Terms of Service

1. Who we are, and who these terms bind

vybe is operated by VYBE LTD, a private limited company registered in England and Wales under company number 17295820, registered office 128 City Road, London, United Kingdom, EC1V 2NX. In these terms "we", "us" and "vybe" mean VYBE LTD.

Three groups use vybe, and the terms that apply to you depend on which you are:

• Creators — people and businesses running a page and selling memberships. Parts A, B and D apply to you. This is a commercial contract between two businesses.
• Members— people who buy a membership to a creator's page. Parts A, C and D apply to you. If you are a consumer, nothing here removes your statutory rights.
• Visitors — anyone browsing joinvybe.co. Parts A and D apply to you.

Using vybe means you accept these terms. If you do not, do not use it.

You must be 18 or over to hold a vybe account, whether as a creator or as a member, and you must have the legal capacity to enter into a contract to buy or sell a membership. vybe is not intended for under-18s. If we learn that an account belongs to someone under 18, we will close it. Where it is a member's account, the creator can be asked to refund at their discretion — vybe never issues refunds itself, and any refund comes out of the creator's own balance.

2. What vybe is — and is not

vybe is software. It gives a creator a page, a way to publish content and programmes, a community, a membership structure, and a route to take payment. That is the whole of what we supply.

vybe is not the seller of a membership. When a member pays, they pay the creator. The contract for the membership — what is included, what it costs, whether it is any good — is between the member and the creator. We are not a party to it.

We do not vet, endorse or verify creators, their qualifications, or the content they publish. We do not provide coaching, training or nutritional advice.

3. Accounts and signing in

Members sign in with a one-time code sent to their email address. There is no password to lose. Keep access to your email secure — anyone who can read it can sign in as you.

Creators and their staff sign in with an email address and a password. Keep it to yourself, use a strong one, and tell us straight away if you think someone else has it.

One sign-in can belong to several creators' pages. Leaving one page does not sign you out of another.

You are responsible for what happens under your account.

4. Acceptable use

Do not use vybe to:

• break the law, or help anyone else to
• publish content that is illegal, defamatory, harassing, hateful, sexually explicit, or that infringes someone else's rights
• impersonate anybody, or misrepresent your qualifications
• make claims about health, weight loss, supplements or earnings that you cannot substantiate
• share your login, or resell, redistribute or republish a creator's content without their permission
• attempt to break, overload, scrape or reverse engineer the platform, or get at data that is not yours
• process payments for anything other than the membership you are actually selling

We can remove content and suspend accounts that breach this. For creators, see section 11 for what that means for your money.

Sexually explicit content is not allowed

Do not publish sexually explicit or pornographic content on vybe. This applies to imagery, video, audio, text and live streams alike.

The reason is commercial, not moral. vybe's payments run on Stripe, and Stripe prohibits adult content. One page breaching this puts payments at risk for every creator on the platform, not only the account that did it. That is why there is no version of it we can allow.

We may remove content, and suspend or terminate a page, for breach of this.

Mature content must be rated

vybe is a fitness and learning platform, and plenty of legitimate content is still not suitable for every viewer — physique and transformation photography, posing, frank coaching on libido, hormones or postnatal recovery, strong language, graphic injury or rehabilitation imagery, and frank discussion of disordered eating.

That content is allowed. It has to be marked. From [MATURE CONTENT RATING LAUNCH DATE], creators must mark any page or item of that kind as mature. Marked content will be hidden from anyone who has not confirmed they are 18 or over, and will be excluded from public previews, share images and discovery.

Rating your own content honestly is your responsibility, not ours. We may re-rate or remove content, and we may suspend a page for persistent mis-rating.

5. Availability

We work to keep vybe running, but we do not promise it will be available without interruption. We rely on other providers — hosting, database, email, payments — and their outages become ours. We may take the platform down for maintenance, and we will avoid doing it at a bad time where we can.

We do not offer a uptime guarantee or service credits. If that changes, it will be written here rather than promised in a conversation.

