Terms of Service

Last Updated: May 7, 2026 | Effective Date: May 7, 2026 | Version: 3.1

1. Introduction and Acceptance

Welcome to Peopls. These Terms of Service ("Terms," "Agreement") constitute a legally binding contract between you ("User," "you," "your") and Peopls Inc., a Delaware Public Benefit Corporation ("Peopls," "Company," "we," "us," "our").

By downloading, installing, accessing, or using the Peopls mobile application ("App") or any related services (collectively, the "Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and our Community Guidelines (available in the app under Help & Support), all of which are incorporated herein by reference.

IF YOU DO NOT AGREE TO ALL OF THESE TERMS, DO NOT ACCESS OR USE THE SERVICE.

IMPORTANT ARBITRATION NOTICE: BY USING THE SERVICE, YOU AGREE THAT DISPUTES BETWEEN YOU AND PEOPLS WILL BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION, AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS OR JURY TRIALS. Please read Section 15 (Dispute Resolution and Arbitration), Section 23 (Time Limitation on Claims), and Section 24 (Mass Arbitration Procedures) carefully.

We reserve the right to modify these Terms at any time. Material changes will be communicated via in-app notification or email at least 30 days before taking effect. Your continued use of the Service after modifications constitutes acceptance of the updated Terms. If you disagree with any changes, you must discontinue use and close your account.

2. Definitions

For the purposes of this Agreement:

"Account" means the user account you create to access the Service.
"Boost" means a free engagement action that increases a Story's visibility.
"Story" means creator-published content through the Service (which may include personal narrative and stated goals), subject to platform rules, allocation mechanics described in these Terms, and moderation.
"Content" means all text, images, videos, audio, and other materials.
"Supporter enrollment fee" means the recurring or annual fee payable to Peopls Inc. for an active Supporter enrollment under these Terms, as described in the Service (not a payment to other Users for Power signals).
"Gratitude Post" means thank-you content posted by Story creators.
"Observer" means a User who does not have an active Supporter enrollment.
"Enrollment revenue" means amounts received by Peopls Inc. from Supporter enrollment fees before allocation to creators under these Terms.
"Platform Fee" means the percentage retained by Peopls from approved Story payouts and other eligible withdrawals as described in these Terms.
"Power signal" (shown in-app as Power / "P") means an in-app participation signal available to Users that Peopls Inc. (Delaware PBC) may consider, together with verification, moderation, safety, policy, and operational review, when evaluating Story eligibility and payout requests. Observer and Supporter Power are shown separately for transparency. A Power signal is not a charitable donation from the sending User to the author.
"Supporter" means a User with an active Supporter enrollment with Peopls Inc. under these Terms.
"User Content" means any Content submitted by Users to the Service.
"Verification" means identity confirmation through document submission.

3. Eligibility Requirements

3.1 Age Requirement

You must be at least 18 years old to use the Service. By using the Service, you represent and warrant that you are at least 18 years of age.

3.2 Legal Capacity

You must have the legal capacity to enter into binding contracts in your jurisdiction. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization.

3.3 Geographic Restrictions

The Service is intended for use in the United States. Users outside the U.S. may access the Service but are responsible for compliance with local laws. We make no representations that the Service is appropriate or available in other locations.

3.4 Prohibited Users

You may not use the Service if you:

Are a resident of a country subject to U.S. sanctions
Are on any U.S. government prohibited party list
Have been previously banned from the Service
Are prohibited by law from receiving financial services

3.5 Verification for Story Creators

To create a Story and receive funds, you must complete our identity verification process, which may include government-issued ID submission and selfie verification.

4. Account Registration and Security

4.1 Account Creation

To access certain features, you must create an Account. You agree to provide accurate, current, and complete information during registration and to update such information as necessary.

4.2 Account Security

You are responsible for:

Maintaining the confidentiality of your login credentials
All activities that occur under your Account
Immediately notifying us of any unauthorized access or security breach
Using strong, unique passwords

4.3 Account Restrictions

You may not:

Create multiple Accounts for the same person
Share Account credentials with others
Transfer or sell your Account
Use another User's Account without permission
Create Accounts using false or misleading information

4.4 Account Verification

We may require additional verification at any time to ensure Account security or regulatory compliance. Failure to complete verification may result in limited functionality or Account suspension.

4.5 Account Data

We collect and process Account data as described in our Privacy Policy. By creating an Account, you consent to such processing.

