Payment terms.

How money moves between brands and athletes, who pays what, and what happens when something goes wrong. Brands and athletes confirm these rules before they bid, sell, pay or get paid.

Card payments through Stripe are being switched on. These rules apply to every sponsorship paid through Stripe. Until card payments are on for a campaign, we arrange the payment with you by email and explain the steps there.

Who we are and what we do

Sponsor My Body is run by the sole trader named in our privacy policy (“we”). Athletes offer sponsorship spots on it and brands buy them.

The sponsorship agreement is made directly between the brand and the athlete. We are not a party to it. We are not a bank, a payment institution or an escrow service. We do not receive, hold or pay out the money a brand pays for a sponsorship.

How a payment works

Payments are processed by Stripe Payments Europe, Ltd. (“Stripe”). The brand's card payment goes directly to the athlete's own Stripe account. The athlete is the seller.

Within Stripe, we can hold the payout from the athlete's Stripe account to their bank until the sponsorship has been delivered. Stripe allows a payout to be held for at most 90 days after the payment.

1. 14 days before the event, the brand gets a payment link. The brand pays by card and confirms the payment in their bank's app or security check (3D Secure). The brand has 48 hours to pay. If the deal is made later than 14 days before the event, the brand pays straight away.
2. The event takes place. The athlete delivers what was agreed.
3. Within 14 days after the last day of the event, the athlete uploads proof of delivery: photos, videos, links to posts.
4. The brand has 7 days to object through the platform, with reasons. If the brand does not object, the delivery counts as accepted.
5. We decide, normally within 7 days after that. We release the payout to the athlete, refund the brand, or release part and refund the rest when only part was delivered. The money normally reaches the athlete's bank 1 to 2 business days after release.

We decide in good faith, on the evidence both sides give us. Our decision does not change the brand's or the athlete's rights against each other under the law.

Payment processing costs

Stripe charges a fee on every card payment and deducts it from the payment on the athlete's Stripe account.

The price a brand sees already includes an allowance for that fee. The allowance is set so that the athlete receives at least the amount they asked for. For example, at Stripe's current prices:

• An athlete asks for EUR 100.
• The brand sees EUR 104.
• The athlete receives about EUR 102 with most European cards, and not less than EUR 100 with any card.

If Stripe changes its prices, we adjust the allowance for new deals.

Nothing is added for paying by card. We do not pay, receive or guarantee any processing fee.

Stripe does not give back its fee when a payment is refunded. The rules below say who bears it in each case.

Platform fee

There is no platform fee at the moment. If we introduce one:

• we announce it at least 30 days in advance;
• it applies only to deals made after that date;
• it is never taken from the athlete's amount;
• the brand receives one invoice for it per month.

Chargebacks

A card holder can ask their bank to reverse a payment. This is called a chargeback or dispute, and these rules cannot take that right away.

Card networks usually allow about 120 days to file one. For a sponsorship at a future event, that period can start on the event date, so a chargeback can come after the athlete has been paid. Only the brand's bank decides the outcome.

When a chargeback is filed, Stripe takes the disputed amount from the athlete's Stripe account and charges a dispute fee to it. At Stripe's current Croatian prices, that fee is EUR 20, plus another EUR 20 if the dispute is contested. The second EUR 20 is returned if the dispute is won.

We keep the evidence of every deal and send it to Stripe to contest chargebacks we believe are unjustified.

Rules for brands

Your company

To bid, make an offer or request a spot, you give your company's legal name, its VAT or tax number (OIB in Croatia) and its registered address. You confirm that you act for that company and may commit it.

Your tax duties

Athletes are often private individuals, not companies. Paying a private individual for a service can create tax or contribution duties for the payer in your country. In Croatia, for example, a company that pays a private individual for a service may have to withhold tax and contributions and report the payment.

Those duties, and how you book the sponsorship in your accounts, are your responsibility. We do not give brands an athlete's tax details, so if you need them, ask the athlete.

Bids and offers are binding

When your bid wins or the athlete accepts your offer, you must pay as described above. If you do not pay within 48 hours of receiving the payment link, the deal lapses and the spot can go to the next bidder. Repeatedly failing to pay can lead to your access being removed.

What the price includes

The price you see is the full price. It includes the athlete's amount and the cost of processing your card payment.

Objections

Raise any problem with a sponsorship through the platform, within 7 days of receiving the athlete's proof. After that, the delivery counts as accepted.

Refunds, cancellation and postponement

• The athlete did not deliver, or delivered only part. You get back the full price, or the part that was not delivered.
• The event is cancelled, or the athlete cannot take part. You get back the full price.
• The event is postponed. The deal moves to the new date if the payout can still be decided within 90 days of your payment. If it cannot, you get back the full price.
• You want to cancel after paying. This is possible only if the athlete agrees. You then get back the price minus the payment processing cost, which Stripe does not return.

