OnlyFans' November 1 terms: what changes for fans and creators

I'm not a lawyer, and this isn't legal advice. What I do have is a background in reading contracts in a different industry, and that habit is why I sat down with both versions of OnlyFans' Terms of Use and compared them clause by clause. Everything below is quoted from the documents. Where I say what a clause means, that's my read, and you should read it yourself.

OnlyFans has published a new version of its Terms of Use, marked "Last updated: October 2026," and its email to creators says it takes effect November 1, 2026. The version still showing at onlyfans.com/terms as I write this is marked "August 2024." The new one lives at onlyfans.com/terms2026, which loads in a browser.

One limit up front: I compared the Terms of Use only. OnlyFans' terms page groups nine documents, including the Acceptable Use Policy, the Contract between Fan and Creator and the Community Guidelines. I haven't compared those, so this isn't a complete list of everything that changed. Section numbers below are from the new version.

What changes for creators?

The short version, as I read it: OnlyFans can now freeze an account and its earnings on a lower bar, promises less notice before future changes, and takes currency conversion fees out of payouts itself.

Can OnlyFans freeze my earnings over one suspected violation?

That's how I read it. Section 14.b lets OnlyFans, "at any time, without warning or Notice," suspend your account, pause payments and withhold any part of your earnings while it reviews. The power was already there; the trigger is what changed.

The August 2024 version said OnlyFans could do this if "we think you have or may have seriously or repeatedly breached the Terms of Service." The new 14.b.i drops three words: "we think you have or may have breached the Terms of Service."

"Seriously or repeatedly" is gone. The way I read it, one suspected breach of any size is now enough. The new section also adds two triggers that weren't there before:

• 14.b.iv: any action OnlyFans thinks "has caused or is reasonably likely to cause" a loss, or harm to "the reputation of OnlyFans or any of our Users."
• 14.b.v: "you do not promptly provide us with the necessary information we request."

That last one is the line I'd flag first. If OnlyFans asks you for information, answering slowly is now its own listed reason to freeze your earnings.

Will OnlyFans tell me before the terms change again?

Less firmly than before, as I read it. The August 2024 version said OnlyFans "will Notify you so you may delete your account before the changes take effect." Section 4 now says it "will use reasonable efforts to Notify you of any other material change."

There's a quieter change in the same section that I think matters more. The old text listed two cases where OnlyFans could change the terms without notice: to follow the law, and to address a risk. The new text drops the old "Where permitted" and says it may change any part "without Notice, including" those two cases. The terms define "including" to mean "without limitation." Read together, the way I read it, those two cases are now examples rather than the full list.

Does OnlyFans now charge currency conversion fees on payouts?

On payouts that need converting, yes. The old version said your bank might charge conversion fees and that OnlyFans wasn't responsible for them. Section 10.e now says: "Where payout amounts require a currency conversion, the final amount will include currency conversion fees to cover processing costs and exchange rates." Your bank can still charge its own fees on top. The text doesn't say which payout methods need converting, so check how your own payouts arrive.

What do the new terms say about AI?

Three separate things, and they point in different directions.

• OnlyFans' own AI (12.e, new): "We may provide platform services to Creators to improve Creator Interactions. These systems may process Content, including direct messages, and may use artificial intelligence and machine learning-enabled functionalities."
• AI content you post (19.b, tightened): the old version required AI content to follow the terms and carry a clear label. Now it covers anything "generated, altered, or enhanced by artificial intelligence," and you can only share it if "it clearly features the verified Creator," plus the label. AI content that doesn't feature you looks like it's out.
• Scraping and training (8.g, new): you may not use "any manual or automatic tool or process designed to collect any data or information from Content," or use content to "train or enhance any software, machine learning or artificial intelligence system."

Are AI chatbots banned?

Neither version of the Terms of Use mentions chatbots. I searched both. Section 8.g is about collecting data from content and training AI on it, which may or may not cover a given chatbot tool depending on how it works. I'm not a lawyer, and I'd want one to read 8.g against the exact tool before relying on it either way.

Am I responsible for what my agency or chatters do?

That's how I read it: the responsibility was already there. The August 2024 version said that if "someone else assists you with the operation of your Creator account, this does not affect your legal responsibility." Section 8.b now says "a third-party assists you with the management or operation," and adds "applicable laws" to what you're responsible for complying with. Section 13.a also now names "any third-party that assists with the management of their account" among the things OnlyFans doesn't control. The new wording names the arrangement more directly.

Do affiliate links count as ads now?

I read it that way. Section 18 now defines advertising content as including "paid sponsorships, affiliate arrangements." The labelling rule in 19.a was already there: a tag such as #ad, plus "the name of the brand advertised and who paid for the Advertising Content." What's new is that affiliate links are explicitly inside it.

What else changed for creators?

• Suspension notice (12): the old version said that if OnlyFans suspended or deleted content or accounts, "we will try to Notify you." That sentence is gone from the new version. Section 14.c still promises Notice and a statement of reasons when OnlyFans deletes an account or forfeits earnings after a review.
• Earnings and court orders (14.e, new): OnlyFans "may direct Creator Earnings to any third-party entitled to receive such payments by operation of law or court order."
• Fraud holds (11.d): OnlyFans may "hold or stop your Creator Earnings" over fraud or financial crime if it believes "we are legally required to do so."
• Pre-screening (8.e): the old version reserved the right to "pre-screen, monitor, or reuse Content." The new one says "refuse Content."
• Disputes (14.d): a dispute now has to be "in writing." The six-month deadline was already there.

What changes for fans?

Mostly clearer language about money and cancelling, plus the tools rule, which applies to fans as well as creators.

• Downloaders and scrapers (8.g): that new tools clause is written to "you," meaning every user, fans included. The way I read it, a tool or browser extension that pulls content off OnlyFans is now explicitly against the terms.
• Refunds (9.j): "all Subscriptions are non-refundable and you may not be Notified of a Subscription renewal."
• Cancelling (9.l): you can cancel "at any time through your account," or by written notice to support@onlyfans.com. The email option is newly spelled out.
• Prices and fees (9.e, 9.f): "Prices displayed in local currencies may include currency conversion fees and processing costs," and OnlyFans may add "any Tax, fee or other amount" to a payment "without further Notice" to comply with the law or payment network rules, "or as otherwise disclosed to you."
• Retried charges (9.i): if a payment fails, OnlyFans "may retry the first payment method on multiple occasions."
• Terminated accounts (14.c): prepaid subscriptions on an account closed for breaking the terms "may not be refunded." The old version said "will not."
• OnlyFans' own services (9.o, new): the terms now cover "Direct Services" OnlyFans sells itself, including free or discounted trials that "automatically convert into a paid Subscription" if you don't cancel.

What I'd do before November 1

This is my read, not legal advice. Restating it because it matters here: I'm not a lawyer, so for anything that could cost you your account, ask one.

• Read the new version yourself. The two documents are long, and a summary, including this one, can miss what matters to your setup.
• Answer OnlyFans' information requests fast. Slow answers are now a listed reason to freeze earnings (14.b.v).
• I'd label affiliate posts with an ad tag, the brand and who paid.
• I'd keep AI content to content that features me, and label it.
• If an agency or chatter touches your account, as I read 8.b, what they do is still on you.
• Don't keep your whole audience in one place. The more reasons a platform can freeze an account, the more it's worth having a way to reach people that you own. I've written about why I run my own site.

If you're a creator, the AI clauses in performer contracts post covers the other half of the AI question: what studios ask performers to sign.

— Sly