Terms of use.

01Terms that apply

These Terms of Use are the main agreement between you and onlinelad for use of the website. Some products, benefits and activities have additional terms. Those additional terms form part of your agreement where they apply.

A product page, checkout notice, licence supplied with a download, promotion-specific notice, quotation or written project agreement may add more specific terms. If two documents conflict, the more specific term applies to that product or activity. This never reduces any mandatory legal right.

02Eligibility and accounts

You may browse public pages without an account. You must be at least 18 years old and legally able to enter into a contract to create an account, place an order or start a subscription.

You must provide accurate, current information and keep it updated. Keep your password and account access secure. You are responsible for activity carried out through your account unless it results from something onlinelad has done or failed to do.

• Accounts, memberships, licences, reward cards and points are personal to the registered holder unless a written business or organisational agreement says otherwise.
• You must not share login details or allow another person to use member-only access.
• Tell us promptly if you believe your account or payment method has been used without permission.

03What onlinelad provides

onlinelad provides a mixture of public editorial content and paid digital products, access and services. These may include:

• Digital Persona images, single images, high-resolution visual packs, transparent-background files, headshots and collectible editions;
• guides, eBooks, workbooks, journals, prompt collections and other downloadable resources;
• public galleries, articles, news, quotes, blog content and curated recommendations;
• Supporter, Collector and Studio subscriptions, member-only content, gallery features, member pricing, release information and account tools;
• onlinelad Rewards, limited promotions, referral benefits, discounts and payment-method offers; and
• Persona Pack extensions, bespoke production, higher-volume licensing and Enterprise Access.

The exact contents, format, dimensions, file type, licence, price, availability and delivery method are those shown on the relevant product page, checkout, plan page or written quotation when you order. Examples and previews are illustrative unless identified as the files being sold.

04Orders, prices and payment

Before placing an order, check the product, licence, billing period, price and any recurring payment details shown at checkout. You can correct errors before submitting payment.

An on-screen or automated acknowledgement confirms that we have received your order. Acceptance takes place when we confirm the order and make the product or access available. We may refuse or cancel an order before acceptance if a product is unavailable, information is materially wrong, a price or description contains an obvious error, payment is not authorised, or fraud or misuse is reasonably suspected. If payment has already been taken for an order we do not accept, it will be returned.

• Prices are displayed in the currency shown on the site, normally US dollars, and any applicable tax is shown at or before checkout.
• Your bank, card issuer or payment provider may apply conversion charges or use its own exchange rate.
• Discounts, member pricing, reward redemptions and promotions are applied only where their conditions are met.
• Payment methods may include cards, Stripe, PayPal, Google Pay and Apple Pay, depending on device, territory and checkout availability.

We do not store complete payment-card details. Payment providers process transactions under their own terms and privacy notices.

05Digital delivery, cancellation and refunds

Most products are digital and are supplied electronically. A download may appear on screen, in your account, by email or through another delivery method described before purchase. Membership access normally begins when payment is confirmed.

Starting digital supply immediately

If you buy digital content as a consumer, you normally have a 14-day right to cancel from the date of the contract. Where you ask us to begin supplying a download or other digital content during that period, we will ask for your express consent and acknowledgement that your cancellation right will be lost once supply begins. If that consent and acknowledgement are not obtained, your rights are not reduced by these terms.

For a membership or service that starts during a statutory cancellation period at your request, you may have to pay a proportionate amount for what was supplied before you cancelled. Digital files accessed or downloaded as part of a membership may be treated separately under the rules for digital content.

Faults and statutory remedies

Digital content supplied to consumers must be of satisfactory quality, fit for any particular purpose made known and as described. If a file is faulty, incomplete, corrupt, materially different from its description or cannot be delivered because of a problem on our side, contact us so we can investigate and provide the remedy required by law.

Our Refunds Policy explains the ordinary process. It does not replace or restrict your statutory rights.

06Digital Image Licences and personas

Buying or downloading content gives you a licence to use it. It does not transfer copyright or ownership. The licence supplied with the product or stated at the point of purchase sets the permitted users, purposes, channels and any limits.

Different products may carry different rights, including a personal-use licence, the standard onlinelad Digital Image Licence for personal and commercial work, or an extended, exclusive, organisational or Enterprise licence. Do not assume that one purchase carries the same rights as another.

• You may use licensed files only within the scope of the licence attached to them.
• You must not resell, sublicense, share or redistribute source files, offer them as stock, or make them available in a way that allows another person to extract or reuse them.
• You must not claim ownership of an onlinelad file or use it unlawfully, deceptively, abusively, discriminatorily or to defame, harass or harm another person.
• A licence is registered to the purchasing email address or named business. Additional users, clients or organisations may require broader written rights.

