Creator Agreement

Last updated: 18 June 2026

This Agreement (together with our Terms of Service, Privacy Policy, Refund Policy, and other terms we ask you to accept) sets out the terms on which KantoPay ("KantoPay", "we", "us", "our") may purchase and resell the digital goods you produce, and provide you a Creator Portal to upload materials we use on web properties ("Webstores") we own to promote them. By signing up as a Creator you accept this Agreement.

1. Information about us

We are ___, a corporation organised under the laws of the Republic of the Philippines (DTI Business Name Reg. No. ___), with registered office at ___ and TIN ___. Our site, all Webstores, and all payment processes are operated by us. Contact: [email protected].

2. Access to the Services

Once we approve your application you have access until this Agreement is terminated (clause 8). We may refuse any application, and may suspend or cancel your access at any time at our discretion. Except where we do so for your breach (in which case no funds are released), any cleared, undisputed amounts due to you (clause 6) will be paid out.

3. Our relationship — licence and the buy-sell

• You grant us a restricted, revocable, worldwide licence to use your name, logo, trademarks and other content ("Assets") to promote your servers and the Digital Goods we buy from you, on KantoPay Webstores and other sales channels only.
• You offer to sell us the Digital Goods you produce, with any necessary use licences, at a pre-agreed Trade Price (clause 6), and authorise us to distribute them at our discretion to any Buyer.
• "Digital Goods" means digitally created products (in-game ranks, items, cosmetics, currency, mods, maps, plugins, gift cards and similar), including the use licences for them, as purchased and resold by us.
• For the avoidance of doubt, when we sell Digital Goods we have purchased from you, no contract is formed between you and the Buyer. All sale contracts are between us and the Buyer. You will not invoice or demand payment from any Buyer.

4. Your responsibilities and warranties

• You represent and warrant that all Assets and Digital Goods you provide are accurate; that you own or are legally authorised to sell each item to us; that they comply with our Acceptable Use Policy, are fit for purpose and do not infringe any third-party rights.
• We are responsible for sale, fulfilment, and support to Buyers; but as the original creator you agree to provide incidental support free of charge when we direct a Buyer to you, via a monitored channel, responding within 72 hours.
• You will provide accurate details for each Digital Good (name, Recommended Retail Price ("RRP"), description, the commands/instructions needed to fulfil it in-game) and disclose any required discounts/sales, which must be fair and compliant with the Consumer Act (RA 7394).
• You will not upload anything illegal, misleading, defamatory, obscene or infringing. If you can no longer supply or support a Digital Good, notify us and withdraw it immediately.
• You sell us Digital Goods on a "sale or return" basis: we may return any unsold/unused item for a refund of the Trade Price. If a sale cannot complete (technical failure, outage, force majeure), no sale has occurred and we may return the goods.
• You will withdraw available funds from your KantoPay Wallet within a reasonable time, not exceeding 12 months, after which our Inactive Balance Policy applies.

5. Our responsibilities

• We operate a Webstore featuring your Assets and Digital Goods, advertise them, and directly sell them to Buyers (on our Webstore and other channels), processing payments and handling tax (clause 6).
• We purchase from you at our sole discretion, with no minimum quantities, and are not obliged to use all your goods/Assets. Creator-Portal access gives you no ownership of the Webstore.
• We take responsibility for fulfilment, chargebacks and support as Seller / Merchant of Record.
• We provide periodic reports and, unless you tell us otherwise, issue a Creator statement/self-billed document on your behalf, with payment added to your KantoPay Wallet within ___ days, withdrawable to your GCash or Philippine bank account.
• As the merchant we may sell at any price we choose (including below RRP, or bundled); in all cases we pay you the Trade Price, less deductions under clause 6.

