Monetisation &
Creator Earnings Policy

01Overview & Scope

Eleva operates a platform economy that allows users to earn Eleva Tokens through content creation, content consumption (scroll/view), gifting activity, and ad revenue participation. Tokens may be used within the platform or, subject to the conditions in this Policy, converted to real currency and withdrawn to an external payment account.

This Policy covers all monetisation mechanisms available on Eleva:

• Token purchases via Google Pay;
• Earning tokens through scroll and content consumption;
• Earning tokens through content creation (feed posts);
• Receiving and sending gifts on the feed;
• Receiving and sending gifts during Live broadcasts;
• Ad revenue distribution between creators and consumers;
• Token withdrawal to real currency via Stripe.

This Policy applies to all Eleva users globally, with additional obligations for UK users under the UK Model Reporting Rules for Digital Platforms (MRDP) and HMRC reporting requirements.

02Eleva Tokens — Nature & Purchase

Purchasing Tokens

Tokens may be purchased using Google Pay through the in-app wallet. The price of tokens is displayed in your local currency before purchase. All prices include applicable taxes where required by law. Token purchases are processed by Google Pay; Eleva does not store your payment card details.

Token Value & Exchange Rate

The exchange rate between Eleva Tokens and real currency (for both purchase and withdrawal) is set by Eleva Platform Ltd and displayed in the App at the time of any transaction. Eleva reserves the right to adjust token pricing with 30 days' prior notice via in-app notification.

Tokens purchased at one rate may be withdrawn at a different rate if the rate changes between purchase and withdrawal. Eleva does not guarantee any particular exchange rate or token value over time.

Token Expiry

Tokens in your Available Wallet do not expire while your account is active. Tokens in Pending status are subject to the validation process described in Section 7. Upon account termination or closure, token balance treatment follows the Terms of Service Section 11 (Forfeiture — Differentiated Treatment). Purchased tokens are not automatically forfeited for non-fraud terminations. Consumer statutory rights under applicable law are preserved in all cases.

03How You Earn Tokens

Eleva distributes a portion of its advertising revenue to users who contribute to the platform's content ecosystem. There are three earning mechanisms:

3.1 Scroll & View Earnings (Consumers)

Users who scroll the feed and watch content — including advertisements — receive a small allocation of tokens derived from the advertising revenue generated by the ads they view. This is a retention reward for active platform participation. The per-view allocation is very small and varies dynamically based on:

• The total advertising revenue pool available at any given time;
• The number of active viewing users competing for that pool;
• The authenticated nature of the view (bot views and artificial engagement are excluded);
• The geographic location of the viewer (ad rates vary by country);
• Your account standing and compliance history.

Eleva makes no representation as to a minimum amount earnable per view. Scroll earnings are credited in Pending status and subject to validation before becoming available.

3.2 Post & Creation Earnings (Creators)

Users who create and publish content to the Eleva feed receive a share of advertising revenue generated by ads served within or adjacent to their content. Creator earnings are based on:

• Authentic views of your posted content;
• Engagement metrics (watch time, completion rate, interactions);
• The advertising revenue attributed to your content;
• Content compliance with Community Guidelines and Content Policy.

Views that Eleva determines to be artificially produced, self-generated, or obtained in violation of these Terms are excluded from earning calculations.

3.3 Live Earnings

Users broadcasting live may receive gifts from viewers. Live gift earnings are governed by Section 5 of this Policy.

3.4 Ambassador Referral Earnings

A 5% commission on direct referral transactions, as governed by the Ambassador Programme Terms.

04Gifts — Feed (80/20 Split)

Users may send virtual gifts to content creators directly from the feed using their Eleva Token balance. Gifts are a voluntary expression of appreciation and do not constitute payment for services or a contractual obligation of any kind.

Feed Gift Conditions

• Gift buttons are available on published feed posts;
• Minimum gift amount may apply as displayed in the App;
• The sender's token balance must cover the full gift amount;
• Gift receipts appear in both sender's and recipient's transaction history;
• Creators must have completed KYC verification to receive gifts above the 2-token threshold;
• Eleva reserves the right to withhold gift earnings pending fraud review.

05Gifts — Live Broadcasts (50/50 Split)

During Live broadcasts, viewers may send virtual gifts to the broadcaster in real time. Live gifting operates under a different revenue split than feed gifts.