If a Persona or pack later becomes subject to an exclusive arrangement, that does not retrospectively cancel a valid licence already granted to an earlier customer. Any promise of exclusivity is therefore subject to rights granted before the exclusive agreement unless the written agreement expressly says otherwise.

Fictional Digital Personas

Every onlinelad Digital Persona is fictional and is not based upon, intended to depict or created to represent any real individual. Similarities to a real person may occur by coincidence. A licence to use a Digital Persona does not give you the right to present the Persona as a real individual, impersonate somebody, make false endorsements, or ignore advertising, platform, labelling or disclosure rules that apply to your use.

If you believe a Persona bears a recognisable likeness to you, please contact us. We will consider reasonable review or removal requests.

07Memberships and recurring access

Supporter Access, Collector Access and Studio Access are recurring subscriptions available on monthly or annual billing. The current price, renewal frequency and included benefits are shown before you subscribe. Annual plans may be priced at ten times the monthly price where the two-month saving is offered.

By subscribing, you authorise the selected payment method to be charged at the frequency shown until you cancel. You can cancel or change a plan through the member account. Cancellation stops future renewal and access continues until the end of the period already paid for, unless law or a written offer requires a different outcome.

Depending on the plan, benefits may include member-only images or content, gallery access, monthly pack or rewards credit, reduced shop pricing, release-calendar access, individual-image purchasing, pack extensions and priority handling. Benefits are personal, non-transferable and available only while the membership status and payment account remain in good standing.

You keep files properly downloaded before membership ends and may continue using them under the licence supplied with those files. Access-only benefits, future credit, member pricing and restricted areas end when the paid period ends. The treatment of unused entitlements, points or rewards credit is governed by the Membership Terms and Rewards Terms.

08onlinelad Rewards and promotions

Eligible accounts may receive a personal rewards card and earn points from qualifying purchases, subscription payments, membership credit, referrals or promotions. Current earning rates, point value, redemption method, exclusions, expiry or balance-holding rules are set out in the Rewards Terms and any offer displayed when the transaction is made.

• Points and promotional credit have no cash value, cannot be withdrawn and are not transferable unless an offer expressly says otherwise.
• Points may not be usable for subscriptions, Persona Pack extensions or other excluded items.
• Points earned on a refunded, reversed, fraudulent or cancelled transaction may be removed. Points used on a fully reversed transaction may be restored.
• A payment-method bonus, release offer, welcome award, referral benefit, annual-plan saving or other promotion applies only while its stated conditions are met.

Current promotions, including any enhanced rate for paying by PayPal, are temporary unless expressly described as permanent. See the Promotions page, Promotion Terms and Rewards Terms for the controlling details.

09Pack extensions, bespoke work and Enterprise Access

Eligible members may request paid Persona Pack extensions, and agencies, publishers or brands may request bespoke creation, volume licensing or Enterprise Access. A request is not accepted until scope, price, licence, payment and delivery are confirmed.

All requests are subject to availability, technical feasibility and approval. We may decline prohibited, unlawful, explicit, harmful or real-person likeness requests. Any estimate is an estimate unless a fixed deadline is agreed in writing.

A quotation or project agreement may define the brief, included revisions, correction process, production timetable, licence and fees. Where it conflicts with these general terms, that written agreement controls the commissioned work.

10Editorial content, guides and affiliate links

Articles, quotes, news, guides, workbooks, prompts, examples, calculators and commentary are provided for general information, education and inspiration. They are not legal, financial, medical, relationship, mental-health or other regulated professional advice. You remain responsible for decisions, campaigns, messages and business activity based on them.

We aim for useful, accurate content but do not promise a particular commercial, personal, platform or audience result. Income figures, reward calculations, worked examples and case studies are illustrative unless expressly stated otherwise.

Some pages may contain affiliate links. If you follow one and make a purchase, onlinelad may receive a commission at no extra cost to you. Third-party products remain the responsibility of their supplier.

11Acceptable use

You must use the site lawfully and with respect for other people, the service and its security. You must not:

• circumvent access controls, watermarks, download limits, payment checks or membership restrictions;
• scrape, harvest, mirror or systematically download the site or its content using automated means without written permission;
• upload malware, interfere with the site, test vulnerabilities without authorisation, or place an unreasonable load on its systems;
• use multiple or false accounts to manipulate prices, rewards, referrals, promotions or availability;
• share paid or member-only material, login details, reward-card details or download links with unauthorised people;
• use content in a way that infringes intellectual property, privacy, publicity or other legal rights; or
• threaten, harass, intimidate, defame or abuse onlinelad, its representatives, contractors, customers or other users.

