Terms of Service

You must be at least 19 years of age — the age of majority in British Columbia — to register as a Worker or to use the Platform in any way. By using the Platform you represent and warrant that you meet this requirement.

You must have the legal capacity to enter into a binding contract under the laws of British Columbia. If you are using the Platform on behalf of a business or organisation, you represent that you have authority to bind that entity to these Terms.

The Platform is available in jurisdictions where Stripe supports payouts to connected accounts. We make no representation that the Platform is appropriate or available in any particular location. It is your responsibility to ensure your use of the Platform complies with all applicable local laws.

To receive tips through the Platform, you must register as a Worker by providing accurate, current, and complete information, including your name, country of residence, and a valid email address. You must keep this information up to date and promptly update your account if any information changes. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

To receive payouts, Workers must connect a Stripe Express account and complete Stripe's identity verification and Know Your Customer ("KYC") process. By connecting a Stripe account, you agree to Stripe's Connected Account Agreement and Stripe's Services Agreement. Gnarnia Holdings is not responsible for any delay, refusal, or suspension of payouts by Stripe.

Workers may only use the Platform to receive voluntary tips for legitimate personal service work. By registering, you represent and warrant that you are not engaged in, and will not use the Platform in connection with, any activity listed on Stripe's Prohibited and Restricted Businesses policy (available at stripe.com/legal/restricted-businesses), which is incorporated into these Terms by reference. We reserve the right to conduct underwriting and ongoing monitoring of Worker accounts at any time. This may include reviewing transaction patterns, chargeback rates, and account activity, and may result in account suspension, termination, or the imposition of payout reserves where we or Stripe determine that risk thresholds have been exceeded.

Your Worker profile — including your name, photo, role, and workplace — must be truthful and not misleading. You must not impersonate any person or create a false impression of your identity or affiliation.

You are solely responsible for all activity under your account. You agree to notify us immediately at support@tipdrop.org if you become aware of any unauthorised use of your account. We are not liable for any loss arising from unauthorised use of your account where you have failed to keep your credentials secure.

Tips sent through the Platform are voluntary gratuities freely given by Guests. They are not wages, guaranteed compensation, or consideration for any contract of service. Gnarnia Holdings makes no representation regarding the volume or frequency of tips any Worker will receive.

A platform service fee of 5.9% + $0.30 CAD (or the local currency equivalent) is added to the tip amount and charged to the Guest at the time of payment. This fee covers platform operation and payment processing. Workers receive the full tip amount selected by the Guest, subject to Stripe's payout terms and applicable withholding requirements.

Because tips are voluntary gratuities and are transferred directly to Workers, they are generally non-refundable once a payment is confirmed. Guests who believe a payment was made in error should contact their card issuer.

Tips are processed in the Worker's account currency as configured during onboarding. Exchange rates, if applicable, are determined by Stripe and the Guest's card issuer.

Payout timing is determined by Stripe and the Worker's selected payout schedule. Gnarnia Holdings has no control over payout timing and is not liable for any delay in funds reaching a Worker's bank account.

Workers are solely responsible for any chargebacks, payment disputes, reversals, fines, or penalties arising from tips received through their account, regardless of whether the underlying tip was legitimate. Where Gnarnia Holdings or Stripe incurs a loss resulting from a chargeback or dispute associated with a Worker's account, Gnarnia Holdings reserves the right to:

• deduct the disputed amount (plus any associated fees) from future payouts to that Worker;
• set off any amount owed by the Worker against any balance held on the Worker's behalf;
• withhold pending payouts until the dispute is finally resolved; and
• demand immediate repayment from the Worker if no future payouts are available to cover the amount.

Workers agree to co-operate with Gnarnia Holdings and Stripe in the investigation and defence of any chargeback or dispute. Failure to co-operate may result in account suspension.

We or Stripe may, in our sole discretion, withhold a portion of a Worker's payouts as a rolling reserve if we determine — based on chargeback rates, transaction patterns, account history, or other risk signals — that there is elevated risk of future losses. We will give reasonable notice of any reserve requirement. Reserves will be released when the risk conditions are no longer present, subject to applicable chargeback time-limits.

If a payout has already been transferred to a Worker's bank account and is subsequently reversed, clawed back, or found to relate to a fraudulent or disputed transaction, the Worker must repay the full amount to Gnarnia Holdings immediately upon demand. Gnarnia Holdings may set off any amounts owed by a Worker against future payouts, platform credits, or any other amounts we hold on the Worker's behalf. This obligation survives termination of the Worker's account.

Visa, Mastercard, and other payment networks may impose fines or penalties on Gnarnia Holdings arising from excessive chargebacks, fraud rates, or violations of network rules attributable to a Worker's account. Any such fines that Gnarnia Holdings incurs as a result of a Worker's conduct or account activity will be passed through and owed by that Worker, and may be recovered through the mechanisms set out in sections 4.6 and 4.8.

Guests are not required to create an account to send a tip. By sending a tip, Guests agree to these Terms and our Privacy Policy.

By submitting a payment, Guests authorise Gnarnia Holdings and Stripe to charge the stated total amount (tip + platform fee) to the provided payment method. Guests represent that they are authorised to use the payment method provided.

Nothing in these Terms or the Platform creates any obligation for a Guest to tip any Worker. Tipping is entirely voluntary.

The TipDrop name, logo, Platform design, software, and all associated intellectual property are owned by Gnarnia Holdings Inc. or its licensors. Nothing in these Terms grants you any right to use our intellectual property except as necessary to use the Platform for its intended purpose.

By uploading a profile photo or any other content to the Platform ("Worker Content"), you grant Gnarnia Holdings a non-exclusive, royalty-free, worldwide licence to store, display, and use that content solely for the purpose of operating and improving the Platform. You represent that you own or have the right to use all Worker Content you submit, and that it does not infringe any third-party rights. We reserve the right to remove any Worker Content at our discretion.

You may stop using the Platform at any time. Workers may request account deletion by contacting us at support@tipdrop.org. Deletion of your TipDrop account does not terminate your Stripe Connect account; you must manage that separately through Stripe.

We may suspend or terminate your access to the Platform at any time, with or without notice, if we reasonably believe you have violated these Terms, if required by law, or for any other reason at our sole discretion. Upon termination, any pending payouts will be subject to Stripe's policies.

The following sections survive termination of these Terms for any reason: 4.6 (Chargebacks, disputes, and reversals), 4.7 (Payment reserves), 4.8 (Payout clawback and set-off), 4.9 (Card network fines), 6 (Taxes), 7 (No Employment Relationship), 9 (Intellectual Property), 11 (Disclaimers), 12 (Limitation of Liability), 13 (Indemnification), and 15 (Governing Law). In particular, a Worker's liability for chargebacks and disputes survives account closure for as long as the applicable card network time-limits permit a chargeback to be filed.

These Terms and any dispute arising out of or relating to these Terms or the Platform shall be governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law principles.

You irrevocably submit to the exclusive jurisdiction of the courts of British Columbia, Canada for the resolution of any dispute arising out of or relating to these Terms or the Platform. If you are a consumer resident in British Columbia, you may also have the right to bring a complaint before Consumer Protection BC.

Before initiating any formal dispute, you agree to contact us at support@tipdrop.org and attempt to resolve the matter informally for at least 30 days. This requirement does not apply to urgent injunctive relief.

These Terms and our Privacy Policy constitute the entire agreement between you and Gnarnia Holdings with respect to the Platform and supersede all prior agreements and understandings.

If any provision of these Terms is held to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force.

Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision.

You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction.

These Terms are written in English. Any translation is provided for convenience only; the English version governs in the event of any conflict.