6. Creators: you sell, we provide the software

Your members are your customers. You decide what to charge, what to include, who to accept, and how to look after them. You are the seller and, for tax purposes, the business making the sale. You are responsible for:

• your own tax, including income tax, corporation tax and VAT, on what your members pay you
• your own terms with your members, and your own privacy information for them
• the accuracy of what you publish, and any qualification, insurance or registration your work requires
• delivering what you said you would deliver

We are not your employer, partner, or agent, and nothing here creates a joint venture between us.

7. Creators: our fee

We take a percentage of each membership payment as a platform fee. The rate that applies to your page is shown in your panel; the standard rate is [PLATFORM FEE]. The fee is taken automatically at the point of payment, before the money reaches your balance — you are never invoiced for it separately.

Stripe's own processing fees are separate and are charged to you by Stripe under your agreement with them. They are not ours and we do not set them.

VYBE LTD is not currently registered for VAT, so no VAT is added to our fee. If we become VAT registered we will tell you before VAT is charged. [SUBSCRIPTION FEES] — whether any plan fee applies in addition to the platform fee must also be stated here.

We can change our fee on [NOTICE PERIOD] notice to you. If you do not accept the new rate, you may close your page under section 10 before it takes effect.

8. Creators: payments and payouts

Payments run through Stripe Connect. To take money you must open a Stripe Express connected account and accept Stripe's terms, including the Connected Account Agreement. That is a contract between you and Stripe; we cannot vary it.

Charges are made directly on your connected account. Your members' money is yours from the moment it settles, and it sits in your Stripe balance — not in a vybe account. Payouts to your bank run on Stripe's schedule, except where section 10 or 11 applies.

We cannot see or store your members' card details, and neither can you. Checkout is hosted by Stripe.

If Stripe restricts, suspends or closes your connected account, you will not be able to take payments through vybe. That is their decision under their agreement with you.

9. Creators: refunds and chargebacks

Read this section carefully. It is the one creators most often misunderstand.

Refunds are yours to give

vybe never issues a refund on your behalf. There is no automatic refund anywhere in the platform. If a member should be refunded, you decide that, and you do it in Stripe. It is your money and your customer relationship.

Refunds and chargebacks come out of your balance

Because charges are made directly on your connected account, a refund or a chargeback is drawn from your Stripe balance, not ours. Chargeback fees charged by Stripe are also yours.

We keep our platform fee on a refunded payment

If you refund a member, our platform fee on that payment is not returned to you. We are stating it plainly rather than leaving you to discover it: the fee was earned when the payment was processed, and refunding your customer is your commercial decision, not a reversal of our service. Budget for it when you decide whether to refund.

A negative balance is your debt

If refunds or chargebacks take your Stripe balance below zero, you owe that amount. Where vybe has to cover a shortfall on your account, you must repay us on demand, and we may recover it from any money of yours we hold or that later becomes payable to you.

10. Creators: closing your page, and the hold on your funds

You can close your page at any time. The owner requests it and confirms by typing the page slug. Closing is a wind-down, not a switch — here is exactly what happens, and what happens to your money.

Your members are served out

Every subscription is cancelled at the end of the period already paid for. Nothing renews. Members keep the access they have already paid for until that period ends, and then it stops. No refunds are issued, because nothing is owed back — members receive what they bought.

Your page stops selling immediately

Checkout, gift purchases and free joins are refused from the moment closure is requested. You can still sign in, message your members and export your data. You cannot take money, sell, or add team members.

Your payouts are switched to manual and held

You agree that, on closure, we may set your connected account's payouts to manual and hold back funds in your Stripe balance as set out below. This is a term of using vybe, and by opening a page you agree to it.

The amount held back — the reserve — is:

Why: your members can dispute a card payment for roughly 120 days after it was taken. If your balance is empty when a dispute lands, the shortfall falls on vybe. Holding a reserve against obligations you have not yet delivered is what makes it possible for us to let anyone take money on the platform at all.

