Terms of Service

1. Master Service Agreement

Adswish is operated as an independent sole trader under the trading name “Adswish” (“Adswish”, “we”, “us”), reachable at hello@adswish.co.uk. Adswish is not a limited company; references to a company number do not apply. Adswish is a marketplace that connects businesses with content creators. We provide payment holding, tracking, analytics, messaging, and payout tools. We are not a party to the campaign agreement between a business and a creator, and we do not guarantee campaign outcomes. By creating an account you agree to these Terms of Service and our Privacy Policy.

All card charges, fund holds, and creator payouts are processed through Stripe Connect (Stripe and its UK affiliates). Money moves between businesses and creators through Stripe's regulated payment infrastructure — it is not held in an Adswish bank account. Adswish itself is not a bank, e-money institution, or regulated escrow provider.

2. Platform Fee

Adswish charges a platform fee of 10% of each transaction, subject to a minimum fee of £10-equivalent in the charge currency on smaller orders; the fee is never more than the order itself. Creators receive 90% net payout on released earnings — on orders below the £10-equivalent minimum the creator's share is correspondingly lower, but never below zero. Campaigns must meet per-currency minimum order sizes (£25-equivalent for fixed amounts and affiliate/hybrid budget caps; £20-equivalent per tracked conversion).

Payment-processing costs charged by Stripe (card processing, currency conversion, and the fixed per-transaction component) are not included in the platform fee. They are recharged to the business paying for the order at cost — with no markup: each month, Adswish totals the processing costs Stripe actually charged on that business's orders (recorded from Stripe's real balance transactions) and charges exactly that total to the business's saved card, itemised on the Payments page. You are never charged an estimate — only Stripe's actual costs. Adswish itself does not absorb or profit from processing costs. As the payers on Adswish are businesses, this pass-through does not constitute a consumer card surcharge within the meaning of the Payment Services Regulations 2017.

Dispute (chargeback) fees. Stripe charges a dispute fee (typically £15–£20-equivalent) the moment a cardholder opens a dispute, and keeps it even when the merchant wins. That fee is a cost Stripe charges on your orders and is recharged to the business at cost — with no markup — through the same monthly statement as processing costs, itemised on the Payments page. Adswish adds nothing to it and absorbs none of it.

Refunded orders. When an order is refunded, Stripe does not return the processing fee it charged on the original payment (and dispute fees already charged are never returned). Those non-refundable Stripe costs remain payable by the business as part of the at-cost pass-through; the Refund Processing Fee in Section 6 is separate and covers refund handling, not Stripe's costs.

The platform fee is earned when a deliverable is approved or a conversion is recorded, and is non-refundable.

3. Payment Holds, Pre-authorization & Payouts

Section retitle (2026): previously published as “Escrow, Pre-authorization & Payouts”. Adswish provides payment-hold and pre-authorization tools; it is not an escrow service. The rights and obligations in this section are unchanged.

Fixed-fee campaigns use Stripe pre-authorization: when a creator is accepted, the fixed amount is authorized (reserved, not charged) on the business's saved card. The hold is captured when the deliverables are approved, and released to the business if the creator is rejected, abandons, or the 7-day authorization window expires. Funds are never held by Adswish.

On approval, the captured amount enters a uniform payment hold for the creator: 7 days for all creators regardless of subscription plan. If no dispute is raised within the hold period, funds are automatically released to the creator. Creators must complete the required tax/identity steps and connect a payout account before funds can be released.

4. Business Payment Method

Businesses pay for fixed-fee campaigns using a saved card on Stripe. The card is authorized for the fixed amount when a creator is accepted; no pre-paid wallet balance is required. If the authorization fails, the campaign may be closed automatically and affected applicants notified. Authorizations that are not captured within Stripe's 7-day limit are released back to the business automatically.

5. Tracking Links

Affiliate and hybrid campaigns require an active, verified tracking link or attribution method. Fixed-fee campaigns do not require tracking. Tracking links are monitored for availability; extended downtime may result in warnings, suspension of attribution, or campaign closure.