We may preserve relevant records, restrict communication, refuse service or report conduct to a platform or lawful authority where reasonably necessary.

12Requests, reviews and other submissions

If you send a Persona brief, image reference, suggestion, quote, review, feedback or other material, you confirm that you are entitled to send it and that our requested use of it will not infringe another person's rights or disclose information unlawfully.

Do not send confidential material unless we have agreed in writing to receive it in confidence. We will not treat an ordinary support message, private project brief or personal information as permission to publish it. Where you knowingly submit material for publication or promotional use, you grant us a non-exclusive, worldwide, royalty-free licence to host, reproduce and display it for that stated purpose. You keep ownership of your original material.

Personal data included in submissions is handled under the Privacy Policy.

13Intellectual property

The site and its content, including Digital Personas, images, downloads, writing, product names, branding, graphics, layouts, software and databases, are owned by or licensed to onlinelad and are protected by intellectual property law.

You may use the public site for ordinary personal browsing and use purchased content under its applicable licence. No other right is granted. onlinelad reserves all rights not expressly granted in writing.

14Third-party services and links

The site works with third parties for payments, hosting, email, analytics, translation, social platforms, embedded media and other functions. It may also link to third-party sites, products or services.

We are responsible for choosing and using our service providers with reasonable care, but we do not control third-party sites or guarantee that every external service will remain available. Their own terms and privacy notices apply when you use them. Nothing in this section removes any responsibility that the law places on onlinelad for supplying your order.

15Availability, corrections and changes

We may maintain, secure, improve or change the site and may add, update, retire or remove public content, products, features or benefits. We do not promise uninterrupted access or permanent availability of every page, Persona, pack or member feature.

Changes will not remove a licence already granted for a file you validly purchased or downloaded. If we make a material adverse change to a paid service during a committed period, your legal rights and any remedy stated in the relevant membership or project terms remain available.

We may correct obvious errors in descriptions, prices, calculations and availability. A live product page or checkout normally takes priority over an older promotional example, but we will honour rights that arose from information forming part of an accepted consumer contract.

16Suspension and termination

We may suspend an account, order, reward balance, download, membership or access where payment fails, fraud or security risk is suspected, the law requires it, or these terms are materially breached. Where appropriate, we will explain the reason and allow a reasonable opportunity to put matters right.

Serious or repeated misuse, unlawful conduct, deliberate circumvention, unauthorised redistribution or abusive and threatening behaviour may lead to immediate termination and refusal of future service. Termination does not erase rights or obligations that arose before it. Valid licences for fully paid files normally continue unless the licence itself permits termination for breach.

17Responsibility and liability

Nothing in these terms excludes or limits liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any statutory consumer right that cannot be excluded.

If you are a consumer

We are responsible for losses that are a foreseeable result of our breach of these terms or failure to use reasonable care and skill. We are not responsible for losses that were not foreseeable, caused by information or instructions you supplied, or caused by events outside our reasonable control. If you contract with us as a consumer, we are not responsible under the consumer provisions for losses arising from trade or business activity.

If you are a business user

To the maximum extent permitted by law, onlinelad is not liable for loss of profit, revenue, business, contracts, opportunity, anticipated savings, goodwill, reputation or data, or for indirect or consequential loss. Subject to the first paragraph of this section, our total liability connected with a product or service will not exceed the total amount paid to onlinelad for that product or service in the 12 months before the event giving rise to the claim.

Business users are responsible for their own campaign claims, client approvals, legal and platform compliance, and use of licensed content. You will be responsible for reasonably foreseeable claims and costs caused by your unlawful use, redistribution outside the licence, or breach of another person's rights.

18General terms, law and contact

Events outside reasonable control

Neither party is responsible for delay or failure caused by an event outside its reasonable control. This does not affect payment already due or a consumer's statutory rights where digital content or a service is not supplied.

Changes to these terms

We may update these terms for legal, security, operational or service reasons. The current version will be published here with its effective date. Changes apply prospectively. Material changes affecting an active paid membership will be handled in accordance with the Membership Terms and applicable law.

Other general provisions

If part of these terms is found unenforceable, the remaining parts continue. A delay in enforcing a right is not a waiver of it. You may not transfer your account, subscription or licence unless its terms permit this. We may transfer our rights and obligations where your protections are not reduced.

Governing law and courts

These terms are governed by the law of England and Wales. If you are a consumer resident in Scotland or Northern Ireland, you may also bring proceedings in your local courts. Consumers outside the United Kingdom retain any mandatory protections that apply where they live. If you are a business user, the courts of England and Wales have exclusive jurisdiction.

Contact and complaints

Questions, complaints and notices can be sent through the onlinelad contact form. For an order or account query, include the purchasing email address and order number so we can locate it.