Terms of Service
Last Updated: August 19, 2026
SPLURGE
TERMS OF SERVICE
Comprehensive Draft for Legal Review — Version 0.2 (Expanded)
Last updated: [DATE]
IMPORTANT NOTICE: This is an expanded first-draft template prepared for legal review. It is not legal advice and has not been reviewed by qualified counsel. Wallet, KYC/AML, virtual-currency, and cross-border payment features are heavily regulated in most jurisdictions and require sign-off from licensed local counsel — and, in many jurisdictions, a payment services or e-money license — before launch.
Table of Contents
1. Introduction and Acceptance of Terms
2. Definitions and Interpretation
3. Eligibility and Account Registration
4. Account Types and Verification Tiers
5. User Content, License Grant, and Warranties
6. Intellectual Property and Copyright Policy
7. Monetization, Wallet, and Splurge Coins
8. Fees and Commission Schedule
9. Live Streaming
10. Professional Networking and Messaging
11. Collaboration Hub and Royalty Splits
12. Opportunities Marketplace
13. Artificial Intelligence Features
14. Prohibited Conduct
15. Content Moderation and Enforcement
16. Suspension, Termination, and Effect of Termination
17. Disclaimers
18. Limitation of Liability
19. Indemnification
20. Confidentiality
21. Dispute Resolution, Governing Law, and Arbitration
22. General Provisions
23. Notices and Contact
1. Introduction and Acceptance of Terms
1.1 These Terms of Service (“Terms”) form a legally binding agreement between you (“User,” “you,” “your”) and [SPLURGE LEGAL ENTITY NAME], a company incorporated under the laws of the Federal Republic of Nigeria with registered address at 11 Biliaminu Crescent, Ikola, Ipaja, Lagos (“Splurge,” “we,” “us,” “our”), governing your access to and use of the Splurge mobile applications, website, application programming interfaces, and all related services (collectively, the “Platform”), which are made available on a worldwide basis.
1.1A Worldwide availability; no territorial restriction by default. The Platform is offered to Users globally, and these Terms apply to every User regardless of country of residence, subject to clause 1.1B below and Section 3.5 (sanctioned persons and restricted territories). Splurge may, at its discretion, restrict, delay, or vary the availability of specific features (including wallet, payout, or live-streaming functionality) in particular countries where required by local law, licensing, payment-rail availability, or regulatory risk, and will provide notice of any such restriction where feasible.
1.1B Worldwide operation and local mandatory law. Splurge designates a single governing law and dispute-resolution forum for the Platform as a whole (Section 21), to give a predictable framework for a globally accessible service. This does not remove any protection that the mandatory consumer-protection, data-protection, or employment law of your own country grants you and that cannot lawfully be waived by contract (for example, a right to bring certain consumer claims before your home courts, or a right to lodge a complaint with your local data-protection authority under Section 14 of the Privacy Policy). Where such a mandatory local right conflicts with a provision of these Terms, the local right prevails to the minimum extent required by that law, and the remainder of these Terms continues to apply.
1.2 These Terms incorporate by reference the following supplemental policies, each of which forms part of your agreement with Splurge: the Privacy Policy; Cookie Policy; Acceptable Use Policy; Community Standards; Creator Terms; Listener Terms; Professional User Terms; Wallet Terms & Conditions; Payment & Withdrawal Policy; Refund & Cancellation Policy; Intellectual Property Policy; Copyright & DMCA Takedown Policy; Content Moderation Policy; Live Streaming Policy; Marketplace Terms; Collaboration & Royalty Split Terms; AI Usage & AI Content Policy; KYC & Identity Verification Policy; AML/CFT Compliance Policy; Data Retention & Deletion Policy; and Security & Responsible Disclosure Policy. Where a supplemental policy conflicts with these Terms on a matter it specifically addresses, the supplemental policy controls for that matter.
1.3 By creating an account, clicking “I Agree,” or otherwise accessing or using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms. If you are entering into these Terms on behalf of an organization, you represent that you have authority to bind that organization, and “you” refers to both you and the organization.
1.4 Splurge may modify these Terms from time to time. We will provide notice of material changes at least [14/30] days before they take effect, through the Platform or by email. Continued use of the Platform after the effective date constitutes acceptance of the revised Terms; if you do not agree, you must stop using the Platform and may close your account.
2. Definitions and Interpretation
“Content” means Any audio, video, image, text, metadata, lyrics, artwork, contract, or other material uploaded, streamed, transmitted, or generated (including by AI tools) through the Platform.
“Creator” means A verified User who uploads, performs, broadcasts, or monetizes Content on the Platform.
“Listener” means A User who primarily streams, follows, tips, or otherwise supports Creators, whether on a Free or Verified tier.
“Professional User” means A verified industry participant, including A&R representatives, managers, producers, label executives, recruiters, and entertainment lawyers.
“Wallet” means The in-app balance, ledger, and payment functionality described in the Wallet Terms, including fiat balances and Splurge Coins.
“Splurge Coins” means The Platform's internal virtual currency used for gifting, tipping, and certain in-app purchases, which is not legal tender, is not insured or government-backed, and has value only as expressly provided in the Wallet Terms.
“Marketplace” means The opportunities, licensing, job-board, talent-discovery, and related transactional features described in Section 12.
“Collaboration Hub” means The project, versioning, royalty-split, and contract-template tools described in Section 11.
