Terms of Service
& Content Creator Agreement

1. Definitions

This document (these "Terms") outlines the legal terms that govern your use of the IMUTV website and applications, the IMUP3 audio streaming application, the IM Collectibles digital marketplace, the IMU Merch Store, and all related services (collectively, the "Service"). These Terms are a binding legal agreement between you ("User," "Creator," "you") and IMU, LLC ("IMU," "IMUTV," "we," "us," or "our"), a Florida limited liability company.

Your use of the Service is also governed by our Privacy Policy. Our Content Submission Guidelines, Community Guidelines, and any platform-specific addenda are incorporated into these Terms by reference.

• "Content" means any and all materials submitted by Creators, including but not limited to: sound recordings, musical compositions, audiovisual works (films, series, music videos, short-form video), visual art (paintings, digital art, photography, NFTs), animation, literary works, podcasts, and live stream broadcasts.
• "Creator" means any User who uploads, submits, or otherwise makes content available on the Service through the approved submission process.
• "Digital Collectible" or "NFT" means a non-fungible token minted on the XRP Ledger (XRPL) through the IM Collectibles platform, representing a unique digital asset.
• "IMUTV" means the connected-TV and web video platform operated by IMU, providing on-demand and live video streaming across Roku, Amazon Fire TV, Google TV, Android TV, Apple TV, web, and mobile applications.
• "IMUP3" means the interactive audio streaming application operated by IMU, providing on-demand music streaming, playlist creation, and podcast hosting across web, iOS, and Android.
• "IM Collectibles" or "IMC" means the digital collectibles and NFT marketplace operated by IMU at www.imcollectibles.io, built on the XRP Ledger.
• "IMU Content" means all content on the Service that is not User-submitted Content, including our branding, logos, software, text, graphics, and proprietary technology.
• "Platform" means any individual IMU service (IMUTV, IMUP3, IM Collectibles, or IMU Merch Store) or any combination thereof.
• "Service" means, collectively, all IMU platforms, websites, applications, and related services.
• "User" means any person who accesses or uses the Service, including general viewers, listeners, purchasers, and Creators.
• "XRPL" means the XRP Ledger, a decentralized, open-source blockchain.

2. Eligibility

2.1 Age Requirement

You must be at least eighteen (18) years of age to access or use the Service. By accessing the Service, you represent and warrant that you are at least 18 years old. If you are under 18, you may not access or use the Service under any circumstances.

2.2 Legal Capacity

You represent that you have the legal capacity to enter into a binding agreement. If you are accessing the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

2.3 Geographic Restrictions

The Service is available globally, subject to applicable law. You may not use the Service if you are located in, or a national or resident of, any country subject to comprehensive U.S. sanctions administered by the Office of Foreign Assets Control (OFAC), including but not limited to Cuba, North Korea, Iran, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine.

3. Your Account

3.1 Account Creation

You may browse certain portions of the Service without an account. However, an account is required to: (a) purchase goods, subscriptions, or digital collectibles; (b) submit Content as a Creator; (c) create playlists or save favorites; (d) access live streaming features; or (e) participate in community features.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must immediately notify us at legal@imutv.tv if you become aware of any unauthorized use of your account.

3.3 Account Accuracy

You agree to provide accurate, current, and complete information during registration and to update such information as necessary. We reserve the right to suspend or terminate accounts with false or incomplete information.

3.4 One Account Per Person

Each individual may maintain only one (1) User account. Creators may have separate Creator profiles associated with their User account.

4. Description of the Service

IMU operates a creator-first, licensed entertainment infrastructure platform. IMU is not a record label, music publisher, talent agency, content studio, or financial institution. Creators retain ownership of their Content while participating in transparent monetization. The Service consists of the following platforms:

• IMUTV: An interactive, on-demand video streaming and live broadcast platform delivering independent music videos, films, episodic television, animation, short-form content, and live streams through connected-TV applications (Roku, Fire TV, Google TV, Android TV, Apple TV), web, and mobile.
• IMUP3: An interactive, on-demand audio streaming application providing music streaming, user-created playlists and favorites, and podcast hosting through iOS, Android, and web applications.
• IM Collectibles (IMC): A digital collectibles and NFT marketplace built on the XRP Ledger (XRPL) where Creators can mint, list, and sell digital art, music collectibles, and other digital assets.
• IMU Merch Store: An e-commerce platform for the sale of physical merchandise, including IMU-branded products and Creator-designed merchandise fulfilled through IMU's fulfillment services.

5. Monetization, Payments & Subscriptions

5.1 Revenue Model

The Service operates a multi-tier monetization model:

• Free with Advertising (AVOD): Users may access certain Content at no charge, supported by advertising.
• Pay-Per-View (TVOD): Users may purchase access to specific Content on a per-item basis.
• Creator Subscriptions (SVOD): Creators may offer subscription-based channels, paywalls, or content access tiers. Subscription payments are processed through the Service and paid to the Creator, less the Platform Fee described in Section 5.2.
• Merchandise Purchases: Users may purchase physical merchandise through the IMU Merch Store.
• Digital Collectible Purchases: Users may purchase NFTs and digital collectibles through IM Collectibles.

5.2 Creator Subscription Platform Fee

For Creator-offered subscriptions, IMU retains a platform fee of five percent (5%) of the gross subscription revenue collected. The remaining ninety-five percent (95%) is remitted to the Creator in accordance with the monthly payout schedule described in Section 5.5. This 5% platform fee covers payment processing, platform hosting, infrastructure costs, and content delivery. IMU reserves the right to modify the platform fee percentage with sixty (60) days' prior written notice to affected Creators.

5.3 Payment Processing

The Service supports the following payment methods:

• Fiat Currency: Processed through Stripe or other authorized payment processors. All fiat transactions are subject to the payment processor's terms of service.
• XRPL/XRP: The Service accepts XRP payments for eligible transactions. XRPL transactions are processed through a non-custodial architecture. IMU does not custody, hold, or control your XRP tokens, wallet, or private keys. You acknowledge that blockchain transactions are irreversible and that IMU bears no responsibility for wallet security, lost private keys, or incorrect wallet addresses.

Dynamic Pricing & XRP Payment Mechanics. When a User selects XRP as a payment method, the USD-denominated price is converted into an XRP equivalent using a real-time dynamic pricing mechanism. All XRP payment processing, dynamic pricing, exchange rate calculations, exchange rate risk allocation, refund mechanics for XRP-paid transactions, transaction settlement, wallet security responsibilities, and all other cryptocurrency-related payment terms are governed by Schedule A: XRP, RLUSD & XFT Cryptocurrency Payment Terms, which is incorporated into these Terms of Service by reference. In the event of a conflict between these Terms and Schedule A regarding cryptocurrency payment matters, Schedule A shall control.

5.4 Subscription Billing & Cancellation

Subscription billing and cancellation policies vary by payment method.

(a) General. Creator subscriptions are billed on the schedule set by the Creator (monthly or annually) in U.S. Dollars. Subscription fees are non-refundable except as required by applicable law. No partial refunds are provided for unused subscription time.

(b) Stripe (Fiat) Subscriptions. Subscriptions paid via credit or debit card through Stripe auto-renew at the end of each billing period unless cancelled by the subscriber. You may cancel through your account settings at any time; cancellation takes effect at the end of the current billing period.

(c) XRPL Subscriptions (XRP, RLUSD, XFT). Subscriptions paid via XRPL do NOT auto-renew. XRPL transactions are one-time payments granting access for the selected billing period. The subscriber must manually renew before or after expiry to continue access. IMU sends email reminders at seven (7) days and twenty-four (24) hours before XRPL subscription expiry, and a forty-eight (48) hour post-expiry grace period applies. The full recurring payment mechanics for XRPL subscriptions are governed by Schedule A: XRP, RLUSD & XFT Cryptocurrency Payment Terms, Section 10.

