Effective October 24, 2026. These are the terms every member agrees to before creating a profile. Our Privacy Policy explains what we do with your data.
Welcome to Collective Loft. These Terms & Conditions govern your access to and use of the Collective Loft platform, website, applications, services, collaboration systems, creator tools, community features, and subscription offerings (collectively, the "Platform"). Collective Loft is operated by Morgan Collective Group LLC, an Illinois limited liability company ("Collective Loft", "we", "us"); Collective Loft is a business name of that company. By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree, you may not use the Platform.
The short version. The full Terms control, but here is what matters most:
Effective Date: October 24, 2026 · collectiveloft.com · hello@collectiveloft.com · Morgan Collective Group LLC · Chicago, Illinois
Collective Loft is not a traditional freelance marketplace, portfolio site, job board, or social media feed. The Platform exists to facilitate creative collaboration through creator identity profiles, collaboration briefs, discipline matching, Loft Studios, and structured collaboration terms.
We are the venue, not a party. Every collaboration, agreement, payment and rights transfer on the Platform is between the members involved. We do not vet members, check their identities, verify their credentials or portfolios, confirm their ability to pay, or guarantee that they will deliver what they agreed. Profile completion, ratings and trust signals are information, not endorsements (Section 22). Use your own judgment about who you work with, as you would anywhere else, and take your own steps to protect your work, your money and your rights. We are not a legal representative, employer, talent agency, escrow service, payment guarantor, or contracting party to anything agreed between members, and we are not responsible if a member is not who they claim to be, does not pay, or does not deliver.
You must be at least 18 years old to use the Platform. Collective Loft is designed for working creative professionals. We do not permit use by individuals under 18 under any circumstances, including with parental consent. By creating an account, you represent and warrant that you are 18 years of age or older and have the full legal authority to enter into binding agreements. Your use of the Platform must comply with all applicable local, state, national, and international laws and regulations.
Your account is yours alone. Keep your password confidential, do not share your account, and do not transfer it to anyone. You are responsible for everything done through your account until you tell us it has been compromised, so tell us promptly at hello@collectiveloft.com if you believe someone else has used it. We may refuse, suspend or reclaim an account name that impersonates someone, infringes a right, or breaks these Terms.
Collective Loft has a free membership and a paid membership, and both are full memberships. A free member has a profile, appears in Discover and Discipline Matching, may be contacted by other members, and may answer Collab Briefs, agree Collab Terms, work in a Loft Studio, receive payment for collaborations, and build a public rating from completed work. Free membership does not expire and requires no payment method.
Paid membership adds the right to start things: posting a Collab Brief, and initiating Collab Terms with another member. Student membership under Section 3.6 and any complimentary membership we grant carry the same rights as paid membership for as long as they last. When a paid membership ends for any reason, including cancellation, non-payment, refund, or the expiry of a complimentary or student period, the account becomes a free membership. It is not suspended, closed, or emptied. Collaborations already underway continue to completion with full access for both parties, and Collab Briefs already posted remain live.
Paid membership: $10 USD / month.
This section applies only to paid membership. New paid memberships begin with a free trial of 7 days. No charge is made during the trial, and cancelling before it ends costs you nothing. When the trial ends, or immediately if you subscribe without one, you authorize our merchant of record, Paddle.com Market Ltd, to automatically charge your selected payment method on a recurring monthly basis at the then-current subscription rate. The advertised price is tax inclusive: Paddle is the seller of record for Collective Loft memberships and handles applicable sales tax, VAT, and GST out of that amount.
You may request a full refund within 14 days of any payment, for any reason. Refunds are issued by Paddle, our merchant of record. Request one from Paddle at paddle.net, or contact us through the Help page and we will pass the request on. Once a refund is issued, the paid membership ends and the account becomes a free membership under Section 3.0.
We will provide at least 30 days advance notice of any pricing changes via email. Continued use after the effective date constitutes acceptance of new pricing.
Membership billing is handled by Paddle as merchant of record and is subject to Paddle's terms of service and privacy policy. Payments between members for collaborations are processed by Stripe through Stripe Connect and are subject to Stripe's terms. Collective Loft is not responsible for payment processing errors, disputes, or issues arising from either provider's systems.
