal capacity to enter into binding contracts

Identity Verification

• Complete Stripe Connect onboarding and identity verification
• Provide government-issued photo ID
• Verify contact information (email, phone)
• Submit additional documentation upon request (proof of address, business documentation)

Financial Information

• Create and maintain Stripe Connected Account in good standing
• Provide accurate taxpayer identification (SSN/EIN for US, equivalent for international)
• Complete IRS Form W-9 (US) or W-8BEN (international) via Stripe
• Link valid bank account or debit card for payouts
• Maintain current contact and banking details

Geographic & Professional Restrictions

• Not be a resident of a jurisdiction prohibiting sports betting content monetization
• Not be employed in restricted sportsbook roles (detailed in Section 2A)
• Not be subject to gambling-related legal restrictions or bans
• Not be located in embargoed countries or on OFAC restricted lists
• Be in a country where Stripe Connect payouts are supported

Platform Compliance

• Agree to comply with all Platform policies and guidelines
• Maintain account in good standing
• Not have previously been banned for violations
• Pass Stripe's identity verification and fraud screening

We reserve the right to deny or revoke Creator status at any time, for any reason or no reason, with or without notice.

2A. PROHIBITED CREATOR CATEGORIES

The following individuals are INELIGIBLE to become Creators:

Sports Industry Insiders

• Current professional athletes in sports covered by the Platform
• Coaches, trainers, or team staff with access to non-public information
• Sports officials, referees, or umpires
• League employees with access to competitive information
• Team owners or investors with decision-making authority

Sportsbook Personnel

• Sportsbook employees in: odds compilation, risk management, trading, line setting
• Individuals with access to proprietary betting data or models
• Compliance or regulatory staff at sportsbooks
• Exception: Marketing, customer service, or general operations roles may be approved with disclosure

Individuals with Relevant Criminal History

• Anyone convicted of sports betting fraud, match-fixing, or related offenses
• Anyone currently under investigation for gambling-related crimes
• Anyone with documented history of bookmaking or illegal gambling operations

Other Restricted Parties

• Individuals banned from casinos or sportsbooks for advantage play or fraud
• Anyone subject to active restraining orders related to harassment or threats
• Individuals who have previously violated these Creator Terms

Disclosure Requirement: If you fall into any gray area category, you must disclose this during application. Failure to disclose may result in immediate termination and forfeiture of earnings.

3. CREATOR MONETIZATION FEATURES

Creators may offer paid access to content through:

1. Monthly Subscriptions — recurring access to private feed content
2. Pay-Per-Post (PPV) — one-time purchase of individual picks or analysis
3. Bundled Packages — multi-post or time-limited access bundles
4. Private Feed Access — exclusive content stream for paying subscribers
5. Premium Messaging Tiers — DM access or priority response for subscribers

Platform Role

Stat Sniper acts solely as:

• Payment facilitator via Stripe Connect
• Marketplace host and technology provider
• Content delivery infrastructure

Stat Sniper is not a party to the transaction between Creator and subscriber.

We do not:

• Endorse Creator content or picks
• Verify accuracy of predictions or analysis
• Guarantee Creator performance or quality
• Provide customer support for betting outcomes

4. REVENUE SHARE & PAYOUTS

Revenue Split

Creator receives: 82%

Stat Sniper platform fee: 18%

This 18% platform fee covers:

• Platform infrastructure and technology
• Content delivery and hosting
• Customer support and dispute resolution
• Fraud prevention systems
• Platform development and maintenance
• All Stripe payment processing fees (paid by Stat Sniper)

Creators receive 82% of gross revenue as a clean payout. You do not pay any Stripe processing fees—Stat Sniper covers these costs from our 18% platform fee.

Payment Processing via Stripe Connect

Stat Sniper uses Stripe Connect for all Creator payments. When you enable monetization:

• You create a Stripe Connected Account linked to your Stat Sniper Creator profile
• Subscriber payments flow through Stripe's infrastructure
• Stat Sniper's 18% platform fee is automatically deducted
• Stat Sniper pays all Stripe processing fees from our platform fee
• You receive 82% of gross revenue via your chosen payout method
• No Stripe fees are deducted from your earnings

You are bound by Stripe's Connected Account Agreement and Services Agreement.

Stripe Processing Fees (Paid by Stat Sniper)

For transparency, these are the Stripe fees that Stat Sniper covers on your behalf:

Domestic cards (US): 2.9% + $0.30 per successful charge

International cards: 3.9% + $0.30 per successful charge

Additional Stripe fees:

• Currency conversion: 1% if applicable
• Chargeback/dispute fee: $15.00 per dispute (regardless of outcome)
• Failed payout return: $0.25 per occurrence

You do not pay these fees. Stat Sniper absorbs all Stripe processing costs.

Transaction Calculation Example

Example 1: $100 monthly subscription (US card)

• Gross payment: $100.00
• Stat Sniper platform fee (18%): -$18.00
• Creator payout: $82.00

Example 2: $50 PPV pick (international card)

• Gross payment: $50.00
• Stat Sniper platform fee (18%): -$9.00
• Creator payout: $41.00

Example 3: $25 single pick (US card)

• Gross payment: $25.00
• Stat Sniper platform fee (18%): -$4.50
• Creator payout: $20.50

Simple formula: You receive 82% of every transaction, clean and simple.

Stat Sniper absorbs all Stripe processing fees (typically 2.9-3.9% + $0.30 per transaction), chargebacks fees ($15 each), and other payment processing costs from our 18% platform fee.

Deductions from Creator Earnings

The following are deducted before payout:

1. Stat Sniper Platform Fee: 18% of gross transaction amount
2. Chargebacks: Full transaction amount (you refund the subscriber; Stat Sniper covers the $15 Stripe dispute fee)
3. Refunds: Full or partial refund amount as per Section 9
4. Negative Balance Recovery: Outstanding debts from prior chargebacks or refunds

Note: Stripe processing fees are NOT deducted from your earnings. Stat Sniper pays these from our platform fee.