(d) Effect of Creator Plan Changes on Fan Subscriptions. Active fan subscriptions are not terminated when a Creator changes their plan. Subscribers retain access until their current billing period ends. However, subscriber-only features (such as private chat or private streams) may become publicly accessible if a Creator downgrades to a plan that does not support those features. IMU does not issue refunds to fan subscribers affected by a Creator's plan change. One-time content purchases (TVOD) and NFT-gated content entitlements are not affected by Creator plan changes. The full Creator Plan tier framework, including downgrade cascade effects on Creators and Subscribers, is set forth in Section 17 of these Terms.

(e) Tipping. Tips are voluntary, non-refundable, and passed through one hundred percent (100%) to the Creator. Tipping mechanics, including XRPL irreversibility and tax responsibility, are governed by Schedule A, Section 8.

5.5 Creator Payout Schedule

Creator payouts for subscription revenue (less the 5% platform fee) and pay-per-view revenue are processed instantly. Creator payouts involving XRP, RLUSD, or XFT-paid transactions, including payout currency election, revenue calculation basis, fair market value determination, and payout thresholds, are governed by Schedule A: XRP, RLUSD & XFT Cryptocurrency Payment Terms, Section 7.

5.6 Tax Reporting

Creators receiving payments through the Service are responsible for all applicable taxes on their earnings. IMU will issue IRS Form 1099 (or equivalent) to Creators earning six hundred dollars ($600) or more in a calendar year, as required by U.S. law. Creators are responsible for providing accurate tax information (W-9 or W-8BEN for non-U.S. Creators) upon request. The tax treatment of XRP, RLUSD, and XFT transactions, including fair market value determination, 1099 reporting methodology for cryptocurrency payments, buyer capital gains implications, and international tax considerations, is governed by Schedule A: XRP, RLUSD & XFT Cryptocurrency Payment Terms, Section 11.

5.7 Chargebacks & Disputes

If a payment is subject to a chargeback or dispute by a purchaser, IMU reserves the right to deduct the disputed amount from the Creator's pending payout balance. Repeated chargebacks associated with a Creator's content may result in account review or suspension.

6. Acceptable Use Policy

You agree not to use the Service to:

• Post, upload, or transmit Content that is illegal, threatening, defamatory, obscene, pornographic, or profane.
• Engage in hate speech, harassment, bullying, or discrimination based on race, ethnicity, national origin, religion, gender, gender identity, sexual orientation, disability, or any other protected characteristic.
• Infringe upon the intellectual property rights of any third party, including unauthorized use of copyrighted music, characters, trademarks, or other protected works.
• Upload viruses, malware, or any code designed to disrupt, damage, or limit the functionality of the Service.
• Attempt to gain unauthorized access to other Users' accounts or to IMU's systems or networks.
• Use the Service for any form of money laundering, fraud, or to conceal criminal proceeds.
• Use the Service to facilitate sex trafficking or any activity prohibited under FOSTA-SESTA (18 U.S.C. § 1591 et seq.).
• Broadcast, upload, or distribute non-consensual intimate imagery (NCII), including AI-generated deepfakes, in violation of the TAKE IT DOWN Act.
• Use automated scripts, bots, or scraping tools to access, collect data from, or interact with the Service without prior written authorization.
• Circumvent or attempt to circumvent any access controls, digital rights management, content gating, or geographic restrictions.
• Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity.
• Use the Service to artificially inflate stream counts, views, followers, or any other metric.

7. Intellectual Property of the Platform

All IMU Content, including our software, code, user interface design, branding, logos, trademarks (IMU™, IMUTV™, IMUP3™, IM Collectibles™), text, and graphics is owned by IMU, LLC and is protected by U.S. and international intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to access and view the Service for personal, non-commercial use. You may not copy, modify, distribute, sell, or create derivative works based on IMU Content without our prior written consent.

8. Copyright Policy (DMCA)

8.1 Commitment to Copyright Compliance

IMU respects intellectual property rights and complies fully with the Digital Millennium Copyright Act ("DMCA"), 17 U.S.C. § 512. We maintain a registered DMCA Agent with the U.S. Copyright Office.

8.2 DMCA Takedown Notices

If you believe your copyrighted work has been infringed on the Service, you may submit a written notification to our designated Copyright Agent containing:

• A physical or electronic signature of the copyright owner or authorized agent.
• Identification of the copyrighted work claimed to have been infringed.
• Identification of the material that is claimed to be infringing, with sufficient information for us to locate it on the Service.
• Your contact information (address, telephone number, and email).
• A statement that you have a good faith belief that the use is not authorized by the copyright owner, its agent, or the law.
• A statement, under penalty of perjury, that the information in the notification is accurate and that you are the copyright owner or authorized to act on the owner's behalf.

Designated Copyright Agent: IMUTV Legal Department — dmca@imutv.tv

8.3 Counter-Notifications

If you believe your Content was removed in error, you may submit a counter-notification containing: (a) your physical or electronic signature; (b) identification of the removed material and its former location; (c) a statement under penalty of perjury that you believe the removal was a mistake or misidentification; and (d) your consent to the jurisdiction of the federal courts in the State of Florida. We will forward counter-notifications to the complaining party, who has fourteen (14) business days to file a court action before the material is restored.

8.4 Repeat Infringer Policy

IMU maintains a strict policy of terminating the accounts of Users who are repeat infringers. After three (3) valid DMCA notices against a User's account, the account will be permanently terminated. IMU reserves the right to terminate accounts after fewer than three notices in cases of egregious or willful infringement.

8.5 Rights Dispute Procedure

When a copyright dispute arises between Creators, the disputed Content will be paused (removed from public access) and any associated revenue will be held in escrow pending resolution. Disputes may be resolved through: (a) mutual agreement between the parties; (b) submission of documentation establishing ownership; or (c) court order.

9. Live Streaming Policy

9.1 General Rules

IMUTV provides live streaming capabilities for approved Creators. All live streams must comply with these Terms, the Acceptable Use Policy, and all applicable laws.

9.2 Music in Live Streams — Royalty-Free Requirement

Live streamers may NOT play copyrighted third-party music during live streams. All background music, sound effects, and audio elements used in a live stream must be either:

• (a) Royalty-free or Creative Commons-licensed music for which the streamer has obtained a valid license; or
• (b) The streamer's own original musical compositions performed live by the streamer during their own livestream.

9.3 Musician Exception

Musicians and performing artists who are streaming their own live performance may perform their own original music during their livestream. This exception applies ONLY to original compositions owned by the performing musician. Performing cover songs (compositions written by others) during a livestream requires the musician to have obtained appropriate performance licenses independently.

9.4 Liability for Unauthorized Music Use

Creators who use unauthorized copyrighted music in a live stream assume all legal liability for any resulting copyright claims. IMU is not liable for copyright infringement claims arising from a Creator's unauthorized use of third-party music during a live stream. Violations may result in immediate stream termination, content removal, and account suspension under the repeat infringer policy.

9.5 FTC Endorsement Disclosures

Live streamers who receive compensation, sponsorship, or free products in connection with their streams must make clear, conspicuous, and unavoidable disclosures (e.g., "Sponsored," "Paid Partnership," "Ad") in compliance with FTC Endorsement Guides (16 CFR Part 255). Failure to disclose material connections constitutes a violation of these Terms.

9.6 Non-Consensual Intimate Imagery (NCII)

In compliance with the TAKE IT DOWN Act, any live stream broadcasting non-consensual intimate imagery, including AI-generated deepfakes, will be immediately terminated. Victims may report NCII content to legal@imutv.tv and IMU will remove such content within forty-eight (48) hours of receiving a valid report.

10. Content Moderation

10.1 Approval-Based Content Model

IMUTV operates an approval-based content model. All Content is reviewed and approved prior to publication. IMUTV does not allow unrestricted public uploads.

