Welcome to Ko-fi, a service that allows creators to earn revenue and receive tips from their customers and supporters, as explained further below, and offered through our website, www.Ko-fi.com and our apps, including any iOS and Android app ( “Ko-fi”). Ko-fi is operated by Ko-fi Labs Limited (“we”, “us”, and “our”). We are a UK limited company registered in England and Wales under company number 11087704 with VAT number 318563687.
To contact us, reach out to us via the support hub at help.ko-fi.com
In a Nutshell
Welcome to Ko-fi, a service that helps creators to earn revenue from their supporters - contact us anytime via the support hub at help.ko-fi.com
These terms of use (“Terms”) tell you the terms on which you may use Ko-fi, whether as a registered user or guest. Please read the Terms carefully.
By accessing Ko-fi, you accept the Terms and agree to comply with them. You are also agreeing to be bound by the terms and conditions of the third-party services you connect your Ko-fi Account with, such as PayPal, Stripe, YouTube and Twitch.
If you don't accept them, you must not use Ko-fi.
In a Nutshell
By accessing Ko-fi, you agree to the Terms and third-party service terms.
The Terms apply to any user accessing Ko-fi, including Creators and Supporters:
To use certain features of Ko-fi, you will need to set up an account, with a unique profile and login credentials, and through which you can access and manage content and features, including your settings, preferences, and activity history (an “Account”).
Please note, when we refer in the Terms to any users of Ko-fi, including Creators and Supporters, we say “Users” or “you” and when we refer to the things Users can do on Ko-fi we say, “User Activities”.
If any terms apply specifically to Creators or Supporters, we’ll make that clear in the relevant sections.
You are required to ensure that all persons who access Ko-fi through your internet connection are aware of the Terms and other applicable terms and conditions, and that they comply with them.
We are a hosting and service provider only. We make Ko-fi available so Users can take part in User Activities. This means we:
Creators and Supporters are responsible for their own interactions on Ko-fi. We are not part of any agreements between Creators and Supporters and we aren’t responsible for any issues that arise.
Creators are fully responsible for the Creator Content and how they engage with Supporters, including any transactions with Supporters.
If you have a question, issue, or dispute about something a Creator offers, please contact them directly. All transactions, including Tips, are between the Creator and Supporter - we don’t handle payment, delivery or refunds or get involved in any disputes between Creators and Supporters.
In a Nutshell
We simply provide services to help Creators to connect and interact with their Supporters – that’s it!
We may amend the Terms from time to time. We will notify you of any substantial changes. Every time you wish to use Ko-fi, please check the Terms to ensure you understand the terms that apply at that time. The Terms were last updated in February 2026.
We may also update and change Ko-fi from time to time to reflect changes to subscriptions, memberships, different features, our Users' needs, changes in the law, regulatory requirements and our business priorities. We will give you reasonable notice of any major changes.
In a Nutshell
We can decide to change our Terms and Ko-fi whenever we decide to update them. We will let you know about any major changes.
The materials on Ko-fi are provided "as is". We make no warranties, representations or guarantees, whether expressed or implied, and hereby disclaim and negate all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights including without limitation in respect of: (i) the materials provided on Ko-fi; and (ii) all transactions in relation to Creator Content.
We don’t recommend or endorse any Creator or their Creator Content. Further, we do not warrant or make any representations concerning the accuracy, likely results, or reliability of the materials on Ko-fi or the contents of any sites linked to from Ko-fi. We do not accept responsibility for the accuracy or correctness of User-generated content. We do not explicitly or implicitly condone or support any message or claim made by any of its Users.
Any information that is displayed on Ko-fi comes from Users, and we can’t guarantee that everything is accurate – but when providing Ko-fi, we take reasonable care and act with professional diligence. Unless we’ve failed to do so or have been negligent, we can’t be held responsible for any errors, interruptions, or missing bits of information. Of course, we’ll do everything we can to correct/fix them as soon as we become aware.
In a Nutshell
If you use Ko-fi, it is at your own risk.
We want to keep Ko-fi safe for all Users. We have rules prohibiting illegal content and activity and content which is in breach of the Content Guidelines (see the sections titled “Acceptable Use For Creators” and “Supporter Specific Terms”). If you spot any illegal content or activity (“Illegal Content”) on Ko-fi, or content which is in breach of the Content Guidelines (“Prohibited Content”), please report it to us.