Advertising disclosure. When a creator shares a tracking link, promotes a campaign, or posts amplified content in exchange for payment, free products, or any other incentive, the post must be clearly identifiable as advertising before a person engages with it — for example by including a conspicuous label such as “#ad” or “Ad” at the start of the caption or description, in line with the UK CAP Code and the Competition and Markets Authority's guidance on influencer marketing. The disclosure must be unhidden by “more” truncation, in the platform's primary language for the audience, and must not rely on obscure abbreviations. Affiliate tracking links route through adswish.co.uk and record click attribution (hashed IP and user-agent); businesses and creators are each responsible for ensuring their use of these links, and the content they appear alongside, meets this disclosure standard. Repeated failure to disclose paid promotions may be treated as a breach of these Terms and handled under section 8 (Prohibited Conduct).

6. SLA & Dispute Resolution

If a creator reports a missing sale or undelivered payment, a 72-hour SLA timer begins. Unresolved disputes after 72 hours result in automatic campaign drop and tracking link disabling. Three strikes within any 12-month rolling window result in account suspension for 3 months.

Refunds. When a refund is granted through the dispute process, the business receives a full cash refund of 100% of the transaction — paid back to the original payment method, never as account credit. The party responsible for the refund pays a Refund Processing Fee of 10% of the transaction (minimum £2.50-equivalent, capped at £50-equivalent in the charge currency): where the business cancels or rejects after approval, the fee is charged to the business's saved card; where the creator failed to deliver or breached the SLA, the fee is taken from the creator's earnings and future payouts may be held until it is recovered. The fee is disclosed before a refund is requested.

Chargebacks. Where a customer's bank forces a chargeback, the transaction is refunded in full as required by the bank and the Refund Processing Fee does not apply; affected creators may have future payouts held while the amount is recovered. The bank/Stripe dispute fee itself is a Stripe cost recharged at cost under Section 2 (Dispute (chargeback) fees) — it is not a penalty and adds nothing beyond what Stripe charges.

Currency. Transactions settle in the campaign's currency (GBP, USD, or EUR). Payouts to recipients in other currencies may incur conversion costs, which are passed through per Stripe's payout policy.

7. Account Deletion

Accounts with an available balance, pending holds, or open disputes cannot be deleted until those are resolved. If an account is banned by an administrator, remaining balance may be forfeited after 90 days.

8. Prohibited Conduct

Users may not bypass the platform to avoid the 10% commission, submit fraudulent conversions or follower counts, or abuse the messaging system. Personal information (emails, phone numbers, external URLs) is automatically filtered from messages. Attempts to circumvent fees or platform safeguards may result in account suspension.

9. Limitation of Liability

To the fullest extent permitted by law, Adswish is a service provider and not a party to campaign agreements. We provide the tools and infrastructure but do not guarantee campaign outcomes, sales, or revenue.

10. Google Ads Amplification

Businesses may amplify approved creator content as paid Google Ads directly from the Adswish dashboard. Adswish connects to Google Ads through the user's own OAuth consent: the business authorizes access to its Google Ads account and we never access ad budgets without that authorization. The business's ad spend is billed directly by Google; Adswish charges no commission or markup on ad spend.

• Compliance: ad campaigns created through Adswish use parallel tracking and comply with Google's advertising policies and the laws of the countries where the ads are served. You are responsible for the lawfulness of the products and claims advertised.
• Budget protection: the optional auto-kill switch pauses a campaign automatically when it breaches the thresholds you set. You can resume a paused campaign at any time.
• Developer access: live campaign creation and management require the Google Ads API developer token you provide; until it is added, campaigns are saved as drafts and nothing is pushed to Google.

11. Sessions & Security

For your protection, Adswish automatically ends your session after a period of inactivity (configurable in Settings between 1 and 30 minutes), and navigating away from the dashboard with the browser back button ends the session. You will be asked to sign in again, and any unsaved work may be lost. We recommend keeping the inactivity timeout under 10 minutes for the best security posture.

12. Contact

For questions about these terms, contact hello@adswish.co.uk. A postal contact address is available on request by email.