Terms of Service

These terms govern the use of the creavu platform, operated by Michal Schneedorfer, company ID (IČO) 19667302, registered at 381 01 Český Krumlov, Czech Republic ("we", "creavu"). You can reach us at support@creavu.co.

The Czech version of these terms is binding. This English text is a translation provided for convenience; where the two differ, the Czech version applies.

This is a working draft written to describe precisely what the product does. It has not yet been reviewed by a lawyer qualified in Czech and EU law.

1. What creavu is and who is who

creavu is an online marketplace in the sense of consumer-protection law: creators publish their digital content here, and we sell it to you in our own name, on the creator's account (a commission arrangement under the Civil Code). The creator makes the content, sets the price and stays responsible for what is in it; we take the payment, deliver access and keep a commission.

We are the seller. When you buy something, your purchase contract is with us, creavu. The content itself is the creator's: they made it, they describe it, they own it and license it, and they are the one to ask about what is in it. Who the creator is, you see before paying, on the page after paying, in the access email and on their page, always with their name and contact address.

We charge your card and issue the receipt. Your card is charged by creavu through Stripe; your statement shows creavu together with the creator's name. The receipt comes from us, and so does any tax document.

Questions about the content (what it contains, how to use it, whether it matched its description) go to the creator first. Refunds, withdrawals and disputes are ours to handle. The procedure is in section 9.

2. What we guarantee and what we do not

We do not review content. We do not inspect, approve or verify the posts creators publish, and we do not guarantee their accuracy, quality, completeness, lawfulness, fitness for your purpose or the results they promise. A training plan, a meal plan, a course, advice about money or law is the creator's work; it is not professional advice from us and does not replace a doctor, a nutritionist, a financial adviser or a lawyer. You use it at your own risk. We also cannot promise that a creator keeps adding to a membership or answers a question. What we do promise is what the law asks of a seller: if content does not match its description or does not work, section 9 says how we put it right, and we settle it with the creator.

What we do stand behind. That payment is processed through Stripe and that after a successful payment you get access to what you bought. If the payment went through and access does not appear, contact us and we will put it right.

Stripe. Payments are processed by Stripe on our account, and the creator's share of every sale is passed to the creator's Stripe account. Card details never reach our servers. Stripe's own terms for users apply alongside these; creators additionally accept the Stripe Connected Account Agreement. Stripe may delay, block or reverse a creator's payout under its own rules; we are not responsible for those decisions. Creator identity is verified by Stripe, not by us, and we do not warrant it to buyers.

3. Definitions

• Creator: a user who publishes posts on creavu, for a price or for free.
• Buyer: anyone who buys a post or pays for a membership, whether they have an account or paid with just an email address.
• Post: one page of a creator's content, with its text, images, video and downloadable files, sold as a whole.
• Page: a creator's public page on creavu, where their posts and membership are offered.
• Membership: a monthly subscription to one creator that opens the posts the creator includes in it, for as long as it runs.
• Sign-in code: a one-time numeric code we email you, which signs you in to your account.

4. Who may use creavu

You must be able to enter into a binding contract.

Selling is open only to people aged 18 or over who are entrepreneurs or otherwise entitled to receive payment for what they sell, and who have completed verification with Stripe. You can sell from the Czech Republic, from a country that uses the euro, or from the United States, wherever we offer it. The country you choose when setting up payouts cannot be changed afterwards. It suggests the currency of your page; you may choose another currency we offer instead.

Buying is open to people aged 18 or over. Anyone under 18 may buy only with the consent of a legal guardian; the guardian approves and is responsible for such a purchase. We do not verify age and rely on the declaration you make by paying or signing up. Creators may not aim paid content at children.

5. Accounts

Google. Signing in with Google creates an account. You are responsible for the security of your Google account.

The account a purchase creates. No registration is needed to buy; an email address is enough. Once the payment goes through, we create an account for your address that the purchase belongs to. Without it the purchase would have no owner and you could not get back to it. This account holds nothing but your address, your language and your purchases; we do not use it for marketing and we describe it openly in the privacy policy. The same address at a later purchase, membership or Google sign-in always leads to this one account. Reading a free post needs no account and creates none.

Sign-in code. You open the account with a code we email you, right after paying and at any later time from the login page. A code is valid for a few minutes and only once; we limit how many codes we send to one address and how many attempts we accept. The code is a key: never forward it, and we will never ask you for it by phone or chat.

Passkey. On a device that supports it you can add a passkey and sign in with your face, fingerprint or device PIN instead of a code. The passkey stays on your device; we keep only its public key.

