Terms of Service

You must be at least 18 years old to use the Platform. By using it, you represent that you meet this requirement, that the information you provide is accurate, and that you are not located in, or a resident of, any country or on any list subject to U.S. sanctions or export controls. Accounts are personal; you are responsible for activity under your account and for keeping your credentials and two-factor authentication secure. We may require identity or age verification and may suspend or close accounts with inaccurate information.

2.1 Card pledges (non-custodial). Fans pledge an amount toward a specific idea by authorizing a saved payment method. Pledges pool into a per-idea total. Your card is not charged when you pledge. A charge occurs only if and when the creator accepts that idea; at acceptance, every pledger on the idea is charged their pledged amount. For card pledges, Kamirin is non-custodial: the charge is made directly to the creator’s connected Stripe account, the creator is the merchant of record for their content, and Kamirin never takes possession of those funds. If an idea is not accepted before it expires, no charge is made.

2.2 Wallet and stored value (custodial). The Platform may also offer a Kamirin wallet. When you add funds to your wallet, you purchase store credit that Kamirin holds in its own platform balance; for these top-ups Kamirin is the merchant of record and holds the funds until you spend the credit on the Platform. The wallet is closed-loop — credit can be used only on Kamirin, is not transferable, and is not a bank account, deposit, or a general-purpose payment instrument. A per-user daily top-up limit applies, and a processing surcharge may be added and shown before you confirm. Wallet credit does not expire. Wallet features may be limited or unavailable, and are enabled at Kamirin’s discretion.

When an idea is accepted, the Platform charges a service fee of 20% of each pledge; the remaining 80% is the creator’s. To keep the creator’s full pledge intact, the fan also pays the payment processor’s fee on top of their pledge. If you add funds to a wallet, the same processor fee may be added to the top-up where permitted by law. The exact total is always shown before you confirm.

After accepting an idea, the creator has a delivery window to fulfill it according to the stated acceptance criteria. Once the creator marks the idea delivered, each backer who funded it has 72 hours from the time of delivery to rate it with a thumbs up (satisfied) or a thumbs down (a problem).

Not voting within the 72-hour window counts as a “no vote,” and a no vote is treated as satisfaction. If, at the end of the window, no backer has given a thumbs down, delivery is treated as confirmed and the creator’s payout is released. If one or more backers give a thumbs down, the delivery is referred to the Platform for review; the recorded thumbs-up, thumbs-down, and no-vote counts are visible only to the Platform’s administrators, who decide the outcome. Payout of the creator’s funds is held until that review is resolved.

If the creator does not deliver by the deadline, or a dispute is upheld, every backer is refunded in full and the Platform returns its 20% service fee. The payment processor’s own per-transaction fee is generally non-refundable and is borne by the creator. Card-funded pledges are refunded to the original payment method; pledges funded from your wallet are refunded to your wallet balance as store credit.

To receive payouts, creators must complete identity verification (KYC) and payout onboarding with Stripe, provide required tax information, and agree to the Stripe Connected Account Agreement and Stripe Services Agreement, which govern the Stripe account and payouts and to which Stripe is a party. Creators set their own request boundaries, choose which ideas to accept, and are solely responsible for the content they create and for complying with applicable law and the Acceptable Use Policy.

By accepting ideas, you authorize Kamirin to (a) hold your payout until delivery is confirmed or a dispute is resolved as described in Section 4, and (b) initiate refunds and reverse the corresponding platform service fee on your connected account when an idea is not delivered or a dispute is upheld. Creators are responsible for their own taxes on amounts they earn; Stripe and/or Kamirin may report earnings and issue tax forms (for example, a Form 1099-K) where required. Creators accepting ideas that involve elevated risk or a named third party must complete the required assumption-of-risk acknowledgment and consent steps before acceptance. Additional creator terms may apply at onboarding.

You retain ownership of the idea text, comments, and other content you submit. You grant Kamirin a worldwide, non-exclusive, royalty-free license to host, store, reproduce, display, and distribute that content as needed to operate, promote, and improve the Platform. You represent that you have the rights to the content you submit and that it does not violate the law or the rights of others. Feedback you send us may be used without restriction or obligation to you.

You may not use the Platform for any unlawful, harmful, deceptive, or abusive purpose, to circumvent the Platform’s payments, to infringe others’ rights, to scrape or gain unauthorized access, or in violation of the Acceptable Use Policy. We may screen ideas before publication, remove content, and suspend or terminate accounts that violate these Terms, with strikes and an appeals process as described in our policies.

Initiating a bank chargeback instead of using the Platform’s dispute process may result in account action. For wallet top-ups, where Kamirin is the merchant of record, a chargeback or payment dispute is handled directly by Kamirin, and we may reverse or freeze the corresponding store credit — including credit already spent. We maintain fraud, velocity, and anti-collusion controls and may hold, reverse, or decline transactions we reasonably believe to be fraudulent. We may set off amounts you owe us (including chargebacks, reversed refunds, and negative balances) against your wallet balance and any payouts we hold for you.

The Platform is provided “as is” and “as available,” without warranties of any kind. To the maximum extent permitted by law, Kamirin disclaims all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement, and is not responsible for the acts, content, or performance of creators or fans.

To the maximum extent permitted by law, Kamirin will not be liable for indirect, incidental, consequential, special, or punitive damages, and our total liability for any claim will not exceed the greater of the total fees you paid us in the 12 months before the claim or USD 100. These limits do not apply to: (a) wallet or stored-value balances we owe you; (b) refunds due to you under Section 4; (c) our gross negligence, willful misconduct, or fraud; or (d) rights that cannot be limited or waived under applicable law. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

You agree to indemnify and hold Kamirin and its officers, employees, and agents harmless from claims, damages, and expenses (including reasonable legal fees) arising out of your content, your use of the Platform, or your violation of these Terms, the Acceptable Use Policy, or the law.

Informal resolution first. Before starting a formal proceeding, you agree to contact us at legal@kamirin.com and give us 30 days to resolve the dispute.

Binding individual arbitration. If we cannot resolve it, you and Kamirin agree that any dispute will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules and governed by the Federal Arbitration Act, rather than in court, except that either party may bring an individual claim in small-claims court. You and Kamirin waive the right to a jury trial and the right to participate in a class, collective, or representative action. You may opt out of this arbitration agreement by emailing legal@kamirin.com within 30 days of first accepting these Terms. These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws rules. If the class-action waiver is found unenforceable, the rest of this section still applies.

We may suspend or terminate your account for violations of these Terms or the Acceptable Use Policy, for suspected fraud, or as required by law. You may close your account at any time from your settings. On closure, we resolve any pledges and held payouts as described in Section 4, and we return any remaining wallet balance to you by the method and within the time required by applicable law. Sections 6, 8, 9, 10, and 11 survive termination.

These Terms, together with the Privacy Policy and Acceptable Use Policy, are the entire agreement between you and Kamirin. We may assign them in connection with a merger or sale; you may not. Our failure to enforce a provision is not a waiver. If a provision is unenforceable, the rest remains in effect. We are not liable for delays or failures caused by events beyond our reasonable control. You consent to receive notices and communications from us electronically, and we may send legal and account notices to your account email; notices to Kamirin must be sent to legal@kamirin.com. You may not scrape, reverse-engineer, or use automated means to access the Platform except as expressly permitted. We may modify or discontinue features of the Platform at any time. Stripe is an intended third-party beneficiary of Section 5; there are no other third-party beneficiaries of these Terms.

We may update these Terms. For material changes we will provide notice (for example, by email or in the product) and update the version above. Questions about these Terms can be sent to legal@kamirin.com.