Terms & Conditions

1. DEFINITIONS

1.1 “Company” means Lumos Tech – FZCO, legal entity code 39926, Dubai Silicon Oasis, DDP, Building A1, 39926 – 001, Dubai, United Arab Emirates (“Purple Cow”, “PCOW”, “we”, “us”, “our”).

1.2 “Platform” means pcow.io, app.pcow.io, all related subdomains, dashboards, portals, and Purple Cow mobile apps. Some modules, such as the publishing partner portals and mobile apps, are offered only where Purple Cow has released and enabled them for your account.

1.3 “Business” / “Brand” means a legal entity or individual using the Platform to create campaigns or publishing requests.

1.4 “Creator” means an individual account providing UGC content services through the Platform.

1.5 “Creator type” means UGC Creator (content for the Business’s own channels) or Influencer (content the Creator also posts to their own audience). “Tier” means an Influencer’s audience band: Nano, Micro, Macro or Mega. Purple Cow sets it from the Creator’s audience size, using verified follower counts where available, and may review it.

1.6 “Track” means UGC Creator, Expert UGC Creator, Influencer or Expert Influencer; “Level” means L1 to L4 within a track. Tracks and levels set what a Creator is paid for a job.

1.7 “Publishing Workflow” means the media publishing request workflow and related services (e.g., press releases, articles, distribution, placements, publications, and publishing packages).

1.8 “Publishing Partner” means a publisher/media outlet/platform/channel/vendor that fulfills publishing requests on the Platform.

1.9 “Distribution Partner” means an entity that receives publishing requests and distributes them to one or more Publishing Partners under its control.

1.10 “Campaign” means a Business-created request for UGC / Nano Influencer deliverables on the Platform.

1.11 “AI Campaign” means a Business request for AI-generated content where deliverables are produced by Purple Cow’s team or systems and delivered to the Business.

1.12 “Content” means any deliverables, files, videos, drafts, scripts, copy, publishing submissions, articles, media, images, and materials uploaded or produced through the Platform.

1.13 “Wallet” means a stored balance system inside the Platform for Businesses and Creators (credits, earnings, refunds, adjustments).

1.14 “Packs” means prepaid bundles of wallet credit sold through the Platform.

1.15 “Prices” means the amounts shown before you pay. A Business price includes Purple Cow’s fee.

1.16 “Paid-ad licence” means permission bought on the Platform to run approved Content in paid advertising for a set term (Section 9.5).

1.17 “TOS” / “Terms” means these Terms & Conditions.

2. ACCEPTANCE OF TERMS

2.1 By accessing, registering, browsing, or using the Platform or Services, you confirm you have read, understood, and agree to these Terms.

2.2 If you do not agree, do not use the Platform.

2.3 We will tell you about material changes to these Terms by email and inside the Platform at least 30 days before they take effect, and may ask you to accept them. If you keep using the Platform after that date, the new Terms apply. Changes required by law, or that only add features, may apply sooner. Other changes take effect when they are posted at pcow.io/terms-of-service.

3. PLATFORM ROLE & LIMITATIONS (VERY IMPORTANT)

3.1 Purple Cow is a technology marketplace and workflow platform. We facilitate connections, payments, workflow, approvals, and delivery tracking between user types.

3.2 Purple Cow is not:

the employer or agent of any Creator, Agency, Publishing Partner or Distribution Partner;

an agent of any Business;

responsible for external platform actions (social platforms, publishers, courier companies, payment gateways);

guaranteeing results, performance, reach, conversion, publication acceptance, or campaign outcomes.

3.3 Each user is solely responsible for their own actions, compliance, and obligations.

4. USER TYPES & ACCOUNT STRUCTURE

4.1 The Platform may include distinct portals and experiences:

Business portal (Video Mode and available publishing workflows)

Creator portal (UGC + Nano Influencer)

Publishing Partner portal

Distribution Partner portal

Admin portal (internal)

4.2 Purple Cow may restrict features by role, eligibility, verification, compliance, location, or risk signals.

5. ACCOUNT REGISTRATION & SECURITY

5.1 You must provide accurate, complete, and current information.

5.2 You are responsible for: maintaining account security; keeping credentials confidential; all activity under your account. To protect accounts we may require two-step verification, sign you out of all devices, or lock sign-in for a short time after repeated failed attempts.

