Terms of Service

1. Definitions

In these Terms, the following words have the meanings given below. Other defined terms are explained where they first appear.

• “Company”, “we”, “us”, “our” means STRUKT AB, the operator of the platform.
• “Platform” means the Meplio websites, applications, and related services we provide, including any custom domains through which a Community is made available.
• “User”, “you” means any person who accesses or uses the Platform in any capacity, whether as a Visitor, Member, or Creator.
• “Visitor” means a person who accesses a publicly available part of the Platform (such as a Community’s public landing page) without necessarily holding an account or a paid membership.
• “Creator” means a User who creates, owns, or operates a Community and receives payments from Members through the Platform.
• “Member” means a User who purchases access to, or a membership in, a Community operated by a Creator.
• “Community” means a space on the Platform operated by a Creator, which may include chat, channels, posts, courses, events, memberships, and related features.
• “Content” means any text, images, video, audio, files, links, or other material posted, uploaded, or made available on or through the Platform by any User.
• “Membership Fee” means the recurring or one-time amount a Member pays for access to a Community.
• “Subscription Fee” means the recurring amount a Creator pays the Company for a plan (for example, the Starter or Growth plan).
• “Platform Fee” means the percentage of each Membership Fee the Company retains, as described in Section 8.
• “Payment Processor” means Stripe, Inc. and its affiliates (including Stripe Payments Europe, Ltd.), which provide payment processing and connected-account services for the Platform.
• “Connected Account” means the Stripe Express account a Creator must create and maintain with the Payment Processor to receive funds and payouts.

2. Eligibility and Accounts

2.1 Minimum age

You must be at least 16 years old to create an account or use the Platform. Where a higher minimum age applies under the law of your country for consent to the processing of personal data or for entering into a binding contract, that higher age applies. To act as a Creator, or otherwise to receive payments through the Platform, you must be at least 18 years old and able to form a legally binding contract.

2.2 Accurate information

You agree to provide accurate, current, and complete information when you register and to keep it up to date. You are responsible for all activity that occurs under your account.

2.3 Account security

You are responsible for keeping your login credentials confidential and for restricting access to your account. Notify us promptly at gabriel@meplio.com if you become aware of any unauthorised use of your account. We are not liable for any loss arising from unauthorised use of your account.

2.4 Identity

You must not create an account for anyone other than yourself without authorisation, impersonate any person or entity, or misrepresent your affiliation with any person or entity. We may refuse registration, or suspend or terminate accounts, in accordance with these Terms.

3. The Platform, and the Roles of the Company, Creators, and Members

3.1 What we provide

The Platform provides software and hosting that allows Creators to operate Communities and to charge Members for access, and allows Members and Visitors to discover, join, and participate in Communities. We provide the technology and the payment infrastructure. We do not create, run, or control the Communities themselves — Creators do.

3.2 Creators are responsible for their Communities and their Members

Each Creator is solely responsible for their Community and for their relationship with their Members. This includes, among other things: the Content and offering of the Community; the accuracy of descriptions and pricing; the delivery of any promised benefits; setting and enforcing their own community rules; handling their Members’ questions, complaints, and support; deciding on and issuing refunds to their own Members; and moderating their Community, including removing content and removing, muting, or banning individual Members. The Company provides tools that enable Creators to do these things, but the decisions and the responsibility are the Creator’s.

Any dispute between a Creator and a Member about the substance, quality, delivery, pricing, refunding, or moderation of a Community is a matter between that Creator and that Member. The Company is not a party to it and is not responsible for resolving it, except as expressly set out in these Terms.

3.3 The Company’s role is limited, and is that of a platform and backstop

The Company’s role is to provide the Platform and operate the payment infrastructure. We do not routinely monitor or police individual interactions between Creators and their Members, and we are not a first-line moderator or a refund desk for Communities. We may, however, act at the Platform level — including by removing Content, restricting features, or suspending or removing an entire Community or account — where we become aware of unlawful activity, a breach of these Terms, a pattern of abuse, fraud, a risk to the Platform or its users, or a requirement of law or of the Payment Processor or card networks. Our ability to act as a backstop does not make us responsible for the day-to-day conduct of Creators or Members.