“Verified Account” means An account that has completed the applicable KYC tier described in Section 4.
“Affiliate” means Any entity that controls, is controlled by, or is under common control with a party.
2.1 Headings are for convenience only and do not affect interpretation. Words importing the singular include the plural and vice versa. “Including” means “including without limitation.”
3. Eligibility and Account Registration
3.1 Minimum age. You must be at least 13 years old to create an account, and at least the age of majority in your jurisdiction to enter into these Terms on your own behalf. Users between 13 and the age of majority may only use the Platform with verifiable parental or guardian consent, and a parent or guardian who provides such consent agrees to be bound by these Terms and is responsible for the minor's compliance.
3.2 Accuracy of information. You agree to provide accurate, current, and complete information during registration and to promptly update it. Splurge may suspend accounts containing information it reasonably believes to be false, misleading, or impersonating another person or entity.
3.3 Account security. You are responsible for maintaining the confidentiality of your login credentials, for all activity occurring under your account, and for promptly notifying Splurge of any unauthorized use or suspected security breach via [security@splurge.ng].
3.4 One account per person. Except where a business or label account is separately authorized by Splurge, each natural person may hold only one Listener account and one Creator or Professional User account. Splurge may consolidate or remove duplicate accounts used to evade restrictions.
3.5 Sanctioned persons and restricted territories. You represent that you are not (a) named on any sanctions or watch list maintained by the United Nations, the U.S. Office of Foreign Assets Control, the UK, the EU, or Nigeria, or (b) located in, or a resident of, a country or territory subject to comprehensive sanctions, and that you will not use the Platform in violation of applicable export control or sanctions law.
4. Account Types and Verification Tiers
Account Type Description Verification Required
Free Listener Basic streaming, following, limited features Email/phone only
Verified Listener Tipping, gifting, premium features Basic identity check
Verified Creator Upload, monetize, go live, Full KYC (Tier 2)
Verified Professional User Networking, contracts posting Full KYC + credential verification (Tier 2/3)
4.1 Splurge may introduce additional tiers, badges, or verification levels (e.g., label-verified, blue-check professional badges) and may condition access to specific features on completion of the applicable tier.
4.2 Verification decisions (including rejection or revocation of a verified badge) are made at Splurge's reasonable discretion based on the information available and may be appealed through the process described in the KYC & Identity Verification Policy.
5. User Content, License Grant, and Warranties
5.1 Ownership. As between you and Splurge, you retain all ownership rights in Content you upload, subject to the license granted below and any rights you have separately assigned (for example, under the Creator Agreement or a Marketplace transaction).
5.2 License grant. By uploading Content, you grant Splurge a worldwide, non-exclusive, royalty-free, transferable, and sublicensable license to host, cache, store, reproduce, adapt (solely for formatting and technical delivery, such as transcoding), distribute, publicly perform, publicly display, and create thumbnails or previews of your Content, solely to operate, promote, secure, and improve the Platform, including through recommendation systems and permitted third-party integrations.
5.3 Warranties. You represent and warrant that: (a) you own or control all necessary rights (including musical composition, sound recording, synchronization, publishing, and performer/neighbouring rights) to upload the Content and grant the license above; (b) your Content does not infringe any patent, trademark, trade secret, copyright, right of publicity, or other right of any third party; (c) your Content complies with the Community Standards and all applicable law; and (d) where Content includes a third party's likeness, voice, or performance, you have obtained all necessary consents.
5.4 Removal on request. Splurge may remove Content that it reasonably believes violates these Terms, infringes a third party's rights, or exposes Splurge to legal risk, with notice to you where feasible.
6. Intellectual Property and Copyright Policy
6.1 Splurge respects intellectual property rights and expects Users to do the same. Splurge operates a notice-and-takedown procedure consistent with the U.S. Digital Millennium Copyright Act and equivalent regimes in other jurisdictions, set out in full in the separate Copyright & DMCA Takedown Policy, which is incorporated by reference and covers, among other things:
●Submission requirements for a valid infringement notice
●Splurge's process for expeditious removal or disabling of access to allegedly infringing Content
●The counter-notification process available to Users who believe their Content was wrongly removed
●A repeat-infringer policy, including account termination thresholds
●A separate process for trademark complaints
6.2 Platform IP. The Splurge name, logo, and all software, design, and platform technology are owned by Splurge or its licensors and are protected by intellectual property laws. Nothing in these Terms grants you rights in Splurge's trademarks or platform technology except as necessary to use the Platform as intended.
7. Monetization, Wallet, and Splurge Coins
7.1 Monetization channels. Creators may monetize Content through live-stream gifting and tipping, fan subscriptions and exclusives, merchandise and ticket sales, licensing and publishing arrangements, and record-deal facilitation, each subject to the Creator Agreement.
7.2 Wallet. All monetary features are governed by the separate Wallet Terms & Conditions, which address Splurge Coins, currency conversion, minimum withdrawal thresholds, processing fees, chargebacks, dormant-wallet handling, and fraud monitoring. The Wallet is not a bank account, and balances held in the Wallet are not insured by any deposit insurance scheme unless expressly stated.
7.3 Splurge Coins. Splurge Coins may be purchased with fiat currency and used for in-app gifting, tipping, and purchases. Splurge Coins are not a currency, security, or investment product, have no value outside the Platform except as expressly convertible under the Wallet Terms, are non-transferable between Users except through Platform-sanctioned gifting features, and may expire or be forfeited as described in the Wallet Terms, subject to applicable consumer-protection law.