6. Trade Price, tax, deductions and your Balance

• Trade Price = RRP − our margin. Unless otherwise agreed the margin is 5% ("KantoPay Margin").
• Sales tax. KantoPay is currently a non-VAT-registered business (below the VAT-registration threshold), so no 12% VAT is added to the Buyer's price. As a non-VAT business we instead pay the 3% percentage tax on our gross sales, which is reflected in the deductions used to calculate your Trade Price (see your Creator Portal). If our gross sales cross the VAT threshold (₱3,000,000) and we register for VAT, we will then add 12% VAT on top of the RRP so it is borne by the Buyer and remit it to the BIR (NIRC, as amended, incl. RA 12023), on notice under clause 12.
• You contribute to payment-processing costs per the table in your Creator Portal; where a transaction includes goods from multiple Creators, your contribution applies only to your portion.
• We may deduct from amounts due to you: the cost of honouring your required promotions; refunds you recommend plus an admin fee of ₱20 (no admin fee applies where the dispute is the Buyer's fault, not your breach); and, where a chargeback results from your breach or act/omission (clause 7), the Trade Price of the disputed goods plus the admin fee.
• Withholding tax: if we are required to withhold creditable tax on amounts we pay you, we will withhold and remit it and issue you the corresponding BIR Form 2307. You remain responsible for your own income tax and registration.
• Risk deposit: we may retain a portion of amounts due (a "Deposit") as risk mitigation, reviewed at least monthly and reduced once we are satisfied risk has fallen.

Amounts owed to you (your "Balance").

• (a) What we owe you. When we buy a Digital Good from you and it is sold to a Buyer, we owe you the Trade Price for that Digital Good, calculated and adjusted under this clause 6. The total of all amounts then due to you, less any deductions and amounts withheld under this Agreement, is your "Balance." Your Balance is a record of a debt we owe you for goods purchased. It is not a deposit, electronic money, stored value or a payment account; it does not earn interest; and it may not be transferred, assigned or used to pay any other person.
• (b) When an amount becomes payable. An amount is added to your Balance only once the underlying sale to the Buyer has settled and cleared in full. If a sale does not settle, or is reversed, refunded, charged back or returned (including under the sale-or-return terms in clause 4), the corresponding amount is removed from your Balance, and if we have already paid it we may recover it under paragraph (f). Before an amount becomes available for withdrawal, we apply a clearing and screening period (the "Hold Period") — ordinarily up to about 14 days (typically around two weeks) from when the Buyer's payment is captured. This period lets us screen the payout for fraud, sanctions and financial-crime risk under paragraph (d) and net any refund, reversal or chargeback that surfaces against the corresponding Balance before it leaves to your account. During the Hold Period your funds are only delayed, not forfeited. The actual length varies with the verification tier applying to your account under paragraph (c) (the entry tier carries a longer hold and the fully verified tier the shortest), and we may extend it, or apply a reasonable reserve, for new, unverified or higher-risk accounts or where screening or a pending dispute requires it. The Hold Period is a near-term screening measure only: it does not limit our right under paragraph (f) to recover an amount where a refund, reversal or chargeback (in particular a card-network chargeback, which a Buyer's bank may raise up to roughly 120 days, and in limited cases substantially longer, after the transaction) is made after the amount has already been paid out to you.
• (c) Verification tiers and withdrawal. You may withdraw available amounts from your Balance to a GCash or Philippine bank account that you own, subject to the verification tier applying to your account. The withdrawal limit and the applicable Hold Period (the clearing and screening period under paragraph (b)) for each tier are set out in your Creator Portal, and by way of example comprise: an entry tier (identity unverified) with a low cap and a hold longer than the ordinary period in paragraph (b); an identity-verified tier (government ID and selfie) with a higher cap and a shorter hold; and a fully verified tier (identity plus BIR registration) with no cap and the shortest hold. Each withdrawal you request is also subject to verification and screening under paragraph (d) before it is processed, which may add a short additional processing time. We may change the tiers and their limits on notice under clause 12.
• (d) Verification, screening and controls. As a condition of holding a Balance or receiving any payout, we and our verification, payment and screening partners may at any time ask you for information to identify you (including your name, address, date of birth, government identification, taxpayer identification number, and source of funds), require you to confirm or correct it, and verify it against third-party databases. We may do this, at our discretion and as part of our risk and fraud controls, to verify your identity, to prevent fraud, financial crime and sanctions breaches, to screen you and your payout account against sanctions, watch-list and politically-exposed-person data, and to meet our own and our payment partners' legal and contractual requirements (including the requirements of our BSP-licensed payment partners). We and our partners may restrict, delay, hold, place reserves on, suspend, reverse or refuse any payout, or limit or close your account, where we cannot obtain or verify this information, where you or your payout account appear on any sanctions or watch list, or where we reasonably suspect fraud, sanctions exposure or other unlawful activity, or where required by our payment partners or applicable law. These are risk-management measures: nothing in this Agreement makes KantoPay a bank, money service business, electronic-money issuer, operator of a payment system or other entity regulated under the Anti-Money Laundering Act (RA 9160, as amended), and we do not act as such. That you received a payout previously does not entitle you to receive one later.
• (e) Set-off. We may at any time set off against your Balance any amount you owe us or that we are entitled to deduct under this Agreement, including our margin, taxes, payment-processing contributions, refunds, chargebacks arising from your breach or act/omission, admin fees, and any Deposit or reserve held under this clause 6.
• (f) Negative balance and recovery. If deductions, refunds, chargebacks or reversals exceed your Balance (for example, a chargeback that lands after you have withdrawn), your Balance may become negative, and the shortfall is a debt immediately due from you to us. We may recover it by deducting from future amounts owed, by invoicing you (payable within 14 days), and/or by charging interest at 1.5% per month on overdue amounts. We may also recover any payout made to you in error or later found to result from fraud or your breach.
• (g) Unwithdrawn and inactive amounts. You must withdraw available amounts within a reasonable time, not exceeding 12 months. If your account is not verified to a tier that permits withdrawal, amounts remain owed to you but are not payable until you complete the required verification. Amounts left unwithdrawn beyond 24 months, or that remain unpayable because you have not completed verification within 6 months, are dealt with under our Inactive Balance Policy. We give at least 60 days' written notice to your last-known contact before treating an account as dormant, and a verified Creator's earned Balance remains payable on demand and is not forfeited for inactivity alone — the underlying debt is extinguished only by prescription under Article 1144 of the Civil Code (10 years). By contrast, an account that never completes the required identity verification (KYC) cannot lawfully be paid out, and we may hold and — after the dormancy period and notice — forfeit or otherwise deal with any balance on an unverified account, in particular where verification cannot be completed or the account raises fraud, sanctions or financial-crime concerns.
• (h) Termination. On termination, your cleared and undisputed Balance is paid out under clause 8, except that where we terminate for your breach no amount is released. We may withhold payment of your Balance for up to 60 days after termination to cover post-termination chargebacks and refunds. All amounts are denominated and paid in Philippine pesos.

