Terms of Service — Two Shares

1. What Two Shares Is

Two Shares, Inc. (“Two Shares,” “we,” “us”) operates a platform that lets fans send direct financial support to independent creators. We are a payment facilitator — we do not hold funds, make financial recommendations, or act as a financial adviser.

2. Payments and Fees

All payments are processed by Stripe. Two Shares charges a 5% platform fee on each Share, plus Stripe's standard card-processing fee (~2.9% + $0.30). Senders see the total before confirming. Creators receive the remaining amount directly into their connected Stripe Express account — Two Shares never accumulates a balance on your behalf.

3. Not Financial Advice

Nothing on Two Shares constitutes financial advice, a financial instrument recommendation, or a solicitation to buy or sell any financial product. Affiliate links on the platform are general “open an account” referrals with required FTC disclosures — they are not specific product recommendations.

4. Acceptable Use

You may not use Two Shares to send payments to yourself (self-transfers are blocked), to launder money, to circumvent velocity limits, or for any purpose that violates applicable law. Creators may not use their page to solicit participation in any regulated financial offering.

5. Refunds

Shares are generally non-refundable once a payment is confirmed. If you believe a charge was made in error, contact us at hello@twoshares.app within 14 days.

6. Intellectual Property

The Two Shares name, logo, and Graphic Card designs are owned by Two Shares, Inc. Creators retain all rights to their own content. By using the platform you grant us a limited licence to display your profile information to visitors of your public page.

7. Limitation of Liability

Two Shares is provided “as is.” To the extent permitted by law, our liability to you for any claim arising out of use of the platform is limited to the fees you paid to us in the 90 days preceding the claim.

8. Changes to These Terms

We may update these terms. Continued use of Two Shares after notice of changes constitutes acceptance of the updated terms. Material changes will be announced at least 14 days in advance.

9. Contact

Questions? hello@twoshares.app