In a Nutshell
Please help us keep Ko-fi a safe place.
We have published instructions on Ko-fi which explain how you can report specific items of content which you think may be Illegal Content or Prohibited Content. You will need to include the following information so that we can review the content and take the appropriate action:
We will also ask you to confirm that your report is accurate. This is to avoid abuse of the reporting mechanism. If we discover that a User is repeatedly submitting unfounded complaints about Illegal Content or Prohibited Content, we may take appropriate action. This may include suspending or banning the User’s Account.
We will investigate all reports of Illegal Content and Prohibited Content, but we will prioritise investigating reports of the following types of Illegal Content (“Priority Illegal Content”):
In a Nutshell
If you submit a report to us about illegal or prohibited content, we will investigate it. We will investigate certain types of illegal content as a priority.
As well as the reporting process, we also have systems and processes in place to check for Priority Illegal Content. These may include automatic reviewing systems for images and text and may include human review. We keep our systems and processes under review, to take account of emerging technologies.
In a Nutshell
We also use proactive content checks for certain types of illegal content.
We have a legal duty to act if we become aware of any Illegal Content on Ko-fi, whether that is from a User report or from our own systems and processes.
We retain the right to review, moderate, or remove any User content on Ko-fi if we deem it Illegal Content, Prohibited Content or breaks any applicable laws.
If we become aware of Illegal Content, we will take whatever actions we consider are necessary and/or appropriate, which may include:
Where we take an action, we will write to the person who provided the Illegal Content to explain our decision. We will provide details to the User of how they can challenge our decision. Where we made the decision in response to a report, we will not reveal the identity of the reporter unless doing so is necessary to explain why the content was removed, for example where a rights holder reports a User infringing their intellectual property rights.
Where we have electronic contact details for the User who provided the report (if relevant), we will also write to them to explain our decision. We will provide details to the User of how they can challenge our decision.
In a Nutshell
We will decide what to do about the content, and we will let the relevant Users know our decision.
You must not do anything that exploits Ko-fi in a manner that is detrimental to us. We may therefore look at your activities outside of Ko-fi to determine whether we may be exposed to risk.
We reserve the right, at our sole discretion, to take whatever actions we consider are necessary and/or appropriate (including unpublishing a Page temporarily and/or permanently or banning a User’s Account) if we have reason to believe that the User is conducting inappropriate, egregious or illegal behaviour outside of Ko-fi, including conducting activities without the appropriate consents, licenses, permits or authorisations.
We may unpublish a Page temporarily or permanently and/or ban a User’s Account upon receiving a valid legal request from a court, government entity or law enforcement body that legally obligates us to do so.
In a Nutshell
We may unpublish a Page temporarily or permanently and/or ban a User’s Account based on your activities external to Ko-fi, including where we have received a legal request from a court or government entity.
Complaints: You can raise a complaint with us about:
To submit a complaint to us about any of these matters, fill out the form here and select ‘Policies and Requests’ for the 'Query Type', then select 'Complaint'.
We will review your complaint and aim to resolve this fairly.
In a Nutshell
You can submit a complaint to us.
Appeals: If we have unpublished a Page or if we have banned your Account under these Terms, you may appeal the decision. For more details of the appeals process, see our policy titled “What does “Page Unpublished” mean and what should I do?”.
EU/EEA Appeals Procedure: if you’re in the EU or EEA, you have the right to challenge our content-moderation and/or Account decisions, as follows:
In a Nutshell
If you are dissatisfied with a decision by us to unpublish a Page or to ban your Account, you have the right to challenge the decision, including through our internal appeals process.
We are not the seller of any Creator Content and are not involved in any Tips or transactions made to a Creator. All purchases or Tips on Ko-fi are directly between the Supporter and the Creator. Creators are fully responsible for setting prices, handling payments, delivering products or services, and managing refunds or any other transaction details.
In a Nutshell
Creators are responsible to Supporters for everything to do with transactions and Tips.
We are not a payment provider. Payments are made directly from Supporters to Creators externally to Ko-fi using a third-party payment provider (e.g. PayPal, Inc., and Stripe, Inc.).
By using Ko-fi, you are agreeing to be bound by the terms of any third-party payment providers associated with the service and they will be responsible for all matters relating to payment and use of your card details.
