IMPORTANT — ACCEPTANCE GATE: You must read and accept this Agreement before completing Stripe Connect onboarding. Acceptance is recorded with a timestamp and your IP address. Do not begin the onboarding flow until you have read this Agreement in full. This Agreement forms a binding contract between you (the Creator) and Steelo Labs Ltd. It supplements and incorporates the Steez Terms of Service, which you already accepted. In the event of conflict, this Agreement takes precedence over the Terms of Service on matters of creator earnings, payouts, and platform fees.

Creator Terms & Earnings Agreement

Version: Launch Suite vL1 (rev. 8.1) · Effective date: 29 September 2026

Steelo Labs Ltd (a company incorporated in England and Wales) Registered office: Steelo Labs Ltd, 3 Harebell Close, Hamilton, Leicester, England, LE5 1UX Company number: 15553648 Email: support@steez.space

Steez is the creator/fan platform operated by Steelo Labs Ltd. The product is Steez; the company is Steelo Labs Ltd. Our company domain is steelo.io and our product domain is steez.space (used interchangeably; we prefer steez.space for user-facing material).

Availability. Steez's paid creator features are offered in our supported territories — the UK and US at launch — expanding as we complete each territory's legal requirements (Terms of Service §2.1). Where the mandatory law of your country of habitual residence or establishment gives you rights or protections that cannot be excluded or limited by agreement, those mandatory rights prevail over any conflicting term of this Agreement (see Clauses 28 and 30).

Definitions
Who This Agreement Applies To
Incorporation of Terms of Service
Stripe Connect: Your Stripe Relationship
Know-Your-Customer (KYC) and Identity Verification
Royalty Rates and Platform Fee
How Fans Pay
Payouts
Creator tips and platform-support payments
Chargebacks, Disputes, and Negative Balances
Refund Policy
Content Licence
The Nature of a Steez and of Content Unlocks
Creator Warranties
Music Rights Warranties
Creator Indemnity
Prohibited Content and Restricted Activities
Principal Supply and Payment
Platform-to-Business (P2B) Rights
Independent Contractor Status
Tax Obligations and HMRC Reporting
Team Members and Referrals
Off-Platform Circumvention
Term, Suspension, and Termination
Effect of Termination on Earned Funds
Share-Clip Export Licence
Variation
Disputes
Governing Law
Mandatory Local Rights and International Users
General

1. Definitions

In this Agreement, the following words have the meanings set out below.

"Agreement" means these Creator Terms & Earnings Agreement, as updated from time to time in accordance with Clause 27.

"Chargeback" means a demand from a card issuer or payment processor to reverse a transaction, arising from a fan dispute, fraudulent transaction, or payment error.

"Payout Account" means your Stripe payout account (a Stripe Express account) created through the platform during onboarding, used only to receive royalty payments from Steelo Labs. No fan payment is paid or credited to it.

"Content" means any video, audio, image, text, or other material you upload, post, or make available on Steez.

"Content Collection" means a themed grouping of Content items that fans may unlock as a set at a price you set within the permitted bands.

"Content Unlock" means a one-off purchase by a fan granting them a personal, non-transferable licence to access a specific item or Content Collection, as described in Clause 13.

"Creator" means you: the individual or entity who has been accepted onto the Steez creator programme and accepted this Agreement.

"Creator Subscription" means a recurring subscription a fan purchases to access your subscriber-only content at a price you set within the permitted bands.

"Fan Charge" means a charge for a paid product created on Steelo Labs' Stripe platform account through the Stripe checkout reached from our website, whichever device the fan uses, on which Steelo Labs is the principal seller. The specific payment-processor configuration used to create a Fan Charge, and the rails used to remit your royalty, may vary over time; a Fan Charge does not designate you as merchant of record, does not create a charge on your behalf, and gives you no proprietary interest in any fan payment (Clauses 4.7, 6.4 and 18).

"Earnings" means the royalty owed to you by Steelo Labs, calculated at the Royalty Rate by reference to the Net-of-VAT Amount of Fan Charges for your products in accordance with Clauses 6 and 7, and recorded in your accrued royalty balance. Earnings are royalty and licence income for the content and rights you license to Steelo Labs under this Agreement; they are not wages, salary, or other employment income, and nothing in this Agreement creates a contract of employment, worker, or agency relationship between you and Steelo Labs.

"Exclusive Content" means Content you make available only to fans who have purchased a Creator Subscription, a Content Unlock, a Content Collection, or a Steez giving access to it (for example, Mosaic exclusives or Village community content).

"Fan" means a user of the Steez platform who is not onboarded as a creator and who purchases or accesses creator content.

"First-Hand Sale" means a sale by Steelo Labs Ltd, as principal supplier, to a fan of a Steez associated with you and incorporating access licensed by you to Steelo Labs under this Agreement.

"HMRC DPR" means the Platform Operators (Due Diligence and Reporting Requirements) Regulations 2023 (SI 2023/817), implementing the OECD Model Rules for Reporting by Digital Platform Operators.

"Net-of-VAT Amount" means the gross fan payment minus any VAT (or equivalent sales/consumption tax) for which it is accounted, being the net price by reference to which your royalty is calculated under Clause 6.2.

"P2B Regulation" means Regulation (EU) 2019/1150 as retained in UK law by the European Union (Withdrawal) Act 2018 and enforced by the Online Intermediation Services for Business Users (Enforcement) Regulations 2020 (SI 2020/609).

"Platform Fee" means the percentage of the Net-of-VAT Amount retained by Steelo Labs as described in Clause 6.

"PRO" means a performing-rights or rights-management organisation or collecting society anywhere in the world (for example, PRS for Music, MCPS, or PPL in the United Kingdom; ASCAP, BMI, or SESAC in the United States; GEMA, SACEM, or similar bodies in the European Union).

"PSR 2017" means the Payment Services Regulations 2017 (SI 2017/752).

"Restricted Businesses List" means Stripe's published list of prohibited and restricted business activities, available at stripe.com/legal/restricted-businesses, as updated from time to time.

"Royalty Rate" means the percentage in the table in Clause 6.2 which, applied to the Net-of-VAT Amount of a Fan Charge, gives the royalty Steelo Labs owes you for it.

"Share Clip" means a short excerpt from your Content, generated and watermarked by the platform, that may be distributed externally via social media or other channels as described in Clause 26.

"Steez" means a personal licence (a "key") purchased by a fan giving access to specific things you choose to offer that fan — for example, Mosaic exclusives, Village community access, and creator-picked Perks — as described in Clause 13. A Steez is personal, non-transferable, and non-resellable. A Steez is not a financial asset, security, investment, e-money, stored value, deposit, trust asset, ownership interest, share in Steelo Labs, or share in creator or platform revenue.

"Stripe" means Stripe Payments Europe Ltd, with registered address at The One Building, 1 Grand Canal Street Lower, Dublin 2, Ireland; the entity through which Steelo Labs operates its payment infrastructure (together with Stripe Payments UK Ltd where UK Financial Services Terms apply — see Clause 4.4), and, where the Stripe Connected Account Agreement so provides for your country of residence, the applicable local Stripe contracting entity (for creators in the United States, Stripe, Inc. and Stripe Payments Company).

"Stripe Connected Account Agreement" means the Stripe Connected Account Agreement currently available at stripe.com/legal/connect-account, as updated from time to time.

"Stripe Services Agreement" means the Stripe Services Agreement currently available at stripe.com/legal/ssa, as updated from time to time.

"Terms of Service" means the Steez Terms of Service, currently available at steez.space/terms.

"VAT" means UK value added tax and, where the context requires, any equivalent value added tax, goods and services tax (GST), or sales/consumption tax imposed in any other jurisdiction.

"we", "us", "our" means Steelo Labs Ltd.

"you", "your" means the Creator.

2. Who This Agreement Applies To

2.1 This Agreement applies to you if:

(a) you have applied to become a monetising creator on Steez and Steelo Labs has accepted your application; and

(b) you are proceeding to connect a Stripe Express account through the Steez platform.

2.2 Strictly 18+. You must be aged 18 or over to enter this Agreement and to use the creator monetisation features of Steez. By accepting this Agreement, you confirm that you are at least 18 years old. We are implementing age-assurance measures appropriate to the risk; self-declaration of age alone is not sufficient, and we may require you to complete an age-assurance check.

2.3 You must not be a resident of, or be acting on behalf of a person established in, a jurisdiction in which Stripe's services are not available or which would make this Agreement unlawful. Subject to that, the creator monetisation features are available in our supported territories (the UK and US at launch — Terms of Service §2.1), expanding as we complete each territory's requirements.

2.4 Monetisation is for business-capacity creators only. (a) To use the creator monetisation features and earn under this Agreement, you must be acting in the course of a trade, business, craft, or profession (a "Business Creator"), and by accepting this Agreement you confirm that status and agree to keep it current. (b) A "Consumer Creator" means an individual who is not acting in the course of a trade, business, craft, or profession (for example, a hobbyist creator). A Consumer Creator may use non-monetised creator features but may not sell paid access or earn under this Agreement. Any statutory protection that cannot lawfully be excluded continues to apply to an individual regardless of how they are described (in particular Clauses 16.3, 28, and 29–30). Steelo Labs applies the P2B Regulation protections to monetising creators to the extent that Regulation applies (Clause 19).

3. Incorporation of Terms of Service

3.1 This Agreement incorporates by reference and supplements the Steez Terms of Service. You must have accepted the Terms of Service before accepting this Agreement.

3.2 Precedence. In the event of any conflict or inconsistency between this Agreement and the Terms of Service on matters of creator earnings, payouts, platform fees, content licensing by creators, creator warranties, or dispute resolution for creator-platform disputes, this Agreement takes precedence to the extent of the inconsistency.

3.3 Capitalised terms used in this Agreement that are not defined here carry the meanings given to them in the Terms of Service.

3.4 This Agreement should also be read alongside the following platform documents. The Acceptable Use & Community Guidelines, the Refund & Cancellation Policy, and the Copyright & Takedown Policy are incorporated by reference (each subject to confirmation of its final published URL). The Privacy Policy is a transparency notice provided for your information: it is not incorporated as a contractual obligation on you and does not impose terms you must comply with (Terms of Service §33.1A).

Privacy Policy (steez.space/privacy) — transparency notice, not incorporated
Acceptable Use & Community Guidelines (steez.space/community-guidelines)
Refund & Cancellation Policy (steez.space/refunds)
Copyright & Takedown Policy (steez.space/copyright)

4. Stripe Connect: Your Stripe Relationship

What this section says: You will open a Stripe Express account. Stripe's own terms bind you directly. Stripe handles your identity verification and pays you. We are not a bank or payment institution; Stripe is.