3.4 Payments and merchant of record

Because of how payments are configured on the Platform, the Company acts as the merchant of record for Membership Fees for the purpose of card-network and payment rules — meaning the Company (together with the Payment Processor) is responsible for processing those payments and bears defined responsibility in relation to them, including in respect of certain chargebacks. At the same time, because the Platform offers Creators a white-label experience, the Creator’s name (rather than the Company’s) may appear on a Member’s card or bank statement for a Membership Fee. The underlying Content, goods, benefits, or services of a Community are provided by the Creator, not the Company. The Company’s role in payment processing does not make it responsible for what a Creator offers or delivers.

3.5 The Company does not hold Creator funds

The Company is not a bank, is not a money transmitter, and does not take custody of Members’ or Creators’ money. Membership Fees are processed by the Payment Processor and settle into the relevant Creator’s Connected Account, which is the Creator’s own account with the Payment Processor. The Company does not hold those funds; the Company’s own balance with the Payment Processor reflects only its Platform Fees and any amounts it is owed or must settle. Funds held in a Connected Account, and any holds, reserves, freezes, or verification requirements on that account, are governed by the Payment Processor’s terms and controlled by the Payment Processor, not by the Company.

3.6 No professional advice

The Platform and its Content are not, and must not be relied upon as, legal, financial, tax, medical, or other professional advice. Content within Communities is created by Creators and other Users and does not represent the views of the Company.

4. Acceptable Use and Prohibited Conduct

You agree not to use the Platform, and not to permit any person to use your account or Community, to do, facilitate, promote, or attempt any of the following. This list is not exhaustive; we may act against any use we reasonably consider harmful, unlawful, or inconsistent with the purpose of the Platform.

4.1 Illegal and harmful activity

• Violating any applicable law or regulation, or any third-party right;
• Uploading, sharing, selling, or facilitating access to content that is unlawful, including child sexual abuse material, content that sexualises or endangers minors, or content that exploits or harms any person;
• Promoting, organising, or facilitating terrorism, violent extremism, human trafficking, or other serious crime;
• Facilitating the sale or distribution of illegal drugs, weapons, stolen goods, counterfeit items, or other regulated or prohibited goods and services;
• Engaging in fraud, money laundering, financing of terrorism, evasion of sanctions, or other financial crime;

4.2 Sexual, hateful, and abusive content

• Pornographic or sexually explicit content, or content otherwise prohibited by our content rules or by the Payment Processor’s rules;
• Content that incites or promotes hatred, harassment, discrimination, or violence against any person or group, including on the basis of race, ethnicity, national origin, religion, disability, sex, gender identity, sexual orientation, or age;
• Bullying, harassing, threatening, doxxing, or stalking any person;
• Content or conduct that encourages, promotes, or provides instructions for self-harm, suicide, eating disorders, or other harm to oneself or others;

4.3 Platform integrity and security

• Uploading or transmitting malware, or attempting to gain unauthorised access to the Platform, other accounts, or any systems or networks;
• Interfering with, disrupting, overloading, or circumventing any security or access-control feature of the Platform;
• Scraping, harvesting, or collecting data about other Users except as expressly permitted;
• Sending spam or unsolicited communications, or operating pyramid, Ponzi, or similar schemes;
• Abusing, manipulating, or defrauding any payment, payout, refund, referral, or fee mechanism, including through fraudulent sign-ups, self-dealing, or chargeback abuse;

4.4 Intellectual property

• Infringing the intellectual-property rights of any person, or posting Content you do not have the right to post;
• Removing, obscuring, or altering any proprietary notices on the Platform.

5. Content and Intellectual Property

5.1 Your Content remains yours

As between you and the Company, you retain ownership of the Content you create and post. We do not claim ownership of your Content.

5.2 Licence to operate the Platform

To provide the Platform, you grant the Company a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, adapt (for technical purposes such as formatting and resizing), publish, publicly display, and distribute the Content you post, solely as necessary to operate, provide, secure, and improve the Platform and the relevant Community, and to comply with law. This licence ends when your Content is removed, except that (a) it survives to the extent the Content has been shared with others who have not removed it, and (b) we may retain residual copies as required by law or for backup, security, and dispute-resolution purposes.

