Terms of service

Last updated 4 October 2026

These Terms are the agreement between you and CG APPS Ltd when you use fnlnk. Read them in full before creating an account or sending a tip. If you do not agree, do not use the platform.

1. About these Terms

fnlnk is operated by CG APPS Ltd, a company registered in England and Wales (company number 17266903). Where we say “we,” “us,” or “the platform” we mean CG APPS Ltd. Where we say “you” we mean the person reading and using fnlnk, whether as a creator or as a fan sending a tip.

These Terms apply alongside our Privacy Notice, our Acceptable Use Policy, and our Refunds Policy. Together they govern your use of the platform.

2. Who can use fnlnk

fnlnk is for adults only. Both creators and fans must be at least 18 years old. Every creator confirms their age at signup and completes identity verification (KYC) before tips are activated and before the first fan tip can be accepted. Every fan must confirm they are 18 or older before sending a tip. If you are under 18, you may not use any part of the platform.

Accounts must be opened and used by a real individual, not a bot, a shared identity, or an account standing in for someone underage.

3. What fnlnk is

fnlnk lets a fan send a tip to a creator, and each tip is the purchase of one digital thank-you content item from that creator. When a fan confirms a tip at checkout they are buying that item, and the creator must send a thank-you content item (a short text message or a photo, whichever the creator chooses) in return for every tip. A tip is a payment for a specific digital content item.

Every thank-you photo is screened by our moderation process before it is delivered. Delivery is one-to-one and one-way: the item is made available only to the paying fan, through a private link that expires 48 hours after it is delivered. The platform provides no messaging and no other fan-to-creator communication. fnlnk operates no content library, no galleries, and no archive. An item is delivered once to the fan who bought it and is not published, listed, or kept as browsable content.

fnlnk sells no subscriptions, no memberships, and no recurring billing, and operates no paywall or premium-access mechanism. It delivers no physical goods. A creator may also publish public links on their profile and upload a single profile photo used as identity; the profile photo is bounded structurally and is not itself content that is sold or delivered.

4. Creator accounts

Creators choose a handle and a payout currency at signup, confirm they are 18 or older, and complete identity verification (KYC) before tips are activated on their profile, that is, before the first fan tip can be accepted, not merely before a payout. A creator may create and publicly share their profile and links before verifying; verification is what switches tips on. The handle and currency are locked once the first tip arrives. Creators are independent of CG APPS Ltd. We do not employ creators, do not direct what they post, and we are not party to any relationship between a creator and their fans.

Creators are responsible for sending a thank-you content item for every tip they accept, and for their own tax and any reporting obligations on the amounts they receive. We do not provide tax advice.

5. Sending a tip

Fans do not need an account to send a tip. Tip values are open: the fan chooses the amount at checkout. A creator may share a tip request with a suggested amount, which the fan reviews and confirms before paying. A fan may optionally add a name and a public message, then confirms the purchase before payment is taken.

The name, the message and the tip amount may be shown publicly on the page of the creator who was tipped. If that creator has connected an X account for auto-posting, the name and the tip amount may also be posted to that account; the message is never posted to X. A blank name is shown as Anonymous.

6. Fees

A processing fee is added on top of the tip amount and is shown to the fan at checkout before payment. The creator receives the tip amount into their balance. A 5% creator service fee is deducted from the creator's balance at payout, so the creator receives 95% of the tips they have collected. Fee amounts are shown in the product and may change; the current values always apply.

7. Tip limits

The platform applies minimum and maximum tip values and velocity limits, which may vary by fan history. A tip that falls outside these limits will not be taken. These limits exist to protect fans and creators and to meet our anti-fraud and payment obligations.

8. Cancellation and the digital-content right

A tip buys digital content that is supplied immediately. Because supply begins at once, by confirming the purchase at checkout the fan consents to the immediate supply of that digital content and acknowledges that the statutory right to cancel is lost once supply has begun. Tips are final sale and non-refundable once placed; the only corrections we make (for a genuine duplicate or erroneous charge, or a confirmed unauthorised transaction) are set out in our Refunds Policy.

9. Profile photos and links

Creators may upload one profile photo and add public links. The profile photo is public identity, so it must be non-explicit. Links must point to lawful destinations, and any adult destination must be tagged so fans see the 18+ badge before they click through.

The Acceptable Use Policy sets out what is and is not allowed on the platform. We can remove a profile photo, a link, a thank-you content item, or an entire account that breaches it.

10. Account termination

You can close your account at any time by contacting support. We can suspend or terminate an account that breaches these Terms, the Acceptable Use Policy, or applicable law. Where we can give notice, we will. Where the breach is serious or ongoing we may act immediately.

On termination, the public profile comes down and the account can no longer receive tips. We keep the records the law and our payment providers require us to keep, for as long as the law requires.

11. Limitation of liability

fnlnk is provided on an as-is basis. We do our best to keep the platform online and the money flow accurate, but we do not promise uninterrupted availability.

Nothing in these Terms limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot be excluded under English law. Subject to that, our total liability to you in any twelve-month period is limited to the fees CG APPS Ltd actually earned from your activity in that period.

12. Changes to these Terms

We may update these Terms as the platform and the law evolve. The “Last updated” date at the top of this page tells you when the current version took effect. If we make a material change we will surface it in the product before it applies to you.

13. Governing law

These Terms are governed by the laws of England and Wales. Any dispute is subject to the exclusive jurisdiction of the courts of England and Wales.

Contact

Questions about these Terms can go to support@fnlnk.com.