Terms of Service

Creo is a platform where creators run paid communities and share content with the people who subscribe to them. By creating an account, subscribing to a community or selling on Creo, you agree to these Terms, our Privacy Policy, our Cookie Policy, our Content Guidelines and our Refunds & Cancellations policy.

If you don’t agree, please don’t use Creo.

You must be at least 18 years old to create an account, subscribe to a community or sell on Creo. By using Creo you confirm that you are 18 or older and allowed to enter into a binding agreement where you live.

We may ask for proof of age at any time and close accounts we believe belong to someone under 18.

Creo has no passwords. You sign in with a 6-digit code or a link we email you, which expires after 10 minutes and works once, or with your Google account. Anyone who can read your email can sign in as you, so keep your email account secure and never share a sign-in email or code. Tell us straight away if you think someone else has used your account.

Keep your details accurate. You’re responsible for everything done through your account. Creators can review and sign out their active sessions in Security settings. You can delete your account from Account settings in Studio, or by emailing support@creobase.app. We confirm with an emailed code before deleting, and deleting is permanent.

• Each community is run by a creator, who sets its price. Prices are shown on the community page. Today, payments are taken in Nigerian naira (₦).
• A payment gives you 30 days of access to that community’s subscriber-only content. That is 30 days, not a calendar month.
• Subscriptions do not renew automatically. Nothing is charged again unless you choose to pay. If you renew before your period ends, the new 30 days start when the current period ends.
• If a creator changes the price, the new price applies to your next payment. The period you’ve already paid for isn’t affected.
• Creators can mark some posts as free to view. Anyone can see those without subscribing.

Payments are processed by third-party payment partners (such as Bachs, Paystack and Bani). You enter your card or bank details on the partner’s own page. Creo never sees or stores your full card details.

We confirm every payment directly with the payment partner before we turn on access, so access can take a few minutes to appear, and bank transfers can take longer. If you were charged but your access isn’t active, email support@creobase.app with your payment reference and we’ll sort it out.

Payment partners may decline or hold a payment as part of their own fraud checks. Your bank may also charge you fees; those are between you and your bank.

You can cancel any time and keep access until the end of the period you’ve paid for. Our Refunds & Cancellations policy explains when we refund a payment.

• Creo keeps a platform fee from each successful subscription payment. The payment partner’s processing cost is also deducted, and a transfer fee may apply when you withdraw. The current fee and your exact earnings are shown in Studio before you set a price or request a payout. A change to the fee applies to payments made after the change.
• Earnings become available to withdraw after the payment has been confirmed and settled. You request a payout from your available balance.
• Payouts go to a bank account in your own name, which we verify with our payment partner. We store your bank details encrypted.
• We may delay, hold or refuse a payout we reasonably suspect is fraudulent, that relates to a dispute, chargeback or refund, or that the law requires us to hold.
• If we refund a subscriber, the matching earnings are taken back from your balance. If you’ve already withdrawn them, we may deduct the amount from your future earnings.
• You’re responsible for your own taxes on what you earn, and for delivering what you promise your subscribers. Creo provides the platform and payments; we don’t guarantee any creator or community.

A creator can connect a Telegram or WhatsApp group to a community. When they do, members can link their Telegram account or WhatsApp number to their Creo account. Creo’s automated account (a Telegram bot, or a WhatsApp number Creo operates) lets paying members into the group and removes members whose paid period has ended.

• Members: by linking, you let us use your Telegram ID or phone number to give you access and to remove you when your subscription ends. On WhatsApp, other group members can see your phone number. That’s how WhatsApp works.
• Creators: you confirm that you’re an admin of the group, that you’re responsible for the group and what happens in it, and that Creo’s account may act as an admin with the rights it needs. If you choose to remove people who haven’t subscribed, that includes people who were already in the group.
• Telegram and WhatsApp are run by other companies. Creo isn’t affiliated with, endorsed by or sponsored by either. Their rules, outages or changes can stop group access from working, and we don’t guarantee it. If it fails, your Creo subscription is still valid and you can contact us.

Everything you post, sell or send must follow our Content Guidelines and the law. You also agree not to:

• share, resell or republish subscriber-only content outside Creo without the creator’s permission
• share your account or your access with other people
• harass, deceive or harm anyone, or use Creo for fraud
• attack, overload, scrape or bypass the limits and security of Creo, or try to get access you haven’t paid for

We may remove content that breaks these rules, without notice.

You keep ownership of what you post. You give Creo a non-exclusive, worldwide, royalty-free licence to host, display, adapt for display (for example resizing images) and share it, so we can run the platform and show your content to the people allowed to see it. You confirm you have the rights to everything you post. You can delete your content at any time; copies may remain briefly in backups.

We send emails and in-app notifications about your account, sign-in codes, payments and activity on your communities. Browser push notifications are sent only if you turn them on. You can choose which alerts you get in Notification settings. Some messages, such as sign-in codes and payment confirmations, are part of the service and can’t be turned off.

We may suspend or close an account that breaks these Terms, puts other people at risk, or that the law requires us to close. If you’re a creator, withdraw your available earnings before you delete your account. You can stop using Creo at any time.

Creators are responsible for what they publish and promise. Creo provides the platform, payments and access tools described here, but we don’t guarantee any creator, community or content.

Creo is provided “as is”. To the extent the law allows, we aren’t liable for indirect or consequential losses, and our total liability to you is limited to the fees Creo earned from your transactions in the 12 months before the claim. Nothing in these Terms limits rights you have that the law doesn’t allow to be limited.

We may update these Terms. The date at the top shows when they last changed, and we’ll tell you about important changes by email or in the app before they apply. If you keep using Creo after that, the new Terms apply.

These Terms are governed by the laws of the Federal Republic of Nigeria, and the courts of Nigeria can hear any dispute about them, unless the law of the country where you live gives you the right to bring a claim elsewhere.

Questions about these Terms? Email support@creobase.app.