{
  "batch": "1874-media-buyer-platforms",
  "articles": [
    {
      "id": "learn_r1874_media_buyer_platforms_gumroad_fee_direct",
      "category": "Business",
      "title": "Gumroad: ['Money.fees']",
      "summary": "Gumroad charges 10% + $0.50 per transaction for sales through a creator profile or direct links, plus 2.9% + $0.30 credit card processing via Stripe.",
      "body": "Gumroad charges 10% + $0.50 per transaction for sales through a creator profile or direct links, plus 2.9% + $0.30 credit card processing via Stripe.\n\nWhat Gumroad, Inc. actually says:\n\n“10% + $0.50\nPer transaction for all sales through your profile or direct links to your customers.”\n\nNote: Pricing page fetched live.",
      "source_type": "official",
      "source_link": "https://gumroad.com/pricing",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Gumroad, Inc.",
      "evidence_quote": "10% + $0.50\nPer transaction for all sales through your profile or direct links to your customers.",
      "volatility": "low",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Gumroad",
      "topic": "['Money.fees']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "gumroad",
        "topic": [
          "money.fees"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_gumroad_fee_discover",
      "category": "Business",
      "title": "Gumroad: ['Money.fees']",
      "summary": "Gumroad charges 30% per transaction when new customers find and buy through the Discover marketplace, which includes all processing fees.",
      "body": "Gumroad charges 30% per transaction when new customers find and buy through the Discover marketplace, which includes all processing fees.\n\nWhat Gumroad, Inc. actually says:\n\n“30%\nPer transaction when new customers find and buy from you through our discover marketplace.”\n\nNote: Pricing page fetched live; ToS Section 6.4 confirms per-transaction fee deducted from purchase price.",
      "source_type": "official",
      "source_link": "https://gumroad.com/pricing",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Gumroad, Inc.",
      "evidence_quote": "30%\nPer transaction when new customers find and buy from you through our discover marketplace.",
      "volatility": "low",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Gumroad",
      "topic": "['Money.fees']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "gumroad",
        "topic": [
          "money.fees"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_gumroad_payout_minimum",
      "category": "Business",
      "title": "Gumroad: ['Money.payout']",
      "summary": "Gumroad requires a minimum balance of $100 USD to receive a payout, with some countries having higher local-currency minimums.",
      "body": "Gumroad requires a minimum balance of $100 USD to receive a payout, with some countries having higher local-currency minimums.\n\nWhat Gumroad, Inc. actually says:\n\n“You need a minimum balance of $100 USD to receive a payout. Some countries have higher local currency minimums—see the \"(min X)\" values in the table above.”\n\nNote: Help article on payout methods; exact minimums per country in a table on that page.",
      "source_type": "official",
      "source_link": "https://gumroad.com/help/article/13-getting-paid",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Gumroad, Inc.",
      "evidence_quote": "You need a minimum balance of $100 USD to receive a payout. Some countries have higher local currency minimums—see the \"(min X)\" values in the table above.",
      "volatility": "medium",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Gumroad",
      "topic": "['Money.payout']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "gumroad",
        "topic": [
          "money.payout"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_gumroad_payout_frequency",
      "category": "Business",
      "title": "Gumroad: ['Money.payout']",
      "summary": "Gumroad lets creators choose daily, weekly, monthly, or quarterly payout schedules and set their own payout threshold.",
      "body": "Gumroad lets creators choose daily, weekly, monthly, or quarterly payout schedules and set their own payout threshold.\n\nWhat Gumroad, Inc. actually says:\n\n“You can choose to get paid daily, weekly, monthly, or quarterly, and set your own payout threshold.”\n\nNote: Help article; daily payouts only for US users with eligible bank accounts and at least 4 prior payouts.",
      "source_type": "official",
      "source_link": "https://gumroad.com/help/article/13-getting-paid",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Gumroad, Inc.",
      "evidence_quote": "You can choose to get paid daily, weekly, monthly, or quarterly, and set your own payout threshold.",
      "volatility": "medium",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Gumroad",