7.4 KYC threshold. Withdrawal of funds above [amount] requires completion of enhanced due diligence in accordance with the KYC & AML Policy.
8. Fees and Commission Schedule
Revenue Stream Indicative Platform Commission Notes
Live gifting / tipping [10–20]% Subject to payment-processor fees
Fan subscriptions [10–20]% Recurring billing fees may apply
Merchandise / tickets [10–20]% Excludes shipping/fulfilment costs
Licensing / publishing / marketplace [X]% Per transaction, see Marketplace Terms
Withdrawal processing [flat fee / %] May vary by payout method and currency
8.1 Splurge may change fees and commissions prospectively upon notice; changes do not apply to transactions completed before the effective date.
9. Live Streaming
9.1 Live streaming features permit real-time audio/video broadcast, real-time gifting, and ticketed virtual events, subject to the Live Streaming Policy.
9.2 Users must comply with the Community Standards while broadcasting, including prohibitions on unlawful, infringing, sexually explicit, or harmful content, and must not broadcast content that endangers minors.
9.3 Splurge may interrupt, suspend, or terminate a live stream without prior notice where necessary to prevent harm, comply with law, or respond to a credible report of abuse.
9.4 Ticketed virtual events are subject to the Refund & Cancellation Policy, including circumstances warranting a refund (e.g., cancelled or materially defective events).
10. Professional Networking and Messaging
10.1 Professional Users and Creators may build profiles, connect, and exchange direct messages, including sharing electronic press kits (EPKs) and contracts.
10.2 To prevent spam and impersonation, Splurge may require message requests, verification badges, and rate limits before unrestricted messaging is enabled.
10.3 Professional Users must not use networking features to solicit fraudulent opportunities, misrepresent industry affiliation or credentials, or conduct unlicensed recruitment, financial-services, or investment-solicitation activity.
10.4 Splurge does not verify the accuracy of every credential a Professional User claims and disclaims responsibility for the outcome of any professional engagement, contract, or transaction arranged through the Platform. Users are encouraged to independently verify counterparties before entering into agreements.
11. Collaboration Hub and Royalty Splits
11.1 The Collaboration Hub allows Users to create projects, invite collaborators, version audio/video assets and stems, and generate automated royalty split sheets and contract templates.
11.2 Split sheets and contract templates generated by the Platform are provided as a convenience tool only and do not constitute legal advice. Users are responsible for confirming the accuracy, completeness, and enforceability of any split or contract, and are encouraged to obtain independent legal review, particularly for cross-border collaborations.
11.3 Splurge is not a party to, and assumes no liability for, collaboration agreements formed between Users, except where Splurge expressly countersigns or facilitates escrow for a transaction.
12. Opportunities Marketplace
12.1 The Marketplace facilitates licensing requests, beat sales, job postings, talent discovery, and AI-assisted smart matching, subject to the separate Marketplace Terms.
12.2 Marketplace Terms address applicable fees, escrow arrangements (where offered), dispute-resolution procedures between Users, fraud prevention, and content/posting standards for job listings and licensing offers.
12.3 Splurge is not a party to agreements formed between Users through the Marketplace unless expressly stated, and does not guarantee the outcome, quality, or legality of any listed opportunity, though Splurge may remove listings that violate these Terms or applicable law.
13. Artificial Intelligence Features
13.1 The Platform uses AI and machine-learning systems for content recommendations, fraud and anomaly detection, talent/opportunity matching, and, in future releases, AI-assisted or AI-generated audiovisual content (e.g., automated video generation for songs).
13.2 Where AI-generated Content is offered, ownership, attribution, permitted use, and any revenue-sharing arrangement will be governed by the separate AI Usage & AI Content Policy, to be published prior to the release of such features.
13.3 Automated decisions that materially affect a User's account (for example, an automated fraud flag resulting in a wallet freeze) are subject to human review upon request, consistent with applicable law.
13.4 Splurge will not use User Content to train third-party general-purpose AI models without separate notice and, where required by law, consent, distinct from the license granted in Section 5.2.
14. Prohibited Conduct
Without limiting the Community Standards, you must not use the Platform to:
●Upload Content that infringes intellectual property or violates a third party's rights of privacy or publicity;
●Post or transmit hate speech, harassment, threats, or content sexualizing or endangering minors in any way;
●Manipulate streams, engagement metrics, ratings, or wallet transactions, including through bots, click-farms, or fraudulent gifting;
●Use the Platform to facilitate money laundering, terrorist financing, sanctions evasion, or other financial crime;
●Circumvent, disable, or attempt to reverse-engineer KYC, age-verification, DRM, or account-security controls;
●Post fraudulent, deceptive, or unlicensed job postings, licensing offers, or investment solicitations on the Marketplace;
●Interfere with the Platform's operation, including through malware, denial-of-service attacks, or unauthorized scraping;
●Misrepresent your identity, affiliation, age, or professional credentials.
14.1 Violations may result in Content removal, feature restriction, suspension, permanent termination, wallet freezing pending investigation, forfeiture of fraudulently obtained funds to the extent permitted by law, and/or referral to law enforcement or financial regulators.
15. Content Moderation and Enforcement
15.1 Splurge may review, moderate, restrict, label, or remove Content and may suspend or restrict accounts at its reasonable discretion to enforce these Terms, the Community Standards, and applicable law.
