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Legal

Introduction

All users must adhere to our platform guidelines related to:

  1. Eligibility – Meeting the requirements to use Whop.
  2. Prohibited conduct & content – Restrictions on unlawful or inappropriate behavior.
  3. Reviews – Fair and honest review practices.
  4. Bank Disputes – Proper resolution of payment issues.
  5. Whop Balance – Responsible use and management of funds.
  6. Paying Other Users – Legitimate transactions only.

If you violate our guidelines, we may take one or more of the following actions:

  • Remove content
  • Limit platform access
  • Suspend your account
  • Withhold payouts
  • Claw back withdrawals from your bank account
  • Refund customers

We enforce these measures to maintain a fair and secure marketplace for all users.

1. Eligibility 

You must be at least 13 years old to use Whop.

2. Prohibited conduct & content

This applies to all content on the platform, including store pages, chats, forum posts, and direct messages. Users may not engage in the following:

  • Illegal activity – Using the Service or selling products for any unlawful purpose, violating local, state, national, or international laws.
  • Drug and alcohol sales – Selling alcohol, drugs, substances that mimic them, or related paraphernalia. Groups
  • Ticket reselling – Selling tickets acquired through bots or automated purchasing software.
  • Indecent content – Selling or sharing content that is objectionable, profane, indecent, pornographic, harassing, threatening, hateful, or otherwise inappropriate.
  • Intellectual property violations – Selling, leaking, or disclosing proprietary data or information obtained through the Service; infringing on third-party copyrights, trademarks, or proprietary rights.
  • Unauthorized data access – Using bots, scrapers, crawlers, or other automated tools to access or collect data from the Service.
  • Non-fiat currency transactions - Selling Crypto, NFTs, staking services, etc.
  • Hacking and security violations – Tampering with security features, bypassing content restrictions, reverse engineering code, spreading malware, or disrupting servers and networks.
  • Harassment – Engaging any user with unsolicited, unwelcome, disrespectful, physically abusive or offensive behavior. Examples of harassment include, but are not limited to, user targeting attempts (social media bans, server bans, attacking other users’ social media), unwanted physical intimidation, depicting people in a negative light based on prohibited grounds, e.g. racial or religious harassment, age harassment, etc.
  • Solicitation – Sending unsolicited offers, advertisements, or promotions to other users.
  • Privacy violations – Collecting or sharing personal information of other users or third parties without consent.
  • Impersonation and fraud – Pretending to be someone else, misrepresenting identity or affiliation, or accessing another user’s account without permission.
  • Unregistered Financial Services - Loan repayment, debt collection, personalized investment planning
  • IPTV (Internet Protocol Television) - Selling or distributing unauthorized access to IPTV services or content streams. Promoting or facilitating piracy, illegal streaming, or copyrighted material.

Generally, we cannot support businesses that are not supported by Stripe. You can find all restricted businesses here:

https://stripe.com/legal/restricted-businesses

3. Reviews

Reviews play a vital role in helping prospective customers make informed purchase decisions. To ensure fairness and transparency, all reviews must adhere to the following guidelines:

  • Honest & Accurate – Reviews should reflect genuine opinions, findings, and experiences. False, misleading, or unsubstantiated information is not allowed.
  • Full Disclosure – If you have any connection to the creator that could influence your review—such as employment, free products, or affiliate relationships—you must clearly disclose it.
  • Incentivized Reviews – Creators offering incentives for reviews must inform users of these guidelines, monitor content, and report non-compliant reviews to support@whop.com. You may not provide incentive for a fake review.

We will not approve reviews that contain:

  • Spam or repetitive content – This includes excessive use of symbols, distracting text, or irrelevant images.
  • Private information – Do not share your own or others' personal details, such as phone numbers, email addresses, mailing addresses, or license plates.
  • External links – To prevent phishing and malware risks, links are not allowed, including those with referrer tags or affiliate codes.
  • Prohibited content – Reviews must not contain anything that violates our prohibited content policies.

If you come across a review that violates these guidelines, you can report it by clicking the report button next to the review.

4. Disputes

Whop is committed to consumer protection while fostering a platform where high-quality businesses can thrive.

Dispute rate expectations

To maintain a trustworthy marketplace, businesses must keep their bank dispute rates within acceptable limits. All creators are encouraged to keep their dispute rate at less than 2%.

If a Whop exceeds these thresholds:

  • The account will be placed on up to 100% reserve, preventing withdrawals.
  • Whop will conduct a review of the account, which may lead to further actions, including suspension of pay-ins (preventing new sales).

Whop uses a weighted score called Dispute Risk Score to determine if reserves or suspension is needed for a Whop.

We calculate two Dispute Risk Scores to assess your account:

  • Rate-Based
  • GMV (Sales volume) Based

These scores are calculated based on your Dispute rate, your auto-refund rate, and the rate at which customers submit cases in Resolution Center.

Your Score will range from 0-5+

Less than 2 is acceptable, and no reserves or restrictions will be placed on your account.

  • A score of 2-3 will result in 25% of your balance being held on reserve.
  • A score of 3-4 will result in 50% of your balance being held on reserve.
  • A score of 4-5 will result in 75% of your balance being held on reserve.
  • A score of 5+ will result in your account being suspended.

You can see your Dispute Risk Score in your Creator Dashboard and we will email you if your Dispute Risk Score exceeds 2.

The best way to keep your Dispute Risk Score below 2 is to keep your Dispute Rate below 2%, as this is the heaviest weighted factor in the score.

Customer bank dispute policy

To resolve payment issues, customers must use the on-platform Resolution Center before filing a bank dispute.

  • If a dispute is filed without first attempting resolution through Whop, a warning email will be issued.
  • A second violation will result in account suspension.
  • If the dispute is later resolved in the customer’s favor, Whop will reverse any enforcement action.

This policy is designed not as a penalty but as a safeguard to protect businesses from unnecessary financial risk. Bank disputes can severely impact creators, and our goal is to maintain a fair and sustainable marketplace for all users.

5. Whop balance

Your account balance may go negative due to bank disputes or refunds processed through the Resolution Center. We strongly recommend waiting a few weeks before withdrawing 100% of your funds to ensure you have a buffer for potential disputes or refunds.

Negative Balance Policy

  • If your balance falls below -$50 and -$500 for more than 7 days, your account will be suspended.
  • If your balance falls below -$500 for more than 72 hours, your account will be suspended.
  • You can restore access by topping up your balance through the creator dashboard.
  • If your balance remains negative after the respective timeframes, Whop will attempt to recover the funds from your bank.
  • If fund recovery fails, your account will be permanently banned from the platform.

Maintaining a positive balance ensures smooth payouts and uninterrupted access to your account.

6. Paying users

Whop facilitates transactions for the exchange of commercial goods or services, or tips for goods or services.

  • Any payment you make or receive shall be solely exchanged for bona fide commercial goods or services. 
  • You may not use Whop to transfer money to another user for personal, family, or household purposes (e.g., gifts, reimbursements, loans), nor for any transaction that could be deemed peer-to-peer money transmission. 
  • You must accurately specify the purpose of each payment by selecting an option from the provided drop-down list.
  • Whop is not a bank – we do not hold or transmit funds. All transactions are processed through third-party providers (e.g., Stripe) in accordance with their terms.
  • You may not use Whop for illegal activities, personal fund transfers, money laundering, or any purpose that would require Whop to function as a financial institution.
  • You are responsible for ensuring the legitimacy of all transactions.
  • Any payment disputes are strictly between you and the other user. While Whop may assist payment processors in fraud investigations, we do not mediate disputes.

By following these guidelines, you help maintain a safe and secure environment for all users.