5.3 Content shown on public and custom-domain pages

Where a Creator chooses to showcase certain Content publicly (for example, on a Community’s public landing page or a custom domain), that Content may be visible to anyone, including Visitors who are not logged in. Creators are responsible for ensuring they have the right to display such Content publicly.

5.4 Our intellectual property

The Platform itself — including its software, design, text, graphics, logos, and the Meplio name and marks — is owned by the Company or its licensors and protected by intellectual-property laws. Except as expressly permitted, you may not copy, modify, distribute, sell, or lease any part of the Platform, or reverse engineer or attempt to extract its source code.

5.5 Feedback

If you send us suggestions or feedback, you grant us an unrestricted, royalty-free right to use them without obligation to you.

6. Copyright Complaints and Takedown

We respect intellectual-property rights and expect Users to do the same. If you believe Content on the Platform infringes your rights, contact us at gabriel@meplio.com with: (a) identification of the work or right you claim is infringed; (b) identification of the Content and its location; (c) your contact details; (d) a statement that you have a good-faith belief the use is not authorised; and (e) a statement that the information in your notice is accurate. We may remove or disable access to allegedly infringing Content and may terminate the accounts of repeat infringers. We may forward your notice to the affected User.

7. Additional Terms for Members

This Section applies to you when you join or pay for a Community as a Member. It is in addition to the general terms above.

7.1 Your relationship is with the Creator

When you join a Community, you are purchasing access to a Community that a Creator operates. The Creator — not the Company — is responsible for the Community’s Content, for delivering any promised benefits, for the Community’s rules, and for handling your questions, complaints, and requests, including requests for refunds. If you have an issue with a Community, you should raise it with the Creator in the first instance.

7.2 Recurring payments

Where a Membership Fee is recurring, you authorise the Company (as merchant of record) and the Payment Processor to charge your payment method on a recurring basis until you cancel. Information about how to cancel is available in the Platform. You may cancel at any time; unless required by law or offered by the Creator, cancellation stops future renewals and does not refund amounts already paid for the current period.

7.3 Refunds are primarily a matter for the Creator

Refunds on Membership Fees are decided by the Creator of the relevant Community, in accordance with that Creator’s stated policy (if any) and applicable law. The Company does not, as a general matter, issue discretionary refunds on a Creator’s behalf. Where a Creator closes a Community, certain refunds may be handled through the Platform as described in Section 8.6. Nothing in these Terms removes any statutory refund or withdrawal right you have as a consumer under applicable law.

7.4 Community rules and moderation

Communities have their own rules set by the Creator. The Creator may moderate the Community, including by removing content or by muting, removing, or banning Members who breach those rules. By joining a Community you agree to its rules and to the Creator’s moderation of it. If your membership ends (by your choice, by the Creator’s action, or because the Community closes), you may lose access to the Community; Content you posted may remain visible in the Community as described in Section 9.6.

7.5 Your conduct

You remain bound by the acceptable-use terms in Section 4 in every Community you join. Conduct that breaches those terms may lead to action by the Creator (within their Community) or by the Company (at the Platform level).

8. Additional Terms for Creators; Payments, Fees, and Payouts

This Section applies to you when you operate a Community as a Creator. It is in addition to the general terms above.

8.1 Your responsibility for your Community

You are solely responsible for your Community, including all Content you make available, the accuracy of your descriptions and pricing, the delivery of any promised benefits, your interactions with your Members, your community rules and moderation, your handling of your Members’ refunds and complaints, and your compliance with all laws applicable to your activities (including consumer-protection, advertising, and content laws). The Company provides the tools; the responsibility is yours.