4.1 Stripe Express accounts. Steez uses Stripe Connect Express to enable creator payouts. By proceeding through the onboarding flow, you will create your Stripe payout account (a Stripe Express account). The applicable Stripe agreement type is the full service agreement, meaning you contract directly with the applicable Stripe contracting entity for your country of residence (see Clause 4.4) as well as with us.

4.2 Stripe Connected Account Agreement — incorporation. Your use of the payment and payout features of Steez is subject to the Stripe Connected Account Agreement (currently at stripe.com/legal/connect-account). By accepting this Agreement, you agree to be bound by the Stripe Connected Account Agreement, as Stripe may modify it from time to time. If there is a conflict between this Agreement and the Stripe Connected Account Agreement on any matter governed by Stripe's terms, the Stripe Connected Account Agreement prevails on that matter.

4.3 Stripe's privacy practices — disclosure. Stripe processes your personal data as an independent data controller in order to provide its services, including identity verification, fraud prevention, and payment processing. You can read about how Stripe collects, uses, and shares your personal data in Stripe's Privacy Policy at stripe.com/privacy. Steelo Labs has no control over Stripe's data processing as an independent controller.

4.4 Acquirer disclosure — clear and conspicuous. Payouts to your Stripe payout account are processed by Stripe Payments Europe Ltd (registered address: The One Building, 1 Grand Canal Street Lower, Dublin 2, Ireland; authorised e-money institution regulated by the Central Bank of Ireland), which is the counterparty to the Connected Account Agreement (CAA) under which your Stripe payout account operates. In addition, where UK Financial Services Terms apply to your account, Stripe Payments UK Ltd (FCA Financial Reference Number 900461) is an additional party to those terms as the FCA-authorised e-money institution responsible for the regulated payment services element in the United Kingdom. For creators resident in the United States, the counterparty to the Connected Account Agreement is the applicable US Stripe entity identified in that agreement (Stripe, Inc., with payment services provided by Stripe Payments Company), rather than Stripe Payments Europe Ltd; the disclosures in this clause otherwise apply equally. Stripe acts as the acquirer and payment processor for transactions on the Steez platform. Fan charges are made on Steelo Labs' Stripe platform account as principal seller; no fan charge is created on your behalf, and you are not the merchant of record, settlement merchant, or supplier for the fan transaction.

4.5 Service-agreement type is irreversible. Once you have accepted the Stripe Connected Account Agreement during onboarding, the service-agreement type (full service agreement) cannot be changed. This determines the nature of your relationship with Stripe for the life of your Stripe payout account.

4.6 Steelo Labs' role. We are a technology platform and the principal supplier of paid products to fans (Clause 18). Stripe processes every fan payment, through the Stripe checkout reached from our website, whichever device the fan uses. Whether Steelo Labs requires any payment-services authorisation or registration for the implemented flow of funds is subject to the perimeter assessment in Clause 18.4; this Agreement does not assert any exclusion as a concluded fact.

4.7 Payment configuration — you are not the seller or the payee. Fans buy every paid product from Steelo Labs Ltd, which sells as principal in its own name and sets the terms of sale. You are not the seller, merchant of record or payee of any fan payment, and a fan owes you nothing. All fan payments are taken on Steelo Labs' own Stripe account and settle to Steelo Labs; no part of any fan payment is routed or allocated to you. Fan Charges are created on Steelo Labs' Stripe platform account as principal seller, using a configuration that does not designate you as the merchant of record or settlement merchant for the fan transaction and does not create a fan charge on your behalf. Steelo Labs pays your contractual royalty from its own funds as a separate step after the fan sale, once the conditions in Clauses 8 and 18.4 are met; the payment rails used to remit it may vary over time and are payout infrastructure only. Any such remittance is Steelo Labs discharging its own royalty debt to you — not collection of money belonging to you — gives you no proprietary interest in any fan payment, and does not make you the fan-facing trader or supplier. Steelo Labs Ltd is the trader and supplier to fans (Terms of Service §7.1); you license your content, and the access it unlocks, to Steelo Labs and receive a contractual royalty under this Agreement. You accept the tax-reporting obligations in Clause 21 in respect of your royalty income.

5. Know-Your-Customer (KYC) and Identity Verification

What this section says: Stripe verifies your identity. You must complete this honestly. If Stripe blocks or suspends your account, we cannot override that decision.

5.1 KYC performed by Stripe. Identity verification, anti-money-laundering checks, and ongoing monitoring are performed exclusively by Stripe as part of the Stripe Express onboarding flow. We do not independently conduct identity verification.

5.2 Your obligations. You must:

(a) provide accurate, complete, and up-to-date information to Stripe during onboarding and whenever Stripe requests updated verification;

(b) promptly respond to any request from Stripe for additional documents or information;

(d) comply with all KYC/AML requirements imposed by Stripe from time to time.

5.3 Consequences of non-compliance. If you fail to complete or maintain KYC requirements, Stripe may suspend your ability to receive payouts or close your Payout Account. In such circumstances:

(a) we will suspend your access to creator monetisation features on Steez until the matter is resolved with Stripe;

(b) royalties already paid to your Payout Account are subject to Stripe's terms, and royalties still accrued with us remain owed to you and are paid once the matter is resolved (Clause 25); and

5.4 Steelo Labs' limited liability. We are not responsible for any decision Stripe makes regarding your identity verification, account eligibility, or payout restrictions. Such decisions are made by Stripe acting as an independent regulated entity under its own legal obligations.

5.5 Tax identification. Where the law requires us to collect it (Clause 21.3), you must supply accurate tax-identification information (National Insurance number, Unique Taxpayer Reference, or, for non-UK creators, your Tax Identification Number and country of residence). We collect it only when and to the extent the law requires.

6. Royalty Rates and Platform Fee

What this section says: Steelo Labs sells to the fan and owes you a royalty calculated by reference to the net price (the price less any VAT). The royalty rate depends on the product type and is the same whichever device the fan buys from — see Clause 7.

6.1 VAT treatment

(a) Deemed-supplier position. As the platform that sets price tiers, authorises payment, and delivers content, Steelo Labs may be treated as the "deemed supplier" of the digital content to fans for UK VAT purposes (consistent with VATA 1994 s.47(4) and the principles in Fenix International Ltd v HMRC (Case C-695/20)). The position in other territories depends on each jurisdiction's own rules (for example US state marketplace-facilitator statutes), which are not the same concept; no single deemed-supplier or marketplace-facilitator conclusion is asserted for every jurisdiction. No app store is involved in any Fan Charge, so no app store accounts for tax on your sales. Where VAT is due, it is accounted for on the gross fan payment, and your royalty under Clause 6.2 is calculated by reference to the Net-of-VAT Amount (the gross fan payment minus the applicable VAT).

(b) VAT-inclusive pricing. Where VAT applies, advertised consumer prices on Steez are VAT-inclusive.

(c) Registration and gross-up. Steelo Labs does not assert any current VAT/GST registration in this Agreement. Our posture is to register in each jurisdiction as and when that jurisdiction's registration threshold for our supplies is crossed (noting that some jurisdictions impose VAT/GST on foreign digital suppliers with a zero threshold). When a jurisdiction's threshold is crossed and VAT becomes due there, we may gross up advertised prices by the applicable VAT rate so that the net price by reference to which your royalty is calculated is preserved; alternatively, where prices are not grossed up, VAT is accounted for out of the gross fan payment before your royalty is calculated. Multi-jurisdiction VAT/GST registration and rate-alignment work is in progress.

Example (UK, VAT applicable): a fan pays £10.00 for a Content Unlock. The Net-of-VAT Amount is £10.00 / 1.20 = £8.33 (precisely £8.3333). Your royalty is 80% of the precise £8.3333 Net-of-VAT Amount, £6.67, and Steelo Labs keeps the rest of the price (£1.67 before Stripe processing fees; figures rounded to the nearest penny). Where a jurisdiction's threshold has not been crossed and no VAT is accounted, your royalty is calculated on the full price.

6.2 Fee schedule

Product	Royalty Rate (owed to you)	Platform Fee (kept by Steelo Labs)	Notes
Creator Subscription	80%	20%	Calculated by reference to the Net-of-VAT Amount
Content Unlock / Content Collection	80%	20%	Calculated by reference to the Net-of-VAT Amount
Steez (First-Hand Sale)	80%	20%	Calculated by reference to the Net-of-VAT Amount. Fixed first-hand price £30.

The above fee schedule is confirmed: creator subscriptions, content collections, and Steez First-Hand Sales all carry an 80% Royalty Rate calculated by reference to the Net-of-VAT Amount, and Steelo Labs keeps a 20% Platform Fee. The Platform Fee is charged on the access, exclusivity, and peripheral value the creator chooses to offer; Steelo Labs does not rely on how its fees are characterised as a defence to any rights-holder's claim (see Clause 15).

6.3 Stripe processing fees

Fee waterfall (one order for every transaction): gross price → deduct VAT or other tax where it is accounted for → calculate your royalty at the Royalty Rate (80% for subscriptions, content collections, and first-hand Steez) by reference to the resulting net amount → the Stripe processing fee is allocated to Steelo Labs as principal and is not deducted from the net amount by reference to which your royalty is calculated. Consistent with Clause 10.1, Steelo Labs bears Stripe's ordinary processing fees on fan transactions; we do not deduct them from your royalty or pass them through to you, and we do not mark them up. Stripe's own processing fees (as at July 2026, approximately 1.5% + 20p per UK card transaction, with different rates for non-UK cards and currencies — a dated, non-binding illustration only) are published at stripe.com/pricing; the fees actually charged for a transaction under the applicable Stripe agreement govern.

6.4 Platform Fee and royalty settlement

Steelo Labs receives the fan payment as principal and retains its Platform Fee. Your contractual royalty is an unsecured debt owed by Steelo Labs, paid from Steelo Labs' own funds as a separate step after applicable tax, refunds and adjustments, once the payout conditions in Clauses 8 and 18.4 are met. It is not the fan's money, is not held on trust or in a wallet for you, and gives you no proprietary interest in any fan receipt (Clauses 4.7 and 18.2). The specific payment-processor rails used to remit your royalty may vary over time and confer no such interest.

6.5 Price bands and creator pricing control

(a) Steelo Labs sets the price at which it sells each product. For Creator Subscriptions, Content Unlocks and Content Collections, Steelo Labs will adopt the price you select from within the bands it publishes in the platform's pricing guide, and may decline, adjust or override a selection. Selecting a price does not make you the seller or give you any interest in the fan's payment. We may update the permitted bands with at least 15 days' notice (Clause 27).

(b) Steez pricing — fixed first-hand. A first-hand Steez is sold at a fixed first-hand price of £30, whichever device the fan uses; you do not set the first-hand price. A Steez is non-transferable and non-resellable (see Clause 13). The first-hand price is fixed and is not influenced by demand.