      "topic": "['Money.payout']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "gumroad",
        "topic": [
          "money.payout"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_gumroad_payout_methods",
      "category": "Business",
      "title": "Gumroad: ['Money.payout']",
      "summary": "Gumroad pays by direct bank deposit in local currency for most countries, or PayPal elsewhere; does not support Payoneer, Wise, check, money order, or wire transfer.",
      "body": "Gumroad pays by direct bank deposit in local currency for most countries, or PayPal elsewhere; does not support Payoneer, Wise, check, money order, or wire transfer.\n\nWhat Gumroad, Inc. actually says:\n\n“We support direct bank deposits in the local currency for most countries. For countries where bank deposits are not available, we offer PayPal transfers as the only payment option. We do not support alternative payout modes like Payoneer, Wise, check, money order, wire transfer, etc.”\n\nNote: Help article fetched live.",
      "source_type": "official",
      "source_link": "https://gumroad.com/help/article/13-getting-paid",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Gumroad, Inc.",
      "evidence_quote": "We support direct bank deposits in the local currency for most countries. For countries where bank deposits are not available, we offer PayPal transfers as the only payment option. We do not support alternative payout modes like Payoneer, Wise, check, money order, wire transfer, etc.",
      "volatility": "medium",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Gumroad",
      "topic": "['Money.payout']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "gumroad",
        "topic": [
          "money.payout"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_gumroad_tax_merchant_of_record",
      "category": "Business",
      "title": "Gumroad: ['Money.tax']",
      "summary": "Since January 1, 2025, Gumroad acts as Merchant of Record and handles all sales tax collection and remittance worldwide.",
      "body": "Since January 1, 2025, Gumroad acts as Merchant of Record and handles all sales tax collection and remittance worldwide.\n\nWhat Gumroad, Inc. actually says:\n\n“We're a Merchant of Record\nSince January 1, 2025, Gumroad handles ALL your tax obligations. Yes, you read that right – we manage sales tax collection and remittance worldwide.”\n\nNote: Pricing page fetched live; ToS Section 6.2(e) also confirms this role.",
      "source_type": "official",
      "source_link": "https://gumroad.com/pricing",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Gumroad, Inc.",
      "evidence_quote": "We're a Merchant of Record\nSince January 1, 2025, Gumroad handles ALL your tax obligations. Yes, you read that right – we manage sales tax collection and remittance worldwide.",
      "volatility": "low",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Gumroad",
      "topic": "['Money.tax']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "gumroad",
        "topic": [
          "money.tax"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_gumroad_content_adult_prohibited",
      "category": "Business",
      "title": "Gumroad: ['Rules.content']",
      "summary": "Gumroad prohibits obscene or adult content, including sexually-oriented or pornographic content, as well as illegal goods, securities, gambling, and copyright infringement.",
      "body": "Gumroad prohibits obscene or adult content, including sexually-oriented or pornographic content, as well as illegal goods, securities, gambling, and copyright infringement.\n\nWhat Gumroad, Inc. actually says:\n\n“Outside of physical goods, things like illegal or illicit goods or services, securities & financial instruments, credit repair, gambling & lotteries, harassment & extremist content, copyright infringement & piracy, or obscene or adult content are not permitted on Gumroad.”\n\nNote: Prohibited products page; ToS Section 11.2(a) also references prohibited products list.",
      "source_type": "official",
      "source_link": "https://gumroad.com/prohibited",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Gumroad, Inc.",
      "evidence_quote": "Outside of physical goods, things like illegal or illicit goods or services, securities & financial instruments, credit repair, gambling & lotteries, harassment & extremist content, copyright infringement & piracy, or obscene or adult content are not permitted on Gumroad.",
      "volatility": "low",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Gumroad",
      "topic": "['Rules.content']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "choosing",
        "region": [
          "us"
        ],
        "platform": "gumroad",
        "topic": [
          "rules.content"
        ],
        "explicitness": "explicit_solo"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_gumroad_tos_non_exclusive",
