OnlyFans Terms of Service

Item: OnlyFans
Rating: 28
Author: Terms.Law Editorial Team

Last updated: December 2024 | Reviewed: February 2026

The largest creator subscription platform with terms heavily weighted toward protecting the company from regulatory and legal risks.

Grade F

Bottom Line: OnlyFans' terms are among the most creator-unfriendly in the industry. Broad content licensing, aggressive chargeback policies that put creators at financial risk, extensive payment holds, and the ability to terminate accounts with minimal notice create significant risks for creators who depend on the platform.

Category Scores

Content Ownership & Rights 22/100

Payment & Chargebacks 18/100

Account Termination 25/100

Dispute Resolution 35/100

Fee Transparency 38/100

Key Findings

⚠ Broad Content License

OnlyFans takes an extremely broad license to your content that survives account deletion. They can use your content for promotional purposes indefinitely.

"You grant us a license to use, reproduce, modify, adapt, publish, distribute, and display your Content... This license continues even after you stop using OnlyFans."

⚠ Creator Bears Chargeback Risk

When subscribers dispute charges, creators bear the full financial burden. OnlyFans deducts chargebacks from creator earnings, even for content already delivered.

"You are responsible for all chargebacks. We will deduct the amount of any chargeback, plus any associated fees, from your pending or future earnings."

⚠ Extended Payment Holds

OnlyFans can hold payments for extended periods and maintains reserves against potential chargebacks. Some creators report holds lasting months.

"We may hold payments for up to 7 days, or longer if we identify potential risk. We may also maintain a reserve from your earnings."

⚠ Account Termination Without Warning

OnlyFans can terminate accounts at any time for any reason, with no obligation to explain. Pending earnings may be forfeited upon termination.

"We may suspend or terminate your account at any time and for any reason, without notice. Upon termination, your right to pending payments may be forfeited."

Comparison: Creator Platforms

Feature	OnlyFans	Fansly	Fanvue
Platform Fee	20%	20%	15%
Chargeback Policy	Creator Bears All	Creator Bears Most	Shared Risk
Content License	Perpetual	Broad	Limited
Payment Hold	7+ Days	5-7 Days	3-5 Days
Termination Notice	None Required	Some Notice	Reasonable

Recommendation

For Creators: OnlyFans has the largest audience but the worst terms. Consider diversifying to other platforms to reduce risk. Never rely solely on OnlyFans income.

Financial Protection: Keep reserves to cover potential chargebacks. Document all content delivery. Consider the chargeback risk before fulfilling high-value custom requests.