The address is your responsibility. A purchase belongs to the address that paid. If you enter an address you cannot access, an account is created that you cannot open, and we cannot move the purchase to another address. Check the address before paying.

You can close your account at any time (section 16).

6. Buying a post

What you buy. Digital content delivered immediately after payment: access to the post, its files, and video played on creavu. Nothing is shipped. What exactly you get is described by the creator on the post; that description is part of your contract.

Delivery. You get access as soon as the payment goes through, immediately in the browser and by email with a sign-in code. If the payment went through and access does not appear, contact us: that is our fault, not the creator's.

Price and currency. Prices are in the currency of the creator's page, Czech koruna, euro or US dollar, and are final: what you see is what you pay, and any tax we are obliged to charge is inside it. If you pay with a card held in another currency, the conversion and its fees are set by your bank. We are not a VAT payer today; if that changes, prices stay final and the document we send you shows the VAT.

One purchase per address. A post bought by one address cannot be bought again by the same address; the checkout tells you and sends you to sign in.

7. Memberships

What a membership is. A monthly subscription to one creator. While it runs you have access to the posts the creator includes in the membership, those that exist today and those they add later. A post with its own price that the creator does not include in the membership stays a separate purchase. What remains after a membership ends is only what you bought individually.

Payment. The price is charged to your card every month from the start date until you cancel. Before starting you confirm your consent to recurring payments; we record its wording and the moment. A membership can be started with an account or with just an email address; either way you manage it from your library after signing in.

Cancelling. You can cancel at any time from your library with one click. Access continues to the end of the period already paid for; no further payment is taken. We do not refund the remainder of a running period, except under the right of withdrawal in section 8.

Failed payment. When a payment for the next period fails, Stripe retries it several times. You can change your card in your library. When the payment finally fails, the membership ends and access to membership content ceases. What you bought individually stays with you.

Price changes. A creator may change the membership price for new members. Your price does not change for as long as your membership runs.

When the creator stops. If the creator ends the membership or closes their page, your membership ends at the close of the paid period and is not charged again.

8. Withdrawal and defects

Right of withdrawal for a post. Under the Civil Code you would normally have 14 days to withdraw from a contract concluded at a distance. For digital content not supplied on a physical medium, that right lapses when delivery begins, but only if you expressly consented to immediate delivery and acknowledged that you thereby lose the right of withdrawal (Section 1837(l) of the Civil Code). That is exactly what the checkbox at checkout is for: "I want the files delivered right away and understand that I lose the 14-day right of withdrawal once they are." It is unchecked by default, payment is impossible without it, and we record the moment it was ticked along with the version of the terms shown to you. The confirmation email repeats it.

Right of withdrawal for a membership. A membership is a service supplied continuously, so the right to withdraw within 14 days of starting remains. If you withdraw within that period you pay only a proportionate part of the price for the days the membership ran, and we refund the rest. Send the withdrawal by email to us; a clear statement is enough, no form is needed. After 14 days you cancel under section 7.

Defective content. If the content does not match its description, does not work, or lacks what was promised, you have the rights the Civil Code gives a consumer against the seller (remedy, a reasonable discount, or withdrawal), and you have them against us, because we sold it to you. Claim under section 9; we settle it with the creator, who is responsible to us for the content.

9. Complaints, refunds and disputes

Step 1, the creator. For a question about the content (what it contains, how to use it, whether something is missing) contact the creator first: their contact address is shown with your purchase and on their page. Most things are settled there, and the creator must answer within 14 days.

Step 2, us. For a refund, a withdrawal, a complaint the creator did not settle within 14 days, or a creator you cannot reach, write to us at support@creavu.co with your order number. We are the seller, so the decision is ours: we settle a complaint within 30 days as the law requires, and in clear cases (content not delivered, plainly not as described, creator unreachable) we refund the payment. What we refund, we recover from the creator.

What a refund does. A refunded payment means the end of access: we remove the refunded post from your library. The same applies when you dispute the payment with your bank (a chargeback). Anyone who downloads content and then disputes the payment may lose their account.

How much comes back. A full refund is the full price you paid; a partial refund is the part we agreed with you. It goes back to the card you paid with.

Bank disputes. A dispute run through the card scheme is decided by the scheme, not by us. We respect its decision.

About the platform (account, sign-in, payment went through but access is missing) write to us directly.

