Terms of Service

• Legal business name: Illuminate Payment Pty Ltd
• Registered office: [REGISTERED OFFICE ADDRESS], United Kingdom
• Support: team@illuminate.money
• Primary currency: GBP (or as shown at checkout)

• You must be at least 18 to create an account and enter into these Terms.
• You are responsible for your account activity and keeping credentials secure.
• We may verify identity for payouts or compliance (e.g., Stripe Identity/KYC).

Brands. Brands create and fund sponsorship campaigns that render natively on streams. Billing is time‑based (“CPS” – cost per second). A higher “Display Boost” increases a campaign’s share of eligible on‑stream time.

Creators. Creators connect their OBS/stream and, once approved, receive payouts based on seconds displayed (and applicable Boost). Creators must follow these Terms and the Acceptable Use rules below.

• Processor. Payments are processed by Stripe. We do not store full card numbers. See our Privacy Policy and Stripe Terms.
• Pricing. Per‑second rates, Boost, and platform fees are shown in‑app at checkout or on the Fees & Payouts page.
• Authorization. We may pre‑authorize funds for planned seconds; final charges reflect measured seconds delivered (and Boost).
• Invoices/receipts. Receipts are issued via Stripe; invoices are available in your account.

We deliver digital advertising time—on‑stream display seconds. Seconds are measured and logged when your assets are visible.

• Refund policy. Seconds already delivered are generally non‑refundable. If you believe there was an error, email team@illuminate.money within 14 days. We’ll investigate and may issue a partial/full refund at our discretion.
• Pause/cancel. You can pause a campaign at any time. Charges already incurred remain due; seconds do not accrue after the pause takes effect.
• Subscriptions (if any). Cancel future renewals in your account; posted charges follow the refund policy above.
• Chargebacks. We may suspend related accounts and offset credited creator payouts pending dispute resolution.

• Payouts are made through Stripe Connect. Complete required KYC/Tax forms.
• Payout timing depends on your country and Stripe’s settlement schedule.
• If a brand charge is reversed/refunded, we may offset related payouts from your balance.
• You are responsible for taxes on your earnings.

Using Illuminate for illegal or prohibited content is not allowed. You agree to comply with our and Stripe’s acceptable‑use rules. Prohibited examples include:

• Illegal products/services; hate or incitement; explicit sexual content; non‑consensual content.
• Weapons/explosives/drugs promotion; fraudulent or deceptive practices.
• Malware, scraping of non‑public data, or attempts to bypass measurement/safety systems.

Safety systems. We may analyze audio/metadata to avoid unsafe moments and nudge timing toward brand‑safe, high‑attention windows. We do not promise perfect avoidance.

• Brands grant us and participating creators a non‑exclusive, worldwide, royalty‑free license to host, process, and display submitted creative strictly to operate the campaign.
• Creators grant us the right to render on‑stream overlays and use stream metadata needed to run campaigns.
• You retain ownership of your trademarks and content. We retain ownership of the platform, SDKs, and models.

To improve our AI systems that power campaign generation, placement predictions, and brand‑safety features, we may use creative assets and related metadata you upload (e.g., images, video, titles/tags, derived features) to train, fine‑tune, evaluate, and improve our models and safety systems.

• Exclusions: We do not use payment or payout data, your personal contact details, or support conversations to train models.
• License: You grant Illuminate a non‑exclusive, worldwide, royalty‑free license to process your uploaded assets and derived features for the purposes above, while you retain ownership of your content.
• Your rights: If you do not want your assets used for model training, you may object at any time by emailing team@illuminate.money. We will honor your objection for future training use and remove your assets from active training sets where feasible. Model weights already trained may not be technically reversible.
• Vendors: We may use trusted compute vendors as sub‑processors under contracts restricting processing to our instructions.

Our Privacy Policy explains how we process personal data, including AI‑training uses and how to object.

• THE SERVICE IS PROVIDED “AS IS.” To the fullest extent permitted by law, we disclaim all warranties (express or implied).
• We do not guarantee specific campaign outcomes. Safety systems reduce risk but cannot eliminate it.
• To the extent permitted by law, our total liability is limited to the amounts you paid in the 6 months prior to the claim.

We may suspend or terminate accounts that violate these Terms or law. You may close your account at any time; incurred obligations survive.

These Terms are governed by the laws of England and Wales; the courts of England & Wales have exclusive jurisdiction.

We may update these Terms. Material changes will be posted here with a new effective date. Continued use after changes means acceptance.