INCOME RELEASE POLICY

1. Introduction

Welcome to the SingWithMe Records Income Release Policy.

This Policy explains how earnings generated through the SingWithMe Records platform are managed before they become available for withdrawal by eligible users.

The purpose of this Policy is to provide transparency regarding:

• how earnings are calculated;
• when earnings become available;
• why funds may be temporarily held;
• the conditions that must be satisfied before earnings are released;
• withdrawal eligibility requirements; and
• situations that may delay or prevent payment.

This Policy forms part of the contractual relationship between users and SingWithMe Records Ltd and should be read together with:

• Terms & Conditions
• User Agreement
• Privacy Policy
• Legal & Compliance Framework
• Platform Usage Policy
• Payments & Escrow Policy
• Refund Policy

2. Purpose of This Policy

The objectives of this Policy are to:

• protect creators and customers;
• reduce fraud;
• provide transparent payment procedures;
• minimise chargeback risk;
• comply with applicable financial regulations;
• establish fair release procedures;
• protect marketplace integrity.

3. Who This Policy Applies To

This Policy applies to any user who becomes eligible to receive payments through the Platform, including:

• Artists
• Producers
• Songwriters
• Bands
• DJs
• Record Labels
• Service Providers
• Marketplace Sellers
• Future Revenue Partners

Customers purchasing products or services should also review this Policy to understand how payment protection mechanisms operate.

4. Definitions

For the purposes of this Policy:

Available Balance means earnings that have completed all required holding periods and are eligible for withdrawal.

Pending Balance means earnings that are still undergoing review or holding requirements.

Escrow means the temporary holding of funds before they become eligible for release.

Release Date means the date on which funds become available for withdrawal, subject to all applicable requirements.

Withdrawal means the transfer of available funds from the Platform to an approved payment destination.

5. How Earnings Are Generated

Eligible users may earn income through activities made available on the Platform, including but not limited to:

• music sales;
• digital downloads;
• streaming revenue (where applicable);
• licensing;
• creative services;
• marketplace sales;
• promotional opportunities;
• future monetisation programmes introduced by SingWithMe Records.

The availability of earnings depends upon the features enabled for the Platform.

6. Payment Processing Overview

When a customer completes a purchase:

1. Payment is authorised.
2. Payment is verified.
3. Fraud screening may occur.
4. The transaction is recorded.
5. Funds may enter a temporary holding period.
6. Earnings become eligible for release once all applicable requirements have been satisfied.

The exact operational workflow may vary depending upon the payment provider used.

7. Pending Balance

Following a completed transaction, earnings may first appear as a Pending Balance.

Pending balances indicate that funds have not yet become eligible for withdrawal.

Pending balances may exist while the Platform completes:

• payment verification;
• fraud checks;
• dispute monitoring;
• refund assessment periods;
• chargeback protection procedures;
• security reviews.

Pending balances are not considered available income until officially released.

8. Escrow Holding Period

To protect both creators and customers, SingWithMe Records may temporarily hold earnings before release.

The escrow process helps:

• prevent fraud;
• reduce payment disputes;
• manage chargeback risks;
• protect intellectual property investigations;
• ensure compliance with financial obligations.

The exact holding period will be published by the Platform and may vary depending on:

• payment provider;
• transaction type;
• jurisdiction;
• account history;
• fraud risk assessment.

9. Release Eligibility

Funds generally become eligible for release once all applicable requirements have been satisfied.

Examples include:

• successful payment verification;
• completion of the applicable holding period;
• absence of unresolved disputes;
• absence of refund requests;
• compliance with Platform policies;
• successful security reviews;
• completion of any required identity verification.

Meeting one requirement does not automatically guarantee immediate release.

10. Account Verification Requirements

Before releasing earnings, SingWithMe Records may require verification of:

• identity;
• age;
• legal name;
• payment destination;
• business registration (where applicable);
• tax information (where applicable);
• ownership of uploaded content.

Verification requests are intended to protect users and comply with legal obligations.

Failure to complete required verification may delay payment.

11. Withdrawal Eligibility

Users may request withdrawals only where:

• earnings have become available;
• all required verification has been completed;
• account restrictions do not apply;
• there are no unresolved investigations affecting payment;
• withdrawal requirements published by the Platform have been satisfied.

