Legal

Terms of Service

Effective date: 5 March 2025
Last updated: 24 March 2026

1. About Pact

Pact is a creator-brand deal infrastructure platform operated by Wave The Agency Limited (“we”, “us”, “Pact”). By creating an account and using Pact, you agree to these Terms of Service.

Pact connects content creators and brands to negotiate, contract, and settle commercial partnerships. We provide payment protection, contract generation, and campaign lifecycle management. We are not a party to any campaign between creators and brands.

2. Eligibility

You must be at least 18 years old to use Pact. By creating an account you confirm that you are 18 or over. If you are creating an account on behalf of a company, you confirm that you have authority to bind that company to these Terms.

3. Account registration

You must provide accurate and complete information when creating your account. You are responsible for keeping your login credentials secure and for all activity that occurs under your account. Notify us immediately at hello@mypact.co if you suspect unauthorised access.

We reserve the right to suspend or terminate accounts that provide false information or violate these Terms.

4. Creator accounts

4.1 Stripe Connect onboarding

To receive payments through Pact, creators must complete Stripe Connect Express onboarding. By doing so, you agree to Stripe's Connected Account Agreement. Pact is not responsible for delays or failures in Stripe's onboarding process.

4.2 Subscription tiers

Pact offers three tiers for creators:

Subscription fees are charged monthly via Stripe. Cancellation takes effect at the end of the current billing period. No refunds are issued for partial months.

If a Pro subscription payment fails, Pact will retry the payment automatically. After three failed payment attempts, the subscription will be downgraded to the Free tier and the Pro badge will be removed. The platform fee will revert to 15% on future campaigns. Any earnings already generated under a Pro subscription are unaffected and will be released normally.

4.3 Deliverables and content

Creators are responsible for delivering the agreed content on time and to the specification set out in the campaign contract. Late submission without an agreed extension may result in a performance score penalty.

5. Brand accounts

5.1 Brand fees

Brands pay an 8% platform fee on all campaign amounts (5% for agency brand clients). This fee is collected at the point of payment or invoice settlement.

5.2 Brand payment obligations

Brands are responsible for funding payment protection or paying invoices in accordance with the agreed campaign terms. Failure to pay may result in account restriction and, for the invoice payment track, automated late payment notices and escalation.

5.3 Content approval

Brands have the right to request a reasonable number of revisions as specified in the campaign contract. Systematic use of revision requests to delay payment is a violation of these Terms and may result in sanctions.

6. Campaign lifecycle

All campaigns on Pact follow a defined lifecycle: offer submitted, review, negotiation, acceptance, contract generation, e-signature, payment protection or invoice, content delivery, brand approval, and payment release. Both parties agree to act in good faith at each stage.

6.1 Contracts

Contracts are generated automatically by Pact or uploaded by the brand. Both parties must sign electronically before the campaign proceeds to payment. Contracts are legally binding.

6.2 Payment protection

For payment protection track campaigns, the brand funds payment protection before content is created. Funds are held by Stripe and released to the creator upon brand approval of the content. Pact deducts its platform fee at the point of release.

6.3 Invoice payments

For invoice track campaigns (enterprise clients), Pact generates an invoice payable within the agreed terms. Late payment notices are sent automatically at 7 and 14 days overdue. Brands with a history of late payment may be restricted to payment protection only payment.

6.4 Campaign termination

If a campaign is terminated after payment protection has been funded, the following split applies: 15% to the creator, 15% to Pact, and 70% refunded to the brand. This is designed to compensate creators for work already commenced while acknowledging the campaign did not complete.

7. Platform fees

Current platform fees are:

Fees are deducted automatically and are non-refundable except where a campaign is terminated under clause 6.4. Stripe processing fees are borne by the creator.

8. Trust and Safety

8.1 Acceptable use

You agree not to:

8.2 Sanction system

Pact operates a four-tier sanction system for policy violations:

Sanctioned users may appeal within 7 days of receiving notice. Appeals are reviewed by the Pact operator team. Appeal outcomes are final.

