Stripe Connect Addendum

1. What this addendum covers

This addendum explains how payments, Booking Protection, payouts, refunds and fees work when you pay or get paid through P3RSON. It adds to the Terms of Service, Sections 3.2, 3.4 and 3.8. If this addendum and the Terms differ on these topics, this addendum applies.

Booking payments through Booking Protection start only when the app shows Booking Protection as available to you. The Booking Protection terms in this addendum apply only from that date.

It applies to creators, talent, agencies and brands. It does not apply to P3 Pro or P3 Coin purchases made through Apple (see the P3 Pro and Coins Addendum) or to Agency and Brand plan billing (see the Agency and Brand Addendum).

2. Who holds the money

• Card payments are collected by Stripe, Inc. ("Stripe"), our payment processor.
• Card payments go to P3RSON's Stripe account. P3RSON is the merchant of record. P3RSON holds a booking payment in its Stripe balance until it is released under Section 6.
• P3RSON is not a bank and is not an escrow agent. Stripe processes the payments as our payment processor.
• "Booking Protection" is the name of how P3RSON collects, holds and pays out booking payments. It is not a deposit account or an escrow service. Money held for a booking is not a deposit, is not insured by the FDIC and earns no interest.
• On release, P3RSON transfers the creator's share, and any agency commission, from its Stripe balance to their Stripe accounts.
• P3RSON does not handle card numbers. Stripe does.
• P3RSON is not liable for third-party payment processor (Apple, Stripe) fees, delays or outages.

3. Your Stripe account

To get paid, you must connect a Stripe Connect Express account in the app. You do not need Stripe to build or publish a Media Kit. You need it, with payouts turned on, to take paid bookings.

If you publish a Media Kit before payouts are on, the kit is public but no one can request a booking from it until payouts are on. If Stripe restricts or closes your connected account, we pause your Media Kit: its public page and booking requests stop, and the app tells you why and how to fix it. When Stripe turns payouts back on, your Media Kit comes back by itself. We never publish a Media Kit you took down.

• You must accept the Stripe Connected Account Agreement and Stripe's terms. That agreement is between you and Stripe.
• Stripe checks your identity (KYC). You may need to give your name, address, date of birth, bank details, tax ID and a government ID. Stripe decides how long verification takes.
• Payouts are not available until Stripe verifies you.
• The account is in your name, not P3RSON's.
• Only verified adults can connect Stripe. Members under 18 cannot connect a Stripe account, hold a balance, receive payouts or be paid through the Platform.

Suspension. P3RSON may suspend payouts for fraud or suspected fraud, failed identity checks, violations of the Terms or Stripe's terms, or three or more chargebacks or payment failures in 90 days. We give 30 days' written notice, except in severe cases such as fraud or legal requirement.

4. Fees

• The 10% fee applies to a payment from one user to another user processed through the Platform. It does not apply to P3RSON's own plans or to purchases of P3 Coins.
• "Card-paid" means paid by card or bank payment through Stripe. It does not include purchases through Apple In-App Purchase.
• Fees apply to each feature from the date that feature is made available to you in the app. A feature that is not shown as available in the app is not available and is not charged.

Worked example: $1,000 booking

Worked example: booking with an agency

The agency commission is calculated on the amount left after the platform fee, not on the gross amount. On a $100 booking: the platform fee is $10.00, the agency's 20% is $18.00 (20% of $90), and the talent receives $72.00. The Stripe fee, which the creator side bears under the booking record, is deducted from the creator side's amount. See the Agency and Brand Addendum.

Booking limits

• Minimum booking: $50.
• Maximum booking: $100,000 per booking.
• These limits do not apply to tips, gifts or support, as stated in the Terms of Service, Section 3.2.

5. How Booking Protection works

P3RSON collects the payment for the creator. When a creator accepts a booking, the creator and any agency that represents the creator for it appoint P3RSON as their limited payment-collection agent to collect the booking payment from the brand. In this addendum, "brand" means the brand or agency that books and pays. Payment to P3RSON counts as payment to the creator and the agency: the brand's duty to pay that amount is met when its payment to P3RSON succeeds. P3RSON holds the payment until release under Section 6: when the brand approves the work, or automatically when the review period after delivery ends, unless a dispute is open. Held money earns no interest. P3RSON is not a bank and does not offer escrow.

