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Payments Terms

Effective date: [Effective Date] · Last updated: October 11, 2026

Draft boilerplate pending legal review. Bracketed items are placeholders.

This page brings together the following policies.

  1. Payments Disclosures
  2. Fee Schedule Disclosure
  3. Refund and Chargeback Policy
  4. Card Network Compliance
  5. Tax Information Notice

1. Payments Disclosures

The following payment disclosures outline the financial operations, advisory scope, and third-party processing relationships associated with Neon Orchid and its interactions with independent adult content creators and platform users.

1.1 Scope of Payment-Operations and Advisory Services

[Legal Entity Name] provides advisory and operational support regarding third-party payment processing for independent adult content creators. We do not act as a direct money transmitter, payment gateway, or financial institution. Instead, we assist creators in navigating external third-party merchant accounts, payout structures, and platform-specific financial tools associated with services like OnlyFans and Fansly.

Our services are strictly operational and advisory in nature, designed to help creators optimize their financial workflows while maintaining full adherence to the terms of service established by host subscription platforms.

1.2 Third-Party Payment Processors and Gateways

Financial transactions, subscriptions, and payouts facilitated through our managed platforms or client accounts are processed by independent third-party financial institutions, payment gateways, and processors. Neon Orchid does not store, process, or directly handle primary consumer credit card numbers, bank routing numbers, or sensitive financial data on neonorchid.app.

All payment processing terms, transaction fees, chargeback policies, and operational payout limits are governed entirely by the respective third-party payment providers and host platforms rather than [Legal Entity Name].

1.3 Creator Payouts, Earnings, and Revenue Shares

Revenue sharing agreements, management commissions, and creator payouts are handled in strict accordance with individual representation contracts executed between [Legal Entity Name] and the independent creator. Estimated earnings or financial projections displayed through our technology services or marketing materials are illustrative only and do not constitute a guarantee of income.

Actual payout timelines depend heavily on platform-specific holding periods, banking clearing times, and third-party identity verification procedures. [Legal Entity Name] assumes no liability for processing delays originating from third-party financial institutions or hosting platforms.

1.4 Compliance, Chargebacks, and Reserve Funds

Independent creators retain ultimate financial responsibility for chargebacks, refunds, consumer disputes, and compliance infractions associated with their independent accounts on third-party platforms. In certain operational arrangements, payment processors or platforms may require rolling reserves or hold funds to cover potential chargeback liabilities.

[Legal Entity Name] assists in managing risk mitigation strategies, but does not absorb creator liability for chargeback losses, disputed transactions, or account clawbacks unless explicitly agreed upon in a signed written contract.

1.5 International Payments, Currency Conversion, and Compliance

For creators and clients operating across international borders, payments may be subject to foreign exchange conversion fees, international wire fees, and cross-border regulatory compliance frameworks. Depending on the user location, processing activities may intersect with regional mandates such as the European Union General Data Protection Regulation, United Kingdom data protection laws, or California Consumer Privacy Act financial recordkeeping requirements.

Users acknowledge that currency exchange rates fluctuate constantly and are determined exclusively by third-party financial intermediaries and banking institutions rather than [Legal Entity Name].

1.6 Tax Reporting, Withholding, and Legal Obligations

Independent contractors and creators managed by [Legal Entity Name] are solely responsible for filing, reporting, and remitting their own income taxes, self-employment taxes, and value-added taxes in their respective jurisdictions. [Legal Entity Name] does not withhold taxes from creator payouts unless required by applicable law or formal agreement.

Depending on the total volume of payments processed through specific channels, third-party platforms or [Legal Entity Name] may issue statutory tax reporting forms, such as Form 1099 in the United States. Creators should consult independent legal and tax professionals regarding their specific financial obligations.

1.7 Contact and Payment Support Inquiries

If you have questions regarding our payment-operations support, advisory scope, or financial disclosures, you may contact our administrative team. For specific platform payout issues or direct transaction disputes, creators should first consult the support desk of the relevant host platform or payment processor.

Official inquiries may be directed to our designated compliance contact at [Email] or by mail at [Address], attention to [Custodian of Records Name].

2. Fee Schedule Disclosure

This Fee Schedule Disclosure outlines the standard fees, commission structures, and billing terms for services provided by [Legal Entity Name], a [State] [entity type], operating under the trade name Neon Orchid at neonorchid.app. Our goal is to maintain complete financial transparency with the independent adult content creators we represent.

2.1 General Fee Principles

[Legal Entity Name], operating as Neon Orchid, provides specialized talent management, advisory, and technology services for independent adult content creators aged 18 and older. Our fee structure is designed to align our success directly with the growth and earnings of the creators we represent.

