Terms of Use

Last Updated: September 26, 2025

These Terms of Use govern the access to and use of the Platform “Lumini”, including all Services provided through it.

The Terms of Use define the conditions under which Users may register, create accounts, act either as Authors or Buyers, and interact with each other via the Platform. They also regulate the types of Services provided, applicable fees, and payment methods.

By using the Platform, you agree to be bound by these Terms of Use. Please read this document carefully before accessing or using the Platform.

References to “we”, “our”, or “us” mean the Platform “Lumini”.

References to “you” or “your” mean the User of the Platform, whether acting as an Author or a Buyer.

For the purposes of these Terms of Use, the words “they” and their derivatives apply equally to all persons, irrespective of gender-neutral, and include both natural and legal persons unless the context requires otherwise.

1. DEFINITIONS

1.1. Account means a set of records created on the Platform by the User through registration, which contains identification and contact information, settings, and other Data necessary for accessing and using the Services, and which serves to identify the User as an Author or Buyer within the Platform.

1.2. Content means any works, goods, services, text, images, videos, audio, graphics, designs, software, data, information, descriptions, or other materials uploaded, published, offered, or otherwise made available by an Author through the Platform, including any related metadata or promotional materials.

1.3. Personal Data means any information relating to an identified or identifiable natural person (User). An identifiable natural person is one who can be identified, directly or indirectly.

1.4. Statistical Data means information about the operation of the Platform and marketplace activity (including interactions of Authors and Buyers) that reflects aggregated measurements, trends, or performance indicators and is produced by the Platform in a manner (aggregation, anonymization or de-identification) that does not identify an individual User and cannot reasonably be used to do so.

1.5. Data means common name for Personal and Statistical Data.

1.6. Services means the set of functionalities and opportunities provided by the Platform to Users, including enabling Authors to offer their works, enabling Buyers to purchase such works, and ensuring the technical, informational, and organizational support necessary for the operation of the marketplace.

1.7. Author means a User who, through the Platform, offers works, goods, or services for sale to Buyers under the rules and functionality of the Platform.

1.8. Buyer means a User who, through the Platform, purchases works, goods, or services offered by Authors under the rules and functionality of the Platform.

1.9. User means a common name for Author and Buyer.

1.10. Platform’s website (hereinafter referred to as the “Site”) means a web page or a group of web pages on the Internet located at:https://lumini.net/

1.11. Platform “Lumini” (hereinafter – the “Platform” or “Lumini”) means an online marketplace owned and operated by a self-employed person registered in the Republic of Cyprus.

1.12. Privacy Policy is a written document that regulates the collection and processing of personal data. More detailed information is available at the following link.

1.13. Third Party means a natural or legal person, government agency, institution or body besides the Platform or the User.

1.14. User consent (hereinafter referred to as “Consent”) means a voluntary, specific, informed and unambiguous expression of will in which the User, by means of a statement or clear positive action, agrees to the terms of the provision of the Services.

2. ACCOUNT

2.1. To access and use the Services of the Platform, every User must have an Account. The Account is created either (i) directly by the User through the registration procedure, or (ii) automatically by the Platform upon the User providing contact details (such as an email address) when making a purchase.

2.2. The Account serves to identify the User within the Platform, enables the User to act as a Author or Buyer, provides access to functionalities of the Platform (including offering works, purchasing works, managing transactions, and using communication tools), and stores Data necessary for the provision of Services.

2.3. Access to the Account is carried out by means of authentication credentials, including the User’s email address and password (or other credentials permitted by the Platform, such as social logins or one-time codes). The User is responsible for maintaining the confidentiality of their credentials and for all activities performed under their Account

2.4. The User may delete their Account at any time through the profile settings. Deletion of the Account shall not affect the availability of works, goods, or services previously purchased by Buyers, which remain accessible in accordance with these Terms of Use.

2.5. Each User may hold only one Account on the Platform. The Platform reserves the right to suspend or delete Accounts that are duplicative, fraudulent, or otherwise in violation of these Terms of Use.