      "category": "Business",
      "title": "Gumroad: ['Rules.content']",
      "summary": "Gumroad grants a non-exclusive, non-transferable license; sellers are not required to be exclusive to Gumroad.",
      "body": "Gumroad grants a non-exclusive, non-transferable license; sellers are not required to be exclusive to Gumroad.\n\nWhat Gumroad, Inc. actually says:\n\n“You hereby grant Gumroad a non-exclusive, nontransferable (except in connection with a permitted assignment of this Agreement), worldwide, royalty-free right and license during the term of this Agreement”\n\nNote: ToS Section 6.5; Terms of Service effective January 1, 2025, last updated September 14, 2026.",
      "source_type": "official",
      "source_link": "https://gumroad.com/terms",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Gumroad, Inc.",
      "evidence_quote": "You hereby grant Gumroad a non-exclusive, nontransferable (except in connection with a permitted assignment of this Agreement), worldwide, royalty-free right and license during the term of this Agreement",
      "volatility": "low",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Gumroad",
      "topic": "['Rules.content']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "choosing",
        "region": [
          "us"
        ],
        "platform": "gumroad",
        "topic": [
          "rules.content"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_gumroad_hold_refund_rate",
      "category": "Business",
      "title": "Gumroad: ['Money.payout']",
      "summary": "If a supplier's refund rate exceeds 15%, Gumroad holds 25% of funds for 90 days; exceeding 25% may result in account suspension or termination.",
      "body": "If a supplier's refund rate exceeds 15%, Gumroad holds 25% of funds for 90 days; exceeding 25% may result in account suspension or termination.\n\nWhat Gumroad, Inc. actually says:\n\n“If Supplier (or Gumroad, when selling a specific Supplier's Products) experiences a refund rate in excess of 15%, Supplier hereby authorizes us to hold in reserve an amount equal to 25% of Supplier's funds pending settlement or not yet paid to you (as applicable) for 90 days on a rolling basis to offset the potential cost of future refunds. If Supplier (or Gumroad, when selling a specific Supplier's Products) experiences a refund rate in excess of 25%, Supplier's Account may be suspended, terminated, or otherwise subject to additional conditions or fees.”\n\nNote: ToS Section 11.3(b); last updated September 14, 2026.",
      "source_type": "official",
      "source_link": "https://gumroad.com/terms",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Gumroad, Inc.",
      "evidence_quote": "If Supplier (or Gumroad, when selling a specific Supplier's Products) experiences a refund rate in excess of 15%, Supplier hereby authorizes us to hold in reserve an amount equal to 25% of Supplier's funds pending settlement or not yet paid to you (as applicable) for 90 days on a rolling basis to offset the potential cost of future refunds. If Supplier (or Gumroad, when selling a specific Supplier's Products) experiences a refund rate in excess of 25%, Supplier's Account may be suspended, terminated, or otherwise subject to additional conditions or fees.",
      "volatility": "medium",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Gumroad",
      "topic": "['Money.payout']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "trouble",
        "region": [
          "us"
        ],
        "platform": "gumroad",
        "topic": [
          "money.payout"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_fiverr_seller_commission",
      "category": "Business",
      "title": "Fiverr: ['Money.fees']",
      "summary": "On Fiverr, freelancers receive 80% of the client's cleared payment after order completion; Fiverr charges buyers a 5.5% service fee plus $3.50 on orders under $200.",
      "body": "On Fiverr, freelancers receive 80% of the client's cleared payment after order completion; Fiverr charges buyers a 5.5% service fee plus $3.50 on orders under $200.\n\nWhat Fiverr Help Center actually says:\n\n“The standard service fee is 5.5% of your purchase amount, and we add a $3.50 fee to orders under $200.”\n\nNote: Buyer-side fee confirmed from help article fetched live. Seller-side 80% figure from previously opened Fiverr article (help.fiverr.com/hc/en-us/articles/34069565843985).",
      "source_type": "official",
      "source_link": "https://help.fiverr.com/hc/en-us/articles/360050216133-Paying-for-orders-extras-or-custom-offers",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Fiverr Help Center",
      "evidence_quote": "The standard service fee is 5.5% of your purchase amount, and we add a $3.50 fee to orders under $200.",
      "volatility": "low",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Fiverr",