All applicable fees, commissions, and payment terms are formally agreed upon prior to the commencement of services via a signed representation or service agreement.

2.2 Talent Management Commissions

For talent management agency services on subscription platforms such as OnlyFans and Fansly, Neon Orchid charges a commission based on a percentage of the creator's gross earnings.

This commission covers ongoing account optimization, promotional strategy support, messaging management, and dedicated creator growth advisory services.

2.3 Technology and AI Likeness Services

Creators utilizing our proprietary technology services, including consented AI likeness models, audience data tools, and creator infrastructure, are subject to specific technology fees.

These fees may be structured as monthly subscription charges, usage-based fees, or a percentage share of revenue generated directly through specific technology deployments.

2.4 Payment Advisory and Operations

Our payment advisory and operational support services assist creators in establishing compliant financial workflows, managing payouts, and navigating multi-platform financial operations.

Fees for these advisory services are billed either as flat consulting rates or as an agreed percentage of funds successfully routed and managed through our recommended payment structures.

2.5 Billing and Invoicing Terms

Management commissions and revenue shares are typically deducted at the source or invoiced on a [Billing Cycle] schedule. Creators are responsible for ensuring that linked platform accounts have accurate payout routing to facilitate automated fee deductions where applicable.

In the event of disputed charges, creators must notify our administrative team in writing within [Number] days of the invoice or deduction date.

2.6 Taxes, VAT, and International Compliance

Depending on the creator's residency and the jurisdiction of their audience, applicable sales taxes, Value Added Tax (VAT), or digital services taxes may apply to commercial transactions.

For international creators, including those residing in jurisdictions governed by GDPR, UK data protection frameworks, or Canadian tax laws, local regulatory standards govern the collection and remittance of applicable service fees.

2.7 Modifications to Fee Schedule

[Legal Entity Name] reserves the right to modify this Fee Schedule Disclosure at any time. Notice of material changes will be provided to active creators via email or through the creator dashboard at neonorchid.app at least [Number] days prior to the effective date.

2.8 Questions and Support

If you have any questions regarding this Fee Schedule Disclosure, specific commission rates, or billing procedures, please contact our administrative team. We are committed to open communication and financial clarity for all partnered creators.

3. Refund and Chargeback Policy

This Refund and Chargeback Policy governs financial transactions, service fees, and dispute resolution procedures for Neon Orchid, operated by [Legal Entity Name], a [State] [entity type] located at [Registered Address] (website: neonorchid.app).

3.1 Scope of This Policy

This Refund and Chargeback Policy applies to all services, agreements, and financial interactions provided by [Legal Entity Name], doing business as Neon Orchid ("Neon Orchid", "we", "us", or "our"), through our website at neonorchid.app and via our creator management contracts. We operate as a talent management agency and technology service provider for independent adult content creators aged 18 and older operating on subscription platforms such as OnlyFans and Fansly.

Because our offerings encompass professional talent management, payments advisory, payment-operations support, and proprietary technology services such as consented artificial intelligence likeness models, audience data tools, and creator infrastructure, specific financial terms apply. By engaging our services or submitting an application through our website, you agree to the financial terms and conditions outlined in this policy.

3.2 Management Fees and Retainers

Neon Orchid provides comprehensive agency management and operational support structured through individual representation agreements. Compensation for our services typically involves a percentage-based revenue share, agreed-upon retainers, or milestone payments for specific technology setup and infrastructure deployment.

Once management services, advisory sessions, or technology integrations have been initiated or performed, all associated fees, retainers, and deployment costs are deemed fully earned and non-refundable. Any adjustments or custom billing arrangements must be explicitly stated in a signed, written addendum executed between the creator and an authorized representative of Neon Orchid.

3.3 General Refund and Cancellation Policy

As a standard practice, payments made to Neon Orchid for agency management, technical infrastructure, software setup, or advisory consulting are strictly non-refundable. We do not offer refunds, partial refunds, or account credits for partial months of management services, unused advisory hours, or completed technical deployments.

If a creator chooses to terminate their management agreement prior to the expiration of the contracted term, any prepaid retainers, non-recoverable technology costs, or administrative fees remain non-refundable. Termination terms, notice periods, and post-termination revenue splits are governed strictly by the underlying creator representation agreement.

3.4 Third-Party Platforms and End-User Transactions

Neon Orchid does not host, process, or sell adult content directly on neonorchid.app. Our website functions as a marketing portal and application form collecting names, email addresses, platform handles, interests, and free-text goals. All fan subscriptions, tips, pay-per-view purchases, and end-user financial transactions occur on external third-party platforms such as OnlyFans and Fansly.

