Terms of Use and Conditions

Part A — Preamble, Platform Role and Legal Definitions

1. Preamble and Acceptance

These Terms of Use and Conditions (the “Terms”) constitute a binding legal agreement between Peer Creators FZ-LLC, a free zone limited liability company licensed by the Dubai Development Authority (Commercial Licence No. 107476), with registered premises at HD05A, First Floor, In5 Tech, Dubai Internet City, Dubai, United Arab Emirates (“Peer Creators”, “we”, “us”, or the “Platform”), and any person or entity that accesses, browses, registers for, or transacts through the Platform (each a “User”, and collectively “Users”).

By creating an account, listing a Space or Service, submitting a booking, making a payment, or otherwise using any part of the Platform, you confirm that you have read, understood, and agree to be bound by these Terms and by every Incorporated Policy listed below. If you do not agree, you must not use the Platform.

1.1 Incorporated Policies

The following seven policies are incorporated into and form an integral part of these Terms. In the event of any conflict, the policy addressing the specific subject matter prevails over the general Terms:

1. Cancellation and Refund Policy
2. Community Guidelines and Acceptable Use Policy
3. Trust and Safety Policy
4. Damage Deposit and Property Protection Policy
5. Cookie Policy
6. PDPL Compliance Statement
7. Insurance Requirements Policy

1.2 Platform Ancillary Documents

1. Privacy Policy
2. Fees Schedule

2. Definitions

In these Terms, unless the context otherwise requires:

Platform:

the Peer Creators website, APIs, and related services operated by Peer Creators FZ-LLC.

User:

any registered or unregistered visitor to the Platform.

Creator:

a User (individual or entity) offering creative Services — including but not limited to photography, videography, styling, direction, or production support — through the Platform.

Host:

a User offering a physical Space, studio, venue, or location for temporary licensed occupancy through the Platform.

Client:

a User who books a Space, a Service, or a bundled combination of both through the Platform.

Booking:

a confirmed, paid reservation for a Space, a Service, or a bundle, arising from an accepted request on the Platform.

Service:

a creative service package offered by a Creator.

Space:

a physical location made available for temporary licensed occupancy by a Host.

Bundle:

a Booking combining a Space and one or more Services.

MDE:

Material Discrepancy Event — a verified, materially adverse deviation between what was advertised and what was delivered, as further defined in the Cancellation and Refund Policy.

Payout:

the net amount released by the Platform to a Creator or Host after deduction of applicable fees and taxes.

Split Instruction:

the Client’s allocation of a single payment across the Host and one or more Creators in a Bundle.

KYC:

Know Your Customer — the identity, ownership, and eligibility verification performed by the Platform or its verification partners.

PDPL:

Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data of the United Arab Emirates.

DIAC:

the Dubai International Arbitration Centre.

DIFC:

the Dubai International Financial Centre.

Part B — Relationships and Obligations

3. Role of the Platform

3.1 Neutral marketplace

Peer Creators operates as a neutral online marketplace connecting Creators, Hosts, and Clients. We are not a party to any contract for the provision of a Service or the licence of a Space between Users.

3.2 Facilitation only

The Platform facilitates listings, communications, bookings, payments, and dispute review. It does not itself provide creative services, own Spaces, or employ Creators or Hosts.

3.3 Discretionary intervention

Peer Creators may, at its discretion, intervene in disputes, moderate content, suspend accounts, or apply the Cancellation and Refund Policy where fairness, safety, accuracy, or legal compliance is materially affected.

4. No Employment or Agency

4.1 Independent Users

Nothing in these Terms creates an employment, agency, partnership, joint venture, or franchise relationship between Peer Creators and any User. Creators and Hosts operate as independent principals responsible for their own tax, licensing, insurance, and legal obligations.

4.2 No authority to bind

No User has authority to represent, contract on behalf of, or otherwise bind Peer Creators.

5. Licence to Occupy

5.1 Nature of grant

A Booking of a Space grants the Client (and any Creator engaged for the same session) a personal, revocable, non-exclusive, and non-transferable licence to occupy the Space for the booked purpose, date, and duration only. No tenancy, lease, or interest in land is created.