5.3 Purple Cow may reject, suspend, limit, or terminate accounts at any time for risk, fraud, abuse, non-compliance, or operational reasons.

5.4 You may not create accounts to evade enforcement actions, bans, holds, restrictions, or negative trust signals.

6. ELIGIBILITY & VERIFICATION

6.1 Every user must be at least 18 and able to enter a binding contract. A person who opens an account for a business confirms they may bind it.

6.2 You must verify your email address and, when we ask, a mobile number (we send the code by WhatsApp). An account that is not verified by a date we announce may be put on hold until it is, and an account whose email address stays unverified may be deactivated. We may also require identity, business, licence or other verification.

6.3 Creators may be required to upload portfolio/featured videos and other information to determine eligibility, category, and levels.

6.4 Failure to pass eligibility review may result in rejection or limited access.

6.5 Levels are earned through completed work, ratings, on-time delivery and Purple Cow review; late delivery, no-shows, lost disputes and other events shown in the Platform cost points. The pay for a job is shown before you accept it and is fixed for that job. We may change level rules for future jobs. You can ask for a review of any level decision by emailing support@pcow.io; a person reviews it and we answer within 7 days.

7. CORE RULES (OFF-PLATFORM & CONTACT SHARING)

7.1 You may not attempt to bypass the Platform by: sharing phone numbers, emails, social handles, external links for negotiation/payment/delivery; moving payments or deliverables off-platform; negotiating outside the Platform to avoid fees.

7.2 The Platform may automatically detect and block contact-sharing attempts. Blocked messages may: not be delivered, show a warning, add trust penalties/blackpoints, trigger reviews or suspension.

7.3 Repeated violations may result in: account restrictions, wallet holds, permanent termination, forfeiture of balances where allowed by law and where fraud is involved.

8. CAMPAIGN TYPES & SERVICE FLOWS

8.1 Video Mode (UGC / Nano Influencer)

8.1.1 Business publishes a Campaign including requirements (duration, platform(s), language/dialect, gender preference, product type, on-site filming, etc.).

8.1.2 Creators may apply. Business may accept/reject applicants and hire selected Creators.

8.1.3 After hiring, creators deliver drafts through the Platform.

8.1.4 Business may approve or request edits according to Platform edit request options.

8.1.5 If Business approves the final deliverable, Creator becomes eligible for payout (subject to holds, disputes, fraud review).

8.1.6 A delivery is approved automatically if the Business does not approve it, request an edit or open a dispute within 3 days after it is submitted. An open dispute pauses this until the dispute is resolved. On posting campaigns, the Business must approve the video itself, and only the final delivery, after the posting proof is approved, can be approved automatically. Once a delivery is approved, by the Business or automatically, the Creator is paid, the clean file is released and any paid-ad licence starts.

8.1.7 On posting campaigns (where the Creator also posts the video on their own account), the Creator must publish the approved video on the agreed account, submit proof of the post through the Platform, keep the post live for at least 30 days after the proof is approved, and label it as advertising as the law and the social platform require. Payment is released only after the proof is approved, and Purple Cow may check that the post stays live. Creators must hold any permit the law requires them to hold, such as a Mawthooq licence in Saudi Arabia or an advertiser permit in the UAE, and Purple Cow may decline hires until a valid permit is on file. The Business remains responsible for the claims its advertising makes.

8.2 AI Campaigns (AI Generated Videos)

8.2.1 Business pays immediately for the AI Campaign (including all applicable fees shown at checkout).

8.2.2 Purple Cow produces the deliverable and delivers the ready-to-post output to the Business.

8.2.3 Purple Cow may use third-party tools/providers to generate content; however, Business receives final deliverable through the Platform.

