Terms of Service

The short version

• Bingio gives creators a link where brands describe a campaign. An assistant gathers the details; it never quotes a price, never agrees to anything, and never negotiates for anyone.
• Bingio is free for creators. There is no subscription and nothing is charged to a creator; if we ever introduce a paid plan we will give notice first, and nothing is charged without the creator opting in.
• When a creator asks to be paid through Bingio, the brand pays Bingio. Bingio collects that payment as the creator's agent, applies its refund policy, decides a contested refund, and the brand's payment to Bingio settles what the brand owes the creator for that deal.
• The creator receives 100% of their rate. Bingio's 15% service fee is charged to the brand on top.
• The creator's money sits in the creator's own Stripe balance from the moment the brand pays. Bingio creates the payout after the brand approves the delivered work, or after the 72-hour review window passes with no answer, plus the creator's settlement delay. The schedule and Bingio's refund policy are in Section 5.
• Each side confirms the money terms for a deal before any money moves, and Bingio keeps a record of that confirmation.
• Creators and brands are each responsible for disclosing paid content as the law and each platform require.
• The service is for creators based in the United States for now. You must be 18 or older.
• These Terms are an agreement between you and Signature Labs. They are written in plain English on purpose; the full text below is what applies.

These Terms of Service ("Terms") govern your access to and use of Bingio, including the website at bingio.co, the creator dashboard, the brand intake assistant, deal conversations, payments and all related services (together, the "Service"). The Service is operated by Signature Labs, a Colorado limited liability company located in Boulder, Colorado ("Bingio," "we," "us" or "our").

By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service. If you use the Service on behalf of a company or another organization, you confirm that you have authority to bind it, and "you" means that organization too.

1. Overview of the Service

Bingio provides a partnerships assistant for content creators. Creators register an account, set up their partnership preferences (including private rate information and the terms they will and will not accept), and receive a public link they can share. Brands and other parties ("Brands") use that link to describe a campaign to an automated assistant that gathers the details on the creator's behalf. The Service screens, organizes and presents those inquiries to the creator, lets the creator and the Brand continue the conversation on Bingio, and, when the creator chooses, lets the creator request payment for an agreed deal through Bingio.

The assistant gathers information only. Bingio does not negotiate, broker, underwrite or agree to any deal on anyone's behalf. The assistant does not commit a creator to anything, does not quote pricing and does not bind any party. What a creator agrees to do for a Brand, and how the work is delivered, is between the creator and the Brand.

When a creator asks to be paid through Bingio, Bingio processes that payment as the merchant of record, and collects it as the creator's payment-collection agent, as described in Section 5. Bingio's role in a deal is limited to recording what the creator and the Brand agreed, collecting the Brand's payment, applying the payout schedule and refund policy in Section 5 (including deciding a contested refund), and paying the creator out.

2. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. The Service is not directed to children, and we do not knowingly collect information from anyone under 18.

Creators must be based in the United States for now. To receive payments, a creator must be eligible for a Stripe account in the United States and must complete Stripe's identity and bank-account requirements. We may open the Service to creators in other countries later; if we do, these Terms will say so.

Brands may be anywhere, subject to Stripe's rules and applicable sanctions and export laws. If you are in the European Economic Area, the United Kingdom or Switzerland, the Privacy Policy explains your data rights and how your information reaches the United States.

3. Accounts, Registration and Invitations

To use creator features, you must create an account using a supported sign-in method (such as Google sign-in or a passwordless email link). You agree to provide accurate, current and complete information and to keep it updated. You are responsible for everything done under your account and for keeping your sign-in method secure. Tell us promptly at support@bingio.co if you suspect unauthorized use.

Invitations. While Bingio is invitation-only, a new creator account can be created only with a valid invitation. Every creator receives an invitation link and code they may share with up to 5 people they choose; Bingio may give some invitations more uses, and may stop requiring invitations at any time. An invitation may not be sold, posted publicly or given to anyone the inviter does not know. How a creator joined (invited by Bingio, invited by another creator, or without an invitation) is one of the things Bingio uses to set the creator's standing under Section 5.11.

You may not share, sell or transfer your account. We may suspend or close accounts that violate these Terms.