9. Intellectual property

Creators retain ownership of all content they create. By listing on Pact, creators grant Pact a limited licence to display their profile, portfolio, and rate card on the platform for the purpose of facilitating brand partnerships.

Usage rights for content are governed by the individual campaign contract between creator and brand. Pact is not a party to those rights and accepts no liability for disputes relating to content usage.

10. Limitation of liability

To the fullest extent permitted by law, Pact's total liability to you for any claim arising out of or in connection with these Terms or your use of the platform is limited to the fees you have paid to Pact in the 12 months preceding the claim.

We are not liable for any indirect, consequential, or economic losses, including lost profits, lost campaigns, or reputational damage.

We are not liable for the actions of creators or brands on the platform, including non-performance of campaigns, late payment, or content quality disputes.

11. Indemnity

You agree to indemnify and hold harmless Wave The Agency Ltd, its directors, employees, and agents from any claims, losses, or expenses (including legal fees) arising from your use of the platform or your violation of these Terms.

12. Termination

You may close your account at any time by contacting hello@mypact.co. We may suspend or terminate your account immediately if we reasonably believe you have violated these Terms, with or without prior notice.

On termination, any active campaigns will be handled in accordance with their current status. Campaigns with funded payment protection will follow the termination split in clause 6.4. Pending campaigns will be cancelled.

13. Changes to these Terms

We may update these Terms from time to time. We will provide at least 14 days' notice of material changes via email and on the platform. Continued use of Pact after the effective date constitutes acceptance of the updated Terms.

14. Governing law

These Terms are governed by the laws of England and Wales. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Contact

Wave The Agency Limited
hello@mypact.co
mypact.co

16. Data Analytics and Market Intelligence

16.1

By using the Platform, you acknowledge and agree that Pact may collect, aggregate, and anonymise data generated through your use of the Platform, including but not limited to: transaction values, campaign types, industry categories, platform preferences, deliverable formats, payment timelines, and engagement metrics.

16.2

Pact may use such anonymised, aggregated data for commercial purposes, including but not limited to: the creation and sale of market intelligence reports, trend analyses, industry benchmarks, research publications, and data products. No such use will include personally identifiable information or enable the identification of any individual User, Creator, Brand, or Agency.

16.3

For the avoidance of doubt, Pact will never disclose individual transaction details, specific deal values between named parties, or any data that could reasonably identify a specific User without that User's prior written consent.

16.4

This clause survives termination of your account.

17. Creator Pitches and Concept Protection

17.1

When a Creator submits a Pitch through the Platform, the submission constitutes a binding non-disclosure agreement (“Pitch NDA”) between the Creator and the Brand to which the Pitch is directed.

17.2

The Pitch NDA takes effect at the moment of submission and is evidenced by the timestamp recorded by the Platform and the email addresses of both parties, which together constitute electronic signatures for the purposes of the Electronic Communications Act 2000.

17.3

Under the Pitch NDA, the Brand agrees not to use, reproduce, or share the creative concept, ideas, or strategic approach contained in the Pitch for a period of 90 days from the date of submission (“Protection Period”), except for the purpose of evaluating and responding to the Pitch through the Platform.

17.4

If the Brand accepts or counters the Pitch, the Pitch NDA remains in effect and is supplemented by any subsequent contract entered into through the Platform. If the Brand declines the Pitch or does not respond within 14 days, the Pitch NDA remains in effect for the remainder of the Protection Period.

17.5

Pact does not guarantee enforcement of the Pitch NDA but provides timestamped evidence of the Pitch submission and the terms agreed to by both parties, which may be used as evidence in any dispute.

17.6

Nothing in this clause prevents a Brand from independently developing concepts that are similar to a Pitch, provided the Brand can demonstrate that such concepts were developed independently and not derived from the Creator's Pitch.