Terms of Service

Content Pays ("Content Pays", "we", "us") is a content-distribution marketplace that connects brands and creators. It is operated by Contentlayer Technologies Ltd (RC 9995447), a company registered in Nigeria, trading as Content Pays. When you accept these Terms, your agreement is with Contentlayer Technologies Ltd. These Terms apply when you create an account, join a campaign, or otherwise use the platform. If you use Content Pays for a business, you confirm that you are authorized to accept these Terms for that business.

You may use Content Pays as a Brand, a Creator, or both. You must be at least 18 years old, provide accurate account information, and keep your sign-in details secure. You are responsible for activity carried out using your account.

Each campaign may specify a brief, eligible platforms, creative requirements, deadlines, budget, and rate per 1,000 eligible views. Review the campaign terms before participating. You are responsible for having the rights to the content you submit and for following campaign rules and the relevant social platform's terms.

Content Pays may review submissions and compare platform-reported metrics with campaign requirements and fraud checks. Raw platform view counts may differ from eligible views. Only views that meet the campaign's rules and are verified count toward campaign results or any future earnings. We do not guarantee reach, views, or campaign performance.

Brands retain ownership of the source assets they upload. By joining a campaign, creators receive a limited licence to remix, cut, and post those assets solely for the campaign. Creators grant Content Pays and the funding brand a licence to display, analyze, and repost their submissions across Content Pays surfaces and social channels, as described by the campaign.

No fake engagement, purchased views, hate speech, harassment, scams, illegal content, or content that violates a campaign's or target platform's rules.

Keeping deals on Content Pays. Brands and creators who meet through Content Pays must not arrange, pay for, or accept work for a Content Pays campaign outside the platform, or ask for or share contact details to do so.

We may remove submissions or messages, disqualify views, or restrict or suspend accounts for violations. Any financial consequence will be described in the applicable terms and handled in accordance with law.

Content Pays includes a creator community, chats for each campaign, direct and group messages, and support conversations with our team. When you use them:

• Be respectful and stay on topic. Don't spam, impersonate others, or share other people's personal information.
• Messages and the text of shared PDFs are checked automatically. Messages with contact details (such as email addresses or phone numbers), links to sites other than Content Pays and supported social platforms, invitations to move to other apps, or blocked words are not sent.
• To prevent spam, sending is limited to a few messages at a time, and channels may use slow mode. You can edit or delete your own messages for 2 minutes after sending. Files can be shared only in support conversations.
• The Content Pays team can remove any message and mute or remove members, and a campaign's brand can remove messages in its own campaign chat. You can report messages for our team to review.
• Messages are not private from the people in the conversation. See who can see your information in our Privacy Policy.

Payment features are being enabled in stages. Where a feature described here is not yet available in your account, this section applies to it from the time it is made available. All amounts are in Nigerian Naira. Payments and bank transfers are processed by our payment provider, Flutterwave.

Wallets. Your Content Pays wallet is an internal record of funds and earnings that we track for you. It is not a bank account, and a campaign reserve is not an escrow account. Wallet balances do not earn interest.

Funding a brand wallet. Brands can add between ₦5,000 and ₦3,000,000 per top-up, in whole Naira, by card or bank transfer. The payment provider's processing fee is shown before checkout and paid by the brand in addition to the amount credited. Your wallet is credited only after we have verified the payment with the provider; a redirect or confirmation screen alone is not proof of payment.

Campaign budgets and fees. When we approve a campaign, its full creator budget is reserved from the brand's available wallet balance, and a 10% campaign service fee is charged on top of that budget. A top-up to a live campaign is charged from the wallet with a 5% service fee on the increase, and renewing an ended campaign is charged the same 10% as a new one. Service fees are non-refundable once a campaign is approved. Pending and rejected campaigns are not charged. Reserved funds can only pay creators for that campaign while it runs.

How creators earn. A creator earns at the campaign's rate per 1,000 eligible views, up to any per-clip maximum, using the payout terms that applied when the clip was submitted. A clip must reach the campaign's minimum view threshold and pass review before it earns. Only views counted from the social platform's own reporting and that meet the campaign rules are eligible; self-reported counts and screenshots are not. Earnings are calculated on the total eligible views to date, and only the increase since the last count is added. If a campaign's remaining reserve cannot cover a creator's new earnings in full, the creator receives what remains and the campaign closes to further earnings.

