Anti-Fraud Policy
For the purpose of this Policy, the “End User” refers to the person or legal entity that has entered into a contractual relationship with us, accepting the Terms of Use and providing content to be made available on Digital Service Providers (DSPs). “We” or “Us” refers to Revolut Network.
The purpose of this policy is to provide:
- A clear definition of what we mean by “fraud”.
- A summary to End Users of their responsibilities for avoiding fraudulent activities.
- Guidance for all parties involved regarding actions to be taken when we, the DSP, or any other third party suspect fraudulent activity.
- Clear guidance on responsibilities for conducting investigations into fraud-related activities.
- Protection for rights holders who may be victimized due to fraudulent activities.
This document is intended to provide guidance and should be read in conjunction with:
- The Terms of Use
- The Privacy Policy
Definitions
- End User: The person or legal entity that has entered into a contractual relationship with Revolut Network for the use of the platform.
- User Account: Accounts owned by End Users.
- Fraud: Unauthorized exploitation of material protected by copyright (Copyright Infringement); the infringement of laws regulating the ownership of legal rights; the use of modified artist, band, or label names or artwork that may create confusion or false expectations related to content served to consumers by DSPs (i.e., Musical Spam); the use of automated digital bots or other means to simulate consumer activity on payment-generating links (i.e., Click Fraud), resulting in unnatural and fraudulent income generation; the upload of distorted or manipulated music to generate revenue; fraud related to NFTs or blockchain technologies; and other unauthorized activities in breach of the Terms of Service or agreements we have with DSPs.
Fraud Policy
Fraud of any kind is unacceptable to us and goes against the core values of our company.
Why We Take a Strict Stance Against Fraud
Fraud affects everyone:
- It harms not only us and the platforms (DSPs) but also other creatives, as their copyrights, reputation, or rightful share of revenue may be negatively impacted.
- Our reputation, contracts with DSPs, and ultimately our ability to provide services to other users are at risk.
Our Goal
Our goal is to protect our services from fraudulent activities and to act decisively and effectively when suspicions arise.
DSP Actions Against Fraud
Most DSPs use a combination of algorithms and human review to detect fraudulent activities. If suspicious streams are identified:
- The relevant content may be removed.
- Future payouts linked to suspicious activities may be withheld.
Our Actions Against Fraud
We actively monitor our platform to identify fraudulent activities through:
- Sales Monitoring: Automated analysis of sales data, artist profiles, user information, social media presence, and other indicators of irregular activity.
- Content Fingerprinting: Cross-checking new and existing content with databases to avoid duplicate uploads, blank tracks, copyrighted materials, or other unauthorized content.
- Quality Control: Ensuring accurate metadata to prevent misleading artist names, track titles, or music spam.
Procedures for Suspected Fraud
If we detect or suspect unauthorized activities (e.g., bot-generated streams, click fraud, or music spam):
- Three-Strike Warning System: A tiered warning system that may lead to account suspension if ignored.
- Revenue Withholding: Earnings from suspicious activities may be frozen.
- Account Suspension: Accounts with repeated violations will be suspended.
Consequences of Fraudulent Activities
- Termination of the business relationship.
- Recovery of unlawful earnings from future payments.
- Deduction of legal costs and fees from outstanding balances.
Categories of Fraudulent Activities
Fraud cases are categorized into three levels:
- F0: Critical issues related to account information.
- F1: Click fraud.
- F2: Music spam and copyright violations.
F0 and F1: Critical Issues
Immediate action and potential account suspension apply in these cases:
- F0 Cases: False or incomplete account information, unauthorized content, or inconsistent IP activities.
- F1 Cases: Sudden revenue spikes without a corresponding fan base, missing customer data, or earnings without verifiable sales or streams.
F2: Music Spam and Copyright Violations
An account will receive a warning if:
- Metadata is misleading (e.g., incorrect artist names or track titles).
- Artists, labels, or record companies are being impersonated.
- Content includes copyrighted material without permission.
- DSPs or rights holders report a violation.
Warning System
For F1 or F2 issues:
- A warning will be issued, and the user will be informed.
- The user has 5 business days to respond and provide necessary information. Otherwise, further actions will follow.
Consequences of Warnings
First Warning:
- User is informed.
- The relevant content is removed.
- A warning about future violations is issued.
Second Warning:
- User is informed.
- The relevant content is removed.
- Notification that the account will be suspended upon a third warning.
Third Warning:
- User is informed.
- The account is suspended.
- All user content is removed.
- Earnings are withheld for up to 5 years.
Policy for Suspended Accounts
If the user fails to respond within 5 business days:
- The account will be suspended, and all services terminated.
- All content from the account will be removed.
- Earnings from suspicious activities will be withheld for up to 5 years.
During the 5-year withholding period:
- We will contact claimants to resolve legitimate payments, including costs, penalties, or compensation.
- Any remaining funds will be paid to the user after this period.
Reinstating a Suspended Account
To reinstate a suspended account, the user must:
- Provide accurate and complete account information.
- Submit identity verification documents (e.g., passport or ID card).
- Share artist profiles, website URLs, and social media details consistent with sales data.
Resolving Warnings
Users can lift warnings by:
- Correcting metadata.
- Providing proof of ownership (e.g., licenses or agreements).
- Securing the necessary permissions for their content.
If the provided information is sufficient, the warning will be lifted. Otherwise, it will remain in place.
Revenue Withholding ("Escrow")
Earnings from content that violates our terms of use may be withheld for up to 5 years to:
- Allow the user to prove the legitimacy of their account.
- Resolve DSP claims for refunds due to fraudulent activities.
- Address legitimate rights holders’ claims to earnings.
Content Removal
We will remove confirmed infringing content. Additionally:
- DSPs may flag and remove suspicious content at their discretion.
- All content from suspended accounts will be removed.