Terms of Service

These Terms form a contract between you and AGGREGATE+. By creating an account or using the service, you agree to them. If you don't agree, don't use the service — that's always a fair option.

We've written these so they can actually be read. The formal clauses are there for when something goes sideways and a lawyer has to pick up the document. But the meaning should be clear from the text — not hidden in footnotes.

• Service / AGGREGATE+ — the product available at aggregate.plus and its subdomains / custom domains.
• Creator — a user with an account who publishes content, runs subscriptions, or accepts payment through the service.
• Fan / Customer — a visitor or paying supporter of a Creator's page.
• Content — anything a Creator publishes: posts, notes, media, tiers, product listings, newsletter issues.
• Tier — a paid subscription level a Creator offers at their chosen price.
• Subscription — a recurring payment by a Fan to a Creator.
• Tip — a one-time payment (fiat or USDC) from a Fan to a Creator.
• Product — a one-time digital sale a Creator lists on their page.
• Booking — a scheduled 1:1 session a Creator offers.
• Payout — the transfer of processed creator revenue from Stripe to the Creator's connected bank or wallet.

To use the service, you need an account. You must be at least 18 (or the age of majority where you live, whichever is higher) and legally able to enter a contract. You're responsible for the accuracy of the information you provide, for everything that happens under your account, and for keeping your credentials private. Tell us fast if you think your account was accessed without your authorisation.

You can't use the service if we've previously terminated your account for cause, if you're on a US sanctions list, or if your use of it is prohibited by applicable law in your country.

AGGREGATE+ is a creator income operating system. What you get, by product area:

• Public profile at aggregate.plus/@<handle> — or on your own custom domain (Phase 7+).
• Studio — an editorial composer with revision history, drafts, and AI assist.
• Subscriptions (Phase 4+) — recurring tiers with paywalled content.
• Tips (Phase 4+) — one-time support in fiat or USDC.
• Products (Phase 5+) — digital one-time sales.
• Bookings (Phase 6+) — paid 1:1 sessions.
• Email (Phase 6+) — newsletter delivery to your subscribers.

We iterate on the product. New features ship, rough edges get smoothed, and sometimes a feature changes shape. If we materially reduce a feature you've paid for, we will provide reasonable advance notice and a credit or refund where fairness requires it. Cosmetic or performance changes don't count.

The service is provided on a continuous-delivery basis; brief maintenance windows, degraded dependencies (Stripe, Vercel, database), or force-majeure events may cause short periods of unavailability. We don't guarantee a specific uptime SLA today; if we ever do, it'll be written into an addendum to these Terms.

You own your content. Every post, note, cover image, product description, newsletter issue, tier copy — yours. Creating an account doesn't give us a proprietary interest in any of it.

To actually run the service for you, we need a narrow licence. So: you grant AGGREGATE+ a non-exclusive, worldwide, royalty-free licence to host, store, cache, reproduce, transmit, and display your content solely for the purpose of operating the service. The licence terminates when you delete the content, except for the limited-purpose copies that need to persist in rotating backups (up to 90 days) and audit logs.

You can delete your content any time from Studio. You can export everything at any time in a machine-readable format. That's not a premium feature — it's the baseline.

You are responsible for your content. You warrant that you have the rights to publish what you post, that it doesn't infringe anyone's intellectual property or privacy rights, and that it doesn't violate the acceptable-use section below.

You will not use AGGREGATE+ to do, publish, or distribute:

• Illegal content. Anything illegal in the jurisdictions where the service is provided.
• Child sexual abuse material (CSAM). Zero tolerance. Reported to NCMEC and to law enforcement, and the account terminated immediately.
• Targeted harassment. Stalking, doxxing, threats of violence, or coordinated attacks on an individual.
• IP infringement. Content that infringes copyright, trademark, right of publicity, or other intellectual-property rights you don't own or licence.
• Spam. The newsletter is for what your subscribers signed up for. Affiliate-link firehoses and mass unsolicited marketing are not that.
• Financial fraud. Pyramid schemes, pump-and-dumps, fake “get-rich” courses, or anything designed to deceive a paying subscriber.
• Malware or security abuse. Attempts to compromise the service, inject malicious code, probe for vulnerabilities outside a responsible-disclosure channel, or circumvent authentication / rate-limiting.
• Industrial-scale scraping. Please respect robots.txt. Reasonable feed / RSS access is fine; hammering the API or profile pages is not.
• Circumvention. Attempts to bypass paywalls, tiers, rate limits, or auth controls.