7. Disputes and chargebacks

"Dispute" means any mechanism by which a Buyer contests a purchase (card chargebacks, e-wallet disputes, scheme arbitration, etc.). As all sale contracts are between us and the Buyer, we are responsible for Disputes. However, where a Dispute results from your breach or act/omission (e.g. breach of clause 4, telling a Buyer to dispute, or failing to provide support), you reimburse us the Trade Price of the affected goods plus the admin fee (clause 6), and will assist us in resolving it. For apparent fraud we may refund and return the goods to you for a refund of the Trade Price. We may decline to sell very high-risk goods unless you indemnify us against Dispute costs.

8. Termination

You may terminate by written request (we aim to action within 48 hours); cleared amounts due are paid out. We may terminate at our discretion on written notice; except for your breach (no funds released), cleared amounts due are paid out. On any termination we may withhold funds for up to 60 days to cover post-termination chargebacks.

9. Processing buyer data

This clause governs how we and you process Buyers' personal data under the Data Privacy Act of 2012 (RA 10173), its IRR, and NPC issuances. We are the Personal Information Controller; you are a Personal Information Processor for any Buyer data we make available to you (e.g. player name, in-game recipient, items purchased). You process it only on our documented instructions, and only to fulfil the order, prevent fraud, and provide support for that specific transaction. In particular, you must not use Buyer contact details to send marketing, promotional messages, or newsletters unless the Buyer has given you explicit, verifiable consent directly to you; and you must not sell, rent, publish, or otherwise share Buyer data with any third party. You also: implement appropriate security; restrict access to authorised personnel under confidentiality; do not engage sub-processors without our prior written consent; notify us within 24 hours of any suspected or actual personal-data breach; assist us with NPC notification and data-subject rights; promptly delete a Buyer's data from your own records and game servers when we notify you that the Buyer has exercised their right to deletion; do not transfer Buyer data outside the Philippines without our consent and adequate safeguards; and securely delete or return the data on our request. Misuse of Buyer data may result in immediate suspension or permanent termination of your account and the withholding of pending payouts, in addition to your indemnity to us for any resulting losses and any remedy available under the Data Privacy Act. This clause survives termination.

10. Authority and entire agreement

You must have legal capacity, be at least 18, and have authority to bind any business you act for. This Agreement and the documents it refers to are the entire agreement and supersede prior understandings.

11. Forming the contract

You apply for access via our site or by email. After we accept your application (by confirmation email), a contract is formed.

12. Variations

We may vary these terms by posting updated terms on our site and/or emailing you; check the "last updated" date. If you do not agree to a change, you may terminate under clause 8.