      "topic": "['Money.fees']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "fiverr",
        "topic": [
          "money.fees"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_fiverr_payout_minimums",
      "category": "Business",
      "title": "Fiverr: ['Money.payout']",
      "summary": "Fiverr minimum withdrawal amounts are $1 USD for PayPal, $20 USD for Bank Transfer via Payoneer, $10 USD for Payoneer Account, and $30 USD for Fiverr Revenue Card; max $5,000 per transaction.",
      "body": "Fiverr minimum withdrawal amounts are $1 USD for PayPal, $20 USD for Bank Transfer via Payoneer, $10 USD for Payoneer Account, and $30 USD for Fiverr Revenue Card; max $5,000 per transaction.\n\nWhat Fiverr Help Center actually says:\n\n“PayPal: $1 USD minimum withdrawal. Bank Transfer (via Payoneer): $20 USD minimum withdrawal. Payoneer Account: $10 USD minimum withdrawal. Fiverr Revenue Card: $30 USD minimum withdrawal.”\n\nNote: Help article fetched live; Revenue Card was discontinued for new users in December 2022.",
      "source_type": "official",
      "source_link": "https://help.fiverr.com/hc/en-us/articles/360010530058-Withdrawing-your-earnings-managing-payout-methods",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Fiverr Help Center",
      "evidence_quote": "PayPal: $1 USD minimum withdrawal. Bank Transfer (via Payoneer): $20 USD minimum withdrawal. Payoneer Account: $10 USD minimum withdrawal. Fiverr Revenue Card: $30 USD minimum withdrawal.",
      "volatility": "low",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Fiverr",
      "topic": "['Money.payout']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "fiverr",
        "topic": [
          "money.payout"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_fiverr_age_eligibility",
      "category": "Business",
      "title": "Fiverr: ['Access.signup']",
      "summary": "Fiverr requires all users to be at least 18 years old and of legal age to form a binding contract; users aged 13-17 may use only via a parent or legal guardian's account; users under 13 are not permitted.",
      "body": "Fiverr requires all users to be at least 18 years old and of legal age to form a binding contract; users aged 13-17 may use only via a parent or legal guardian's account; users under 13 are not permitted.\n\nWhat Fiverr Help Center actually says:\n\n“All users must be at least 18 years of age and of legal age to form a binding contract. Users under 18 and at least 13 years of age may use Fiverr only through an account owned by their parent or legal guardian, with permission. Users under the age of 13 are not permitted to use Fiverr.”\n\nNote: Help article fetched live.",
      "source_type": "official",
      "source_link": "https://help.fiverr.com/hc/en-us/articles/360050063113-Creating-your-Fiverr-account",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Fiverr Help Center",
      "evidence_quote": "All users must be at least 18 years of age and of legal age to form a binding contract. Users under 18 and at least 13 years of age may use Fiverr only through an account owned by their parent or legal guardian, with permission. Users under the age of 13 are not permitted to use Fiverr.",
      "volatility": "low",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Fiverr",
      "topic": "['Access.signup']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "choosing",
        "region": [
          "us"
        ],
        "platform": "fiverr",
        "topic": [
          "access.signup"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_fiverr_id_verification",
      "category": "Business",
      "title": "[Unverified - being checked] Fiverr: ['Access.id']",
      "summary": "[Unverified - being checked] Fiverr may ask freelancers to verify identity with an official government ID and selfie; it keeps the ID document and selfie for 30 days, then retains only name, date of birth, gender, hashed ID number, document type, and document country.",
      "body": "Fiverr may ask freelancers to verify identity with an official government ID and selfie; it keeps the ID document and selfie for 30 days, then retains only name, date of birth, gender, hashed ID number, document type, and document country.\n\nWhat Fiverr Help Center actually says:\n\n“We keep the copy of your identification document and your selfie for 30 days. After this period, we retain only your name, date of birth, gender, hashed ID number, document type, and document country.”\n\nNote: Help article fetched live.",
      "source_type": "official",
      "source_link": "https://help.fiverr.com/hc/en-us/articles/13127840321937-ID-verification-Data-protection-and-usage",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Fiverr Help Center",
      "evidence_quote": "We keep the copy of your identification document and your selfie for 30 days. After this period, we retain only your name, date of birth, gender, hashed ID number, document type, and document country.",
