Creator Terms

Creators are responsible for the public descriptions, pricing, support expectations, and rights associated with their Pals, workflows, and related materials.

CogniPal may review, pause, delist, or restrict listings that create safety, policy, billing, rights, fraud, or support risk.

Creator publishing is included in the monthly Free plan at launch, but paid listings and support remain subject to review, refunds, disputes, and platform rules.

Creators keep 90% of net Pal/workflow sales and 95% of net support.

Net receipts are gross buyer payments minus payment processing fees, refunds, disputes or chargebacks, and taxes or withholding where applicable.

Earnings may be held for 14 days after the earning event and can be paused or reversed for refunds, disputes, policy review, verification issues, or payout method changes.

If a refund or dispute happens after payout, CogniPal may record a recoverable negative creator balance or an admin liability state for review.

Creator earnings are separate from user wallet balance. Wallet balance is not withdrawable and cannot be paid out as creator earnings.

Launch payouts are ACH-only, monthly, subject to a $25 minimum, and require manual admin approval.

Creators must complete required verification, payout setup, and tax documentation before payout eligibility is enabled.