4. Free for Creators

4.1 No charge to creators Bingio is free for creators. There is no subscription, no trial and no recurring charge, and a creator is never asked for a card to use the Service. The only money that moves through Bingio is a Brand's payment for a deal under Section 5, and the only fee is Bingio's 15% service fee charged to the Brand on top of the creator's rate.

4.2 If paid plans are introduced If we introduce a paid plan in the future, we will give creators clear notice of what it costs and what it includes before it takes effect. Nothing will be charged to a creator unless the creator opts in by starting that plan, and these Terms will be updated to describe it first.

4.3 Payment processing Payments are processed by a third-party payment processor (Stripe). Your use of payment features is subject to Stripe's terms and privacy policy. We do not store full payment-card or bank-account numbers on our servers.

5. Deal Payments Through Bingio

This Section covers a payment a Brand makes to a creator through Bingio for a deal: a payment request, or an "Accept & pay" link on a deal summary. The figures in this Section (the review window, response times, grace periods, the decision deadline, the default split) are the ones in force when these Terms were last updated; the confirmation each side sees before money moves (Section 5.3) shows the figures that apply to that deal.

5.1 Bingio is the merchant of record and the creator's payment-collection agent Bingio processes deal payments as the merchant of record, using Stripe. The Brand pays Bingio; the Brand's card statement shows Bingio; and Bingio pays the creator out through Stripe to the account the creator connected.

By requesting a payment through Bingio, the creator appoints Bingio as the creator's limited agent to collect that payment from the Brand on the creator's behalf, to apply the payout schedule and refund policy in this Section to it, and to decide any contested refund under Section 5.9. Bingio accepts that appointment. Bingio acts for the creator in collecting the payment; it does not act as a neutral third party between the Brand and the creator, and it does not hold money for the Brand.

A Brand's payment to Bingio satisfies the Brand's obligation to pay the creator for that deal, in full, when Bingio receives it, regardless of when Bingio later creates the creator's payout. The creator agrees not to seek that payment from the Brand again. By confirming the money terms before paying (Section 5.3), the Brand accepts the same payout schedule and refund policy, and accepts that Bingio decides a contested refund under Section 5.9.

5.2 Fees The creator receives 100% of their rate. Bingio's 15% service fee is charged to the Brand on top of the creator's rate; it is never deducted from the creator's rate. The Brand sees the creator's rate, Bingio's fee and the total before paying. Stripe's card-processing costs are Bingio's, not the creator's or the Brand's.

5.3 Each side confirms the money terms first Before a creator's first payment request under these Terms, and again whenever this Section changes, the creator is shown the terms that decide money (this payout schedule and refund policy, including Bingio's role in deciding a contested refund) and confirms them. Before a Brand pays, the Brand is shown the terms for that deal (what is being bought, the amount, the delivery date, the review window, the revisions included, how refunds and disagreements work, and Bingio's role) and confirms them. Bingio records each confirmation: when it was made, from which network address, which version of these Terms was shown and the exact wording. Those records are part of the deal record and may be used to resolve a disagreement or a card dispute.

5.4 The deal summary A payment request carries a deal summary: the deliverables, the creator's rate, the date the work is due, the number of revisions included, and any usage, exclusivity or other terms the creator wrote. When the Brand accepts and pays, that summary is the agreed deal. It is a record of what both sides agreed; it is not a contract Bingio drafted, and Bingio is not a party to the creator's performance of it.

5.5 Where the money sits When the Brand pays, Stripe moves the creator's full rate into the creator's own Stripe balance at once, and Bingio's fee comes back to Bingio. The creator's Stripe account is set to manual payouts, so the money stays in the creator's balance until Bingio creates the payout under the schedule below. Bingio does not hold the creator's money and does not hold money for the Brand; Bingio decides only when the payout is created, in accordance with this Section.

5.6 The payout schedule Bingio creates the creator's payout in these cases:

• The Brand approves the work. After the creator marks the work delivered, the Brand has a review window of 72 hours to approve, ask for changes or request a refund. When the Brand approves, the payout is created after the creator's settlement delay.
• The review window passes with no answer. If the Brand does not act within 72 hours of delivery (Bingio reminds the Brand twice), the work is treated as approved and the payout is created after the creator's settlement delay.
• A disagreement is decided in the creator's favor (Section 5.9).