5.2 Scope of use

Use of the Space is limited to the activity, headcount, and equipment declared at booking. Additional or altered use requires the Host’s prior written consent through the Platform.

6. Creator Warranties

Each Creator warrants and represents that they:

1. are legally competent and authorised to provide the Services offered;
2. hold all necessary permits, licences, and insurances required by UAE law and their professional discipline;
3. own or have licensed all intellectual property used in their listings and delivery;
4. will perform Services to a professional standard consistent with industry practice in the UAE;
5. will comply with the Community Guidelines and Acceptable Use Policy at all times; and
6. will not solicit off-Platform bookings for engagements originating on the Platform.

7. Host Warranties

Each Host warrants and represents that they:

1. own the Space or have the legal right to grant temporary licences over it, including any required landlord, freezone, or municipal consent;
2. maintain the Space in a condition consistent with the listing, including declared amenities, dimensions, and photography;
3. hold valid public liability insurance appropriate to the Space and permitted activities as set out in the Insurance Requirements Policy;
4. comply with all applicable safety, fire, and accessibility regulations; and
5. will not cancel Bookings without cause or discriminate against Users protected under UAE law.

8. Client Warranties

Each Client warrants and represents that they:

1. have accurately described the intended activity, headcount, and equipment for the Booking;
2. will use the Space and Services only for lawful purposes and in compliance with the Community Guidelines;
3. will pay all agreed amounts, including any additional charges for damage, overrun, or Host-approved add-ons; and
4. will not attempt to circumvent Platform fees by transacting off-Platform for engagements originating on the Platform.

9. Verification and KYC

9.1 Verification tiers

Peer Creators applies a tiered verification framework proportionate to the risk profile of each User category. Enhanced verification is required for Hosts, high-value Creators, and any User whose activity exceeds thresholds published from time to time.

9.2 Cooperation

Users must provide accurate identity, ownership, and eligibility information on request. Failure to complete KYC within a reasonable period may result in withheld Payouts, suspension, or delisting.

9.3 Third-party verification

The Platform may use regulated third-party providers for identity, sanctions, and PEP screening. All processing complies with the PDPL Compliance Statement.

Part C — Operational Rules

10. Physical Damage

10.1 Responsibility

The Client and any Creator jointly and severally bear responsibility for physical damage to a Space caused during a Booking beyond ordinary fair wear and tear.

10.2 Damage deposit and claims

Damage deposits, evidentiary requirements, timelines, and dispute review are governed by the Damage Deposit and Property Protection Policy.

11. Professional Standard

Creators must deliver Services with reasonable skill, care, and diligence consistent with prevailing UAE industry practice for the discipline booked. Persistent failure to meet professional standards may result in reduced visibility, delisting, or refund enforcement under the Cancellation and Refund Policy.

12. Intellectual Property

12.1 Platform IP

All rights in the Platform, its trademarks, software, and content (excluding User Content) remain the exclusive property of Peer Creators.

12.2 User Content

Users retain ownership of the content they upload but grant Peer Creators a worldwide, royalty-free, non-exclusive licence to host, display, reproduce, and promote such content for the operation and marketing of the Platform.

12.3 Deliverables

Ownership of Creator-produced deliverables is a matter for the Creator-Client engagement. Absent a written agreement to the contrary, the Client obtains a non-exclusive licence to use the deliverables for the purpose disclosed at booking; commercial exclusivity requires an express written upgrade.

13. Risk Allocation Matrix

The following matrix summarises the primary allocation of risk between Users. It is indicative and does not override any specific clause of these Terms or Incorporated Policy.

14. Payments

14.1 Collection

The Platform collects all Booking amounts from the Client at confirmation through its regulated payment partners. Funds are held by the payment partner and remitted to the Platform for onward Payout.

14.2 Payout flow

1. Client pays the full Booking amount at confirmation.
2. Platform deducts its Service Fee, applicable taxes, and any Split Instructions.
3. The remaining balance is released to the Host and each Creator in accordance with the Payout schedule set out in the Fees Schedule, typically 24–72 hours after successful completion of the Booking.
4. Withheld amounts may apply where a dispute, MDE claim, or KYC gap is under review.

