Welcome to Nestuge! We’re thrilled to have you here. At Nestuge, we empower you to monetize your expertise and earn from your audience. When we say "we," "our," or "us," we're referring to Nestuge, Inc. When we mention "Nestuge," we're talking about our platform and the services we offer.

This page outlines our Terms of Use ("Terms"). By using Nestuge in any capacity, you agree to these Terms, along with our privacy policy. If you have any questions, feel free to reach out to us at hello@nestuge.com

Account Creation

To use Nestuge, you must be at least 18 years old or old enough to enter into a binding contract in your country. By creating an account, you agree to provide accurate, complete, and up-to-date information.

We may ask for additional Know Your Customer (KYC) information to verify your identity and comply with applicable laws. Please note that you won't be able to withdraw funds from your wallet until this verification is complete.

You are responsible for keeping your account credentials confidential and for all activities that occur under your account. If you suspect your account has been compromised, please contact us immediately at hello@nestuge.com

For Creators

Creators are generally persons or entities that sign up on Nestuge with the primary goal of delivering products or services to an audience and they generally include digital creators, coaches and brands.

As a creator, you gain access to a variety of tools which will enable you to cater to and earn from your audience. With these tools, you could sell your digital products/services and offer memberships.

You can also receive payments for consultations, webinars, and training sessions, regardless of where they’re hosted. These tools are subject to improvements and variations by way of software updates.

The use of these tools are strictly limited to purposes that are safe, legal and responsible. Nestuge shall not be held responsible for any uses outside these purposes and may take appropriate measures against you where these conditions of use are breached. We also reserve the right to terminate your access to them upon such breach of condition of use.

Receiving Payments and Payouts

As a creator, you can accept payments through our payment processors and payments may be one-time, recurrent, or any custom amounts set by the creator.

To enhance the customer experience, we offer currency conversion options at competitive market rates, where supported.

Funds are typically processed within 1-7 days and will be credited to your Nestuge wallet in USD, using the conversion rate of the settlement date. You can withdraw these funds in your local currency, usually within 24 hours, depending on your chosen payout method.

Creators are responsible for paying all applicable taxes on their earnings. Nestuge may also be required to withhold taxes in certain jurisdictions.

If we suspect fraudulent activity or a violation of these Terms, we may hold payouts or restrict wallet access for a reasonable period. In the case of a payout error, we reserve the right to deduct the overpaid amount from your wallet balance or future earnings or require its return.

Fees

Creating an account on Nestuge is free! However, we do charge fees based on your usage, including commissions on sales and monthly subscription fees, depending on your billing plan. These fees may change, and you can find the latest information on our pricing page

Here’s a breakdown of all fees.

Commission fee: This is calculated as a percentage of any successful transaction processed through our platform. This may vary depending on whether currency conversion was involved, the location and the billing plan of the creator.

Usage fee: This is calculated based on your consumption of certain features, such as storage space and automated actions.

Payout fee: We take a small fee when you withdraw your funds from your Nestuge wallet to your payout method, which may vary depending on the specified method.

Subscription fee: If you choose a billing plan other than Pay-as-you-go, this fee will depend on your chosen cycle (monthly, biannually, or annually).

All fees are exclusive of any applicable taxes, which may be added to the total amount due. You can view the fees for each transaction on your dashboard.

Refunds and Chargebacks

Refund policies for products sold through Nestuge are set by individual creators. Nestuge does not handle refund processing or approvals.

While Nestuge may, at its sole discretion, provide assistance or attempt to mediate disputes between customers and creators, Nestuge is under no obligation to intervene,resolve, or take responsibility for such disputes. Customers and creators acknowledge and agree that all transactions are entered into directly between them with Nestuge acting simply as a platform that connects both, and Nestuge shall not be liable for any loss, damage, or claim arising out of or in connection with any dispute unless Nestuge expressly determines to act in accordance with these Terms .

In the event of a chargeback or refund request, the creator is responsible for responding and resolving the issue using our provided tools. While we can assist, we are not liable for any losses or fees incurred due to chargebacks.

Content Policy

You retain all intellectual property rights in the materials you create and sell through Nestuge. However, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and distribute your copyright solely for operating and promoting the platform.

This means that you own everything you create and sell on Nestuge. However, by using our platform, you’re allowing us to use, share, and display content you have made public. This permission helps us run and promote Nestuge, but it doesn’t give us ownership of your content or allow us to sell it as our own. You keep full control over your work.

You are solely responsible for your content, which must not:

• Infringe on the intellectual property rights of others;
• Contain illegal, offensive, or harmful material;
• Involve or relate to sexual acts;
• Violate any applicable laws or regulations;
• Involve a “get rich quick” scheme.

Prohibited Products/Services

Your account or products must not involve or promote the following:

• Dating or match-making activities;
• Gambling Sports betting or forecasting;
• Cryptocurrency;
• Internet gambling;
• Pyramid and Ponzi schemes;
• Forex trading;
• “Get-rich-quick” schemes including investment opportunities;
• Multi-level marketing services offering commission or recruitment-based sales;
• Fundraising and crowdfunding activities of any types;
• Charity sweepstakes and raffles;
• Adult content and services;
• Debt settlement, debt negotiation, and debt consolidation;
• Government services without the requisite authorization;
• Identity services;
• Products and services that infringe on intellectual property rights;
• Legal services such as bankruptcy law, bail bond services, law firms collecting funds for purposes other than legal service fee payment;
• Lending and credit including loan services, loan repayment, credit monitoring and counselling services;
• Illicit substances and hard drugs;
• Any products or services connected with weapons, firearms, explosives and dangerous materials;
• Cyberlocker and file-sharing services;
• Capital market services.

For Customers

As a customer, you can access a creator’s product or subscribe to their memberships.

Subject to these terms and upon full payment of all applicable charges, to the extent a digital product, service or membership includes access to one or more content items by the creator, you receive a non-exclusive, non-transferable, non-sublicensable, revocable, limited license to access and view that content for your own private, personal, non-promotional, non-commercial use. Access to these content items will generally continue but may be revoked as described below.

When you sign up for a recurring payment for a product, service, or membership (“Subscription”), Nestuge facilitates payment collection on behalf of the creator. The creator may adjust prices with notices and can request Nestuge to notify you at least 3 days before your subscription renews.

You can cancel your subscription anytime through your customer dashboard or via the reminder email. Please note that canceling or changing your subscription tier may result in loss of access to subscription benefits.

The creator reserves the right to remove, cancel or suspend your subscription with notice to you, for violation of their terms. When this occurs, you will lose access to the content items at the end of the current subscription cycle.

You also lose access to these benefits if, for example and as applicable, your payment method fails, the creator deletes their account, we terminate your account or the creator's account for reasons such as violation of our terms.

Transaction fees

We charge a commission fee when you make payments, as specified on our pricing page. Creators can choose to bear this fee, pass it on to you, or split it at their discretion. Taxes, such as VAT or sales tax, may be added based on your jurisdiction.

Refund and Cancellation Policies

Creators are responsible for clearly communicating their own refund and cancellation policies to customers. Nestuge’s general policy does not allow for refunds, including where access to products or subscription benefits may be lost, unless explicitly determined otherwise at Nestuge's discretion.

While Nestuge may, at its sole discretion, provide assistance or attempt to mediate disputes between customers and creators, Nestuge is under no obligation to intervene, resolve, or take responsibility for such disputes. Customers and creators acknowledge and agree that all transactions are entered into directly between them with Nestuge acting simply as a platform that connects both, and Nestuge shall not be liable for any loss, damage, or claim arising out of or in connection with any dispute unless Nestuge expressly determines to act in accordance with these Terms.

Nestuge endeavors to facilitate a positive experience for customers. However, Nestuge does not exert control over the quality of content, benefits, or services provided by creators. As a customer, before making payments for any products, ensure that you are convinced by the level of expertise which the creator professes to possess and strive to receive adequate assurances from the creators that the products or services you are paying for not only meet the industry standard but also fit for the purposes for which you need them.

Nestuge is constantly reviewing creators' activities and interactions with customers to ensure that the correct product or service standards are met. To assist Nestuge in its effort in this regard, Customers are also encouraged to report any content, products, or creator behaviors that fall below the standard, do meet expectations or are suspicious in one way or another.

Dispute Resolution

In cases of suspected fraud or misunderstandings, customers should initially contact the creator directly to seek resolution. If the creator is unresponsive or the matter remains unresolved, customers may then approach Nestuge for further assistance.

Nestuge reserves the right to mediate disputes and take any necessary action it deems appropriate under the following conditions:

• The creator fails to respond within a reasonable timeframe.
• There’s evidence of fraudulent activity or violation of these Terms.
• The dispute resolution process has reached an impasse.

Intellectual Property Rights

The Nestuge platform, including its design, features, and content, is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our platform or included software, nor may you reverse engineer or attempt to extract the source code without our written permission.

Third-Party Integrations

Nestuge offers integrations with third-party services. By using these integrations, you agree to comply with the terms of those services.

You’re responsible for managing permissions for these integrations, and Nestuge is not liable for any issues arising from third-party services.

Account Deletion

You can easily delete your account permanently through the account settings on your dashboard.

We reserve the right to terminate or suspend your account and access to Nestuge at our sole discretion, without prior notice, for any conduct that we believe violates these Terms or could harm other users, us, or third parties. This may include, but is not limited to, actions we deem inappropriate or harmful.

Modifications to the Terms

We reserve the right, at our sole discretion, to modify or replace this agreement at any time. If a revision is material, we will provide at least a few days' notice before any new terms take effect. What constitutes a material change will be determined at our sole discretion.

If any provision of these Terms is found to be unenforceable or invalid, the rest of the provision shall remain valid and enforceable and that invalid or unenforceable provision will be changed and/or interpreted to achieve its intended purpose as the case may be to the greatest extent possible under applicable law.

These Terms and any referenced policies constitute the entire agreement between you and us regarding your use of this platform and supersede any prior agreements.

LIMITATION OF LIABILITY

Nestuge provides the platform on an "as is" and "as available" basis. We make no warranties, expressed or implied, regarding the platform’s reliability, availability, or suitability for your purposes.

To the fullest extent permitted by law, Nestuge shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues.

Nestuge assumes no liability for the actions, omissions, or misdeeds of creators, except as expressly stated in these Terms. Creators bear full responsibility for any commitments or representations made to their customers.

For this clause, “we” and “our” is defined to include our subsidiaries, affiliates, officers, directors, employees, agents, and third-party service providers.

DISCLAIMER

You agree to indemnify, defend, and hold harmless Nestuge, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses including legal fees, arising from your use of the platform or violation of these Terms.

LICENSE

We grant you a revocable, non-exclusive, non-transferable, limited license to use our logo and other copyrights or trademarks to promote your products. You may not use, reproduce, distribute, perform, publicly display, or create derivative works of our materials without our prior written permission.

Governing Law and Jurisdiction

These Terms are governed by the laws of Nigeria for users residing in Nigeria and by the laws of the State of Delaware for all other users.

Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in Nigeria for Nigerian users, and the courts in the State of Delaware, USA for all other users.