Minimum Payout Threshold

• Minimum balance for payout: $25 USD (Stripe standard minimum)
• Balances below threshold automatically roll over to next payout cycle
• No expiration on accumulated balances
• Account closure: Balances >$10 paid out within 90 days; balances <$10 forfeited to cover administrative costs

Payout Schedule & Timing

Stripe Connect Rolling Payouts (Default):

• Funds available 2 business days after successful charge (US bank accounts)
• International accounts: 7 business days after successful charge
• Automatic transfer to your bank account once balance meets threshold
• Weekends and bank holidays may extend timing by 1-2 days

Manual Payout Requests:

• Available once balance meets $25 threshold
• Requested via Creator dashboard
• Processed within same timeframes as automatic payouts

First Payout Delay (New Accounts):

• 7-14 day hold on first payout for Stripe identity verification
• Required by Stripe's fraud prevention policies
• Subsequent payouts follow standard 2-7 day schedule

Payout Methods (via Stripe)

United States:

• ACH Direct Deposit (1-3 business days, no fee) — Preferred method
• Debit card instant payout (up to $10,000/transaction, 1% fee, typically 30 minutes)

International (Stripe-supported countries):

• Local bank transfer (timing and fees vary by country)
• Available in 40+ countries including: CA, UK, EU, AU, JP, MX, BR, IN, SG, and more
• Currency conversion at Stripe's exchange rate (typically 1% above mid-market rate)

See Stripe's documentation for country-specific payout methods and timing.

You must:

• Connect a valid bank account or debit card to your Stripe Connected Account
• Ensure account information is current and accurate
• Monitor Stripe dashboard for failed payout notifications
• Update payout details immediately if banking information changes

Failed payouts due to incorrect information may delay payment by 30+ days and incur Stripe return fees ($0.25-$1.00 per failed attempt).

Negative Balance Policy

If your Stripe Connected Account balance becomes negative due to chargebacks, refunds, or disputed transactions:

Automatic Recovery:

• Future earnings automatically applied to negative balance
• No payouts issued until balance returns to positive
• Negative balance displayed in Creator dashboard

90-Day Collection Window:

If balance remains negative for 90 days, we may:

• Pursue collection through legal means
• Report debt to credit agencies (if exceeds $500)
• Suspend or terminate Creator account permanently
• Pursue claims in small claims court or arbitration
• Debit alternative payment methods on file

You authorize Stripe and Stat Sniper to:

• Debit your bank account to recover negative balances
• Withhold future payments until debt is satisfied
• Share debt information with collection agencies

Reserve Policies

Stripe Risk-Based Reserves:

Stripe may automatically implement reserves based on risk assessment:

• New accounts: Up to 20% of transaction volume held for 90 days
• High chargeback rate (>1.0%): Up to 25-50% rolling reserve
• High-risk vertical (gambling-adjacent): Standard 10-30% reserve
• Suspicious activity flags: Up to 100% hold pending investigation

Reserve policies are determined by Stripe's automated risk algorithms and may change without notice.

Stat Sniper Additional Reserves:

We may impose additional reserves (separate from Stripe) for:

• Chargeback rate >3%: Additional 15% rolling reserve for 180 days
• Refund rate >10%: Additional 10% rolling reserve for 90 days
• Pattern of subscriber complaints: Case-by-case reserve up to 30%
• Sudden volume spike: >300% month-over-month increase may trigger 20% reserve
• First major payout: First payout >$5,000 may trigger 14-day verification hold

Additional Stat Sniper reserves:

• Do not exceed 30% of monthly transaction volume
• Are released after 180 days if no issues arise
• Earn no interest
• May be adjusted based on ongoing Creator performance

Fraud Review Holds

New Creator Verification:

• First 7-14 days: Extended review for identity verification
• First payout >$1,000: May extend to 21 days for manual fraud review
• Required by Stripe and regulatory compliance

Ongoing Fraud Monitoring:

Transactions may be held if:

• Single transaction >$5,000 (3-7 day review)
• Rapid subscription growth (>50 new subs in 24 hours)
• Geographic fraud patterns detected
• Subscriber fraud reports received
• Chargeback spike occurs

You will be notified via email within 24 hours of any fraud hold.

Tax Responsibility

You are solely responsible for all taxes on Creator earnings.

Tax Form Issuance via Stripe:

Since Stat Sniper uses Stripe Connect for payment processing, Stripe (not Stat Sniper) is responsible for issuing tax forms and reporting to the IRS.

United States Creators:

• Stripe will issue IRS Form 1099-K if you receive >$5,000 in gross payments in a calendar year (current threshold as of 2024; may be lowered to $600 in future years per IRS regulations)
• Stripe collects your W-9 (Tax ID) during Stripe Connect onboarding
• 1099-K forms are issued by Stripe via your Stripe dashboard by January 31
• Stripe reports your earnings to the IRS under their own Tax ID (EIN), not Stat Sniper's

Your Tax Obligations:

• You must report all Creator income to the IRS regardless of whether you receive a 1099-K
• Estimated quarterly tax payments may be required if you earn substantial income
• Self-employment tax (15.3%) applies to Creator earnings
• You are responsible for all federal, state, and local taxes

International Creators:

• Stripe collects Form W-8BEN during onboarding to determine tax treaty benefits
• Tax obligations vary by country (VAT, GST, income tax, etc.)
• US tax withholding (30%) may apply unless you complete Form W-8BEN and claim treaty benefits
• Stripe handles US tax withholding and reporting if applicable
• You are responsible for tax compliance in your home country

Important Notes:

• Stat Sniper does NOT collect tax information directly (Stripe does this during their onboarding)
• Stat Sniper does NOT issue 1099 forms (Stripe issues them)
• Stat Sniper does NOT report your earnings to the IRS (Stripe does this)
• All tax documents are available through your Stripe Connected Account dashboard

Questions about tax forms? Contact Stripe support or consult a qualified tax professional. Stat Sniper cannot provide tax advice or access to your Stripe tax documents.