15.2 Where feasible and not prohibited by law (for example, where notice would compromise a fraud or safety investigation), Splurge will provide notice of a moderation action and an opportunity to appeal through the in-app appeals process described in the Content Moderation Policy.
16. Suspension, Termination, and Effect of Termination
16.1 You may close your account at any time through account settings, subject to completion of pending payment obligations, withdrawal of remaining Wallet balances (subject to the Wallet Terms), and resolution of any open disputes.
16.2 Splurge may suspend or terminate your account, with or without notice, for material breach of these Terms, suspected fraud or money laundering, legal or regulatory requirement, risk to the Platform or other Users, or extended account inactivity as described in the Dormant Wallet Policy.
16.3 Upon termination: your license to use the Platform ends immediately; Splurge may delete or retain your Content and data as described in the Data Retention & Deletion Policy; outstanding payment obligations remain due; and provisions that by their nature should survive (including Sections 6, 17, 18, 19, 20, and 21) survive termination.
17. Disclaimers
THE PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE OPERATION, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. SPLURGE DOES NOT WARRANT THE ACCURACY OF ANY USER-SUPPLIED INFORMATION, INCLUDING PROFESSIONAL CREDENTIALS, MARKETPLACE LISTINGS, OR AI-GENERATED RECOMMENDATIONS.
18. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, SPLURGE AND ITS AFFILIATES, OFFICERS, EMPLOYEES, CONTRACTORS, AND AGENTS SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING FROM OR RELATING TO YOUR USE OF THE PLATFORM, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SPLURGE'S AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT OF FEES/COMMISSIONS YOU PAID TO SPLURGE IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) [AMOUNT]. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW, INCLUDING FOR FRAUD, FRAUDULENT MISREPRESENTATION, GROSS NEGLIGENCE, OR DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE.
19. Indemnification
You agree to indemnify, defend, and hold harmless Splurge and its Affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or relating to: (a) your Content; (b) your breach of these Terms or any incorporated policy; (c) your violation of any law or third-party right, including intellectual property, privacy, or publicity rights; or (d) any transaction or agreement you enter into with another User through the Platform.
20. Confidentiality
Where the Platform facilitates the sharing of confidential materials (e.g., unreleased music, contracts, or EPKs) between Users, each User accessing such materials agrees to use them solely for the purpose for which they were shared and not to disclose them to third parties without authorization, except as required by law.
21. Dispute Resolution, Governing Law, and Arbitration
21.1 These Terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict-of-laws principles, and without prejudice to any mandatory local consumer-protection or data-protection law described in clause 1.1B.
21.2 Except where prohibited by law or where a User qualifies for a non-waivable consumer-protection carve-out, disputes arising out of or relating to these Terms shall be resolved through binding arbitration administered by the Lagos Court of Arbitration (or, for Users who elect and are legally entitled to a different recognized international forum, the International Chamber of Commerce) under its rules then in effect, with the seat of arbitration in Lagos, Nigeria, conducted in the English language, on an individual basis. Splurge may, at its discretion, agree to a different seat or forum for a specific dispute.
21.2A Users located outside Nigeria. Because the Platform is used worldwide, Splurge recognizes that some Users reside in countries where local law does not permit pre-dispute arbitration agreements to be enforced against consumers, or grants a non-waivable right to sue in local courts (for example, under certain EU, UK, or Brazilian consumer-protection regimes). For such Users, this Section 21 applies only to the extent enforceable under that local law, and the User may instead bring a claim in the courts of their own habitual residence where mandatory law so requires.
21.3 Class actions, class arbitrations, and jury trials are waived to the extent permitted by applicable law. Either party may bring an individual action in small-claims court where eligible, and either party may seek injunctive relief in a court of competent jurisdiction to prevent infringement of intellectual property or misuse of confidential information.
22. General Provisions
22.1 Force Majeure. Splurge is not liable for delays or failures caused by events beyond its reasonable control, including natural disasters, war, internet or power outages, or governmental action.
22.2 Assignment. You may not assign or transfer these Terms without Splurge's prior written consent. Splurge may assign these Terms without consent in connection with a merger, acquisition, reorganization, or sale of substantially all assets.
22.3 Severability. If any provision of these Terms is held unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
22.4 Entire Agreement. These Terms, together with the incorporated policies, constitute the entire agreement between you and Splurge regarding the Platform and supersede all prior agreements on that subject.
22.5 No Waiver. Splurge's failure to enforce any provision is not a waiver of its right to do so later.
22.6 Electronic Signatures and Notices. You consent to receive notices electronically through the Platform or by email and agree that electronic acceptance (e.g., clicking “I Agree”) constitutes a valid signature and acceptance of these Terms.
22.7 International Users. The Platform is accessible worldwide and is used by Users in many jurisdictions with differing legal regimes for content, payments, virtual currency, and data protection. Nothing in these Terms limits any additional right granted to you by mandatory local consumer-protection, employment, or data-protection law, and nothing in these Terms should be read as Splurge representing that the Platform, the Wallet, or Splurge Coins have been authorized, licensed, or registered in every country from which the Platform can be accessed. Certain features may be unavailable, delayed, or offered on different terms in specific countries as described in clause 1.1A.