10.2 Moderation Methods

Content moderation is performed through a combination of: (a) manual review by IMU staff during the Content submission and approval process; and (b) community reporting facilitated by designated Creator Ambassadors who serve as community moderators.

10.3 Content Removal

IMU reserves the right to remove, disable, or restrict access to any Content at any time, with or without notice, if we determine in our sole discretion that the Content violates these Terms, applicable law, or poses a risk to the Service, other Users, or third parties.

10.4 Content Ratings

All video Content must be assigned a content rating by the Creator during the submission process, using the TV Parental Guidelines system (TV-Y, TV-G, TV-PG, TV-14, TV-MA) or MPAA equivalent (G, PG, PG-13, R). IMU reserves the right to reclassify Content ratings. Mature-rated content (TV-MA/R) is subject to age-gating restrictions.

11. Grant of Distribution License

11.1 License Grant

By submitting Content to the Service, you grant IMU, LLC a non-exclusive, worldwide, sublicensable, and transferable license to:

• Host, store, reproduce, and cache your Content on IMU servers and content delivery networks as necessary to operate the Service.
• Distribute, publicly perform, display, and broadcast your Content across all IMU platforms (including web, Roku, Fire TV, Google TV, Android TV, Apple TV, iOS, Android, and future platforms).
• Create derivative works limited to technical modifications necessary for platform compatibility, including but not limited to: transcoding, format conversion, resolution adjustments, cropping for thumbnails, and audio normalization.
• Use your name, likeness, artistic pseudonym, album art, and biographical information in connection with the promotion and marketing of your Content and the Service, including but not limited to promotional trailers, social media posts, email marketing, and on-platform featured placements.

11.2 Purpose of License

This license is granted solely for the purpose of operating the Service, distributing your Content to audiences, and marketing both your Content and the Service. This license does not constitute a transfer of copyright or ownership in your Content. You retain all ownership rights in your Content.

11.3 Statutory Royalty Obligations

IMU shall be responsible for reporting to and remitting all applicable statutory royalties to the relevant Performing Rights Organizations (ASCAP, BMI, SESAC, GMR, SOCAN, and others as applicable), The Mechanical Licensing Collective (MLC), and other rights administration bodies as required by law, based on the actual usage (stream counts, performances) of Content on the Service.

11.4 Creator Compensation

Creators who offer subscriptions or pay-per-view content on the Service receive the applicable revenue less the 5% Platform Fee described in Section 5.2. The terms of this Section 11 grant IMU the operational rights necessary to distribute and promote your Content; they do not waive or replace any compensation to which you may be entitled under these Terms or applicable law.

11.5 Revocability

This license is revocable. You may request removal of your Content at any time by submitting a written takedown request to legal@imutv.tv. IMU will use commercially reasonable efforts to remove your Content from all platforms within thirty (30) calendar days of receiving a valid takedown request. You acknowledge that: (a) cached copies may persist on content delivery networks for a reasonable period after removal; (b) Content that has already been incorporated into NFTs or purchased downloads cannot be recalled from end users; and (c) IMU retains the right to maintain internal copies for legal compliance, reporting, and dispute resolution purposes.

12. Consent to Technical Modifications

You consent to IMU making reasonable technical modifications to your Content as necessary for display, distribution, and playback across different platforms, devices, and screen sizes. Such modifications may include, but are not limited to: cropping, resizing, aspect ratio adjustments, format conversion, transcoding, compression, audio normalization, thumbnail generation, and the addition of platform-required overlays (such as content ratings or closed captioning indicators). These modifications are solely for operational and technical purposes and do not constitute a claim of authorship or an alteration of your creative work.

13. Creator Representations and Warranties

By submitting Content to the Service, you represent and warrant that:

13.1 Ownership

You are the sole owner of the Content, including all copyrights, or you have obtained all necessary rights, licenses, consents, and permissions to grant the license in Section 11.

13.2 Music in Video (Sync Rights)

If you are submitting audiovisual Content (films, series, music videos, short-form video, animation) that contains music, you warrant that you have secured all necessary Synchronization Licenses and Master Use Licenses for every piece of music contained within your video. IMU's blanket public performance licenses with PROs do NOT cover the right to synchronize music with visual content — that right must be obtained by you, the Content creator, directly from the songwriter/publisher (sync) and recording owner (master).

13.3 Cue Sheets

For all long-form audiovisual Content (films, series, and any video exceeding ten (10) minutes in length), you must submit a completed Cue Sheet listing every piece of music used, including: title, composer(s), publisher(s), PRO affiliation, duration, and type of use (background, feature, theme). IMU will forward Cue Sheets to the applicable PROs to ensure proper royalty distribution.

13.4 Talent Releases

You have obtained written releases from all identifiable persons appearing in your Content, authorizing their appearance and the use of their name and likeness.

13.5 No Infringement

Your Content does not infringe upon the copyright, trademark, patent, trade secret, right of publicity, right of privacy, or any other proprietary right of any third party.

13.6 Accuracy

All metadata, credits, and information submitted with your Content is accurate and complete.

13.7 Compliance with Law

Your Content complies with all applicable laws, regulations, and industry standards.

14. Errors & Omissions Insurance (Long-Form Content)

Creators submitting long-form audiovisual Content (feature-length films, episodic series of three or more episodes, and documentary films) are strongly encouraged and may be required to maintain Producer's Errors and Omissions (E&O) liability insurance. If E&O insurance is required, IMU must be named as an "Additional Insured" on the policy. Minimum coverage requirements will be communicated during the Content approval process.

15. Special Provisions for Anime & Fan Content

15.1 Derivative Works

You acknowledge that fan art, fan fiction, or any creative work based on existing copyrighted properties may constitute a "derivative work" under copyright law. You represent and warrant that your fan Content either: (a) qualifies as fair use under 17 U.S.C. § 107; or (b) you have obtained written permission from the original rights holder.

15.2 Indemnification for Fan Content

You agree to indemnify, defend, and hold harmless IMU from any claims arising from a third-party rights holder's assertion that your fan Content infringes their intellectual property rights.

16. AI-Generated Content Policy

16.1 Disclosure Requirement

You must disclose if your Content was generated by, or significantly assisted by, artificial intelligence tools during the Content submission process.

16.2 Copyrightability

You acknowledge that purely AI-generated output may not be copyrightable under current U.S. Copyright Office guidance. You represent that any Content submitted contains sufficient original human authorship to qualify for copyright protection.

16.3 AI-Generated Likenesses

Content featuring AI-generated likenesses of real persons (including voice cloning and deepfakes) is prohibited unless the Creator has obtained verifiable written consent from the depicted individual.

17. Creator Plans

17.1 Plan Tiers

IMU offers four (4) Creator Plan tiers: Hobby (free), Beginner ($60/year or $6/month), Streamer ($100/year or $10/month), and Devoted (custom pricing set by IMU administration). Each tier provides a different combination of on-demand storage, monthly live streaming hours, monetization features (XRPL payment rails, NFT content gating, streaming royalty eligibility), subscriber-only features (private streams, private chat), and support level. Hobby Creators are limited to traditional Stripe-based payments, public content, and tipping; XRPL payment rails, NFT gating, and XFT streaming royalties are available only to Beginner, Streamer, and Devoted Creators. Tipping is available across all plans. Creator Plan subscriptions are billed monthly or annually in U.S. Dollars via Stripe. All Plan fees are non-refundable; no partial refunds are issued for unused subscription time. Stripe-billed Plans auto-renew at the end of each billing period unless cancelled. If a renewal payment fails after Stripe's automatic retry process, the Plan is automatically downgraded to Hobby and the cascade effects in Section 17.2 apply. Devoted Plans are individually negotiated and may include additional written terms. The complete Creator Plan tier framework, including the full feature matrix and pricing, is incorporated into these Terms by reference and is published on the Service's pricing page.