5. CONTENT RULES & PROHIBITED CONDUCT

This section defines what Creators MAY and MAY NOT do on the Platform.

Violations may result in content removal, earnings forfeiture, and permanent account termination.

You MAY:

• Post picks, predictions, betting models, and sports analysis
• Share your personal performance history and track record
• Sell subscription access to private content and premium picks
• Use a personal brand, pseudonym, or professional identity
• Charge different prices for different content tiers
• Offer discounts, promotions, or limited-time offers
• Discuss betting strategies, bankroll management concepts, and risk management
• Reference specific sportsbooks where you place bets
• Share screenshots of betting tickets as proof of actual wagers

You MAY NOT:

Illegal Gambling Claims & Misrepresentation:

• Guarantee wins or outcomes — No "guaranteed winner," "lock of the century," "can't lose" claims
• Claim risk-free betting — All betting involves risk; cannot promise "risk-free" strategies
• Claim fixed games or insider information — No implying games are predetermined or you have inside intel
• Impersonate sportsbook insider — Cannot claim to be employed by sportsbook, league, or team in any capacity that would give you non-public information
• Offer bet placement services — Cannot place bets on behalf of users or operate as a betting agent
• Sell bankroll management services for direct compensation — Cannot offer to manage user funds or place bets with their money

Financial Misrepresentation & Record Manipulation:

• Represent picks as financial investments — Picks are entertainment/opinion, not investment advice
• Promise guaranteed ROI — Cannot guarantee specific return percentages or profit amounts
• Fabricate or alter records — All pick history must be accurate and unaltered
• Delete losses to inflate record — Once a pick is posted, it cannot be deleted or edited to hide poor performance
• Cherry-pick results — Cannot display only winning bets while hiding losing bets
• Post-event editing — Cannot edit pick details (odds, stake, outcome) after event starts
• Misrepresent unit sizing — Actual bet sizes must match claimed unit sizes

Deceptive Marketing & Subscriber Manipulation:

• Hide pushes or no-action bets — All bet outcomes must be transparently tracked
• Sell same pick at different odds — Cannot offer "premium" tier with better odds for same game/event
• Sell picks after event starts — All paid picks must be posted before event start time
• Manipulate timestamps — Cannot backdate or forward-date picks
• False scarcity claims — Cannot claim "only 10 spots left" if unlimited subscriptions available
• Fake social proof — Cannot create fake testimonials, reviews, or subscriber counts

Off-Platform Circumvention:

• Redirect paying subscribers off-platform — All paid content must remain on Stat Sniper
• Sell subscriptions cheaper elsewhere — Cannot undercut Stat Sniper pricing on external platforms
• Provide paid picks via DM to bypass paywall — All monetized content must go through proper payment channels
• Collect subscriber contact info for external marketing — Cannot harvest emails, phone numbers, or social handles
• Promote competing pick-selling platforms — Cannot advertise alternative services to Stat Sniper subscribers

Prohibited Content & Conduct:

• Harassment, hate speech, or threats — No abusive language, targeted harassment, or violent threats
• Stolen content or plagiarized picks — Cannot copy other Creators' analysis or picks
• Copyright violations — Cannot use copyrighted images, video, or text without permission
• Account sharing or credential selling — Cannot share Creator login or sell account access
• Minors in content — Cannot feature individuals under 21 in gambling-related content
• Promotion of illegal sportsbooks — Cannot promote unlicensed or illegal betting platforms
• Encouraging problem gambling — Cannot target or exploit individuals with gambling problems

Performance Manipulation & Platform Abuse:

• Self-subscription or wash trading — Cannot buy your own content to inflate metrics
• Bot or fake account usage — Cannot use automation or fake accounts to boost engagement
• Coordinated inauthentic behavior — Cannot coordinate with others to manipulate rankings
• Gaming recommendation algorithms — Cannot use artificial means to boost visibility
• Spam or excessive posting — Must follow reasonable posting frequency limits

Enforcement & Penalties

Violations may result in:

First offense (minor):

• Warning notice
• Content removal
• Temporary monetization suspension (7-30 days)

Second offense or serious first offense:

• Content removal
• Earnings hold (30-180 days)
• Temporary account suspension (30-90 days)

Third offense or severe violation:

• Permanent monetization ban
• Earnings forfeiture (up to 180 days of revenue)
• Permanent account termination
• Referral to law enforcement if illegal activity suspected

We reserve sole discretion in determining violations and penalties.

6. PICK PERFORMANCE TRACKING & TRANSPARENCY

Automatic Performance Tracking

Stat Sniper automatically tracks and publicly displays:

• Win/Loss/Push record for all posted picks
• ROI (Return on Investment) calculated from stated odds and outcomes
• Units won/lost based on stated unit sizes
• Win rate percentage across all picks
• Timestamp of pick posting (immutable once published)
• Historical performance charts by sport, bet type, and time period

You grant us permission to:

• Calculate these statistics automatically
• Display them publicly on your Creator profile
• Use performance data in platform rankings and discovery features
• Share aggregated data (anonymized) for research or marketing

Pick Immutability

Once a pick is published, it becomes immutable:

• Cannot be edited after event start time
• Cannot be deleted to hide poor performance
• Timestamps are permanent and verifiable
• Odds, stake, and outcome are locked
• Comments/analysis can be added but original pick remains visible

Exceptions:

• Pre-event typos may be corrected with "Edited" flag displayed
• Picks can be deleted before event starts (but deletion is logged)
• Platform technical errors may allow pick correction with admin approval

Performance Verification Requirements

For Creators claiming specific ROI or win rates:

Verification may be required for:

• Claims of >60% win rate over 100+ bets
• Claims of >15% ROI over 500+ bets
• "Real bets" or "actual wagers" claims
• Any representation of professional gambling income

Verification methods:

• Sportsbook account screenshots showing betting history
• Third-party tracking service integration (Pikkit, Action Network, etc.)
• Bank/payment statements showing betting activity
• Sportsbook API data access (if available)

Failure to provide verification when requested may result in:

• "Unverified" label on Creator profile
• Removal of specific performance claims
• Suspension of monetization pending verification

No Performance Guarantees

You acknowledge:

• Past performance does not guarantee future results
• Short-term variance can cause misleading statistics
• Sample size affects statistical significance
• External factors (injuries, weather, officiating) impact outcomes

Required disclaimers:

All Creators must display the following disclaimer on their profile:

"Past performance is not indicative of future results. Sports betting involves risk and you may lose money. Bet responsibly."

7. GAMBLING DISCLAIMERS & USER RISK

No Guarantees

Users may lose money following your content.

You agree that:

• Betting inherently involves risk of financial loss
• Past performance does not predict future outcomes
• You are not providing financial advice or investment recommendations
• You cannot control game outcomes or external factors
• Variance and luck play significant roles in short-term results

You are solely responsible for statements made to users.

Required Responsible Gambling Notices

All Creators must include responsible gambling resources in their profile:

Suggested language:

• "Bet responsibly. Gambling can be addictive."
• "If you or someone you know has a gambling problem, call 1-800-GAMBLER."
• "Never bet more than you can afford to lose."
• Links to: National Council on Problem Gambling, Gamblers Anonymous

Platform-provided resources:

• Stat Sniper will provide responsible gambling links in all Creator profiles
• Creators may supplement with additional resources
• Failure to maintain responsible gambling messaging may result in content removal

Indemnification for User Losses

You agree to indemnify Stat Sniper against any claim arising from:

• Users losing money based on your picks or analysis
• Misrepresentation of win rates, ROI, or track record
• Alleged "guaranteed" or "risk-free" picks causing financial harm
• Claims of professional gambling advice without proper licensing
• Subscriber allegations of fraud, misrepresentation, or negligence

This indemnification obligation survives termination of these Creator Terms.

8. INTELLECTUAL PROPERTY & CONTENT LICENSE

Creator Content Ownership

You retain ownership of your content, including:

• Written analysis and commentary
• Betting picks and predictions
• Original models, systems, or strategies
• Branding, logos, and personal identity

License to Stat Sniper

By posting content to the Platform, you grant Stat Sniper a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to:

• Host your content on Platform infrastructure
• Display your content to users (free and paid)
• Distribute your content across Stat Sniper's platforms (web, mobile, API)
• Promote your content in marketing materials, social media, and advertisements
• Analyze your content for platform improvement and ranking algorithms
• Clip or excerpt content for promotional purposes (with attribution)
• Create derivative works for platform features (e.g., leaderboards, highlights)

This license:

• Lasts as long as content remains on Platform
• Survives termination of your Creator account (for content we choose to retain)
• Does not prevent you from licensing content elsewhere
• Allows us to sublicense to third-party partners for platform operations

Promotional Use

We may promote your content and profile to grow the network, including:

• Featuring you in "Top Creators" lists
• Sharing your picks in platform-wide highlights or recaps
• Using your performance data in marketing materials
• Showcasing your content to prospective users
• Creating case studies or success stories featuring your Creator journey

You may opt out of promotional use by contacting support, but this may limit your visibility and subscriber growth.

User Redistribution Restrictions

Subscribers may not:

• Screenshot and repost your paid content publicly
• Share subscription access with non-paying users
• Resell your picks or analysis to third parties
• Use your content for commercial purposes without permission

However:

• Enforcement is not guaranteed — we implement reasonable anti-piracy measures but cannot prevent all unauthorized sharing
• Subscribers bear responsibility for violations under our Terms of Service
• You may report unauthorized redistribution for investigation

Third-Party Content Usage

You must have rights to all content you post:

• Use only content you created or have permission to use
• Do not post copyrighted images, videos, or text without license
• Properly attribute any quoted or referenced material
• Comply with DMCA and other intellectual property laws

Violations may result in:

• Immediate content removal
• DMCA takedown notices
• Copyright strikes against your account
• Suspension or termination of Creator status
• Legal liability for copyright infringement

9. SUBSCRIBER DISPUTES & REFUND POLICY

Refund Authority

Stat Sniper has sole discretion to issue refunds to subscribers, which may be deducted from your earnings.

Refund Eligibility

Full refunds issued for:

1. Platform technical errors: Creator content failed to deliver due to system outage; Payment charged but access not granted; App crash preventing content access during event
2. Fraudulent Creator activity: Creator impersonating another person; Fake performance records discovered; Misleading marketing or false advertising verified
3. Content not delivered: Subscription purchased but Creator posted no content for 30+ days; PPV pick purchased but never posted; Creator account deleted immediately after payment

Pro-rated refunds issued for:

1. Partial service delivery: Subscription cancelled mid-month (unused days refunded); Creator suspended during active subscription period; Content removed for policy violation during subscription

No refunds for:

• Pick quality or performance: Losing bets or poor ROI; Disagreement with analysis or strategy; User dissatisfaction with content quality; User's own betting losses
• Buyer's remorse: Changed mind after purchase; Found cheaper picks elsewhere; No longer interested in sports betting
• External factors: Sportsbook voided the bet; Game cancelled or postponed; Injury news after pick posted

Refund Request Window

• Monthly subscriptions: 3 days from charge date for technical issues only
• PPV picks: 24 hours from purchase for non-delivery only
• Technical errors: 7 days from incident
• Fraud claims: 60 days from discovery

Requests outside these windows may be denied.