5. Description of Service

5.1 Platform Overview

Peopls is a community platform for Stories (video and media posts with stated goals). Users receive Boosts for visibility and Power in the app as participation signals only. Optional Supporter enrollment with Peopls Inc. is described in these Terms and in the Service. Observer and Supporter signals may be shown separately for transparency (analytics). Story eligibility, allocations, and payouts are decided only by Peopls Inc. (Delaware PBC) under these Terms. Peopls Inc. is a for-profit Public Benefit Corporation; the Service is not a registered 501(c)(3) charity.

5.2 Public Benefit Corporation Status

Peopls Inc. is organized as a Delaware Public Benefit Corporation. We balance shareholder interests with stakeholders affected by our conduct. We operate the Service as a technology and content platform; Supporter enrollment fees are payments to Peopls Inc., not tax-deductible charitable contributions.

5.3 Observers and Supporters

Observers: Users without active Supporter enrollment receive 10 free Boosts per month and 10 Power signals per month under current product rules. Boosts increase Story visibility and do not move money. Observer Power is shown separately in the app for transparency.
Supporters: Users with active Supporter enrollment receive 10 free Boosts per month and 10 Power signals per month under current product rules. Supporter Power is shown separately in the app for transparency. Enrollment fees are payable to Peopls Inc. as described in these Terms; enrollment does not guarantee any Story completion or payout outcome.

5.4 Stories

Verified Users may create Stories subject to eligibility, moderation, and applicable law. Stories describe needs and goals; author distributions are made by Peopls according to these Terms, not as peer-to-peer transfers from voters to creators.

5.5 Gratitude Posts

Story creators who receive support may post Gratitude Posts to thank their supporters.

5.6 Service Availability

We strive to maintain Service availability but do not guarantee uninterrupted access. We may modify, suspend, or discontinue any aspect of the Service at any time without liability.

5.7 Third-Party Services

The Service integrates with third-party services (payment processors, cloud storage, etc.). Your use of such services is subject to their respective terms.

6. Supporter Enrollment, Power Signals, and Payouts

6.1 Enrollment model

Supporter enrollment fees are paid to Peopls Inc. for Supporter enrollment under these Terms. Fees are not charitable donations and are not held in a separate nonprofit entity. Peopls uses enrollment revenue to operate the Service and, according to published rules, for author distributions under these Terms.

6.2 Power signals

Power is available to users under current product rules. Observers and Supporters each receive 10 Power signals per billing month under current product rules. Casting a Power signal records a community signal that Peopls may consider, together with verification, moderation, safety, policy, and operational review, when determining Story eligibility, discretionary allocations, completion decisions, and payout review outcomes. Observer and Supporter Power are shown separately in the app for transparency. Power signals do not themselves transfer money to a creator, do not by themselves create a payout entitlement, and do not guarantee Story completion or payout. Power signals reset monthly per plan or product terms.

6.3 Boosts

Observers and Supporters receive 10 free Boosts per month (unless otherwise stated). Boosts increase Story visibility in the feed but do not allocate money. Boosts reset monthly.

6.4 Nature of Supporter enrollment fees

Supporter enrollment fees are:

Paid to Peopls Inc. under these Terms when you complete optional Supporter enrollment in the Service (including any payment step presented as part of that enrollment)
Non-refundable except where required by law or stated in our refund policy
Not tax-deductible (Peopls Inc. is not a 501(c)(3) organization)
Used for platform operations and author distributions as described in these Terms

6.5 No Guarantee of Use

You acknowledge that:

Creators are responsible for their use of payouts once disbursed
Peopls does not guarantee outcomes described in Story pages
Supporter enrollment is accepted at your own risk subject to these Terms

6.6 Payment Processing

Payments are processed by Peopls-designated payment processors (for example, Stripe) through channels described in the Service and these Terms.

6.7 Unused Power signals

If you do not use all Power signals before the end of a monthly period, unused signals may expire, reset, or otherwise be handled as described in-app and in product policies. No cash refunds are provided for unused Power signals unless required by law.

6.8 Discretionary allocations

Peopls may make discretionary Story allocations and payout decisions based on engagement signals, verification, moderation, safety, policy, and operational needs. Timing and amounts are determined by Peopls in its reasonable discretion.

6.9 Story payouts

Withdrawal rules in Section 21 apply to creator balances for eligible completed Stories. Story payouts are reviewed and processed according to these Terms and applicable platform policies.