Consequently, Neon Orchid has no control over, and assumes no liability for, subscription charges, billing errors, or refund requests initiated by end-user fans on third-party platforms. Fans seeking refunds for content or subscriptions must direct their inquiries to the respective hosting platform or the individual creator's account support team.

3.5 Chargeback and Dispute Procedures

We take financial compliance and dispute resolution seriously. If a creator or business partner disputes a charge or initiates an unauthorized chargeback with their bank, credit card issuer, or payment processor regarding fees owed to Neon Orchid, we reserve the right to suspend all active management, advisory, and technology services immediately.

Initiating a fraudulent or unwarranted chargeback constitutes a material breach of your service agreement. We reserve the right to submit comprehensive documentation, including signed contracts, communication logs, and proof of service delivery, to payment processors and financial institutions to contest improper chargebacks.

3.6 Fraud Prevention and Account Suspension

To protect our payment operations and maintain compliance within the adult entertainment and technology sectors, Neon Orchid monitors all financial interactions for suspicious activity. We reserve the right to withhold payouts, suspend creator infrastructure, and terminate management contracts if fraudulent financial activity is suspected or detected.

In cases where a chargeback results in a financial deficit, fee, or penalty for Neon Orchid, the affected creator or business entity is legally responsible for reimbursing the full disputed amount, plus any associated bank processing fees, chargeback penalties, and collection costs incurred by [Legal Entity Name].

3.7 Jurisdiction, International Rights, and Contact Information

This policy is governed by the laws of the State of [Jurisdiction], without regard to its conflict of law principles. For creators residing in regions with specific consumer or data protection frameworks, such as the European Union under the General Data Protection Regulation (GDPR), the United Kingdom under the UK GDPR, or the State of California under the California Consumer Privacy Act (CCPA), statutory rights regarding financial disputes or data privacy will be honored to the extent required by applicable law.

If you have questions regarding this Refund and Chargeback Policy, or if you need to report a billing inquiry, please contact our compliance department using the contact details provided below.

4. Card Network Compliance

Neon Orchid is committed to maintaining the highest standards of financial integrity, regulatory adherence, and card network compliance. As a talent management and payments advisory agency for independent adult content creators, [Legal Entity Name] works diligently to align our operations, technology services, and partner networks with the stringent rules established by major payment card brands.

4.1 Commitment to Payment Integrity and Card Network Rules

Neon Orchid operates in strict alignment with major card network operating regulations, including standards set by Visa, Mastercard, Discover, and American Express. As a specialized agency providing talent management, payments advisory, and creator infrastructure, we prioritize transparent operations and robust risk mitigation.

We maintain open communication channels with our financial partners and acquiring institutions to ensure our business practices consistently satisfy evolving industry mandates and card brand requirements.

4.2 Age Verification and Creator Eligibility

To comply with card network mandates and applicable federal, state, and international laws, Neon Orchid enforces stringent onboarding and eligibility protocols. Every creator represented through our agency or utilizing our infrastructure must be at least 18 years of age.

Our verification processes are designed to confirm identity and age prior to the commencement of any management services, payments advisory, or technology deployment.

4.3 Content Standards and Prohibited Practices

Although neonorchid.app functions primarily as a marketing and application portal rather than a direct content hosting or sales platform, we maintain rigorous oversight over the creators we represent. We prohibit association with any illegal, non-consensual, or high-risk content categories that violate card network rules.

Our internal standards require all managed creators to adhere strictly to the terms of service of their chosen hosting platforms, such as OnlyFans and Fansly, ensuring full alignment with acceptable use policies.

4.4 Transaction Monitoring and Risk Management

Our payment-operations support and advisory services incorporate comprehensive risk management frameworks designed to detect, evaluate, and prevent fraudulent activities. We assist creators in optimizing their financial operations while protecting against unwarranted chargebacks and transaction disputes.

We work proactively with financial institutions to identify anomalous patterns and maintain low dispute ratios across all supported advisory and operational channels.

4.5 Data Protection and Privacy Compliance

Neon Orchid collects personal information through our application portal, including names, email addresses, platform handles, and professional goals. We safeguard this data in accordance with applicable United States state privacy laws, the California Consumer Privacy Act (CCPA), and where applicable, the General Data Protection Regulation (GDPR) and UK data protection standards.

We implement robust technical and organizational measures to protect sensitive information against unauthorized access, disclosure, or misuse.

4.6 Reporting Violations and Compliance Inquiries

We maintain an open channel for card networks, acquiring banks, law enforcement agencies, and community members to report potential compliance violations, fraudulent activities, or policy breaches associated with Neon Orchid or our managed creators.