1. A brand offers a booking and the creator accepts it.
2. The brand pays the full booking amount by card, in US dollars. The payment goes to P3RSON's Stripe account and stays in P3RSON's Stripe balance.
3. The creator does the work and marks it delivered in the app.
4. When one of the triggers in Section 6 happens, P3RSON transfers the creator's share to the creator's Stripe account. The platform fee stays with P3RSON, and any agency commission (at most 20% of the amount left after the platform fee) goes to the agency's Stripe account. Stripe then pays it out to their bank accounts automatically every day (Section 12).

Your share and any agency share are sent as separate transfers. If one fails, we retry it or reverse the other, so no one is paid twice.

6. Release triggers

Funds are released when:

1. the brand marks the delivery approved;
2. the review period stated in the booking contract ends after the creator marks the work delivered, and no dispute is open (automatic release); or
3. a dispute is resolved in favor of release.

The review period is 7 days unless the booking contract sets a different period of 1 to 30 days. If the brand asks for a revision, the review period starts again when the creator delivers again. An open dispute stops automatic release.

7. Hold period: up to 90 days

P3RSON may hold funds for up to 90 days from the day the booking is funded. This is P3RSON's right, not an automatic system guarantee, and P3RSON may release, return or extend a hold as described here.

• If a booking is still unresolved on day 90 and no dispute is open, P3RSON may instruct Stripe to refund the brand.
• Funds in an open dispute may stay held until the dispute is resolved, or for as long as Stripe permits.

8. Refunds

• A brand can request a refund within 30 days of the transaction.
• Eligible reasons: the service was not delivered, the parties agreed to cancel, or the creator breached the booking contract.
• Not eligible: a change of mind after delivery, or a subjective complaint about quality where nothing is defective.
• Refunds are processed in 5 to 10 business days.
• The Stripe processing fee is not refunded. It stays the creator's cost even when the payment is refunded.
• The platform fee is refunded only when the booking is refunded in full.
• Purchased P3 Coins are non-refundable except as required by law or by Apple.
• A refund decision can be appealed as shown in the Dispute Resolution policy, Section 4.

9. Disputes

Booking and payment disputes follow the schedule in one place, the Dispute Resolution policy, Section 4:

Contact disputes@p3rson.com and include the booking number.

10. Chargebacks

A chargeback happens when a cardholder disputes a payment with their card issuer. P3RSON may defend the payment for the account holder by giving Stripe the booking record, messages and proof of delivery. The creator is responsible for keeping their own proof, and P3RSON does not always decide in the creator's favor.

P3RSON may withhold or reverse payouts, fees and P3 Coin value for fraud, chargebacks, policy violations or legal requirement. P3RSON may recover any negative balance from future payouts. If Apple refunds a P3 Coins purchase after the coins were spent, the coins owed come out of the next coin purchase first; the P3 Pro and Coins Addendum explains this.

11. Negative balances

A balance goes negative when a refund, chargeback, reversal or fee is larger than the funds still owed to you. You owe that amount. P3RSON may deduct it from future payouts, and Stripe may collect it from your connected bank account under its agreement with you.

12. Payouts

• Payouts are automatic. After release, P3RSON transfers your share to your Stripe account, and Stripe pays your available balance out to your bank account every day. You do not request payouts. Stripe sets when it arrives.
• P3RSON sets no payout minimum. A balance below Stripe's minimum payout amount waits for the next daily payout.
• P3 Coins have no cash value and cannot be cashed out. See the P3 Pro and Coins Addendum.
• Agency payouts work the same way: the agency commission is transferred to the agency's Stripe account on release and paid out daily.
• You can see your payouts in your Stripe Express dashboard.

13. Taxes

• Creators are independent contractors. P3RSON does not withhold taxes.
• We or Stripe send tax forms when the law requires. Stripe collects the tax information.
• Platform and Stripe fees are business costs you may deduct.
• Questions: tax@p3rson.com.

14. Contact