8.2 Plans and Subscription Fees

To operate a paid Community, you must maintain an active paid plan (for example, the Starter plan at $29/month or the Growth plan at $79/month, as described at www.meplio.com). Plan prices, features, and availability may change; we will give notice as described in Section 15. Certain features (for example, connecting a custom domain) may be available only on certain plans. Subscription Fees are billed on a recurring basis in advance. If a Subscription Fee cannot be collected, we may suspend or downgrade access to paid features, including the ability to publish paid tiers, until payment is made.

8.3 Connected Account, verification, and supported countries

To receive funds, you must create and maintain a Connected Account with the Payment Processor and complete all required identity and business verification. Payouts and connected-account services are available only in countries supported by the Payment Processor; you are responsible for confirming that your country is supported. Verification may require you to provide identity documents and other information directly to the Payment Processor, and may involve review that delays or prevents payouts. The Company does not control, and is not responsible for, the Payment Processor’s verification and risk decisions. Your use of the Connected Account is also governed by the Payment Processor’s own agreements (including the Stripe Connected Account Agreement and Stripe Services Agreement), which you accept by operating a paid Community. You are responsible for all activity on your Connected Account.

8.4 Taxes

You are solely responsible for determining, collecting, reporting, and remitting any taxes (including VAT, sales, income, or other taxes) that apply to your Membership Fees and your activities. The Company does not provide tax advice and, except where expressly required by law, does not collect or remit taxes on your behalf. You are responsible for issuing any invoices or receipts your Members or your jurisdiction require, unless we state otherwise.

8.5 The Platform Fee, and how money flows

For each Membership Fee, the Payment Processor processes the payment and settles the amount — after payment-processing fees and the Company’s Platform Fee — into the Creator’s Connected Account. Meplio is free for Creators to use — there is no subscription or monthly fee to operate a Community on the Platform. The Company’s Platform Fee is currently 5% of each Membership Fee. The Company does not hold the Creator’s share; it settles to the Creator’s Connected Account under the Payment Processor’s terms. The Company may change the Platform Fee or its structure on notice as described in Section 15.

8.6 Payouts, holds, reserves, and refunds on closure

Payouts of amounts in a Creator’s Connected Account are made by the Payment Processor. The Company may set, and may change, a holding period before funds become available for payout, including on a per-Community basis (for example, a longer hold for newer or higher-risk Communities and a shorter hold for established ones), and may apply reserves or delay payouts where the Company or the Payment Processor reasonably considers it necessary to manage risk, investigate suspected fraud or violations, comply with law, or cover anticipated refunds, chargebacks, or negative balances. Payout timing is also subject to the Payment Processor’s own processing times, which the Company does not control.

Refunds to Members are generally decided and issued by the relevant Creator (see Section 7.3). In addition, when a Creator closes a Community, the Platform may automatically issue prorated refunds to active Members for the unused portion of their current billing period; to avoid creating a negative balance, the Company may prevent a closure from completing until any such refunds can be covered from the Creator’s available balance. Amounts refunded to Members, and amounts lost to chargebacks or disputes, together with related fees, may be deducted from the Creator’s balance, offset against future payouts, or otherwise recovered from the Creator.

8.7 Chargebacks and negative balances

As merchant of record, the Company may be required to return funds and may incur fees when a Member initiates a chargeback. As between the Company and the Creator, the Creator is responsible for amounts charged back on the Creator’s Community and for any resulting negative balance, which the Company may recover by deduction, offset against future payouts, or other lawful means. The Company may suspend payouts or the account while a dispute or negative balance is outstanding. You are responsible for setting clear expectations with your Members to reduce disputes.

8.8 Currency; reconciliation

Amounts are processed in the currency shown on the Platform (currently US dollars). You are responsible for any third-party currency-conversion or bank fees, for reviewing your transaction history, and for reporting any suspected error promptly. We may correct errors, reverse transactions, and adjust balances to reflect the correct position.

8.9 Closing or losing your Community

If your Community is closed (by you, or by us in accordance with these Terms), or if you cease to maintain an active plan, access for Members may end — immediately or at the end of their current paid period, depending on the circumstances and on the closure option used — and we may cancel or wind down active Memberships. You remain responsible for obligations that arose before closure, and your Connected Account may need to remain available so that refunds, chargebacks, and accounting can be completed.

9. Platform-Level Moderation, Suspension, and Termination

9.1 Creator moderation versus Company action

Day-to-day moderation within a Community — removing content, muting, removing, or banning individual Members — is carried out by the Creator using the tools we provide, as described in Sections 3 and 8. This Section concerns action by the Company at the Platform level, which is different: it is our backstop ability to act on the Platform as a whole.

9.2 Our right to act at the Platform level

We may, but are not obliged to, monitor, review, or moderate Content and Communities. We may remove or disable access to any Content, and may restrict, suspend, disable, or remove any Community or account, where we reasonably believe it is necessary to: (a) enforce these Terms or our content rules; (b) comply with law or a lawful request; (c) protect the Platform, other Users, or third parties; (d) address fraud, security, abuse, or risk concerns, including a pattern of complaints or violations; or (e) meet a requirement of the Payment Processor, the card networks, or a regulator.

9.3 Prohibited Communities

Without limiting Section 9.2, we may immediately suspend or remove any Community that engages in, hosts, or facilitates conduct prohibited under Section 4 (including illegal content, sexual exploitation, hate, harassment, fraud, or content prohibited by the Payment Processor), and may withhold, reverse, or refund related payments as appropriate and permitted.

9.4 Effect of suspension or termination

If we suspend or terminate your access, your right to use the Platform ends. Where you are a Creator, we may cancel or wind down active Memberships, stop payouts pending investigation, and take steps to handle affected Members fairly. Amounts properly owed to you, less amounts we are entitled to recover, may be settled subject to risk, legal, and Payment-Processor requirements.

9.5 Your right to stop using the Platform

You may stop using the Platform at any time. Creators may cancel their plan, and Members may cancel their Memberships, through the Platform. Cancellation does not entitle you to a refund of amounts already paid except as required by law or as expressly provided (including, for Members, any refund the Creator chooses to give, or any prorated refund on Community closure).

9.6 Account deletion, and what happens to your Content

You may request deletion of your account through the Platform. There is an important distinction between simply leaving and deleting your account. If your membership or subscription ends but you do not delete your account, the Content you contributed to a Community (such as posts, comments, and messages) generally remains in that Community, attributed to you, so that conversations stay intact. If you delete your account (or exercise a right of erasure), we anonymise your identifying information as described in the Privacy Policy — for example, your display name is replaced with a generic label and your identifying profile details are removed — while certain records we are required to keep (such as financial and transaction records and moderation history) are retained in de-identified form for the periods described in the Privacy Policy and as required for legal, accounting, security, and dispute-resolution purposes.

10. Third-Party Services and Custom Domains

10.1 Third-party services

The Platform relies on third-party services, including the Payment Processor (Stripe), hosting and infrastructure providers (such as Cloudflare), and database and storage providers (such as Supabase). Your use of the Platform may be subject to those providers’ terms, and we are not responsible for their acts or omissions. Communities may also link to third-party sites we do not control and are not responsible for.

10.2 Custom domains

Where a Creator connects a custom domain to a Community, the Creator is responsible for owning or having the right to use that domain, for configuring it correctly, and for complying with the domain registrar’s and any relevant third party’s terms. We may verify control of a domain before enabling it, may refuse or disable a domain, and may remove a connected domain if a Community is closed, a plan lapses, or these Terms are breached. We do not guarantee the availability of any particular domain.

11. Disclaimers

The Platform is provided “as is” and “as available”. To the maximum extent permitted by law, the Company disclaims all warranties, conditions, and representations of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising from course of dealing or usage. We do not warrant that the Platform will be uninterrupted, secure, or error-free, that defects will be corrected, or that the Platform is free of harmful components. We do not warrant or endorse any Community, Creator, Member, or Content, and are not responsible for the conduct of any User or for what any Creator offers or delivers.

Nothing in these Terms excludes or limits any liability or right that cannot be excluded or limited under applicable law, including mandatory consumer-protection rights.