22.8 Relationship of the Parties. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and Splurge.
23. Notices and Contact
info@splurge.ng
TERMS OF SERVICE
Comprehensive Draft for Legal Review — Version 0.2 (Expanded)
Last updated: [DATE]
IMPORTANT NOTICE: This is an expanded first-draft template prepared for legal review. It is not legal advice and has not been reviewed by qualified counsel. Wallet, KYC/AML, virtual-currency, and cross-border payment features are heavily regulated in most jurisdictions and require sign-off from licensed local counsel — and, in many jurisdictions, a payment services or e-money license — before launch.
Table of Contents
1. Introduction and Acceptance of Terms
2. Definitions and Interpretation
3. Eligibility and Account Registration
4. Account Types and Verification Tiers
5. User Content, License Grant, and Warranties
6. Intellectual Property and Copyright Policy
7. Monetization, Wallet, and Splurge Coins
8. Fees and Commission Schedule
9. Live Streaming
10. Professional Networking and Messaging
11. Collaboration Hub and Royalty Splits
12. Opportunities Marketplace
13. Artificial Intelligence Features
14. Prohibited Conduct
15. Content Moderation and Enforcement
16. Suspension, Termination, and Effect of Termination
17. Disclaimers
18. Limitation of Liability
19. Indemnification
20. Confidentiality
21. Dispute Resolution, Governing Law, and Arbitration
22. General Provisions
23. Notices and Contact
1. Introduction and Acceptance of Terms
1.1 These Terms of Service (“Terms”) form a legally binding agreement between you (“User,” “you,” “your”) and [SPLURGE LEGAL ENTITY NAME], a company incorporated under the laws of the Federal Republic of Nigeria with registered address at 11 Biliaminu Crescent, Ikola, Ipaja, Lagos (“Splurge,” “we,” “us,” “our”), governing your access to and use of the Splurge mobile applications, website, application programming interfaces, and all related services (collectively, the “Platform”), which are made available on a worldwide basis.
1.1A Worldwide availability; no territorial restriction by default. The Platform is offered to Users globally, and these Terms apply to every User regardless of country of residence, subject to clause 1.1B below and Section 3.5 (sanctioned persons and restricted territories). Splurge may, at its discretion, restrict, delay, or vary the availability of specific features (including wallet, payout, or live-streaming functionality) in particular countries where required by local law, licensing, payment-rail availability, or regulatory risk, and will provide notice of any such restriction where feasible.
1.1B Worldwide operation and local mandatory law. Splurge designates a single governing law and dispute-resolution forum for the Platform as a whole (Section 21), to give a predictable framework for a globally accessible service. This does not remove any protection that the mandatory consumer-protection, data-protection, or employment law of your own country grants you and that cannot lawfully be waived by contract (for example, a right to bring certain consumer claims before your home courts, or a right to lodge a complaint with your local data-protection authority under Section 14 of the Privacy Policy). Where such a mandatory local right conflicts with a provision of these Terms, the local right prevails to the minimum extent required by that law, and the remainder of these Terms continues to apply.
1.2 These Terms incorporate by reference the following supplemental policies, each of which forms part of your agreement with Splurge: the Privacy Policy; Cookie Policy; Acceptable Use Policy; Community Standards; Creator Terms; Listener Terms; Professional User Terms; Wallet Terms & Conditions; Payment & Withdrawal Policy; Refund & Cancellation Policy; Intellectual Property Policy; Copyright & DMCA Takedown Policy; Content Moderation Policy; Live Streaming Policy; Marketplace Terms; Collaboration & Royalty Split Terms; AI Usage & AI Content Policy; KYC & Identity Verification Policy; AML/CFT Compliance Policy; Data Retention & Deletion Policy; and Security & Responsible Disclosure Policy. Where a supplemental policy conflicts with these Terms on a matter it specifically addresses, the supplemental policy controls for that matter.
1.3 By creating an account, clicking “I Agree,” or otherwise accessing or using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms. If you are entering into these Terms on behalf of an organization, you represent that you have authority to bind that organization, and “you” refers to both you and the organization.
1.4 Splurge may modify these Terms from time to time. We will provide notice of material changes at least [14/30] days before they take effect, through the Platform or by email. Continued use of the Platform after the effective date constitutes acceptance of the revised Terms; if you do not agree, you must stop using the Platform and may close your account.
2. Definitions and Interpretation
“Content” means Any audio, video, image, text, metadata, lyrics, artwork, contract, or other material uploaded, streamed, transmitted, or generated (including by AI tools) through the Platform.
“Creator” means A verified User who uploads, performs, broadcasts, or monetizes Content on the Platform.
“Listener” means A User who primarily streams, follows, tips, or otherwise supports Creators, whether on a Free or Verified tier.
“Professional User” means A verified industry participant, including A&R representatives, managers, producers, label executives, recruiters, and entertainment lawyers.
“Wallet” means The in-app balance, ledger, and payment functionality described in the Wallet Terms, including fiat balances and Splurge Coins.
“Splurge Coins” means The Platform's internal virtual currency used for gifting, tipping, and certain in-app purchases, which is not legal tender, is not insured or government-backed, and has value only as expressly provided in the Wallet Terms.
“Marketplace” means The opportunities, licensing, job-board, talent-discovery, and related transactional features described in Section 12.
“Collaboration Hub” means The project, versioning, royalty-split, and contract-template tools described in Section 11.