What is released, and when

Everything above the reserve is released to you. A daily process recalculates it, so as each period is served out the reserve shrinks and money is paid to you progressively — a page with monthly members typically sees most of its balance within weeks, not at the end.

The final release happens 120 days after the end of the last period your members paid for. Not 120 days after you asked to close — the clock runs from the last paid period, because the last payment taken is the one most likely to be disputed. If a later charge or period end appears, that date moves forward.

We hold your money for no longer than that, and no more of it than the reserve. We do not earn interest on it for our own account. [SOLICITOR: CONFIRM WHETHER ANY STATEMENT ABOUT INTEREST OR CLIENT MONEY IS REQUIRED]

What stops it completing

A page closes only when the wind-down date has passed, there are no open disputes, and your balance is not negative. A negative balance blocks completion and is escalated to us to deal with — the account stays in wind-down rather than closing with the shortfall unaddressed.

Changing your mind

You can reactivate at any point before closure completes. Your tiers and your payout schedule come back. Your members' subscriptions do not. They were cancelled at Stripe and cannot be resurrected; those members would have to join again.

What happens at the end

Your page is archived, and your members' personal data is erased — the same erasure described in our Privacy Policy. Anonymised financial records are retained for tax. You should export anything you want to keep before that point.

11. Creators: suspension and termination by us

We can suspend or close a page if it breaches these terms, if it is being used unlawfully, if Stripe requires it, or if we reasonably believe there is fraud. Where a closure is forced by us, the wind-down and hold in section 10 apply in the same way — including serving out your members.

We may hold funds beyond the ordinary reserve where there is an unresolved dispute, a suspected fraud, or an unexplained spike in payments shortly before a closure request. We will tell you why.

We may stop offering vybe. If we do, we will give you reasonable notice and a means of exporting your content and member list before it stops.

12. Creators: your content

Your content stays yours. Programmes, videos, posts, plans, branding — we claim no ownership of any of it.

To actually show it to your members, we need permission to handle it. You grant vybe a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, adapt for formatting and display, and transmit your content, for the sole purpose of operating your page and providing the platform to you and your members. The licence lasts as long as your content is on vybe, plus the short period needed to remove it from backups.

We will not use your content to promote vybe without asking you first. You confirm you have the rights to everything you upload, including music, images and anything featuring other people.

13. Creators: your members' data

For your members' personal data, you are the controller and vybe is the processor. You decide what is collected and why; we process it to provide the platform, on your instructions.

In summary, we will:

• process members' personal data only to provide the platform, and as the law requires
• keep it confidential and limit access to those who need it
• keep appropriate security measures
• use the sub-processors listed in our Privacy Policy
• help you respond to members' requests, and give you the tools to do it yourself
• tell you without undue delay if there is a personal data breach affecting your members
• delete or return the data when your page closes

You must have your own lawful basis for what you do with your members' data, give them their own privacy information, register with the ICO if you are required to, and answer their requests.

[SOLICITOR: CONFIRM WHETHER A SEPARATE UK GDPR ARTICLE 28 DATA PROCESSING AGREEMENT IS REQUIRED RATHER THAN THIS SUMMARY]

14. Creators: your team

vybe has three staff roles, and the boundary between them is money and personal data:

You are responsible for who you give access to and what they do with it. Adding somebody as an admin gives them your members' personal data — that is a data protection decision, not just an operational one.

15. Creators: liability and indemnity

This section applies between vybe and creators, who are contracting as businesses. It does not affect the statutory rights of members who are consumers.

We provide vybe as it is. We do not promise it will be uninterrupted, error-free, or that it will make you any particular amount of money.

We are not liable for loss of profit, loss of revenue, loss of business, loss of goodwill, or indirect or consequential loss. Our total liability to you is limited to [LIABILITY CAP].

Nothing limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot lawfully be limited.

You will indemnify us against claims arising from your content, your dealings with your members, your breach of these terms, or your failure to meet your obligations as a data controller.