17.2 Plan Transition Effects

When a Creator changes their Plan tier (whether by voluntary upgrade or downgrade, or by automatic downgrade due to payment failure), the following cascade effects apply:

(a) Downgrade to Hobby. XRPL payment rails are disabled and all paid content reverts to Stripe-only payment; NFT content gating is disabled on all Creator content; the Creator's public profile is hidden from public listings; XRPL tipping is disabled and tips revert to Stripe only; subscriber-only stream and chat locks are removed, making streams and chat publicly accessible; and XFT streaming royalty accrual ceases (already-accrued unpaid XFT remains payable per the XFT Streaming Rewards Program Terms).

(b) Downgrade from Streamer to Beginner. Private chat (subscriber-only chat rooms) is disabled and the Creator's chat room becomes publicly accessible; NFT content gating is disabled on all content (a Streamer-and-above feature only); all other Beginner-tier features remain active.

(c) Upgrades. Features unlocked by the new plan tier become available immediately; however, XRPL payment rails, NFT content gating, and other advanced features are NOT auto-enabled and Creators must opt in via their Dashboard settings to prevent unintended exposure of payment configurations; Creator profile visibility is automatically set to public when upgrading from Hobby.

(d) Effect on Active Fan Subscriptions. Active fan subscriptions are NOT terminated when a Creator changes their Plan; subscribers retain access until their current billing period ends. However, subscriber-only features may become publicly accessible if a Creator downgrades, and IMU does not issue refunds to fan subscribers affected by a Creator's Plan change. One-time content purchases (TVOD) and NFT-gated content entitlements are not affected by Creator Plan changes.

17.3 Storage Add-Ons and Plan Modifications

(a) Storage Add-Ons. Creators may purchase additional storage capacity as yearly add-ons in the following increments: 50 GB ($20/year), 100 GB ($35/year), or 250 GB ($75/year). Storage add-ons are non-refundable, non-auto-renewing one-time payments for a twelve (12) month period. IMU sends an email notification approximately thirty (30) days before a storage add-on approaches expiry. When a storage add-on expires, the corresponding capacity is automatically removed from the Creator's account; if total used storage exceeds the remaining limit, the Creator will be unable to upload new content until storage is freed or a new add-on is purchased (existing hosted content is not deleted). Storage add-ons are portable across plan upgrades and downgrades and stack on top of base allocations. Multiple add-ons may be purchased and stacked, each with its own independent twelve-month expiry.

(b) Subscriber Tier System. Creators on Beginner, Streamer, and Devoted Plans may offer multiple subscription tiers (each, a "Subscriber Tier") to their fans, with differentiated pricing and access levels. Each Subscriber Tier may unlock different combinations of subscriber-only content, private streams, private chat (Streamer+), and other Creator-defined perks. Subscribers retain access only to the content and features associated with the specific Subscriber Tier they purchased. If a Creator modifies or removes a Subscriber Tier, existing subscribers retain their original tier benefits until the end of their current billing period.

(c) Plan Modifications by IMU. IMU reserves the right to modify Creator Plan pricing, features, storage limits, streaming allocations, and other Plan attributes with thirty (30) days' prior written notice. Modifications apply to renewals occurring after the effective date of the change; existing paid Creators are not retroactively charged additional amounts during their current billing period.

(d) Cancellation. Creators may cancel their Plan at any time through their Dashboard. Cancellation takes effect at the end of the current billing period. No partial refunds are issued for unused subscription time.

18. IMUP3 Service Description

IMUP3 is an interactive, on-demand audio streaming service. Users can search for, select, and play specific songs, albums, and podcasts. Users can create personal playlists, save favorites, and build libraries within their accounts. IMUP3 is classified as an interactive service under U.S. copyright law (17 U.S.C. § 114(j)(7)).

19. Podcast Terms

19.1 Podcast Submissions

Creators may submit podcasts for distribution through IMUP3. All podcasts are subject to the approval-based content model and must comply with these Terms.

19.2 Podcast Music Policy

Podcast creators are solely responsible for ensuring all music, sound effects, jingles, and audio content used in their podcasts is either: (a) original content owned by the podcast creator; (b) properly licensed from the rights holder; or (c) royalty-free or Creative Commons-licensed content. IMU's blanket performance licenses with PROs and The MLC do NOT extend to music embedded in podcast episodes by creators. Podcasts containing unlicensed third-party music will be removed, and repeated violations will result in account termination.

19.3 Podcast Content Standards

Podcasts must comply with the Acceptable Use Policy. Podcasts containing explicit language or mature themes must be marked as explicit during submission.

20. Audio Streaming User Rights

Your use of IMUP3 is limited to personal, non-commercial streaming. You may not: (a) record, download, or copy streams except through features expressly provided by the Service; (b) redistribute, broadcast, or publicly perform content streamed from IMUP3; (c) use IMUP3 content in any commercial establishment without a separate public performance license; or (d) circumvent any stream quality limitations, geographic restrictions, or access controls.

21. IM Collectibles Service Description

IM Collectibles is a digital collectibles marketplace built on the XRP Ledger (XRPL). Creators can mint, list, and sell non-fungible tokens (NFTs) representing digital art, music collectibles, and other digital assets. Purchasers can buy, collect, display, and resell Digital Collectibles on the marketplace.

22. What You Purchase

22.1 Consumer Collectible

When you purchase a Digital Collectible, you are purchasing a blockchain-verified token linked to associated digital content. Digital Collectibles are purchased for consumer enjoyment, use, and personal collection. Digital Collectibles are expressly NOT securities, investment contracts, or financial products as defined under U.S. federal or state securities laws.

22.2 No Investment Expectation

IMU makes no representations or guarantees regarding the future value, market demand, or resale potential of any Digital Collectible. You acknowledge that Digital Collectibles may lose all value. You should not purchase Digital Collectibles with any expectation of profit or investment return.

22.3 Limited License to Buyer

Unless a separate license agreement is provided by the Creator at the time of sale, purchasing a Digital Collectible grants you ONLY a non-exclusive, non-sublicensable, royalty-free license to use, copy, and display the associated digital content for personal, non-commercial use. Owning a Digital Collectible does NOT grant you:

• Copyright ownership in the underlying artwork, music, or content.
• The right to commercialize, reproduce for sale, or create derivative works.
• Trademark rights or any right to use the Creator's brand, name, or likeness.
• Any ownership interest, profit share, or governance rights in IMU or any Creator's business.

23. Creator Warranties for Digital Collectibles

Creators minting Digital Collectibles represent and warrant that: (a) they own the copyright or have all necessary rights to the digital content linked to the NFT; (b) the minting and sale does not infringe any third-party IP rights; (c) any AI-generated elements are disclosed; and (d) the content complies with the Acceptable Use Policy.

24. XRPL & Blockchain Terms

24.1 Blockchain Irreversibility

Transactions on the XRP Ledger are irreversible once confirmed. IMU cannot reverse, cancel, or modify any on-chain transaction.

24.2 Non-Custodial

IMU does not custody your XRP tokens, digital assets, or private keys. IMU is not a digital asset exchange, broker, wallet provider, or custodian.

24.3 Network Fees

Blockchain transactions may require network fees determined by the XRPL network, not set or collected by IMU.

24.4 Creator Royalties on Secondary Sales

Royalty payments may include automatic royalty mechanisms paying the original Creator a percentage of secondary sales. These royalties are enforced at the marketplace level and may not be enforceable on external marketplaces.

25. AML/KYC & OFAC Compliance

25.1 Anti-Money Laundering

You agree not to use IM Collectibles to launder money, finance terrorism, or conceal criminal proceeds. IMU implements creator identity verification, transaction logging, and anomaly monitoring.

25.2 Know Your Customer

IMU reserves the right to require identity verification for Creators and for purchasers conducting high-value transactions.