7. Story Creation and Management

7.1 Eligibility to Create Stories

To create a Story, you must:

Have a verified Account with completed identity verification
Provide accurate personal information
Have a profile bio of at least 100 characters
Accept these Terms and Community Guidelines
Not have any active violations or pending investigations

7.2 Story Requirements

All Stories must:

Have a truthful, accurate description of the need
Set a reasonable declared funding target for potential creator distributions (minimum and maximum limits apply)
Include authentic media (photos/videos) that accurately represent the situation
Comply with all applicable laws and regulations
Not misrepresent facts or deceive other Users

7.3 Story Moderation

All Stories with video content undergo moderation before publication
We may approve, reject, or request modifications to any Story
We may remove published Stories that violate these Terms
Moderation decisions are at our sole discretion
We are not obligated to provide reasons for rejection

7.4 Story Creator Responsibilities

As a Story creator, you:

Are solely responsible for the accuracy of Story information
Must use funds Peopls has disbursed to you in a manner consistent with the stated Story purpose
Must comply with all tax reporting requirements
Must not create fraudulent or misleading Stories
Agree to post Gratitude content upon successful funding (optional but encouraged)

7.5 Prohibited Stories

The following Story types are strictly prohibited:

Illegal activities, products, or services
Weapons, ammunition, explosives, or related items
Controlled substances, drugs, or drug paraphernalia
Gambling, lotteries, or games of chance
Pornographic, obscene, or sexually explicit content
Hate speech, discrimination, or harassment
Political campaigns or lobbying activities
Pyramid schemes, MLM, or "get rich quick" schemes
Stories that infringe third-party intellectual property
Stories benefiting sanctioned individuals or entities
Medical treatments not approved by relevant authorities
Any content that violates applicable laws

7.6 Early Story Closure

You may close your Story at any time before reaching your story goal:

To close your Story, use the "Close story" option in your Profile
You can only close a Story that has received at least one vote
Closing is irreversible — your Story cannot be reopened
Upon closure, your Story stops receiving new Power signals and moves out of active status

7.7 Effect of Early Closure

When you close a Story early:

The Story stops accepting new votes
You may request payout for eligible funds (subject to minimum payout threshold and the 120-day policy)
The 5% Platform Fee still applies to approved Story payouts
You are encouraged (but not required) to post a Gratitude update explaining the closure

7.8 Reasons for Early Closure

Common legitimate reasons for early closure include:

Your need has been met through other means
Circumstances have changed and funds are no longer needed
You wish to redirect support to others in greater need
The Story goal was set too high

You are not required to provide a reason for closing, but transparency with your supporters is encouraged.

8. Payouts and Withdrawals

8.1 Eligibility for Payouts

To receive funds from your Story, you must:

Have a verified Account with completed identity verification
Provide valid banking information or payment account
Have an eligible Story payout amount approved or allocated by Peopls
Reach the minimum payout threshold
Not have any pending violations or investigations
Comply with all applicable tax requirements

8.2 Platform Fee

Peopls retains a 5% Platform Fee from approved Story payouts and other eligible withdrawals to cover operational costs, payment processing, fraud prevention, and platform maintenance. This fee is deducted from the gross amount before payout to the verified Account holder.

8.3 Payment Processing Fees

Additional payment processing fees may apply depending on your chosen payout method. These fees are set by third-party payment processors and are not controlled by Peopls.

8.4 Payout Timeline

Standard payouts are processed within 3-5 business days
First-time payouts may require additional verification (up to 14 days)
We reserve the right to delay payouts for fraud investigation
Payouts are made to the verified Account holder only

8.5 Holds and Delays

We may place holds on payouts if:

We suspect fraudulent activity
The Story is under investigation
Required information is incomplete
We receive complaints about the Story
Legal or regulatory requirements demand it

8.6 Tax Responsibilities

You are solely responsible for:

Reporting all funds received as income (if applicable)
Paying all applicable federal, state, and local taxes
Maintaining accurate records of funds received
Providing valid tax identification information (SSN/EIN)

We may issue IRS Form 1099-K or other tax documents as required by law.

9. User Content and Conduct

9.1 User Content License

By submitting Content to the Service, you grant Peopls a non-exclusive, worldwide, royalty-free, sublicensable, transferable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such Content in connection with operating and promoting the Service.

9.2 Content Ownership

You retain ownership of your User Content. However, you represent and warrant that:

You own or have rights to all Content you submit
Your Content does not infringe any third-party rights
Your Content complies with these Terms and applicable laws

9.3 Content Standards

User Content must NOT:

Be false, misleading, or deceptive
Infringe intellectual property rights (copyright, trademark, etc.)
Violate privacy or publicity rights
Contain defamatory, libelous, or slanderous material
Include hate speech, threats, or harassment
Contain obscene, pornographic, or sexually explicit material
Promote violence, illegal activities, or self-harm
Include malware, viruses, or harmful code
Violate any applicable law or regulation

9.4 Content Removal

We reserve the right to remove any Content that violates these Terms without prior notice. We are not obligated to monitor all Content but may do so at our discretion.