Additional eligibility requirements may be introduced as the Platform evolves.

12. Minimum Withdrawal Requirements

Where applicable, SingWithMe Records may establish:

• minimum withdrawal amounts;
• maximum withdrawal amounts;
• daily limits;
• monthly limits;
• transaction limits.

Applicable limits will be published within the Platform.

13. Processing Times

Once a withdrawal request has been approved:

• internal review may occur;
• payment instructions may be transmitted;
• payment providers may require additional processing time.

Actual receipt of funds depends upon:

• banking systems;
• payment providers;
• weekends;
• public holidays;
• international payment networks.

Estimated processing times displayed on the Platform are indicative only.

14. Currency

Payments may be processed in one or more currencies supported by the Platform.

Where currency conversion occurs:

• exchange rates may apply;
• third-party provider fees may apply;
• conversion timing may affect the final amount received.

SingWithMe Records is not responsible for fluctuations in exchange rates.

15. Tax Responsibilities

Users remain responsible for:

• reporting income;
• paying applicable taxes;
• complying with tax laws;
• obtaining independent tax advice where appropriate.

The Platform does not provide tax advice.

Where legally required, the Platform may request tax-related information before releasing payments.

16. Payment Release Review

Before earnings are released, SingWithMe Records may conduct one or more compliance reviews to ensure that payments can be processed safely and lawfully.

These reviews may include:

• payment verification;
• fraud assessment;
• account verification;
• copyright verification;
• transaction history review;
• unusual activity monitoring;
• security checks.

The completion of these reviews helps protect creators, customers, and the integrity of the Platform.

17. Circumstances That May Delay Payment

Payments may be delayed where additional review is required.

Examples include:

• pending refund requests;
• payment reversals;
• chargeback notifications;
• suspected fraudulent activity;
• identity verification requirements;
• copyright ownership disputes;
• suspicious account activity;
• legal requests;
• regulatory investigations;
• incomplete payment information.

The Company will make reasonable efforts to resolve such reviews promptly; however, the duration may vary depending on the circumstances.

18. Fraud Prevention

To safeguard the Platform and its users, SingWithMe Records employs fraud prevention procedures that may include:

• transaction monitoring;
• risk scoring;
• payment verification;
• identity verification;
• account behaviour analysis;
• device analysis;
• manual review of suspicious transactions.

Where fraud is suspected, the Company may temporarily suspend payment processing while an investigation is completed.

19. Chargebacks

A chargeback occurs when a payment is disputed by the payer through their financial institution or payment provider.

Where a chargeback is received, SingWithMe Records may:

• temporarily suspend release of related earnings;
• investigate the transaction;
• request supporting documentation from the seller;
• cooperate with the payment provider;
• reverse or adjust earnings where permitted by law.

Users agree to cooperate with reasonable requests relating to chargeback investigations.

20. Refund Requests

Where a refund request is submitted in accordance with the Refund Policy, earnings associated with the relevant transaction may remain on hold until the request has been resolved.

During this period, funds may continue to appear as pending and may not be available for withdrawal.

Refund eligibility and procedures are governed by the Platform's Refund Policy.

21. Copyright Claims

If a copyright complaint is received relating to content associated with a payment, SingWithMe Records may temporarily suspend the release of the affected earnings while the matter is investigated.

The Company may request:

• proof of ownership;
• licensing documentation;
• agreements between collaborators;
• copyright registrations (where available);
• other supporting evidence.

If infringement is confirmed, earnings may be withheld, adjusted, or redirected in accordance with applicable law or legal orders.

22. Platform Policy Violations

Where a user is suspected of violating the Terms & Conditions, User Agreement, Platform Usage Policy, or applicable law, SingWithMe Records may delay or suspend the release of earnings while the matter is investigated.

Examples include:

• fraudulent conduct;
• abusive marketplace activity;
• repeated copyright infringement;
• identity fraud;
• prohibited content;
• misuse of payment systems.

Enforcement actions will be taken in accordance with the Platform's legal framework.