14.3 Split Instruction mechanics

For Bundles, the Client’s single payment is split at the Platform layer according to the Split Instruction recorded at checkout. Each Host and Creator sees only their allocated portion in their Payout ledger; the Split Instruction is immutable after Booking confirmation except by mutual written variation through the Platform.

14.4 Currency and settlement

All prices are displayed and settled in United Arab Emirates Dirham (AED) unless otherwise indicated. Cross-currency conversion, where offered, is performed by the payment partner at their prevailing rate.

15. Fees

Peer Creators charges a Service Fee to Clients and a Commission to Hosts and Creators. Current rates, thresholds, and any promotional adjustments are set out in the Fees Schedule. The Platform may amend the Fees Schedule from time to time on not less than thirty (30) days’ prior notice for existing Users.

16. VAT and Corporate Tax

16.1 VAT

Where applicable, UAE Value Added Tax at the prevailing standard rate is added to the Service Fee and Commission and clearly itemised at checkout and on Payout statements.

16.2 User tax obligations

Each User remains solely responsible for their own VAT registration, corporate tax registration, and income declarations arising from Platform activity. The Platform does not provide tax advice and its issuance of statements is not a substitute for professional advice.

17. Cancellations, Refunds and MDE

All cancellations, rescheduling, refunds, grace period rules, host-initiated cancellations, and MDE reviews are governed exclusively by the Cancellation and Refund Policy, which is incorporated into these Terms. In case of conflict, that policy prevails over any inconsistent statement in these Terms.

Part D — Liability and Risk

18. Indemnification

Each User agrees to indemnify, defend, and hold harmless Peer Creators, its affiliates, officers, directors, employees, and agents from and against any and all claims, losses, liabilities, damages, penalties, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

1. the User’s breach of these Terms or any Incorporated Policy;
2. the User’s violation of any applicable law or third-party right;
3. any content the User posts, transmits, or makes available through the Platform; and
4. any Booking, Service, or use of a Space arranged through the Platform.

19. Limitation of Liability

19.1 Exclusions

To the maximum extent permitted by law, Peer Creators shall not be liable for indirect, incidental, consequential, special, or punitive damages, loss of profits, loss of business, loss of goodwill, or loss of data arising from or in connection with the Platform.

19.2 Layered cap

Peer Creators’ aggregate liability to any User in any twelve (12) month period is capped in accordance with the layered structure below:

20. Insurance

Users must hold and maintain insurance appropriate to their role and activity on the Platform. Minimum lines, sums insured, and evidence requirements are set out in the Insurance Requirements Policy. Failure to maintain required cover is a material breach of these Terms.

Part E — Governing Law and General

21. Governing Law and Arbitration

21.1 Governing law

These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of the Dubai International Financial Centre (DIFC).

21.2 Arbitration

Any dispute arising out of or in connection with these Terms, including any question regarding its existence, validity, or termination, shall be finally resolved by arbitration administered by the Dubai International Arbitration Centre (DIAC) under the DIAC Arbitration Rules in force at the commencement of the arbitration, which rules are deemed incorporated by reference. The seat of the arbitration shall be the DIFC. The tribunal shall consist of one arbitrator. The language of the arbitration shall be English.

21.3 Interim relief

Nothing in this clause prevents a party from seeking urgent interim or conservatory relief from a court of competent jurisdiction.

22. General Provisions

22.1 Amendments

We may amend these Terms from time to time. Material changes take effect no earlier than thirty (30) days after posting or direct notice, whichever is later. Continued use of the Platform after the effective date constitutes acceptance of the revised Terms.

22.2 Survival

Clauses relating to Payments already earned, Intellectual Property, Indemnification, Limitation of Liability, Governing Law, and any other provision that by its nature should survive, shall survive termination of these Terms.

22.3 Notices

Notices to Peer Creators must be sent to legal@peercreators.com. Notices to Users are given via the email address associated with the account or through in-Platform messaging.

22.4 Assignment

A User may not assign or transfer these Terms without our prior written consent. Peer Creators may assign these Terms to an affiliate or in connection with a merger, acquisition, or sale of assets.

22.5 Severability

If any provision of these Terms is held to be invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

22.6 Entire agreement

These Terms, together with the Incorporated Policies and Platform Ancillary Documents, constitute the entire agreement between the parties regarding the Platform and supersede all prior understandings.