Terms of Service

Version 2026-09-16 — effective 16 September 2026

Acceptance of terms

By accessing or using Ripe Pulp, a platform operated by CoreExponent LLC (“Ripe Pulp”, “we”, “us”), you agree to be bound by these Terms of Service. If you do not agree, please do not use the platform.

Your account

You are responsible for maintaining the security of your account and for all activity that occurs under it. You must provide accurate information and keep it up to date.

Fees

Ripe Pulp charges a platform fee on each sale you make through the platform, which depends on your plan: Free 4.9%, Basic 3.5%, Pro 2.3%, Business 0.9%. Card processing is charged separately by the payment processor at its own published rate — currently 2.9% + 30¢ per transaction — and we do not mark it up. So a sale costs you our percentage plus the processor ’s: 7.8% + 30¢ on Free, 6.4% + 30¢ on Basic, 5.2% + 30¢ on Pro and 3.8% + 30¢ on Business. Paid plans are billed monthly in addition.

Your plan includes a number of team seats: 0 on Basic, 1 on Pro and 3 on Business. On every paid plan, each seat above the included number is billed monthly — $14 a seat on Basic, $14 a seat on Pro and $14 a seat on Business. The Free plan does not sell additional seats; there the included number is a limit rather than a price.

Taking payment for your sales

If you have not connected your own payout account, Ripe Pulp collects payment for your sales as your agent and holds the proceeds on your behalf until we can pay them to you. Once you connect a payout account, payments for your sales are processed directly to that account and Ripe Pulp does not hold them at any point.

In both cases you remain solely responsible for delivering the products and services you sell, for how they are described, and for your dealings with your customers.

Who does what

Ripe Pulp is a software platform. We provide the tools you sell with — the site, the checkout page, the booking calendar, the records of what was sold. We are not a bank, not a money transmitter, not an escrow agent and not a payment processor, and we do not provide financial, tax or legal advice.

Payments are taken and moved by Stripe (cards, wallets and bank payouts) and NowPayments (cryptocurrency). Those companies hold and move the money, decide whether they can serve you, and apply their own terms and their own identity checks. When one of them declines, delays or reverses something, that is their decision and not ours, and we cannot overturn it.

You are the seller. The contract for what is sold is between you and your customer. You are responsible for delivering it, for describing it accurately, for your own tax, and for any licence your work requires. We are not a party to that contract and do not guarantee that either side performs it.

Where the money sits. A card sale is charged directly into your own Stripe account, so those funds are yours from the moment they settle and never pass through ours — including an order held under escrow, where what we pause is Stripe’s payout to your bank, not the money itself. A marketplace sale paid in cryptocurrency is paid into your own NowPayments account. Two things are exceptions and we say so plainly: if you use a managed crypto account, your balance sits in a sub-account under our NowPayments account until it is credited to you; and a card sale taken before you have connected a payout account is held for you as your agent, as described below.

Money paid in for campaigns and brand deals is different. When a brand funds a reward pool, or pays into escrow for a brand deal, we collect that money ourselves rather than routing it to anyone’s own account, and it rests with us until creators earn it or it is returned. We hold it as agent — for the brand until it is earned, and for the creator once it is. As with any money we hold, it is not a deposit, it does not earn interest and it is not kept in a separate trust account. A brand can ask for any part of a reward pool that nobody has earned to be returned to the payment it came from; what has already been earned by views cannot be taken back.

Getting paid

Money we collect for you is held for a short period before it becomes available, so that a refund in that window is a simple reversal. It is then paid out once your balance passes a minimum amount, below which a transfer would cost more than it moves. We publish the current holding period and minimum in your Payouts screen and may change them.

Money held for you is held as your agent. It is not a deposit, it does not earn interest for you, and it is not held in a separate trust account.

There is a limit to how much we will hold for you before you have connected a payout account. If you reach it, we may decline further sales until you connect one. We will tell you before that happens.

Refunds, disputes and deductions

If a customer is refunded, or a payment is reversed or charged back, the amount is deducted from money we owe you. If we have already paid it to you, it becomes a negative balance which we recover from your future earnings. You authorise us to make those deductions.

While a payment is disputed we may withhold that payment until the dispute is resolved. We withhold only the disputed payment; your other earnings are not affected, and if the dispute is resolved in your favour the money is released.