[SOLICITOR: REVIEW THIS SECTION CLOSELY — CAP, EXCLUSIONS AND INDEMNITY SCOPE ARE ALL COMMERCIAL DECISIONS]

16. Members: who you are buying from

When you join a paid membership, you are buying from the creator, not from vybe. They set the price, decide what is included, and are responsible for delivering it. Your contract for the membership is with them.

vybe provides the software and takes a percentage of the payment as a platform fee. If your membership is not what you were promised, the creator is who you take that up with. If you cannot get a response from them, tell us at hello@joinvybe.co — we cannot decide the dispute for you, but we would rather know.

Payment is taken by Stripe on the creator's behalf. Your card details never reach vybe.

17. Members: price, renewal and cancelling

The price and billing period are shown before you pay. Memberships are recurring — they renew automatically at the end of each period until you cancel. Where a creator offers a free trial, the length is shown at checkout and billing starts when it ends.

You can cancel at any time. Cancelling stops the next payment; it does not end the period you have already paid for, and you keep your access until that period runs out.

Refunds are the creator's decision.vybe does not issue refunds and cannot issue one on a creator's behalf. Ask the creator.

If a payment fails, your membership may enter a grace period before access stops. A creator's owner or admin can also end a membership — that stops future billing, and money already taken is theirs to decide about.

18. Members: if a creator closes their page

Creators can close down. When one does:

• Your subscription is cancelled at the end of the period you have already paid for.
• You keep access until that period ends. You are not cut off the day they decide to leave.
• Nothing renews after that.
• No refund is issued, because you receive everything you paid for.
• You will be told the date your access ends.
• When the wind-down finishes, your personal data on that page is erased — see our Privacy Policy for exactly what that does and does not remove.

If the creator reactivates the page later, your subscription does not come back automatically. You would need to join again.

19. Members: access, not ownership

A membership gives you a personal, non-transferable right to access the creator's content while your membership lasts. You do not own it, and you do not get a licence to use it beyond your own personal use.

Do not share your login, download and redistribute content, repost it, or use it to run your own coaching. The content belongs to the creator, and they can end your membership if you do.

Creators can change or remove content. Anything you personally created — your posts, your logged workouts — remains yours.

20. Members: community conduct

Creator communities are shared spaces. Be decent in them. No harassment, no hate, no spam, no promoting your own business without permission, and nothing illegal.

Creators moderate their own communities and can remove posts or members. If you delete your account, your posts are emptied of their content and your name is removed, but the threads other people wrote underneath survive — their words are not yours to delete.

21. Members: fitness content is not medical advice

Training programmes, nutrition plans and coaching on vybe come from creators, not from us. We do not check their qualifications and we do not review what they publish.

Nothing on vybe is medical advice. Exercise carries risk of injury. If you have a health condition, are pregnant, are recovering from injury, or have not trained in a while, speak to a doctor before starting. Stop if something hurts.

You take part at your own risk, and you are responsible for your own health decisions.

22. Members: your account and your data

From your account you can export a copy of your data and delete your account. Deleting your account is not the same as cancelling a paid membership — cancel first, or you may keep being billed by Stripe.

What deletion removes, what is kept as anonymised accounting records, and what Stripe keeps its own copy of, are all set out in our Privacy Policy. It is worth reading before you rely on it.

23. Changes to these terms

We may update these terms. If a change materially affects you, we will give you [NOTICE PERIOD] notice by email or in the product. Continuing to use vybe after a change takes effect means you accept it. If you do not, close your account — for creators, under section 10.

24. Governing law

These terms are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction. If you are a consumer resident elsewhere in the UK, you may bring proceedings in your own local courts, and you keep the protection of the mandatory law of where you live.

25. Contact

Email hello@joinvybe.co. We aim to respond within [SUPPORT RESPONSE TIME].

VYBE LTD, 128 City Road, London, United Kingdom, EC1V 2NX. Registered in England and Wales, company number 17295820.