FNC is operated by FNC COLLECTIVE LLC, Nashville, Tennessee, United States (“FNC”, “we”, “us”). This Policy covers digital purchases, subscriptions, seller earnings and payouts and supplements our Terms & Policies and Privacy Policy. Only features enabled for your account and region are available. Announcements and countdowns do not create purchase, participation or reward entitlements. Mandatory consumer rights and applicable app-store rules prevail over conflicting provisions.

2. Eligibility and checkout

Buyers must have legal capacity and use an authorized payment method. Sellers must be at least 18 and complete required verification. Review the content description, seller identity where applicable, access duration, technical requirements, price, currency, taxes and recurring billing terms before confirming. Checkout and receipts identify the seller or merchant and billing channel. FNC’s marketplace role does not remove its responsibilities under applicable law. False identity, country, billing, tax or bank information is prohibited.

3. Prices and payments

Prices may vary by region, currency, channel and promotion. Applicable sales tax, VAT, GST or similar transaction taxes are included or added and disclosed before confirmation as required by law. Banks may separately charge currency-conversion or international fees. Paid access requires successful payment confirmation. Pending or failed payments are not completed orders. For an obvious pricing error, we will seek authorization for a corrected price or cancel and refund; no increased charge will be made without authorization. Keep your receipt and order ID.

4. Digital access and license

Paid recipes, books, courses and other digital materials provide the access and personal-use license described in the listing, not ownership of intellectual property. Do not resell, redistribute, share paid account access or copy beyond the permitted license. Access duration, download availability and compatibility follow the offer at purchase. Lifetime access is not promised unless expressly stated. For non-delivery, material defects, material misdescription or material loss of access during a promised period, contact us for applicable remedies, including repair, restored access, replacement, price reduction or refund as required by law. Educational content does not guarantee accreditation, employment or income unless expressly stated.

5. Refunds and withdrawal rights

Except where applicable law, checkout terms or app-store rules require otherwise, completed digital purchases are final and not refundable solely for a change of mind after delivery or access begins. This does not exclude remedies for duplicate charges, unauthorized transactions, non-delivery, defective content or material misdescription. Mandatory cancellation, withdrawal, warranty and consumer-protection rights remain available. Where immediate digital delivery requires express consent and acknowledgement of loss of withdrawal rights, these must be collected separately before delivery; reading this Policy alone is not consent. Apple- and Google-billed purchases follow their respective refund processes and rules; FNC cannot override store decisions. For FNC-billed purchases, contact info@fnc1.app with your order ID, date and issue. Never email full card details, passwords or tax identifiers. Approved refunds ordinarily use the original payment channel and are subject to provider processing times. Refunded access may be revoked. No deadline in this Policy limits statutory rights.

6. Subscriptions and trials

Where offered, subscription price, billing interval, benefits, trial conversion and renewal terms are disclosed before enrollment. Auto-renewal continues until cancelled through the billing provider before its stated renewal deadline. Uninstalling the app or deleting an account does not cancel an app-store subscription. Unless law or the offer requires otherwise, cancellation stops future renewal and access continues through the paid period; it does not automatically refund that period. Price changes require applicable notice and consent. This Policy itself creates no subscription price or trial offer.

7. Seller verification and obligations

Seller access depends on identity, business, tax and payout verification and supported locations. Sellers must own or license all rights needed to sell their content, provide accurate descriptions, disclose access limits and deliver promised content and support. Stolen content, misleading claims, fake sales and artificial earnings are prohibited. Sellers remain responsible for their business and tax obligations except where law assigns a duty to FNC or the billing provider. Verification is not accreditation or an income guarantee. Accepted seller terms and fee schedules also apply.

8. Earnings and seller commissions

Gross sales are not withdrawable earnings. Net earnings reflect the disclosed platform commission, allocated app-store or payment-processing charges under the accepted seller fee schedule, refunds, reversals, chargebacks, legally required taxes or withholding and specifically disclosed authorized adjustments. No charge may be counted twice. Founding Creator and other promotional commission rates apply only under their documented eligibility and duration; they do not automatically waive payout fees, store charges or taxes. Pending proceeds become available after collection, settlement and disclosed risk reviews or reserves. Statements distinguish pending, available and reserved balances and deductions. Earnings are not guaranteed.

