Acceptance of Terms

By accessing and using Playbank ("the Platform"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our music platform or artist services.

About Playbank

Playbank is a music platform that enables fans to buy an own their music. We provide tools for artists to distribute their work and for fans to build a permanent, subscription-free music library.

Music Services

Using Our Platform

Our music services are available to all users subject to these conditions:

• Use the platform for lawful purposes only
• Do not attempt to bypass digital rights management or security features
• Respect artist copyright and intellectual property
• Do not use automated means to scrape or download content without permission
• Do not overload our servers with excessive requests

Music Content

• Music content is provided by artists and independent labels
• We do not endorse or guarantee the quality or accuracy of artist-provided metadata
• Users are responsible for maintaining their own account security to access their library
• We may remove or modify content for legal, copyright, or policy reasons

Artist Services

Music Ownership Model

• Fans pay a one-time fee to purchase albums or tracks
• Purchased music is added to the user's permanent library for streaming and download
• No monthly subscription fees are required to access purchased content
• A significant portion of every sale goes directly to the artist

Artist Responsibilities

As an artist on Playbank, you agree to:

• Provide accurate profile information and payout details
• Upload only original music for which you hold all necessary rights
• Comply with all applicable copyright laws and regulations
• Respect the intellectual property rights of other artists and creators
• Not submit deceptive, low-quality, or fraudulent content
• Maintain accurate metadata for all uploaded works

Content Policies

All music and profile content must comply with our policies. Prohibited content includes:

• Copyrighted material uploaded without authorization
• Hate speech or discriminatory content
• Violence-promoting or extremely graphic audio
• Malicious files or software disguised as audio
• Deceptive artist names or impersonation
• Spam or promotional content unrelated to music
• Content that violates third-party intellectual property rights

User Accounts and Registration

Account Creation

To purchase music or upload content, you must:

• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Be at least 18 years old or have legal capacity to enter contracts

Account Responsibilities

• You are responsible for all activities under your account
• You must keep your account information current and accurate
• You may not share or transfer your account to others
• You must comply with all applicable laws in your jurisdiction

Pricing and Payments

Music Sales

Our transparent pricing and payout structure includes:

• Artist-set pricing for albums and tracks
• Secure transaction processing for every purchase
• Direct payouts to artists based on sales volume
• Transparent fee reporting for all transactions

Payment Terms

• Payment is required at the time of purchase
• Payments are processed securely through our payment partners
• Refunds for digital downloads are generally not available except in specific technical cases
• Artists may modify their music pricing at any time

Intellectual Property

Playbank's Intellectual Property

• The Playbank platform, player technology, and distribution tools are our proprietary property
• Our trademarks, logos, and branding elements are protected
• You may not copy, modify, or reverse-engineer our platform or player

User Content

• Artists retain ownership of the music content they upload
• You grant us a license to host, display, and distribute your music to purchasers
• You represent that you have full legal rights to all content you submit
• You indemnify us against any copyright or intellectual property claims

Platform Availability and Performance

• We strive for high platform availability for streaming and downloads
• Scheduled maintenance will be announced in advance when possible
• We continuously work to improve audio quality and playback technology
• We reserve the right to modify or discontinue features with notice

Limitation of Liability

Playbank provides music and artist services "as is." We are not liable for:

• The accuracy of artist-provided information or metadata
• Loss of access to content due to user account security failure
• Business outcomes for artists using the platform
• Indirect, incidental, or consequential damages
• Loss of data, revenue, or business opportunities
• Service interruptions or technical issues

Indemnification

You agree to indemnify and hold harmless Playbank from claims arising from:

• Your use of our music or artist services
• Music or content you upload to our platform
• Violation of these terms or applicable copyright laws
• Infringement of third-party intellectual property rights

Privacy and Data Protection

Your privacy is important to us. Our data collection and use practices are detailed in our Privacy Policy, which is incorporated into these Terms of Service.

Termination

Termination by You

• You may stop using our services and delete your account at any time
• Artists may remove their content from the platform at any time
• Access to previously purchased music will be maintained where legally possible
• Active sales data will be retained as required for tax and legal purposes

Termination by Playbank

We may suspend or terminate access for:

• Violation of these Terms of Service or Content Policies
• Copyright infringement or fraudulent activity
• Abuse of our platform or other users
• Legal requirements or regulatory compliance

Dispute Resolution

• We encourage resolving disputes through our customer support team first
• Disputes will be governed by the laws of the jurisdiction where Playbank operates
• We may offer mediation or alternative dispute resolution methods

Changes to Terms

We may modify these Terms of Service to reflect:

• Changes to our services or business model
• Legal or regulatory requirements
• Industry best practices and standards

Significant changes will be communicated through platform notifications and email to registered users. Continued use constitutes acceptance of modified terms.