Creator Program Terms

1. What these Terms cover

These Creator Program Terms ("Creator Terms") govern participation in the Lovia Creator Program (the "Program"). They supplement, and form part of, the Lovia Terms of Service. Where these Creator Terms conflict with the Terms of Service on a Program matter, these Creator Terms govern.

Defined terms used but not defined here (including "Coins", "Gifts", "App") have the meaning given in the Terms of Service.

2. Eligibility and approval

To participate, you must:

• Be an active Lovia user in good standing, aged 18 or above;
• Be a resident of a country in which we have enabled the Program;
• Complete identity verification (KYC) as described in Section 6;
• Hold a bank account or DuitNow-registered account in your own legal name;
• Have no open safety, fraud, or policy investigation against your account; and
• Accept these Creator Terms.

Participation is by application or invitation and at our sole discretion. We may decline any application, and may withdraw approval at any time, without giving reasons. Approval is personal to you and cannot be transferred, sold, or shared.

3. Your relationship with Vallenova

You participate as an independent contractor. Nothing in these Creator Terms creates an employment, partnership, agency, franchise, or joint venture relationship between you and Vallenova Industries Sdn Bhd.

Accordingly:

• You control your own hours, content, and manner of participation;
• You are responsible for your own equipment, connectivity, and costs;
• You are not entitled to wages, EPF, SOCSO, EIS, leave, insurance, or any employment benefit;
• You must not hold yourself out as an employee, agent, or representative of Vallenova, or enter into any commitment on our behalf; and
• You are solely responsible for your own tax and statutory obligations (Section 8).

Amounts credited to you are a revenue share paid for content and services you provide as an independent contractor. They are not wages, and they are not a deposit, savings, stored value, or any form of account balance held on your behalf as money.

4. How Earnings are calculated

When another user sends you an eligible Gift, we credit your account with a revenue share calculated as a percentage of the value of the Coins consumed by that Gift.

• The applicable revenue share percentage and the Coin-to-Ringgit conversion rate are published in the App.
• We may change either rate. Changes apply prospectively only and we will give at least 14 days' notice in-App or by email.
• Earnings are calculated in Malaysian Ringgit and rounded to the nearest sen.
• Not every Gift is eligible. Gifts funded by Promotional Coins are never eligible (Section 5).

Nothing in these Creator Terms guarantees that you will receive any Gifts, earn any amount, or achieve any level of income. Any figures shown in examples, marketing, or dashboards are illustrative and are not a projection or promise of earnings.

5. Promotional Coins are not convertible

Coins we grant free of charge — through promotions, rewards, compensation, competitions, testing, or otherwise ("Promotional Coins") — are recorded as such in our ledger.

Gifts funded wholly or partly by Promotional Coins generate no withdrawable Earnings. Any value shown against them is display-only, is not eligible for cash-out, and may be adjusted or removed at any time. We may expire or revoke Promotional Coins at any time without compensation.

6. Earnings states, and the ledger

Earnings move through the following states:

Pending and Available balances are derived from our transaction ledger and are not stored monetary balances held for you. Our ledger is the authoritative record of every Coin, Gift, and Earnings movement. Where the figure shown in the App differs from our ledger, the ledger governs, and we will correct the display.

Earnings do not earn interest. We do not hold Earnings as a deposit, e-money, or stored value, and you have no right to direct their use other than to request a withdrawal in accordance with these Creator Terms.

7. Verification (KYC) and withdrawals

7.1 Verification

Before your first withdrawal, you must complete identity verification, which may require:

• A valid government-issued photo identity document (MyKad, passport, or equivalent);
• A live selfie or liveness check for matching;
• Proof of address, where required by us or our payment provider; and
• Bank or DuitNow account details in the same legal name as your identity document.

We may require re-verification at any time. We may refuse or suspend withdrawals where verification is incomplete, where details do not match, or where we are required to do so by a payment provider, regulator, or law.

Third-party, company, or nominee accounts are not accepted. Documents you submit are processed in accordance with the Privacy Policy.

7.2 Requesting a withdrawal

• You may request a withdrawal of your Available balance once it meets the published minimum threshold.
• Requests are reviewed before payment. Review and payment timeframes are published in the App.
• Payments are made in Malaysian Ringgit to your verified account, directly or through a licensed payment provider.
• We may set limits on withdrawal frequency and amount, and may apply a processing fee, disclosed before you confirm.

7.3 Delays and errors

We are not liable for delays or failures caused by your bank, our payment provider, incorrect details you supply, public holidays, or events beyond our reasonable control. If a payment is returned because of details you supplied, we will re-credit the amount less any charges incurred and you may resubmit with corrected details.