Enrolled students receive free membership. Student membership requires signing in with an email address at a recognized educational institution, in a country whose academic domain namespace is restricted to accredited institutions, and confirming a verification code we send to that address. The list of recognized namespaces may change as we extend coverage. It lasts 12 months from each successful verification and may be renewed annually by re-verifying the same way, for as long as you remain enrolled and retain the address. If it lapses, the account becomes a free membership under Section 3.0 and may be restored at any time by verifying again. Student membership grants full platform access and requires no payment method. Misrepresenting student status, or verifying with an educational address you are not entitled to use, is grounds for termination under Section 18. We may adjust the verification method with notice, and paid collaboration payouts remain subject to Stripe Connect onboarding requirements regardless of membership type.
So there is no surprise: paid membership costs $10 USD a month. If you start with a free trial, we email you before the trial ends and your membership converts to paid. After that, it renews automatically every month, on the same day of the month, at the then-current price, until you cancel. You can cancel at any time in your account settings, and cancellation takes effect at the end of the period you have already paid for. We give at least 30 days' email notice of any price change.
Money you earn through collaborations is yours, and so are the taxes on it. Money that members pay each other for collaborations is between those members, and we take no cut of it. You are responsible for reporting and paying any taxes on what you earn through the Platform, in every country and state where you owe them. Stripe, which processes collaboration payouts, may be required by law to collect your tax information and to report your payouts to tax authorities, for example on a Form 1099-K in the United States; you agree to give Stripe, and us where the law requires it, accurate information. We do not withhold taxes from collaboration payments, we are not responsible for determining, collecting, or paying taxes on your earnings, sales, or purchases, and we do not give tax advice; a tax professional can.
Collective Loft profiles are designed as creative professional identities rather than traditional résumés. You are solely responsible for all information and content submitted to your profile. You agree not to:
Users may create or respond to Collaboration Briefs describing creative projects, collaborator needs, compensation arrangements, timelines, and project goals. Collective Loft does not guarantee:
Discipline Matching systems are algorithmic recommendation tools only, not endorsements, certifications, or guarantees of any kind.
A Loft Studio is a shared collaboration workspace that opens when users mutually agree to collaborate by accepting Collab Terms. Loft Studios include shared milestones, deliverable tracking, shared files, shared notes, chat history, timestamped activity records, and collaboration terms.
Users acknowledge that activity history and collaboration records may remain associated with completed projects as part of the Platform's trust and reputation infrastructure, even after a subscription is canceled or an account is closed.
Before beginning work, collaborating parties may negotiate and agree upon deliverables, timelines, rights transfer terms, revenue share percentages, milestone structures, compensation arrangements, and creative exchange terms through the Platform's Collab Terms system.
Collab Terms are an agreement between the members who accept them. We provide the tool; we are not a party to the agreement, we do not review it, and we do not enforce it. Collective Loft is not a legal representative, employer, talent agency, escrow service, or contracting party to agreements between users. Nothing on the Platform is legal advice, and Collab Terms are not a substitute for a contract reviewed by your own advisor where the stakes call for one.
Collective Loft does not process escrow services, guarantee payment enforcement, or act as intermediary in financial transactions between users.
Creators retain full ownership of content they upload to the Platform. By uploading content, you grant Collective Loft a worldwide, non-exclusive, royalty-free license to host, display, store, reproduce, and technically process your content solely as necessary to operate, secure and improve the Platform, and to show it to other members as the Platform is designed to do.
That license ends when you remove the content or close your account, except for: content you shared into a Loft Studio, which remains part of the other participants' collaboration records as described in Section 6 and in our Privacy Policy; copies held for a short period in routine backups; and records the law requires us to keep. We will not use your work to promote Collective Loft outside the Platform without asking you first.
You are responsible for the content you upload. You confirm that you own it or have the rights needed to share it, and that sharing it on the Platform does not violate anyone else's rights or any agreement you are bound by.
Reviews and ratings are the statements and opinions of the members who make them, not of Collective Loft. We do not verify them and we do not adopt them as our own. To the fullest extent the law allows, including under Section 230 of the Communications Decency Act, we are not responsible for what members say about each other on the Platform. If a review about you breaks these rules, report it through the Help page at collectiveloft.com/help.
By creating an account, you consent to receive transactional emails including a welcome message, password resets, notification when someone applies to your brief, collaboration term notifications, rating prompts when a collaboration completes, billing notifications, and platform policy changes. These are service messages, not marketing. We do not send promotional email to members who have not asked for it.
From time to time we email news and updates about Collective Loft to members who have asked for them. You can opt in during signup or in your account settings, and you can unsubscribe at any time using the link in every such email or in your settings. Every one identifies us and carries our mailing address. Unsubscribing does not stop the service messages your account needs.
You agree not to:
Member profiles and content are shown to signed-in members for the purpose of finding collaborators, and for nothing else. You may not use robots, spiders, scrapers, automated scripts, or any manual process to copy, collect, index or export Platform data or member information in bulk; build a directory, dataset, or model from it; send unsolicited messages or offers to members in bulk; interfere with the Platform by overloading it, probing it, or circumventing rate limits, authentication, or other access controls; or reverse engineer or copy any part of the Platform. Public search engines may index our public pages. We may use technical measures to detect and stop these activities and may terminate accounts that engage in them.
All Platform branding, logos, systems, interfaces, software, workflows, visual design, matching systems, and proprietary technology are owned by Collective Loft and Morgan Collective Group LLC. Nothing in these Terms gives you any right to use our name, marks or designs.
We respect copyright and expect members to do the same. If you believe content on the Platform infringes your copyright, send a notice under the Digital Millennium Copyright Act to our designated agent:
Copyright Agent, Collective Loft, 201 W Lake St STE 40769, Chicago, IL 60606-1803 · Phone: (708) 325-8893 · Email: hello@collectiveloft.com
Include: identification of the copyrighted work; identification of the infringing material and its location on the Platform; your contact information; a statement that you believe in good faith the use is not authorized by the copyright owner, its agent, or the law; a statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act for the owner; and your physical or electronic signature.
If your content is removed in response to a notice, we will tell you and you may send a counter-notice with the information the DMCA requires. We may restore the content if the complaining party does not tell us within 10 business days that it has filed a court action. We close the accounts of members who repeatedly infringe.
Your use of the Platform is governed by our Privacy Policy, available at collectiveloft.com/legal/privacy and linked from the footer of the Platform and from the Help page.
Collective Loft will never sell, rent, trade, or license your personal data to any third party, and will never use your personal data to serve third-party advertising. This commitment is a binding term of the agreement between you and Collective Loft, not a statement of current practice or marketing intent. It applies to all personal data we hold about you, including your profile, portfolio, messages, collaboration history, and usage activity. Sharing data with the service providers who operate the Platform on our behalf, listed in the Privacy Policy and bound by contracts that prohibit them from using your data for their own purposes, is not a sale and is the only sharing we do.
If Collective Loft permanently ceases operation, we will notify all members by email at least 30 days before shutdown, provide a way to export your own profile and portfolio content during that period, and permanently delete all member personal data within 90 days of shutdown. The only records retained past that point are those the law requires us to keep, such as billing records, and those are retained only for their legally required period and used for no other purpose.
If Collective Loft is acquired, merged, or its assets are sold, member personal data may transfer only to a successor that agrees in writing to be bound by this Section 15 in full. We will notify all members by email at least 30 days before any such transfer takes effect, and during that period you may close your account and have your personal data deleted before it transfers. Member personal data will never be sold or transferred as a standalone asset separate from the operation of the Platform.
THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
In plain terms: we do not promise that the Platform will be available at all times, secure, uninterrupted, or free of errors, viruses or other harmful code, or that defects will be corrected; that it will meet your needs; or that any collaborator, Brief, match, rating, or member is genuine, competent, solvent, or reliable. No advice or information you get from us, spoken or written, creates a warranty that is not stated in these Terms. We may change, suspend, or discontinue any feature at any time, and we do not offer an uptime guarantee or a service level agreement. Keep your own copies of work that matters to you. Some jurisdictions do not allow some of these exclusions, so some may not apply to you.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, COLLECTIVE LOFT AND MORGAN COLLECTIVE GROUP LLC, AND THEIR MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS AND AGENTS, SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR SPECIAL DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OPPORTUNITY, ARISING OUT OF OR RELATING TO THE PLATFORM OR THESE TERMS, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, EVEN IF WE WERE TOLD SUCH DAMAGES WERE POSSIBLE.
TO THE SAME EXTENT, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE PLATFORM OR THESE TERMS, TAKEN TOGETHER, SHALL NOT EXCEED THE GREATER OF (A) THE MEMBERSHIP FEES YOU PAID TO COLLECTIVE LOFT IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED US DOLLARS ($100).
These limits do not apply to liability that cannot be limited by law, and they do not limit our obligations under Section 15. Some jurisdictions do not allow some of these limits, so some may not apply to you.
You may close your account at any time from your account settings; Section 7.2 of the Privacy Policy explains what is deleted and what remains as part of other members' records. Collective Loft may suspend or terminate an account at its sole discretion, including for a breach of these Terms, for conduct that harms other members or the Platform, or where the law requires. Where practical we will tell you why. Access to paid features continues through the end of the current paid billing period, and Section 3.3 governs refunds. When an account ends for any reason, collaborations already underway may continue to completion for the other participants, and Sections 9 (as to the records described there), 15, 16, 17, 20, 21, 26, 27, 28 and 29 survive.
These Terms are governed by the laws of the State of Illinois, without regard to its conflict of law rules, and the Federal Arbitration Act governs Section 21. Any dispute not subject to arbitration under Section 21 shall be brought only in the state or federal courts located in Cook County, Illinois, and you and we each consent to the personal jurisdiction of those courts. The one exception: a qualifying small claims action may be brought in the county where you live. Nothing in this Section takes away rights you have as a consumer under the mandatory laws of the place where you live.
Collective Loft and Morgan Collective Group LLC are not parties to agreements between users. All collaborations, payments, rights transfers, credit, and business arrangements are solely between the participating members, and any dispute about them is between those members (see also Section 1.2).
If you have a dispute with another member, or with a third party you dealt with through the Platform, whether about Collab Terms, work delivered or not delivered, quality, credit, payment, rights in a collaborative work, a review, or anything else arising from your dealings on the Platform, you release Collective Loft, Morgan Collective Group LLC, and their members, managers, officers, employees, contractors and agents from all claims, demands, liabilities and damages of every kind, known or unknown, suspected or unsuspected, arising out of or connected with that dispute. If you live in California, you waive California Civil Code Section 1542, which says: "A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party."
We may, but are not required to, look into a dispute between members, share information between the members involved, remove content, or suspend an account. If we do any of that, we act in good faith, at our discretion, and based on our own policies. If we ask you about a dispute, please reply within three business days. If you do not, we may act on the information we have, for example by removing content, updating the collaboration's status, or suspending an account. Anything we do is not a decision on who is right, and the release in Section 20.2 covers anything we do or decline to do.
Please read this Section carefully. It affects your rights. It applies to any dispute between you and Collective Loft or Morgan Collective Group LLC arising out of or relating to these Terms, the Platform, or your membership, except as stated in Section 21.3.
If you have a problem with us, tell us, and we will try in good faith to work it out. Before starting an arbitration or any court case, the party with a claim must send the other an individualized written notice describing the claim and the outcome sought. Send yours to hello@collectiveloft.com with the subject "Notice of dispute", your name and the email address on your account, or by mail to the address in Section 25; we will send ours to the email on your account. The parties then have 30 days to try to resolve the matter informally, and neither may file during that time. Most problems get solved here. If it is not resolved within 30 days, either party may proceed under this Section.
Any dispute not resolved informally will be settled by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect, as modified by this Section. The rules are at adr.org. There will be one arbitrator. The arbitrator's decision is final and binding and may be entered as a judgment in any court with jurisdiction. The arbitrator may award the same relief a court could award to you individually, and must follow these Terms as a court would. The seat of arbitration is Chicago, Illinois. Hearings will be held by videoconference unless the arbitrator decides an in-person hearing is needed, in which case it will take place in Cook County, Illinois, or in the county where you live if you prefer, unless you and we agree otherwise. Arbitration fees are governed by the AAA Consumer Arbitration Rules; if those rules require us to pay fees beyond your filing fee, we will. The arbitrator, not a court, decides whether a dispute must be arbitrated, except that a court decides whether the class waiver in Section 21.5 is enforceable.