8.2.4 Delivery timelines may vary; estimates may be shown but are not guaranteed.

8.2.5 Purple Cow grants the Business a perpetual, irrevocable, worldwide licence to use the final AI Campaign deliverable for any lawful purpose, including paid advertising. Purple Cow keeps ownership and may use it as set out in Section 13.3. Section 13.1 does not apply to AI Campaign deliverables.

8.3 Publishing Workflow (Business)

8.3.1 Business creates a publishing request containing brief, publishing targets, content, and selections (partner/distribution partner/package).

8.3.2 Depending on the Business’s selection: If Business selects a Distribution Partner, the request is routed to that partner portal. If Business selects a Publishing Partner directly, the request is routed to that partner portal.

8.3.3 Publishing and Distribution Partners manage fulfillment workflow inside their portals (accept, schedule, request revisions, publish, upload proof, etc.).

8.3.4 Purple Cow may provide internal review, ticketing, and dispute pathways.

9. FEES, PAYMENTS, WALLET, AND PAYMENT SPLITTING

9.1 Platform Fees

9.1.1 Prices are in US dollars unless the Platform shows another currency, and are shown before you pay. A Creator’s price is set by their track and level, may also depend on their country, and includes Purple Cow’s fee. Publishing a Campaign is free, but, unless Purple Cow agrees otherwise, your wallet must have been funded at least once before your first Campaign goes live. A publishing fee charged on a legacy Campaign under an earlier version of these Terms is not refundable.

9.1.2 Some features have fees, such as payment processing or bank transfer fees; any fee is shown before you confirm. We may change Prices and fees at any time; a change applies only to purchases you confirm after it is shown.

9.2 Wallet Usage (Business)

9.2.1 If you have wallet balance, it is applied first to the payable amount.

9.2.2 Split payment example: If wallet balance = $100 and total payable = $300: $100 is deducted from wallet; remaining $200 is charged via payment gateway.

9.2.3 Once wallet balance is used, it becomes zero unless topped up or credited later.

9.3 Wallet Earnings (Creator)

9.3.1 Creator wallet reflects earnings from work accepted/approved under Platform rules.

9.3.2 Wallet amounts may be held temporarily for fraud review, disputes, chargebacks, compliance checks, or legal obligations.

9.4 Chargebacks & Payment Reversals

9.4.1 If a Business initiates a chargeback or payment reversal: Purple Cow may pause related deliverables, freeze wallets and payouts, reverse credits or balances, require additional verification.

9.5 Paid-ad licences: A Business can add a paid-ad licence to a hire when it creates the Campaign, where the Platform offers it for the Creator’s country. The fee is a percentage of the video price for the chosen term (1, 2, 3, 6 or 12 months), is shown before you hire, and is paid with the hire. The licence starts when the final delivery is approved and ends at the end of its term. It covers paid ads run from the Business’s own advertising accounts, worldwide and non-exclusive. A licence can be renewed from the wallet at the price shown at renewal. When a licence ends, the Business must stop running the content in paid advertising (Section 13.1.3). Refunds follow Refund Policy §3.4. A Creator’s share of the licence fee is shown before they accept the job and is paid with it.

9.6 Creator payouts: We pay a Creator’s available balance automatically on the payout dates, normally twice a month, once it reaches the minimum shown in the wallet, to the payout method the Creator chooses. A verified, unexpired ID is required. Method fees are shown before you choose a method and are deducted from the payout, and we deduct any tax the law requires us to withhold. Payouts may be held as described in Sections 9.3.2 and 17.2. If you delete your account while your available balance is below the payout minimum, that balance is not paid out and is forfeited when the account is erased; a balance that has reached the minimum is paid out first, subject to this Section. The same applies when we delete an account under our data retention schedule, for example an account that has stayed deactivated for 24 months, after the warning email we send 30 days before.

9.7 Taxes: Prices exclude VAT and similar taxes unless stated otherwise. Where such a tax applies, it is added and shown on the invoice, and the Business pays it.

10. “FUND PURCHASE” (CREATOR PURCHASE FUNDING)

10.1 If a Business chooses Fund Purchase: Business pays an amount intended for the Creator to purchase the product/service.