13. Your account and use

We provide the Creator Portal and a Creator Account. You will not upload illegal or infringing material; reverse-engineer, copy or modify the Service; remove our notices; use the Service unlawfully, disrupt it, or send spam. All Digital Goods for in-game use must comply with the relevant game's EULA. Keep your credentials confidential and notify us of any compromise; do not transfer your account without our written consent, nor misuse any Buyer email addresses.

14. Our provision of the Services

We use reasonable efforts to keep the Service available; interruptions may occur and do not entitle you to a refund or compensation. We are not obliged to provide content and may remove or vary it.

15. Licence and intellectual property

All intellectual property in our site, the Services and content we provide is and remains ours. We grant you a limited, non-exclusive, revocable licence to use the Service solely to supply Digital Goods/Assets and review reports for the term. You may not assign or sub-licence it, reverse-engineer our code, or misuse our trademarks.

16. Liability

Nothing limits liability that cannot be limited under Philippine law (e.g. death/personal injury from negligence, or fraud). Subject to that, we are not liable for loss of profits, sales, business, revenue, data, opportunity, savings or goodwill, or any indirect/consequential loss; and our total liability to you will not exceed the amounts we paid you in the 3 months before the claim, or ₱___, whichever is greater. You remain solely responsible for your own legal duties regarding the Digital Goods and Assets. Except as expressly stated, we give no warranties and exclude implied ones to the fullest extent permitted by law.

17. Indemnity

You indemnify us against all liabilities, costs, taxes, penalties and losses arising from your breach or negligent performance of these terms; any claim that your Assets/Digital Goods infringe a third party's rights; or any claim by a third party arising from the Digital Goods you sold us.

18. Communications

"In writing" includes email. Notices may be delivered personally, by registered post/courier, or by email to the addresses on record (ours: ___ / [email protected]). Email notices are deemed received one business day after sending.

19. Confidential information

Non-personal, non-financial material you send us is treated as non-confidential, and you grant us an irrevocable licence to use it; we will not publicise that you submitted it except with your permission or as required by law.

20. Other terms

We may assign our rights/obligations; you may not without our written consent. No third party may enforce this Agreement. If any clause is unenforceable, the rest stands; a delay in enforcing a right is not a waiver. These terms are governed by the laws of the Republic of the Philippines, and the parties submit to the exclusive jurisdiction of the proper courts of the city where KantoPay maintains its principal place of business, to the exclusion of all other venues, or to arbitration under the ADR Act (RA 9285). Nothing in this clause limits any right a Buyer who is a consumer has to bring an action in the venue allowed by Philippine consumer-protection law. Electronic acceptance and records are valid under the E-Commerce Act (RA 8792).

21. Prohibited Digital Goods

You may only supply Digital Goods that you're entitled to sell and that comply with this Agreement, our Acceptable Use Policy, and the terms, EULA and rules of the relevant game or platform. You must not supply — and we may immediately remove and refuse to pay for — any Digital Good that:

• (a) breaches the EULA, terms or rules of the game or platform it relates to, or helps anyone else do so;
• (b) is or enables cheats, hacks, exploits, botting, automation or other tools the game or platform prohibits;
• (c) is or facilitates gambling, wagering, loot-box or chance-based mechanics regulated or prohibited under Philippine law (including PAGCOR rules) or applicable foreign law;
• (d) is in-game currency, accounts, items or assets obtained through real-money trading, gold-farming, fraud, account theft, chargebacks or other unauthorised or unlawful means, or that the game or platform hasn't authorised you to sell; or
• (e) is illegal, infringing, counterfeit, stolen, misleading, obscene or defamatory.

You warrant that each Digital Good complies with this clause and indemnify us under clause 17 for any breach. If a Digital Good stops complying, tell us and withdraw it immediately.

22. IP complaints, takedown and repeat infringers

If we receive a complaint that a Digital Good or Asset you supplied infringes someone's rights, breaches a game or platform's EULA, or otherwise breaches this Agreement, we may immediately remove or disable it and suspend related sales, with or without prior notice. Where practicable we'll tell you about the complaint, and you may respond in writing explaining why the material should be reinstated; we may reinstate it if we're reasonably satisfied the complaint is unfounded. You'll help us resolve any such complaint and indemnify us under clause 17. We may suspend or terminate any Creator who repeatedly supplies infringing or non-compliant Digital Goods or Assets.

