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 and that the information you provide is accurate. Accounts are personal; you are responsible for activity under your account and for keeping your credentials and two-factor authentication secure.

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.

Kamirin is non-custodial: the Platform never takes possession of your funds. Payments are processed by Stripe; the creator is the merchant of record for their content. Charges are made directly to the creator’s connected payment account, and the creator’s payout is held until delivery is confirmed.

If an idea is not accepted before it expires, no charge is made and the payment authorization is released.

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; the exact total is shown before you confirm.

After accepting an idea, the creator has a delivery window to fulfill it according to the stated acceptance criteria. Backers then have a confirmation window to confirm or dispute delivery; if no one disputes within the window, delivery is treated as confirmed and the creator’s payout is released.

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. Refunds are returned to the original payment method.

To receive payouts, creators must complete identity verification and payout onboarding with Stripe and provide required tax information. 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. Creators accepting ideas that involve elevated risk or a named third party must complete the required acknowledgments and consent steps before acceptance.

You may not use the Platform for any unlawful, harmful, deceptive, or abusive purpose, to circumvent the Platform’s payments, to infringe others’ rights, 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. We maintain fraud, velocity, and anti-collusion controls and may hold, reverse, or decline transactions we reasonably believe to be fraudulent.

The Platform is provided “as is.” To the maximum extent permitted by law, Kamirin disclaims all warranties and is not liable for indirect, incidental, or consequential damages, or for the acts, content, or performance of creators or fans. [Counsel to finalize the limitation-of-liability and warranty disclaimers.]

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We may update these Terms; material changes will be communicated and the version above will change. Questions about these Terms can be sent to the contact address published at launch.