Content & Payment
Association Framework

This Framework explains how Spenny Piggy links every supporter payment to a defined creator benefit — content, rewards, memberships, services, digital products, fulfilment records and creator engagement benefits — and the controls we apply to keep that link genuine.

It applies to all creators, supporters and transactions on the platform and forms part of the Spenny Piggy Terms of Service. Where this Framework conflicts with the Terms of Service, the Terms of Service prevail.

Spenny Piggy gives creators tools to sell defined benefits to their supporters and gives supporters a clear understanding of what each payment buys. It is not a way to move money for its own sake.

Creators choose which monetised features to offer; supporters always see what they are purchasing before they pay; and the platform records the benefit against each transaction. No feature on Spenny Piggy allows a payment to be taken without an associated, deliverable benefit.

Spenny Piggy is strictly safe-for-work. All content, rewards and listings are subject to manual creator approval and ongoing human moderation. The following are not permitted on the platform, whether as the benefit purchased or as creator content of any kind:

• Sexual or adult content, nudity intended to arouse, fetish content, or any sexually explicit material or services.
• Illegal goods or services, regulated items, or anything that breaches applicable UK law.
• Hateful, harassing or violent content, or content that targets or endangers any individual or group. Such content may not be monetised on the Platform.
• Content involving minors in any unsafe, exploitative or inappropriate way.
• Misleading, deceptive or fraudulent listings, or benefits the creator cannot deliver.

Creators who breach these standards may have listings removed, monetisation features restricted, or accounts suspended or terminated.

Each transaction is linked to structured platform records so the benefit purchased can be identified, delivered and audited. Records associated with a payment may include:

These identifiers connect the payment to the specific benefit it relates to, and to the delivery and moderation status of that benefit at the time of purchase and afterwards.

This matrix shows how each monetised feature maps to the platform object it uses, what the supporter is purchasing, the benefit delivered, the delivery method, the evidence logged, and the refund controls that apply.

Depending on the feature, benefits are delivered through platform access, secure downloads, membership access, email delivery, creator fulfilment workflows and digital product delivery.

Where applicable, Spenny Piggy retains download logs, access logs, email delivery records, fulfilment records and delivery timestamps so that delivery of the purchased benefit can be confirmed.

Creators must maintain the benefits they offer. A creator may be restricted from receiving payments, maintaining memberships or accessing monetisation features where they:

• fail to maintain active content delivery for a membership or feature;
• fail to fulfil purchases within the stated or a reasonable timeframe; or
• repeatedly receive complaints relating to inactivity or non-fulfilment.

Where a creator fails to provide the benefit associated with a transaction, Spenny Piggy may restrict monetisation features, suspend accounts, remove listings, process refunds and apply further enforcement measures.

Supporters can raise a delivery or fulfilment issue with us directly. We review the associated records — the benefit purchased, its delivery status and any creator response — and resolve eligible cases through refunds or other remedies. We encourage supporters to contact us before raising a card dispute, so issues can be resolved quickly using the platform's transaction records.

We monitor chargeback and dispute activity at both platform and creator level, investigate the underlying cause, and apply controls — including listing removal, payout restrictions and account action — to creators whose activity drives disputes or non-delivery.

Spenny Piggy operates layered controls across the lifecycle of a creator and a transaction:

• Preventative — identity verification, manual creator approval and content review before monetisation, and acceptable-use enforcement.
• Detective — transaction monitoring, content-inactivity monitoring, repeat-offender monitoring and audit logging.
• Corrective — refunds, listing removal, payout restrictions, account suspension and account termination.

To support verification, dispute handling and compliance, Spenny Piggy maintains records that may include:

Records are retained in line with our Privacy Policy and applicable legal and regulatory requirements.

The following uses of Spenny Piggy are prohibited because they are not the purchase of a creator benefit:

Every payment processed through Spenny Piggy must be associated with a creator content, reward, membership, service, product, task or creator engagement record. Transactions that cannot be associated with an approved creator feature may be restricted, refunded or removed.