The settlement delay is a number of days, from 0 up to 7, that Bingio sets for each creator based on their standing with Bingio (Section 5.11). The delay applies after approval and before the payout is created. It is not shown to Brands and does not change what the Brand owes.

A payout reaches the creator's bank on Stripe's normal timing after it is created. If a payout fails (for example, a closed bank account), Bingio tells the creator and retries once the creator has fixed the cause.

Unclaimed balances. If a payout cannot be completed because the creator's bank details are out of date or the creator does not respond to Bingio's messages, the money stays in the creator's own Stripe balance. Bingio will keep trying to reach the creator; Stripe's rules for inactive balances, and the unclaimed-property laws that apply to the creator, then govern what happens to it. Bingio does not take it.

Where a deal is paid in milestones, each milestone payment follows this schedule on its own.

5.7 Changes and revisions During the review window, the Brand may ask for changes within the number of revisions included in the deal summary. The creator redelivers, and a new 72-hour review window starts. Once the included revisions are used, the Brand may still approve or request a refund, but may not ask for further changes through Bingio.

5.8 Bingio's refund policy A refund is a return of the Brand's payment, in full or in part, to the card the Brand paid with. A refund returns the amount refunded to the Brand including Bingio's fee in proportion; Bingio's fee is not kept on a refunded amount. Refunds are issued by Bingio, on request, case by case. A Brand or a creator can also ask for a refund outside the cases below by writing to support@bingio.co. Creators cannot issue refunds themselves.

Refunds through the deal itself:

• The Brand requests a refund during the review window. The creator may agree, in which case Bingio refunds the Brand in full, or contest it (Section 5.9). The creator has 48 hours to answer a request made before delivery and 72 hours to answer one made after delivery. If the creator does not answer in time, Bingio refunds the Brand in full.
• The work is not delivered by the due date. From the due date, the Brand may request a refund and Bingio refunds it without waiting for the creator's answer. If nothing has been delivered 14 days after the due date, Bingio refunds the Brand in full on its own; both sides are told 3 days before.
• The Brand withdraws a refund request before it is decided, in which case the deal continues where it was.

5.9 Disagreements If the creator contests a refund request, each side has 5 days to add what it wants Bingio to see in the deal conversation. Bingio reads the deal record (the summary, the delivery, the conversation and the confirmations) and decides, within 14 days of the contest, one of three outcomes: the payout is created for the creator, the Brand is refunded in full, or the amount is split equally between them. If Bingio has not decided within 14 days, the amount is split equally. Bingio makes this decision as the creator's agent under Section 5.1 and under its own refund policy, and both sides accept it as the way a contested refund is settled through Bingio. The decision is about the payment only: it does not decide any other claim either side may have against the other, and it is not legal advice.

5.10 Card disputes (chargebacks) and reversals A Brand should ask for a refund through the deal or at support@bingio.co before disputing a charge with their card issuer. If a Brand disputes a charge with its card issuer, Bingio responds with the deal record. While the dispute is open, the creator's payout for that payment is not created, and Bingio pauses the creator's ability to request new payments until Bingio has reviewed what happened.

If a payment is refunded, or disputed with the card issuer and the dispute is lost, the creator's payout for that payment is reversed: in full for a full refund or a lost dispute, and in proportion for a partial refund. The reversal comes out of the creator's Stripe balance; if the balance is not enough, Stripe may recover the difference from the creator's future payouts or bank account, as Stripe's terms allow. Bingio bears the card issuer's dispute fee. By receiving payments through Bingio, a creator agrees to this.

5.11 Standing, limits and pauses Bingio sets, for each creator, a limit on the size of a single payment request and the settlement delay in Section 5.6, from how the creator joined (Section 3) and their record of completed deals, refunds and disputes. Bingio may change a creator's limit or delay, or pause a creator's ability to request payments, at any time based on that record, a dispute, a refund pattern, or information from Stripe, and will tell the creator when it does. A pause does not affect money already in the creator's balance, which follows the schedule above.

5.12 Taxes and reporting The creator is responsible for taxes on amounts received. Stripe may collect tax information from the creator and issue tax forms as the law requires. Bingio's fee is charged to the Brand and reported by Bingio.