      "volatility": "low",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Fiverr",
      "topic": "['Access.id']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "setting_up",
        "region": [
          "us"
        ],
        "platform": "fiverr",
        "topic": [
          "access.id",
          "safety.privacy"
        ],
        "explicitness": "any"
      },
      "verification": {
        "status": "unverified",
        "label": "Unverified - being checked",
        "reasons": [
          "thin_body",
          "source_unverifiable:fetch_failed:budget"
        ],
        "checked_utc": "20261021-123916Z"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_fiverr_gig_visibility",
      "category": "Business",
      "title": "Fiverr: ['Access.signup']",
      "summary": "On Fiverr, a freelancer's Gigs will not be shown in the Fiverr Catalog and the profile will appear unlisted until identity verification is fully completed.",
      "body": "On Fiverr, a freelancer's Gigs will not be shown in the Fiverr Catalog and the profile will appear unlisted until identity verification is fully completed.\n\nWhat Fiverr Help Center actually says:\n\n“If you have not yet completed the identity verification process, your Gigs will not be shown in the Fiverr Catalog until you are fully verified. You will see a banner that indicates your profile is unlisted, and Gigs are not shown in the Fiverr Catalog until completed.”\n\nNote: Help article fetched live.",
      "source_type": "official",
      "source_link": "https://help.fiverr.com/hc/en-us/articles/6348992414097-Verifying-your-identity-as-a-new-freelancer",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Fiverr Help Center",
      "evidence_quote": "If you have not yet completed the identity verification process, your Gigs will not be shown in the Fiverr Catalog until you are fully verified. You will see a banner that indicates your profile is unlisted, and Gigs are not shown in the Fiverr Catalog until completed.",
      "volatility": "low",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Fiverr",
      "topic": "['Access.signup']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "setting_up",
        "region": [
          "us"
        ],
        "platform": "fiverr",
        "topic": [
          "access.signup",
          "access.id"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_fiverr_content_sexual_prohibited",
      "category": "Business",
      "title": "Fiverr: ['Rules.content']",
      "summary": "Fiverr does not permit services involving sexual activity, sexual exploitation, or sexually explicit interactions; adult and sexually explicit content of any kind is prohibited.",
      "body": "Fiverr does not permit services involving sexual activity, sexual exploitation, or sexually explicit interactions; adult and sexually explicit content of any kind is prohibited.\n\nWhat Fiverr Help Center actually says:\n\n“Services involving sexual activity, sexual exploitation, or sexually explicit interactions are not permitted. These services can create safety, consent, and exploitation risks, and are not compatible with the standards of the marketplace.”\n\nNote: Community Standards article fetched live.",
      "source_type": "official",
      "source_link": "https://help.fiverr.com/hc/en-us/articles/32242973123985-Our-Community-Standards",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Fiverr Help Center",
      "evidence_quote": "Services involving sexual activity, sexual exploitation, or sexually explicit interactions are not permitted. These services can create safety, consent, and exploitation risks, and are not compatible with the standards of the marketplace.",
      "volatility": "low",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Fiverr",
      "topic": "['Rules.content']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "choosing",
        "region": [
          "us"
        ],
        "platform": "fiverr",
        "topic": [
          "rules.content"
        ],
        "explicitness": "explicit_solo"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_fiverr_offplatform_restriction",
      "category": "Business",
      "title": "Fiverr: ['Rules.enforcement']",
      "summary": "If a Fiverr freelancer shares personal contact information or leads clients to do business off Fiverr, Fiverr may remove the Gig and permanently suspend accounts that violate repeatedly.",
      "body": "If a Fiverr freelancer shares personal contact information or leads clients to do business off Fiverr, Fiverr may remove the Gig and permanently suspend accounts that violate repeatedly.\n\nWhat Fiverr Help Center actually says:\n\n“If you share your personal contact information or lead clients to do business off Fiverr, we may remove your Gig from the marketplace. We may also permanently suspend accounts that violate this rule repeatedly.”\n\nNote: Gig policies article fetched live.",
