Creator Payment Terms

Last updated: 20 August 2026 Service provider: ARWY — info@arwy.life

These terms explain how you can earn from what you write on Arwy, how those earnings are calculated, and how they are paid out. By activating your wallet you accept these terms. Our Terms of Use and Privacy Policy also apply.

Two things up front: • Your work stays yours. Arwy does not become the owner of your work. • Every payment we make comes from money we have already received. We do not promise earnings that are not backed by real revenue.

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1. WHAT COINS ARE

In short: Coins are a digital unit inside Arwy. They are not money.

1.1 Coins can only be used inside the Arwy app. They have no value or use outside it. 1.2 Coins can be purchased, sent as donations, spent to unlock paid chapters, and — under the conditions in these terms — earned coins can be cashed out. 1.3 PURCHASED COINS CANNOT BE CONVERTED BACK INTO MONEY. A purchase is the delivery of a digital product; refunds follow Google Play's rules. 1.4 A wallet balance is NOT a deposit or a payment account. It does not earn interest for you and cannot be transferred to another person. 1.5 Coins do not expire. Any rules for long-inactive balances will not change without being announced in these terms.

2. HOW YOU EARN

In short: Three ways — donations, the reading pool, and paid chapters.

2.1 DONATIONS. When a reader sends you coins, a 15% service fee is deducted and the remaining 85% goes to your wallet. The exact amount is shown on the donation screen before the transaction. 2.2 READING POOL. Each month we set aside a share of our coin-sales revenue as a reading pool. The pool is divided by ALL valid reads in the app for that period, producing a value per read; your earnings are your own read count multiplied by that value. 2.3 PAID CHAPTERS. You may set a coin price on your chapters. When a reader unlocks one, a 15% service fee is deducted and the remaining 85% goes to your wallet. 2.4 A read of a paid chapter does not count toward the reading pool — you have already been paid directly for it.

3. HOW THE READING POOL IS CALCULATED

In short: The pool comes from real revenue, the rate is published, and the full calculation is shown on your payment entry.

3.1 The pool is funded by our share of coin sales. The rate is set by Arwy for each period and applied at distribution time. 3.2 The rate is set by weighing revenue against operating costs, and it is never taken below the published floor without a recorded reason. 3.3 The value of a single read is only known once the period closes. For that reason we do not show you an estimate of "what you will earn" during the month. 3.4 When earnings reach your wallet, the transaction entry shows: the period's total pool, the period's total reads, the value per read, and your own read count. You can verify the calculation yourself. 3.5 VALID READ: A reader counts as a valid read for a given chapter only ONCE, for life. Re-reading the same chapter does not generate further earnings. A read must also involve a reasonable reading time and progress, come from a trustworthy account, and concern content that complies with our rules. 3.6 Reading your own books does not generate earnings.

4. PAYMENTS RUN THREE MONTHS BEHIND

In short: A month's earnings reach your wallet roughly three months later.

4.1 This delay is standard practice on music and digital royalty platforms: it allows refund and chargeback windows to close and fraudulent or erroneous activity to be filtered out. 4.2 A short holding period may apply before earnings become withdrawable; this is shown in your wallet. 4.3 A new author's first payment therefore arrives a few months after their first reads. We want you to know this from the start.

5. CASHING OUT

In short: Identity verification + at least 500 coins + a 5% processing fee.

5.1 To cash out you must complete identity verification (section 6). Without it you can still earn, accumulate and spend inside Arwy; only cash-out is unavailable. 5.2 The minimum withdrawal is 500 coins. 5.3 A 5% processing fee applies to withdrawals (transfer, reconciliation and handling costs). The deduction is shown before you submit the request. 5.4 Payments are made only to an account registered in the verified person's OWN name. We do not pay third parties. 5.5 Taxes: Taxation of your earnings is governed by applicable law. Where required, withholding may be applied and will be shown in your payment breakdown. You remain responsible for your own tax position. 5.6 Approved requests are paid within a reasonable time.

6. IDENTITY VERIFICATION

In short: Required to cash out; your documents are not shared with anyone.

6.1 Required: front and back of your ID, a selfie holding your ID, a verified phone number, your address, and a utility bill in your name or an official residence certificate. 6.2 The details must match the name on your account. 6.3 Documents are viewed only by authorised Arwy staff, for verification. Every access is logged. Documents are not shared with third parties and are not retained beyond the period required by law. 6.4 If you are under 18 you cannot cash out. Your earnings are not deleted; you may verify and withdraw once you turn 18. 6.5 If verification is rejected, you are told why and may reapply.

7. YOUR WORK IS YOURS

In short: You keep the rights; we only receive permission to publish and to monetise inside the app.

7.1 You retain all intellectual property rights in the content you publish on Arwy. Arwy acquires no ownership and is not a publisher. 7.2 You grant Arwy a NON-EXCLUSIVE, worldwide, royalty-free licence to publish, display, promote and monetise your content on the Arwy platform as described in these terms. 7.3 Because the licence is non-exclusive, you may publish the same work on other platforms. 7.4 Monetisation applies only inside Arwy. These terms create no revenue, agency or publishing relationship outside Arwy. 7.5 You warrant that the content is yours and does not infringe the rights of others; you are responsible for any resulting damage.

8. IF YOU WANT TO REMOVE YOUR CONTENT

In short: Free content can be removed at any time. For sold content, buyers' rights are protected.

8.1 FREE CONTENT: You may remove it at any time. No new earnings arise after removal; past payments are not reclaimed. 8.2 SOLD (PAID) CONTENT: Once a chapter has been purchased, the readers who bought it keep lifetime access. A sold chapter therefore cannot be deleted or unpublished. 8.3 You may edit a sold chapter, but its length may not be reduced or increased by more than 20% of its length at the time of first sale. This prevents paid content from being emptied out after purchase. 8.4 If you request the exceptional removal of sold content, any refund or compensation owed to buyers is offset against your earnings. 8.5 Price changes do not affect past purchases. If a previously free chapter is made paid, it remains free for users who had already read it.

9. MISUSE

In short: If the system is gamed, earnings are reversed.

9.1 The following are prohibited: inflating read counts with fake accounts, generating reads with automated tools, publishing stolen or third-party content, payment fraud, providing misleading information during verification, and receiving payment on someone else's behalf. 9.2 Where such use is detected, earnings may be frozen or reversed, payout requests refused and the account closed. 9.3 You may appeal: you can request the reasons for a decision and contact our support account inside the app. 9.4 If a purchased coin is later refunded (for example after a payment dispute), the earnings arising from it are reversed.

10. CLOSING YOUR ACCOUNT

10.1 If you close your account: where your withdrawable balance is above the minimum, you may request payment. A balance below the minimum cannot be paid out and ends with the account. 10.2 Section 8 continues to apply to sold content after account closure.

11. MOBILE APP ONLY

11.1 Buying coins, sending donations, unlocking paid chapters, cashing out and the counting of reads for earnings happen ONLY in the Arwy mobile app. 11.2 These actions are unavailable on the web version, and reads on the web are not counted toward the reading pool. You can still view your balance on the web. 11.3 This is because payment and verification are operated securely through the mobile app.

12. CHANGES

12.1 These terms may be updated. When a significant change is made you will be informed in the app and asked to accept again. 12.2 Periodic values such as the pool rate do not require these terms to change; the values applied are shown in the app for each period.

13. CONTACT

Questions, appeals and payment requests: info@arwy.life You can also message our support account inside the app.

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