(c) No minimum output. You are not required to post any minimum volume of content, to maintain any subscription price for any minimum period, or to meet any earnings or engagement target, beyond any commitment you have voluntarily communicated to your subscribers (Clause 20).

6.6 One price on every device

Every fan pays the same price for the same Content Unlock, Creator Subscription or Steez, whichever device they use, because every purchase goes through the same Stripe checkout, reached from our website. Prices are set and charged in pounds sterling (GBP), including for fans in the United States, and your royalty is calculated and paid in GBP. The price shown at checkout before purchase is the operative consumer price.

7. How Fans Pay

What this section says: Fans pay Steelo Labs through Stripe's secure checkout, reached from our website, whichever device they use. The apps do not take payments and do not sell through Apple or Google. Your royalty is worked out the same way for every sale, and sales and payouts on each payment channel open only once the Clause 18.4 assessment for it is approved.

7.1 One checkout. Paid products are sold only on the Steez website. Every Fan Charge for your products is taken through Stripe's secure checkout, reached from our website, whichever device the fan uses (Terms of Service §8.2). The Steez apps do not take payments.

7.2 Steelo Labs is the seller. Steelo Labs is the principal seller and merchant for every Fan Charge (Clauses 4.7 and 18). No app store takes a commission, so nothing is deducted before your royalty is calculated other than the tax, refund and adjustment steps in Clause 6.

7.3 Payment channel. Clause 18.4 gates creator-monetised sales and payouts separately for each payment channel (web, Android app and iPhone app). Because the apps do not take payments, every Fan Charge is currently made on the web channel, whichever device the fan is holding. The channel does not change the price or your royalty rate.

7.4 Earnings calculation. Your royalty for every Fan Charge is calculated at the Royalty Rate (Clause 6.2) by reference to the Net-of-VAT Amount, using the fee waterfall in Clause 6. There is no separate calculation for any device.

7.5 App-store billing. We do not sell your products through Apple's or Google's in-app purchase systems. If app-store billing is introduced later, we will first update this Agreement under Clause 27, set out how royalties on those sales are calculated, and meet Clause 18.4 for that route before enabling it. No such change will reduce your accrued Earnings.

7.6 Tax on Fan Charges. Steelo Labs accounts for any consumer tax due on a Fan Charge, and your royalty is calculated on the amount after that tax (the Net-of-VAT Amount, Clause 6). While no consumer tax is accounted on a sale, the Net-of-VAT Amount is the full price paid.

7.7 Tips and platform-support payments. Creator tips are not offered at launch. A separate, optional platform-support payment to Steelo Labs ("Support Steelo" — a voluntary payment to Steelo Labs, not a charity donation and not a creator tip) is offered; it is retained 100% by Steelo Labs and is not a payment to or for any creator. See Clause 9 and the Terms of Service clause 6.8.

7.8 Payment methods may change. We may change the payment methods offered to fans over time. Any material change will be notified in accordance with Clause 27, a new route will meet Clause 18.4 before it is enabled, and no change will reduce your accrued Earnings.

8. Payouts

What this section says: Once a payout is initiated, funds typically reach your bank within 2 to 7 business days. There is a minimum balance threshold of £10 before a payout is released. We can delay or withhold payouts if there are disputes or fraud concerns — we explain when and why below.

8.1 Payout schedule. Once the payout conditions in Clauses 8 and 18.4 are met and your balance exceeds the minimum threshold (Clause 8.2), Steelo Labs initiates a payout of your Earnings. Funds are typically available in your nominated bank account within 2 to 7 business days of a payout being initiated, subject to the payout provider's current timing for your region and account type; the payment rails used may vary by channel. We do not guarantee faster settlement than the payout provider's standard schedule. Actual timing may vary based on the provider's rolling review of your account, your bank's processing times, and other factors outside our control.

8.2 Minimum payout threshold. Royalties accrue to your royalty account with Steelo Labs (a record in Steelo Labs' own ledger, not an account holding money for you) and are paid in arrears as a single aggregated payment per settlement period once your accrued royalty balance (settled Earnings only, Clause 8.2A) exceeds £10.00 (the "minimum payout threshold"), after any holds, refunds, chargebacks and set-off. Sub-threshold balances accumulate until the threshold is met. We may update this threshold with at least 15 days' notice (Clause 27).

8.2A When Earnings become settled. Earnings from a Creator Subscription payment become settled, and count towards the threshold, once the fan's 14-day cancellation period for that payment has passed, because a fan who cancels in that period may be owed a refund (Terms of Service §9.6). Earnings from a Content Unlock or a first-hand Steez become settled when the sale completes, because the fan gives up the cancellation right for immediate access at checkout. In either case we may hold an Earnings amount that is the subject of a dispute, chargeback or correction until it is resolved (Clauses 10 and 11).

8.3 Delay and withholding rights. We may delay or withhold payment of your Earnings (and Stripe may delay a payout to your bank under its own terms) in the following circumstances:

(a) there is an open or pending chargeback, dispute, or fraud investigation relating to Fan Charges for your products;

(b) we have reasonable grounds to believe that your account has been used for fraudulent activity, money laundering, or breach of this Agreement or the Stripe Restricted Businesses List;

(d) you have not completed KYC requirements (Clause 5);

(e) you have not supplied required tax-identification information (Clause 21);

(f) we receive a legal demand, court order, or regulatory requirement to hold funds; or

(g) your account is under investigation for serious breach of the Acceptable Use & Community Guidelines.

8.4 Stripe's role after we pay. Your royalty remains Steelo Labs' debt to you until we pay it to your Payout Account. Once paid, delivery from your Payout Account to your bank is governed by the Stripe Connected Account Agreement, and Steelo Labs is not a guarantor of Stripe's obligations, except to the extent a delay was caused by an unjustified instruction from us.

8.5 Notification of delays. If we withhold or delay your payout for reasons within our control (as opposed to Stripe's standard compliance review), we will notify you of the reason and the expected duration within 5 business days of the instruction, unless we are legally prevented from doing so.

9. Creator tips and platform-support payments

What this section says: Creator tipping is not offered at launch. A separate, optional payment to support Steelo Labs ("Support Steelo" — a voluntary payment to Steelo Labs, not a charity donation and not a creator tip) is offered; it is kept 100% by Steelo Labs and is not a creator payment. Creator tipping, if added later, will have separate terms on notice.

9.1 Creator tips are not offered. Fan-to-creator and creator-to-creator tipping is not part of the Steez launch product and is not currently offered. You have no entitlement to, and shall make no claim in respect of, any creator tip.

9.1A Platform-support payment (distinct from a creator tip). A separate, optional voluntary payment to support Steelo Labs ("Support Steelo" — a voluntary payment to Steelo Labs, not a charity donation and not a creator tip) is offered through the Stripe checkout reached from the Steez website. Any such payment is retained 100% by Steelo Labs, is not a payment to or for any creator, and gives the payer no additional access or entitlement. Its VAT treatment is determined under the applicable tax rules. Fan-facing terms are in the Terms of Service (clause 6.8) and the Refund & Cancellation Policy.

9.2 If we introduce any creator-tipping feature in the future, it will be a separate money flow governed by separate terms added to this Agreement on at least 15 days' advance notice (Clause 27). Until then, no creator-tipping feature exists, and you have no entitlement to, and shall make no claim in respect of, any creator tip.

10. Chargebacks, Disputes, and Negative Balances

What this section says: Steelo Labs is the principal seller and bears ordinary payment fees, consumer refunds, and chargebacks. We recover an amount from you only where the loss was caused by your fraud, breach, misdescription, or a failure of your Content to meet your warranties — and then only after we give you the evidence and a fair chance to challenge it, capped at the royalty for that transaction plus any directly attributable dispute fee. We recover an amount you genuinely owe first by set-off against your future royalties, and only then by other routes.

10.1 Chargeback and refund risk sits with Steelo Labs as principal. As principal seller, Steelo Labs bears ordinary payment-processing fees, consumer refunds, and chargebacks arising on fan transactions (consistent with how Stripe debits the platform balance for these). We may recover an amount from you only to the extent the loss was directly caused by your fraud, knowing or reckless breach, misdescription, infringement, or the failure of your Content to conform to your warranties. Before any permanent deduction or clawback we will give you written reasons, the evidence relied on, and a reasonable opportunity to dispute the allocation (Clauses 11.4 and 28.1). Recovery is ordinarily limited to the royalty paid or credited for the affected transaction plus any directly attributable third-party dispute fee. Steelo Labs will not retain its Platform Fee while charging you the full refunded consumer price.

10.2 Refunds not attributable to you. Where a refund or chargeback is not attributable to your breach (Clause 11.4), Steelo Labs bears it as principal: no amount is clawed back from your Earnings, and we do not retain our Platform Fee at your expense. Where it is attributable to your breach, recovery is limited as set out in Clause 10.1.

10.3 Dispute fees. A dispute fee may be charged per chargeback. As principal, Steelo Labs bears the dispute fee (Stripe debits our platform balance for disputes on Fan Charges); we may recover it from you only where the dispute is attributable to your breach, on the evidence-and-notice basis in Clause 10.1.

10.4 Recovery of amounts you owe — set-off first. Where Clause 10.1 establishes that you owe an amount (a loss attributable to your proven fraud, breach, misdescription, or warranty failure), including where the royalty for a refunded or charged-back sale has already been paid out to you:

(a) Steelo Labs recovers it first by set-off against your accrued and future Earnings (Clause 10.5), and tells you the amount and the sale it relates to;

(b) only if set-off has not recovered it within 90 days may we reverse the corresponding royalty payment through Stripe or invoice you for the outstanding amount, which then becomes payable; and

(c) continued failure to repay an amount you genuinely owe under Clause 10.1 is grounds for suspension and termination of your account (Clause 24).

We do not pursue you for refunds, chargebacks, or fees that Steelo Labs bears as principal under Clause 10.1.

10.5 Set-off and recoupment. We have the right to set off, deduct, or withhold from future Earnings payable to you any of the following amounts:

(a) amounts charged back or refunded relating to your Content only to the extent recoverable from you under Clauses 10.1 and 11.4 (that is, where the loss was attributable to your fraud, breach, misdescription, or warranty failure, on the evidence-and-notice basis in those Clauses); we do not set off refunds or chargebacks that Steelo Labs bears as principal;

(b) amounts you owe under Clause 10.4;

(d) amounts arising from your breach of this Agreement; and

(e) any other debt lawfully owed by you to Steelo Labs.

