Welcome to Ko-fi.com www.Ko-fi.com (“Site”). The Site is operated by Ko-fi Labs Limited (“we”, “us”, “our”, “Ko-fi”). We are a UK Limited company registered in England and Wales under company number 11087704 with VAT number 318563687.
The Site provides an online service that allows creators to earn revenue and receive donations from their customers and supporters, as explained further below.
To contact us, please email hello@ko-fi.com or reach out to us via the Help Portal on the Site.
In a Nutshell
Welcome to Ko-fi, a UK company that connects creators and supporters - contact us anytime at hello@ko-fi.com.
Accepting the Terms
These terms of use (“Terms”) tell you the terms on which you may use the Site, whether as a registered user or guest. Please read the Terms carefully.
By accessing the Site, 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 the Site.
In a Nutshell
By accessing Ko-fi.com you agree to the Terms and third party service terms.
Who do the Terms apply to?
The Terms apply to any user accessing the Site, including Creators and Supporters:
Please note, when we refer in the Terms to any users of the Site, including Creators and Supporters, we say “Users” or “you” and when we refer to the things Users can do on the Site we say, “User Activities”.
If any terms apply specifically to Creators or Supporters, we’ll make that clear in the relevant sections.
Ko-fi’s role
Ko-fi is a hosting and service provider only. We make the Site available so Users can take part in User Activities. This means we:
Creators and Supporters are responsible for their own interactions on the Site. Ko-fi is not part of any agreements between Creators and Supporter and we aren’t responsible for any issues that arise. Creators are fully responsible for the Creator Content, how they engage with Supporters, and any transactions made through the Site.
If you have a question, issue, or dispute about something a Creator offers, please contact them directly. All transactions, including Donations, are between the Creator and Supporter - Ko-fi doesn’t handle payment, delivery or refunds or get involved in any disputes between Creators and Supporters.
In a Nutshell
Ko-fi simply provides the Site for Creators and Supporters to connect and interact – that’s it!
Changes to The Terms and the Site
We may amend the Terms from time to time. We will notify you of any substantial changes. Every time you wish to use the Site, please check the Terms to ensure you understand the terms that apply at that time. The Terms were last updated in July 2025.
We may also update and change the Site 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 the Site whenever we decide to update them. We will let you know about any major changes.
Disclaimer
The materials on Ko-fi's Site are provided "as is". Ko-fi makes no warranties, representations or guarantees, whether expressed or implied, and hereby disclaims and negates 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 the Site; and (ii) all transactions in relation to Creator Content.
Ko-fi doesn’t recommend or endorse any Creator or their Creator Content. Further, Ko-fi does not warrant or make any representations concerning the accuracy, likely results, or reliability of the materials on the Site or the contents of any sites linked to from the Site. Ko-fi does not accept responsibility for the accuracy or correctness of User-generated content. Ko-fi does not explicitly or implicitly condone or support any message or claim made by any of its Users.
Any information that is displayed on the Site comes from Users, and we can’t guarantee that everything is accurate – but when providing the Site, 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.com it is at your own risk.
Reporting Content
We want to keep the Site 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 the Site, or content which is in breach of the Content Guidelines (Prohibited Content) please report it to Ko-fi.
In a Nutshell
Please help us keep Ko-fi a safe place.
How To Report Content
We have published instructions on the Site 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 the User’s access to the Site.
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.
We Also Check for Priority Illegal Content
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 pro-active content checks for certain types of illegal content.
What We Do If We Become Aware Of Illegal Content
We have a legal duty to act if we become aware of any Illegal Content on the Site, whether that is from a User report or from our own systems and processes.
Ko-fi retains the right to review, moderate, or remove any User content on the Site 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.
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 'Complaint' (under Policies and Requests) for the 'Query Type'.
We will review your complaint and aim to resolve this fairly.
In a Nutshell
You can submit a complaint to us.
Purchases and Donations
Ko-fi is not the seller of any Creator Content and is not involved in any Donations or transactions made to a Creator. All purchases or Donations on the Site 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 Donations.
Payments
Ko-fi is 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. Ko-fi is 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 Donation 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
Ko-fi enables transactions but is not a payment provider. You will be bound by third party provider terms too.
Linking to the Site and Scraping
You may not scrape content from the Site and repost such content, either manually or automatically, without Ko-fi’s prior written consent. The Site 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 the Site other than that set out above, please address your request to info@ko-fi.com. Linking to the Site 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 the Site.
In a Nutshell
Don’t steal or scrape our data. Not cool!
Links to External Sites
Ko-fi has not reviewed the sites linked to its Internet service and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Ko-fi of the site. Use of any such links is at the User’s own risk. We do not have control over the contents of those sites or resources.
If you are concerned that a page on the Site 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 the Site 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 the Site:
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
Click links from Ko-fi.com to other sites at your own risk.
Account Details
You must be 18 years or older to use the Site 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 at data@ko-fi.com.
In a Nutshell
Keep your Ko-fi account details safe.
Personal Data
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 the Site. You understand that through your use of the Site 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 enabled by Ko-fi is paid by the Supporter to the Creator via PayPal or Stripe. Ko-fi has no control over the information that passes to PayPal or Stripe nor the communication or display of names or personal information on its website 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.
Ko-fi and Creators using Ko-fi process Supporters (including but not limited to followers, donors, subscribers and buyers) 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 Ko-fi will not be held responsible for any disclosure or misuse of personal data by a Creator. By using this service Creators hereby indemnify Ko-fi 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 Ko-fi) are responsible for how they use Supporter data.
Bugs or Viruses
We do not guarantee that the Site 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 the Site. You should use your own virus protection software.