9.5 Prohibited Conduct

You agree NOT to:

Violate any applicable law, regulation, or third-party rights
Use the Service for any illegal or unauthorized purpose
Impersonate any person or entity
Provide false or misleading information
Engage in fraud, money laundering, or terrorist financing
Harass, abuse, or harm other Users
Spam, phish, or send unsolicited communications
Attempt to gain unauthorized access to accounts or systems
Interfere with or disrupt the Service or servers
Use bots, scrapers, or automated systems without permission
Circumvent security measures or access restrictions
Collect User information without consent
Create multiple accounts to evade restrictions or abuse the system
Manipulate votes, engagement, or Story rankings

10. Intellectual Property Rights

10.1 Peopls Intellectual Property

The Service, including its original content, features, functionality, design, logos, trademarks, and trade dress, is owned by Peopls Inc. and protected by U.S. and international copyright, trademark, patent, trade secret, and other intellectual property laws.

10.2 Restrictions

You may NOT:

Copy, modify, or create derivative works of the Service
Reverse engineer, decompile, or disassemble any part of the Service
Remove or alter any copyright, trademark, or proprietary notices
Use our trademarks without prior written permission
Frame or mirror any part of the Service
Use the Service to develop competing products

10.3 Feedback

If you provide feedback, suggestions, or ideas about the Service, you grant us the right to use such feedback without compensation or attribution.

10.4 DMCA Notice

If you believe your copyrighted work has been infringed, please send a notice to our designated Copyright Agent at: info@peopls.app

Your notice must include:

Your physical or electronic signature
Identification of the copyrighted work
Identification of the infringing material and its location
Your contact information
A statement of good faith belief
A statement of accuracy under penalty of perjury

11. Privacy and Data Protection

11.1 Privacy Policy

Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

11.2 Data Collection

By using the Service, you consent to the collection, processing, and storage of your personal data as described in our Privacy Policy, including:

Account information (name, email, phone)
Identity verification documents
Payment and transaction information
Device and usage data
Location data (with your permission)

11.3 Data Security

We implement reasonable security measures to protect your data. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

11.4 California Residents (CCPA)

California residents have specific rights regarding their personal information. Please refer to our Privacy Policy for details on how to exercise these rights.

11.5 International Users

If you access the Service from outside the United States, you consent to the transfer of your data to the U.S., which may have different data protection laws than your country.

12. Disclaimers

12.1 "AS IS" Basis

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

12.2 No Guarantee

WE DO NOT WARRANT THAT:

The Service will be uninterrupted, secure, or error-free
Results obtained will be accurate or reliable
Any errors will be corrected
The Service will meet your requirements

12.3 Story Disclaimers

WE DO NOT GUARANTEE:

The accuracy, truthfulness, or completeness of Story information
That Story creators will use funds as stated
The success or outcome of any Story
The identity or legitimacy of any User

12.4 Third-Party Content

We are not responsible for third-party content, including User Content, external links, or third-party services integrated with the Service.

12.5 Assumption of Risk

You acknowledge that:

Participating in Stories or using the Service involves risk
You may not receive goods, services, or outcomes promised by Story creators
Supporter enrollment fees are paid to Peopls Inc. under these Terms (not as peer-to-peer payments to other Users). Story-related funds are handled only through Peopls's withdrawal and allocation program described in these Terms, not as private contracts between Users outside that program

SOME JURISDICTIONS DO NOT ALLOW DISCLAIMER OF IMPLIED WARRANTIES. IN SUCH JURISDICTIONS, THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU.

13. Limitation of Liability

13.1 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PEOPLS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR:

ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES
ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES
ANY DAMAGES RESULTING FROM SERVICE INTERRUPTION, UNAUTHORIZED ACCESS, OR DATA LOSS
ANY DAMAGES ARISING FROM THIRD-PARTY CONDUCT OR CONTENT
ANY DAMAGES EXCEEDING THE AMOUNTS YOU PAID TO PEOPLS IN THE 12 MONTHS PRECEDING THE CLAIM

13.2 Cap on Liability

OUR TOTAL CUMULATIVE LIABILITY SHALL NOT EXCEED THE GREATER OF:

ONE HUNDRED U.S. DOLLARS ($100), OR
THE TOTAL AMOUNT YOU PAID TO PEOPLS IN THE 12 MONTHS PRECEDING THE CLAIM

13.3 Basis of the Bargain

THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF PEOPLS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13.4 Essential Purpose

THE PARTIES AGREE THAT THESE LIMITATIONS ARE ESSENTIAL TO THE AGREEMENT AND THAT PEOPLS WOULD NOT ENTER INTO THIS AGREEMENT WITHOUT THEM.

