Terms of Service

1. Your account

You must provide accurate information and are responsible for activity under your account and for keeping your credentials secure. You must be old enough to form a binding contract in your jurisdiction.

2. Plans & billing

Paid plans are billed in advance on a recurring basis through Stripe until cancelled. Fees are non-refundable except where required by law or expressly stated. We may change plan pricing with notice; changes apply to the next billing cycle.

3. The marketplace, payments & payouts

Octora lets creators sell products and run affiliate programs. To receive funds, creators and affiliates connect their own Stripe account. When a sale occurs, the buyer’s payment is received by Octora through Stripe; Octora retains its platform fee and any affiliate commission, and the remainder is transferred to the seller’s connected account. Affiliate commissions are paid to the affiliate’s connected account.

Taxes. You are solely responsible for determining, collecting, reporting, and remitting any taxes (including sales tax and VAT) applicable to your sales and any income taxes on amounts you receive. Octora does not provide tax or legal advice.

4. Refunds, chargebacks & disputes

You are responsible for what you sell. You are solely responsible for your products, for delivering them, for supporting your buyers, and for your own refund policy, which you must make available to buyers before purchase. Octora does not review or endorse the products sold through the Services.

Digital products and immediate access. Products delivered digitally are made available to the buyer immediately on payment. Except where your own policy provides otherwise or applicable law requires, such sales are final. Where a statutory right of withdrawal or cancellation would otherwise apply, the buyer requests immediate access and acknowledges that the right is lost once delivery begins.

Chargebacks are yours. If a buyer reverses a payment, files a chargeback, or a refund is required, you are liable for the full amount, for the corresponding platform fee and affiliate commission, and for any dispute or reversal fee charged by the payment network. Because payments for your sales are received by Octora before being transferred to you, these amounts are charged to Octora first — and you authorise Octora to recover them by reversing the related transfer, deducting from your current or future payouts, or invoicing you directly.

Cooperation and evidence. You agree to respond promptly to any dispute involving your sale and to provide the records needed to contest it. Octora will supply the transaction and delivery records it holds. Octora is not obliged to contest a dispute on your behalf and does not guarantee any outcome.

Holds and suspension. Where an account shows an unusual rate of disputes or refunds, or where we reasonably suspect fraud, we may delay or withhold payouts, hold a reserve, or suspend selling, for as long as reasonably necessary to cover the exposure.

5. Your content & conduct

You retain ownership of the content you create. You grant Octora a limited license to host, process, and display it solely to operate the Services. You agree not to use the Services for unlawful, infringing, deceptive, or abusive purposes, or in violation of any third-party platform’s policies (including Meta, payment networks, and email/anti-spam laws).

6. Third-party services

The Services integrate with third parties (e.g. Stripe, AI providers, email providers, Meta). Your use of those services is subject to their terms, and we are not responsible for their acts or omissions.

7. Acceptable messaging use

If you use email or automated messaging features, you represent that you have the necessary consent to contact recipients and will comply with applicable laws (such as CAN-SPAM and GDPR) and platform rules. Octora may suspend features used for spam or abuse.

8. Termination

You may cancel at any time. We may suspend or terminate access for violations of these Terms or to comply with law. Upon termination, your right to use the Services ends; certain provisions survive.

9. Disclaimers

The Services are provided “as is” without warranties of any kind, to the fullest extent permitted by law. We do not warrant that the Services will be uninterrupted or error-free.

10. Limitation of liability

To the maximum extent permitted by law, Octora will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or revenues. Our aggregate liability will not exceed the amounts you paid to Octora in the twelve months before the claim.

11. Changes to these Terms

We may update these Terms from time to time. Material changes will be posted here with an updated date; continued use constitutes acceptance.

12. Contact

Questions about these Terms? Contact us at legal@myoctora.com.