12. Limitation of Liability

To the maximum extent permitted by law: (a) the Company will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, goodwill, data, or business, arising out of or in connection with the Platform or these Terms, whether in contract, tort (including negligence), or otherwise, even if advised of the possibility; and (b) the Company’s total aggregate liability arising out of or in connection with the Platform or these Terms will not exceed the greater of (i) the total amount you paid to the Company (as distinct from amounts paid to Creators, which the Company does not retain) in the twelve (12) months preceding the event giving rise to the liability, or (ii) [EUR/USD 100].

The Company is not responsible for the acts, omissions, Content, or offerings of Creators or Members, for disputes between Users, or for the delivery, quality, or legality of any Community. These limitations do not apply to liability that cannot be limited under applicable law, including, where applicable, liability for death or personal injury caused by negligence, for fraud, or under mandatory consumer law.

13. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless the Company, its affiliates, and their respective officers, employees, and agents from and against any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Platform; (b) your Content or your Community; (c) your breach of these Terms or of any law; (d) your infringement of any third-party right; or (e) any dispute between you and another User, including a dispute between a Creator and a Member. We may assume the exclusive defence of any matter subject to indemnification, in which case you agree to cooperate.

14. Data Protection

Our collection and use of personal data is described in our Privacy Policy, which forms part of these Terms. Where a Creator processes personal data of their Members through the Platform for the Creator’s own purposes, the Creator is responsible for complying with applicable data-protection law in respect of that processing, including providing any required information to, and honouring the rights of, those individuals. The Company and the Creator will each comply with their respective obligations under applicable data-protection law and will enter into any further data-processing terms required by law.

15. Changes to the Platform and these Terms

We may modify the Platform, including adding, changing, or removing features, and may modify these Terms. If we make a material change to these Terms, we will provide reasonable notice (for example, by posting the updated Terms with a new effective date or by other reasonable means). Changes take effect as stated in the notice. Your continued use after changes take effect constitutes acceptance. Where we change prices or fees applicable to you, we will give notice as required by law and, for recurring charges, before the change applies to your next billing period. If you do not agree to a change, your remedy is to stop using the Platform and, where applicable, cancel your plan or Membership.

16. Governing Law and Dispute Resolution

These Terms are governed by the laws of Sweden, without regard to conflict-of-laws rules. Subject to any mandatory rights you have as a consumer, the courts of Stockholm, Sweden will have jurisdiction over any dispute arising out of or in connection with these Terms.

If you are a consumer resident in the European Union, you also benefit from the mandatory protections of the law of your country of residence and may be able to bring proceedings in your local courts. The European Commission provides an online dispute-resolution platform for consumers at http://ec.europa.eu/consumers/odr. We may also make available, or be required to participate in, other complaint or dispute-resolution mechanisms, which we will identify where applicable.

17. General

17.1 Entire agreement

These Terms, together with the Privacy Policy and any additional terms we present for specific features, are the entire agreement between you and the Company regarding the Platform and supersede any prior agreements on that subject.

17.2 Severability

If any provision is held invalid or unenforceable, the remaining provisions remain in full force, and the invalid provision will be replaced by a valid one that most closely reflects its intent.

17.3 No waiver

Our failure to enforce any provision is not a waiver of our right to do so later.

17.4 Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms, for example in connection with a merger, acquisition, or sale of assets, on notice to you.

17.5 Force majeure

We are not liable for any failure or delay caused by events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labour disputes, failures of third-party services or infrastructure, or governmental action.

17.6 Notices

We may give notices to you by posting on the Platform, by email to the address associated with your account, or by other reasonable means. You may contact us at gabriel@meplio.com.

17.7 Export and sanctions

You represent that you are not located in, and will not use the Platform in violation of, any applicable export-control or sanctions law, and that you are not on any relevant restricted-party or sanctions list.

17.8 Language

These Terms may be provided in English and, where required, in translation. In the event of conflict, and unless applicable consumer law requires otherwise, the English version prevails.

18. How to Contact Us

Company: STRUKT AB

Organisation number: 559389-8686

Registered address: Ärvingevägen 14, Stockholm, Sweden

General support: gabriel@meplio.com

Legal notices: gabriel@meplio.com

Website: www.meplio.com