Chargeback Policy

Chargebacks are treated as refunds + dispute fee:

When a subscriber files a chargeback with their credit card company:

1. Stripe automatically deducts full transaction amount + $15 dispute fee from your Connected Account balance
2. You are notified via email with chargeback details and reason code
3. You may submit evidence to dispute chargeback (receipts, delivery proof, communications)
4. Stripe reviews and makes final determination (typically 60-90 days)
5. If you win, funds + dispute fee returned to your account
6. If you lose, deduction is permanent

Chargeback rate thresholds:

• <1.0%: Acceptable (industry standard)
• 1.0-2.0%: Monitored (may trigger Stripe reserve)
• 2.0-3.0%: High risk (additional Stat Sniper reserve applied)
• >3.0%: Critical (monetization suspension pending review)

Actions for high chargeback rates:

If your chargeback rate exceeds 2.0% over 30 days:

• 15-30% earnings reserve applied
• Manual review of all transactions
• Required subscriber communication improvements
• Potential monetization suspension

If chargeback rate exceeds 5.0%:

• Immediate monetization suspension
• Full account review
• Potential permanent ban
• Earnings hold for 180 days

Refund Processing

Timing:

• Refunds processed within 5-10 business days
• Funds returned to subscriber's original payment method
• Chargeback reversals may take 60-90 days

Deductions from Creator earnings:

• Refunded amount deducted from next payout
• If balance insufficient, account goes negative
• Negative balance collected from future earnings

10. REGULATORY COMPLIANCE & GEO-RESTRICTIONS

Your Compliance Obligations

You are solely responsible for complying with all applicable laws, including but not limited to:

• Gambling advertising and marketing regulations
• Sports betting-specific content restrictions
• FTC endorsement and disclosure requirements
• Consumer protection laws
• Tax reporting and payment obligations
• Anti-money laundering (AML) regulations

Stat Sniper does not monitor compliance in every jurisdiction. We provide the platform; you must ensure your use complies with local law.

Jurisdiction-Specific Requirements

If operating in states/countries with restrictive gambling advertising laws:

You must:

• Research and comply with local advertising restrictions
• Include required disclaimers (e.g., "21+ only," "Gambling problem? Call...")
• Avoid targeting minors or vulnerable populations
• Honor geo-blocking if your content is restricted in certain locations

Examples of restricted jurisdictions:

• Utah, Hawaii: No legal sports betting; marketing may be prohibited
• Massachusetts, Ohio: Strict advertising rules and disclosure requirements
• UK: Gambling Act 2005 imposes stringent marketing restrictions
• Australia: Interactive Gambling Act restricts certain online gambling promotion

FTC Disclosure Requirements

If you receive compensation beyond Stat Sniper platform fees (e.g., sportsbook affiliate deals, sponsored content), you must:

• Clearly disclose material connections to sportsbooks or brands
• Use hashtags like #ad, #sponsored, #affiliate when applicable
• Follow FTC Endorsement Guidelines
• Not make misleading claims about products or services

Failure to disclose may result in:

• FTC enforcement action (not our responsibility, but you're liable)
• Content removal from Stat Sniper
• Suspension of Creator account

Required Platform Disclaimers

All Creators must display on their profile:

"This content is for entertainment and informational purposes only. Sports betting involves risk of financial loss. Past performance does not guarantee future results. Bet responsibly. 21+ only."

Additional disclaimers may be required based on your location or subscriber base.

Geo-Restriction Rights

Stat Sniper reserves the right to:

• Block Creator monetization in specific jurisdictions where legal risk exists
• Require additional disclosures based on Creator location or subscriber demographics
• Suspend Creators violating local advertising laws
• Remove content that violates jurisdiction-specific rules
• Terminate accounts operating in prohibited regions

Examples of geo-restriction actions:

• Blocking Utah/Hawaii residents from monetization
• Requiring UK Creators to include Gambling Commission warnings
• Disabling Creator accounts in jurisdictions where platform is not licensed

Reporting & Cooperation

You agree to:

• Cooperate with regulatory investigations or audits
• Provide documentation if requested by authorities
• Notify us immediately if you receive legal inquiries about your Creator activity
• Comply with subpoenas or legal process related to your content

We may disclose your information to regulators, law enforcement, or other authorities as required by law.

11. ACCOUNT TERMINATION & SUSPENSION

Our Right to Terminate

We may suspend or terminate your Creator account at any time, with or without cause, including but not limited to:

Performance & Quality Issues:

• Sustained win rate <45% over 100+ documented picks (potential fraud indicator)
• Excessive subscriber complaints (3+ substantiated complaints in 30 days)
• Pattern of misleading marketing or deceptive practices

Financial & Fraud Risks:

• Chargeback rate >3% sustained over 60 days
• Suspected fraud, money laundering, or illegal activity
• Negative balance exceeding $1,000 for 90+ days
• Use of stolen payment methods or identity theft

Content Policy Violations:

• Repeated violations of Section 5 (Content Rules)
• Posting prohibited content (hate speech, harassment, illegal activity)
• Manipulation of performance records or statistics
• Copyright infringement or IP violations

Platform Abuse:

• Use of bots, automation, or fake accounts
• Coordinated inauthentic behavior
• Gaming algorithms or ranking systems
• Circumventing paywalls or monetization systems

Legal & Regulatory Risks:

• Operating in prohibited jurisdiction
• Failure to comply with local laws
• FTC violations or deceptive advertising
• Investigation by law enforcement or regulators

Reputational & Brand Risks:

• Public scandal or controversy damaging Stat Sniper brand
• Association with illegal sportsbooks or criminal activity
• Behavior incompatible with platform values

Effects of Termination

Upon termination or suspension:

Immediate effects:

• Monetization features disabled
• Paid content becomes inaccessible to new subscribers
• Existing subscriptions may be cancelled (at our discretion)
• Earnings may be held pending review

Pending payouts:

• May be held for 180 days to cover chargebacks and refunds
• Released after 180 days if no disputes pending
• Forfeited if fraud or serious violation discovered

Content retention:

• Your content may remain on Platform for audit, legal, or archival purposes
• Performance data may be retained in aggregated/anonymized form
• We are not obligated to delete content upon account closure

Subscriber refunds:

• Active subscriptions may be refunded at our discretion
• PPV purchases typically non-refundable unless fraud involved

Re-application:

• Banned users may not create new accounts
• Circumventing bans may result in legal action

Your Right to Terminate

You may close your Creator account at any time by:

• Requesting account closure via settings or support
• Disabling all monetization features
• Withdrawing all available funds

Effects of voluntary closure:

• Subscriptions cancelled with pro-rated refunds (if applicable)
• Pending earnings paid out after 30-day dispute window
• Content may remain visible unless you request deletion
• No penalties or forfeiture unless violations discovered

Appeal Process

If your account is suspended or terminated, you may appeal within 14 days by:

1. Submitting written appeal to [email protected]
2. Providing supporting documentation or evidence
3. Explaining circumstances and proposed remediation

We will review and respond within 30 days.

Appeals are granted rarely and only when:

• Termination was based on incorrect information
• Violation was minor and correctable
• Creator demonstrates genuine rehabilitation

Our decision on appeals is final.

11A. PAYMENT PROCESSOR SERVICE INTERRUPTION

Third-Party Payment Processing Dependency

Stat Sniper uses Stripe Connect for all Creator payments and subscriber transactions. The Creator Program's operation depends entirely on Stripe's continued service.

You acknowledge and agree that:

• Stat Sniper does not control Stripe's operations or policies
• Stripe may suspend or terminate services at any time for any reason
• Stripe's decisions are independent of Stat Sniper's control
• Payment processing is a critical dependency that may fail

Service Interruption Events

If Stripe or any payment processor suspends, restricts, or terminates services to Stat Sniper:

Immediate Effects:

• New Creator enrollments will be suspended indefinitely
• Existing Creator payouts may be delayed or suspended indefinitely
• Subscriber payments may be blocked or cancelled
• Active subscriptions may be terminated without refund
• All monetization features may become unavailable

Creator Impact:

• Pending earnings may be held by Stripe pending their investigation
• Scheduled payouts may be delayed by weeks or months
• Access to your Stripe Connected Account may be restricted
• Historical transaction data may become inaccessible

No Liability for Payment Processor Actions

Stat Sniper is NOT liable for any consequences of payment processor actions, including but not limited to:

• Stripe account suspensions, restrictions, or terminations
• Delayed or failed payouts to Creators
• Lost revenue during service interruption
• Subscriber refunds or chargebacks initiated by Stripe
• Compliance holds or reserve requirements
• Changes to Stripe's fee structure or policies
• Migration delays to alternative payment processors

No Refunds or Compensation

In the event of payment processor service interruption:

• Stat Sniper will NOT issue refunds to Creators for lost revenue
• Stat Sniper will NOT compensate Creators for delayed payouts
• Stat Sniper will NOT guarantee migration to alternative processors
• Creators assume all financial risk from payment processor dependency

Transition Period

If Stat Sniper secures an alternative payment processor:

• Migration may take 30-90 days or longer
• Creator re-enrollment may be required
• New terms and fee structures may apply
• Historical data may not transfer
• Some Creators may be ineligible for alternative processors

Stat Sniper makes no guarantees about service restoration timeline or alternative processor availability.

Creator Acknowledgment

By enrolling in the Creator Program, you expressly acknowledge:

• You understand Stripe's critical role in the Creator Program
• You accept the risk of Stripe service interruption
• You will not hold Stat Sniper liable for payment processor failures
• You have no contractual right to payment processing services
• Stat Sniper may permanently discontinue Creator Program if no viable payment processor is available

11B. REGULATORY COMPLIANCE & SERVICE SUSPENSION

Regulatory Environment

Stat Sniper operates in a complex and evolving regulatory environment. Federal and state laws governing sports betting content, gambling advertising, and financial services may impact the Creator Program.

You acknowledge that:

• Gambling regulations vary significantly by jurisdiction
• Regulatory interpretations may change without notice
• State gaming commissions may assert jurisdiction over Creator content
• Payment processors are subject to regulatory oversight
• Federal agencies (FTC, FINRA, SEC) may regulate certain activities

Regulatory Suspension Rights

If any governmental authority, regulatory agency, court, or payment processor determines that Stat Sniper's Creator Program violates applicable law, regulation, or industry policy, Stat Sniper may immediately and without prior notice:

Suspend or Terminate Services:

• Disable Creator monetization in specific jurisdictions
• Suspend all Creator accounts in affected states or countries
• Terminate the entire Creator Program platform-wide
• Block subscriber access to Creator content in restricted areas
• Cease all payment processing activities

Geographic Restrictions:

• Implement IP-based geo-blocking for specific states or countries
• Require Creators to verify and disclose their location
• Prohibit monetization by Creators in restricted jurisdictions
• Terminate Creators found circumventing geographic restrictions

Content Restrictions:

• Remove or restrict certain types of Creator content
• Prohibit specific betting-related terminology or claims
• Require additional disclaimers or disclosures
• Implement content pre-approval processes

Examples of Regulatory Triggers

Regulatory suspension may be triggered by, but is not limited to:

State Gaming Commission Actions:

• Cease-and-desist orders from Massachusetts Gaming Commission
• Licensing requirements imposed by New Jersey Division of Gaming Enforcement
• Advertising restriction violations in Ohio, Pennsylvania, or other states
• Investigation or inquiry by any state gambling regulator

Federal Regulatory Actions:

• FTC enforcement action for deceptive advertising practices
• SEC determination that content constitutes investment advice
• FINRA inquiry regarding financial services
• Department of Justice investigation or subpoena

Payment Processor Compliance:

• Stripe determines Creator content violates Acceptable Use Policy
• Card networks (Visa, Mastercard) classify service as high-risk gambling
• Banking partner requires additional compliance measures
• AML/KYC regulatory requirements cannot be met

Court Orders:

• Preliminary injunction prohibiting monetization features
• Temporary restraining order pending litigation
• Final judgment requiring service modification or cessation

No Compensation for Regulatory Suspension

In the event of regulatory-driven suspension or termination:

Creators will NOT receive:

• Refunds for lost revenue opportunities
• Compensation for business interruption
• Damages for reputational harm
• Reimbursement for time or resources invested

Stat Sniper will NOT be liable for:

• Lost subscriber revenue during suspension
• Inability to continue Creator business
• Costs of migrating to alternative platforms
• Legal fees or compliance costs
• Emotional distress or other intangible harms

Pending earnings:

• May be held indefinitely pending regulatory resolution
• May be forfeited if regulatory authority requires
• May be subject to additional withholding or reporting requirements

Compliance Cooperation Required

If Stat Sniper receives regulatory inquiry, investigation, or enforcement action:

You agree to:

• Cooperate fully with any investigation or audit
• Provide requested documentation within specified timeframes
• Cease prohibited activities immediately upon notice
• Comply with any corrective action requirements
• Participate in legal proceedings if required

Failure to cooperate may result in:

• Immediate account termination
• Forfeiture of all pending earnings
• Legal action to compel compliance
• Sharing of your information with regulatory authorities

Indemnification for Regulatory Violations

You agree to indemnify Stat Sniper for regulatory issues arising from your Creator activity, including but not limited to:

• Fines, penalties, or sanctions imposed on Stat Sniper due to your content
• Legal fees defending against regulatory actions related to your conduct
• Settlement costs or judgments arising from your violations
• Compliance costs required to remediate your violations

This indemnification applies even if Stat Sniper approved or failed to remove your content.

Force Majeure

Regulatory actions, court orders, and government mandates constitute force majeure events beyond Stat Sniper's reasonable control.

Stat Sniper's obligations under these Creator Terms are suspended during force majeure events.

Survival

This Section 11B survives termination of these Creator Terms and continues to apply to regulatory actions arising from your past Creator activity.

12. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

No Liability for Betting Losses

Stat Sniper is NOT liable for:

• User betting losses based on Creator picks or analysis
• Financial harm to subscribers from following Creator content
• Inaccurate predictions, analysis, or recommendations
• Third-party sportsbook failures, voided bets, or payout issues

No Liability for Platform Issues

Stat Sniper is NOT liable for:

• Platform downtime, technical errors, or data loss
• Failed payouts due to Stripe or bank issues
• Account suspensions or terminations
• Content removal or moderation decisions

No Liability for Revenue Loss

Stat Sniper is NOT liable for:

• Lost subscriber revenue due to account suspension
• Missed earnings opportunities
• Algorithm changes affecting visibility
• Market changes or competitive pressure

No Liability for Reputational Harm

Stat Sniper is NOT liable for:

• Damage to Creator reputation from negative reviews or subscriber complaints
• Public association with betting or gambling content
• Disclosure of performance data or statistics

No Liability for Third-Party Actions

Stat Sniper is NOT liable for:

• Subscriber chargebacks or payment disputes
• Unauthorized redistribution of your content
• Harassment or abuse from users
• Regulatory actions or legal proceedings

Damages Cap

Our total liability to you shall not exceed the amount we paid you in the previous 3 months.

This cap applies to all claims, whether in contract, tort, or any other legal theory.

Disclaimer of Warranties

THE PLATFORM IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND.

We disclaim all warranties, express or implied, including:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or reliability
• Uninterrupted service

Assumption of Risk

By becoming a Creator, you acknowledge and assume the risk that:

• Betting content may damage your reputation
• Regulatory changes may restrict monetization
• Platform policies may change
• Subscriber dissatisfaction may harm your brand
• Income is variable and not guaranteed

13. INDEMNIFICATION

Your Indemnification Obligations

You agree to defend, indemnify, and hold harmless Stat Sniper, its officers, directors, employees, agents, and affiliates from any claim, demand, lawsuit, or liability arising from:

Creator Content & Picks:

• Your picks, predictions, analysis, or recommendations
• Subscriber losses based on your content
• Misrepresentation of win rates, ROI, or performance
• Alleged "guaranteed" or "risk-free" picks
• Misleading marketing or deceptive advertising

Legal & Regulatory Violations:

• Violation of gambling advertising laws
• FTC violations or deceptive trade practices
• Copyright infringement or IP violations
• Fraud, impersonation, or illegal activity
• Operating in prohibited jurisdictions

Tax & Financial Obligations:

• Failure to pay taxes on Creator earnings
• IRS audits or disputes
• International tax withholding issues

Subscriber Disputes:

• Chargebacks or refund claims
• Harassment or abuse allegations
• Breach of subscriber agreements
• Unauthorized redistribution of content

Third-Party Claims:

• Sportsbook complaints or legal action
• League or team cease-and-desist letters
• Allegations of insider trading or match-fixing

Scope of Indemnification

This indemnification includes:

• Legal fees and costs
• Settlement amounts
• Judgments and damages
• Regulatory fines or penalties

This obligation survives termination of these Creator Terms.