SOME JURISDICTIONS DO NOT ALLOW LIMITATION OF LIABILITY FOR CERTAIN DAMAGES. IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

14. Indemnification

14.1 Your Indemnification Obligation

You agree to indemnify, defend, and hold harmless Peopls Inc., its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, demands, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

Your use of or access to the Service
Your violation of these Terms
Your violation of any applicable law or regulation
Your violation of any third-party rights
Your User Content
Your Story or use of received funds
Any misrepresentation made by you
Any dispute between you and another User

14.2 Defense and Settlement

We reserve the right to assume exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense. You may not settle any claim without our prior written consent.

14.3 Notice

We will provide you reasonable notice of any claim subject to indemnification, and you agree to cooperate with all reasonable requests in our defense.

15. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

15.1 Informal Resolution Required

Before filing any arbitration or legal action, you MUST first contact us at info@peopls.app and attempt to resolve the dispute informally for at least 60 days. Your notice must include your name, Account email, a description of the dispute, and the relief you seek. We will try to resolve the dispute in good faith. This requirement must be satisfied before commencing arbitration.

15.2 Binding Arbitration Agreement

If informal resolution fails, any dispute arising out of or relating to these Terms, the Service, your Account, Stories, Supporter enrollment fees, payouts, or any aspect of your relationship with Peopls shall be resolved by BINDING INDIVIDUAL ARBITRATION rather than in court.

The Federal Arbitration Act governs this agreement. The arbitrator has exclusive authority to resolve disputes about the interpretation, applicability, or enforceability of this arbitration agreement.

Nothing in this Section limits any non-waivable rights you may have under mandatory consumer protection laws of your country or state of residence, where applicable.

15.3 CLASS ACTION AND JURY TRIAL WAIVER

YOU AND PEOPLS AGREE THAT:

ALL DISPUTES MUST BE RESOLVED ON AN INDIVIDUAL BASIS
YOU WAIVE YOUR RIGHT TO A JURY TRIAL
YOU WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS, CLASS ARBITRATIONS, COLLECTIVE ACTIONS, OR REPRESENTATIVE ACTIONS
THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OR PRESIDE OVER ANY CLASS OR REPRESENTATIVE PROCEEDING

15.4 Arbitration Rules and Procedures

Arbitration shall be administered by JAMS under its Streamlined Arbitration Rules (or Consumer Arbitration Rules if applicable). The arbitration shall take place in San Francisco County, California, or remotely via video/phone at our mutual option.

Filing fees and arbitrator compensation will be governed by JAMS rules. For claims under $10,000, we will pay all filing fees and arbitrator costs. For claims over $10,000, costs will be allocated per JAMS rules.

15.5 Mass Arbitration

If 25 or more similar arbitration demands are filed against Peopls, special Mass Arbitration procedures apply. See Section 24 for details.

15.6 Time Limitation

Claims must be filed within ONE (1) YEAR of when the claim arose. See Section 23 for details.

15.7 Small Claims Exception

Either party may bring an individual action in small claims court for disputes within that court's jurisdiction, provided the action remains individual and is not removed to a different court.

15.8 Injunctive Relief

Either party may seek injunctive or other equitable relief in court for intellectual property infringement or to protect confidential information, without waiving arbitration rights for other claims.

15.9 Opt-Out Right

You may opt out of this arbitration agreement within 30 days of first accepting these Terms by sending written notice to: Peopls Inc., Attn: Arbitration Opt-Out, 16192 Coastal Highway, Lewes, DE 19958, or by email to info@peopls.app with subject line "Arbitration Opt-Out". Your notice must include your name, Account email, and a clear statement of your intent to opt out. If you opt out, you may still bring claims in court in San Francisco, California.

15.10 Confidentiality

All arbitration proceedings, including any settlement offers or amounts, are confidential unless disclosure is required by law or to enforce the arbitration award.

15.11 Governing Law

These Terms are governed by the laws of the State of California, USA, without regard to conflict of law principles.

15.12 Venue

For disputes not subject to arbitration, you consent to exclusive jurisdiction and venue in the state and federal courts located in San Francisco County, California.