10. What you may do with what you bought

A purchase gives you a personal, non-transferable licence to use the content for your own needs. You may read, watch, listen and download files for yourself, repeatedly and without time limit, for as long as we operate creavu.

You may not resell, share or publish the content, forward downloaded files, record streamed video, share your sign-in code or account access, perform the content publicly, or derive your own work from it for sale. Copyright stays with the creator. A breach is a breach of your contract with the creator and of these terms, and may lead to account closure.

For how long. Purchased posts remain yours for as long as we operate creavu; the creator cannot take them away by deleting them or closing their page. If we were to shut the service down we would tell you in advance and give you a reasonable period to download your files. Video played on creavu cannot be downloaded and would end with the service. Membership access ends with the membership.

11. For creators: content and licence

Your content is yours. Publishing on creavu transfers neither ownership nor copyright.

What you allow us to do. You grant us a non-exclusive, worldwide licence to store and host the content, convert it into formats suitable for playback and display (video transcoding, image resizing, which strips embedded metadata including location from photos), cache it, show the previews and teasers you yourself mark as public, deliver the content to people who bought it or hold a membership, and reference it in emails about a purchase. We do not use content to train artificial intelligence or for anything else.

What survives. When you delete a post or close your page, it stops being offered. Buyers keep what they paid for, so the licence continues solely to the extent needed to keep already-purchased posts reaching the people who bought them. You may remove a file from a post or change its text; buyers then see the post as it is, and you bear the responsibility for not taking from them what you sold.

What you warrant. That you hold all rights and licences to the content, including music, photos and fonts used in it. That the content breaks no law and no one's rights, and contains no other people's personal data without their consent. That content described as a plan, guide or advice carries the warnings such content requires (for training and diet, for example: consult a doctor). That you do not sell as a professional service anything that requires a licence you do not hold. If anyone raises a claim against us because of your content, you will compensate us for the resulting loss and costs.

12. What you may not sell, and how we handle reports

Prohibited content. Content you do not hold rights to. Content unlawful in the Czech Republic or the EU. Sexual or adult content of any kind, including nudity, erotica and pornography. Anything on Stripe's list of restricted businesses, because Stripe processes every payment. Content inciting violence or hatred against a group. Malware. Other people's personal data. Misleading content: promised results you cannot substantiate, impersonation. Anything that requires a licence you do not hold: financial, medical or legal advice offered as a regulated professional service. Physical goods and services performed off the platform do not belong in this product.

Reports. Anyone can report a page or a post with the Report link on the page or by email to support@creavu.co. We assess reports; rights holders state what is infringed and why.

What we may do. Take a post down, suspend a page or close an account, immediately for an obvious breach, otherwise after assessment. We tell the creator what we did, unless the law forbids it, and the creator may object by email. Responsibility for content rests with the creator; we do not actively monitor it and are under no obligation to.

13. Commission, fees, payouts and set-off

Commission. We take a percentage of every sale, plus VAT where the law requires us to charge it. The rate that applies to you is shown during onboarding and again whenever you set a price on a post or a membership, so before publishing. We record it on every order; a rate change never applies to a sale already made. We may change the rate for future sales with notice.

Payment processing. On top of the commission we deduct a payment processing fee at a rate published for your page's currency: for Czech koruna and euro, Stripe's rate for European cards, currently 1.5 % plus 6.50 Kč or €0.25 per payment; for US dollars 4.5 % plus $0.30 per payment, which also covers settling the dollar payment and paying it out abroad; and 0.7 % more on membership payments in every currency. Cards that cost Stripe more than that cost you nothing extra; the difference is ours. The fees for running your connected account are ours too. Your net on every sale is the price less the commission and the processing fee, and that is the number your dashboard shows, sale by sale. We may change the published rate for future sales with notice.

Prices. You set prices in your page's currency. The lowest price for a post or a membership is 99 Kč, €3.99 or $4.99; below that the fixed part of payment processing would eat most of the sale.

Payouts go exclusively through Stripe. You complete onboarding and identity verification with Stripe yourself; every sale reaches your Stripe balance at once, becomes available seven days later, and Stripe pays out what is available to your bank account once a month, on the first day of the month. If your page's currency is not the currency of your payout country and you have no bank account in your page's currency with Stripe, Stripe converts each sale into the currency of your payout country as it reaches your balance and charges its conversion fee, currently 2 %, which is between you and Stripe. Which currencies Stripe lets you hold a bank account in is up to Stripe. Those seven days are the window in which a refund or a dispute can still be reversed against the sale. Until onboarding is complete you cannot publish paid posts. We never hold your money as a balance you would have to withdraw. Stripe may delay or block payouts under its rules; we cannot decide for Stripe.