Only PayPal Australia Pty Ltd (“PayPal Australia”) is able to provide the PayPal services in Australia. We are not an agent, representative, employee or Authorized Representative of PayPal, or PayPal Australia. PayPal Australia can be contacted at https://www.paypal.com/au/smarthelp/contact-us.
Payment providers may display the personal details of your payments account depending upon your account type even when a Tip is marked ‘Private’. You should consult the payment provider directly and prior to using Ko-fi, should you have any questions or concerns about the information displayed when making a payment.
In a Nutshell
We are not a payment provider. You will be bound by third party provider terms too.
You may not scrape content from Ko-fi and repost such content, either manually or automatically, without our prior written consent. Ko-fi must not be framed on any other site without our prior written permission. We reserve the right to withdraw linking, scraping and framing permission without notice. If you wish to make any use of material on Ko-fi other than as set out above, please address your request to help.ko-fi.com. Linking to Ko-fi should only be for the purpose of promoting a specific Page as a Creator and should follow the Creator specific terms outlined below. Bots or other automatic means must not be used to interact with Ko-fi.
In a Nutshell
Don’t steal or scrape our data. Not cool!
We have not reviewed the sites linked to Ko-fi (“External Sites”) and are not responsible for the contents of any such External Site. The inclusion of any link does not imply endorsement by us of the External Site. Use of any such links is at the User’s own risk. We do not have control over the contents of those External Sites or resources.
If you are concerned that a Page on Ko-fi is linking to, or is linked from, External Illegal Content (“External Illegal Content”), please report the Page to us (see above, How to Report Content). We will investigate the report to decide what action to take.
If the Page on Ko-fi is linking to External Illegal Content, we will deal with the situation as if the External Illegal Content appeared on the Page itself.
If the Page on Ko-fi:
we may take whatever actions we consider are necessary or appropriate. These could include:
Please see our policy titled “What does “Page Unpublished” mean and what should I do?” for more information.
In a Nutshell
Clicking on links from Ko-fi to other sites is at your own risk.
You must be 18 years old or older to use Ko-fi and create an Account.
If you choose, or you are provided with, a User identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
We have the right to disable any User identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of the Terms.
If you know or suspect that anyone other than you knows your User identification code or password, you must promptly notify us via the support hub at help.ko-fi.com.
In a Nutshell
Keep your Ko-fi Account details safe.
We will use your personal information only in accordance with our Privacy Policy (available at https://ko-fi.com/home/privacy). Our Privacy Policy describes how we handle the information you provide to us when you use Ko-fi. You understand that through your use of Ko-fi, you consent to the collection and use of your personal information as set forth in the Privacy Policy.
You must not upload or use another individual’s personal information without the consent or approval of that individual.
Any transaction is paid by the Supporter to the Creator via PayPal or Stripe. We have no control over the information that passes to PayPal or Stripe, nor the communication or display of names or personal information on their websites that arise from the Supporter’s payment made via PayPal or Stripe. For details of how Stripe or PayPal may use your personal information, you should refer to their respective privacy policies.
We and Creators using Ko-fi process Supporters’ personal data and as such are considered separate and independent data controllers of Supporters’ personal data. Each party is responsible for the personal information entered on Ko-fi. Both Creators and Supporters acknowledge that we will not be held responsible for any disclosure or misuse of personal data by a Creator. By using Ko-fi, Creators hereby indemnify us for any expenses, damages or fines incurred as a result of your use of the personal information obtained from the use of Ko-fi.
In a Nutshell
We will only use your personal data in accordance with our Privacy Policy. Creators (not us) are responsible for how they use Supporter data.
We do not guarantee that Ko-fi will be secure or free from bugs or viruses and you are solely responsible for securing and backing up your content.
You are responsible for configuring your information technology, computer programmes and platform to access Ko-fi. You should use your own virus protection software.
You must not misuse Ko-fi by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to Ko-fi, the server on which Ko-fi is stored or any server, computer or database connected to Ko-fi. You must not attack Ko-fi via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use Ko-fi will cease immediately.
In a Nutshell
Keep your own content and devices safe from bugs and viruses and do not introduce them to Ko-fi.
Our trademarks and trade dress may not be used in connection with any good or service without our prior written consent.