15.13 Severability

If any part of this arbitration agreement is found unenforceable, the remaining provisions continue in effect. If the class action waiver is found unenforceable for a particular claim, that claim (and only that claim) may proceed in court.

16. Termination

16.1 Termination by You

You may terminate your Account at any time by:

Using the account deletion feature in Settings
Contacting us at info@peopls.app

Account termination does not affect any rights or obligations accrued before termination.

16.2 Termination by Peopls

We may suspend or terminate your Account immediately, without prior notice, if:

You violate these Terms
We suspect fraudulent, illegal, or abusive activity
We receive valid legal demands requiring termination
You pose a security risk to the Service or other Users
Your Account remains inactive for an extended period
Continued operation of your Account would violate applicable law

16.3 Effect of Termination

Upon termination:

Your right to access and use the Service immediately ceases
We may delete your Account data (subject to legal retention requirements)
Any pending payouts may be withheld pending investigation
Unused Boosts and Power signals are forfeited
You remain liable for any obligations incurred before termination

16.4 Survival

The following sections survive termination: Definitions, Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, Dispute Resolution, and any other provisions that by their nature should survive.

17. General Provisions

17.1 Entire Agreement

These Terms, together with our Privacy Policy and Community Guidelines, constitute the entire agreement between you and Peopls regarding the Service and supersede all prior agreements.

17.2 Severability

If any provision of these Terms is found invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17.3 No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

17.4 Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.

17.5 Notices

We may provide notices via email, in-app notification, or posting on the Service. You may send notices to: info@peopls.app

17.6 Force Majeure

Neither party shall be liable for delays or failures due to circumstances beyond reasonable control, including natural disasters, war, terrorism, riots, government actions, pandemics, or internet/power outages.

17.7 Relationship of Parties

Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between you and Peopls.

17.8 Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights.

17.9 Export Compliance

You agree to comply with all applicable U.S. export laws and regulations.

17.10 Government Users

If you are a U.S. government entity, the Service is provided with "restricted rights" as defined in applicable regulations.

18. Mobile Services and Communications

18.1 Mobile Services

The Service includes features available via mobile devices, including the ability to upload content, browse Stories, and access features through our mobile application. Your wireless carrier's standard charges, data rates, and other fees may apply.

18.2 Push Notifications

By using the Service, you agree that we may send push notifications to your device regarding:

Story updates and milestones
Votes and support received
Account and security alerts
Service announcements

You may disable push notifications in your device settings at any time.

18.3 SMS/Text Messages

If you provide your phone number for Account verification or enable SMS notifications, you agree to receive automated and non-automated text messages from Peopls. Message frequency varies. Message and data rates may apply.

To opt out of SMS messages:

Reply STOP to any message
Disable in your Account settings
Contact info@peopls.app

Note: You cannot opt out of security-related SMS messages (such as verification codes) while maintaining an active Account.

18.4 Email Communications

By creating an Account, you consent to receive:

Transactional emails (receipts, confirmations, Account updates)
Service-related announcements
Marketing communications (which you may opt out of)

18.5 Phone Number Changes

If you change or deactivate your phone number, you must promptly update your Account information to prevent messages from being sent to the new holder of your old number.

19. Mobile Distribution (Apple App Store and Google Play)

19.1 Apple — Acknowledgment

If you are using our mobile application on an Apple device ("Apple-Enabled Software"), you acknowledge that these Terms are between you and Peopls only, not with Apple Inc. ("Apple"). Peopls, not Apple, is solely responsible for the Apple-Enabled Software and its content.

19.2 Apple — Scope of License

Your license to use the Apple-Enabled Software is limited to a non-transferable license to use the application on any Apple device that you own or control, as permitted by the Usage Rules set forth in the Apple App Store Terms of Service.

19.3 Apple — Maintenance and Support

Apple has no obligation to provide any maintenance or support services with respect to the Apple-Enabled Software. Peopls is solely responsible for any such services.

19.4 Apple — Warranty

Apple has no warranty obligation with respect to the Apple-Enabled Software. Any claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty are Peopls' sole responsibility, to the extent it cannot be disclaimed under applicable law.

19.5 Apple — Product Claims

Peopls, not Apple, is responsible for addressing any claims relating to the Apple-Enabled Software or your use of it, including but not limited to:

Product liability claims
Claims that the software fails to conform to legal or regulatory requirements
Claims arising under consumer protection or similar legislation

19.6 Apple — Intellectual Property Claims

In the event of any third-party claim that the Apple-Enabled Software infringes that third party's intellectual property rights, Peopls, not Apple, is solely responsible for the investigation, defense, settlement, and discharge of such claims.

19.7 Apple — Legal Compliance

You represent and warrant that:

You are not located in a country subject to a U.S. Government embargo
You are not listed on any U.S. Government prohibited or restricted parties list

19.8 Apple — Third-Party Beneficiary

You acknowledge and agree that Apple and its subsidiaries are third-party beneficiaries of these Terms with respect to the Apple-Enabled Software. Upon your acceptance of these Terms, Apple has the right to enforce these Terms against you as a third-party beneficiary.

19.9 Google Play — Acknowledgment

If you obtained the App through Google Play, you acknowledge that these Terms are solely between you and Peopls, not with Google LLC ("Google"). Your use of Google Play may also be subject to the Google Play Terms of Service. Google is not responsible for the App, its content, or support; questions and claims should be directed to Peopls at info@peopls.app.

19.10 Google Play — Third-Party Beneficiary

To the extent required by Google Play's policies, Google and its affiliates are third-party beneficiaries of these Terms solely as they relate to your use of the App obtained through Google Play and may enforce these Terms as third-party beneficiaries.

19.11 Contact for Store-Distributed Apps

Any questions, complaints, or claims regarding the mobile application should be directed to:

Peopls Inc.

Email: info@peopls.app

20. Chargebacks, Returns, and Disputes

20.1 Chargeback Policy

If a payer disputes a Supporter enrollment fee charge with their bank or card issuer ("Chargeback"), the following applies:

We will cooperate with payment processors to investigate the dispute
Funds may be held or reversed pending resolution
We may provide transaction records to defend against illegitimate chargebacks
Users who initiate chargebacks may lose eligibility for any platform guarantees

20.2 Defending Chargebacks

We will defend chargebacks in the following circumstances:

The enrollment fee was properly authorized
The user received the Supporter enrollment described at billing
The chargeback reason is inconsistent with the enrollment transaction that was completed

20.3 Impact on Story Creators

If a chargeback is successful:

The disputed amount will be deducted from your available funds
If insufficient funds exist, your Account may have a negative balance
Repeated chargebacks may result in Account suspension

20.4 No Refunds Policy

Supporter enrollment fees are generally non-refundable because:

Fees are paid to Peopls Inc. under the published enrollment terms and for Service operations
Amounts may already have been allocated toward operations or author distributions
This is stated clearly before you confirm Supporter enrollment billing

20.5 Exceptions

Refunds may be issued at our sole discretion in cases of:

Unauthorized transactions (fraud)
Technical errors resulting in incorrect charges
Legal requirements
Story creator misconduct (verified fraud)

20.6 Dispute Resolution with Other Users

Any disputes between you and other Users are solely between those parties. Peopls is not obligated to mediate or resolve such disputes but may do so at our discretion.

21. Story Payout Request Requirements

21.1 Withdrawal Timeframe

Story creators must request payout of eligible funds within ONE HUNDRED TWENTY (120) DAYS from the date Peopls marks those funds as available for payout. Our payment processors cannot hold funds indefinitely.

21.2 Consequences of Non-Withdrawal

If you do not request payout of eligible funds within 120 days:

Funds may be subject to escheatment under applicable state unclaimed property laws
We may attempt to contact you via email and in-app notification before taking action
Escheated funds must be claimed through the appropriate government authority
We are not liable for funds that are escheated due to your inaction

21.3 Inactive Accounts

If your Account remains inactive (no logins, no activity) for an extended period:

We may send reminders about available funds
We may close the Account after reasonable notice
Unclaimed funds will be handled according to applicable law

21.4 Minimum Payout Amount

A minimum payout threshold may apply. If your eligible Story payout amount is below the minimum:

You may wait for additional approved allocation or eligibility review until you reach the threshold, OR
Contact support for alternative arrangements

21.5 Banking Information

You are responsible for:

Providing accurate banking information
Updating information if it changes
Any fees charged by your bank for receiving transfers
Tax reporting of received funds

22. Content Moderation and Reporting

22.1 Our Approach to Moderation

We use a combination of:

Automated systems (filters, AI-assisted detection)
Human review by trained moderators
User reports and community feedback

22.2 Story Review

All Stories undergo review before publication. We may:

Approve Stories that meet our guidelines
Request modifications or additional information
Reject Stories that violate our Terms
Remove previously approved Stories if violations are discovered

22.3 Reporting Violations

If you believe any content violates our Terms:

Use the "Report" button available on all Stories and profiles
Email info@peopls.app with details
Include the Story URL and description of the violation

We will investigate all reports and take appropriate action, which may include:

Content removal
Account warnings
Account suspension or termination
Reporting to law enforcement (for illegal activity)

22.4 Appeals Process

If your Story or Account is suspended:

You will receive notification with the reason
You may appeal by emailing info@peopls.app within 30 days
Include relevant information supporting your appeal
We will review and respond within 10 business days
Our decision on appeal is final

22.5 No Obligation to Monitor

While we reserve the right to review and remove content, we are not obligated to monitor all content on the Service. Users are responsible for their own content.