23. Sanctions, financial crime and lawful use

You represent, warrant and undertake on a continuing basis that: you are not, and are not owned or controlled by or acting for, any person subject to sanctions administered by the United Nations, the Philippines (including the Anti-Terrorism Council and the AMLC), OFAC, the EU, the UK or other relevant authority, and are not located in a comprehensively sanctioned jurisdiction; the funds and Digital Goods involved in your use of the Services are not the proceeds of, and are not used to facilitate, money laundering, terrorist financing, fraud or other unlawful activity; and you will not use the Services to launder funds, finance terrorism or evade sanctions. You'll provide the information we reasonably request so that we can prevent fraud, financial crime and sanctions breaches and meet our own and our payment partners' legal and contractual requirements, including the requirements of our BSP-licensed payment partners and applicable sanctions law. These are contractual risk and fraud controls: KantoPay operates as a reseller / merchant of record and is not a covered person under the Anti-Money Laundering Act (RA 9160, as amended), and nothing in this Agreement is, or should be read as, KantoPay performing a statutory anti-money-laundering duty. This clause survives termination.

24. Anti-bribery and corruption

You'll comply with all applicable anti-bribery and anti-corruption laws, including the Anti-Graft and Corrupt Practices Act (RA 3019) and any other anti-bribery laws that apply to you (such as the UK Bribery Act 2010 or the US Foreign Corrupt Practices Act). You will not offer, give, request or accept any bribe, kickback or other improper payment in connection with this Agreement, and will tell us if anyone asks you for one. Breaching this clause is a material breach and lets us terminate immediately under clause 8.

25. Records and audit

You'll keep accurate records of the Digital Goods you supply, your compliance with this Agreement, and your tax and regulatory obligations, for at least 10 years. On reasonable notice we may ask for copies of, or audit, those records to check your compliance (including tax, fraud-prevention/sanctions and intellectual-property requirements). You'll give reasonable cooperation, and we won't use this right more than is reasonably necessary.

26. Force majeure

Neither party is liable for any failure or delay in performing its obligations (other than paying money already due) to the extent caused by events beyond its reasonable control — including acts of God, natural disaster, fire, flood, epidemic or pandemic, war, terrorism, civil unrest, government action, change in law, failure of telecoms, internet, hosting, payment or banking infrastructure, power outage, cyber-attack, or the acts or omissions of third-party suppliers (a "Force Majeure Event"). The affected party will notify the other as soon as reasonably practicable and use reasonable efforts to mitigate. If a Force Majeure Event continues for more than 60 days, either party may terminate on written notice, and your cleared, undisputed amounts due are paid out under clause 8. An interruption caused by a Force Majeure Event does not entitle you to any refund or compensation.

27. Survival

Termination or expiry doesn't affect any rights, obligations or liabilities already accrued. The following survive termination: clause 6 (to the extent of accrued amounts), including the Amounts owed to you (Balance) provisions (set-off, negative-balance recovery and clawback); clause 7 (Disputes and chargebacks); clause 9 (Processing buyer data); clause 15 (Intellectual property); clause 16 (Liability); clause 17 (Indemnity); clause 19 (Confidential information); the Prohibited Digital Goods clause; the Sanctions, financial crime and lawful use clause; and clause 20 (governing law and disputes) — together with any clause that by its nature is meant to survive.

28. Definitions

In this Agreement: "Assets" means your name, logo, trademarks and other content licensed to us under clause 3; "Balance" means the amounts we owe you for Digital Goods purchased, as described in the Amounts owed to you (Balance) provisions in clause 6; "Buyer" means a person who buys a Digital Good from us; "Digital Goods" means the digitally created products you produce (in-game ranks, items, cosmetics, currency, mods, maps, plugins, gift cards and similar), with their use licences, as bought and resold by us; "Dispute" has the meaning in clause 7; "Force Majeure Event" has the meaning in clause 26; "Hold Period" means the period an amount may be held before becoming available to withdraw; "KantoPay Margin" means our margin under clause 6; "RRP" means the Recommended Retail Price you set for a Digital Good; "Settled Balance" means the part of your Balance from sales that have settled and cleared in full and is available to withdraw under your Verification Tier, net of holds, deductions and reserves; "Trade Price" means RRP less the KantoPay Margin, calculated under clause 6; "Verification Tier" means the level of identity and business verification you've completed, which sets your withdrawal limit and Hold Period per your Creator Portal; "Webstore" means a website or sales channel we own on which we promote and sell Digital Goods.

29. Contact

Questions about this Agreement: [email protected].