We are the owner or the licensee of all intellectual property rights in Ko-fi, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any Page(s) from Ko-fi for your personal use and you may draw the attention of others to content posted on Ko-fi. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on Ko-fi must always be acknowledged.
If you print off, copy or download any part of Ko-fi in breach of the Terms, your right to use Ko-fi will cease immediately, and you must, at our option, return or destroy any copies of the materials you have made.
In a Nutshell
Please do not abuse or steal our brand.
The materials appearing on Ko-fi could include technical, typographical, or photographic errors. We do not warrant that any of the materials on Ko-fi are accurate, complete, or current. We may make changes to the materials contained on Ko-fi at any time without notice. We do not, however, make any commitment to update the materials.
In a Nutshell
Some content on Ko-fi may be incorrect, but we aren’t responsible for that.
If you wish to terminate your Account, you should delete your Account by following the steps via this link: https://ko-fi.com/Manage/DeleteAccount.
We may terminate your Account at any time, immediately and without liability to you if we consider it necessary to do so, for any reason, including for operational, legal, compliance or security reasons. We will act reasonably when exercising this right and will provide notice where it is appropriate to do so.
In a Nutshell
Your Account may be terminated at any time by you or by us.
We do not exclude or limit in any way our liability to you where it would be unlawful to do so.
In a Nutshell
You can’t claim damages from us for any use of Ko-fi, except where the law doesn’t allow us to exclude liability.
The Terms, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. You and we agree to the exclusive jurisdiction of the courts of England.
In a Nutshell
The Terms are governed by English law and any legal matters will be dealt with in the English courts.
As a Creator you acknowledge and agree to the following additional specific terms set out below.
As a Creator, you are solely responsible for all text, images, videos, links and other content that you create, upload, post, publish or display using Ko-fi, including any third-party hosted material.
As a Creator, whenever you make use of a feature that allows you to upload content to Ko-fi, or to make contact with other Users of Ko-fi, you warrant that you have the necessary authorisation to provide this information. You will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.
Any content you upload to Ko-fi will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content but you grant us and other Users of Ko-fi a limited licence to use, store and copy that content and to distribute and make it available to third parties. We may use your content to improve Ko-fi and our business without liability to you.
You also grant us the right to disclose your identity to any third party who is claiming that the content you post or upload to Ko-fi constitutes a violation of their intellectual property rights, or of their right to privacy.
We have the right to check and remove content on Ko-fi if, in our opinion, this is reasonably necessary to protect our business.
As a Creator you agree to become a data controller, personally responsible for the lawful processing of any information provided to you on Ko-fi, for example, email addresses of followers or names and addresses of purchasers of goods or services you sell on Ko-fi. You will only use information about Supporters to communicate with Supporters in relation to their interactions with you on Ko-fi and in a lawful manner. You must provide Supporters with a way to withdraw their consent for the processing of their information, delete their data from your records and observe all legal requirements for the processing of personal information made available to you by Ko-fi.
In a Nutshell
As a Creator, you're fully responsible for your content and any personal data you receive, and we may use, share, or remove your content and disclose your identity if needed.
You are prohibited from using Ko-fi in connection with any of the following;
In a Nutshell
Do not use Ko-fi for illegal or adult content. Only use Ko-fi in legal, genuine and positive ways.
As a Creator, you are fully responsible for your Creator Content and all interactions and transactions with Supporters, including your legal obligations as a seller. This includes, for example, the legal terms and conditions relating to a Tip or sale, setting prices, handling payments, delivering any products, and managing refunds or any issues or disputes. We are not the seller of your Creator Content and are not involved in any transactions between you and your Supporters – including any disputes.
In a Nutshell
You are fully responsible for your Page on Ko-fi and for all interactions and transactions with Supporters.
Where you receive payments through Ko-fi (e.g., Tips, memberships, commissions, product sales etc), you are solely responsible for determining, withholding, collecting, reporting, and remitting any taxes (including but not limited to income tax, VAT, GST, sales tax, or similar indirect taxes) as determined by the relevant taxation authority.
All sums payable by you to us under these Terms will be paid free and clear of any deductions or withholdings whatsoever. Other than taxes charged by us to you and remitted to the appropriate tax authorities, any deductions or withholdings that are required by law will be borne by you and paid separately to the relevant taxation authority.