10.6 Indemnity for chargeback costs. You agree to indemnify Steelo Labs for any losses, dispute fees, fines, or costs imposed on us by Stripe, card networks, or payment processors arising from chargebacks, fraudulent transactions, or your misuse of the platform's payment or payout features. This indemnity is subject to the consumer-creator limitation in Clause 16.3.

10.7 Steelo Labs dispute assistance. We will provide you with reasonable information to assist you in responding to chargebacks where we hold relevant records (such as access logs, transaction data, or accepted-terms records). We do not guarantee the outcome of any chargeback dispute.

11. Refund Policy

What this section says: Fans have statutory rights to remedies for digital content that does not work as described, and those rights are honoured immediately. This section explains who bears the cost of a refund as between you and us — but that internal split never delays or denies a fan's legal right.

11.1 Cross-reference. Refund and cancellation rights for fans are described in detail in the Steez Refund & Cancellation Policy (steez.space/refunds). This Clause sets out how refunds affect your Earnings.

11.2 Statutory refund rights cannot be excluded. Fans have statutory rights — under the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 in the UK, and under equivalent mandatory consumer law in other jurisdictions — to remedies (such as repair, replacement, price reduction, or refund) for digital content that is faulty, not as described, not of satisfactory quality, or not delivered. We cannot and do not exclude these rights, and neither can you through any communications with fans.

11.3 Consumer's statutory remedy is honoured without undue delay, never conditioned on internal allocation. Where a fan is entitled to a statutory remedy (for example, content not delivered or not as described), Steelo Labs honours that remedy to the consumer without undue delay and within the applicable statutory deadline. The allocation of cost between Steelo Labs and you set out in Clause 11.4 is an internal platform-to-creator allocation only. It does not, and may never be used to, delay, reduce, condition, or deny a fan's statutory consumer right.

11.4 Refund funding — determined by actual cause, with safeguards.

(a) Cause-based, not creator-default. Responsibility for a refund is determined from the actual cause. A permanent clawback from your Earnings requires reasonable evidence that the refund resulted from your breach — for example, where your Content did not match its description, where you hid or disabled it in breach of Clause 12.4, or where it was removed following a copyright or legal complaint attributable to your breach of warranty — together with notice of that evidence to you and a fair opportunity to challenge the allocation (Clause 28.1). A provisional withholding may be made where reasonably necessary pending that process.

(b) Platform-fault and unestablished fault. Where a refund arises from a technical failure, error, or act attributable to Steelo Labs (and not to your Content), or where creator fault cannot reasonably be established, Steelo Labs bears the refund as principal and no clawback is made from your Earnings.

(c) Goodwill refunds. Discretionary refunds granted by Steelo Labs as a matter of goodwill (not because of legal entitlement or fault) are funded by Steelo Labs. No clawback from your Earnings.

11.5 No self-service refund path. There is currently no self-service refund mechanism for fans on Steez. Refund requests are processed by the Steelo Labs support team. This does not affect fans' statutory rights, which are honoured per Clause 11.3.

11.6 Card chargebacks. If a fan's card issuer reverses a Fan Charge (a chargeback), Steelo Labs handles the dispute with Stripe. A chargeback that Steelo Labs loses is treated like a refund: your royalty for that sale may be recovered under Clauses 10.4 and 10.5 (set-off first), subject to the same creator-fault/platform-fault allocation in Clause 11.4.

12. Content Licence

What this section says: You keep ownership of your content. You give us a licence to host, display, and promote it on Steez and to generate short clips for sharing. You can hide your content from new sales, but fans who already paid for exclusive content keep their access, and the licence survives for some purposes even after you stop offering it.

12.1 Licence grant. By uploading or posting any Content on Steez, you grant Steelo Labs a non-exclusive, worldwide, sublicensable licence to:

(a) host, store, transcode, encode, and reproduce the Content on the Steez platform and its infrastructure providers;

(b) display, stream, and make the Content available to users of Steez in accordance with your access settings (free, subscriber-only, or locked);

(d) promote the Content within the Steez platform (for example, in discovery feeds, search results, and recommended content) using the ranking parameters described in Clause 19.4;

(e) generate Share Clips from the Content for external distribution in accordance with Clause 26;

(f) sublicense the above rights to our service providers (including Mux for video hosting and transcoding, and Cloudflare for delivery) to the extent necessary to provide the platform services; and

(g) sell, and grant fans personal end-user access licences to, paid products incorporating the Content as principal supplier (Clause 18), and authorise the access the Content unlocks.

The Earnings calculated under Clauses 6–7 are the only consideration payable for this licence and the principal-supply right in (g); no separate or additional royalty or fee is payable for it.

12.2 Your retained ownership. You retain full ownership of your Content and all intellectual property rights in it. Nothing in this Agreement transfers ownership of your Content to Steelo Labs, and Steelo Labs takes no ownership of your Content. The licence in Clause 12.1 is limited to the purposes described in this Agreement. Steelo Labs does not take ownership of creator music. Creators must own or control all rights needed for upload, gated access, streaming, making available, and any Share Clip use. Steelo Labs does not hold a collective PRO/CMO licence unless expressly stated. We may block, remove, hold, de-monetise, or require further clearance for content where platform-level or rightsholder clearance may be required (see Clause 15).

12.3 No obligation to host. We are not obliged to continue hosting any Content. We may remove Content that breaches the Acceptable Use & Community Guidelines, this Agreement, or applicable law.

12.4 Hide/disable, not hard-delete, for Exclusive Content. The following rules apply to Exclusive Content for which fans have paid:

(a) You may hide or disable Exclusive Content so that it no longer appears in discovery and can no longer be purchased. Hiding or disabling stops further purchases.

(b) Existing purchasers retain access. You cannot hard-delete Exclusive Content that fans have already paid for. Fans who have already purchased a Content Unlock, Content Collection, or Steez giving access to that Exclusive Content retain their access to it after you hide or disable it. You authorise us to retain the necessary copy of that Content for the sole purpose of providing continued access to those existing purchasers.

(c) Creator Subscription access. Fans with an active Creator Subscription retain access to subscriber-only Content for the duration of their current subscription period. After you hide or disable it, the Content will not be available to new subscribers.

(d) Legal-takedown carve-out. Where we are required to remove Content by law, court order, or valid copyright notice (Copyright & Takedown Policy), access may be terminated for all users including existing purchasers. In such cases, Clause 11.4 applies to any resulting refunds.

(e) Operational basis. We retain the asset necessary to keep existing purchasers' access when Exclusive Content is hidden or disabled, so that the rule in (b) operates for content that has paid purchasers.

12.5 Licence survival. The licence in Clause 12.1 continues after the expiry or termination of this Agreement to the extent necessary to:

(a) provide existing purchasers' continued access under Clause 12.4(b);

(b) retain records of Content in connection with ongoing or threatened legal proceedings; and

All other uses of the licence cease on termination.

12.6 Fan minimum benefits. You may evolve, add to, or stop offering content going forward, but you may not retroactively strip the benefits a fan has already paid for. The benefits recorded against a fan's purchase are that fan's minimum entitlement under Terms of Service clause 13A; existing purchasers retain the access described in clause 12.4(b). If a benefit a fan paid for is materially and permanently removed for a reason attributable to you (and not a legal takedown or the fan's breach), the resulting pro-rata monetary refund to the fan (with a credit offered only where the fan affirmatively chooses one instead of the refund) is allocated under the creator-fault rules in Clause 11.4.

13. The Nature of a Steez and of Content Unlocks

What this section says: A Steez is a "key" — a personal licence to access things you choose to offer a fan. A Steez is not a financial asset, security, investment, e-money, stored value, deposit, trust asset, ownership interest, share in Steelo Labs, or share in creator or platform revenue. A Steez is personal, non-transferable, and non-resellable.

13.1 A Steez is a key (a licence). A Steez is a personal licence — a "key" — that gives a fan access to the specific things you explicitly choose to offer that fan, which may include Mosaic exclusives, Village community access, and creator-picked Perks. A Content Unlock and a Content Collection unlock are personal, non-transferable licences to access the specified Content. A Steez is held personally and may not be transferred, sold, or assigned.

13.2 Not a financial asset, not a security, not an investment. A Steez (and any Content Unlock) is not a financial asset, security, investment, e-money, stored value, deposit, trust asset, ownership interest, share in Steelo Labs, or share in creator or platform revenue, and confers no ownership of any Content, of the platform, or of Steelo Labs. There is no buyback, no guaranteed return, no yield, no staking, and no holder dividend or pooled distribution of any kind. Neither you nor Steelo Labs may present, market, or describe a Steez as having any guaranteed, validated, or certified value, or as an investment or store of value. The value of a Steez to a fan is its consumptive, access utility — what it unlocks.

13.3 No monetary value. A Steez carries no guaranteed or realisable monetary value, and is non-transferable and non-resellable. There is no buyback. We make no representation that a Steez has, will hold, or will gain any value; a Steez is bought only for the access it gives.

13.4 First-hand pricing is fixed. First-Hand Sales of a Steez are priced at the fixed first-hand price of £30 on every device. You must not present a Steez as something that will appreciate, or promise any fan a return or uplift. You must not market, describe, or promote a Steez as an investment, as a way to make money, or as likely to rise in value.

13.5 Insolvency. If Steelo Labs Ltd becomes insolvent or ceases to operate Steez, access granted by a Steez or Content Unlock may terminate. We disclose this plainly.

13.6 Creator conduct. You acknowledge that the usefulness and appeal of what a Steez gives access to may be affected by your own conduct and reputation, and that Steelo Labs gives no assurance against such effects.

13.7 Resale and anniversary releases — not offered at launch. Secondary-market resale of a Steez and annual "anniversary" new-key releases are not part of the launch product and are not offered. If we introduce either feature in the future, it will be governed by additional terms added to this Agreement on notice (Clause 27), and any such feature will be designed and launched only where lawful and after appropriate regulatory review.