“Verified Account” means An account that has completed the applicable KYC tier described in Section 4.
“Affiliate” means Any entity that controls, is controlled by, or is under common control with a party.
2.1 Headings are for convenience only and do not affect interpretation. Words importing the singular include the plural and vice versa. “Including” means “including without limitation.”
3. Eligibility and Account Registration
3.1 Minimum age. You must be at least 13 years old to create an account, and at least the age of majority in your jurisdiction to enter into these Terms on your own behalf. Users between 13 and the age of majority may only use the Platform with verifiable parental or guardian consent, and a parent or guardian who provides such consent agrees to be bound by these Terms and is responsible for the minor's compliance.
3.2 Accuracy of information. You agree to provide accurate, current, and complete information during registration and to promptly update it. Splurge may suspend accounts containing information it reasonably believes to be false, misleading, or impersonating another person or entity.
3.3 Account security. You are responsible for maintaining the confidentiality of your login credentials, for all activity occurring under your account, and for promptly notifying Splurge of any unauthorized use or suspected security breach via [security@splurge.ng].
3.4 One account per person. Except where a business or label account is separately authorized by Splurge, each natural person may hold only one Listener account and one Creator or Professional User account. Splurge may consolidate or remove duplicate accounts used to evade restrictions.
3.5 Sanctioned persons and restricted territories. You represent that you are not (a) named on any sanctions or watch list maintained by the United Nations, the U.S. Office of Foreign Assets Control, the UK, the EU, or Nigeria, or (b) located in, or a resident of, a country or territory subject to comprehensive sanctions, and that you will not use the Platform in violation of applicable export control or sanctions law.
4. Account Types and Verification Tiers
Account Type Description Verification Required
Free Listener Basic streaming, following, limited features Email/phone only
Verified Listener Tipping, gifting, premium features Basic identity check
Verified Creator Upload, monetize, go live, Full KYC (Tier 2)
Verified Professional User Networking, contracts posting Full KYC + credential verification (Tier 2/3)
4.1 Splurge may introduce additional tiers, badges, or verification levels (e.g., label-verified, blue-check professional badges) and may condition access to specific features on completion of the applicable tier.
4.2 Verification decisions (including rejection or revocation of a verified badge) are made at Splurge's reasonable discretion based on the information available and may be appealed through the process described in the KYC & Identity Verification Policy.
5. User Content, License Grant, and Warranties
5.1 Ownership. As between you and Splurge, you retain all ownership rights in Content you upload, subject to the license granted below and any rights you have separately assigned (for example, under the Creator Agreement or a Marketplace transaction).
5.2 License grant. By uploading Content, you grant Splurge a worldwide, non-exclusive, royalty-free, transferable, and sublicensable license to host, cache, store, reproduce, adapt (solely for formatting and technical delivery, such as transcoding), distribute, publicly perform, publicly display, and create thumbnails or previews of your Content, solely to operate, promote, secure, and improve the Platform, including through recommendation systems and permitted third-party integrations.
5.3 Warranties. You represent and warrant that: (a) you own or control all necessary rights (including musical composition, sound recording, synchronization, publishing, and performer/neighbouring rights) to upload the Content and grant the license above; (b) your Content does not infringe any patent, trademark, trade secret, copyright, right of publicity, or other right of any third party; (c) your Content complies with the Community Standards and all applicable law; and (d) where Content includes a third party's likeness, voice, or performance, you have obtained all necessary consents.
5.4 Removal on request. Splurge may remove Content that it reasonably believes violates these Terms, infringes a third party's rights, or exposes Splurge to legal risk, with notice to you where feasible.
6. Intellectual Property and Copyright Policy
6.1 Splurge respects intellectual property rights and expects Users to do the same. Splurge operates a notice-and-takedown procedure consistent with the U.S. Digital Millennium Copyright Act and equivalent regimes in other jurisdictions, set out in full in the separate Copyright & DMCA Takedown Policy, which is incorporated by reference and covers, among other things:
●Submission requirements for a valid infringement notice
●Splurge's process for expeditious removal or disabling of access to allegedly infringing Content
●The counter-notification process available to Users who believe their Content was wrongly removed
●A repeat-infringer policy, including account termination thresholds
●A separate process for trademark complaints
6.2 Platform IP. The Splurge name, logo, and all software, design, and platform technology are owned by Splurge or its licensors and are protected by intellectual property laws. Nothing in these Terms grants you rights in Splurge's trademarks or platform technology except as necessary to use the Platform as intended.
7. Monetization, Wallet, and Splurge Coins
7.1 Monetization channels. Creators may monetize Content through live-stream gifting and tipping, fan subscriptions and exclusives, merchandise and ticket sales, licensing and publishing arrangements, and record-deal facilitation, each subject to the Creator Agreement.
7.2 Wallet. All monetary features are governed by the separate Wallet Terms & Conditions, which address Splurge Coins, currency conversion, minimum withdrawal thresholds, processing fees, chargebacks, dormant-wallet handling, and fraud monitoring. The Wallet is not a bank account, and balances held in the Wallet are not insured by any deposit insurance scheme unless expressly stated.
7.3 Splurge Coins. Splurge Coins may be purchased with fiat currency and used for in-app gifting, tipping, and purchases. Splurge Coins are not a currency, security, or investment product, have no value outside the Platform except as expressly convertible under the Wallet Terms, are non-transferable between Users except through Platform-sanctioned gifting features, and may expire or be forfeited as described in the Wallet Terms, subject to applicable consumer-protection law.
7.4 KYC threshold. Withdrawal of funds above [amount] requires completion of enhanced due diligence in accordance with the KYC & AML Policy.
8. Fees and Commission Schedule
Revenue Stream Indicative Platform Commission Notes
Live gifting / tipping [10–20]% Subject to payment-processor fees
Fan subscriptions [10–20]% Recurring billing fees may apply
Merchandise / tickets [10–20]% Excludes shipping/fulfilment costs
Licensing / publishing / marketplace [X]% Per transaction, see Marketplace Terms
Withdrawal processing [flat fee / %] May vary by payout method and currency
8.1 Splurge may change fees and commissions prospectively upon notice; changes do not apply to transactions completed before the effective date.
9. Live Streaming
9.1 Live streaming features permit real-time audio/video broadcast, real-time gifting, and ticketed virtual events, subject to the Live Streaming Policy.
9.2 Users must comply with the Community Standards while broadcasting, including prohibitions on unlawful, infringing, sexually explicit, or harmful content, and must not broadcast content that endangers minors.
9.3 Splurge may interrupt, suspend, or terminate a live stream without prior notice where necessary to prevent harm, comply with law, or respond to a credible report of abuse.
9.4 Ticketed virtual events are subject to the Refund & Cancellation Policy, including circumstances warranting a refund (e.g., cancelled or materially defective events).
10. Professional Networking and Messaging
10.1 Professional Users and Creators may build profiles, connect, and exchange direct messages, including sharing electronic press kits (EPKs) and contracts.
10.2 To prevent spam and impersonation, Splurge may require message requests, verification badges, and rate limits before unrestricted messaging is enabled.
10.3 Professional Users must not use networking features to solicit fraudulent opportunities, misrepresent industry affiliation or credentials, or conduct unlicensed recruitment, financial-services, or investment-solicitation activity.
10.4 Splurge does not verify the accuracy of every credential a Professional User claims and disclaims responsibility for the outcome of any professional engagement, contract, or transaction arranged through the Platform. Users are encouraged to independently verify counterparties before entering into agreements.
11. Collaboration Hub and Royalty Splits
11.1 The Collaboration Hub allows Users to create projects, invite collaborators, version audio/video assets and stems, and generate automated royalty split sheets and contract templates.
11.2 Split sheets and contract templates generated by the Platform are provided as a convenience tool only and do not constitute legal advice. Users are responsible for confirming the accuracy, completeness, and enforceability of any split or contract, and are encouraged to obtain independent legal review, particularly for cross-border collaborations.
11.3 Splurge is not a party to, and assumes no liability for, collaboration agreements formed between Users, except where Splurge expressly countersigns or facilitates escrow for a transaction.
12. Opportunities Marketplace
12.1 The Marketplace facilitates licensing requests, beat sales, job postings, talent discovery, and AI-assisted smart matching, subject to the separate Marketplace Terms.
12.2 Marketplace Terms address applicable fees, escrow arrangements (where offered), dispute-resolution procedures between Users, fraud prevention, and content/posting standards for job listings and licensing offers.
12.3 Splurge is not a party to agreements formed between Users through the Marketplace unless expressly stated, and does not guarantee the outcome, quality, or legality of any listed opportunity, though Splurge may remove listings that violate these Terms or applicable law.
13. Artificial Intelligence Features
13.1 The Platform uses AI and machine-learning systems for content recommendations, fraud and anomaly detection, talent/opportunity matching, and, in future releases, AI-assisted or AI-generated audiovisual content (e.g., automated video generation for songs).
13.2 Where AI-generated Content is offered, ownership, attribution, permitted use, and any revenue-sharing arrangement will be governed by the separate AI Usage & AI Content Policy, to be published prior to the release of such features.
13.3 Automated decisions that materially affect a User's account (for example, an automated fraud flag resulting in a wallet freeze) are subject to human review upon request, consistent with applicable law.
13.4 Splurge will not use User Content to train third-party general-purpose AI models without separate notice and, where required by law, consent, distinct from the license granted in Section 5.2.
14. Prohibited Conduct
Without limiting the Community Standards, you must not use the Platform to:
●Upload Content that infringes intellectual property or violates a third party's rights of privacy or publicity;
●Post or transmit hate speech, harassment, threats, or content sexualizing or endangering minors in any way;
●Manipulate streams, engagement metrics, ratings, or wallet transactions, including through bots, click-farms, or fraudulent gifting;
●Use the Platform to facilitate money laundering, terrorist financing, sanctions evasion, or other financial crime;
●Circumvent, disable, or attempt to reverse-engineer KYC, age-verification, DRM, or account-security controls;
●Post fraudulent, deceptive, or unlicensed job postings, licensing offers, or investment solicitations on the Marketplace;
●Interfere with the Platform's operation, including through malware, denial-of-service attacks, or unauthorized scraping;
●Misrepresent your identity, affiliation, age, or professional credentials.
14.1 Violations may result in Content removal, feature restriction, suspension, permanent termination, wallet freezing pending investigation, forfeiture of fraudulently obtained funds to the extent permitted by law, and/or referral to law enforcement or financial regulators.
15. Content Moderation and Enforcement
15.1 Splurge may review, moderate, restrict, label, or remove Content and may suspend or restrict accounts at its reasonable discretion to enforce these Terms, the Community Standards, and applicable law.