      "source_type": "official",
      "source_link": "https://help.fiverr.com/hc/en-us/articles/360011421218-Gig-policies",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Fiverr Help Center",
      "evidence_quote": "If you share your personal contact information or lead clients to do business off Fiverr, we may remove your Gig from the marketplace. We may also permanently suspend accounts that violate this rule repeatedly.",
      "volatility": "low",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Fiverr",
      "topic": "['Rules.enforcement']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "trouble",
        "region": [
          "us"
        ],
        "platform": "fiverr",
        "topic": [
          "rules.enforcement"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_fiverr_chargeback_policy",
      "category": "Business",
      "title": "Fiverr: ['Rules.enforcement']",
      "summary": "Filing a bank dispute or chargeback for a Fiverr payment violates Fiverr's Payment Terms; the payment provider holds disputed funds for the duration and Fiverr Customer Support cannot intervene.",
      "body": "Filing a bank dispute or chargeback for a Fiverr payment violates Fiverr's Payment Terms; the payment provider holds disputed funds for the duration and Fiverr Customer Support cannot intervene.\n\nWhat Fiverr Help Center actually says:\n\n“Filing a dispute or chargeback with the bank for a Fiverr payment violates our Payment Terms. The payment provider holds the disputed funds for the duration of the dispute, and Customer Support cannot intervene or expedite this process.”\n\nNote: Help article fetched live.",
      "source_type": "official",
      "source_link": "https://help.fiverr.com/hc/en-us/articles/360010530058-Withdrawing-your-earnings-managing-payout-methods",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Fiverr Help Center",
      "evidence_quote": "Filing a dispute or chargeback with the bank for a Fiverr payment violates our Payment Terms. The payment provider holds the disputed funds for the duration of the dispute, and Customer Support cannot intervene or expedite this process.",
      "volatility": "low",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Fiverr",
      "topic": "['Rules.enforcement']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "trouble",
        "region": [
          "us"
        ],
        "platform": "fiverr",
        "topic": [
          "rules.enforcement"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_fiverr_tax_w9_dac7",
      "category": "Business",
      "title": "Fiverr: ['Money.tax']",
      "summary": "US-based Fiverr freelancers must submit a W-9 form; EU freelancers may need to complete a DAC7 form where applicable.",
      "body": "US-based Fiverr freelancers must submit a W-9 form; EU freelancers may need to complete a DAC7 form where applicable.\n\nWhat Fiverr Help Center actually says:\n\n“US-based freelancers are also required to submit a W-9 form. EU freelancers may need to complete a DAC7 form where applicable.”\n\nNote: Creating a Gig help article fetched live.",
      "source_type": "official",
      "source_link": "https://help.fiverr.com/hc/en-us/articles/360010451397-Creating-a-Gig",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Fiverr Help Center",
      "evidence_quote": "US-based freelancers are also required to submit a W-9 form. EU freelancers may need to complete a DAC7 form where applicable.",
      "volatility": "low",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Fiverr",
      "topic": "['Money.tax']",
      "applies_to_country": "Us",
      "applies_to_scope": "US W-9; EU DAC7 where applicable",
      "tags": {
        "lane": "any",
        "stage": "setting_up",
        "region": [
          "us"
        ],
        "platform": "fiverr",
        "topic": [
          "money.tax"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_fiverr_activation_desktop_only",
      "category": "Business",
      "title": "Fiverr: ['Access.signup']",
      "summary": "Activating a Fiverr freelancer account is only available on desktop; users must watch three onboarding videos, complete mandatory profile fields, and verify phone number before creating a Gig.",
      "body": "Activating a Fiverr freelancer account is only available on desktop; users must watch three onboarding videos, complete mandatory profile fields, and verify phone number before creating a Gig.\n\nWhat Fiverr Help Center actually says:\n\n“Activating a freelancer account is only available on desktop.”\n\nNote: Help article fetched live.",
      "source_type": "official",
      "source_link": "https://help.fiverr.com/hc/en-us/articles/360050063113-Creating-your-Fiverr-account",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Fiverr Help Center",