3. VERIFICATION

3.1. Prior to obtaining the status of Author on the Platform, each applicant shall undergo a manual verification procedure conducted by the Platform. The purpose of such verification is to assess the applicant’s professional background, expertise, and reputation. This includes the review of publicly available professional profiles (such as LinkedIn, personal websites, or portfolios) and evaluation of the quality of works submitted for publication on the Platform. The Platform reserves the right to reject or suspend the registration of any applicant where there are reasonable grounds to suspect fraudulent activity, misrepresentation, or non-compliance with the quality standards of the Platform.

3.2. For the purpose of receiving payouts, each Author is required to undergo full financial verification (“Know Your Customer” / “KYC” and, where applicable, “Anti-Money Laundering” / “AML” checks) directly with the Platform’s authorised Payment Service Providers (PSPs). The Platform does not independently collect or store financial identification Data but relies on its PSP partners to perform such verification in accordance with applicable law. Authors acknowledge that successful completion of KYC/AML verification with a payment partner is a mandatory condition for receiving payouts.

3.3. The Platform does not carry out a formal verification procedure for Buyers. Verification of Buyers is limited to the standard anti-fraud checks performed automatically by the payment service providers during the payment process. The Platform does not collect, store, or process Buyers’ payment card Data and relies on payment partners for fraud prevention measures.

3.4. The Platform reserves the right to conduct additional checks at any time where there are reasonable suspicions of fraud, violation of these Terms of Use, or misuse of the Platform. The Platform may suspend or terminate a User’s Account pending the outcome of such checks.

4. CONTENT REQUIREMENTS

4.1. Authors are solely responsible for the Content they upload, publish, or otherwise make available through the Platform. All Content must comply with these Terms of Use, the laws of the Republic of Cyprus, mandatory provisions of European Union law, and any additional guidelines published by the Platform.

4.2. Authors are strictly prohibited from uploading, publishing, distributing, or otherwise making available any Content through the Platform that:

4.2.1. Violates intellectual property or proprietary rights – including works that infringe copyrights, trademarks, patents, trade secrets, moral rights, or contractual rights of any Third Party, or that constitute unauthorised reproductions, adaptations, translations, or derivative works;

4.2.2. Contains false, misleading, fraudulent, or deceptive statements – including misrepresentations about the origin, authorship, quality, functionality, or availability of works, goods, or services; deceptive advertising; or any Content likely to mislead Buyers or damage the reputation of the Platform;

4.2.3. Promotes or depicts unlawful, harmful, or discriminatory conduct – including glorification or incitement of violence, terrorism, hate speech, harassment, exploitation, or abuse of individuals or groups based on race, ethnicity, nationality, citizenship, religion, political beliefs, gender, gender identity, sexual orientation, disability, or any other protected characteristic under applicable law;

4.2.4. Contains sexually explicit or otherwise inappropriate material – including pornography, sexually suggestive depictions involving minors (real or simulated), obscene or indecent material, or any Content that would reasonably be considered offensive or unsuitable for the general audience of the Platform;

4.2.5. Violates applicable laws or regulations – including but not limited to consumer protection, advertising standards, unfair competition, export controls, data protection, privacy, financial services, anti-money laundering (AML), or tax laws;

4.2.6. Contains malicious code or harmful technological elements – including viruses, trojans, worms, logic bombs, spyware, adware, ransomware, or any other software, code, or file designed to interrupt, damage, limit, or gain unauthorised access to systems, networks, or User Data;

4.2.7. Endangers public safety or security – including instructions for manufacturing weapons, explosives, drugs, or engaging in illegal activities, or any Content that could reasonably be considered a threat to life, health, or property;

4.2.8. Constitutes spam, manipulation, or deceptive practices – including mass unsolicited communications, artificially inflating ratings or reviews, manipulating search results or rankings, or otherwise undermining the integrity of the marketplace;

4.2.9. Unlawfully uses personal or confidential information – including the unauthorised publication or distribution of another person’s personal Data, confidential information, or Content obtained in breach of privacy rights or contractual obligations.