Defense Cooperation

If we are sued or threatened with legal action due to your conduct:

• You will cooperate fully with our defense
• You will provide requested documentation or testimony
• You may be required to participate in mediation or settlement discussions
• You will reimburse our legal costs

14. INDEPENDENT CREATOR STATUS

Not an Employee

You are an independent content provider, NOT:

• An employee of Stat Sniper
• An agent or representative of Stat Sniper
• A partner or joint venturer with Stat Sniper
• A contractor with employer-employee relationship

No Employment Benefits

You are not entitled to:

• Salary, wages, or guaranteed income
• Health insurance or benefits
• Workers' compensation
• Unemployment insurance
• Retirement or pension plans
• Paid time off or sick leave

Tax Treatment

You are responsible for:

• Self-employment taxes (15.3% in US)
• Quarterly estimated tax payments
• Business expense deductions
• Maintaining records for tax purposes

Stat Sniper will NOT:

• Withhold income taxes
• Pay employer-side payroll taxes
• Provide W-2 forms (you receive 1099-K if applicable)

No Authority to Bind Stat Sniper

You may NOT:

• Enter contracts on behalf of Stat Sniper
• Make commitments or representations for Stat Sniper
• Use Stat Sniper's name or brand without permission
• Claim to be an official Stat Sniper representative

Violations may result in immediate termination and legal action.

15. MODIFICATIONS TO CREATOR TERMS

Right to Modify

We may modify these Creator Terms at any time, with or without notice, for reasons including:

• Changes in legal or regulatory requirements
• Platform feature updates or policy changes
• Risk management or fraud prevention needs
• Business model adjustments

Notification of Changes

We will notify you of material changes via:

• Email to your registered email address
• In-app notification or Creator dashboard alert
• Posting updated terms on Platform

Notice provided at least 7 days before effective date for material changes.

Acceptance of Changes

Continued use of monetization features after changes take effect constitutes acceptance.

If you do not agree to modified terms:

• Disable monetization features immediately
• Withdraw available funds
• Close Creator account

Continued monetization after effective date = binding acceptance of new terms.

Non-Material Changes

Minor changes may be made without notice, including:

• Typographical corrections
• Clarifications of existing policies
• Administrative updates

16. GOVERNING LAW & DISPUTE RESOLUTION

Governing Law

These Creator Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles.

You consent to exclusive jurisdiction in Delaware state and federal courts for any disputes not subject to arbitration.

Mandatory Arbitration

All disputes arising from these Creator Terms must be resolved through binding arbitration, not litigation.

Arbitration rules:

• Administered by JAMS (Judicial Arbitration and Mediation Services)
• Governed by JAMS Streamlined Arbitration Rules
• Conducted in English
• Location: Delaware (or remote/virtual if agreed)
• One arbitrator mutually selected or appointed by JAMS

Arbitration Costs

Filing fees and arbitration costs:

• Creator pays JAMS filing fee (typically $250-$1,500 depending on claim amount)
• Each party pays own attorney fees unless arbitrator awards fees to prevailing party
• Stat Sniper pays arbitrator compensation (unless Creator is prevailing party)

Small Claims Court Exception

Claims under $10,000 may be brought in small claims court instead of arbitration, at either party's option.

Injunctive Relief Exception

Stat Sniper may seek injunctive relief in court (without arbitration) for:

• Intellectual property violations (copyright, trademark infringement)
• Breach of confidentiality or trade secret misappropriation
• Violations of content prohibitions posing immediate harm (e.g., illegal content, threats)
• Circumvention of technological protection measures

Class Action Waiver

YOU WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN CLASS ACTIONS, CLASS ARBITRATIONS, OR REPRESENTATIVE ACTIONS.

All disputes must be brought individually, not on behalf of a group.

Jury Trial Waiver

YOU WAIVE THE RIGHT TO A JURY TRIAL for any disputes not subject to arbitration.

17. SEVERABILITY & ENTIRE AGREEMENT

Severability

If any provision of these Creator Terms is found invalid or unenforceable:

• That provision is severed
• Remaining provisions remain in full force
• Invalid provision replaced with enforceable provision achieving similar intent

Entire Agreement

These Creator Terms, together with:

• Stat Sniper Terms of Service
• Stat Sniper Privacy Policy
• Stripe Connected Account Agreement

...constitute the entire agreement between you and Stat Sniper.

No other agreements, representations, or warranties apply unless in writing and signed by authorized Stat Sniper representative.

No Waiver

Failure to enforce any provision does not waive our right to enforce it later.

Waiver of any breach does not waive future breaches.

18. CONTACT & NOTICES

Questions or Concerns

Contact us at:

• Email: [email protected]
• Support: https://statsniper.com/creator-support

Legal Notices

Send legal notices to:

Stat Sniper, Inc.
Attn: Legal Department
4695 MacArthur Court, Suite 1100
Newport Beach, CA 92660
Email: [email protected]

Notices are effective:

• Email: Upon delivery (receipt confirmation)
• Mail: 3 business days after postmark

19. ACKNOWLEDGMENT & ACCEPTANCE

BY ENABLING CREATOR MONETIZATION FEATURES, YOU ACKNOWLEDGE THAT:

• You have read and understood these Creator Terms
• You agree to be legally bound by these terms
• You are at least 21 years old and eligible to become a Creator under Section 2
• You will comply with all content rules and prohibited conduct
• You understand betting involves financial risk and users may lose money
• You are solely responsible for taxes on your earnings
• You authorize Stripe to process payments and transfer funds
• You accept the revenue share and fee structure
• You waive the right to class actions and jury trial
• You will indemnify Stat Sniper for claims arising from your content

Last Updated: February 16, 2026

Effective Date: February 16, 2026

END OF CREATOR TERMS OF SERVICE