Terms of service

1. What PactReach does

PactReach is a product of Neerstack LTD. Neerstack LTD operates the platform where brands and creators agree paid collaborations, and provides an escrow and settlement service for those collaborations. The commercial agreement is between the brand and the creator. PactReach facilitates it, holds the funds, measures delivery, and settles payment.

2. Accounts

You must provide accurate information and keep your credentials secure. Brands must complete business verification (KYB) and creators must complete identity verification (KYC) before funds can be withdrawn. We may restrict an account where verification fails or where activity indicates fraud.

3. Wallets and escrow

• Wallet balances are held with our licensed payment partners. PactReach is not a bank and balances are not covered by deposit insurance.
• When a creator accepts an offer, the deal amount plus applicable fees is moved into escrow against that deal and is no longer available to the brand.
• Escrow releases to the creator on verified delivery, refunds to the brand where a deal ends without delivery, or is split following a dispute resolution.
• Wallet balances do not earn interest.

4. Fees

Fees applicable to a deal are computed and shown before either party commits, and are captured as a snapshot at the moment of acceptance. A later change to our published rates does not re-price a deal that has already been accepted.

5. Delivery and verification

Creators must publish the agreed deliverables using the tracked link supplied, include any required disclosure, and keep the content live for the minimum duration stated in the brief. Placements are verified at the tier the platform supports; performance-based pricing settles only against metrics we can measure or that the platform reports.

6. Disputes

Either party may raise a dispute while a deal is live. Escrow is frozen while a dispute is open. We review the evidence submitted by both parties and determine a split of the escrowed amount reflecting what was delivered. Our determination is final on the platform; it does not limit any right you have outside it.

7. Prohibited conduct

• Artificially inflating clicks, views or engagement by any means.
• Misrepresenting audience size, location or composition.
• Transacting outside the platform to avoid fees, where the deal originated on PactReach.
• Publishing content that breaches a platform’s own rules or applicable advertising law, including disclosure requirements.

8. Suspension

We may suspend an account or freeze a wallet where we reasonably suspect fraud, artificial engagement, or a breach of these terms. Where a wallet is frozen, funds already earned and undisputed are released once the review concludes.

9. Liability

PactReach is not liable for the performance of a campaign, for a creator’s creative output, or for a brand’s use of delivered content beyond the usage rights agreed. Our liability in respect of a deal is limited to the amount held in escrow for that deal.

10. Changes

We will give notice of material changes to these terms at least 14 days before they take effect. Continuing to use PactReach after that date constitutes acceptance.

11. Governing law

These terms are governed by the laws of the Federal Republic of Nigeria.