Refunds and disputes. Because we sell in our own name, a refund and a bank dispute (chargeback), including the fees Stripe charges for it, are debited to us first. We then reverse the transfer for that sale from your Stripe balance; when it does not hold enough, we are entitled to set the amount off against your future sales, or to invoice it to you payable within 14 days. On a full refund we return our commission and keep the processing fee, which Stripe keeps from us as well; on a partial refund we reduce the commission proportionately.

Refunds we decide. In the cases described in section 9 the refund is our decision, not yours; every such refund is shown in your dashboard, and the amount is recovered as above.

Taxes and documents. We sell to buyers in our own name and on your account, so the buyer's receipt and any tax document to a buyer are issued by us. For your side, you agree that we issue the statement of your sales and payouts on your behalf (self-billing); it is in your dashboard, and it is the document you account for your income with. Taxation of that income, any VAT on your supply to us, and keeping your business in order remain your responsibility; we provide neither software nor advice for it.

14. A creator's duties towards buyers

You make the content, so you carry the duties that come with it. In particular: you describe truthfully what you sell, because we sell it under that description; you answer buyers' questions about the content within 14 days and help settle complaints; you keep your contact address current, because we show it to buyers; you use the buyer data you see in the dashboard only to fulfil their purchase and not for marketing unless you have your own legal basis for it; and you are responsible for your business being in order: trade licence, taxes, any VAT on your supply to us, and the information you must state about yourself. What we have to refund a buyer because of your content, we recover from you (section 13).

If you repeatedly breach these duties or do not respond to buyers, we may suspend your page.

15. Limits and content protection

Limits. Video up to 4 GB and 2 hours, 10 hours of video and 100 videos per creator in total; images up to 10 MB. We may change the limits. Uploads that no post uses after one day are deleted.

What protection can and cannot do. Files are served through short-lived signed links and video plays only for someone who paid. That stops a link being passed on; it does not stop screen recording or copying text, and it is not DRM. We are not liable for a leak caused by one of your buyers. On request we block the buyer's account.

16. Closing a page or an account

You. You can stop using creavu at any time and ask for your account to be erased. For a creator this means: posts stop being offered, running memberships end at the close of the paid period, and buyers keep what they paid for (section 11). Earned and not yet paid-out amounts are paid to you by Stripe under its rules, unless held back for disputes.

We. We may suspend or close an account that breaches these terms, is used unlawfully, or endangers other users or the platform. For a lesser breach we warn you first. The consequences for buyers and payouts are the same as above.

Ending the service. If we were to stop operating creavu, we would tell all users in advance and give buyers a reasonable time to download their files.

Closing an account does not undo sales already made and does not remove records we are obliged to keep; see the privacy policy.

17. Our liability

We provide creavu as it is. We do not promise that it will be available without interruption or free of errors, and we may change, limit or discontinue any part of it. Beyond what the law requires of a seller, we are not liable for a creator's content, for a creator failing to respond, for Stripe's decisions, for a loss of data or access caused by a third-party service we rely on, or for what a buyer does with what they bought.

Towards consumers nothing here limits the rights the law gives you.

Towards creators we are liable only for damage caused intentionally or by gross negligence, and otherwise up to the commission we received from you in the last 12 months. We are not liable for lost profit.

18. Changes, communication and versions

We record which version of the terms you accepted and when, at signup, at checkout, and at the moment you become a creator. The date of the current version is at the top of this page.

We announce a material change in advance, by email or in the app. If you disagree, you can close your account before the change takes effect; continuing to use creavu means the new version applies. A purchase already made is always governed by the version shown to you at the time.

We communicate by email to your account's address; that counts as written form. Write to us at support@creavu.co.

19. Governing law and disputes

These terms and the contracts concluded through creavu are governed by Czech law. If you are a consumer resident in another EU state, this does not deprive you of the protection of the mandatory rules of your own state.

If you are a consumer and a dispute with us or with a creator cannot be resolved, you may turn to the Czech Trade Inspection Authority (Česká obchodní inspekce, https://www.coi.cz), Central Inspectorate, ADR Department, Štěpánská 796/44, 110 00 Prague 1, as the body for out-of-court resolution of consumer disputes. The same authority supervises compliance with consumer rights.

For disputes with creators who are entrepreneurs, the courts of the Czech Republic have jurisdiction.

The Czech wording is binding.