Guide
OnlyFans' new terms from 1 November 2026: what is new, what is not, and what to do
OnlyFans has told creators its terms change on 1 November 2026. Some of the clauses being shared as new are already in today's terms. This is which parts actually change, quoted against the current text, and what to do before the date.
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Contents
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What this page is based on
OnlyFans emailed creators about new terms on 1 October 2026, to take effect on 1 November 2026. As of 18 October 2026 its public terms page still shows “Last updated: August 2024”, so the new wording below is as reported by the press, with the source named on each line. The current wording is quoted from that public page, which we re-read on 18 October. We will check every line against the official text once it is published, and log the change on the terms tracker.
What is new
These are the changes at least one report describes, set against what the terms say today.
| Clause | Today (public terms, August 2024) | From 1 November (reported) | Reported by |
|---|---|---|---|
| When OnlyFans can suspend you and hold your earnings | If “we think you have or may have seriously or repeatedly breached” the terms, threaten a breach with serious consequences, or OnlyFans suspects fraud | If it thinks you “have or may have breached” the terms at all. Two new grounds: conduct that causes “loss or reputational harm”, and not providing requested information promptly | Supercreator, Vice Snob |
| Disputing a decision | Within six months of being notified | Within six months, and “in writing” | Supercreator, Vice Snob |
| AI-generated content | Must be “clearly and conspicuously captioned” with a signifier such as #ai or #AIGenerated | Still labelled, and must also “clearly feature the verified Creator”, which rules out fully synthetic models | Supercreator, Vice Snob |
| Refunds when a fan is banned | Their payments “will not be refunded” | Their payments “may not be refunded”, which leaves room for OnlyFans to refund them | Vice Snob |
| Free and discounted trials | Not covered | Trials “at a reduced rate or free of charge” that turn into paid subscriptions unless cancelled, which OnlyFans can “modify, end or pause … at any time without Notice” | Vice Snob |
| Court orders | A lien or levy lets OnlyFans withhold earnings until it is removed | Earnings can also be paid to a third party under a court order | Vice Snob |
| Currency conversion | Your bank or e-wallet “may charge currency conversion or other fees” | Payouts that need converting “include processing and exchange-rate fees” | Supercreator only: unconfirmed |
The first row is the one that matters most. Today, a freeze needs OnlyFans to think a breach was serious or repeated. Under the new wording, as reported, a single suspected breach is enough, and so is a slow answer to a request for information. Nothing about the freeze itself gets gentler, so the same powers start sooner.
Vice Snob also reports a clause letting OnlyFans process content, including direct messages, with AI. Supercreator reports a separate rule that content may not be used to train AI systems. Neither one changes what you earn, but both are worth reading in the full text.
What is not new
Several clauses going round as part of the rewrite are already in the terms you agreed to. They are worth knowing, but they are not a reason to treat 1 November as a turning point.
- Holding earnings with no time limit. The current terms already let OnlyFans act “without warning or Notice and for as long as is necessary to review the relevant facts”, including to “withhold any part of your Creator Earnings”.
- Forfeiting earnings. After that review, OnlyFans “may … treat any part of your Creator Earnings as forfeited”. Today’s wording.
- The six-month dispute window. “If you do not dispute our decision within six months of Notification, you waive the right to dispute the decision.” Only the “in writing” part is new.
- Closing an account for any reason. “We may suspend or delete your account with 30 days’ Notice, at any time, for any reason.” Supercreator reports this stays.
- The fee. 80% to you, 20% to OnlyFans, unchanged. The OnlyFans review and the fees comparison have the sourced figures.
What to do before 1 November
None of this calls for panic, and none of it is a reason on its own to leave. It is a reason to make a freeze cost you less if it happens.
- Read the new terms yourself. When OnlyFans shows you the new text, read the suspension and AI sections before you accept, rather than relying on any summary, this one included.
- Save a copy. Screenshot or print the version you accept, with the date. Terms on this kind of platform change by email, and the referral history shows that what was promised can be rewritten later.
- Answer information requests quickly. Not providing requested information promptly is, reportedly, about to become grounds for a freeze on its own. Keep your ID, model releases and co-creator paperwork where you can send them the same day.
- Check your AI content. If you post AI-generated material, make sure it is labelled and that it features you, the verified creator. Fully synthetic characters look set to break the new rules. The AI content rules by platform show where else they are allowed.
- Withdraw regularly. The terms let OnlyFans withhold your Creator Earnings, which sit in your balance until you are paid out. A smaller balance means less for a freeze to hold.
- Keep a second platform and an audience you own. A freeze takes all of your OnlyFans income, not 20% of it. A live second platform and a mailing list or social following are what you would still have. The switching guide explains how to add a platform without losing fans, and the switching calculator shows what a full move would cost you.
Disputing a freeze
Under the reported new terms, a dispute has to be in writing and within six months of the notice. Keep the notice, keep your reply, and send it through OnlyFans’ Complaints Policy (for withheld earnings) or Appeals Policy (for a closed account or removed content), the routes the current terms name.
Sources
- OnlyFans, Terms of Service, “Last updated: August 2024”, re-read 18 October 2026. Every “today” quote above comes from this page.
- Supercreator, OnlyFans terms of service update 2026: what changed, 7 October 2026.
- Vice Snob, OnlyFans Terms of Service 2026: what changed for creators, 13 October 2026.
- St. Louis Riverfront Times, OnlyFans terms of service are changing, for the 1 October email and the 1 November date.
Related reading
- Terms tracker: every logged change to platform terms
- Best platform for creators leaving OnlyFans
- Best second platform to run alongside your main one
- Glossary: creator-platform terms in plain English
Common questions
When do OnlyFans' new terms take effect?
1 November 2026, according to the email OnlyFans sent creators on 1 October 2026, as reported by the press. As of 18 October 2026 the public terms page at onlyfans.com/terms still shows the version last updated in August 2024.
Is the OnlyFans fee changing on 1 November?
No. Every report of the new terms says the creator share stays at 80%, so OnlyFans' fee stays at 20%.
Can OnlyFans keep my earnings under the new terms?
It already can. The current terms let OnlyFans withhold any part of your earnings "for as long as is necessary to review the relevant facts" and then "treat any part of your Creator Earnings as forfeited". What changes, reportedly, is how little it takes to start that process: a suspected breach of any kind, rather than a serious or repeated one.
Do I have to accept the new OnlyFans terms?
The current terms say that once they are updated "you will be bound by the effective Terms of Service if you continue to use OnlyFans", and that OnlyFans will notify you "so you may delete your account before the changes take effect". There is no option to stay on the old terms.