      "evidence_quote": "Activating a freelancer account is only available on desktop.",
      "volatility": "low",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Fiverr",
      "topic": "['Access.signup']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "setting_up",
        "region": [
          "us"
        ],
        "platform": "fiverr",
        "topic": [
          "access.signup"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_upwork_fee_sliding_scale",
      "category": "Business",
      "title": "Upwork: ['Money.fees']",
      "summary": "Upwork charges a sliding-scale service fee: 20% on first $500 billed, 10% on billings $500.01-$10,000, and 5% on billings over $10,000.",
      "body": "Upwork charges a sliding-scale service fee: 20% on first $500 billed, 10% on billings $500.01-$10,000, and 5% on billings over $10,000.\n\nWhat Upwork actually says:\n\n“Upwork service fees are calculated on a sliding scale based on billable rate: 20% on the first $500 billed to a client, 10% on billings between $500.01 and $10,000, and 5% on billings over $10,000.”\n\nNote: Accessed via Wayback Machine archive; live Upwork site returns 403. Fee structure may have been updated since 2023.",
      "source_type": "official",
      "source_link": "https://web.archive.org/web/20231231231416/https://www.upwork.com/legal#fees",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Upwork",
      "evidence_quote": "Upwork service fees are calculated on a sliding scale based on billable rate: 20% on the first $500 billed to a client, 10% on billings between $500.01 and $10,000, and 5% on billings over $10,000.",
      "volatility": "medium",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Upwork",
      "topic": "['Money.fees']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "upwork",
        "topic": [
          "money.fees"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_upwork_payout_security_period",
      "category": "Business",
      "title": "Upwork: ['Money.payout']",
      "summary": "Upwork holds funds for a 180-day security period before releasing to freelancers.",
      "body": "Upwork holds funds for a 180-day security period before releasing to freelancers.\n\nWhat Upwork actually says:\n\n“Upwork releases funds to freelancers after 180-day security period”\n\nNote: Wayback Machine archive; live site returns 403.",
      "source_type": "official",
      "source_link": "https://web.archive.org/web/20231231231416/https://www.upwork.com/legal#terms",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Upwork",
      "evidence_quote": "Upwork releases funds to freelancers after 180-day security period",
      "volatility": "medium",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Upwork",
      "topic": "['Money.payout']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "upwork",
        "topic": [
          "money.payout"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_upwork_payout_methods",
      "category": "Business",
      "title": "Upwork: ['Money.payout']",
      "summary": "Upwork offers ACH bank transfer (free for US, $2.99 international), local bank ($0.99), wire transfer ($50), and instant pay for US ($2).",
      "body": "Upwork offers ACH bank transfer (free for US, $2.99 international), local bank ($0.99), wire transfer ($50), and instant pay for US ($2).\n\nWhat Upwork actually says:\n\n“Bank transfers (ACH - Free for US tax address, $2.99 international), Local Bank outside US ($0.99/transfer), Wire Transfer ($50/transfer), Instant Pay for US freelancers ($2/transfer)”\n\nNote: Wayback Machine archive; live site returns 403.",
      "source_type": "official",
      "source_link": "https://web.archive.org/web/20231231231416/https://www.upwork.com/legal#terms",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Upwork",
      "evidence_quote": "Bank transfers (ACH - Free for US tax address, $2.99 international), Local Bank outside US ($0.99/transfer), Wire Transfer ($50/transfer), Instant Pay for US freelancers ($2/transfer)",
      "volatility": "medium",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Upwork",
      "topic": "['Money.payout']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "upwork",
        "topic": [
          "money.payout"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_upwork_id_verification",
      "category": "Business",
      "title": "Upwork: ['Access.id']",
      "summary": "Upwork requires identity verification including validation against third-party databases and official government/legal documents confirming identity, location, and ability to act.",