We are not a party to any transactions conducted by you via Ko-fi and bear no responsibility for your tax obligations, nor any liability for associated penalties or losses. If we reasonably request, you will promptly provide official receipts, certificates of withholding, or other documentation reasonably satisfactory to confirm that any taxes have been properly withheld and remitted.
These provisions apply globally, regardless of your jurisdiction as a Creator, or the jurisdiction of the Supporter, or the tax authority asserting the requirement.
In a Nutshell
Taxes are your responsibility, we don’t collect or pay taxes on your behalf or give advice about tax implications of using Ko-fi.
You will be required to pay such fees for using Ko-fi as a Creator, as listed on Ko-fi, from time to time. These fees could include:
We reserve the right at any time in the future to: (1) change our existing fees for any type of subscription, service and Ko-fi feature; and/or (2) introduce additional fees for any type of subscription, service and Ko-fi feature, where no fees have been charged by us previously. Fees may vary depending on the level and type of service and/or features you select.
In a Nutshell
We may charge fees for any type of subscription, service and Ko-fi feature, and this is subject to change. All fees will be as advertised on Ko-fi from time to time.
If you wish to cancel your Creator subscription, then you can find information about your cancellation rights on Ko-fi. You will need to cancel your subscription in accordance with these cancellation rights to stop your recurring payments for the relevant subscription. Merely deleting your Account without cancelling your subscription will not stop these payments.
We may discontinue and remove the availability of any subscription product at any time at our sole discretion. If you have a current subscription which is to be discontinued, then we will give you advance notice (unless it is not practical to do so) of when your subscription will end. The notice period may vary from Creator to Creator, depending on the circumstances of each Creator’s subscription, such as your payment cycle for any subscription fees. If we end your subscription during any period for which you have already paid a subscription fee, then we will refund the relevant portion of your subscription fee for the remainder of your subscription period.
We can immediately, at any time, and at our sole discretion, terminate or suspend your subscription. In particular, we reserve the right to terminate or suspend if:
In a Nutshell
You must follow the correct process for cancelling your subscription to ensure that your recurring payments will stop. We may discontinue a subscription product at any time. We can also terminate or suspend your subscription at our discretion.
We can immediately, at any time, and at our sole discretion:
Upon banning of your Account, your right to use Ko-fi will immediately cease.
All provisions of the Terms which by their nature should survive banning of an Account shall survive banning, including, without limitation, ownership provisions, disclaimers, indemnity and limitations of liability.
As a Supporter you acknowledge and agree to the following additional specific terms set out below.
We do not guarantee that any Creator Page, goal, post, message or content of any kind is legitimate, accurate, truthful or lawful. It is always the responsibility of the Supporter to determine if they wish to support a Creator and they should only do so after seeking the appropriate financial, legal, tax or other professional advice where appropriate.
Some User Activities such as Supporter messages are (by default) public and may be used by us across Ko-fi, our internal services or external websites, social media pages or other entities. To keep messages of support private, you must choose the option marked ‘Private’ when using the Ko-fi support service. Even when ‘Private’ is chosen, personal details may still be shared by the payment provider between you and the Creator depending upon the type of account held with the payments provider. Find out more here.
In a Nutshell
We do not verify Creator Content, so Supporters should decide carefully before making payments to Creators and should use the privacy settings if they want their messages to remain private.
We are not responsible for any interactions, transactions or disputes between you and Creators. Creators handle all aspects of their Creator Content, including, without limitation, the sales terms that apply to a Tip or sale, pricing, payments, product delivery, refunds and disputes.
In a Nutshell
We are not responsible to you for any interaction, transactions or disputes between you and a Creator.
You are prohibited from using Ko-fi and any Page in connection with any of the following;
We have the right to check and remove any content or posting you make on Ko-fi if, in our opinion, this is reasonably necessary to protect our business.
In a Nutshell
You can’t use Ko-fi for illegal, harmful, or prohibited activities, and we may remove content or block use to protect Ko-fi.
We can immediately, at any time, and at our sole discretion:
Upon banning of your Account, your right to use Ko-fi will immediately cease.
All provisions of the Terms which by their nature should survive banning of an Account shall survive banning, including, without limitation, ownership provisions, disclaimers, indemnity and limitations of liability.
In a Nutshell
We can suspend or ban your Account immediately if you break the rules, and some parts of the Terms will still apply even after your Account ends.