Hey there! In this document, we intend to share with you some of the responsibilities and liabilities you have as a creator. We’re going to hit most of them, but if this doesn’t hit all of them, that doesn’t absolve you of the obligation.

Your Starflow Profile is Your Business
What you create and share via Starflow is your product. Your community members are your customers. Your work is your product. You are not working for Starflow: rather you’re working for you. We hope to make that as easy and as profitable for you as possible.

You’re running your own business on a platform created and supported by Starflow. We want to help in any way we can and at a high level we can work to resolve a lot, but things eventually devolve back to you.

Getting Started
There is no one right way to Starflow for all creators! We are happy to advise, but every creator has to come up with a way to reward and a way to charge fans; everyone must come up with a way to share their work. For example, monthly billing and per-creation billing each function very differently. Making that choice decides how rewards will work, and how your fa will experience your services.

You should be mindful of our terms of use and our community guidelines. There is no one right way to Starflow, but there are a handful of wrong ways! Our Trust and Safety Team is very communicative!

You will need a bank account to get paid. We use one very popular payment service to get the money to you, but you must have a bank account to receive the money. The different services may not work in your country, or you may have heard that you can get a payout via a credit or debit card rather than a bank. For Starflow, you will need a bank.

We find that our most successful creators market their Starflow pages widely, using a full range of social media (Twitter, Facebook, YouTube, Google Plus, etc) to get the word out. The more your network knows about your Starflow page the more they will be able to support you and tell their friends about your page as well.
We find that our most successful creators market their Starflow pages widely, using a full range of social media (Twitter, Facebook, YouTube, Google Plus, etc) to get the word out. The more your network knows about your Starflow page the more they will be able to support you and tell their friends about your page as well.


Documentation
Starflow will email receipts to fans for their payments. We will send you an annual email tallying up all earnings. If you earn more than $20,000 a year and are a US-based creator, we will send tax documents to you. Yet, as a person running a small business, you need to keep records, documents, and do your own bookkeeping.


Refunds
Except in the most extreme of cases, we will not issue a refund for you. Any of your F that contact us asking for a refund will be told the following:

– As part of our policy, only creators can issue refunds for any payments made to them. In this situation, you’ll need to reach out to the creator and request a refund.

– Starflow provides a platform which allows content creators to earn a sustainable income. Each separate creator has their own approach to reward delivery/fulfillment, meeting goals, and how they interact with their community as a whole. Sa will never make the choice to initiate a refund on the behalf of creators.

However, this means that refunds are on you: if a fans contacts you and asks for a refund for a charge or a set of charges, your choice in the matter is very important! Please be mindful of your presence in our community of creators and fans, as well as your obligations to fulfill your promises to your fans. See How do I issue a refund to a fan?

Refunds come from your creator balance so you must have available funds to issue a refund. For most folks that means between the 1st of the month (when the billing cycle begins) and the 5th of the month (when the payout cycle begins). Be mindful of this window and be sure to tell any fans to whom you’ve promised refunds that they may have to wait until this time.

Off-line refunds are always possible: resolving a situation with a fan by sending money via PayPal or Venmo, or else using their physical address to them a check or money order can lighten the stress.


Chargebacks and Fraud
These are very different and, yet, are two sides of the same coin. A chargeback is a dispute, filed by the cardholder with the card company or banking institution. Fraud is when a stolen card is used for a purchase.

Starflow will respond to chargebacks for you. Defending against a chargeback often involves saying “This person’s account is legit and here’s our proof” or “This person made a purchase on such a date.” Sometimes you win a chargeback. Sometimes not. Starflow pays all associated fees for this: some credit card companies charge a fee for the chargeback itself, as well as for our reply, for additional research, etc. These fees usually add up to a much higher total than the initial purchases and can constitute a net loss for Starflow, even if the dispute is decided in our favor.

We do not pass along chargeback fees to the Creator. This is a sort of insurance covering you against what is, in the retail world, a very normal and expected business loss.

If you get a lot of chargebacks we may reach out to you to find out why: since such things can be predicated on fan satisfaction.

A subcategory of this is called Friendly Fraud. This is when a family member (a grandchild, sibling, spouse, etc) uses the card with or without the cardholder’s permission. When the Cardholder doesn’t recognize the charge, information on the account (such as the name of the purchaser) may result in interesting family discussions, but rarely are refunds required.

Fraud is another matter. We do not defend against fraud: a card has been stolen and then money was stolen by way of that card. Our Trust and Safety team, working in tandem with Stripe’s teams, do our best to filter out these. When a card looks suspicious, any payment with that card will be blocked simply to avoid the need to make a refund in the future. It can be blocked because it looks like the cardholder is in a different count (from where the card is issued) or because it looks as if the card has been used for too many suspicious activities recently.

Our Trust and Safety team investigates accounts that are reported to check for fraud. They are also alerted by high numbers of transactions, user reports, etc. A fraud account can be blocked before the first billing cycle hits to avoid refunds. If the fraud goes unnoticed, however, by the cardholder and the various creators (they never only pay to one), the Trust and Safety team will only find out about the fraudulent activity after the fact. In these cases, the fraud refunds will go back several months.


Satisfaction
As a creator, you deserve all the support you get from your fans! Your community deserves all the wonderful work you put into your Starflow page. They deserve your honest fulfillment of all the work you promised them as rewards. Failing that, they deserve an honest statement about why a given reward is late along with appropriate apologies. Starflow will not issue refunds to dissatisfied fa, but it’s important to note that they do contact us. They do, also, take to social media to share their grievances.

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