5.13 Access to deal records Bingio staff may access deal records and messages for support, safety and disputes. That includes deliveries and confirmations, for refunds and disagreements too.

6. Creator Responsibilities and Content

You keep ownership of the information and content you provide ("Creator Content"), including your profile, rate information, preferences, deliveries and any media you upload. You grant Bingio a limited, non-exclusive, worldwide license to host, store, process and display your Creator Content only as needed to operate the Service, including to show a delivery to the Brand that paid for it and to use the deal record in a refund, disagreement or dispute.

You confirm that:

• you have the rights to the content you provide and to any image or media you upload, and it does not infringe anyone's rights;
• the information you provide is accurate and not misleading;
• your use of the Service complies with applicable law and with the terms of any platform (such as a social-media platform) on which you share your Bingio link;
• the work you deliver through Bingio is your own or you have the rights to deliver it.

You alone evaluate, accept, decline, negotiate and perform any partnership. Bingio does not verify the identity, legitimacy, solvency or intentions of any Brand, and presenting an inquiry is not an endorsement.

6.1 Sponsorship disclosure Content you publish for a Brand is paid content. You are responsible for disclosing that clearly and conspicuously wherever the law and the platform you publish on require it: in the United States, under the Federal Trade Commission's rules and guides on endorsements and testimonials, and elsewhere under the equivalent advertising rules. Bingio does not add disclosures for you, does not review your content for them, and is not responsible for a missing or inadequate disclosure.

6.2 Creator-initiated outreach The Service may help you draft outreach messages (such as partnership pitches) to Brands you choose to contact. Any such message is sent by you, from your own email account. Bingio drafts content at your direction but does not send messages on your behalf. You are the sender and are responsible for your outreach, including that it is accurate, not misleading, and complies with the laws governing commercial email.

6.3 Continuing a conversation on Bingio When a Brand has submitted an inquiry through your link and given its email address, you may invite that Brand to continue the conversation on Bingio. Bingio sends the Brand a one-time email, to the address the Brand itself provided, with a secure link to continue. The conversation itself creates no binding terms; a deal summary accepted and paid under Section 5 does.

7. Brands and Inquiry Submissions

Brands and other parties who submit inquiries through a creator's public link, continue a conversation on Bingio, or pay through Bingio agree that:

• they will provide accurate information and act in good faith;
• they will not submit unlawful, abusive, harassing, deceptive, infringing or spam content;
• they will not try to manipulate, overload, probe, reverse engineer or get around the assistant or any security or rate-limiting measure;
• information they submit is shared with the relevant creator so the creator can evaluate the inquiry;
• Bingio may contact them about Bingio's services, using the business contact details they provide, for example to say that other creators on Bingio would like to work with them; every such email includes an unsubscribe link and Bingio's postal address, one unsubscribe stops them, and Bingio never shares a creator's private rate information, deal terms or messages in doing so (Privacy Policy, Sections 3 and 8);
• a payment they make to a creator through Bingio is governed by Section 5, including the confirmation they give before paying, the payout schedule, the refund policy, Bingio's decision on a contested refund, and Bingio's role as the creator's payment-collection agent;
• they will use the refund process in Section 5 before disputing a charge with their card issuer;
• they are responsible, together with the creator, for ensuring that content produced under a deal is disclosed as paid content where the law and the platform require it (Section 6.1), and they will not ask a creator to omit a required disclosure.

The assistant gathers information only. It cannot and does not confirm pricing, accept offers or bind the creator. Any figure, availability, audience data or other detail the assistant does not expressly give should not be assumed. Submissions that are abusive, spam or in bad faith may be filtered, declined, rate-limited or blocked.

No account is required to submit an inquiry, and submitting one creates no obligation on the creator or Bingio to respond, engage or enter into any agreement.

8. Acceptable Use

You agree not to:

• violate any law or regulation, or infringe the rights of others;
• upload or transmit malicious code, or try to gain unauthorized access to the Service or its systems;
• interfere with, disrupt or put an unreasonable load on the Service, including through scraping, bots or excessive requests;
• try to extract another user's confidential information (including a creator's private rate information) through the Service;
• use the Service to harass, defraud, impersonate or harm anyone, including by paying with a card you are not authorized to use or by disputing a charge you authorized;
• reverse engineer, decompile or try to discover the source code or underlying models of the Service, except where the law allows;
• use the Service to build a competing product or to train a competing model.