14. Creator Warranties

14.1 By uploading Content and accepting this Agreement, you represent and warrant to us (and these warranties are deemed repeated each time you upload or post Content) that:

(a) you have full legal capacity to enter into this Agreement;

(b) if you are accepting on behalf of a company or other entity, you have authority to bind that entity;

(c) you own or have the right to grant all the rights and licences contained in this Agreement in respect of the Content, including all intellectual property rights in the Content, and in any third-party material incorporated in it;

(d) the Content does not infringe the intellectual property rights, privacy rights, publicity rights, or other rights of any third party;

(e) the Content complies with all applicable laws, including laws relating to defamation, obscenity, data protection, consumer protection, and advertising standards, in each jurisdiction where it is made available;

(f) every person who appears or is identified in your Content has given their valid, informed, and continuing consent to appear in that Content and to the exploitation of their image and likeness in the manner licensed under Clause 12.1;

(g) every person who appears in your Content is aged 18 or over; if any person featured in your Content is aged under 18, you must not upload that Content to Steez under any circumstances;

(h) you hold valid model releases and age-verification records for every third party who appears in your Content and will make these available to us on request;

(i) the Content does not contain, promote, or facilitate any material prohibited under the Acceptable Use & Community Guidelines or the Stripe Restricted Businesses List;

(j) where you have one or more team members who are entitled to a royalty under Clause 22, you have the authority to grant the licence in Clause 12.1 on their behalf and to agree the allocation of that share (the Collaborator Split, Clause 22) with each collaborator; each collaborator is bound by the other terms of this Agreement — including its payout, tax, rights, and data-protection obligations — only to the extent that collaborator has separately accepted the terms that apply to them, and accepting this Agreement yourself does not bind any collaborator to those terms on their behalf;

(k) any advertising, sponsored content, affiliate link, or brand-partnership content within your Content is clearly and prominently disclosed as such in accordance with ASA/CAP guidelines and applicable law; and

(l) you are either not registered for VAT (or equivalent) anywhere or, if you are, you have disclosed this to us so that the VAT treatment of your supply to us can be correctly assessed.

14.2 No conflicting obligations. You warrant that you are not subject to any exclusive contract, publisher agreement, label agreement, distribution agreement, PRO membership obligation, or other obligation that would conflict with your ability to grant the rights in this Agreement or to post Content on Steez.

14.3 Consumer-fairness saver. Where a creator is a Consumer Creator (Clause 2.4(b)), nothing in this Agreement removes or limits that creator's non-excludable statutory consumer rights, and any indemnities, warranties, or forfeiture provisions apply only to the extent fair and proportionate in the circumstances.

15. Music Rights Warranties

What this section says: Steez does not buy any music licence and takes no ownership of your content. If your content includes music — whether you wrote it or recorded it — you are fully responsible for owning or controlling ALL relevant rights before you post it. Label-owned master recordings and unlicensed third-party recordings are strictly banned. Cover versions are not permitted at launch.

15.1 Platform ethos and position. Art is protected and intellectual property is respected. Steelo Labs does not take ownership of creator music. Creators must own or control all rights needed for upload, gated access, streaming, making available, and any Share Clip use. Steelo Labs does not hold a collective PRO/CMO licence unless expressly stated. We may block, remove, hold, de-monetise, or require further clearance for content where platform-level or rightsholder clearance may be required. You warrant to Steelo Labs that you own or control all rights needed for your Content and are responsible to us for it. Nothing in this Clause excludes or limits Steelo Labs' own direct liability, or any duty of ours that cannot lawfully be excluded; whether an intermediary or hosting defence is available is assessed separately for each item of Content and each function we perform in relation to it. The platform's value, and the Platform Fee, attach to access, exclusivity, and peripheral value (for example, behind-the-scenes material, making-of content, artist-released stems, and Steez); we do not rely on how our fees are characterised as a defence to any rights-holder's claim. We enforce exclusivity through gating, digital-rights management, and (in future) screen-capture blocking, and we back rightful owners in genuine disputes with directly relevant data, redacting anything that would infringe others' rights. To the extent we act as host of user-uploaded Content, we rely on the hosting defence under reg 19 of the Electronic Commerce (EC Directive) Regulations 2002 and equivalent intermediary safe harbours; we do not assert that defence for the curated, paywalled, and DRM-gated main stream where we may not be acting as a passive host.

15.2 No collective PRO licence purchased. Steelo Labs has not purchased, and does not rely on, any collective licence from any performing-rights or collective-management organisation (PRO) — including PRS for Music and MCPS (UK), ASCAP/BMI/SESAC (US), GEMA/SACEM (EU), or any equivalent body in any jurisdiction. You therefore must not assume that any such collective licence covers your Content. Our music model is warranties and indemnity, plus takedown and revenue clawback, not a purchased PRO licence.

15.2A Music-rights upload warranty. You must not upload music unless you own or control all rights needed for Steez's use of it, including composition, publishing, master, performance, mechanical, making-available, streaming, gated access, and any Share Clip use. If any right is controlled by a PRO/CMO, publisher, label, distributor, co-writer, sample owner, or other third party, you must disclose that before upload and the content may be held pending clearance.

15.3 Own all rights. This Clause applies to all Content that incorporates or consists of musical works (compositions), sound recordings, or both. You warrant that, before uploading any such Content, you own or control all rights necessary to post it and to grant the licence in Clause 12.1, including:

(a) the composition right in the underlying musical work (melody and lyrics), free from any publisher, sub-publisher, or co-writer assignment that would require a separate licence; and

(b) the sound recording (master) right in the specific recorded version, free from any record-label assignment or exclusive licensing agreement.

15.4 Hard prohibition — label-owned masters and unlicensed recordings. You must not under any circumstances upload Content that:

(a) features a commercially released sound recording in which you do not own or control the master rights (including any recording distributed under a record label, a distributor exclusivity clause, or a work-for-hire agreement); or

(b) features any third-party sound recording or musical work for which you do not hold a valid, current licence covering the uses in Clause 12.1.

This is a non-negotiable, zero-tolerance rule. Breach is grounds for immediate content removal, revenue clawback, and immediate termination (Clause 24.4). If you have, or have had, a recording or distribution agreement with a label or digital distributor, you must confirm in writing (before uploading relevant Content) that the agreement does not restrict your right to post the relevant recordings on Steez or to grant us the licence in Clause 12.1.

15.5 Co-written compositions. Where a composition you feature was co-written, you warrant that you have obtained written confirmation from all co-writers (and any publisher who administers their rights) that you may grant the licence in Clause 12.1 in respect of their share of the composition.

15.6 Samples. Where your Content incorporates a sample of another sound recording or musical work (whether or not audible at full volume, and whether or not pitch-shifted or time-stretched), you warrant that (a) you hold a valid sample-clearance licence from both the master rights holder and the publisher of the sampled composition, and (b) that clearance expressly covers streaming, making-available, and clip distribution of the kind licensed in Clause 12.1.

15.7 Cover versions — prohibited at launch. Cover versions of third-party compositions are not permitted on Steez at launch. You must not upload a recording of a composition you did not write (a "cover"), regardless of any licence you may hold, until and unless we expressly enable cover versions and publish the conditions for them. This aligns with the Acceptable Use & Community Guidelines (AUP §8.3).

15.8 PRO-membership disclosure (warning, not platform reliance). If you are, or have at any time been, a member of PRS for Music or any other PRO, or if any co-writer or rightsholder on your Content is, you must disclose this to us in writing before uploading affected Content. A PRO may control the making-available right in its members' works even where you wrote the work yourself, and may assert a "please pay" or licensing demand directly against you. Because Steelo Labs holds no collective PRO licence (Clause 15.2), responsibility for clearing any such position rests with you.

15.9 Music warranty indemnity and clawback. You indemnify Steelo Labs against all claims, demands, royalties, licence fees, statutory damages, legal costs, and losses arising from any music-rights infringement in your Content, including any claim from a PRO, a collecting society, a label, a publisher, a distributor, or a co-writer. We may withhold, set off, or claw back affected Earnings under Clause 10.5 and remove or disable the offending Content (Clauses 12.3 and 12.4(d)). You acknowledge that your indemnity is a contractual allocation of cost between you and us and is not a defence to any direct claim a PRO or other rightsholder may bring against Steelo Labs; the platform-level licensing position is addressed in Clause 15.10.

15.10 Music release gate. No UK-accessible monetised music is published unless, for that work, the rights record establishes one of: (a) appropriate PRS/MCPS and master-recording (PPL/label) clearance; (b) complete direct rightsholder licences; or (c) a documented specialist position that no platform-level licence is needed for that repertoire and use. Creator attestation alone is not sufficient evidence. Steelo Labs holds no collective PRO or CMO licence unless expressly stated. Music-containing monetised uploads (and any Share Clips derived from them) are held disabled by default until the work-level rights evidence is approved. If a creator, co-writer, publisher, or other rightsholder is a member of PRS/MCPS or another PRO/CMO, or if we receive a PRO/CMO notice or demand, affected content may be blocked, held, removed, or de-monetised pending clearance. This does not affect your warranties, indemnity, rights-attestation obligations, or our repeat-infringer and revenue-clawback rights. Any PRS/MCPS licence is UK-territory only unless the licence expressly says otherwise; it does not cover sound-recording (master) rights, which require separate PPL/label clearance, nor any non-UK collecting-society position.

15.11 Creator launch-controls — rights attestation, enforcement, and cooperation. As a condition of monetising music Content, you must (a) make the onboarding rights-attestations we require and provide accurate rights metadata for each monetised upload; (b) accept our repeat-infringer enforcement, including escalating action and account termination for repeated rights breaches; (c) accept that we may place a hold on, withhold, set off, or claw back Earnings affected by a rights breach (Clauses 10.5 and 15.9); and (d) cooperate promptly with our handling of any collecting-society or PRO "please pay" or licensing demand relating to your Content, including providing requested rights information.

16. Creator Indemnity

16.1 You agree to indemnify, defend, and hold harmless Steelo Labs Ltd, its officers, employees, and agents (together, the "Indemnified Parties") from and against all claims, demands, actions, losses, damages (including statutory damages), liabilities, costs, and expenses (including reasonable legal costs) arising from or relating to:

(a) your Content, including any claim that your Content infringes the intellectual property rights, privacy rights, or other rights of any third party;

(b) any breach by you of this Agreement, the Terms of Service, or the Acceptable Use & Community Guidelines;

(d) any claim that your Content or your activity on Steez violates applicable law in any jurisdiction;

(e) any chargeback, dispute fee, or fine imposed on Steelo Labs as a result of your activity (as further described in Clause 10.6);

(f) any claim by a collaborator or third party arising from your use of their contribution without proper authority; and

(g) any third-party claim arising from sponsored content, affiliate links, or advertising in your Content that you failed to disclose as required.

16.2 We will notify you promptly of any third-party claim to which Clause 16.1 may apply and give you the opportunity to take conduct of the defence, provided that:

(a) we retain the right to approve any settlement that would impose obligations on us or admit liability on our part; and

(b) we may participate in the defence with our own legal counsel at our own cost.

16.3 Consumer-creator limitation. Where you are a Consumer Creator (Clause 2.4(b)), the indemnity in Clause 16.1: (a) is limited to claims arising from your deliberate, reckless, or negligent conduct, your infringement of a third party's rights, or your breach of this Agreement; (b) extends only to loss that is a reasonably foreseeable result of that conduct; and (c) does not require you to indemnify us to any extent prohibited by the mandatory consumer law that applies to you, nor for any claim to the extent it arises from our own negligence, fraud, or breach. We will also take reasonable steps to mitigate any loss to which the indemnity applies. Nothing in this Clause limits the indemnity owed by a creator acting in the course of a business.

