Terms of Service

LOAMIFY is operated from Hong Kong. For product support, contact support@loamify.io. For legal notices, copyright claims, and privacy requests, contact legal@loamify.io.

We may assign or transfer these Terms and related rights and obligations to a successor legal entity that continues to operate LOAMIFY (for example, if we incorporate a dedicated LOAMIFY company). Your continued use of the Services after such a transfer constitutes acceptance of the successor operator under these Terms.

You must be at least 18 years old to create an account or use the Services. By using LOAMIFY, you represent that you meet this requirement and have the legal capacity to enter into these Terms.

Some Circles or creator offerings may impose additional age or eligibility rules (for example, adult-content Circles). Those rules apply in addition to this minimum age.

You are responsible for your account credentials, for activity under your account, and for keeping contact details accurate. Notify us promptly if you suspect unauthorized access.

We may suspend or terminate accounts that violate these Terms, create safety or legal risk, or remain inactive for an extended period. You may request account deletion in Settings; we aim to process deletion requests within 30 days, subject to legal retention needs described in our Privacy Policy.

LOAMIFY includes:

• A public social and discovery experience (profiles, feeds, Circles, messaging, and related features).
• Creator Studio tools for creators to run communities, content, audience, and commerce features.
• Platform operations tools used by LOAMIFY administrators (not a public product surface).

Features may be gated by feature flags, plan entitlements, early-access grants, or launch dates. We may change, add, or discontinue features with reasonable notice where practical.

You agree not to use the Services to:

• Violate law, or infringe intellectual property, privacy, or other rights.
• Post or distribute illegal content, malware, or content that exploits or endangers minors.
• Harass, threaten, defraud, or impersonate others.
• Spam, scrape, or overload the Services, or attempt to bypass security or access controls.
• Sell access to LOAMIFY accounts or misuse invitations, referrals, or promotions.
• Use the Services in a way that interferes with other users’ enjoyment or with platform integrity.

We may remove content, restrict features, or suspend accounts for violations. Creators remain responsible for content and sales they offer to their audiences.

You retain ownership of content you post (“User Content”). You grant LOAMIFY a worldwide, non-exclusive, royalty-free license to host, store, reproduce, adapt (for technical display), distribute, and display your User Content as needed to operate, improve, promote (within the product), and secure the Services.

You represent that you have the rights needed to post User Content and to grant this license. This license ends when your content is deleted from our systems, except for reasonable residual copies in backups or caches and content shared or retained as required by law or these Terms.

We respect intellectual property rights and expect users to do the same. If you believe material on LOAMIFY infringes your copyright, submit a notice using our DMCA notice form. If your content was removed and you believe the removal was mistaken, you may file a counter-notice.

For notices under the U.S. Digital Millennium Copyright Act (17 U.S.C. § 512), your submission should include the information required by statute (identification of the work and the infringing material, contact details, good-faith and accuracy statements, and a physical or electronic signature). We review notices through our platform legal-request process and may remove or disable access to allegedly infringing material.

For claims outside the DMCA framework, we still accept notices via the same form and will evaluate them under applicable law and these Terms. False or abusive notices may result in account action and may expose the claimant to liability.

Repeat infringers may have their accounts terminated in appropriate circumstances. Designated contact for copyright matters: legal@loamify.io.

LOAMIFY uses two different payment models. Please read this section carefully.

• Creator Plan / Studio subscription (Merchant of Record): When you purchase a LOAMIFY Creator Plan (including founding or list pricing), LOAMIFY is the merchant of record. Charges are processed on LOAMIFY’s Stripe account. Billing, cancellations, and plan support for that subscription are handled by LOAMIFY (typically via the Stripe Customer Portal and our support channels).
• Creator-sold offerings (creator is seller of record): Paid Circles, Courses, creator Memberships, and similar creator commerce use Stripe Connect. The creator (or community host) is the seller of record for tax, invoicing, delivery, customer support, refunds, cancellations, and chargebacks related to that sale. LOAMIFY provides the platform and charges a platform commission (application fee). Buyers should contact the creator first for billing issues on those purchases.