10.2 Creator must upload Proof of Purchase (image/pdf) before proceeding.

10.3 Once proof is approved, the Creator receives the full funded amount.

10.4 If the Creator does not upload proof within 7 days of the funding, the funding is cancelled, the amount returns to the Business’s wallet and the hire is withdrawn.

10.5 Fraud or manipulation in proof-of-purchase may result in: denial of funds, account suspension, wallet freeze, permanent ban.

10.6 Business must be able to view proof-of-purchase after it is uploaded and validated (subject to redactions for privacy where appropriate).

11. SHIPPING PRODUCTS (BUSINESS → CREATOR)

11.1 If Business ships products: Business is responsible for product legality, packaging, courier choice, customs, and compliance.

11.2 The Platform may display: courier name, tracking number, estimated arrival date, shipping status.

11.3 Purple Cow is not liable for: late delivery, lost parcels, customs delays, duties/taxes, delivery failures.

12. CONTENT RULES, QUALITY, WATERMARKS, AND EDITS

12.1 Creators must deliver content that matches the campaign brief and Platform requirements.

12.2 Every draft carries a watermark until the Business approves the final delivery.

12.3 Business edit requests must be made through the Platform.

12.4 Each hire includes the revision rounds shown in the Campaign; the Business can buy extra rounds. Purple Cow may limit excessive revision cycles.

13. INTELLECTUAL PROPERTY & LICENSES

13.1 Ownership and use of approved content

13.1.1 The Creator keeps ownership of the content they create, including its copyright.

13.1.2 Once the Business approves the final delivery and payment is completed under Platform rules, the Creator grants the Business a worldwide, royalty-free, non-exclusive licence, with no time limit, to use, copy, edit and publish that content on the Business’s own channels without paid promotion — for example its social media accounts, website, apps, emails and in-store screens.

13.1.3 The Business may use the content in paid advertising — including boosted or promoted posts and ads run from the Business’s own advertising accounts — only while a paid-ad licence bought on the Platform for that content is active. The licence starts when the final delivery is approved and lasts for the number of months bought, and it can be renewed on the Platform before it ends. When it ends, the Business must stop running the content in paid advertising.

13.1.4 Unless agreed in writing on the Platform, no licence includes: ads run from the Creator’s own account, exclusivity, or raw footage.

13.1.5 Content approved before 6 October 2026 keeps the rights that applied when it was approved.

13.1.6 For Campaigns that Purple Cow runs as the brand, everything submitted to the Campaign is licensed to Purple Cow as set out in Section 13.3, and Purple Cow may also use it for any other purpose, with no time limit and no further payment. The Creator keeps ownership.

13.2 A Business, and any other user, may not use Content to train AI models or build datasets, analyse biometrics, or clone a person’s face or voice, unless the Creator agrees in writing on the Platform. Purple Cow does not clone a Creator’s face or voice from their Content without the Creator’s written agreement.

13.3 Each user grants Purple Cow a perpetual, irrevocable, worldwide, royalty-free, non-exclusive, sublicensable licence to use, copy, store, edit, adapt, translate, publish, display and distribute any Content submitted, uploaded or delivered through the Platform, in whole or in part, in any media and format now known or later developed, including paid advertising, to operate, improve, market and promote the Platform and Purple Cow. This licence continues after a Campaign ends and after the account is closed. Purple Cow may let its service providers and agencies use the Content for these purposes.

13.3.1 Each Business also allows Purple Cow to use its name and logo to identify it as a customer of the Platform.

14. PUBLISHING WORKFLOW SPECIFIC TERMS

14.1 Routing & Ownership

14.1.1 Business selects either: a Publishing Partner directly, or a Distribution Partner that controls multiple partners, or a package that includes multiple outlets.

14.1.2 Distribution Partner is responsible for distributing requests to the correct partners under its control.

14.2 Publication Outcomes

14.2.1 Publishing acceptance is subject to: editorial review, publisher standards, policy compliance, legal compliance.

14.2.2 Purple Cow does not guarantee publication acceptance unless explicitly stated as “guaranteed placement” under a package term shown at checkout.

