Terms of Service

These Terms of Service (the “Terms”) govern your access to and use of the FansXO website, applications, and services (collectively, the “Service”). The Service is operated by Walker Capital Management LLC, a Mississippi limited liability company (“FansXO,” “we,” “us,” or “our”).

By creating an account, accessing, or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.

1. Adult Content & Age Eligibility

FansXO is an adult-only platform that permits sexually explicit content between consenting adults. By accessing the Service, you represent and warrant that:

• You are at least 18 years of age, or the age of majority in your jurisdiction, whichever is greater;
• Viewing sexually explicit material is legal in the jurisdiction in which you reside and from which you access the Service;
• You are not located in a jurisdiction where access to such material is prohibited; and
• You voluntarily accept responsibility for any access by minors in your home or on devices under your control.

Falsifying your age is a material breach of these Terms and may constitute a criminal offense.

2. Accounts

You must register an account to use most features of the Service. You agree to provide accurate, current, and complete information and to keep it updated. You are solely responsible for safeguarding your password and for all activity under your account. Notify us immediately at support@fansxo.app if you suspect unauthorized use.

Each individual may maintain only one fan account and one creator account. We may refuse, suspend, or terminate any account in our sole discretion.

3. Verification

FansXO uses Yoti Limited as its third-party verification provider. Fans complete a brief facial age estimation; if the result is inconclusive, fans may be asked to complete a government-ID step. Creators must complete full identity and age verification before posting content or receiving payouts and will be required to submit:

• A valid government-issued photo ID;
• A live selfie matched to that ID; and
• A signed model release and 2257 record-keeping documentation for each performer appearing in any content you upload.

We retain verification records as required by 18 U.S.C. § 2257. See our 2257 Compliance Statement for details.

4. Acceptable Use

You agree not to use the Service to create, upload, transmit, or request any of the following, without limitation:

• Content depicting or sexualizing any person under the age of 18, including animated, drawn, or AI-generated material that depicts a minor;
• Content depicting non-consent, sexual violence, incest, bestiality, necrophilia, or scat;
• Content depicting actual or threatened physical harm or violence against any person;
• Content of any person who has not consented in writing to the recording, distribution, or sale of such content;
• Content used or intended to be used for trafficking, prostitution, escort solicitation, or any in-person sexual services;
• Impersonation of another person, including any creator on this or any other platform;
• Content that infringes the intellectual property, privacy, or publicity rights of another person;
• Spam, scams, off-platform payment solicitations, doxxing, harassment, discriminatory speech, or threats;
• Malware, exploits, or attempts to disrupt, scrape, or reverse engineer the Service.

Violations may result in immediate termination, forfeiture of pending earnings, and reporting to the National Center for Missing & Exploited Children (NCMEC) or other authorities where required.

5. User Content & License

You retain ownership of the messages, photos, videos, and other content you submit (“User Content”). By submitting User Content, you grant FansXO a worldwide, non-exclusive, royalty-free license to host, store, transmit, display, and process that content solely for the purpose of operating, improving, and securing the Service, and for legal compliance and abuse prevention. This license terminates when you remove your User Content, except for backup copies we are required to retain by law or for legitimate operational purposes.

You represent and warrant that you own or have the necessary rights to all User Content you submit, and that its use on the Service does not violate these Terms or any law.

6. DMCA & Copyright

We respect the intellectual property of others. To submit a notice of alleged infringement under the Digital Millennium Copyright Act, please email dmca@fansxo.app with all the information required by 17 U.S.C. § 512(c)(3), including identification of the copyrighted work, the URL of the allegedly infringing material, your contact information, a good-faith statement, and your physical or electronic signature. We may terminate the accounts of repeat infringers.

7. Tokens, Payments & Refunds

FansXO uses an internal credit (“Tokens”) which fans purchase to send paid messages and tips to creators. Tokens have no cash value, are not redeemable for currency, and are non-refundable except where required by applicable law or in our sole discretion in cases of platform error or fraud.

Token purchases are processed by Ramp Network, a third-party cryptocurrency on-ramp provider, which converts your payment into USDC and credits the corresponding tokens to your account once the transaction confirms on-chain. Chargeback or claim disputes filed in bad faith may result in account termination and forfeiture of remaining Tokens. Pricing and Token package values may change at any time; previously purchased Tokens are not affected.

8. Creator Earnings & Payouts

Creators earn a share of net Tokens spent on their content, as disclosed on their dashboard at the time of the transaction (currently 80% of the gross fan-paid amount). Earnings vest after a hold period sufficient to cover claim and refund windows. Payouts are made in USDC via Ramp Network's Send API to the creator's designated wallet.

Creators are independent contractors, not employees. Creators are solely responsible for reporting income and paying any applicable taxes. We may issue tax forms (including IRS Form 1099-NEC) where required.

9. Suspension & Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for conduct we believe violates these Terms, harms another user, harms the Service, or exposes us or our partners to liability. Upon termination for cause, all unvested earnings may be forfeited.

You may terminate your account at any time by emailing support@fansxo.app.

10. Disclaimer of Warranties

The Service is provided “AS IS” and “AS AVAILABLE” without warranty of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy. We do not warrant that the Service will be uninterrupted, secure, or error-free.

11. Limitation of Liability

To the maximum extent permitted by law, FansXO and its officers, directors, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising from or related to your use of the Service. Our total cumulative liability for all claims will not exceed the greater of (a) the amount you paid us in the twelve months preceding the claim or (b) US$100.

12. Indemnification

You agree to indemnify, defend, and hold harmless FansXO and its affiliates from and against any claim, demand, loss, liability, or expense (including reasonable attorneys’ fees) arising from (a) your User Content, (b) your use of the Service, or (c) your breach of these Terms or any law.

13. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Mississippi, without regard to conflict-of-laws principles. Any dispute arising from these Terms or the Service will be resolved exclusively by binding arbitration administered by JAMS under its Streamlined Arbitration Rules, in Hinds County, Mississippi, except that either party may bring an individual action in small-claims court. You and FansXO agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.

14. Changes to These Terms

We may modify these Terms at any time. Material changes will be announced on the Service or by email at least seven (7) days before they take effect. Continued use of the Service after the effective date constitutes acceptance of the modified Terms.

15. Contact

For questions about these Terms, contact: