Starting November 1, OnlyFans can freeze your earnings if they think something you did could hurt OnlyFans' reputation. That's one of two new suspension triggers in the updated terms. This is part 2 of my TOS breakdown, and it's all about your account and your money. The new suspension triggers... Section 14.b lists when OF can suspend your account and hold your earnings without notice while they review. Two new reasons were added. The first is any action OF thinks "has caused or is reasonably likely to cause" a loss to OnlyFans or its users, or harm to the reputation of OnlyFans or any user. The second is not promptly giving OF information they ask for. That second one is going to be hard for a lot of us. Basically if OF emails you asking for documents, answer fast. Idk about you but I'm allergic to checking my emails so this is about to get annoying. Also disputes now need to be in writing... If OF suspends you, deletes content or forfeits earnings, you still have six months to dispute it. The new terms add that the dispute has to be "in writing" (14.d). Keep copies of everything you send. One notice promise is gone. The 2024 terms said that when OF suspends or deletes content or accounts, "we will try to notify you." That line was removed. OF still promises a statement of reasons after a review decision (14.c). Now the money... Payouts that need a currency conversion now "include currency conversion fees to cover processing costs and exchange rates" (10.e). The 2024 version only warned that your own bank might charge you. If you're paid outside USD, compare your next few payouts after November 1. OF can now add "any Tax, fee or other amount" to a fan's payment without further notice to comply with the law or payment network rules (9.f). That means fans could see a higher total at checkout than our listed price. OF can now send your earnings to a third party entitled to them by law or court order (14.e). It can also check that your bank details match your ID verification (10.a). One change that helps us... If a fan's card declines, OF can now retry it multiple times before the renewal fails (9.i). That should mean fewer subscriptions lost to one declined payment. Obviously this is my read of the new terms, and (again!) I'm not a lawyer. Read them yourself and tell me if you see it differently. Part three will be tomorrow and it's the last one about what to do before you click accept, plus the change that works in your favor.