22.6 Cooperation with Authorities

We may disclose User information and content to law enforcement or government authorities when:

Required by valid legal process
Necessary to protect safety or prevent harm
Investigating potential fraud or illegal activity

23. Time Limitation on Claims

23.1 One-Year Limitation Period

YOU AGREE THAT ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, THE PLATFORM, OR THESE TERMS MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE.

23.2 Consequences of Delay

ANY CLAIM NOT FILED WITHIN THIS ONE-YEAR PERIOD SHALL BE PERMANENTLY BARRED AND WAIVED. This means neither you nor Peopls will have the right to assert such claim after the limitation period expires.

23.3 Applicability

This limitation applies to all claims, including but not limited to:

Contract claims
Tort claims (negligence, fraud, etc.)
Statutory claims
Claims related to Stories, Supporter enrollment fees, or payouts

23.4 Exceptions

This limitation does not apply where prohibited by applicable law. Some jurisdictions do not allow limitations on certain types of claims.

23.5 Discovery Rule

The limitation period begins when the claim or cause of action accrues, meaning when you knew or reasonably should have known of the facts giving rise to the claim.

24. Mass Arbitration Procedures

24.1 Definition of Mass Arbitration

"Mass Arbitration" occurs when 25 or more similar arbitration demands are filed against Peopls within a 60-day period, where claimants are represented by the same or coordinated counsel.

24.2 Batching Procedure

In the event of Mass Arbitration:

Claims will be grouped into batches of no more than 25 demands per batch
Initial batches will include claims selected by both parties (50% each)
Remaining claims will be stayed pending resolution of initial batches
No arbitration fees will be assessed for stayed claims

24.3 Global Mediation

Before proceeding with additional batches:

Parties will participate in a global mediation session
If mediation succeeds, all claims may be resolved
If mediation fails, the batching process continues

24.4 Tolling of Limitations

Statute of limitations and filing deadlines are tolled (paused) for stayed claims from the time they are filed until they are selected for arbitration or otherwise resolved.

24.5 Individual Basis Only

Mass Arbitration procedures do NOT authorize class, collective, or representative arbitration. All claims remain individual claims.

24.6 Cooperation Required

You agree to cooperate in good faith with the implementation of these Mass Arbitration procedures, including reasonable steps to minimize time and costs.

25. Peopls Support Commitment

25.1 Our Commitment

As a Public Benefit Corporation, Peopls is committed to:

Operating transparently and ethically
Protecting our community from fraud and misuse
Processing author distributions in line with these Terms when possible
Providing fair and responsive customer support

25.2 Fraud Prevention

We actively work to prevent fraud through:

Identity verification for Story creators
Story review and monitoring
Suspicious activity detection
Community reporting mechanisms

25.3 When Issues Arise

If you believe a Story is fraudulent or funds were misused:

Report immediately via the app or email
We will investigate promptly
We may freeze funds pending investigation
Appropriate action will be taken based on findings

25.4 Limitations

While we strive to protect our community:

We cannot guarantee all Stories are legitimate
We cannot guarantee funds will be used as stated
We are not liable for Story creator misconduct
Users participate in Stories and use the Service at their own risk

25.5 No Guarantee of Outcomes

We do not guarantee:

Any specific amount will be approved, allocated, or paid
That Story goals will be met
That Story creators will deliver on promises
Any particular payout outcome from Power signals or enrollment revenue allocation

Your enrollment as a Supporter is voluntary and subject to these Terms.

26. Contact Information

For questions, concerns, or notices regarding these Terms:

Peopls Inc.

A Delaware Public Benefit Corporation

General Inquiries: info@peopls.app

Legal Matters: info@peopls.app

Disputes & Arbitration: info@peopls.app

Content Reports: info@peopls.app

Appeals: info@peopls.app

Security Issues: info@peopls.app

Mailing Address:

Peopls Inc.

Attn: Legal Department

16192 Coastal Highway

Lewes, DE 19958

United States

For Arbitration Opt-Out Notices:

Peopls Inc.

Attn: Arbitration Opt-Out

16192 Coastal Highway

Lewes, DE 19958

United States