What do the terms say happens to your unpaid balance if your account closes?
Of the 15 platforms I read: may keep or withhold it, 5; depends on the reason, 6; not stated in the pages I read, 4. Each quote is the platform's exact wording, with a link to the page it came from.
May keep or withhold it (5)
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we may delete your account without payment and/or permanently ban you from Fansly.
Source For creators who breach the terms (including the creator-specific prohibited uses), the platform may delete the account without payment; it may also forfeit revenue earned by violating users, and may withhold funds on deletion for prostitution or trafficking violations. -
Restrict, suspend, or withhold earnings and payouts.
Source When the platform detects or is told of infringing content, the actions the terms let it take include restricting, suspending or withholding earnings and payouts. The terms do not say whether withheld earnings are later released. Creator payment terms sit in a separate agreement I have not read. -
We may treat any part of your Creator Earnings as forfeited
Source Clips4Sale may treat creator earnings as forfeited if it determines a breach or suspected fraud has occurred, and may withhold them during an investigation. The terms give six months to dispute a forfeiture. They do not say what happens on other terminations. -
forfeit all accrued or pending earnings, cancel all current or pending payouts, terminate your account
Source If the operator finds the creator broke the Terms or a warranty was untrue, it may treat as forfeited accrued or pending earnings and cancel pending payouts, and may withhold payments indefinitely for violations or third-party claims. -
including suspension or termination of monetary payments, suspension or termination of the provision of the service
Source The terms say that if prohibited content is uploaded, the platform may suspend or end payments, along with other measures at its sole discretion. Creator payment terms sit in a separate agreement I have not read.
Depends on the reason (6)
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(ii) treat any part of your Creator Earnings as forfeited;
Source The platform may treat earnings as forfeited if a review finds a breach. When a creator deletes their own account, it says it will pay all unpaid earnings. Earnings may also be withheld during a review and set off against losses from a breach. -
We may treat any part of your Creator Earnings as forfeited
Source After an investigation finding breach or suspected fraud the platform may treat creator earnings as forfeited; when a creator closes their own account, the terms say unpaid creator earnings will be paid out, except balances below the minimum payout threshold that cannot be processed, which are forfeited. Balances too small to process are forfeited when the account closes. -
any outstanding amounts owed by MV to UPLOADER will be forfeited.
Source The terms say the balance is forfeited if the platform ends the account for a material breach. When the uploader closes the account, they say balances over US$20 are paid and smaller ones are forfeited. The terms do not say what happens when the platform ends an account without a breach. -
YourVids reserves the right to withhold any pending Payouts where it reasonably suspects fraud, a violation of these Terms
Source Pending payouts are processed after termination, subject to holds and deductions, but the platform may withhold them for suspected fraud, violation, dispute or legal hold; earnings below the minimum payout threshold may be forfeited. -
any outstanding payments owed to you may be kept as a penalty
Source The Ad Revenue Agreement says that when the platform ends it for a breach, a suspected violation of law or at its sole discretion, the creator receives no compensation and outstanding payments may be kept as a penalty. When the creator asks to close the account, it says a balance over the US$100 minimum is paid and a smaller one is abandoned. From the Ad Revenue Agreement; I read the version effective April 11, 2025.I read the general terms and the Ad Revenue Agreement. I have not read the separate Creators' Program terms.
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your account will be immediately terminated, any monies earned but not yet paid will be forfeited
Source The terms say remaining tokens are paid out when a broadcaster closes their own account, and that unpaid earnings are forfeited if the account is ended for breaking the keyword and domain-name rules. The terms do not say what happens to earnings when the platform ends an account for any other reason.
Not stated (4)
The pages I read for these platforms don't give a clear answer. Where they say something close, my note says what. Silence is not a promise either way, and it does not mean no rule applies: a platform can act under a general clause, or under an agreement that isn't on its public pages.
- JustForFans. Nothing on this in the pages I read.
- iWantClips. The terms list 'forfeiture of revenue' among remedies for prohibited acts without saying whose revenue. Payout terms sit in a separate Artist Agreement I have not read.
- LoverFans. Creator payment terms sit in a separate agreement I have not read.
- XVideos. Nothing on this in the pages I read.
Not read
Stripchat. I could not read its terms page with the tools I used, so I left it out rather than guess.
NiteFlirt. I read only its rules page, not its user agreement, so I left it out rather than report silence.
The other questions
I'm not a lawyer. These pages record what the documents said the day I read them, so read the source before you act on any of it.