9. Gold and Silver

Where enabled, eligible earned Gold is recorded at USD 1 per Gold for redemption, subject to verification, lawful adjustments and these payout conditions. Purchased Gold is for eligible in-platform purchases and is not cashable, except where law requires a remedy. Silver is a non-cash promotional balance for eligible in-platform benefits, not cash withdrawal. Purchased and earned balances must be recorded separately. These balances are not bank deposits, investments or cryptocurrency and earn no interest. Uses, transfer rules and any lawful expiry must be disclosed when issued; this Policy imposes no undisclosed expiry. Credit-funded refunds follow applicable law and disclosed terms without converting non-cash credits to cash unless required. Future contests and rewards require separate official rules.

10. Payout minimum and fee

The standard minimum request is USD 100 in available eligible earnings, equivalent to 100 eligible earned Gold where enabled. Purchased Gold, Silver, pending proceeds and disputed or reserved amounts do not count. The FNC payout fee is 1% of the approved gross payout and is separate from the seller commission. Example: a USD 100 approved payout incurs a USD 1 FNC payout fee, leaving USD 99 before legally required withholding or separately disclosed transfer, bank or conversion charges. Amounts and deductions must appear before request confirmation. Methods, currencies and countries depend on lawful provider availability; no universal payout method is promised.

11. Timing and bank information

Our standard processing target is within 7 calendar days after approval of an eligible request and completion of verification. Bank receipt may take longer; this is not an unconditional delivery guarantee. Missing documents, holidays, bank rejection, provider delays, disputes, fraud review or legal restrictions may cause delays. We communicate material delays where permitted. The bank account must belong to the verified seller or business. Sellers must provide accurate bank and bank-country details. Changes require account authentication and the verification presented in the product. Never share verification codes. Failed transfers are reconciled; returned funds are restored to the appropriate available balance less only actual, lawfully chargeable, previously disclosed costs. No undisclosed failed-transfer penalty applies.

12. Taxes and withholding

Buyer transaction taxes differ from seller income taxes. FNC or the applicable merchant or billing provider collects and remits transaction taxes where legally required. Sellers remain responsible for their own registrations, filings and taxes to the extent law imposes those duties on them. We may request W-9, W-8BEN, W-8BEN-E or other applicable documentation based on actual tax status and entity type. Payment reporting and withholding occur where required by law or valid governmental instructions. There is no universal withholding rate for all sellers. Missing or invalid documentation may delay payouts or trigger required withholding. A tax form does not guarantee treaty benefits or exemption. Obtain independent tax advice for your circumstances.

13. Refund adjustments, disputes and reserves

Refunds and reversals can reduce earnings from the affected sale, including after payout. Documented amounts owed may be offset against future earnings where lawful and permitted by accepted seller terms. Reserves and restrictions must be proportionate to identified risk, legal or provider requirements and do not forfeit legitimate earnings. Where permitted, we provide the reason, affected amount and a review route and release cleared or unaffected funds without unreasonable delay. Dispute adjustments at info@fnc1.app with the transaction reference. Buyers retain lawful rights to contact banks or billing providers about disputed charges; contacting FNC first is encouraged, not a condition of those rights. Fraudulent chargeback or refund claims are prohibited.

14. Regional restrictions

Transactions and payouts are subject to applicable sanctions, export controls, identity requirements and payment-provider rules. Unsupported or prohibited transactions may be restricted and necessary verification requested. Do not evade restrictions using false locations, other identities or accounts. Alternative or manual settlement is not promised where unlawful. Legally blocked funds are handled according to applicable law.

15. Account closure

Before closure, cancel subscriptions through their billing provider and contact us about unresolved purchases and eligible earnings. Closure or suspension does not erase valid payment, tax or refund obligations or automatically forfeit legitimate earned funds. Remaining earnings are reconciled and settled as law and provider rules permit; contact us for final settlement below the standard minimum. Transaction records may be retained as legally required and described in our Privacy Policy. Non-cash credits follow their disclosed terms and applicable law.

16. Changes and legal rights

Updates apply prospectively with a revised date and legally required notice and consent for material changes. They do not retroactively remove accrued rights or impose undisclosed fees on completed transactions. Tennessee law applies to the extent permitted by our Terms and applicable law, preserving mandatory consumer protections and access to competent courts in the consumer’s residence. Nothing excludes liability that cannot lawfully be excluded. Unenforceable provisions do not invalidate other lawful provisions.

17. Contact

Financial support: info@fnc1.app

Operator: FNC COLLECTIVE LLC

Location: Nashville, Tennessee, United States

Include your order ID and billing channel for purchase questions, or statement/payout reference for seller support. Never send passwords, full card details or sensitive verification documents by ordinary email. Use FNC’s secure submission method for requested documents.