Digital products, events tickets, and other commerce features, when enabled, follow the same non–merchant-of-record model unless we expressly state otherwise at checkout.

Creator Plan prices, founding offers, and marketing terms are shown at checkout and on our pricing surfaces. Founding or promotional pricing may apply for a limited cohort or period and may renew at a different rate disclosed at purchase or later with notice where required.

Unless mandatory consumer law requires otherwise, Creator Plan fees are generally non-refundable once the billing period starts. You may cancel future renewals through the billing portal; access typically continues until the end of the paid period.

Studio access may additionally depend on launch dates, early-access grants, or plan entitlements. Payment alone may not unlock every Studio feature until those conditions are met.

For creator-sold transactions, LOAMIFY’s platform commission is disclosed in product materials and/or at checkout (for example, a founding rate and a standard list rate). We may change platform fees with reasonable notice for future transactions.

Refunds and cancellations for creator-sold offerings are governed by the creator’s published policies and applicable law. LOAMIFY is not the merchant of record for those sales and is not responsible for delivering the creator’s goods or services.

Stripe card-processing fees are generally not returned by Stripe when a charge is refunded. Unless a creator’s checkout policy clearly states otherwise, the seller bears non-recoverable Stripe processing fees associated with a refund. LOAMIFY is not liable for those processing fees.

When a creator issues a full refund of an original charge, LOAMIFY will ordinarily refund its platform commission on that charge where Stripe allows the application fee to be reversed. Partial refunds are handled proportionally where practical. Timing depends on Stripe and payout status.

Creators remain responsible for Connect disputes and chargebacks on their sales. Abuse of payments or disputes may lead to restriction of commerce features or Connect access.

The Services rely on processors such as Stripe (payments and Connect), email delivery providers, hosting providers, and object storage. Their terms and privacy policies apply to their processing. We are not responsible for third-party sites or services that you link to from User Content.

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not guarantee uninterrupted or error-free operation, or that creator content or sales will meet your expectations.

Nothing in these Terms excludes liability that cannot be excluded under applicable law.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOAMIFY AND ITS OPERATORS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR GOODWILL.

OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO LOAMIFY FOR THE CREATOR PLAN IN THE TWELVE (12) MONTHS BEFORE THE CLAIM OR (B) USD 100. This limit does not apply to liability that cannot be limited by law.

For creator-sold purchases, any claim about the creator’s product or service should be directed to the creator. LOAMIFY’s role is limited to providing the platform and collecting disclosed platform fees.

You agree to indemnify and hold harmless LOAMIFY and its operators from claims, damages, and expenses (including reasonable legal fees) arising from your User Content, your use of the Services, your creator sales, or your violation of these Terms or applicable law.

We may suspend or terminate access immediately for violations, legal risk, or to protect the Services or users. You may stop using the Services at any time. Provisions that by nature should survive (including ownership, licenses for residual copies, payment obligations already incurred, disclaimers, limits of liability, and indemnity) will survive termination.

We may update these Terms from time to time. We will post the updated version with a new “Last updated” date and, for material changes, provide additional notice where appropriate (for example, in-product or by email). Continued use after the effective date constitutes acceptance of the updated Terms.

These Terms are governed by the laws of Hong Kong, without regard to conflict-of-law rules. Courts of Hong Kong have exclusive jurisdiction, except that we may seek injunctive relief in any jurisdiction to protect the Services or intellectual property.

If any provision is unenforceable, the remaining provisions remain in effect. These Terms are the entire agreement between you and LOAMIFY regarding the Services and supersede prior conflicting agreements on the same subject.

Legal: legal@loamify.io. Support: support@loamify.io. See also our Privacy Policy and Cookies Policy.