14.3 Publishing Deliverables & Proof

14.3.1 Publishing or Distribution Partner must submit: publication URL or proof, scheduled date/time (if applicable), screenshots or confirmation evidence (if required).

14.4 Publishing Refund Eligibility

Refunds depend on: the publishing partner’s policies, whether the request entered production, whether publication is completed, the Refund Policy rules.

15. DISPUTES, TICKETS, AND ADMIN REVIEW

15.1 The Platform includes a ticketing system for: disputes, quality issues, payment conflicts, publishing fulfillment disagreements, shipping or funding purchase disputes, policy violations.

15.2 Purple Cow may: review content, review messages and flagged attempts, request evidence, restrict accounts, resolve disputes using internal policies.

15.3 Purple Cow may request limited access permissions to view relevant activity for dispute resolution (where applicable in the product).

15.4 Purple Cow decisions may be final where necessary to protect platform integrity, prevent fraud, or comply with legal obligations.

16. PROHIBITED CONTENT & BEHAVIOR

You must not use the Platform for:

illegal content

pornography/adult services

hate speech

harassment

fraud/scams

impersonation

spam/phishing/malware

fake identity or fake engagement

deepfake identity content unless disclosed and approved

off-platform coordination and payments

17. SUSPENSION, TERMINATION, AND ENFORCEMENT

17.1 Purple Cow may suspend/terminate accounts at any time for: fraud suspicion, policy violations, chargeback abuse, off-platform attempts, repeated low-quality delivery, legal/regulatory risk.

17.2 Wallet balances may be held where: required by law, necessary to investigate fraud, needed to resolve disputes/chargebacks.

17.3 Some measures are applied automatically, for example: points for late delivery or no-shows, suspension of a Business account after a card chargeback on a hire, and penalties for misusing the campaign assistant. You can appeal any measure with “Ask for a review” where the Platform shows it, or by emailing support@pcow.io from your account email; a person reviews every appeal and we answer within 7 days.

18. DISCLAIMERS

18.1 Purple Cow provides the Platform “as is” and “as available”.

18.2 We do not guarantee: campaign results, performance, reach, conversion, placements, publication speed, creator response rates.

19. LIMITATION OF LIABILITY

19.1 Purple Cow is not liable for indirect, consequential, or punitive damages.

19.2 Each party’s total liability to the other is limited to the lesser of: US$20,000, or the amount the user paid to or earned through the Platform in the 12 months before the claim. This limit does not apply to amounts a user owes under these Terms, including payments, chargebacks and the indemnities in Section 20. Nothing in these Terms limits liability for fraud, wilful misconduct, or anything the law does not allow to be limited.

20. INDEMNITY

20.1 Creators indemnify Purple Cow for claims arising from: content infringement, illegal behavior, misrepresentation, breach of obligations.

20.2 Businesses indemnify Purple Cow for claims arising from: products/services legality, ad compliance, misleading briefs, infringement in brand assets, publishing claims or publication disputes.

20.3 Publishing and Distribution Partners indemnify Purple Cow for: publication compliance, fulfillment failures caused by their actions, any third-party claims caused by their deliverables.

21. GOVERNING LAW

These Terms are governed by the laws of: the Emirate of Dubai, and applicable federal laws of the UAE.

22. ARBITRATION (DIAC)

22.1 Disputes shall be resolved by binding arbitration under DIAC rules unless otherwise required by mandatory law.

22.2 Claims must be individual only (no class actions).

22.3 This Section does not stop an individual from bringing a claim in their local courts where mandatory law gives them that right.

23. CONNECTED SOCIAL ACCOUNTS & AUDIENCE VERIFICATION

23.1 Where the Platform offers it, Creators may connect Instagram, TikTok, YouTube, Facebook Page or Snapchat accounts to their profile through the platform's official login. You may connect only accounts that you own and control and on which you actually publish. Connecting another person's account, a shared or managed account without authority, or an account bought or created for the purpose of connection is prohibited.