17. Prohibited Content and Restricted Activities

What this section says: Certain types of content are absolutely prohibited. Adult/sexual content is prohibited. The full list is in our Community Guidelines. These rules flow from Stripe's requirements and we cannot change them.

17.1 Absolute prohibition on adult content. The creation, upload, or promotion of sexually explicit, pornographic, or adult-oriented content is strictly prohibited on Steez. This prohibition applies regardless of whether the content would be lawful in the UK or in the creator's jurisdiction. This prohibition is required by the Stripe Restricted Businesses List and is non-negotiable. Violation is grounds for immediate termination of this Agreement and closure of your Payout Account (Clause 24.4).

17.2 Stripe Restricted Businesses flow-down. Stripe's Restricted Businesses List (stripe.com/legal/restricted-businesses) sets out categories of business that Stripe does not serve. By accepting this Agreement, you agree that your use of the platform and your Payout Account will not involve, facilitate, or be associated with any activity on that list, including (without limitation):

(a) adult content, pornography, or sexually explicit material, including AI-generated content of that nature;

(b) intellectual property infringement, including unauthorised distribution of music, film, or other copyrighted works (see also Clause 15.4);

(d) deceptive marketing, pyramid schemes, or fraudulent operations; and

(e) any other category prohibited or restricted on the current version of Stripe's list.

17.3 Stripe platform account. Steelo Labs operates an active Stripe Connect platform account (Steelo Labs Ltd, United Kingdom). Operating a content-creation platform is subject to Stripe's Restricted Businesses framework and to Stripe's ongoing business-verification requirements; where Stripe requests additional verification from time to time (including under updated regional requirements), we provide it. Continued use of the payment and payout features depends on the platform account remaining in good standing with Stripe.

17.4 Acceptable Use & Community Guidelines. The full list of prohibited content and conduct, including rules on hate speech, illegal content, harassment, impersonation, and the prohibition on cover versions at launch (Clause 15.7), is set out in the Acceptable Use & Community Guidelines, which form part of this Agreement by incorporation. You agree to comply with those guidelines at all times.

17.5 Enforcement. Violations of this Clause may result in immediate content removal, account suspension, or termination under Clause 24, and may be reported to relevant authorities where required by law.

18. Principal Supply and Payment

18.1 Principal supply. Steelo Labs Ltd supplies paid products to fans as principal, having licensed the relevant Content, and the access it unlocks, from you under this Agreement. Steelo Labs does not act as your agent in concluding sales to fans, and a fan's contract of supply is with Steelo Labs (Terms of Service §7.1).

18.2 Your entitlement is a contractual royalty. Your entitlement in respect of fan purchases is the contractual royalty calculated under Clause 6, owed by Steelo Labs and paid from Steelo Labs' own funds. Steelo Labs does not receive, hold or pay any money on your behalf, on trust, or as client money, and you have no interest in any fan payment.

18.3 Payment discharge. A fan's obligation to pay is discharged on payment to the applicable payment processor (the applicable Stripe entity). Any claim by you for unpaid royalties runs against Steelo Labs (not the fan) and is subject to the dispute process in Clause 28.

18.4 Regulatory position. Before enabling creator-monetised transactions or payouts on any payment channel we open (web, Android app or iPhone app), Steelo Labs will make a written perimeter assessment for that channel, covering the exact Stripe charge, settlement, transfer, refund, chargeback and flow-of-funds configuration and its position under the Payment Services Regulations 2017 and the Electronic Money Regulations 2011, and the company will record its approval of that assessment. Each channel stays closed until its assessment is recorded and approved, and any app-store billing route needs its own assessment before it is enabled. The assessment is Steelo Labs' own record of the basis on which it operates; it is not an insurance policy or a guarantee to you. Until an assessment is approved for a channel, this Agreement does not assert that any exclusion or exemption applies to it.

19. Platform-to-Business (P2B) Rights

What this section says: Because you use Steez to reach your fans commercially, you have legal rights under UK business-protection rules. This section summarises them. We cannot exclude these rights. They apply to all monetising creators.

19.1 P2B Regulation applies. Steelo Labs is an online intermediation service provider within the meaning of the P2B Regulation. You are a business user of that service (or Steelo Labs treats you as such regardless of your formal legal status, to ensure consistent protection). The P2B Regulation gives you the rights described in this Clause, which we cannot reduce by agreement.

19.2 Plain language. This Agreement and all platform policies that affect your access to the platform, your ranking, or your earnings are written in plain, intelligible language and are freely accessible on the Steez platform.

19.3 Suspension and restriction grounds. We may suspend, restrict, or terminate your access to monetisation features only on the grounds listed in Clause 24. We will not suspend your access for reasons not listed there. Where we suspend your access (other than in an emergency), we will tell you the reason.

19.4 Main ranking parameters. The main parameters we use to rank and surface your Content in the Steez discovery and mosaic features are:

(a) Engagement signals: plays, likes, saves, and shares on your content;

(b) Recency: more recently posted content receives a time-weighted boost in initial discovery;

(c) Subscriber affinity: content from creators a user already subscribes to or has engaged with is ranked higher in their personalised feed;

(d) Content completeness: profiles with completed bio, verified identity, and full content descriptions receive a completeness signal; and

(e) Platform quality signals: content that has generated chargebacks, complaints, or takedown notices receives a negative signal.

Relative importance. Engagement signals (a) and subscriber affinity (c) are the most important, because they best predict what a given user wants to watch and so drive personalised discovery; recency (b) is moderately important and decays over time; content completeness (d) and platform quality signals (e) are secondary adjustments. We are not required to disclose the detailed weighting or algorithmic implementation, only the main parameters and their relative importance. We may update this list with at least 15 days' notice (Clause 27).

19.5 Differentiated treatment. Steelo Labs does not currently offer content or services that compete directly with creator content on the Steez platform. If we introduce any such service, we will disclose in this Agreement the main reasons why we may treat our own content or services differently from yours in ranking and access.

19.6 Internal complaint handling. Steelo Labs operates an internal complaint-handling system for creators. If you believe we have breached this Agreement, the P2B Regulation, or any applicable rule, you may raise a complaint by contacting support@steez.space. We will acknowledge your complaint as soon as reasonably practicable and, in any event, without undue delay, and aim to resolve it promptly. An appeals route is available once our Moderation, Complaints & Appeals Procedure is published and operational.

19.7 Small-enterprise exemption note (P2B Articles 11 and 12). Steelo Labs currently qualifies as a small enterprise under the P2B Regulation (fewer than 50 staff, and an annual turnover or annual balance-sheet total not exceeding €10 million, calculated including any partner or linked enterprises). Accordingly, both the requirement to provide a formal internal complaint-handling system (Article 11) and the requirement to identify two or more mediators (Article 12) do not currently apply to us. We nonetheless operate the internal complaint process described in Clause 19.6 voluntarily while the small-enterprise exemption applies, and we will introduce a fully Article 11-compliant complaint-handling system and named Article 12 mediation options in this Agreement if and when that exemption ceases to apply.

19.8 Access to data (P2B Article 9). We describe here the data you can access. As a creator you can access, through your creator dashboard or on request:

(a) the personal and account data you provide to us and to Stripe;

(b) your earnings, transaction, and payout records, including the royalty and Platform Fee calculated for each sale;

(d) the main ranking parameters that apply to your Content (Clause 19.4).

Data about fans is made available to you only in anonymised or aggregated form and subject to data-protection law. We do not give you access to other creators' data, or to personal data of fans beyond what data-protection law permits.

For the avoidance of doubt, and to complete the Article 9 disclosure, we also tell you:

(e) third-party sharing — whether and to which categories of third party we provide access to the data above, and why: currently our payment processor (Stripe, for payment, settlement, and tax reporting); our infrastructure providers (as processors under our instructions); and tax authorities, where the digital-platform reporting rules require (Clause 21). We do not sell your data; and

(f) post-termination access — on termination you may export your earnings and transaction history and your Content metadata for at least 30 days, after which we retain data only as our legal obligations require (Clauses 12, 21, 24). This Clause reflects the access-to-data transparency required by Article 9 of the P2B Regulation.

19.9 Changes — advance notice and reasons. We will give you at least 15 days' advance notice of any change to this Agreement or to platform policies that affect your use of the platform, your earnings, or your ranking — and at least 30 days' notice where the change requires you to make technical or commercial adaptations — stating our reasons, before those changes take effect (Clause 27). You may terminate before the change takes effect. No-notice changes are limited to those we are required to make immediately by law or regulation, or which are needed to address an imminent security, fraud, or safety risk (Clause 27.2).

19.10 Termination — 30-day notice and reasons. We will give you at least 30 days' prior notice before terminating this Agreement (and your access to the monetisation features of Steez), except in the circumstances in Clause 24.4 (immediate termination). In any notice of termination, we will state the reasons for our decision. See Clause 24 for the full termination procedure.

20. Independent Contractor Status

20.1 No employment or agency relationship. You are an independent contractor. Nothing in this Agreement creates or implies any relationship of employment, worker (within the meaning of the Employment Rights Act 1996 s.230(3)(b)), agency, partnership, or joint venture between you and Steelo Labs. Steelo Labs supplies paid products to fans as principal (Clause 18) and does not act as your agent.

20.2 You control your content and schedule. You decide what Content to create, when to post it, how often to post, and how to interact with your audience. We impose no minimum content-output obligations and no minimum number of subscribers or revenue targets.

20.3 Price selection. Steelo Labs sets the price at which it sells each product and will adopt the price you select from within its published bands, subject to Clause 6.5(a); Steelo Labs remains the seller. The Steez first-hand price is fixed at £30 (Clause 6.5(b)) and is not set by you. We do not direct or control how you create your Content.

20.4 You bear commercial risk. You bear the risk of your content not attracting subscribers or purchasers. We do not guarantee any minimum level of earnings, views, or engagement.

20.5 No exclusivity. Nothing in this Agreement prevents you from operating on other platforms or creating content for other services. The circumvention restriction in Clause 23 is limited in scope and does not amount to an exclusivity obligation.

20.6 No benefits. As an independent contractor, you are not entitled to holiday pay, sick pay, pension contributions, or any other employment benefit from Steelo Labs.

21. Tax Obligations and HMRC Reporting

What this section says: Your earnings are your income. Tax is your responsibility. We are required by law to report qualifying creators' earnings to HMRC and to collect your tax ID. We explain what we collect and why.

21.1 Creator's tax responsibility. You are solely responsible for determining and paying all taxes, national insurance or social-security contributions, and other levies applicable to your Earnings and any other income you receive in connection with your use of the Steez platform, in any jurisdiction in which you are liable, including (in the UK) income tax, capital gains tax, Class 2/4 NICs (as applicable), and any VAT you may owe if you are VAT-registered.

