OnlyFans Agency Contract: The Clause-by-Clause Checklist

What should an OnlyFans agency contract contain?

Fifteen clauses, and each one has a version that protects you and a version that does not. The table below is the whole checklist: the clause, what it has to actually say, and the wording that should stop you signing. Nothing here is exotic — every red flag in the right-hand column is a clause we have seen in a real contract, brought to us by a creator who was already in it.

Two habits make the difference. First: a clause you cannot fail is a clause you cannot enforce, so treat every adjective (“reasonable”, “competitive”, “industry-standard”) as a blank. Second: if an agency will not put an answer in the document, the answer is no, whatever it says on the call.

Which clause do most creators overlook?

The two that decide who owns the account and who receives the payouts. Creators negotiate the commission percentage for an hour and skim past these in ten seconds, and they are the only clauses on the list that can cost you everything rather than a few points of margin.

Whose name is on the bank account?

OnlyFans sends money to whatever payout method is attached to the account. That is the whole mechanism. It does not know or care whether the human who set that up was you or someone managing you — it pays where the account says to pay.

So there are two arrangements, and they look almost identical on a contract page. In the first, the platform pays you, and you pay the agency its share. In the second, the platform pays the agency, and the agency “remits” your share to you. The difference is not administrative. In the first, the agency has an invoice against you. In the second, you have a claim against a company that is already holding your money — and a claim is not the same thing as money.

Think about what happens when that relationship goes wrong. The agency is slow. Or it disputes your figures and you have no way to check them, because the statements arrive from the party doing the paying. Or its own banking gets frozen — which happens in adult-adjacent businesses. Or it simply stops replying. There is no chargeback here. There is no platform to appeal to, because nothing was stolen and no card was misused: the money went precisely where the account told it to go. Your only route is a lawsuit against a company that may be in a jurisdiction you have never visited, for a sum that is smaller than the cost of pursuing it. That is why it is the most expensive mistake in this industry — not because it is the most common, but because it is the one you cannot undo.

Whose email is on the OnlyFans account?

The same logic, one step earlier. Whoever controls the email address on the account controls the password, and whoever controls the password controls the payout details. An agency holding the account email does not need a clause entitling it to your money; it can simply change where the money goes. If the account is registered to the agency rather than to your verified identity, you are not the account holder in any sense the platform recognises, and getting it back is an identity-verification process with a company that has no obligation to be quick about it.

Do not plan to survive this. Plan not to need to.

What does the commission percentage actually apply to?

Whatever the contract says it applies to — which is why the number on its own is close to meaningless. A 25% commission on every dollar that moves through the account, including tips, pay-per-view, livestreams and the brand deal you closed yourself, can easily cost you more than a 35% commission defined narrowly and taken after the platform’s cut. Compare contracts, not percentages.

Most agencies do take a cut of tips and PPV, and that is defensible: those are the lines a chatting team actually moves, and an agency paid only on subscriptions would be paid least for the work it does most. Across the agencies we compete with and the creators who arrive at our door from them, rates cluster between 20% and 50% — that is our own observation as an operator, not a published survey, and we know of no credible one. What matters is that the base is written down, and that the contract says plainly whether the percentage bites before or after OnlyFans takes its own 20%.

And then do the arithmetic that the percentage is hiding. A commission is not a cost; it is a share of a number the agency is supposed to change. At a 40% commission the agency has to lift your revenue by roughly 67% before you are a single dollar better off. The commission calculator runs that number for any rate, and it is the question to put to the agency before you sign: what uplift do you expect, and on what evidence?

How do you know the exit clause is a real exit?

A real exit clause survives four questions, and a decorative one fails at least one of them. How many days’ notice, and does the same number bind the agency? Is there a fee for leaving on time — a break fee, a buyout, a “wind-down charge”? Does the agency keep a percentage of anything you earn after the last day? And on that last day, does its access actually end — passwords, account email, payout settings, all back with you, on a stated deadline?

The commission tail is the one to look hardest at, because it is the one that sounds reasonable when it is explained to you. The pitch is that the agency built the subscriber base, so it should earn from those subscribers for a while after you part. The problem is that it converts your ex-manager into a permanent shareholder in an account it no longer works on, and it is normally written to be uncapped in scope: not “the subscribers we acquired”, which nobody can identify twelve months later, but a flat percentage of everything.

Length matters less than people assume. A twelve-month term you can leave on thirty days’ notice is a better deal than a three-month term that auto-renews for three more unless you object inside a two-week window buried in clause 14. Read the renewal mechanics, not the headline number.

What does Bunny Agency’s own contract say?

Start with the obvious conflict: we are an agency, this page is a checklist for judging agencies, and we would like you to sign with us. A checklist published by an interested party is a marketing asset by construction. So here is what we commit to publicly, and you should hold us to every word of it in writing before you sign anything — exactly as you would with anyone else on your shortlist.

For the record on the rest of the checklist: we do not publish our full contract text, so treat every commitment above as something to verify in the document you are sent rather than something you have already confirmed. Ask for the contract before the call if you want to read it cold, without a salesperson in your ear. We manage 400+ creators and we would rather lose a signature to a lawyer’s advice than win one from a creator who did not read what they signed.

What should you do before you sign?

Six things, in this order, and none of them require you to know any law.

1. Get the document. Not a summary, not a deck, not a WhatsApp message. An agency that will not send the contract until you are “ready to sign” is managing your reading time on purpose.
2. Find the payout clause and the account-ownership clause first. If either one puts the agency between you and your money, stop here. The rest of the document does not matter.
3. Find the exit. Notice period, break fee, commission tail, handover deadline. Read the way out before you read the offer.
4. Circle every adjective. “Reasonable”, “competitive”, “industry-standard”, “best efforts”. Ask for each one to be replaced with a number, a date or a name.
5. Put every verbal promise into the document. If it was worth saying on the call, it is worth writing down. If it cannot be written down, it was not a promise.
6. Pay a lawyer. An entertainment, talent or digital-media attorney, for an hour, before you sign. Against a contract that governs your entire income, it is not an expense worth arguing about.

And one thing not to do: do not sign under time pressure. “This rate is only available today” is not a commercial term, it is a technique. A partner who wants a long relationship with you can wait a week for your lawyer.

Which contract terms should you refuse outright?

Five, and they are not negotiating positions — they are reasons to leave the call. Payouts routed to the agency instead of to you. An account registered to the agency, or an agency email on your account. Any transfer of copyright in your content, or a licence that outlives the contract. A contract you cannot exit, or one you can only exit by paying. And a one-way NDA that stops you talking about the agency afterwards.

Everything else on the checklist is a conversation. The commission rate is a conversation. The term length is a conversation. These five are the terms that transfer control of your business, and no percentage on the front page compensates for them.

If you are still comparing agencies rather than contracts, the agency comparison covers what to verify before you ever get to a document, and how to spot scam agencies covers the ones that never intended to send you one.