You will reimburse Ripe Pulp for any chargeback, refund, fine, penalty or claim arising from a sale of your products, including amounts a card network or payment provider takes back from us.

We may suspend your ability to take payments where there is a pattern of unresolved disputes, where we suspect fraud, or where the law requires it.

Your Stripe account

To be paid through Ripe Pulp you connect a Stripe account. Stripe creates it as an Express connected account, and during onboarding you accept Stripe’s Connected Account Agreement directly with Stripe. Where your country supports receiving payouts but not taking card payments, the account is created under Stripe’s recipient service agreement instead. That agreement is between you and Stripe and applies in addition to these Terms.

Stripe decides whether it can open an account for you and what identity information it needs before it will pay you out. Until Stripe has what it asks for, we cannot pay you, and an order that depends on a connected account cannot be taken at all.

Orders we hold until they are approved

Some orders — services and sessions booked through the marketplace — are placed under escrow. Where an order is, we say so on the payment screen before the buyer pays. The buyer’s payment is taken at checkout into the creator’s own Stripe account, and that account’s payouts are held: Stripe pays nothing out to the creator’s bank until Ripe Pulp releases it.

The creator has 7 days to accept the order. If they do not, the order expires and the buyer is refunded. Once the creator marks the order delivered, the buyer has 7 days to approve it, ask for changes, or open a dispute. If the buyer does nothing in that time, the order is approved automatically and the money is released to the creator.

A dispute is decided by a Ripe Pulp administrator, who may refund the order, release it to the creator, or split it — refunding part and releasing the rest. Each decision is recorded with a written reason and is shown to both sides. Money that is in dispute stays held until the decision is made.

How a dispute is decided

A buyer may open a dispute once the creator has marked an order delivered and before the approval window closes. Opening one stops the clock: an order with a dispute open is not approved automatically.

We ask both sides for what they have, and we decide on what we are shown. What counts is the order itself — what was described at checkout, what was delivered, and when. Messages, files and call records kept inside Ripe Pulp are visible to us; anything agreed elsewhere is not, so a side relying on it should say so and send it.

The creator has 3 days to answer. If they do not, we decide on what the buyer has shown, which in practice means a refund. We aim to decide within 5 business days of the last thing either side sends us.

We decide in this order: whether what was delivered matches what was described at checkout; whether it arrived within the time the creator stated; and whether the buyer has had a fair chance to use it. We do not judge quality or taste and we do not decide whether a price was fair — a buyer who simply did not like the work has not shown non-delivery, and a creator who delivered something materially different from what was sold has not delivered.

Either side may ask us once, within 7 days, to look again if they have something we did not see. We will say what changed our mind, or that nothing did.

None of this replaces the buyer’s rights with their own bank. A card holder may raise a chargeback whatever we decide, and that decision belongs to the card network rather than to us.

Our platform fee on an escrowed order is taken at checkout and is refunded with the order: where an order is refunded in whole or in part, our fee is refunded in the same proportion. Refunds are issued immediately; when a refund appears on the buyer’s statement is their bank’s decision, and typically takes several business days.

Paying in cryptocurrency

Where a creator accepts cryptocurrency, the payment is handled by NowPayments and behaves differently from a card in ways that matter to both sides.

It cannot be charged back. A crypto payment is final once the network confirms it. There is no card network behind it, no dispute process, and no way for us or for NowPayments to pull the money back. A refund is a new payment that somebody has to send, and it is made at the creator’s discretion unless these Terms or the law require otherwise.

The amount can move. What is owed is set in the currency the price is quoted in; what arrives is a quantity of a coin valued at the moment it is paid, less the network’s own fee. A refund of the same nominal amount may therefore be a different quantity of coin than was sent, and neither side is entitled to the difference from us.

Paying out is separate from being paid in. Accepting cryptocurrency does not mean we can pay you in it. Payouts run through Stripe unless you are using your own NowPayments account, in which case the funds are already yours and we are not involved in moving them.

A sale paid in cryptocurrency cannot be placed under escrow. Escrow works by pausing a Stripe payout, and there is nothing equivalent to pause on a crypto payment; where escrow is offered, the payment screen says so before the buyer pays.