Live Gift Conditions

• Live gifting is only available during active Live broadcasts;
• All Live gift mechanics operate identically to feed gifts in terms of token-only payment and KYC requirements;
• The higher platform fee (50%) reflects the real-time streaming infrastructure costs of Live;
• If a Live broadcast is terminated by Eleva due to policy violations, any pending gift earnings for that session may be withheld.

06Ad Revenue Share

Eleva distributes a portion of net advertising revenue (revenue from AdMob and any future advertising partners, after platform operating costs) to the Eleva community as follows:

Distribution Model

• Content creators (users who post videos) receive a share proportional to authenticated views and engagement on their content;
• Content consumers (users who watch and scroll the feed, including ad impressions) receive a small share as a retention reward;
• The exact percentage split between creators and consumers is set by Eleva and displayed in the App. It may be adjusted from time to time with 30 days' notice.

What "Net Advertising Revenue" Means

Net advertising revenue is gross revenue from ads served on Eleva, minus: platform infrastructure costs, payment processing fees, content moderation costs, and other operational costs as reasonably determined by Eleva. Eleva does not guarantee any minimum level of net advertising revenue or any minimum payout to any user.

Authenticity Requirements

Ad revenue share is calculated only on authentic, human-generated engagement. Views determined to be:

• Artificially produced or bot-generated;
• The result of click farms, automated scrolling, or any other artificial inflation;
• Self-generated (watching your own content from secondary accounts);
• Generated in violation of these Terms or the Community Guidelines,

are excluded from all revenue share calculations and may trigger a monetisation review or block (see Section 11).

07Pending Balance → Available Wallet Flow

All tokens earned through scroll rewards, post earnings, received gifts, and referral commissions are initially credited to your Pending Balance. They are not immediately available for use or withdrawal.

What Can Delay or Block Release

• Suspected bot activity or artificial view inflation;
• Active account investigation for Terms or Community Guidelines violation;
• Incomplete KYC verification where required;
• Technical reconciliation delays;
• Regulatory hold or law enforcement request;
• Dispute or chargeback related to associated token purchases.

08Cash Withdrawal (Payout to Real Currency)

8.1 Eligibility Conditions

To withdraw Available Wallet tokens as real currency, you must meet all of the following conditions simultaneously:

• Minimum balance: Available Wallet must contain a minimum of 100 (one hundred) Eleva Tokens at the time of withdrawal request;
• KYC verified: Your account must have a completed and approved KYC identity verification;
• Account in good standing: No active suspension, investigation, or monetisation block on your account;
• Stripe account: You must have accepted the Stripe Connected Account Agreement and provided a valid Payout Account (bank account or PayPal registered in your name);
• Tax information: Where required by applicable law, you must have completed any required tax declaration (see Section 10);
• Age: You must be at least 16 years of age; additional age restrictions may apply in certain jurisdictions.

8.2 Withdrawal Process

8.3 Withdrawal Fees

Eleva does not charge a withdrawal fee. However, Stripe may charge fees as set out in the Stripe Connected Account Agreement, and your bank or PayPal may charge receiving fees. These third-party fees are your responsibility and are not deducted from your token balance by Eleva.

8.4 Withdrawal Limits

Eleva and/or Stripe may set maximum withdrawal amounts per transaction or per time period. These limits will be displayed in the App and in your Stripe dashboard where applicable. Limits may be adjusted based on your verification level, account history, and applicable regulations.

8.5 Automatic Transfer

If you have an Available Wallet balance meeting the minimum threshold and have not initiated a withdrawal within 90 days of becoming eligible, Eleva may instruct Stripe to automatically transfer the eligible balance to your Payout Account.

09Payment Processing via Stripe

Cash withdrawal payment services are provided exclusively by:

Stripe Payments UK Ltd
Registered in England and Wales — Company No. 08480771
or
Stripe Payments Europe Limited
Registered in Ireland — Company No. 513174

(together "Stripe"), depending on your location.

Identity verification (KYC) required for withdrawal is conducted by Stripe Identity, a service of Stripe Payments UK Ltd (FCA authorised — FRN: 900461). See the KYC Disclosure Notice for full details.

What You Must Agree To

To receive cash withdrawals, you must accept the Stripe Connected Account Agreement (available at stripe.com/gb/legal). By initiating your first withdrawal, you confirm acceptance of the Stripe Services Agreement.

You authorise Eleva to:

• Pass payout instructions to Stripe on your behalf;
• Share information with Stripe necessary to provide payment services, including your verified identity, earnings amount, and payout account details;
• Provide any information to Stripe required for legal or regulatory compliance.