21.2 No tax advice. Nothing in this Agreement or on the Steez platform constitutes tax advice. We recommend you obtain independent professional advice regarding your tax position.

21.3 HMRC Digital Platform Reporting (SI 2023/817). The Platform Operators (Due Diligence and Reporting Requirements) Regulations 2023 (SI 2023/817, the "DPR Regulations") may require Steelo Labs to register with HMRC as a digital platform operator and to report certain sellers. We collect information for this purpose only when and to the extent the DPR Regulations require it. Where they apply to us and to you, we must:

(a) collect and verify the following information from you:

your full legal name;
your date of birth (for individuals);
your primary address;
your National Insurance number or Unique Taxpayer Reference (or, for non-UK creators, your Tax Identification Number and country of residence);
your Payout Account ID; and
the total amount of Earnings paid to you during each reportable period;

(b) report the required information to HMRC annually (by 31 January following each reporting year); and

Reporting under the DPR Regulations is not automatic for every payout: it applies to reportable sellers, determined by classifying the seller and the activity under the Regulations for the relevant jurisdiction, after the due-diligence steps the Regulations require. The low-volume exclusion (fewer than 30 transactions and no more than €2,000 in a period) applies to sales of goods, and must not be assumed to apply to creator services. We report where the Regulations require, and not otherwise, and keep the records they require for the period they specify (currently 5 years from the end of the reportable period). The definitive seller/activity classification is held in our internal tax memorandum.

21.4 Your obligations. You must:

(a) supply accurate and complete tax-identification information as required by Clause 21.3(a);

(b) promptly update that information if it changes; and

21.5 Payout gating. Where the law requires us to hold your tax-identification information before paying you, we may withhold payouts until you provide it.

21.6 Legal-obligation basis (not consent). You acknowledge that Steelo Labs is legally required to collect, verify, and report your identifying details and Earnings to HMRC under the DPR Regulations where reporting applies. This processing is carried out on the basis of a legal obligation, not consent, and cannot be opted out of while you receive payouts. Further information about how we handle your data is in our Privacy Policy.

21.6A United States creators. If you are a US person, you must give us a valid IRS Form W-9 before we pay you; if you are not a US person but receive US-source royalties, a valid Form W-8. We or Stripe may issue an IRS Form 1099 (or equivalent) for royalties paid to you, and we will apply any US backup withholding the law requires if you do not provide a valid form. Steelo Labs pays its own royalty debt to you; it does not receive or transmit money on your behalf.

21.7 VAT. If you are VAT-registered (in the UK or elsewhere), or become VAT-registered, you must notify us immediately. The VAT treatment of the supply between you and Steelo Labs (as distinct from the supply from Steelo Labs to fans, to which the deemed-supplier analysis in Clause 6.1 applies) may need to be reassessed.

22. Team Members and Referrals

22.1 Team members. You may add one or more team members to your Steez channel and propose the percentage of your royalty that each is to receive. You, the team member and Steelo Labs then enter into the Team Member Terms. The percentage is fixed by that agreement, does not change from one payment to the next, and can be changed only for future sales and only with the agreement of all three. Once the team member accepts, the team member is entitled to a royalty owed directly by Steelo Labs for the agreed percentage, and your royalty is reduced by the same amount. Steelo Labs pays each team member its own debt from its own funds; it does not transfer your money on your instructions, and no part of any fan payment belongs to you or to a team member.

22.2 Your warranty. By setting a team member's percentage, you represent and warrant that:

(a) each team member has agreed to the percentage and to receiving their royalty from Steelo Labs under the Team Member Terms;

(b) you have authority to enter into any arrangement with each team member that is reflected in the percentage you set;

(d) you have complied with any applicable legal requirements governing the team-member relationship (including any contractor agreement, revenue-sharing agreement, or composer agreement).

22.3 Steelo Labs' limited liability for team disputes. We are not a party to any arrangement between you and your team members beyond the Team Member Terms. We are not responsible for any dispute between you and a team member about the percentage you set. If a team member makes a claim against Steelo Labs about a percentage you set without their agreement, you will indemnify us under Clause 16.

22.4 Team member tax. Each team member is responsible for their own tax obligations on royalties received. The DPR reporting obligations in Clause 21 may apply to team-member royalties depending on the nature and amount of their receipts.

22.5 Referrals. If you take part in the Steez referral programme, any referral commission is a marketing fee owed by Steelo Labs from its own funds under the Referral Terms. It is not a share of any fan payment and does not reduce any other creator's royalty.

22.6 Subscriptions set up on your own Stripe account. If any fan subscription to you was set up on your own Stripe account before this revision, that subscription is not a Fan Charge and this Agreement's royalty terms do not apply to it. We will end it, or move it to Steelo Labs' account with the fan's fresh consent, before payouts open for your channel, and will tell you and the fan in advance.

23. Off-Platform Circumvention

23.1 Prohibition on circumvention. You must not direct fans to purchase access to your Content, subscriptions, or other offerings outside the Steez platform for the purpose of avoiding the Platform Fee or Stripe's payment infrastructure. By way of example, you must not:

(a) post links to external payment pages (PayPal, bank transfers, other platforms) in your Content, profile, or communications on Steez for the purpose of receiving payment for content access; or

(b) encourage fans in direct messages on Steez to pay you outside the platform for the same or equivalent content they would otherwise access through a paid feature of Steez.

23.2 Scope of prohibition. This prohibition is limited to circumvention of the Steez payment infrastructure. It does not:

(a) prevent you from operating other paid platforms (streaming services, Patreon, Bandcamp, merchandise sites) and mentioning that you do so;

(b) prohibit you from sharing links to your website or social-media profiles generally;

(d) amount to an exclusivity obligation.

23.3 Consequences. Breach of this Clause is grounds for suspension and may result in withholding of unsettled Earnings pending investigation, in accordance with Clause 8.3.

23.4 Grounds for this restriction (P2B transparency). This restriction exists to protect the integrity of the platform's payment and fee model: to ensure fans transact through the verified, consumer-protected and tax-compliant checkout; to prevent fee-avoidance that would undermine the service the Platform Fee funds; and to protect against fraud and the circumvention of KYC and sanctions controls. It is limited to that purpose (Clause 23.2) and does not amount to an exclusivity obligation.

24. Term, Suspension, and Termination

24.1 Duration

This Agreement begins on the date you accept it and continues until terminated by either party under this Clause.

24.2 Termination by you (30 days' notice)

You may terminate this Agreement by giving us 30 days' written notice at support@steez.space. During the notice period:

(a) you may continue to post Content and receive Earnings;

(b) existing fan subscriptions will continue until their next renewal date unless cancelled by the fan; and

24.3 Termination by Steelo Labs (30-day notice; P2B-compliant) [P2B Art 4]

We may terminate this Agreement by giving you at least 30 days' prior written notice, stating the reasons for our decision, in the following circumstances (this list is exhaustive):

(a) you have materially or persistently breached this Agreement or the Acceptable Use & Community Guidelines and have not remedied the breach within 14 days of written notice from us;

(b) you no longer meet the eligibility requirements of Clause 2;

(d) you have requested account closure; or

(e) the platform is being discontinued or materially restructured.

24.4 Immediate termination (no notice)

We may terminate this Agreement immediately, without notice, in the following circumstances:

(a) you have uploaded adult, pornographic, or sexually explicit content in breach of Clause 17;

(b) you have uploaded label-owned master recordings or unlicensed third-party recordings in breach of Clause 15.4, or a cover version in breach of Clause 15.7, where the breach is serious or repeated, or where we reasonably believe that continued availability of the content creates a legal risk for Steelo Labs or others (where the breach is neither serious nor repeated and creates no such risk, we will instead follow the notice-and-cure route in Clause 24.3(a));

(d) your Payout Account has been terminated by Stripe for a reason attributable to your conduct;

(e) you have breached any law in a manner that exposes Steelo Labs to legal liability;

(f) you have engaged in persistent or serious harassment, abuse, or threats against any user, employee, or officer of Steelo Labs;

(g) a court order or statutory authority requires us to terminate your account; or

(h) you have a serious, repeated negative balance arising from chargebacks that you have failed to repay despite notice.

24.5 Suspension pending investigation

We may suspend your monetisation access (without terminating this Agreement) where:

(a) we are investigating a potential breach falling under Clauses 24.3 or 24.4; or

(b) Stripe has placed a hold on your Payout Account.

Where we suspend your access, we will notify you of the reason and the expected duration within 5 business days, unless we are legally prevented from doing so. Suspension does not prevent earned Earnings from accruing, but payouts may be withheld under Clause 8.3 during a suspension.

24.6 Effect on subscriptions and exclusive access

On termination of this Agreement:

(a) your creator profile and Content will be de-listed from discovery and new sales will be disabled;

(b) active fan subscriptions will not be auto-renewed; fans who are mid-period will retain access until the end of their current subscription period, or we will issue credits/refunds in accordance with the Refund & Cancellation Policy;

(c) fans who have already purchased a Content Unlock, Content Collection, or Steez (by First-Hand Sale) giving access to Exclusive Content retain that access in accordance with Clause 12.4(b), subject only to the legal-takedown carve-out (Clause 12.4(d)); and

(d) the licence in Clause 12.1 survives in the limited form set out in Clause 12.5.

25. Effect of Termination on Earned Funds

25.1 Earnings still owed at termination. On termination of this Agreement, Earnings accrued to you but not yet paid remain Steelo Labs' debt to you and will be paid to your Payout Account on our normal payout schedule (Clause 8), subject to:

(a) any withholding rights under Clause 8.3 that remain in effect at the date of termination;

(b) any set-off under Clause 10.5; and

25.2 Stripe-side account closure. We will not ask Stripe to close your Payout Account solely because this Agreement has ended. If Stripe closes it for its own reasons, royalties already paid into it are subject to Stripe's terms and timescales, and royalties we have not yet paid remain owed to you under Clause 25.1.

25.3 Disputed Earnings. Where Earnings are withheld at the date of termination because of an ongoing chargeback or dispute investigation, the outcome of that investigation will determine whether and how much of the withheld amount is paid to you.

25.4 Post-termination claims. Termination does not affect any rights or claims that have accrued before the date of termination, including any claim by Steelo Labs for unpaid negative balances or indemnity claims under Clause 16.

26. Share-Clip Export Licence

What this section says: We may create short clips from your content and push them to social media platforms to promote you. You can turn this off. You warrant that we have the rights to do this. This section overrides any narrower reading of the main licence.

26.1 Creator-controlled toggle. You may enable or disable the Share Clip feature for your account or for individual Content items using the platform setting; where you disable it for a piece of Content, no Share Clip is generated from that Content.