If you file a chargeback

• You agree to raise every problem through the platform first, within the 7-day objection period.
• A chargeback on a sponsorship that was delivered, or that you accepted by not objecting in time, breaks your agreement with the athlete. You still owe the full price, the dispute fees and reasonable collection costs.
• You agree that we may give Stripe and your bank the evidence of the deal: your confirmation of these rules, your bid or offer, your payment confirmation, the athlete's proof, and our messages with you.
• After such a chargeback, we may permanently remove your company, your email addresses and your cards from the platform.

Using the athlete's image

You may use photos, videos and posts showing the athlete with your brand only as agreed in the deal, and only while your payment stands. If the payment is reversed or refunded, that permission ends, and the athlete may remove or cover your brand in their own posts.

Rules for athletes

Your Stripe account

To be paid, you need your own Stripe account, which you open through Sponsor My Body. Stripe checks your identity and your bank account. Your campaign cannot take payments until your Stripe account is active.

Stripe currently supports athletes in the EU and EEA, the UK, Switzerland, the US, Canada, Australia and some other countries. It does not support Serbia, Bosnia and Herzegovina, Montenegro or North Macedonia. If you are under 18, a parent or legal guardian must set up the account and accept these rules for you.

Payment processing for athletes on Sponsor My Body is provided by Stripe under the Stripe Connected Account Agreement, which includes the Stripe Services Agreement. By accepting these rules, you also agree to those Stripe terms, as Stripe may change them from time to time. You agree to give us accurate and complete information about yourself. You allow us to share it, and the information about your payments, with Stripe.

You are the seller

The brand pays you, not us. You are responsible for:

• your own taxes, and any invoice or receipt the law requires you to give the brand;
• checking that the event's rules allow sponsor branding where you will wear or show it;
• delivering what you agreed.

You do not need a company to be paid through Stripe. Depending on your country and how often you are paid, you may need to register a business or declare the income yourself.

Tax reporting

We do not currently report the payments you receive to any tax authority, and we do not ask for your tax number. If the law starts to require that of us (for example the EU reporting rules for platforms known as DAC7), we will tell you in advance. We will then explain which details we need and what happens if they are missing.

Your amount and processing costs

You set your amount for each spot. Brands see your amount plus the processing allowance described above. Stripe deducts its fee from each payment on your Stripe account, and you receive at least your amount.

Your payout waits for the proof

Payments stay on your Stripe account until we release them, as described above. You cannot change your payout schedule or pay yourself out early.

Upload your proof within 14 days after the last day of the event. If nothing arrives in time, the sponsorship counts as not delivered.

Refunds

In these cases you bear the processing cost of the amount refunded to the brand, because Stripe does not return its fee. Stripe takes that cost from your Stripe balance.

• You did not deliver.
• You delivered only part.
• You could not take part in the event.
• The event was cancelled.
• The event was postponed beyond the payout limit.

Stripe also lets you refund a brand yourself from your Stripe dashboard. If you do, tell us straight away.

Chargebacks: please read this

Even after your sponsorship was delivered and you were paid, the brand's bank can reverse the payment. This can happen until about four months after the event. If it happens:

• Stripe takes the amount back from your Stripe balance. If your balance is not enough, Stripe can recover it from your bank account or from future payments, under Stripe's terms.
• Stripe charges its dispute fee to your Stripe account.
• We send the evidence of your deal to contest the chargeback, but only the brand's bank decides.
• If the bank decides for the brand, you can lose the payment and the money you spent on promotional materials, such as prints on clothing or temporary tattoos.
• We may decide to help you in a particular case. We have no obligation to do so, and nothing in these rules guarantees that you will be paid.

To protect yourself:

• Keep your proof, photos and receipts for at least six months after the event.
• Keep everything about the deal on the platform, so the evidence is complete.

Confirming these rules

You confirm that you have read and agree to these rules:

• brands: before every bid, offer or request, and when paying;
• athletes: when creating an account, and before your first campaign takes payments.

We keep a record of each confirmation as evidence in case of a dispute. The record holds your account or email, the version of these rules, the time, your IP address and your browser.

Liability

As far as the law allows, we are not liable for:

• the delivery or quality of a sponsorship;
• a brand's failure to pay;
• chargebacks, refunds or decisions by Stripe, banks or card networks;
• the reach, exposure or commercial result of a sponsorship;
• losses caused by Stripe, banks or card networks.

Nothing here limits liability that Croatian law does not allow to be limited, such as liability for intent or gross negligence.

Law and changes

Croatian law applies. Disputes go to the competent court in Croatia, unless mandatory law gives you the right to go to another court.

When these rules change, we tell you at least 15 days before the change takes effect, unless the law requires a faster change. You then confirm the new version before your next bid, offer, request, payment or payout. The date at the top shows the last change.

Questions: hello@sponsormybody.com.