23. Security Reviews

To protect users from unauthorised transactions, the Company may conduct additional security reviews before releasing funds.

These reviews may include:

• login history;
• device verification;
• IP address analysis;
• unusual account activity;
• authentication reviews.

Additional verification may be requested before payments are processed.

24. Account Restrictions

Where an account is subject to temporary restrictions, payment releases may also be restricted until the underlying issue has been resolved.

Restrictions may result from:

• security investigations;
• policy violations;
• legal requests;
• unresolved disputes;
• incomplete verification.

25. Withheld Funds

SingWithMe Records reserves the right, where permitted by law, to temporarily withhold funds where necessary to:

• comply with legal obligations;
• investigate fraud;
• resolve copyright disputes;
• protect customers;
• comply with court orders;
• satisfy regulatory requirements.

Any withholding will be limited to the extent reasonably necessary.

26. Dispute Procedures

Where disputes arise concerning payments or earnings, the Company may:

• review transaction records;
• request supporting documentation;
• communicate with affected users;
• temporarily suspend payment release;
• seek clarification from payment providers.

Users are encouraged to cooperate fully during dispute resolution.

27. Payment Monitoring

For security and compliance purposes, payment activity may be monitored for indicators of:

• suspicious transaction patterns;
• duplicate payments;
• unusual withdrawal behaviour;
• multiple linked accounts;
• potential money laundering;
• payment fraud.

Monitoring is conducted solely for legitimate operational, legal, and security purposes.

28. Payment Destination

Users are responsible for ensuring that the payment destination provided for withdrawals is:

• accurate;
• active;
• lawfully owned or controlled by the user;
• capable of receiving the selected payment method.

SingWithMe Records is not responsible for losses arising from incorrect payment information supplied by users.

29. Failed Payments

Where a payment fails due to circumstances beyond the Company's reasonable control, such as:

• incorrect banking details;
• rejected payment accounts;
• payment provider errors;
• banking restrictions;
• international transfer limitations,

the Company may request updated payment information before attempting to process the withdrawal again.

Any applicable third-party charges may remain the responsibility of the user.

30. Payment Records

SingWithMe Records may maintain records relating to:

• payment requests;
• withdrawals;
• transaction histories;
• release dates;
• payment adjustments;
• disputes;
• refunds;
• chargebacks.

These records are retained in accordance with applicable legal, regulatory, accounting, and data protection requirements.

31. User Responsibilities

Users receiving earnings through the Platform agree to:

• provide accurate payment information;
• maintain current contact details;
• complete all required verification procedures;
• comply with all applicable laws and regulations;
• report suspected unauthorised transactions immediately;
• ensure all uploaded content is lawfully owned or licensed;
• comply with all Platform policies.

Users are solely responsible for ensuring that information used for payment processing remains accurate and up to date.

32. Payment Security

SingWithMe Records is committed to protecting financial transactions through appropriate administrative, technical, and organisational safeguards.

Security measures may include:

• encrypted communications;
• secure payment gateways;
• fraud detection systems;
• identity verification;
• transaction monitoring;
• access controls;
• audit logging.

Although every reasonable effort is made to protect payment information, no online payment system can be guaranteed to be completely secure.

33. Regulatory Compliance

SingWithMe Records may process, delay, restrict, or refuse payments where required to comply with applicable laws and regulations.

This may include compliance with:

• anti-fraud legislation;
• anti-money laundering requirements (where applicable);
• sanctions regulations;
• tax reporting obligations;
• court orders;
• regulatory investigations;
• financial crime prevention measures.

The Company reserves the right to request additional documentation where required by law.

34. User Representations

By requesting payment, users represent and warrant that:

• they are legally entitled to receive the funds;
• payment details are accurate;
• uploaded content complies with applicable law;
• no fraudulent activity has occurred;
• all information supplied to the Platform is truthful.

False declarations may result in payment suspension, account restriction, or legal action where appropriate.

35. Limitation of Liability

To the fullest extent permitted by applicable law, SingWithMe Records Ltd shall not be liable for:

• delays caused by financial institutions;
• failures of third-party payment processors;
• exchange rate fluctuations;
• banking delays;
• payment interruptions beyond the Company's reasonable control;
• losses resulting from inaccurate payment information provided by users;
• delays arising from fraud prevention or legal compliance reviews.

