Terms of Service

1. The Service

MajorPaid provides non-recourse invoice factoring services to independent content creators and influencers (“Creators”) in the United States and Canada. We purchase your accounts receivable — specifically, the right to collect payment from a brand under a signed sponsorship or content agreement (“Contract”) — in exchange for paying you an advance equal to the contract amount minus our fee. This is a sale of your receivable, not a loan, and does not create a debt obligation on your part.

2. Eligibility

• You must be at least 18 years of age.
• You must be a resident of the United States or Canada.
• You must have a valid government-issued ID and pass our identity verification process.
• You must have a signed, enforceable agreement with the brand for whom the invoice is being factored.
• You must own or control the social media channel(s) associated with the deliverables in the Contract.

3. Account Registration

You must provide accurate and complete information when creating an account. You are responsible for keeping your login credentials secure. You may not share your account with others or create accounts on behalf of someone else without authorization. We reserve the right to suspend or terminate accounts that contain false information or that we believe are being used fraudulently.

4. Deal Submission and Verification

When you submit a deal, you authorize us to:

• Verify your identity using third-party KYC services.
• Verify ownership of your social media channels.
• Analyze the uploaded Contract for authenticity, completeness, and consistency.
• Assess the creditworthiness of the brand named in the Contract using commercial credit and business intelligence tools.
• Contact the brand to confirm the transaction and collect payment.

We may approve, decline, or request additional information for any deal submission at our sole discretion. Approval of one deal does not guarantee approval of future deals.

5. Creator Representations and Warranties

By submitting a deal, you represent and warrant that:

• The Contract you uploaded is genuine, unaltered, and legally enforceable.
• You have fully delivered — or have a firm, verifiable schedule to deliver — all deliverables required under the Contract.
• The receivable has not been previously sold, assigned, or pledged to any other party.
• There are no disputes, claims, offsets, or defenses that would reduce the brand's obligation to pay the full contract amount.
• You have the legal right and authority to assign the receivable to us.
• All information provided in your application is accurate and complete.

You agree to notify us immediately if any of the above representations become inaccurate after submission.

6. The Factoring Transaction

Upon approval, the factoring transaction is governed by a separate Non-Recourse Receivable Purchase Agreement that you will sign electronically. That agreement, together with these Terms, constitutes the full agreement between you and MajorPaid for each deal. Key economic terms — including the factoring fee, net payout amount, payment timeline, and payment method — will be displayed and confirmed before you sign.

The factoring fee is calculated as a percentage of the gross contract value. The specific rate is determined by the contract payment term (Net 30, 60, or 90) and is disclosed before you commit. A minimum fee applies regardless of deal size. Fees are non-refundable once the advance has been disbursed.

7. Non-Recourse

Our factoring is non-recourse. This means that if the brand fails to pay us after we have purchased your receivable, we bear that loss — not you. You will not be required to repay the advance. Non-recourse protection does not apply if your representations and warranties are false or materially incomplete, or if a brand's non-payment results directly from your failure to deliver the agreed-upon work.

8. Prohibited Uses

You agree not to:

• Submit fraudulent, altered, or fabricated contracts.
• Submit a receivable you have already assigned to another party.
• Use the platform for any unlawful purpose, including money laundering or fraud.
• Interfere with the platform's technical operation, including automated scraping or reverse engineering.
• Impersonate another person or misrepresent your identity or channel ownership.

9. Intellectual Property

You retain ownership of your content and brand deal creative work. You grant us a limited, non-exclusive license to use your name, handle, and deal summary for internal processing and, with your consent, in anonymized form for marketing or case studies. We will not publicly identify you by name in marketing materials without your written permission.

10. Termination

You may close your account at any time by contacting us at hello@MajorPaid.com. Active deals cannot be canceled once the advance has been disbursed. We may suspend or terminate your access to the platform for violation of these Terms, fraudulent activity, or as required by law.

11. Disclaimers

THE PLATFORM IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF SECURITY VULNERABILITIES. YOUR USE OF THE PLATFORM IS AT YOUR OWN RISK.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MAJORPAID SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, ARISING FROM YOUR USE OF OR INABILITY TO USE THE PLATFORM. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF THESE TERMS SHALL NOT EXCEED THE FEES YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM.

13. Governing Law and Disputes

These Terms are governed by the laws of the State of Wyoming, United States, without regard to its conflict-of-law principles. Any dispute arising under these Terms shall be resolved by binding arbitration administered in Wyoming under the rules of the American Arbitration Association, on an individual (non-class) basis. Canadian users are subject to this provision to the extent permitted by applicable law.

14. Changes to These Terms

We may update these Terms at any time. Material changes will be communicated to your registered email address at least 14 days before they take effect. Continued use of the platform after the effective date constitutes acceptance of the updated Terms.

15. Contact

MajorPaid Capital, Inc.
Wyoming, United States
hello@MajorPaid.com