4.3. Authors must ensure that all Content they upload or publish on the Platform complies with the following requirements:
4.3.1. Accuracy of description. Each item (work or good) offered for sale must be described truthfully and precisely, including its key characteristics, features, format, and any relevant limitations. Descriptions, titles, tags, and images must correspond to the actual item being offered and must not exaggerate or omit essential information that could affect the Buyer’s decision.

4.3.2. Standards of professionalism and originality. All Content must meet the quality standards set by the Platform, including clarity, originality, and relevance to the marketplace. Authors must ensure that works or goods they publish are their own creations or that they have all necessary rights and authorisations to distribute them. Plagiarism, copied materials, or low-quality submissions (including incomplete or improperly formatted files, blurred images, or defective goods) are not permitted.

4.3.3. Non-misleading representations. Content must not misrepresent or conceal the origin, characteristics, or quality of the works or goods offered. This includes prohibiting the use of inaccurate previews, manipulated images, false claims of authorship, or any other practice that may deceive Buyers as to the true nature or value of the item.

4.3.4. Compliance with marketplace purpose. Content must be relevant to the thematic and functional scope of the Platform. Authors are prohibited from uploading irrelevant or unrelated materials that do not correspond to the intended use of the marketplace.

4.3.5. Updates and corrections. Authors are obliged to promptly correct or update Content if errors, inaccuracies, or deficiencies are identified, whether by the Author, the Platform, or through Buyer feedback.

4.4. By uploading Content to the Platform, the Author grants the Platform a non-exclusive, worldwide, royalty-free licence to store, display, and distribute such Content for the purposes of operating the Platform, promoting the Author’s works, and ensuring the functionality of the marketplace.

4.5. The Platform reserves the right, but not the obligation, to:

4.5.1. review, monitor, and evaluate Content for compliance with these Terms of Use;

4.5.2. remove, block, or restrict access to any Content that, in the Platform’s reasonable opinion, violates these Terms of Use, applicable law, or the rights of Third Parties;

4.5.3. suspend or terminate the Account of an Author who repeatedly or materially breaches these Content Requirements;

4.5.4. preserve and disclose Content where required to comply with applicable law, regulatory requests, or court orders.

4.6. The Author remains fully liable for any Content they upload or publish. The Platform disclaims all responsibility for the legality, accuracy, or quality of Author Content and shall not be liable for any claims, losses, or damages arising out of the publication or use of such Content.

4.7. The Author represents and warrants that all Content uploaded or published via the Platform (i) is the Author’s own original work or the Author holds all necessary rights, licenses, permissions, and releases (including for copyrights, trademarks, design rights, database rights, publicity and privacy rights, and any moral rights where applicable) to use and commercialise such Content on the Platform; (ii) does not infringe, misappropriate, or otherwise violate any rights of a Third Party. Upon the Platform’s request, the Author shall promptly provide written evidence of the foregoing rights and consents and shall fully cooperate with any review, investigation, or notice-and-takedown procedure. The Author bears sole responsibility and liability for the Content, including for any claims, damages, losses, costs, and expenses (including reasonable legal fees) arising from or related to alleged or actual infringement or unlawful use of Third-Party rights, and shall defend, indemnify, and hold the Platform harmless against any such claims. The Platform reserves the right, at its sole discretion and without prior notice, to remove, block, or disable access to any Content suspected of violating these Terms of Use or applicable law; to request modifications or replacement of such Content; and to suspend or terminate the Author’s Account (and, where necessary, restrict access to payouts relating to the disputed Content to the extent permitted by applicable law and payment partner rules).

5. PROVISION OF SERVICES

5.1. The Platform provides an online marketplace that enables Authors to publish and offer their works or goods for sale and enables Buyers to browse, purchase, and access such works or goods. The Platform itself does not act as an Author of the works or goods, and all transactions are concluded directly between Authors and Buyers, with the Platform acting solely as an intermediary providing the technical and organisational infrastructure.

5.2. The Services of the Platform include:

5.2.1. providing technical infrastructure to enable Authors to upload and publish their Content;

5.2.2. ensuring that Buyers can browse and purchase works or goods offered by Authors;

5.2.3. facilitating the processing of payments through authorised third-party payment service providers;

5.2.4. providing communication tools and notifications necessary for the functioning of the marketplace;

5.2.5. implementing mechanisms for verification, monitoring, and compliance with the Content Requirements.

5.3. The Platform is not a party to the transaction between Author and Buyer and does not assume any liability for the quality, legality, safety, or conformity of the works or goods offered by Authors. The Platform does not guarantee that any work or good offered will meet the Buyer’s expectations or specific requirements.

5.4. The Platform reserves the right to modify, suspend, or discontinue any aspect of the Services at any time, including but not limited to the structure, functionality, or availability of the Site, provided that such changes do not unreasonably deprive Users of access to works or goods already purchased.

6. PAYMENTS

6.1. General Principles.
All payments on the Platform are processed exclusively through our authorized payment partners. The Platform does not collect or store your payment card data.

6.2. Terms for Buyers.
Buyers agree to pay the prices for Content as listed on the Platform at the time of purchase.

6.3. Terms for Authors.
All financial relations with Authors, including the specific commission amount, payout schedule, and detailed payment terms, are governed by the Public Offer Agreement, which Authors accept upon registration. In the event of any conflict between these Terms of Use and the Public Offer Agreement, the provisions of the Public Offer Agreement shall prevail.

6.4. General Platform Rights.
To ensure the integrity and security of the marketplace, the Platform applies the following rules to all transactions and payouts:

(a) Third-Party Fees.
All fees, charges, and commissions imposed by payment service providers, intermediary banks, or other third parties (including, but not limited to, payment processing fees, withdrawal fees, bank fees, and currency conversion fees) are fully borne by the Author. The Platform does not cover, reimburse, or share any such fees. These fees may be automatically deducted by the payment service provider from the payout amount before funds are received by the Author.(b) Right to Withhold Payouts. The Platform reserves the right to suspend or withhold payouts in whole or in part if:
(i) there is an ongoing dispute, chargeback, or refund request related to an Author’s transactions;
(ii) there is a reasonable suspicion of fraud, misuse of the Platform, violation of these Terms of Use, or breach of applicable law; or
(iii) required compliance reviews (including KYC/AML checks) have not been successfully completed.
(c) Limitation of Liability. Once a payout has been transmitted to an Author’s designated account via the authorized payment partner, the Platform’s obligations in respect of such payout shall be deemed fully discharged. The Platform shall not be liable for delays, losses, or failures attributable to banks, payment providers, or intermediary institutions beyond its reasonable control.

7. REFUNDS

7.1. The Buyer shall be entitled to exercise the right of withdrawal within fourteen (14) calendar days from the date of purchase, provided that the conditions for such withdrawal, as set out in this Policy, are met. Upon receipt of a valid withdrawal or refund request, the Platform shall ensure that the corresponding payment is reimbursed to the Buyer without undue delay and, in any event, no later than fourteen (14) calendar days from the date on which the Buyer communicated the request. The reimbursement shall be made using the same means of payment as was originally used for the transaction, unless the Buyer has expressly agreed otherwise and provided that no additional costs are incurred as a result of such alternative method.

7.2. If a digital product is technically defective, corrupted, or does not correspond to the description provided by the Author, the Buyer is entitled to a refund. In such cases, the refund shall be limited to the specific product affected.

7.3. If the Buyer purchases a bundle or package of multiple digital products, and one or more of the included products is defective or does not correspond to its description, the Buyer shall be entitled to a proportional refund (e.g., one-fifth of the purchase price if one of five items is defective).

7.4. Refunds shall not be granted in the following cases:

7.4.1. the Buyer has already downloaded, accessed, or otherwise used the product, except where it is defective;

7.4.2. dissatisfaction with the product that does not relate to its functionality or compliance with the description;

7.4.3. issues caused by the Buyer’s device, software, or internet connection.

7.5. The Buyer must submit a refund request to the Platform’s support service by email at info@lumini.net within fourteen (14) calendar days from the date of purchase. The refund request must include: a) the order number or receipt confirming the purchase; b) the title of the product(s) concerned; c) a description of the reason for the refund (e.g., product not downloaded, product defective, or product not as described).

7.6. Upon receipt of the refund request, the Platform will acknowledge the request within three (3) business days and initiate a review in cooperation with the Author.

7.7. The Platform will verify whether the conditions for a refund are met (for example, whether the product has been downloaded, whether technical defects are confirmed, or whether the description provided was misleading).

7.8.Transaction fees and charges imposed by authorised Payment Service Providers (PSPs) or intermediary banks shall not be refunded, as such fees are collected by third parties.

7.9. In the event that a refund is approved after the Author has already received payout for the relevant transaction, the refunded amount shall be deducted from the Author’s subsequent payouts. The refund amount to the Buyer shall be the full price paid for the Digital Product. Any transaction fees and charges imposed by payment service providers may be deducted from the Author’s subsequent payouts or balance, and the Platform shall not be liable for reimbursing such fees to the Author.

7.10. The Platform reserves the right to decline refund requests if there are reasonable grounds to believe that the request is abusive, fraudulent, or inconsistent with the principles of fair use.

7.11. The Platform shall notify the Buyer of the outcome of the refund request by sending a written notice to the email address provided during registration. Such notice shall be delivered within seven (7) calendar days from the date of receipt of the refund request and shall specify whether the request has been approved, partially approved, or refused, the product(s) concerned, the refund amount and currency, the method of reimbursement, and, in the case of refusal, the reasons for denial.

8. INTELLECTUAL RIGHTS

8.1. All intellectual property rights in and to the Platform, including but not limited to its software, design, interface, databases, logos, trademarks, and any other elements created or owned by the Platform, shall remain the exclusive property of the Platform. Users are granted a limited, non-exclusive, non-transferable, and revocable right to access and use the Platform strictly for the purposes of purchasing or selling works, goods, or services in accordance with these Terms of Use.

8.2. Each Author represents and warrants that the Content uploaded to the Platform is their own original creation or that they hold all necessary licenses, rights, and permissions from third parties to lawfully publish, distribute, and sell such Content. The Author shall remain solely responsible for ensuring that their Content does not infringe upon any intellectual property rights, trade secrets, moral rights, or other proprietary rights of third parties.

8.3. By uploading Content to the Platform, the Author grants the Platform a worldwide, royalty-free, non-exclusive license to host, store, display, reproduce, adapt, and communicate such Content solely for the purposes of operating, promoting, and providing the Platform’s services. This license does not transfer ownership of the Content to the Platform, and all rights not expressly granted remain with the Author.

8.4. The Platform reserves the right, at its sole discretion, to remove or disable access to any Content that is alleged to infringe third-party intellectual property rights or otherwise violates these Terms of Use. The Author shall fully indemnify and hold harmless the Platform against any claims, damages, liabilities, or expenses arising out of or in connection with the publication or sale of Content that infringes third-party rights.

8.5. The Buyer acquires a limited, non-transferable right to use the purchased digital works or goods strictly for personal or internal business purposes, unless otherwise expressly authorized by the Author. No Buyer shall obtain ownership of intellectual property rights in any Content purchased through the Platform, and any further distribution, resale, modification, or public use of such Content without the Author’s prior written consent is strictly prohibited.

9. RESPONSIBILITY

9.1. The Platform shall use reasonable technical and organizational measures to ensure the proper functioning of the marketplace, however, it does not guarantee uninterrupted or error-free operation of the Site or Services, as access may be temporarily restricted due to maintenance, updates, or circumstances beyond the Platform’s control.

9.2. Each Author is solely responsible for the Content they upload, publish, or distribute through the Platform, including ensuring its legality, accuracy, and compliance with intellectual property rights and applicable laws. The Author shall indemnify and hold harmless the Platform from any claims, damages, or liabilities arising out of or in connection with such Content.

9.3. Each Buyer is responsible for ensuring the suitability of purchased works or goods for their intended use. Dissatisfaction not connected with technical defects or non-compliance with the description shall not constitute grounds for liability of the Platform.

9.4. The Platform operates a system of sanctions in case of violations:

9.4.1. for minor violations, the User may receive a warning;

9.4.2. for serious violations, including but not limited to fraud, submission of prohibited Content, or repeated breaches of these Terms of Use, the User’s account may be immediately blocked and funds on balance may be frozen to cover potential damages or claims.

9.5. Lumini acts solely as a moderator in financial disputes between Users. The Platform facilitates communication and may assist the parties in reaching an agreement; however, the final decision regarding refunds or chargebacks is made exclusively by the authorised payment service provider. In the event of violations of the Platform’s rules, Lumini reserves the right to impose its own sanctions, including account blocking and suspension of payouts.

9.6. The Platform shall not be liable, whether directly or indirectly, contractually or extra-contractually, for any losses, damages, claims, or other adverse consequences arising in connection with the following:
9.6.1. Content and Products of Authors. The Platform does not control, verify, or guarantee the substance, accuracy, completeness, originality, or legality of any Content or products uploaded, published, or offered by Authors. All responsibility for ensuring compliance with applicable laws lies solely with the Author.

9.6.2. Outcomes or Results of Use. The Platform does not provide warranties as to the suitability, effectiveness, or results of using Content or products. Any use is at the sole risk of the Buyer.

9.6.3. Tax Obligations of Authors. Each Author bears full responsibility for determining, reporting, and paying all applicable taxes, levies, and contributions in their jurisdiction. The Platform shall not be deemed a tax agent and shall not be held responsible for the Author’s tax obligations.

9.6.4. Third-Party Services and Integrations. The Platform integrates with external services, including but not limited to payment providers, hosting providers, and analytics tools. The Platform shall not be liable for failures, delays, or data breaches attributable to such third-party services, as they operate under their own terms and privacy policies.

9.6.5. User Conduct. The Platform is not liable for any acts or omissions of Users, including fraud, misrepresentation, unlawful distribution of Content, or violation of third-party rights. Each User is solely responsible for their conduct on the Platform.

9.6.6. System Interruptions and Force Majeure. The Platform shall not be liable for interruptions, delays, or damages caused by circumstances beyond its reasonable control, including but not limited to technical failures, cyberattacks, natural disasters, governmental actions, or strikes.

9.6.7. No Professional Advice. Any materials, Content, or products available on the Platform are provided “as is” and shall not be considered professional, financial, legal, educational, or medical advice. The Platform disclaims liability for reliance placed on such materials by Users.

9.7. To the maximum extent permitted by applicable law, the total aggregate liability of the Platform, its owners, directors, employees, or affiliates arising out of or in connection with the use of the Platform, the Services, or any transaction conducted through the Platform, whether in contract, tort, or otherwise, shall in no event exceed the amount of commission actually received by the Platform from the specific transaction that gave rise to the claim. Under no circumstances shall the Platform be liable for any indirect, incidental, consequential, punitive, or special damages, including but not limited to loss of profits, loss of data, reputational harm, or business interruption, even if the possibility of such damages has been advised or could have been reasonably foreseen.

9.8. The Platform will not be liable for damages caused by the actions of hackers, malicious software, or other types of unauthorized access to and use of the Site.

10. GOVERNING LAW AND DISPUTE RESOLUTION

10.1. All relationships between the Platform and the User arising in connection with these Terms of Use or the use of the Services shall be governed by the laws of the Republic of Cyprus, without regard to its conflict of law principles.

10.2. To expedite resolution and minimize the costs of any dispute, controversy, or claim related to these Terms of Use (each a “Dispute” and collectively “Disputes”), the Parties agree to first attempt to resolve any Dispute through good-faith negotiations for at least ten (10) business days after written notice by one Party to the other Party.

10.3. Any Dispute not resolved through informal negotiations shall be submitted to the exclusive jurisdiction of the competent courts of the Republic of Cyprus.

11. USER CONSENT

11.1. The use of the Platform requires the User’s explicit Consent to these Terms of Use. Consent shall be valid only if it is freely given, informed, specific, and unambiguous.

11.2. The following actions of a Buyer are deemed to constitute consent to these Terms of Use:

11.2.1. registering a Buyer Account on the Platform;

11.2.2. browsing, selecting, or purchasing works or goods offered by Authors;

11.2.3. expressly accepting these Terms of Use during checkout or when prompted while accessing Platform functionality.

11.3. By performing any of the foregoing actions, the Buyer agrees to be legally bound by these Terms of Use in full, including:

11.3.1. the rules governing purchases, pricing, payments, refunds and chargebacks as set out herein;

11.3.2. the creation and maintenance of the Buyer Account and the receipt of transactional notifications to the email address associated with the Account;

11.3.3. the use of authorised payment providers and the application of their standard anti-fraud and payment-security procedures to Buyer transactions.

11.4. The following actions of an Author are deemed to constitute consent to these Terms of Use:

11.4.1. registering an Author Account on the Platform;

11.4.2. uploading, publishing, or otherwise offering works or goods for sale through the Platform;

11.4.3. completing required verification with authorised payment providers;

11.4.4. expressly accepting these Terms of Use during checkout or when prompted while accessing Platform functionality.

11.5. By performing any of the foregoing actions, the Author agrees to be legally bound by these Terms of Use in full, including:

11.5.1. deduction and retention by the Platform of a commission fee, the amount and terms of which are specified in the Author Agreement from each completed sale, the payout schedule, minimum payout threshold, and allocation rules stated in the Payments section, and the Author’s responsibility for payment-provider and banking fees;

11.5.2. completion of KYC/AML checks with authorised payment providers as a condition to receiving payouts;

11.5.3. the Platform’s right to suspend or withhold payouts, apply warnings, block the Account, and freeze funds on balance to cover potential claims in cases of breach, fraud, or disputes;

11.5.4. compliance with content standards, moderation, and takedown requirements;

11.5.5. the Platform’s limited promotional use of the Author’s name and listing information to promote the Platform and the Author’s activity on it, as described herein.

11.6. Consent is expressed by explicit affirmative action, including ticking a checkbox, marking a selection field, clicking an acceptance button, or proceeding with registration, upload, checkout, or continued use of the Platform after being presented with these Terms of Use. If the User does not provide consent, or withdraws consent, the User is not entitled to create or maintain an Account or to use the Platform in any capacity and shall cease use immediately.

12. IMPLEMENTATION OF CHANGES

12.1. The Platform reserves the right to amend these Terms of Use at any time, including in connection with changes in the provision of Services or in the amount of commission. Such amendments shall take effect from the moment the new version is published on the Site.

12.2. For Authors, any significant changes regarding their rights and obligations will be communicated via email and/or a notification on the Platform no less than 30 (thirty) calendar days before they come into force, as stipulated in the Public Offer Agreement.

12.3. All Users are obliged to familiarize themselves with the current version of the Terms of Use. Continued use of the Platform after the changes are published constitutes acceptance of the new terms, and the Platform is not responsible if a User has not reviewed them.

12.4. Electronic or otherwise stored copies of the Terms of Use are deemed to be the true, complete, valid, and enforceable versions in effect at the time you visit the Site.