1. Acceptance of Terms
By creating an account or using PegPay, you agree to these Terms and Conditions in full. If you do not agree, do not use the platform. You must be at least 18 years old to use PegPay.
2. What PegPay Is
PegPay is a technology platform that automates file delivery upon payment confirmation. PegPay is not a payment processor, marketplace, or seller of record. We connect creators with their clients and facilitate automated delivery. All transactions occur directly between creators and their clients via Stripe.
3. Creator Responsibilities
As a creator using PegPay, you agree to:
- Only sell digital files you own or have the legal right to distribute
- Not use PegPay to distribute illegal, harmful, or infringing content
- Ensure your file links remain active and accessible after payment
- Accurately represent the content of your files to buyers
- Comply with all applicable laws in your jurisdiction
- Connect a valid Stripe account to receive payouts
4. Payments and Fees
Payments are processed by Stripe. PegPay charges a monthly subscription fee based on your selected plan. PegPay does not take a percentage cut of your sales — you keep 100% of what your clients pay, minus Stripe's standard processing fees. Subscription fees are non-refundable except where required by law.
5. No Refund Policy
Because PegPay delivers digital files automatically upon payment, all sales made through the platform are final. PegPay does not mediate refund disputes between creators and their clients. Creators are responsible for their own refund policies with their clients. PegPay subscription fees are non-refundable.
6. Prohibited Content
You may not use PegPay to distribute:
- Content that infringes on third-party intellectual property or copyrights
- Malware, viruses, or any malicious software
- Adult or explicit content without proper age verification
- Illegal content of any kind
- Content that violates Stripe's terms of service
Violation of this section may result in immediate account termination without refund.
7. DMCA and Copyright
PegPay respects intellectual property rights. If you believe content distributed through our platform infringes your copyright, contact us at support@pegpay.co with a detailed DMCA notice. We will respond promptly and remove infringing content where verified.
8. Limitation of Liability
PegPay is provided "as is" without warranty of any kind. To the fullest extent permitted by law, PegPay shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the platform, including but not limited to loss of revenue, data loss, or failed file deliveries. Our total liability to you shall not exceed the amount you paid us in the 3 months preceding the claim.
9. Account Termination
We reserve the right to suspend or terminate your account at any time for violation of these Terms. You may cancel your account at any time by contacting support@pegpay.co. Cancellation stops future billing but does not entitle you to a refund of fees already paid.
10. Changes to Terms
We may update these Terms at any time. We will notify you of material changes via email. Continued use of PegPay after notification constitutes acceptance of the revised Terms.
11. Governing Law
These Terms are governed by the laws of the United States. Any disputes shall be resolved through binding arbitration or in the courts of competent jurisdiction.