We can suspend or terminate an account that violates this section without prior notice. We'll explain the reason afterwards, except where the law or an ongoing investigation prevents it. For disputed suspensions, you can appeal by email to legal@aggregate.plus.

Responsible security disclosure is encouraged and welcomed: email security@aggregate.plus with findings, and we won't treat good-faith research as a violation of these Terms.

This section describes the commercial terms that take effect when Stripe Connect and payments infrastructure are wired (Phase 4+). Until then, these Terms already bind the relationship; the payments-specific clauses activate when the rails do.

Pricing

• AGGREGATE+ charges an application fee of 5% on processed Creator revenue (subscriptions, products, sponsor bookings, and fiat tips), plus Stripe's standard payment processing fees, which Stripe charges directly. The application fee is calculated on the gross amount the payer authorizes for the charge; Stripe's processing fees are separate.
• USDC tips: 0% application fee. Stripe is not in the path for USDC tips settled through the Privy wallet / on-chain rails, so we don't layer an application fee on top. Network gas is covered by the sender or the Creator depending on the flow in use at the time of payment.
• Free until you earn. AGGREGATE+ waives the application fee until a Creator's monthly processed revenue first crosses US$500. Stripe's fees are always charged by Stripe.

Fee changes

We may change fees for future transactions with at least 60 days' notice via email and the dashboard. For Creators with existing paying subscribers on the day of the change, those subscribers' renewals remain on the prior pricing for at least 90 days after the change takes effect.

Refunds

• Creators control refund policy for their tips, products, and subscriptions. Creators can issue refunds from their dashboard within the window Stripe allows.
• When a Creator refunds a transaction, AGGREGATE+ does not re-collect its application fee from the refund, and we don't pocket the fee on refunded revenue — the ledger records it as returned. Stripe's own processing fees on the underlying transaction behave according to Stripe's refund policy (typically non-refundable; refer to Stripe).
• If the service itself caused an improper charge, email legal@aggregate.plus and we will make it right.

Chargebacks

Chargebacks are handled per Stripe's dispute process. Creators are responsible for providing evidence and for the chargeback fee and the reversal of the underlying transaction. AGGREGATE+ doesn't charge a separate fee on chargebacks beyond the Stripe-imposed one.

Taxes

Creators are responsible for their own tax obligations, including income, self-employment, VAT/GST, and sales tax where applicable. AGGREGATE+ provides reporting and, where Stripe supplies them, 1099-equivalent exports for US Creators. We do not provide tax advice. Consult your accountant.

• Auto-renewal. Subscriptions renew automatically at the cadence and price shown at checkout until cancelled by the Fan.
• Cancellation. Fans can cancel any time from their subscriber dashboard or from the Creator's tier page. Cancellation stops the next renewal; access continues through the end of the already-paid period.
• Tier changes. Upgrades between tiers are prorated and take effect immediately. Downgrades take effect at the next renewal.
• Creator price changes. Existing subscribers keep their current price for at least 90 days after a tier price change; new subscribers pay the new price from day one.

• Fan cancellations. Free cancellation up to 24 hours before the booking. Cancellations inside 24 hours are at the Creator's discretion unless the Creator's own policy (shown at checkout) is more generous.
• Creator cancellations. If a Creator cancels, the Fan is refunded in full.
• Reschedules. Either party can request a reschedule; the other party isn't obligated to accept, and in that case a full refund applies.
• No-shows. Fan no-shows are non-refundable. Creator no-shows are refunded in full.