You must not misuse the Site 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 the Site, the server on which the Site is stored or any server, computer or database connected to the Site. You must not attack the Site 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 the Site will cease immediately.
In a Nutshell
Keep your own content and devices safe from bugs and viruses and do not introduce them to the Site.
Trademarks and Copyright
Our trademarks and trade dress may not be used in connection with any good or service without the prior written consent of Ko-fi.
We are the owner or the licensee of all intellectual property rights in the Site, 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 the Site for your personal use and you may draw the attention of others to content posted on the Site. 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 the Site must always be acknowledged.
If you print off, copy or download any part of the Site in breach of the Terms, your right to use the Site 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.
Materials on the Site
The materials appearing on the Site could include technical, typographical, or photographic errors. Ko-fi does not warrant that any of the materials on the Site are accurate, complete, or current. Ko-fi may make changes to the materials contained on the Site at any time without notice. Ko-fi does not, however, make any commitment to update the materials.
In a Nutshell
Some content on Ko-fi maybe incorrect, but we aren’t responsible for that.
Termination
You are required to ensure that all persons who access the Site through your internet connection are aware of the Terms and other applicable terms and conditions, and that they comply with them.
If you wish to terminate your Ko-fi account, you should delete your account by following the steps on this page https://ko-fi.com/Manage/DeleteAccount.
As a Creator you acknowledge and agree to the following additional specific terms set out below.
Rules About Creator Content
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 the Site, or to make contact with other Users of the Site, 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 the Site 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 the Site 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 the Site 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 the Site constitutes a violation of their intellectual property rights, or of their right to privacy.
We have the right to check and remove content on the Site 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 (including but not limited to donors, followers, buyers, subscribers) 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 Ko-fi may use, share, or remove your content and disclose your identity if needed.
Unacceptable Use of the Site
You are prohibited from using the Ko-fi service or page in connection with any of the following;
In a Nutshell
Do not use Ko-fi.com for Illegal Content or adult content. Only use Ko-fi.com in legal, genuine and positive ways.
The Creator’s Responsibilities
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 Donation or sale, setting prices, handling payments, delivering any products, and managing refunds or any issues or disputes. Ko-fi is not the seller of your Creator Content and is not involved in any transactions between you and your Supporters – including any disputes.
In a Nutshell
You are fully responsible for their page and all interactions and transactions with Supporters.
Taxes
Where you receive payments through the Site (e.g., Donations, memberships, commissions, product sales etc) you are solely responsible for determining, collecting, reporting, and remitting any taxes (including income tax, VAT, GST, sales tax, or similar indirect taxes) as determined by your local tax laws.
Ko-fi is not a party to any transactions conducted via the Site and bears no responsibility for your tax obligations, nor any liability for associated penalties or losses.
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.
Ko-fi Fees
You may be required to pay fees, on a subscription basis, for using the Site as a Creator. You will be notified of the subscription fees at the time of entering into your subscription. Please note that the type of subscription you choose may impact your transaction fees. Depending on subscription or type of transaction, Ko-fi may not take any fees, subject to us reserving the right to charge additional fees in the future for any type of subscription, transaction, purchase or donation.
For other types of subscription, transaction or any other Ko-fi feature, we may charge fees. All applicable transaction fees in relation to Creator Content or any other goods or services, shall automatically be deducted from the relevant transaction by one of our third-party payment providers.
We reserve the right to change our fees and charge additional fees in the future for any type of transaction. We shall charge fees in relation to applicable subscriptions and transactions, as listed from time to time on the Site. Notwithstanding the foregoing,
In a Nutshell
We may charge fees for any Ko-fi functionality, and this is subject to change. All fees will be as advertised on the Site from time to time and/or as specified for each Ko-fi feature.
Termination or Service Suspension
Ko-fi may terminate or suspend any and all services and/or your Ko-fi Creator account immediately, where we have a legitimate reason for doing so, including without limitation if:
If we terminate or suspend your subscription where you are not at fault, we shall provide you with a refund of your subscription fees for the remainder of your subscription period.
If you have signed up to a subscription, you can find information about your cancellation rights on the Site. 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.
Limitation of Liability
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 the Site, except where the law doesn’t allow us to exclude liability.
As a Supporter you acknowledge and agree to the following additional specific terms set out below.
Creator Content and Privacy
Ko-fi does 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 Ko-fi across the internal service or other 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:
Ko-fi doesn’t verify Creator Content, so Supporters should decide carefully before contributing and use the privacy settings if they want their messages to remain private.
Creators Are Responsible
Ko-fi is not responsible for any interactions, transactions or disputes between you and Creators. Creators handle all aspects of their Creator Content, for example including, the sales terms that apply to a Donation or sale, pricing, payments, product delivery, refunds and disputes.
In a Nutshell:
Ko-fi is not responsible to you for any interaction, transactions or disputes between you and a Creator.
Unacceptable Use of the Site
You are prohibited from using the Site 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 the Site 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 the service.
Termination or Service Suspension
Ko-fi may terminate or suspend any and all services and/or your Ko-fi Supporter account immediately, where we have a legitimate reason for doing so, including without limitation if you breach the Terms.
Upon termination of your account, your right to use Ko-fi.com will immediately cease. All provisions of the Terms shall survive termination, including, without limitation, ownership provisions, disclaimers, indemnity and limitations of liability.
All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, disclaimers, indemnity and limitations of liability.
In a Nutshell
Ko-fi can suspend or end your account immediately if you break the rules, and some parts of the Terms will still apply even after your account ends.
Limitation of Liability
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 the Site.
Governing Law
The Terms, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. You and Ko-fi 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.