25.3 OFAC Sanctions

You represent that you are not located in any OFAC-sanctioned country or listed on any U.S. government sanctions list. IMU may implement geographic restrictions to enforce sanctions compliance.

26. Refund Policy for Digital Collectibles

Due to the nature of blockchain technology, all Digital Collectible sales are final. No refunds, exchanges, or cancellations are available once a transaction is confirmed on the XRPL.

27. Merch Store Description

The IMU Merch Store sells physical merchandise, including IMU-branded products and merchandise designed by Creators that is manufactured and fulfilled by IMU or its fulfillment partners.

28. Purchases & Payments

All merchandise purchases are processed through authorized payment processors. Prices are in U.S. dollars unless otherwise indicated. Sales tax will be calculated and collected as required by applicable state and local law.

29. Shipping, Returns & Refunds

29.1 Shipping

Shipping timelines and costs are displayed at checkout. IMU is not liable for delays caused by carriers, customs, or force majeure events.

29.2 Returns

Merchandise may be returned within thirty (30) days of delivery if defective, damaged, or materially different from the listing. Custom or personalized merchandise is non-returnable unless defective.

29.3 Refunds

Approved refunds will be processed to the original payment method within ten (10) business days of receiving the returned item.

30. Creator Merch Fulfillment Services

Creators may utilize IMU's fulfillment services for merchandise featuring their own designs, governed by a separate Creator Fulfillment Agreement. Creators warrant ownership of all design IP and agree to indemnify, defend, and hold harmless IMU from any claims arising from intellectual property infringement related to their designs.

31. Indemnification

You agree to indemnify, defend, and hold harmless IMU, LLC, its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Service; (b) your Content; (c) your violation of these Terms; (d) your violation of any third-party right; or (e) any dispute between you and another User or third party.

32. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IMU, LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF YOUR USE OF THE SERVICE, INCLUDING LOSS OF REVENUE, PROFITS, DATA, OR BUSINESS OPPORTUNITY, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IMU'S TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID TO IMU IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM; OR (B) ONE HUNDRED DOLLARS ($100).

33. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. IMU DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

34. Dispute Resolution & Arbitration

34.1 Informal Resolution

Before initiating formal dispute resolution, you agree to contact us at legal@imutv.tv and attempt to resolve the dispute informally for at least thirty (30) days.

34.2 Binding Arbitration

Any dispute that cannot be resolved informally shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Consumer Arbitration Rules, conducted in the State of Florida. The arbitrator's decision shall be final and binding.

34.3 Class Action Waiver

YOU AND IMU AGREE THAT EACH PARTY MAY BRING CLAIMS ONLY IN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

34.4 Exceptions

Either party may seek injunctive relief in any court of competent jurisdiction to prevent infringement or violation of intellectual property rights.

35. Governing Law

These Terms shall be governed by the laws of the State of Florida, without regard to conflict of laws provisions. Legal actions not subject to arbitration shall be brought exclusively in the state or federal courts in Florida.

36. Termination

36.1 By You

You may terminate your account at any time by contacting legal@imutv.tv.

36.2 By IMU

IMU may suspend or terminate your account at any time for violation of Terms, fraudulent activity, or legal requirements, with reasonable notice where practicable.

36.3 Effect

Upon termination: access ceases; outstanding payment obligations survive; Content removal per Section 11.5; and surviving provisions (indemnification, liability, dispute resolution) continue.

37. Modifications to Terms

IMU may modify these Terms at any time with at least thirty (30) days' notice for material changes. Continued use after the effective date constitutes acceptance.

38. App Store Terms

38.1 Apple

These Terms are between you and IMU, not Apple. Apple has no obligation for maintenance, support, or warranty for the Service.

38.2 Google Play

Use on Google Play devices is also subject to Google Play Terms of Service.

38.3 Roku

Use on Roku devices is subject to the Roku End User License Agreement.

38.4 Amazon Fire TV

Use on Amazon Fire TV devices is subject to Amazon's applicable terms.

39. Miscellaneous

39.1 Entire Agreement

These Terms, together with the Privacy Policy, Content Submission Guidelines, Community Guidelines, Schedule A: XRP, RLUSD & XFT Cryptocurrency Payment Terms, the XFT Streaming Rewards Program Terms, the Creator Plan Tiers (Section 17 of these Terms), the IM Collectibles Terms of Sale (for Marketplace participants), and the IM Collectibles Feature Addendum (for participants in Burn 2 Earn, Frequency Fountain, Tasks & Rewards, Redeem, Airdrops, or Champion of Frequencies), constitute the entire agreement between you and IMU with respect to the Service and supersede all prior agreements, understandings, and representations relating thereto.

39.2 Severability

If any provision is held invalid, the remaining provisions continue in full force.

39.3 Waiver

Failure to enforce any provision does not constitute a waiver.

39.4 Assignment

You may not assign your rights without IMU's consent. IMU may assign in connection with a merger, acquisition, or asset sale.

39.5 Force Majeure

IMU is not liable for delays caused by events beyond reasonable control.

39.6 Notices

Notices to IMU: legal@imutv.tv or IMU, LLC, 4651 Babcock St., NE, STE 18 Box 112, Palm Bay, FL 32905. Notices to you: email on file.

40. Contact Information

SA1. Scope and Relationship to Terms of Service

This Schedule A ("Schedule") supplements and is incorporated into the IMU, LLC Terms of Service ("Terms of Service" or "TOS"). This Schedule governs all cryptocurrency and digital asset payment transactions across all IMU platforms, including IMUTV, IMUP3, IM Collectibles, and IMU Merch Store (collectively, the "Service"). In the event of a conflict between this Schedule and the Terms of Service regarding cryptocurrency payment matters, this Schedule shall control.

Capitalized terms used but not defined in this Schedule have the meanings assigned to them in the Terms of Service.

SA2. Definitions

• "Accepted Cryptocurrencies" means XRP, RLUSD, and XFT, as described in Section SA3.
• "Dynamic Pricing" means the real-time conversion of a USD-denominated price into a cryptocurrency equivalent at the time of transaction.
• "Exchange Rate Oracle" means the third-party pricing feed or aggregator used by IMU to determine the current exchange rate between USD and an Accepted Cryptocurrency.
• "Fair Market Value" or "FMV" means the USD-equivalent value of a cryptocurrency at a specific point in time, as determined by the Exchange Rate Oracle.
• "Price Quote" means the specific cryptocurrency amount displayed to the User at checkout, calculated via Dynamic Pricing and valid for the Quote Validity Window.
• "Quote Validity Window" means the period during which a Price Quote remains valid, as specified in Section SA4.2.
• "RLUSD" means the USD-pegged stablecoin issued by Ripple Labs on the XRP Ledger, designed to maintain a 1:1 parity with the U.S. Dollar.
• "XFT" means the utility token issued by IMU, LLC on the XRP Ledger, used as a platform engagement reward and accepted as a payment method on the Service.
• "XRP" means the native digital asset of the XRP Ledger.
• "XRPL" means the XRP Ledger, a decentralized, open-source blockchain.

SA3. Accepted Cryptocurrencies

The Service accepts the following cryptocurrencies for eligible transactions:

SA3.1 Not All Payment Methods Available on All Plans

XRPL payment rails (XRP, RLUSD, XFT) are available only to Users transacting with Creators on Beginner, Streamer, or Devoted plans. Hobby-plan Creators may accept fiat (Stripe) payments and 1 XRPL payment option. Tipping via XRPL is available across all plans.

SA3.2 IMU Reserves the Right to Add or Remove Accepted Cryptocurrencies

IMU reserves the right to add or remove Accepted Cryptocurrencies at any time with thirty (30) days' prior written notice.