Money we cannot pay you

If we hold a balance for you and cannot pay it out — no connected account, an account Stripe has restricted, or payout details that keep failing — the money stays yours. We do not take it, we do not expire it, and we do not charge a fee for holding it.

We will try to reach you at the address on the account. If a balance goes a year without being claimed and we cannot reach you, we will keep it and keep trying, and where the law of your country or state requires unclaimed money to be handed to an authority, we will follow that law and tell you where it went.

Closing your account does not forfeit a balance. Ask us and we will pay out what we can, or tell you plainly what is stopping it.

Chargebacks

We do not indemnify you against a chargeback. A chargeback is made against the Stripe account that took the payment. Where a sale or an escrowed order was paid into your own connected account — including an order that has already been approved and released to you — that account is yours: Stripe takes the disputed amount and its own dispute fee from your Stripe balance, and the loss falls on you. Ripe Pulp does not decide those chargebacks and cannot reverse them; the card networks and Stripe do.

Where Ripe Pulp collected the payment as your agent, the amount is deducted from money we owe you, or becomes a negative balance recovered from your future earnings, as set out above.

Paying your own affiliates automatically

If you run an affiliate programme, you can switch on automatic affiliate payouts. A commission your affiliate earns is your debt, not ours: the sale was paid into your own account and never reached ours. While automatic payouts are on, we debit your Stripe balance for each commission once its hold period has passed and it meets your minimum payout, and send that amount to the affiliate’s payout account.

Stripe charges a fee to take money out of a connected Stripe balance — currently 1.5% of each debit — and you pay it: we debit the commission plus that fee, so your affiliate receives their commission in full.

Stripe requires your legally binding consent before your connected account may be debited. Switching automatic payouts on records that consent, together with the version of the wording you accepted, when you accepted it, and the address the request came from. You can switch automatic payouts off at any time; commissions already sent stay sent. If we change that wording we will ask you to read and accept it again before it continues.

Sponsorship deals we hold

Where a brand funds a sponsorship deal through Ripe Pulp, we hold the money until the deal is released. The brand pays a fee of 8.9% of the deal value, charged on top of the amount agreed — the creator is paid the amount they agreed, in full. The rate that applies to a deal is the one in force when the money is taken, so a later change to the rate does not move a deal already held. A deal you only track in your pipeline is not held by us and is charged nothing.

Selling through your Ripe Pulp site

Where you sell your own products through a site, funnel or page hosted by Ripe Pulp, you agree to take payment through Ripe Pulp rather than directing customers to an external checkout or payment link. This is how the platform is paid for, and it is what lets us handle refunds, disputes and your customers’ access to what they bought.

This does not restrict what you do elsewhere. You are free to sell anywhere else, on your own site or another platform, on whatever terms you like — the requirement applies only to the pages we host for you.

Where we cannot pay you

Paying you depends on our payment providers being able to reach your country and your bank. In some countries we cannot pay you by bank transfer and an alternative may be available; in others we are not permitted to do business with you at all. Where either applies we will tell you, and you should not sell through Ripe Pulp until there is a way for you to be paid.

If we hold money for you and cannot reach you to pay it, we will hold it and try to contact you. Unclaimed amounts are dealt with in accordance with applicable law.

YouTube API Services

Ripe Pulp uses YouTube API Services to provide its YouTube features, including channel analytics and reporting, content insights, importing your videos into courses and pages, and — where you opt in — showing your channel’s figures to brands in our partnership features.

By using those features you agree to be bound by the YouTube Terms of Service, which are incorporated into these Terms by reference. Google’s use of information it receives is governed by the Google Privacy Policy. What we collect from YouTube, how we use and share it, how long we keep it, and how to revoke our access are set out in our Privacy Policy.

You may disconnect your YouTube account at any time in Settings → Integrations, and you may revoke Ripe Pulp’s access directly at Google’s security settings page, https://myaccount.google.com/permissions.

You agree to use Ripe Pulp’s YouTube features only with channels and content you own or are authorised to manage, and not in a way that would breach the YouTube Terms of Service or the YouTube API Services Developer Policies.

Content

You retain ownership of the content you create. You are responsible for ensuring your content complies with applicable laws and does not infringe the rights of others.