Nothing in this Policy excludes liability where such exclusion is prohibited by law.

36. Suspension of Payment Services

The Company may temporarily suspend payment services where necessary to:

• investigate fraud;
• respond to security incidents;
• comply with legal obligations;
• maintain platform integrity;
• perform system maintenance;
• implement security improvements.

Where reasonably practicable, users will be informed of significant interruptions affecting payment services.

37. Governing Law

This Income Release Policy shall be governed by and interpreted in accordance with the laws of the jurisdiction in which SingWithMe Records Ltd is incorporated, unless mandatory local legislation provides otherwise.

Any disputes relating to this Policy shall be subject to the exclusive jurisdiction of the competent courts of that jurisdiction.

38. Policy Amendments

SingWithMe Records reserves the right to amend this Income Release Policy at any time to reflect:

• changes in legislation;
• regulatory requirements;
• operational improvements;
• payment provider requirements;
• fraud prevention measures;
• platform enhancements.

Updated versions will be published on the Platform together with the revised effective date.

Continued use of the Platform after amendments become effective constitutes acceptance of the updated Policy.

39. Contact Information

For questions relating to payments or this Income Release Policy, please contact:

SingWithMe Records Ltd

Registered Address:

5th Floor, 27 Allied Place, 44 Abbey Street, Leicester, LE1 3TD, United Kingdom

Office visits are available by appointment only. Please contact us before visiting.

Payments Team:
support@singwithmerecords.co.uk

Legal & Compliance:
support@singwithmerecords.co.uk

Customer Support:
support@singwithmerecords.co.uk

Telephone:
+447376577937

40. Definitions

For the purposes of this Policy:

Available Balance means earnings that have satisfied all release requirements and are eligible for withdrawal.

Escrow means the temporary holding of funds pending completion of verification, fraud prevention, or other compliance requirements.

Pending Balance means earnings that remain subject to review or holding requirements.

Payment Processor means an authorised third-party financial service provider used to process payments.

Release Date means the date on which eligible earnings become available for withdrawal.

User means any Artist, Producer, Songwriter, Service Provider, Marketplace Seller, or other eligible participant authorised to receive payments through the Platform.

Withdrawal means the transfer of eligible earnings from the Platform to an approved payment destination.

Appendix A – Summary of the Income Release Process

The general payment lifecycle is as follows:

1. Customer completes a purchase.
2. Payment is authorised and verified.
3. Funds are recorded.
4. Earnings enter the Pending Balance.
5. Fraud and security checks are completed.
6. Escrow or holding period (if applicable) is completed.
7. Identity and compliance requirements are confirmed.
8. Earnings become part of the Available Balance.
9. User requests a withdrawal.
10. Payment is processed through the approved payment provider.

The exact timing of each stage may vary depending on the transaction, payment provider, jurisdiction, and compliance requirements.

Appendix B – Events That May Delay Payment

Payments may be delayed where any of the following occur:

• refund requests;
• chargebacks;
• payment verification;
• identity verification;
• copyright disputes;
• fraud investigations;
• suspicious account activity;
• incomplete payment information;
• banking delays;
• legal or regulatory requests;
• technical issues affecting payment processing.

Delays are intended to protect both users and the integrity of the Platform.

Appendix C – Related Policies

This Income Release Policy should be read together with:

• Terms & Conditions
• User Agreement
• Platform Usage Policy
• Payments & Escrow Policy
• Refund Policy
• Privacy Policy
• Legal & Compliance Framework

Each document addresses a different aspect of the legal and operational relationship between users and SingWithMe Records Ltd.

Final Acknowledgement

By requesting or receiving payments through the SingWithMe Records Platform, you acknowledge that you have read, understood, and agree to comply with this Income Release Policy.

You understand that payment release is subject to verification, fraud prevention, security reviews, legal obligations, and compliance with all applicable Platform policies.

SingWithMe Records Ltd is committed to maintaining a transparent, fair, and secure payment process that protects artists, creators, service providers, customers, and the wider creative community while supporting responsible financial operations.

End of Income Release Policy