SA4. XRP Payment Mechanics

SA4.1 Dynamic Pricing

When a User selects XRP as a payment method, the Service converts the USD-denominated price into an XRP equivalent using a real-time Dynamic Pricing mechanism. The Exchange Rate Oracle sources the current XRP/USD rate from one or more reputable cryptocurrency pricing aggregators. The resulting Price Quote reflects the USD price, the XRP/USD exchange rate, and the calculated XRP amount.

SA4.2 Quote Validity Window

Each Price Quote is valid for a limited period displayed at checkout (the "Quote Validity Window"), typically between sixty (60) and one hundred twenty (120) seconds. If the transaction is not completed within the Quote Validity Window, the Price Quote expires and a new quote must be generated at the then-current exchange rate. IMU is not liable for price changes between an expired quote and a newly generated quote.

SA4.3 Settlement

Upon successful completion of an XRP payment, the XRPL transaction is settled on-chain. The transaction is confirmed when it is included in a validated XRPL ledger. IMU records the XRPL transaction hash, the USD amount, the XRP amount, and the exchange rate at the time of settlement for accounting and tax reporting purposes.

SA4.4 Exchange Rate Risk

YOU ACKNOWLEDGE AND ACCEPT THAT THE VALUE OF XRP IS VOLATILE AND MAY FLUCTUATE SIGNIFICANTLY. ONCE A TRANSACTION IS SETTLED ON THE XRPL, THE EXCHANGE RATE RISK PASSES ENTIRELY TO THE RECIPIENT. IMU IS NOT RESPONSIBLE FOR ANY GAIN OR LOSS IN VALUE BETWEEN THE TIME OF PAYMENT AND ANY SUBSEQUENT CONVERSION TO FIAT CURRENCY.

SA5. RLUSD Payment Mechanics

SA5.1 USD-Equivalent Pricing

RLUSD is designed to maintain a 1:1 parity with the U.S. Dollar. When a User selects RLUSD as a payment method, the RLUSD amount equals the USD-denominated price (e.g., a $10.00 purchase requires 10.00 RLUSD). No Dynamic Pricing conversion is applied to RLUSD transactions.

SA5.2 Peg Risk Acknowledgment

While RLUSD is designed to maintain a 1:1 USD peg, IMU does not guarantee this peg. In the event that RLUSD deviates materially from its USD peg (defined as a deviation exceeding 2% from $1.00 USD), IMU reserves the right to: (a) temporarily suspend acceptance of RLUSD payments; (b) apply Dynamic Pricing to RLUSD transactions until the peg is restored; or (c) permanently remove RLUSD as an Accepted Cryptocurrency.

SA5.3 Settlement

RLUSD transactions are settled on-chain on the XRPL in the same manner as XRP transactions. The transaction hash, USD amount, and RLUSD amount are recorded for compliance purposes.

SA6. XFT Payment Mechanics

SA6.1 XFT as Payment Method

XFT may be used to pay for eligible transactions on the Service where XRPL payment rails are available. The XFT value for payment purposes is determined by IMU at its sole discretion based on the then-current platform valuation of XFT.

SA6.2 XFT Valuation

IMU sets the XFT-to-USD conversion rate used for payment transactions. This rate is displayed at checkout and may differ from any rate available on third-party exchanges or decentralized trading platforms. IMU makes no representation that its internal XFT valuation reflects any external market value.

SA6.3 XFT Is Not a Security

XFT IS A UTILITY TOKEN DISTRIBUTED AS A PLATFORM ENGAGEMENT REWARD. XFT IS NOT A SECURITY, INVESTMENT CONTRACT, COMMODITY, SWAP, OR FINANCIAL INSTRUMENT AS DEFINED UNDER U.S. FEDERAL OR STATE SECURITIES LAWS, INCLUDING THE SECURITIES ACT OF 1933, THE SECURITIES EXCHANGE ACT OF 1934, OR THE INVESTMENT COMPANY ACT OF 1940. IMU DOES NOT OFFER, SOLICIT, OR PROMOTE XFT AS AN INVESTMENT. YOU SHOULD NOT ACQUIRE, HOLD, OR USE XFT WITH ANY EXPECTATION OF PROFIT, INVESTMENT RETURN, CAPITAL APPRECIATION, OR INCOME GENERATION.

SA6.4 No Guaranteed Value

IMU makes no representations or guarantees regarding the monetary value, market demand, exchange rate, liquidity, or future utility of XFT. XFT may have zero monetary value. The value of XFT is entirely at IMU's discretion for platform payment purposes and is inherently speculative in any external context.

SA7. Creator Payouts

SA7.1 Payout Currency Election

Creators receiving revenue from cryptocurrency-paid transactions may elect to receive payouts in: (a) USD, deposited via their connected Stripe account; or (b) the original cryptocurrency (XRP, RLUSD, or XFT), deposited to their connected XRPL wallet address. The payout currency election is made in the Creator's Dashboard settings and may be changed at any time. Changes apply to future payouts only.

SA7.2 Revenue Calculation Basis

For XRP-paid transactions, Creator revenue is calculated based on the USD value at the time of the original transaction (using the exchange rate locked at settlement), less the applicable Platform Fee. For RLUSD-paid transactions, the USD value equals the RLUSD amount. For XFT-paid transactions, the USD value is based on IMU's internal XFT valuation rate at the time of settlement.

SA7.3 Payout Frequency

Creator payouts for subscription revenue (less the 5% Platform Fee per Section 5.2 of the TOS) and pay-per-view revenue are processed in accordance with the payout schedule described in TOS Section 5.5. Cryptocurrency payouts are processed via XRPL transactions to the Creator's connected wallet address.

SA7.4 Payout Threshold

Payouts are subject to a minimum payout threshold of one U.S. dollar ($1.00) or the cryptocurrency equivalent. Balances below the threshold accumulate until the threshold is met.

SA8. Tipping

SA8.1 Tip Pass-Through

Tips sent to Creators via XRPL payment rails (XRP, RLUSD, or XFT) are passed through one hundred percent (100%) to the Creator. IMU does not retain any percentage, commission, or fee on tips. Creators are solely responsible for any fees charged by their connected Stripe account for fiat-denominated tips.

SA8.2 Non-Refundable

All tips are voluntary, non-refundable, and non-reversible. For XRPL-based tips, blockchain irreversibility applies — once a tip transaction is confirmed on the XRPL, it cannot be reversed, cancelled, or modified by IMU.

SA8.3 Tax Responsibility

Tip recipients are solely responsible for reporting all tip income for tax purposes. IMU will include tip income in IRS Form 1099 reporting if the Creator's total earnings (including tips) meet the $600 annual reporting threshold.

SA8.4 Prohibited Conduct

The following tipping behaviors are prohibited and may result in account suspension: (a) tip manipulation or artificial tip inflation using multiple accounts; (b) coerced tipping or tip-for-favors schemes; (c) using tips to circumvent Platform Fees or subscription pricing; (d) money laundering or structuring transactions through tipping.

SA9. Refund Mechanics for Cryptocurrency Transactions

SA9.1 General Rule

Due to the irreversible nature of blockchain transactions, cryptocurrency payments are generally non-refundable. Refunds for cryptocurrency-paid transactions are available only in the limited circumstances described below.

SA9.2 XRP Refunds

If a refund is approved for an XRP-paid transaction (e.g., due to a platform technical error as described in TOS Section 29), the refund will be issued in the USD-equivalent value at the time of the original transaction, deposited via the User's Stripe payment method (if available) or as a platform credit. IMU does not issue refunds in XRP. This protects both parties from exchange rate fluctuation between the transaction date and refund date.

SA9.3 RLUSD Refunds

Refunds for RLUSD-paid transactions may be issued in RLUSD to the User's original XRPL wallet address, or in USD via Stripe, at IMU's discretion. Because RLUSD is designed to maintain a 1:1 USD peg, the refund amount equals the original payment amount in either currency.