You give Ripe Pulp a worldwide, non-exclusive, royalty-free licence to host, store, copy, display and distribute your content only as needed to operate, secure and improve the platform and to provide the features you use — for example, publishing the pages you build and showing your public profile to visitors. The licence ends when you delete the content or your account, except for copies we must keep to comply with the law or that others have already received through features you chose to use.

Public creator profiles and claiming

Ripe Pulp shows public profiles of creators, including creators who do not have a Ripe Pulp account. Those profiles are built from information the creator has made publicly available, such as their public YouTube channel, and are labelled as unclaimed. An unclaimed profile does not mean that the creator uses, endorses, is affiliated with or has agreed to work through Ripe Pulp, and figures shown on it may be out of date.

You may claim a profile only if it describes you, or an organisation or channel you are authorised to act for. When you claim a profile you confirm that this is true, and you agree that we may verify it — for example by asking you to place a code in the channel’s own description, or by confirming that you can sign in with the email address we invited. Claiming, or attempting to claim, a profile that is not yours is a breach of these Terms. We may reverse a claim, suspend the account that made it, and restore the profile to its rightful owner if we learn a claim was false or disputed.

How profiles are created, claimed, corrected and removed is described in our Creator Profiles Policy, which forms part of these Terms.

Acceptable use

You agree to follow our Acceptable Use Policy, which forms part of these Terms. In particular, you must not impersonate anyone, misuse information about creators that you obtain through Ripe Pulp, send unsolicited messages in breach of the law or of somebody’s request to stop, or copy or harvest the directory.

Copyright and trademark complaints

We respond to notices of alleged copyright infringement and to trademark complaints as described in our Copyright Policy. We may remove content and, in appropriate circumstances, close the accounts of people who repeatedly infringe.

Third-party services

Ripe Pulp connects to services we do not control, such as YouTube, Google, payment providers and email services. Your use of them is governed by their own terms, and we are not responsible for their availability, for changes they make, or for data they provide to us that turns out to be inaccurate.

Suspension and termination

You may stop using Ripe Pulp and close your account at any time. We may suspend or close an account, or remove content, if you breach these Terms or our policies, if we are required to by law, or if continuing would expose Ripe Pulp, our users or the public to harm. Where it is reasonable and lawful to do so we will tell you why and give you a chance to respond. Sections of these Terms that by their nature should survive — including payment obligations you have already incurred, the licence needed to wind down your content, and the sections below — survive termination.

Disclaimers

Ripe Pulp is provided “as is” and “as available”. To the fullest extent the law allows, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. We do not guarantee that the platform will be uninterrupted or error-free, that information shown about creators or their audiences is complete or current, or that any collaboration arranged through Ripe Pulp will produce a particular result. Nothing in these Terms limits rights you have under consumer protection law that cannot be limited by contract.

Limitation of liability

To the fullest extent the law allows, Ripe Pulp and CoreExponent LLC will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, data or goodwill, arising out of or relating to your use of the platform. Our total liability for all claims relating to the platform is limited to the greater of the fees you paid us in the twelve months before the event giving rise to the claim and one hundred US dollars. These limits do not apply to liability that cannot be limited by law, such as liability for fraud or for death or personal injury caused by negligence.

Indemnity

You will defend and indemnify Ripe Pulp and CoreExponent LLC against claims, losses and costs, including reasonable legal fees, brought by a third party and arising from your content, your products and services, your breach of these Terms or our policies, or your violation of anybody else’s rights — including a false claim to a creator profile.

Governing law and disputes

Ripe Pulp is operated by CoreExponent LLC, a limited liability company registered in Texas, USA. These Terms, and any dispute arising out of or relating to them or to your use of the platform, are governed by the laws of the State of Texas and the federal laws of the United States that apply there, without regard to conflict-of-laws rules. You and we agree that such disputes will be brought only in the state or federal courts located in Texas, and both of us consent to their jurisdiction.

If you live in a country or state whose consumer protection law gives you the right to bring a claim where you live, or under that law, nothing in this section takes that right away.

Changes to these Terms

We may update these Terms as the platform changes. When we make a material change we will update the date at the top of this page and ask you to accept the new version inside Ripe Pulp. If you do not agree to a change, you may stop using the platform and close your account.

Contact

Questions about these Terms? Email support@ripepulp.com.