Holds and corrections. Each amount a creator earns is held for seven days before it becomes available to withdraw. If a platform later lowers a view count while the related earnings are still held, the held amount is reduced. Ordinary corrections are not taken back from earnings that are already available or paid out. Earnings linked to fake engagement, fraud, or a breach of these Terms may be withheld or reversed under Section 5. While we review unusual view activity on a clip, such as views the platform takes back, very few likes for its views, or a sudden jump, its held earnings don't clear; if the review finds the views weren't genuine, the clip is removed and its held earnings are forfeited.

Keeping clips up. Creators are responsible for keeping an approved clip's post public and within the social platform's own rules. If the post is deleted, stops being public, or is taken down by the platform (for example for copyright or a guideline breach), the clip stops earning and its held earnings don't clear while it is paused. If the post isn't public again within 24 hours, or it has been unavailable for 48 hours in total within any 7 days, the clip is removed and its earnings that are still held are forfeited and returned to the campaign. The same applies if the social account linked to a clip is disconnected and isn't reconnected within 7 days. We may restore a removed clip after review; it then earns again from its next view count, but forfeited earnings are not returned. If you connect a YouTube channel, you agree to be bound by the YouTube Terms of Service.

Closing a campaign early. If a brand closes a campaign early for its own reasons after at least one creator has been approved, a 12.5% early-closure charge applies to the unused reserve after final creator earnings are settled. There is no charge if no creator has been approved, when a campaign ends normally, or when we close it. We may waive the charge where closure results from a failure on our part, a legal or safety requirement, or events outside the brand's reasonable control. The remaining reserve is returned to the brand's wallet; it is not automatically refunded to the original payment method.

Withdrawals. Creators can withdraw available earnings to a Nigerian bank account verified through our payment provider. To protect your earnings, changing your saved bank account pauses withdrawals for 48 hours and we notify you of the change. The minimum withdrawal is ₦5,000. A 10% platform fee and the payment provider's transfer fee are deducted from the amount you request, and both are shown before you confirm. Withdrawals may be reviewed before they are paid. Smaller withdrawals from creators with an established payout history may be paid automatically without manual review; we set and may change the limits for automatic payouts. If the outcome of a transfer is unclear, the amount stays reserved until we have confirmed it with the provider. A failed or rejected withdrawal is returned to your available balance.

Wallet refunds. A brand can get unspent money in its wallet back by bank transfer to a Nigerian bank account verified through our payment provider. Money from a top-up can be refunded 7 days after the latest top-up was added, so that payment disputes can surface first, and changing the refund bank account pauses refunds for 48 hours. A 2% refund fee and the payment provider's transfer fee are deducted from the amount refunded; both are shown before you confirm. Money reserved for running campaigns, campaign service fees, early-closure charges, and top-up processing fees are not refundable. Refunds may be reviewed before they are paid, and smaller refunds from brands with an established refund history may be paid automatically. A failed or rejected refund is returned to your wallet.

Taxes. Each party is responsible for the taxes that apply to it, including tax on creator earnings.

You can delete your creator or brand account from your profile. Deletion is available once nothing is still in progress: creators must first withdraw available earnings and wait for held earnings, pending withdrawals, clips awaiting review, and running campaigns to finish; brands must close their campaigns, remove team members, and refund any wallet balance. We may suspend or terminate accounts that breach these Terms.

We may retain limited records when needed to meet legal obligations, resolve disputes, protect the platform, or prevent fraud. Account closure does not remove obligations that arose before closure.

Content Pays is provided "as is". We do not guarantee any specific reach, revenue, or campaign performance. To the maximum extent permitted by law, we exclude liability for indirect or consequential loss.

These terms are governed by the laws of the Federal Republic of Nigeria. Disputes will be resolved in the courts of Lagos State unless a mandatory law requires otherwise.

We may update these Terms as the platform develops. We will publish the revised date and provide additional notice for material changes where appropriate. Questions? email support@contentpays.live.