SA9.4 XFT Refunds

XFT used as payment is non-refundable. If a refund is approved for an XFT-paid transaction, IMU will issue the refund as a platform credit valued at the original XFT amount, redeemable for future transactions on the Service.

SA9.5 IM Collectibles

All Digital Collectible (NFT) purchases are final and non-refundable regardless of payment method, as set forth in the IM Collectibles Terms of Sale.

SA10. Recurring Payments (XRPL Subscriptions)

SA10.1 No Auto-Renewal on XRPL

Fan subscriptions and Creator subscriptions paid via XRPL (XRP, RLUSD, or XFT) do NOT auto-renew. XRPL transactions are one-time payments granting access for the selected billing period (monthly or annually). The subscriber must manually renew before or after expiry to continue access.

SA10.2 Renewal Reminders

IMU will send email reminders at seven (7) days and twenty-four (24) hours before XRPL subscription expiry. Failure to receive a reminder does not extend the subscription or relieve the obligation to renew.

SA10.3 Post-Expiry Grace Period

After an XRPL subscription expires, the subscriber has a forty-eight (48) hour grace period during which subscriber-only content remains accessible. If renewal is not completed within the grace period, access to subscriber-only content, streams, and chat is revoked until renewal.

SA10.4 Dynamic Re-Pricing at Renewal

For XRP-paid subscriptions, the renewal price is recalculated at the then-current XRP/USD exchange rate at the time of renewal. The subscriber will see the updated XRP amount at checkout. RLUSD subscriptions renew at the same RLUSD amount (equal to USD price). XFT subscriptions renew at IMU's then-current XFT valuation rate.

SA10.5 Fiat (Stripe) Subscriptions Auto-Renew

For clarity, fan subscriptions paid via Stripe (credit/debit card) auto-renew at the end of each billing period unless cancelled by the subscriber through their account settings. Cancellation takes effect at the end of the current billing period per TOS Section 5.4.

SA11. Tax Treatment

SA11.1 General Tax Responsibility

You are solely responsible for determining and fulfilling all tax obligations arising from your use of cryptocurrency on the Service, including but not limited to: income tax on earnings received in cryptocurrency, capital gains tax on the disposition of cryptocurrency, sales tax or value-added tax where applicable, and any reporting obligations under the laws of your jurisdiction.

SA11.2 1099 Reporting

IMU will issue IRS Form 1099 (or equivalent) to U.S. Creators and Users receiving cryptocurrency payments through the Service who earn six hundred dollars ($600) or more in a calendar year, as required by U.S. law. For 1099 reporting purposes, the USD value of cryptocurrency payments is determined at the Fair Market Value at the time of settlement, as recorded by IMU's Exchange Rate Oracle.

SA11.3 Fair Market Value Determination

For tax reporting purposes, the FMV of XRP is determined using the exchange rate from IMU's Exchange Rate Oracle at the time of transaction settlement. The FMV of RLUSD is its USD face value ($1.00 per RLUSD). The FMV of XFT is determined using IMU's internal valuation rate at the time of distribution or transaction.

SA11.4 Buyer Capital Gains

You acknowledge that using cryptocurrency (XRP, RLUSD, or XFT) to make a purchase on the Service may constitute a taxable event under U.S. tax law, potentially triggering capital gains or losses based on the difference between your cost basis and the FMV at the time of payment. IMU does not provide tax advice. Consult a qualified tax professional.

SA11.5 W-9/W-8BEN

Creators and Users receiving cryptocurrency payments are required to provide accurate tax identification information (W-9 for U.S. persons, W-8BEN for non-U.S. persons) upon request. Failure to provide tax documentation may result in withholding, payout suspension, or account restriction.

SA12. Wallet Security and Non-Custodial Architecture

SA12.1 Non-Custodial

IMU does not custody, hold, or control your XRP, RLUSD, XFT, or any other digital assets. IMU does not custody your private keys, seed phrases, or wallet credentials. You connect your own XRPL-compatible wallet (e.g., Xaman) to the Service to complete transactions. IMU is not a digital asset exchange, broker, wallet provider, or custodian.

SA12.2 User Responsibility

You are solely responsible for: (a) the security of your XRPL wallet, private keys, and seed phrases; (b) ensuring you send payments to the correct wallet address; (c) maintaining a sufficient XRP reserve in your wallet to cover XRPL network fees; and (d) maintaining trustlines for RLUSD and/or XFT if you wish to receive direct Payment deliveries of those tokens.

SA12.3 Lost Access

IMU cannot recover lost or stolen tokens, restore access to compromised wallets, or reverse transactions sent to incorrect addresses. If you lose access to your wallet, any cryptocurrency or digital assets in that wallet are permanently inaccessible. IMU bears no responsibility for wallet compromise, lost private keys, or incorrect wallet addresses.

SA12.4 Network Fees

All XRPL transactions are subject to network fees (sometimes called "transaction fees" or "gas fees") determined by the XRPL network protocol, not set or collected by IMU. These fees are typically minimal (fractions of an XRP) but are the User's responsibility.

SA13. Modifications

IMU reserves the right to modify this Schedule at any time. We will provide at least thirty (30) days' notice of material changes by updating this Schedule on the Service and, where possible, by email notification. Your continued use of cryptocurrency payment features after the effective date constitutes acceptance. Transactions completed before the effective date of any change remain governed by the Schedule in effect at the time of the transaction.

SA14. Contact

For questions about this Schedule or cryptocurrency payments on the Service:

1. Program Description

1.1 IMU operates an XFT Streaming Rewards Program ("Rewards Program") that distributes XFT tokens to eligible viewers and Creators based on streaming activity across the IMUTV and IMUP3 platforms. The Rewards Program is designed to incentivize platform engagement and reward both content consumers and content producers.

1.2 These XFT Streaming Rewards Program Terms ("Reward Terms") supplement and are incorporated into the IMU Terms of Service. Participation in the Rewards Program constitutes acceptance of these Reward Terms. Capitalized terms used but not defined herein have the meanings assigned in the Terms of Service.

1.3 The Rewards Program is separate from, but may operate alongside, other IMU reward mechanisms including the Frequency Fountain, Tasks & Rewards, and any promotional airdrop programs. Each such program is governed by its own terms.

2. Nature of XFT

XFT IS AN ISSUED CURRENCY (IOU) ON THE XRP LEDGER, ISSUED BY IMU, LLC. XFT IS A UTILITY REWARD TOKEN DISTRIBUTED AS AN INCENTIVE FOR PLATFORM ENGAGEMENT.

XFT IS NOT A SECURITY, INVESTMENT CONTRACT, COMMODITY, SWAP, OR FINANCIAL INSTRUMENT AS DEFINED UNDER U.S. FEDERAL OR STATE SECURITIES LAWS, INCLUDING THE SECURITIES ACT OF 1933, THE SECURITIES EXCHANGE ACT OF 1934, THE INVESTMENT COMPANY ACT OF 1940, OR THE HOWEY TEST AS ARTICULATED BY THE U.S. SUPREME COURT IN SEC V. W.J. HOWEY CO. (1946).

Specifically, XFT does not satisfy the elements of an investment contract under the Howey Test because: (a) XFT is distributed as a reward for active platform engagement (streaming), not in exchange for an investment of money; (b) XFT rewards are earned through individual user activity, not from a common enterprise; (c) XFT holders do not have a reasonable expectation of profits derived from the efforts of IMU or any third party; and (d) IMU makes no representations regarding the future value, appreciation, or market demand of XFT.

IMU DOES NOT OFFER, SOLICIT, OR PROMOTE XFT AS AN INVESTMENT. IMU MAKES NO REPRESENTATIONS OR GUARANTEES REGARDING THE MONETARY VALUE, MARKET DEMAND, EXCHANGE RATE, LIQUIDITY, OR FUTURE UTILITY OF XFT TOKENS. XFT MAY HAVE ZERO MONETARY VALUE. YOU SHOULD NOT PARTICIPATE IN THE REWARDS PROGRAM WITH ANY EXPECTATION OF PROFIT OR FINANCIAL RETURN.