We may investigate and take appropriate action, including removing content, pausing payments, suspending or closing accounts, and reporting to authorities.

9. AI-Generated Content and No Professional Advice

The Service uses artificial intelligence to process inquiries and organize information. AI output may be inaccurate, incomplete or unexpected. The Service, including any AI output and any screening verdict, is provided for information and organization only and is not legal, financial, tax, business or professional advice. You are responsible for verifying information and for your decisions. Do not rely on the assistant as a substitute for your own judgment or for negotiating or finalizing any agreement.

10. Intellectual Property

The Service, including its software, design, text, graphics, logos and the "Bingio" name and marks, is owned by Signature Labs or its licensors and is protected by intellectual-property laws. Apart from the limited right to use the Service, no rights are transferred to you. You may not use our marks without our prior written permission.

11. Third-Party Services

The Service relies on third-party services (including authentication, payment processing, hosting, email delivery, cloud storage, bot protection and AI providers). Your use of the Service may be subject to those providers' terms, and Stripe's terms apply to every payment and payout. We are not responsible for third-party services and disclaim liability for their acts or omissions.

12. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, THAT ANY INQUIRY WILL RESULT IN A PARTNERSHIP, OR THAT ANY BRAND WILL PAY OR ANY CREATOR WILL DELIVER. WE DO NOT WARRANT THE ACCURACY, LEGITIMACY OR QUALITY OF ANY BRAND, INQUIRY, DELIVERY, SCREENING VERDICT OR AI OUTPUT.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SIGNATURE LABS AND ITS OFFICERS, MEMBERS, EMPLOYEES AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). FOR CLARITY, A PAYMENT A BRAND MAKES FOR A CREATOR'S WORK IS COLLECTED FOR THE CREATOR AND IS NOT A FEE PAID TO US, EXCEPT FOR BINGIO'S SERVICE FEE.

SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

14. Indemnification

You agree to indemnify, defend and hold harmless Signature Labs and its officers, members, employees and agents from any claims, liabilities, damages, losses and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your Creator Content, deliveries or inquiry submissions; (c) your violation of these Terms or any law, including a missing or inadequate sponsorship disclosure; (d) any partnership, deal, disagreement or transaction between you and a Brand or creator; or (e) a card dispute you raise on a charge you authorized.

15. Termination

You may stop using the Service and delete your account at any time from your profile page. We may suspend or end your access at any time, with or without notice, if you violate these Terms, if the law requires, or to protect the Service or other users. When access ends, your right to use the Service ends. Money already paid for a deal continues to follow Section 5: a payment in a creator's balance is paid out, refunded or reversed under the schedule and policy there, and the records needed for that are kept as the Privacy Policy describes. Sections that by their nature should survive (including ownership, Section 5 for payments already made, disclaimers, limitation of liability, indemnification and dispute resolution) survive.

16. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Colorado, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the Service will be brought exclusively in the state or federal courts located in Boulder County, Colorado, and you consent to the personal jurisdiction of those courts. Nothing in this Section limits Bingio's decision on a payment under Section 5.9, which both sides accept as the way a contested refund is settled through Bingio. If you are a consumer in a country whose law gives you rights that cannot be waived by agreement, those rights are not affected.

17. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will give notice (for example, by posting the updated Terms with a new "Last updated" date, by emailing you, or by asking you to confirm the money terms again before your next payment request). Changes are effective when posted unless stated otherwise. A payment made under an earlier version of Section 5 keeps the schedule and policy the parties confirmed for that deal. Your continued use of the Service after changes take effect is acceptance of the changes.

18. Miscellaneous

These Terms, together with the Privacy Policy and the confirmations described in Section 5.3, are the entire agreement between you and us about the Service. If any provision is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition or sale of assets. Except for the limited payment-collection agency in Section 5.1, nothing in these Terms creates a partnership, agency, joint venture or employment relationship between you and us.

19. Contact

Signature Labs
Boulder, Colorado, USA
Email: support@bingio.co

These Terms are not legal advice.