23.2 By connecting an account you authorise Purple Cow to read that account's public profile, follower or subscriber counts, audience insights and recent public posts, as described in the Privacy Policy. Access is read-only: Purple Cow never posts, messages, follows or changes anything on a connected account. You can disconnect an account at any time; instructions are at https://pcow.io/data-deletion.

23.3 Where a platform can be connected, eligibility, tier and pricing use the count read from the connected account. Where it cannot be connected yet, you may, where the Platform allows it, enter your handle and follower count; it counts only once we have reviewed and approved it, and we may ask you to connect later. False figures are a breach of Section 23.5.

23.4 Verified follower counts and a “Verified” indicator read from connected accounts are shown to Businesses. Audience authenticity indicators and the underlying metrics are internal to Purple Cow and are not shown to Businesses or other Creators.

23.5 Artificially inflating an audience — purchased followers, likes, views or comments, engagement pods, bots, or presenting a bought audience as organic — is a material breach of these Terms. Purple Cow may review audience authenticity using platform-reported metrics together with human review and may, in proportion to the findings, decline or cancel campaign matches, withhold audience-based pricing, require re-verification, or apply the measures in Section 17 (Suspension, Termination, and Enforcement). No such measure is taken solely by automated means, and you may contest it under Section 15 (Disputes, Tickets, and Admin Review). Separately, your tier can be lowered automatically when a connected account lapses or is removed, and adding an account can start a review of your tier. You can ask for a review by a person under Section 15, and we answer within 7 days.

23.6 YouTube: Purple Cow uses YouTube API Services. By connecting a YouTube channel you agree to be bound by the YouTube Terms of Service (https://www.youtube.com/t/terms) and acknowledge the Google Privacy Policy (https://policies.google.com/privacy). You can revoke Purple Cow's access to your Google data at https://security.google.com/settings/security/permissions.

23.7 Your use of Instagram, Facebook, TikTok and Snapchat remains subject to those platforms' own terms. Purple Cow is not affiliated with, sponsored by or endorsed by Meta, TikTok, Google or Snap, and is not responsible for changes those platforms make to the data they provide.

23.8 Where the Platform offers it, a Business may connect only its own Instagram, TikTok, YouTube, Facebook or Snapchat accounts. Access is read-only. A linked social account is used as proof of business, so at least one must stay linked. A Business can disconnect an account’s access at any time, but cannot remove its last linked account.

24. AGENCIES

24.1 An Agency (a creator agency or a brand agency) manages Creators or Businesses that have agreed to it inside the Platform by accepting its invitation. An Agency acts only for its own members.

24.2 A creator agency can see its members’ names, contact details, earnings, balances and payout requests.

24.3 Each Creator is paid into their own wallet, never the Agency’s.

24.4 Arrangements between an Agency and its members are between them; Purple Cow is not a party to them.

25. REVIEWS, PROFILES AND COMMUNITY

25.1 Reviews must be honest. Ratings are shown on public profiles, and reviews can be read by signed-in users. We may hide or remove abusive or fake reviews, and you can report one to support@pcow.io.

25.2 Creator and Business profiles are public and may appear in search engines.

25.3 The community feed (Purple Circle) follows Section 16. Purple Cow may moderate it, including reviewing posts before they appear.

26. REWARDS AND REFERRALS

26.1 Rewards are wallet credit for referrals and, where a reward programme offers them, for posts. Purple Cow sets the amounts, caps, eligible countries and conditions, may change them for the future, and shows the reward amount in the Platform.

26.2 Posts about Purple Cow must be labelled as advertising where the law requires.

26.3 Purple Cow may reverse a reward obtained through fraud or in breach of these Terms and deduct it from the wallet.

27. CONTACT

Email: hello@pcow.io

Support and appeals: support@pcow.io

Refunds: refunds@pcow.io

Privacy and data requests: legal@pcow.io

Phone: +971 50 791 5299

Address: Dubai Silicon Oasis, DDP, Building A1, Dubai, United Arab Emirates