CREATOR TERMS OF SERVICE

Stat Sniper, IncEffective February 16, 2026

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:

Monthly Subscriptions — recurring access to private feed content
Pay-Per-Post (PPV) — one-time purchase of individual picks or analysis
Bundled Packages — multi-post or time-limited access bundles
Private Feed Access — exclusive content stream for paying subscribers
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:

Stat Sniper Platform Fee: 18% of gross transaction amount
Chargebacks: Full transaction amount (you refund the subscriber; Stat Sniper covers the $15 Stripe dispute fee)
Refunds: Full or partial refund amount as per Section 9
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:

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
Fraudulent Creator activity: Creator impersonating another person; Fake performance records discovered; Misleading marketing or false advertising verified
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:

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:

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

Submitting written appeal to creators@statsniper.com
Providing supporting documentation or evidence
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.