You can leave any time. Delete your account from settings. Your public profile will return a 404 immediately. You can export your data for 30 days after deletion before the final purge. Pending payouts Stripe is already processing for you will complete on Stripe's schedule.

We can terminate if you materially breach these Terms, if required by law, or if your account has posed a sustained security or platform risk we can't mitigate otherwise. For clear violations (illegal content, CSAM, fraud), termination is immediate; for most other issues, we'll give you a reasonable chance to cure.

On termination, the licence you granted us to your content ends (subject to the backup and audit-log retention described in the Privacy Policy). Sections of these Terms that by their nature should survive — payments reconciliation, disclaimers, liability, dispute resolution, indemnification — do.

The service is provided “as is” and “as available” to the maximum extent permitted by applicable law. We make no warranty of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted availability beyond what cannot be disclaimed by law.

We don't guarantee a specific revenue outcome, subscriber count, conversion rate, audience growth, or business result for any Creator. AGGREGATE+ is a tool. What you do with it is up to you.

Nothing in this section limits any rights you have under consumer-protection laws in your jurisdiction that cannot be waived by contract.

To the fullest extent permitted by law, AGGREGATE+ is not liable for indirect, incidental, special, consequential, or punitive damages — including lost profits, lost revenue, or lost data — arising from your use of the service.

Our total aggregate liability for any claim arising out of or relating to these Terms or the service is limited to the greater of:

1. the application fees you paid to AGGREGATE+ in the twelve (12) months immediately before the event giving rise to the claim; or
2. US$100.

Nothing in this section limits liability for gross negligence, willful misconduct, fraud, or any other liability that can't be limited under applicable law.

You agree to defend, indemnify, and hold harmless AGGREGATE+ and its officers, employees, and affiliates from any claim, damage, or cost (including reasonable legal fees) arising from: (a) your content; (b) your breach of these Terms; or (c) your violation of any law or the rights of a third party in connection with your use of the service. We'll give you prompt notice of the claim, let you control the defence with counsel of your choosing, and cooperate reasonably.

Informal resolution first. Before filing anything formal, email legal@aggregate.plus with a description of the issue and what you're seeking. We'll engage in good faith to resolve it within 30 days. Most issues get resolved here.

Binding arbitration. If informal resolution doesn't work within 30 days, any dispute will be resolved by binding arbitration under the American Arbitration Association's Commercial Arbitration Rules, administered by a single arbitrator. Arbitration will take place in the state of the operating company's formation (to be updated upon incorporation; see Governing law below), or remotely by agreement. The arbitrator's decision is final and enforceable in any court of competent jurisdiction.

Class-action waiver. To the extent permitted by law, disputes will be brought individually, not as a class, consolidated, or representative action.

EU, UK, and other exceptions. If you live in a jurisdiction where mandatory consumer law grants you access to local courts or prohibits class-action waivers, those rights apply notwithstanding this section. Small claims court remains available to either of us.

You may opt out of arbitration within 30 days of first accepting these Terms by emailing legal@aggregate.plus with the subject line “Arbitration opt-out” and your account email. An opt-out doesn't affect the rest of these Terms.

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws rules. Delaware is used as a sensible US default pending incorporation of the operating entity; this section will be updated when the operating company is formed, and the updated jurisdiction will replace this one with 30 days' prior notice before it takes effect.

Nothing here strips you of consumer-protection rights under the mandatory law of your jurisdiction.

We may update these Terms as the product evolves. When we do, we update the “Last updated” date at the top. For material changes — anything that affects your rights, fees, or the core commercial relationship — we'll notify you by email and via a dashboard banner at least 30 days before the change takes effect. If you don't agree with a change, your remedy is to stop using the service and close your account within the notice window.

Legal notices and any matter arising under these Terms: legal@aggregate.plus.

These Terms are written for AGGREGATE+ in its current founder-operated form. They are not legal advice. Brian Nuesi and any future operating entity recommend reviewing the document with qualified counsel before relying on it for an incorporated commercial launch — in particular the dispute-resolution and governing-law sections.