8. Tax

You are solely responsible for determining, declaring, and paying all taxes arising from your Earnings, including income tax under the Income Tax Act 1967 (Malaysia) or the equivalent law of your country of residence.

We may deduct or withhold any amount we are required by law to withhold, and may report payments made to you to the Inland Revenue Board of Malaysia (LHDN) or any other competent authority. We do not provide tax advice; consult your own adviser.

9. Prohibited conduct in the Program

In addition to the prohibited conduct in the Terms of Service, you must not:

• Self-gift — send Gifts to yourself, directly or through an account you control, fund, or coordinate with;
• Coordinate gifting — participate in any arrangement, ring, or scheme in which Gifts are circulated to generate withdrawable Earnings;
• Use bots, scripts, emulators, or automation to inflate views, engagement, or Gifts;
• Use stolen, unauthorised, or fraudulent payment methods to fund Coins, or knowingly accept Gifts funded that way;
• Offer, request, or accept Gifts in exchange for sexual content, sexual services, meetings, or any off-platform consideration;
• Solicit users to send Gifts under false pretences, including fabricated hardship, illness, or emergencies;
• Direct users off-platform to pay you outside the App in order to avoid our fees or controls;
• Use the Program to transfer value between persons, to launder money, or to finance any unlawful activity; or
• Misrepresent your identity, age, or circumstances to users who send you Gifts.

10. Holds, reversals, clawback and forfeiture

We may place a hold on, reverse, deduct from, or permanently forfeit your Pending or Available Earnings, and suspend withdrawals, where we reasonably determine that:

• The underlying purchase was refunded, charged back, reversed, or fraudulent;
• The Earnings arose from Promotional Coins, self-gifting, coordinated gifting, automation, or any other artificial inflation;
• You have breached these Creator Terms, the Terms of Service, the Community Guidelines, or any applicable law;
• Your account is under investigation, pending its conclusion; or
• We are required to do so by law, a regulator, a court, or a payment provider.

Where a reversal exceeds your balance, the shortfall becomes a debt payable to us on demand, and we may recover it from future Earnings.

We will notify you of a hold or reversal and the general reason for it, unless notifying you would prejudice an investigation or breach a legal obligation. You may appeal under Section 13 of the Terms of Service.

11. Suspension, termination and dormancy

• You may leave the Program at any time. Withdraw your Available balance first — leaving the Program, deleting your account, or being terminated forfeits Earnings not yet withdrawn where permitted by law.
• We may suspend or terminate your participation at any time, with notice where practicable, and immediately without notice where there is a safety, fraud, legal, or payment-provider concern.
• Where your participation ends for reasons other than your breach, fraud, or unlawful conduct, you may request payment of your cleared Available balance for 90 days after termination, subject to the minimum threshold and completed verification.
• Where your participation ends because of your breach, fraud, or unlawful conduct, Pending and Available Earnings may be withheld or forfeited.
• If your account is inactive for 12 consecutive months, we will notify you at your registered email and, if you do not respond within 30 days, may close your Creator account and deal with any residual balance in accordance with applicable law.

12. Content, promotion and conduct

Everything you broadcast, post, or send while participating remains subject to the Terms of Service and Community Guidelines, including the rules on live streaming, nudity and sexual content, minors, and recording. Enforcement action against your content applies equally to your Program participation.

We may feature, promote, or display your public profile, username, and public content within the App and in our marketing of the Service. You may withdraw consent for external marketing use by contacting us.

13. Changes to the Program

We may change these Creator Terms, the revenue share, conversion rates, thresholds, fees, holding periods, eligibility criteria, and the features of the Program. For changes that materially reduce your rights or the amounts payable to you, we will give at least 14 days' notice in-App or by email. Changes apply prospectively. Continuing to participate after the effective date constitutes acceptance.

We may suspend, restrict by region, or discontinue the Program entirely. If we discontinue the Program, we will give reasonable notice and allow you to withdraw your cleared Available balance, subject to verification and applicable law.

14. Liability

The limitation of liability, disclaimers, and indemnity in the Terms of Service apply to the Program. Without limiting them, we are not liable for loss of expected or projected earnings, loss of followers or audience, or loss arising from a change to rates, features, or the availability of the Program.

15. Governing law

These Creator Terms are governed by the laws of Malaysia and are subject to the dispute resolution provisions of the Terms of Service.

16. Contact

Vallenova Industries Sdn Bhd Registration No: 202501047502 Sungai Petani, Kedah, Malaysia Email: officiallovia1@gmail.com