Either party may bring an individual claim in small claims court if it qualifies there. Either party may seek an injunction or other urgent relief from a court to stop infringement or misuse of intellectual property, or unauthorized access to or misuse of the Platform. Nothing in this Section prevents you from raising a concern with a government agency.
You can reject this arbitration agreement without losing anything else in these Terms. To do so, email hello@collectiveloft.com with the subject "Arbitration opt-out", your name, the email address on your account, and a clear statement that you are opting out, within 30 days after you first accept these Terms, or, if you accepted an earlier version, within 30 days after this version's effective date. Later updates to these Terms do not restart this window, except that Section 21.7 lets you reject a change to this Section. If you opt out, disputes will be resolved in the courts named in Section 19.
YOU AND COLLECTIVE LOFT AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims or preside over any form of class or representative proceeding. If a court finds this waiver unenforceable as to a particular claim, that claim alone will proceed in court under Section 19, not in class arbitration, and the rest of this Section still applies to every other claim.
If 25 or more arbitration demands raising similar claims are filed against us by or with the help of the same or coordinated lawyers within 90 days, the AAA will administer them in batches of up to 25, each batch with one arbitrator and one set of fees, and the parties will cooperate to select arbitrators and to resolve the batches efficiently.
If we change this Section after you accept it, you may reject the change by opting out under Section 21.4 within 30 days of the change taking effect, and the version you accepted will continue to apply. If any part of this Section other than Section 21.5 is found unenforceable, the rest remains in force. This Section survives the end of your membership.
Profile completion indicators, collaboration history counts, Community Voice ratings, and trust signals are informational only, not endorsements, certifications, or background checks of any kind.
Rights related to collaborative works are determined solely by agreements between participating users.
We will notify registered users by email at least 14 days before material changes take effect. Changes that reduce the protections in Section 15 (Privacy & Data) require at least 30 days advance email notice and do not apply retroactively to data collected before the change takes effect. Each version carries its effective date, we keep a record of the version you accepted, and earlier versions are available on request. If you do not agree to a change, close your account before it takes effect; using the Platform after the effective date means you accept the new version.
Collective Loft · Morgan Collective Group LLC · 201 W Lake St STE 40769, Chicago, IL 60606-1803 · hello@collectiveloft.com · collectiveloft.com. For help with your account, use the Help page at collectiveloft.com/help.
A legal notice to us, including a notice of dispute under Section 21.1, must be sent by email to hello@collectiveloft.com with the subject "Legal notice", or by mail to Morgan Collective Group LLC, care of its registered agent on file with the Illinois Secretary of State. We will send legal notices to you at the email address on your account, or post them as a notice on the Platform. Email notice counts as given 24 hours after it is sent; mailed notice three days after mailing. Keep your email address current.
If you live in Illinois or California, you may ask us by email at hello@collectiveloft.com for the name, address and contact details of the operator of the Platform and we will provide them. California residents may also contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.
If we get sued or face a claim because of something you did or failed to do, you agree to defend, indemnify and hold harmless Collective Loft, Morgan Collective Group LLC, and their members, managers, officers, employees, contractors and agents from any claim, demand, loss, liability, damage, cost or expense, including reasonable attorneys' fees, brought by a third party and arising out of: your breach of these Terms; content you upload or share; your collaborations, Collab Terms, and dealings with other members; your violation of any law or of anyone's rights, including intellectual property, privacy and publicity rights; or your tax obligations. We may take over the defense of any matter we would otherwise be indemnified for, at our expense, and you agree to cooperate; you may not settle a matter that involves us without our written consent. This Section does not require you to indemnify us for our own negligence or misconduct. It survives the closing of your account.
We love hearing what would make Collective Loft better, and members send ideas through the Help page all the time. So that we can act on them: any idea, suggestion or feedback you send us about the Platform is given voluntarily and is not confidential, and you grant us a perpetual, irrevocable, royalty-free right to use it for any purpose without any obligation to you, including to credit or pay you. This covers ideas about the Platform itself, not your creative work. Your creative work stays yours under Section 9, always.
To the extent the law allows, any claim you have against Collective Loft or Morgan Collective Group LLC arising out of or relating to these Terms or the Platform must be started, in arbitration or in court, within one year after the claim arose, or it is permanently barred.