OnlyFans has announced a terms of service update that takes effect on November 1, and creators may be asked to accept the new OnlyFans terms of service when they log in.
Although the platform has revised its terms several times over the years, this latest update has attracted particular attention because it covers some of its most significant areas, including account suspensions, CRM and AI tools, AI-generated content, and creator payouts. This guide breaks down what’s changing and what’s staying the same.
The New OnlyFans Terms at a Glance
The updated terms of service introduce several key changes that creators and fans should be aware of. The table below shows how the August 2024 terms compare with the new rules.
| Area | August 2024 terms | New terms |
| Suspensions | Needed a serious or repeated breach | Breach or possible breach, likely reputational harm, or slow replies to info requests |
| Notices and disputes | Notice promised before changes | Reasonable efforts to notify of material changes; disputes in writing within six months |
| Account management | Creators stayed fully responsible for accounts run with help from agents or agencies | Third parties can help manage accounts, but creators remain responsible |
| Data and AI tools | No explicit restrictions | Bans data-collection tools, access-control workarounds and AI training on creator content |
| AI content | Had to be labeled | Must be labeled (e.g., #ai) and clearly feature the verified creator |
| Currency conversion | Warned banks may charge fees | Conversion fees on payouts |
| Checkout fees | No express provision | Taxes and fees can be added to fan payments |
| Payment retries | Subscription didn’t renew if payment was declined and no other payment was added | Failed payments can be retried |
| Affiliate links | No ad disclosure rules | Must be labeled as ads, naming the brand and payer |
| Refunds | No explicit wording | Subscriptions nonrefundable; fans cancel via support |
For a full breakdown of rules, read our guide to what you can and can’t do on the platform.
Suspensions and Withheld Earnings
A lower bar for suspension
Under the August 2024 terms, OnlyFans had to believe a creator had seriously or repeatedly broken the rules before acting. The new terms require only that a creator has broken, or may have broken, them. This means OnlyFans can now suspend your account and withhold your earnings while it investigates the potential breach. The terms don’t set a time limit on how long earnings can be held during a review.
New reasons OnlyFans can act
One new reason is anything OnlyFans believes has caused, or is reasonably likely to cause, financial loss or reputational damage. Another is failing to promptly provide information requested by OnlyFans.
Less notice and written disputes
OnlyFans now commits only to making reasonable efforts to notify users of material changes, and some changes can be made without notice. A statement of reasons after a decision still remains, and creators have six months to dispute the decision, but disputes now need to be made in writing.
New Rules on CRM Tools, Data Collection and AI Training
OnlyFans now bans tools designed to scrape data from content or bypass its access controls.
The terms don’t name any specific CRMs or chat tools, so there’s no approved or banned list. What counts is how a tool works, not its name. Creator content also can’t be used to train or improve AI or machine learning systems.
Stricter Rules for AI-Generated Content
Under the 2024 terms, AI-generated content needs to be labeled. The updated OnlyFans terms of service introduce stricter requirements: content generated, altered or enhanced using AI must be labeled (for example, #ai) and clearly feature the verified creator.
Creators should also check whether their editing apps use AI tools to ensure their content is labeled correctly and complies with the updated rules. For more information on the rules of using AI, read our guide to OnlyFans AI-generated content policy.
Payouts, Pricing and Advertising Changes
Payouts that require currency conversion will now incur additional conversion fees. If you receive payments in USD directly into a US bank account, this change is unlikely to affect you. However, if your payouts are converted into another currency, it’s worth comparing your net payments after November 1 to see how the new fees affect the amount you receive.
Extra fees and sales tax at checkout
OnlyFans can now add sales tax, fees or other charges on top of what fans pay. This means fans may see a higher total at checkout than the price you’ve listed. For tips on deciding costs, explore our guide on how much to charge on OnlyFans.
Bank and ID checks
Your bank account details may be checked against your identity verification. Your earnings can also be paid to a third party if they’re entitled to them by law or a court order. For a step-by-step walkthrough, read our guide on how to verify your OnlyFans account.
Affiliate links now count as advertising
Affiliate posts must now carry an ad label (such as #ad), name the brand, and say who paid for the promotion.
What the Update Means for OnlyFans Agencies
OnlyFans’ updated terms of service now formally recognize third-party account management. That doesn’t change who’s accountable, though: creators remain legally responsible for everything their agency and chatters do on the account. If you’re new to working with an agency, here’s how OnlyFans management works.
Agencies should review their tools and chatter processes against the updated terms, and creators should check that their agency contracts clearly cover these responsibilities. Our guide to OnlyFans agency red flags covers what to look out for.
At FansHub, we already manage accounts in line with these rules across our services for women, men and trans creators.
What Changes for Fans
Subscriptions are now nonrefundable, although fans can cancel by contacting support via email or using the unsubscribe button. When a payment is declined, the system may retry it several times before the renewal fails, giving creators more opportunities to recover missed payments.
The OnlyFans update also introduces direct services, which are products sold by OnlyFans itself. Some may include free trials that automatically convert into paid subscriptions when the trial period ends, potentially resulting in a charge unless canceled beforehand. Local consumer protection laws may still apply.
What Stayed the Same
A few key terms remain unchanged under the update, including:
- The 20% platform fee charged by OnlyFans.
- OnlyFans’ right to terminate an account with 30 days’ notice, for any reason.
- The perpetual license creators grant OnlyFans to use their content.
- A liability cap set at the greater of the fees paid or $5,000.
- A one-year window for filing claims.
- OnlyFans isn’t liable for your content if other users share it, on OnlyFans or elsewhere. The new terms simply spell this out more clearly in section 13.i.
For a closer look at platform fees, read our guide on how much OnlyFans takes from tips.
What to Do Before You Accept the New OnlyFans Terms
Before accepting the updated terms, there are several steps you can take to understand the changes and ensure your account and content comply with the new requirements.
- Read the October 1 email and the full terms carefully.
- Save copies of both the old and new versions to reference.
- Check your inbox regularly so you can answer information requests quickly.
- Get written confirmation from your CRM or chat tool provider.
- Audit your AI-edited content and add labels.
- Update affiliate captions.
- Check that your bank account details match your ID.
- Review your agency agreement.
Stay Ahead of the Next OnlyFans Update
This new OnlyFans update gives creators greater clarity over platform rules while placing more responsibility on them to ensure their content and business practices remain compliant. Staying informed and reviewing your current setup can help you adapt to these changes and prepare for future updates.
If you need help reviewing your current setup to ensure you’re following the rules, contact our team of experts. For legal advice about how the updated terms affect you, we recommend consulting a qualified attorney.
FAQs
On November 1, 2026. Creators were emailed about the new terms on October 1.
Yes. If you don’t agree, the alternative is closing your account.
The terms don’t name specific tools, but they ban tools designed to collect data or get around access controls. Ask your OnlyFans agency if you’re unsure.
Yes. Content that is generated or edited by AI must clearly feature the verified creator and be labeled, for example, with #ai.
It can suspend your account if it believes you have or may have breached the terms. You still get a statement of reasons and six months to dispute the decision in writing.
Yes. The terms acknowledge third-party help, but the creator stays responsible for the account.