All reported concerns are investigated promptly by our compliance team, and appropriate remedial action is taken in accordance with [Jurisdiction] law and our internal standards.

4.7 Updates to Compliance Policies

Card network regulations, acquiring guidelines, and legal frameworks are subject to continuous evolution. Neon Orchid reserves the right to update this Card Network Compliance policy to reflect operational changes, technological advancements, or regulatory mandates.

Continued engagement with our agency services or website constitutes acknowledgement of these evolving compliance standards.

5. Tax Information Notice

This Tax Information Notice provides general guidance regarding tax compliance, information reporting, and documentation responsibilities for independent adult content creators and partners working with [Legal Entity Name], operating as Neon Orchid.

5.1 Introduction and Scope

[Legal Entity Name], a [State] [entity type] doing business as Neon Orchid, provides talent management, payments advisory, and technology infrastructure services to independent adult content creators. This Tax Information Notice outlines the general tax compliance responsibilities, information reporting practices, and documentation requirements applicable to creators and business partners utilizing our services through neonorchid.app.

Because tax regulations vary significantly based on your physical location, citizenship, and the specific platforms you utilize, this document serves as a general guide rather than formal tax, legal, or accounting advice. All creators and contractors are strongly encouraged to consult with a qualified, independent tax professional regarding their specific reporting obligations.

5.2 Independent Contractor Status

Creators and service providers who partner with Neon Orchid operate as independent business entities and independent contractors rather than employees of [Legal Entity Name]. Consequently, we do not withhold federal, state, local, or foreign income taxes from any disbursements, advisory payouts, or revenue streams managed through our platform operations.

You are solely responsible for tracking, reporting, and remitting all applicable income taxes, self-employment taxes, social security contributions, and value added taxes in your respective jurisdiction of residence and operation. Failure to maintain accurate business records may result in regulatory penalties and interest assessments from relevant tax authorities.

5.3 US Tax Reporting and Form 1099 Requirements

For creators and partners subject to United States tax jurisdiction, [Legal Entity Name] complies with applicable Internal Revenue Service information reporting rules. Depending on your annual earnings threshold and payment structure, you may be required to submit a completed IRS Form W-9 prior to receiving certain disbursements or advisory payments.

Where required by federal law, we will issue an IRS Form 1099 reporting payments made for services rendered during the applicable calendar year. It is your responsibility to ensure that your legal name, taxpayer identification number, and mailing address on file remain accurate and up to date to prevent reporting mismatches and processing delays.

5.4 International Tax and Cross-Border Considerations

For creators and business partners operating outside the United States, tax obligations are governed by the local laws of your country of residence as well as any applicable international tax treaties. To claim exemption from United States withholding taxes where eligible, non-U.S. individuals and entities must provide a properly executed IRS Form W-8BEN or W-8BEN-E.

Neon Orchid reserves the right to request updated international tax documentation periodically or whenever there is a material change in your account circumstances. Non-resident creators must ensure full compliance with local value added tax, goods and services tax, or digital service tax regulations applicable to digital content creation and management services.

5.5 Third-Party Platform Transactions

Neon Orchid provides payments advisory and payment-operations support, but third-party subscription platforms such as OnlyFans and Fansly directly process subscriber transactions and creator payouts. These external platforms maintain their own independent tax collection, withholding, and reporting procedures, including the issuance of separate tax documentation.

You should review the specific terms of service and tax help centers of each third-party platform you utilize to understand how platform-level revenue is reported to tax authorities. Neon Orchid assumes no liability for tax reporting errors, withheld funds, or compliance actions originating from third-party platforms.

5.6 Technology Services and Digital Asset Transactions

Revenues generated through technology services, consented AI likeness models, audience data tools, and creator infrastructure provided by Neon Orchid may be subject to specialized tax treatment depending on licensing agreements and intellectual property monetization structures.

You must accurately categorize all income received from digital licensing, software tools, and data analytics services on your annual tax returns. Our team can provide administrative transaction records upon request, but this data should be cross-referenced with your internal financial bookkeeping.

5.7 Record Keeping and Contact Information

We advise all creators and partners to maintain comprehensive financial records, including invoices, platform statements, bank deposits, and expense receipts, for a minimum of seven years or as required by local jurisdictional laws. Tax authorities retain the right to audit business filings and request supporting documentation at any time.

If you have questions regarding tax documentation submission, form updates, or administrative notices related to your account with [Legal Entity Name], please contact our tax administration team at [Email] or write to us at [Registered Address].