Terms of Service

Loft is a software platform that helps brands and agencies (“Brands”) organize user-generated content (UGC) campaigns with content creators (“Creators”). Brands create briefs, invite Creators, review submissions, and pay Creators. Creators accept invites, deliver videos, and get paid.

Loft is a software tool, not a party to the deal. We do not employ Creators, we do not hold campaign funds in escrow, and we do not guarantee that any Brand will pay or that any Creator will deliver. The contract for any specific campaign is directly between the Brand and the Creator.

To use the Service, you must:

• Be at least 18 years old (or the legal age of majority where you live).
• Have the legal authority to enter into these Terms.
• If you're using Loft on behalf of a company or agency, represent that you're authorized to bind that entity to these Terms.
• Not be barred from using the Service under applicable law (e.g. U.S. sanctions lists).

You're responsible for maintaining the confidentiality of your account credentials and for all activity that happens under your account. Use a strong password, don't share it, and enable two-factor authentication when offered. Notify us immediately at security@tryloft.co if you suspect unauthorized access.

We may suspend or terminate accounts that violate these Terms, abuse the Service, or pose a security or legal risk.

If you use Loft as a Brand, you agree to:

• Provide accurate campaign briefs, deliverable requirements, pay rates, and deadlines.
• Review Creator submissions in a reasonable timeframe (we recommend within 7 days).
• Pay Creators promptly for approved deliverables according to the terms you set at the start of each campaign. Loft does not hold or disburse funds — you pay Creators directly via your chosen method (bank transfer, PayPal, Venmo, etc.).
• Have the necessary rights to all materials you upload (logos, brand assets, briefs) and not infringe any third-party rights.
• Comply with all applicable laws and advertising regulations, including the FTC's endorsement guides for sponsored content in the United States.

If you use Loft as a Creator, you agree to:

• Deliver original content that you own or have full rights to use (no copyrighted music, footage, or imagery without proper licensing).
• Comply with the campaign brief, including content requirements, deadlines, and revision requests.
• Disclose paid partnerships in accordance with applicable law, including the FTC's endorsement guides (#ad, #sponsored, etc.) when posting content publicly.
• Not submit content that is illegal, defamatory, hateful, sexually explicit, discriminatory, or otherwise objectionable.
• Not impersonate another person or misrepresent your affiliation with any brand.

How payments work

Loft tracks campaign progress and generates invoices when a Brand approves a Creator's final deliverable. The Brand pays the Creator directly through their preferred method (bank transfer, PayPal, Venmo, Stripe, etc.) and marks the invoice as paid in the Loft app for record-keeping. We don't collect or disburse campaign funds.

If a payment doesn't arrive

Because Loft isn't a party to the payment, disputes are between you and the other party to the campaign. If you're a Creator and a Brand hasn't paid an approved invoice within a reasonable time, reach out to the Brand directly through campaign chat. We may (at our discretion) suspend Brands that consistently fail to pay, but we don't guarantee recovery of unpaid amounts.

Loft fees

Loft charges Brands a subscription fee for use of the platform. Current pricing is shown on the Settings → Billing page. Fees are billed in advance and are non-refundable except where required by law. Subscription plans renew automatically until canceled.

Taxes

You're responsible for any taxes, withholdings, or fees due on payments made or received through the Service. Loft does not provide tax advice or issue tax forms on behalf of Brands or Creators.

Your content

You retain ownership of all content you upload to Loft — videos, briefs, messages, brand assets, and so on (“User Content”). By uploading User Content, you grant Loft a worldwide, royalty-free, non-exclusive license to host, store, display, and transmit it as needed to provide the Service. This license ends when you delete the content or your account (subject to backup retention).

Content between Brands and Creators

The rights to deliverable content (the videos a Creator submits for a campaign) are governed by the agreement between the Brand and the Creator. Loft doesn't take a position on how those rights are divided — but unless your campaign brief says otherwise, the default is: the Brand receives a perpetual, royalty-free license to use the delivered content for marketing, advertising, and promotional purposes; the Creator retains authorship and the right to use the content in their portfolio. Negotiate explicit terms in your brief if you need something different.

Our content

Loft owns the Service itself — the software, designs, logos, and all related intellectual property. You may not copy, modify, reverse-engineer, or create derivative works of the Service without our written permission.

You agree not to:

• Use the Service for any illegal purpose.
• Harass, threaten, or defraud other users or third parties through the Service.
• Upload or transmit malware, scrape the Service, or attempt to disrupt or compromise it.
• Reverse-engineer or otherwise attempt to extract source code.
• Use the Service to send spam or unsolicited bulk communications.
• Bypass invoice generation by paying Creators outside the platform for completed work and falsely marking invoices as unpaid (Brands).
• Submit deliverables generated by another Creator and pass them off as your own (Creators).

You can delete your account at any time from your settings. We may suspend or terminate your account if you violate these Terms or if continued service would expose Loft to legal or reputational risk. Sections that by their nature should survive termination (payment obligations, content rights you've granted, limitations of liability, dispute resolution) survive.

The Service is provided “as is” and “as available” without warranties of any kind, whether express or implied. Loft disclaims all warranties, including merchantability, fitness for a particular purpose, non-infringement, and any warranties arising out of course of dealing or usage of trade. We don't warrant that the Service will be uninterrupted, error-free, or secure.

To the maximum extent permitted by law, Loft and its officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost data, or business interruption, arising out of or related to the Service — even if advised of the possibility of such damages.

In jurisdictions that don't allow the exclusion of certain damages, our total liability for any claim arising out of or related to the Service is limited to the greater of (a) the amount you paid Loft in the 12 months before the event giving rise to the claim, or (b) USD $100.

You agree to defend and indemnify Loft against any third-party claims, damages, and expenses (including reasonable attorneys' fees) arising out of your use of the Service, your User Content, or your breach of these Terms.

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. Any dispute arising out of or related to these Terms or the Service will be resolved exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of those courts.

We strongly prefer to resolve disputes informally — before filing anything, email legal@tryloft.co with a description of the issue and what you'd like us to do. We'll try to resolve it within 30 days.

We may update these Terms periodically. If we make material changes, we'll notify you by email or in-app banner at least 14 days before the new version takes effect. Continued use of the Service after the effective date means you accept the updated Terms.

Questions about these Terms? Email legal@tryloft.co.