15.2 Where feasible and not prohibited by law (for example, where notice would compromise a fraud or safety investigation), Splurge will provide notice of a moderation action and an opportunity to appeal through the in-app appeals process described in the Content Moderation Policy.
16. Suspension, Termination, and Effect of Termination
16.1 You may close your account at any time through account settings, subject to completion of pending payment obligations, withdrawal of remaining Wallet balances (subject to the Wallet Terms), and resolution of any open disputes.
16.2 Splurge may suspend or terminate your account, with or without notice, for material breach of these Terms, suspected fraud or money laundering, legal or regulatory requirement, risk to the Platform or other Users, or extended account inactivity as described in the Dormant Wallet Policy.
16.3 Upon termination: your license to use the Platform ends immediately; Splurge may delete or retain your Content and data as described in the Data Retention & Deletion Policy; outstanding payment obligations remain due; and provisions that by their nature should survive (including Sections 6, 17, 18, 19, 20, and 21) survive termination.
17. Disclaimers
THE PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE OPERATION, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. SPLURGE DOES NOT WARRANT THE ACCURACY OF ANY USER-SUPPLIED INFORMATION, INCLUDING PROFESSIONAL CREDENTIALS, MARKETPLACE LISTINGS, OR AI-GENERATED RECOMMENDATIONS.
18. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, SPLURGE AND ITS AFFILIATES, OFFICERS, EMPLOYEES, CONTRACTORS, AND AGENTS SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING FROM OR RELATING TO YOUR USE OF THE PLATFORM, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SPLURGE'S AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT OF FEES/COMMISSIONS YOU PAID TO SPLURGE IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) [AMOUNT]. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW, INCLUDING FOR FRAUD, FRAUDULENT MISREPRESENTATION, GROSS NEGLIGENCE, OR DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE.
19. Indemnification
You agree to indemnify, defend, and hold harmless Splurge and its Affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or relating to: (a) your Content; (b) your breach of these Terms or any incorporated policy; (c) your violation of any law or third-party right, including intellectual property, privacy, or publicity rights; or (d) any transaction or agreement you enter into with another User through the Platform.
20. Confidentiality
Where the Platform facilitates the sharing of confidential materials (e.g., unreleased music, contracts, or EPKs) between Users, each User accessing such materials agrees to use them solely for the purpose for which they were shared and not to disclose them to third parties without authorization, except as required by law.
21. Dispute Resolution, Governing Law, and Arbitration
21.1 These Terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict-of-laws principles, and without prejudice to any mandatory local consumer-protection or data-protection law described in clause 1.1B.
21.2 Except where prohibited by law or where a User qualifies for a non-waivable consumer-protection carve-out, disputes arising out of or relating to these Terms shall be resolved through binding arbitration administered by the Lagos Court of Arbitration (or, for Users who elect and are legally entitled to a different recognized international forum, the International Chamber of Commerce) under its rules then in effect, with the seat of arbitration in Lagos, Nigeria, conducted in the English language, on an individual basis. Splurge may, at its discretion, agree to a different seat or forum for a specific dispute.
21.2A Users located outside Nigeria. Because the Platform is used worldwide, Splurge recognizes that some Users reside in countries where local law does not permit pre-dispute arbitration agreements to be enforced against consumers, or grants a non-waivable right to sue in local courts (for example, under certain EU, UK, or Brazilian consumer-protection regimes). For such Users, this Section 21 applies only to the extent enforceable under that local law, and the User may instead bring a claim in the courts of their own habitual residence where mandatory law so requires.
21.3 Class actions, class arbitrations, and jury trials are waived to the extent permitted by applicable law. Either party may bring an individual action in small-claims court where eligible, and either party may seek injunctive relief in a court of competent jurisdiction to prevent infringement of intellectual property or misuse of confidential information.
22. General Provisions
22.1 Force Majeure. Splurge is not liable for delays or failures caused by events beyond its reasonable control, including natural disasters, war, internet or power outages, or governmental action.
22.2 Assignment. You may not assign or transfer these Terms without Splurge's prior written consent. Splurge may assign these Terms without consent in connection with a merger, acquisition, reorganization, or sale of substantially all assets.
22.3 Severability. If any provision of these Terms is held unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
22.4 Entire Agreement. These Terms, together with the incorporated policies, constitute the entire agreement between you and Splurge regarding the Platform and supersede all prior agreements on that subject.
22.5 No Waiver. Splurge's failure to enforce any provision is not a waiver of its right to do so later.
22.6 Electronic Signatures and Notices. You consent to receive notices electronically through the Platform or by email and agree that electronic acceptance (e.g., clicking “I Agree”) constitutes a valid signature and acceptance of these Terms.
22.7 International Users. The Platform is accessible worldwide and is used by Users in many jurisdictions with differing legal regimes for content, payments, virtual currency, and data protection. Nothing in these Terms limits any additional right granted to you by mandatory local consumer-protection, employment, or data-protection law, and nothing in these Terms should be read as Splurge representing that the Platform, the Wallet, or Splurge Coins have been authorized, licensed, or registered in every country from which the Platform can be accessed. Certain features may be unavailable, delayed, or offered on different terms in specific countries as described in clause 1.1A.
22.8 Relationship of the Parties. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and Splurge.
23. Notices and Contact
info@splurge.ng
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