3. Viewer Eligibility and Rewards

3.1 Eligibility

All registered Users may earn XFT for time spent watching or listening to content on IMUTV and IMUP3, subject to the following requirements:

• (a) You must be logged into your IMU account during the streaming session.
• (b) You must have an XRPL wallet address connected to your IMU account.
• (c) Your streaming session must maintain regular heartbeat signals (automatic — no user action required beyond actively playing content).
• (d) Anonymous or logged-out streaming does not earn XFT rewards.

3.2 Viewer Reward Rate

Viewers earn XFT at a rate of 0.25 XFT per ten (10) minutes of qualifying streaming time (the "Viewer Rate"). The Viewer Rate is an initial rate and is subject to change at IMU’s sole discretion pursuant to Section 9.

3.3 Trustline Delivery

A trustline to the XFT issuer on the XRPL is required to accrue rewards. However, at payout time: (a) if a trustline is set, rewards are delivered via a direct XRPL Payment; (b) if no trustline is set, rewards are thereby forfeited. The trustline enables seamless, automatic delivery and is the responsibility of the user to set up.

4. Music Artist Eligibility and Royalties

4.1 Eligible Plans

Artists on Beginner, Streamer, or Devoted plans earn XFT when their content is streamed by other Users. Hobby plan Creators are NOT eligible for streaming royalties. If an artist downgrades to Hobby, royalty accrual ceases immediately; however, already-accrued unpaid XFT remains payable per Section 5.

4.2 Artist Reward Rate

Creators earn XFT at a rate of 1.0 XFT per ten (10) minutes of their content being streamed by other Users (the "Creator Rate"). The Creator Rate is an initial rate and is subject to change at IMU’s sole discretion pursuant to Section 9.

4.3 Wallet Requirement

Creators must have an XRPL wallet address connected to their Artist profile to receive payouts.

4.4 Self-Play Exclusion

Creators do NOT earn Creator-side XFT royalties when they play their own content. For clarity, if a Creator streams their own content, their Viewer-side accrual (under Section 3) for the same session is unaffected — only the Creator-side royalty is excluded.

4.5 Accrual Basis

Creator royalty accrual is based on ALL logged-in viewer streams of their content, regardless of whether those viewers have XRPL wallets connected. A Creator whose content is streamed by 1,000 viewers earns from all 1,000 streams, even if only some of those viewers have wallets and are earning their own viewer rewards.

5. Payout Mechanics

5.1 Accrual Frequency

XFT rewards accrue hourly based on qualifying streaming seconds recorded during each hour.

5.2 Payout Frequency

Payouts are processed monthly via automated XRPL transactions. The daily payout batch processes all accrued rewards from the prior month that meet the minimum payout threshold.

5.3 Minimum Payout Threshold

A minimum payout threshold of 1.0 XFT applies. Balances below the threshold carry over to subsequent payout cycles.

5.4 Carryover Expiry

Pending accruals that have not reached the minimum payout threshold within ninety (90) days are forfeited ("Carryover Expiry"). IMU will send an email notification at sixty (60) days advising the User that their pending balance will expire in thirty (30) days unless the minimum threshold is met. This prevents indefinite accumulation of micro-balances. Carryover Expiry applies to both Viewer and Creator accruals.

5.5 Payout Failures

If a payout transaction fails due to a technical issue (e.g., insufficient XRPL reserve in the recipient’s wallet, expired trustline), IMU will retry the payout in the next daily batch. If three (3) consecutive payout attempts fail, the accrued balance will be held until the User resolves the issue. Held balances are not subject to Carryover Expiry while in a failed-payout state.

6. Anti-Gaming and Fraud Prevention

6.1 Prohibited Activities

The following activities are prohibited and may result in immediate forfeiture of all accrued rewards, account suspension, or permanent account termination:

• Artificially inflating streaming time through bot farming, automated scripts, or idle streaming without active engagement.
• Creating multiple accounts to farm rewards.
• Manipulating or spoofing heartbeat signals.
• Colluding with other Users to artificially inflate streaming metrics.
• Using any device, software, or technique to circumvent anti-gaming protections.
• Any other scheme, arrangement, or conduct designed to earn rewards fraudulently.

6.2 Idle Streaming Detection

If no heartbeat signal is received for more than ninety (90) seconds during a play session, the gap period does not count toward reward accrual. Accrual resumes automatically when a heartbeat signal is detected.

6.3 Wallet Timing

The XRPL wallet must be connected to the User’s account at the time of streaming. Connecting a wallet after a streaming session does not retroactively generate rewards for past sessions.

6.4 Investigation and Forfeiture

IMU reserves the right to investigate any suspected fraudulent activity. During an investigation, reward accrual and payouts may be suspended. If fraud is confirmed, all accrued rewards may be permanently forfeited, and the User’s account may be terminated.

7. Tax Responsibility

7.1 You are solely responsible for any tax obligations arising from the receipt of XFT tokens, including determination of Fair Market Value at the time of receipt. The IRS and other tax authorities may treat the receipt of XFT tokens as taxable income. IMU will include XFT distributions in IRS Form 1099 reporting in accordance with Schedule A, Section 11 of the Terms of Service.

7.2 IMU does not provide tax, legal, or financial advice regarding XFT tokens. Consult a qualified tax professional regarding your specific obligations.

8. Relationship to Other Reward Programs

8.1 No Double-Counting. For clarity, a single streaming session may simultaneously generate both Viewer rewards (for the viewer) and Creator rewards (for the content owner). This is not double-counting — it is two separate reward streams for two separate participants.

9. Modification, Suspension, and Termination

9.1 IMU reserves the right to modify, suspend, or terminate the Rewards Program at any time, with or without notice. This includes the right to change:

• Viewer and Artist reward rates.
• Eligibility criteria (plan requirements, wallet requirements, minimum streaming thresholds).
• Payout frequency, minimum thresholds, and Carryover Expiry periods.
• Anti-gaming rules and detection methods.
• Any other aspect of the Rewards Program.

9.2 Rate changes and eligibility changes apply prospectively and do not affect previously accrued rewards. If the Rewards Program is terminated entirely, any accrued rewards above the minimum payout threshold will be distributed in a final payout within thirty (30) days of termination. Accrued rewards below the minimum payout threshold at the time of program termination are forfeited.

9.3 IMU will use commercially reasonable efforts to provide advance notice of material changes to the Rewards Program, but is not obligated to do so. Your continued participation in the Rewards Program after any change constitutes acceptance of the modified terms.

10. Disclaimers and Limitation of Liability

THE REWARDS PROGRAM IS PROVIDED "AS IS" AND "AS AVAILABLE." IMU MAKES NO WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE REWARDS PROGRAM, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

IMU SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR PARTICIPATION IN THE REWARDS PROGRAM, INCLUDING BUT NOT LIMITED TO: LOSS OF XFT VALUE, FAILURE TO RECEIVE EXPECTED REWARDS, PAYOUT DELAYS, WALLET ISSUES, BLOCKCHAIN NETWORK FAILURES, OR CHANGES TO REWARD RATES.

IMU’S TOTAL AGGREGATE LIABILITY RELATED TO THE REWARDS PROGRAM SHALL NOT EXCEED THE FAIR MARKET VALUE OF XFT ACTUALLY DISTRIBUTED TO YOU IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

11. Governing Law and Disputes

These Reward Terms are governed by the laws of the State of Florida. Any dispute arising from the Rewards Program is subject to the dispute resolution and arbitration provisions of the IMU Terms of Service, Section 34, including the binding arbitration clause and class action waiver.

12. Contact

For questions about the Rewards Program, XFT tokens, or reward payouts: