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Creator Agreement

Effective: 2026-07-11 · Version: 0.2.0

This Creator Agreement is between you and Crumpert Limited (company number 17307057, England and Wales; registered office 16 Pennant Apartments, Devan Grove, London N4 2UZ) and applies if you set up a publication on Crumpert. It's in addition to the Terms of Service, Acceptable Use Policy, and Privacy Policy — those continue to apply.

By completing creator onboarding (/onboarding/creator) you accept this Agreement.

1. Eligibility

To set up a publication you must:

  • Be at least 18 years old
  • Have legal capacity to enter contracts
  • Pass Stripe Connect's identity verification (KYC) when payouts are turned on (phase 2)
  • Not be located in a jurisdiction subject to US, UK, or EU sanctions

We may decline or revoke creator status at our discretion, including for breach of these terms.

2. Your content; your responsibility

You retain ownership of everything you publish. You're solely responsible for:

  • The accuracy and lawfulness of your posts, comments, and trade entries
  • Compliance with the financial-services / financial-promotion rules applicable to your audience, including but not limited to:
    • UK: FCA s.21 FSMA 2000, COBS, MAR (UK Market Abuse Regulation)
    • US: SEC and FINRA rules on unregistered investment advice, market manipulation, and fraud
    • EU: MiFID II investment recommendation rules (Commission Delegated Regulation 2016/958); EU Market Abuse Regulation
  • Any tax obligations on your earnings (see §6)
  • Disclosing material conflicts of interest (e.g. that you hold a position you're discussing)

You confirmed at signup that you accept these obligations. Restating it here: Crumpert is a platform, not a regulated firm. We do not approve your financial promotions, and you cannot rely on Crumpert's tools as a substitute for your own compliance.

3. Disclaimers; tools we provide

Every post you publish on Crumpert automatically displays:

  • "Opinion. The author may or may not hold this position. Not advice. Not a financial promotion approved under FSMA s.21." under each post
  • A jurisdiction-aware risk warning in the subscribe panel

You agree not to remove or contradict these disclaimers, and not to make statements (in posts or elsewhere) that imply Crumpert has reviewed or approved your content.

4. Subscriber relationship

When a reader subscribes, the subscription is a contract between you (the creator) and the subscriber, processed through Stripe. Crumpert facilitates the technology but is not party to that contract.

  • Pricing. You set your monthly plan price (min $5, max $200). You may optionally offer an annual plan (one payment, max $2,000) — it must cost less than 12× your monthly price. Price changes apply to new subscribers only; existing subscribers keep the price they signed up at.
  • Free trials. You may offer a free trial of 24, 48, or 72 hours on your paid plan. The reader's card is collected up front and charged automatically when the trial ends unless they cancel first. One trial per reader per publication, ever.
  • Free tier. Readers may subscribe to your publication for free: your free posts reach their feed and notifications. Free subscribers get no premium access, and you earn nothing from them — they're your audience-building funnel.
  • You agree to provide subscribers with the publication you describe at signup, in good faith.
  • You may not promise or imply a financial return on any subscription.
  • Refunds. Consumers can obtain a full refund of their first charge within 14 days of starting a paid subscription (the cooling-off policy in Terms §4.5) — we issue these and they are deducted from your balance. Renewal charges are refundable at your discretion; we may also issue refunds on your behalf in cases of fraud, billing error, or AUP breach. Annual plans are not refunded pro-rata outside the cooling-off period.

5. Platform fee and Stripe fees

  • Crumpert platform fee: 10% of each subscription charge.
  • Stripe processing fees: charged by Stripe, currently around 2.9% + 30¢ per standard card charge, plus 0.25% Connect routing fee. These are passed through to you, not absorbed by Crumpert.
  • Minimum payout balance: $25 (Stripe consolidates payouts below this).
  • Payout hold: 7 days rolling window per payout cycle to buffer chargebacks.

We may change the platform fee with 60 days' notice. Stripe fees may change per Stripe's own terms.

5A. Verified track record

If you use Crumpert's verified track-record tools:

  • Entry and exit prices are captured from live market data when you open and close calls — you cannot edit them, and you agree not to present the record as anything other than what the Terms (§5.1) describe: delayed-data captures with modelled options figures over a rolling 30-day window.
  • Gaming the record is prohibited (see the Acceptable Use Policy) — including opening offsetting or hedged calls to farm win rate, churning trivial calls to pad the window, or coordinating records across accounts.
  • We may set eligibility thresholds for opening calls (for example, a minimum number of paid subscribers) and may change them with notice.
  • You choose the record's visibility (private / subscribers / public). Live calls are always subscriber-and-you only.

6. Tax

You're responsible for declaring and paying tax on your earnings in your country of residence. Crumpert does not withhold income tax for you.

  • US: Stripe collects your W-9 (or W-8BEN for non-US persons) and issues Form 1099-K if you meet IRS thresholds.
  • UK: You will need to declare self-employment income via Self Assessment unless you're operating as a company.
  • EU: Per-country VAT may apply on consumer subscriptions; Stripe Tax can be enabled to calculate and collect — see §7.

We pass through tax forms Stripe issues via your Stripe Connect dashboard.

7. VAT / sales tax (phase 2 once we cross thresholds)

We may enable Stripe Tax (currently +0.5% per charge) once volume requires it. When enabled, VAT / sales tax is collected on top of your plan price and remitted to the relevant authority. Until then, your plan price is treated as inclusive of any applicable consumer tax in your jurisdiction.

8. Indemnity

You will indemnify Crumpert against third-party claims arising from your content or conduct as a creator, including (without limitation):

  • Regulatory enforcement action by the FCA, SEC, FINRA, ESMA, or equivalent
  • Investor suits alleging that your published content was advice
  • Trademark, copyright, or right-of-publicity claims about your content
  • Tax claims arising from your earnings

This is a key part of why we can run a Substack-style platform at all; please take it seriously.

9. Suspension and termination

We may suspend or terminate your creator status (and freeze pending payouts subject to law) for:

  • Breach of this Agreement, the ToS, or the AUP
  • Receipt of credible regulatory or law-enforcement requests
  • Risk of harm to subscribers or to the platform
  • Stripe Connect account closure

If your account is terminated for cause, we may withhold pending payouts to the extent legally permissible and require refunds to subscribers for any unfulfilled period.

You can close your publication at any time via settings. Active subscriptions stop renewing; any prepaid period continues until expiry.

10. Survival; governing law

Sections 2 (responsibility), 8 (indemnity), 9 (termination consequences), and any payout-related obligations survive termination. This Agreement is governed by the laws of England and Wales, with disputes heard in the courts of England and Wales (subject to consumer-jurisdiction rights).

11. Contact

Creator support: creators@crumpert.com Compliance questions: legal@crumpert.com