26.2 Share Clip licence. Where the Share Clip feature is enabled for a piece of Content, you grant Steelo Labs an additional licence to:

(a) generate watermarked short clips of limited duration from your Content;

(b) distribute those clips to third-party social-media platforms (including Instagram, TikTok, YouTube Shorts, and similar platforms) as promotional material for your content and the Steez platform; and

(c) sublicense those clips to the relevant third-party platform operator for hosting and display on that platform, in accordance with that platform's standard terms.

26.3 Warranty for Share Clips. By enabling the Share Clip feature, you specifically warrant (in addition to the warranties in Clause 14) that the licence in Clause 26.2 covers all rights in the portion of the Content from which the clip is generated, including all music rights (Clause 15) in that portion, and that the distribution of the clip to third-party platforms is within the scope of all rights you hold or have cleared. This is a creator warranty on which Steelo Labs relies together with the controls in Clauses 26.4–26.6; Steelo Labs does not operate a per-clip rights-verification engine and does not itself verify the rights in each clip before generation.

26.4 No hosting-defence reliance for Share Clips. You acknowledge that the platform-generated distribution of Share Clips may fall outside the E-Commerce Regulations 2002 reg 19 hosting defence (and equivalent intermediary-liability safe harbours in other jurisdictions), because Steelo Labs is the initiating distributor of those clips rather than a passive host. You are responsible to Steelo Labs under your warranty and indemnity in Clauses 15 and 16 for rights failures in Content you enabled for Share Clips, subject to the cause-based allocation and challenge rights in this Agreement. Nothing in this clause excludes or limits Steelo Labs' own direct liability, statutory duties, notice-and-action obligations, or any liability that cannot lawfully be excluded.

26.5 Take-down. If a third party asserts intellectual-property rights in content distributed as a Share Clip, we will follow our Copyright & Takedown Policy and may remove the Share Clip from Steez and cease our own distribution of it. Where a Share Clip has already been sublicensed to and is hosted by a third-party platform (for example, TikTok or Instagram), we cannot unilaterally remove it from that platform and will instead request its removal through that platform's own takedown process; final removal is subject to that platform's procedures.

26.6 Non-exclusive content only; controls. Steelo Labs generates Share Clips only from non-exclusive content, and hard-blocks the generation of any Share Clip from subscriber-only, content-unlock, content-collection, or Steez-gated content. The Share Clip feature operates with: a creator-level and item-level opt-out; a defined maximum clip duration; watermarking; generation logs; prompt disablement of a clip on request or notice; and the third-party takedown workflow in Clause 26.5. What "disablement" means. On request or notice we promptly remove the clip from Steez surfaces and disable its Steez playback link, so it can no longer be played or shared through Steez. Where the clip has already been distributed to a third-party platform, or already downloaded, cached, or re-uploaded by someone else, we cannot unilaterally destroy those copies; we pursue removal through the third-party takedown workflow in Clause 26.5. We do not promise that every copy of a clip ceases to exist on disablement. For music and other third-party material, Steelo Labs relies on your Clause 15 warranty that the required rights are held or cleared, together with the controls in this Clause 26 and the risk allocation in Clause 26.4; Steelo Labs does not independently verify the rights in each clip before generation.

27. Variation

27.1 15-day advance notice [P2B Art 3]. We may update this Agreement at any time by giving you at least 15 days' prior written notice of the proposed changes. Notice will be given by email to the address associated with your account and by a prominent notice in the Steez platform. The changes will take effect on the date stated in the notice (which will be at least 15 days after notice is given). Where Clause 19.9 or any other clause of this Agreement specifies a longer notice period for a particular type of change — for example, at least 30 days' notice for changes that require you to make technical or commercial adaptations — that longer period applies to that change.

27.2 Immediate changes. We may make changes to this Agreement with immediate effect (or on less than 15 days' notice) only to the extent one of the following applies, and only so far as the change reasonably needs to take effect immediately:

(a) we are required to make the change by law or by a regulator, court, or other competent authority;

(b) Stripe requires the change to the Stripe-related provisions of this Agreement as a condition of continued access to its services and cannot reasonably accommodate 15 days' notice; or

Where none of (a)–(c) applies, or where a longer notice period is reasonably practicable, we will give you at least 15 days' notice under Clause 27.1. In every case we will notify you as soon as practicable and explain the reason for the change.

27.3 Your right to terminate. If you do not agree with any change to this Agreement notified under Clause 27.1, you may terminate this Agreement by written notice to us before the change takes effect, in accordance with Clause 24.2. Continuing to use the monetisation features of Steez after the change takes effect constitutes acceptance of the change.

28. Disputes

What this section says: If you have a complaint, start with our support team. If that does not resolve it, the courts are available to you — we have not taken that right away. We have not made ADR mandatory but will signpost an accredited provider at deadlock. Arbitration applies only to genuine business-to-business contracts.

28.1 Internal complaint process first. If you have a dispute with Steelo Labs arising from or relating to this Agreement, you should first contact our support team at support@steez.space and attempt to resolve the dispute informally. We will acknowledge your complaint as soon as reasonably practicable and, in any event, without undue delay, and aim to resolve it promptly. (This internal step is also the route by which you assert platform-fault under Clause 11.4(b).)

28.2 ADR signposting. If we are unable to resolve your complaint through the internal process, we will notify you in writing on a durable medium that the complaint cannot be resolved by us, and we will signpost an Alternative Dispute Resolution (ADR) provider competent to handle disputes of the kind in question, stating whether we are obliged or prepared to submit to that provider's process. We do not commit in this Agreement to participating in ADR; we commit only to signposting at deadlock. We do not reference the EU Online Dispute Resolution platform, which was discontinued on 20 July 2025.

28.3 Courts available to all creators. Subject to Clause 28.1, both you and Steelo Labs may bring any dispute arising from or relating to this Agreement in the courts of England and Wales on a non-exclusive basis. This Agreement does not exclude, limit, or replace your right to bring proceedings in court. No creator — whether a Business Creator or a Consumer Creator — is required to use arbitration or any other process instead of court proceedings under this Agreement.

28.4 Consumer Creator home-court carve-out. If you are a Consumer Creator (as defined in Clause 2.4(b)), nothing in this Agreement prevents you from bringing proceedings in the courts of the jurisdiction where you are habitually resident (which may be other than England and Wales). This reflects your statutory rights under the Civil Jurisdiction and Judgments Act 1982, applicable retained EU law, and the mandatory consumer-jurisdiction rules of your home jurisdiction.

28.5 No class waivers. Nothing in this Agreement operates as a waiver of your right to bring proceedings as part of a class, group, or representative action where such a right exists under applicable law.

28.6 B2B arbitration reserved for true B2B contracts only. Arbitration is not imposed by this Agreement on any creator. Where Steelo Labs enters into a separate, genuinely business-to-business contract with a business counterparty (for example, a label, distributor, or commercial partner), that separate contract may provide for London-seated arbitration. Such an arbitration provision applies only to that true B2B contract and never to this Creator Terms & Earnings Agreement with an individual or hobbyist creator.

29. Governing Law

29.1 English law. This Agreement and any dispute or claim arising from or in connection with it (whether contractual, tortious, or otherwise) is governed by the laws of England and Wales.

29.2 Jurisdiction. Subject to Clauses 28.3 and 28.4, the courts of England and Wales have non-exclusive jurisdiction over any dispute arising from this Agreement.

30. Mandatory Local Rights and International Users

What this section says: Steez's paid services are offered in the UK and US at launch. Wherever you are, any local consumer or business protections that cannot be excluded by contract still apply to you, on top of English law.

30.1 Supported territories. Steez's paid services are offered in our supported territories (the UK and US at launch), expanding as we complete each territory's legal requirements (Terms of Service §2.1). We may block access, registration, or payment from territories we do not yet support.

30.2 Mandatory-rights saver. Where the mandatory law of your country of habitual residence or establishment gives you rights or protections that cannot be excluded or limited by agreement, those mandatory rights prevail over any conflicting provision of this Agreement, and the English-law choice in Clause 29 does not deprive you of them.

30.3 EU/EEA creators. Steelo Labs does not offer paid services to or target the EEA at launch. Before any EEA launch, Steelo Labs will complete the applicable EU GDPR, consumer, tax, payments, copyright and Digital Services Act work, including any representative appointment required on the final facts. If you are established or resident in the EU/EEA and access Steez, any mandatory EU GDPR or Digital Services Act rights that apply on the facts still apply to you; you can raise data-protection matters at privacy@steez.space and any DSA matters at legal@steez.space, and we will deal with them directly.

30.4 US creators. If you are resident in the United States, applicable US federal and state laws — including state consumer-protection and privacy statutes such as the California Consumer Privacy Act / California Privacy Rights Act (CCPA/CPRA) and equivalents — apply to you in addition to this Agreement. Nothing in this Agreement removes any non-waivable right you have under those laws.

30.5 Multi-jurisdiction tax. VAT/GST and other indirect taxes are handled per Clause 6.1, with registration deferred to each jurisdiction's threshold and gross-up applied on crossing.

31. General

31.1 Entire agreement. This Agreement, together with the Terms of Service and the other documents incorporated by reference in Clause 3, constitutes the entire agreement between you and Steelo Labs in relation to the subject matter of this Agreement and supersedes all prior representations, negotiations, and agreements.

31.2 Severance. If any provision of this Agreement is found to be invalid, unenforceable, or illegal, that provision will be severed to the minimum extent necessary and the remaining provisions will continue in full force and effect.

31.3 No waiver. Failure or delay by either party in exercising any right under this Agreement does not operate as a waiver of that right.

31.4 Assignment. You may not assign or transfer your rights or obligations under this Agreement without our prior written consent. We may assign our rights and obligations to any successor entity in connection with a business transfer, merger, or restructuring, provided that the assignee assumes all our obligations under this Agreement and your rights are not materially diminished.

31.5 Third-party rights. Nothing in this Agreement confers any right on any third party under the Contracts (Rights of Third Parties) Act 1999, except that the Indemnified Parties (Clause 16.1) may enforce Clause 16 in accordance with that Act.

31.6 Notices. Notices under this Agreement may be given by email to the address associated with your account (to you) or to support@steez.space (to us). Legal notices may also be sent to legal@steez.space. Email notices are deemed received on the next business day after sending, unless a delivery failure is received.

31.7 Language. This Agreement is written in English. Where it is translated for convenience, the English version prevails, subject to any mandatory local-language requirement under Clause 30.2.

31.8 Version record. The version number and effective date of this Agreement as accepted by you are stored in the platform's acceptance record. You may request a copy of the version you accepted at any time by contacting support@steez.space.