Stripe May Refuse or Delay Payment

Your withdrawal may be delayed, suspended, or rejected if:

• You have not accepted the Stripe Services Agreement;
• You have not provided valid, verified Payout Account details;
• Stripe terminates or suspends your Connected Account for any reason;
• Eleva instructs Stripe to hold your payout for legal or fraud review reasons;
• You are in breach of the Stripe Services Agreement or this Policy.

Eleva is not liable for delays or failures caused by Stripe's systems, policies, or decisions, provided Eleva has acted properly in submitting the payout instruction.

10Tax Obligations

United Kingdom — HMRC & UK MRDP

Eleva Platform Ltd is obligated to comply with the Platform Operators (Due Diligence and Reporting Requirements) Regulations 2023 (UK MRDP), effective from 1 January 2024. This means:

• Eleva will collect and verify tax identification information from users whose earnings meet HMRC reporting thresholds;
• Eleva will report qualifying earnings directly to HMRC on an annual basis;
• You will receive notification in-app if your earnings require tax reporting;
• You remain personally responsible for completing any Self Assessment tax return required by HMRC.

If your total income from all sources (including Eleva earnings) exceeds £1,000 in a tax year, you are required to register with HMRC for Self Assessment and declare that income. HMRC considers Eleva earnings as self-employment income. This is general information only. Tax obligations depend on your individual circumstances. You should consult HMRC guidance at gov.uk/hmrc or a qualified tax adviser to determine your specific filing requirements.

Where Eleva is required by law to withhold tax from your earnings and remit it to HMRC, it will do so and pay you the net amount. A record of any withholding will be available in your account.

European Union

EU users may be subject to equivalent digital platform reporting requirements under DAC7 (EU Directive 2021/514). Eleva will comply with applicable EU reporting obligations. You are responsible for declaring Eleva earnings to your national tax authority.

United States & Canada

US users may receive tax documentation (such as a 1099-K) from Stripe where applicable thresholds are met. Canadian users are subject to PIPEDA and applicable CRA reporting. You are responsible for all applicable tax filings in your jurisdiction.

VAT / Self-Billing

Where you are a taxable person for VAT purposes and VAT applies to your Eleva earnings, Eleva may issue a self-billing VAT invoice on your behalf at the time of payment, as permitted by applicable VAT law. By accepting this Policy, you agree to participate in Eleva's self-billing arrangement where applicable, and you undertake not to issue your own VAT invoice for the same supply.

Tax Indemnity

You agree to indemnify Eleva Platform Ltd against any claim, penalty, or demand from any tax authority arising from your failure to declare or pay taxes on Eleva earnings.

11Anti-Fraud & Monetisation Blocks

Eleva actively monitors all monetisation activity for fraud, artificial inflation, and abuse. The following actions will result in a monetisation block — suspension of earning, gifting, and/or withdrawal capabilities:

Eleva's Rights

Eleva Platform Ltd reserves the right, acting reasonably and in good faith, to:

• Place a monetisation block on any account where suspicious activity is suspected, without prior notice;
• Withhold, reverse, or forfeit any earnings it reasonably believes were generated through fraudulent conduct;
• Require additional identity verification before releasing withheld earnings;
• Report suspected financial crime to the National Crime Agency (NCA), HMRC, or other relevant authority as required by law.

Appeals

If your monetisation is blocked and you believe this is an error, contact earnings@elevaplatform.org within 14 days. We will respond within 10 working days. Eleva's decision on fraud matters is final where supported by system evidence.

12No Guarantees

Eleva makes no representation, warranty, or guarantee regarding:

• Any minimum amount of tokens earnable through scroll, posts, or gifts;
• The continuity of any earning mechanism — Eleva may modify, reduce, or discontinue any earning feature with 30 days' notice;
• Any particular token-to-currency exchange rate;
• The availability or uninterrupted operation of the Stripe payment service;
• The tax treatment of your earnings in any jurisdiction.

Any earnings received do not reflect or guarantee entitlement to future earnings. Past earnings are not indicative of future performance.

13Modifications to This Policy

Eleva Platform Ltd may update this Policy at any time. For material changes (including changes to revenue splits, payout thresholds, or earning mechanisms), we will provide at least 30 days' notice via in-app notification before changes take effect.

Your continued use of monetisation features after the effective date constitutes acceptance of the updated Policy.

14Governing Law & Contact

This Policy is governed by the laws of England and Wales and forms part of the Eleva Terms of Service. Nothing in this Policy overrides your statutory rights as a consumer under applicable law.