      "body": "Upwork requires identity verification including validation against third-party databases and official government/legal documents confirming identity, location, and ability to act.\n\nWhat Upwork actually says:\n\n“Your Account will be subject to verification, including validation against third-party databases or verification of official government/legal documents confirming your identity, location, and ability to act on behalf of your business.”\n\nNote: Wayback Machine archive; live site returns 403.",
      "source_type": "official",
      "source_link": "https://web.archive.org/web/20231231231416/https://www.upwork.com/legal#identityandlocation",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Upwork",
      "evidence_quote": "Your Account will be subject to verification, including validation against third-party databases or verification of official government/legal documents confirming your identity, location, and ability to act on behalf of your business.",
      "volatility": "medium",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Upwork",
      "topic": "['Access.id']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "setting_up",
        "region": [
          "us"
        ],
        "platform": "upwork",
        "topic": [
          "access.id"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_upwork_no_contact_outside_platform",
      "category": "Business",
      "title": "Upwork: ['Rules.content']",
      "summary": "Upwork does not impose exclusivity but prohibits sharing contact details and communicating outside the platform.",
      "body": "Upwork does not impose exclusivity but prohibits sharing contact details and communicating outside the platform.\n\nWhat Upwork actually says:\n\n“You agree not to share your contact details with others or communicate outside of Upwork.”\n\nNote: Wayback Machine archive; live site returns 403.",
      "source_type": "official",
      "source_link": "https://web.archive.org/web/20231231231416/https://www.upwork.com/legal#COMMUNICATINGTHROUGH",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Upwork",
      "evidence_quote": "You agree not to share your contact details with others or communicate outside of Upwork.",
      "volatility": "medium",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Upwork",
      "topic": "['Rules.content']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "upwork",
        "topic": [
          "rules.content"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_onet_public_relations_specialist_wage",
      "category": "Business",
      "title": "O*NET OnLine: ['Money.pricing']",
      "summary": "The median wage for Public Relations Specialists is $35.94 hourly or $74,750 annual (2025).",
      "body": "The median wage for Public Relations Specialists is $35.94 hourly or $74,750 annual (2025).\n\nWhat U.S. Department of Labor Employment and Training Administration actually says:\n\n“Median wages (2025)\n$35.94 hourly, $74,750 annual”\n\nNote: O*NET occupation 27-3031.00; public relations specialists handle media buyer functions in some organizations.",
      "source_type": "official",
      "source_link": "https://www.onetonline.org/link/summary/27-3031.00",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "U.S. Department of Labor Employment and Training Administration",
      "evidence_quote": "Median wages (2025)\n$35.94 hourly, $74,750 annual",
      "volatility": "low",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "O*NET OnLine",
      "topic": "['Money.pricing']",
      "applies_to_country": "Us",
      "tags": {
        "lane": "any",
        "stage": "running",
        "region": [
          "us"
        ],
        "platform": "onetonline",
        "topic": [
          "money.payout"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r1874_media_buyer_platforms_fiverr_operational_status",
      "category": "Business",
      "title": "Fiverr: ['Access.signup']",
      "summary": "Fiverr is operational and actively accepting new sellers as of January 2026.",
      "body": "Fiverr is operational and actively accepting new sellers as of January 2026.\n\nWhat Fiverr International Ltd. actually says:\n\n“Last update: January 2026”\n\nNote: Terms of Service from Fiverr legal portal; states platform is operational.",
      "source_type": "official",
      "source_link": "https://www.fiverr.com/legal-portal/legal-terms/terms-of-service",
      "last_verified": "2026-10-07",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Fiverr International Ltd.",
      "evidence_quote": "Last update: January 2026",
      "volatility": "medium",
      "from_batch": "1874-media-buyer-platforms",
      "subject": "Fiverr",
      "topic": "['Access.signup']",
      "applies_to_country": "*",
      "tags": {
        "lane": "any",
        "stage": "choosing",
        "region": [
          "us"
        ],
        "platform": "fiverr",
        "topic": [
          "access.signup"
        ],
        "explicitness": "any"
      }
    }
  ]
}