Terms of Service
Last updated: October 22, 2026
These Terms of Service ("Terms") govern your use of Funny Money (the "Service"), operated by Funny Money ("we," "us"). By creating an account, subscribing, writing a caption, or registering a channel, you agree to these Terms. If you don't agree, don't use the Service.
1. Eligibility
You must be at least 18 years old and legally able to enter a binding contract to subscribe or receive a payout. Creators registering a channel must be the verified owner of that channel. The Service is intended for use in the United States; if you're located elsewhere, you're responsible for complying with your local laws.
2. What Funny Money Does
Funny Money is a monthly caption contest built around trending YouTube Shorts — not long-form video.
- The Top Feed. Each month we surface a feed of Shorts from registered creators, ranked by our own automated scoring of public comment engagement on those Shorts. Long-form YouTube videos are not scanned and are never eligible.
- Captions. Members write captions for the Shorts in the feed. A caption can be up to 300 characters, and you can submit one caption per Short per month.
- Votes. Members vote on each other's captions with a "laugh" reaction. You get one vote per caption, and you can't vote on your own.
- The monthly prize. At the end of each month, the highest-voted prize-eligible caption wins that month's prize pool (Section 5).
- The creator bonus. Separately, the registered creator whose Short ranks first in that month's Top Feed earns the creator bonus (Section 6).
Which Shorts rank in the Top Feed is determined by our automated scoring, which we don't guarantee is free of error; our determination of the Top Feed ranking is final. Which caption wins the monthly prize is determined by member votes under Section 5 — not by a random drawing, and not by our own judgment of how funny a caption is.
3. Accounts & Sign-In
You sign in with your Google account or, on iOS, with Sign in with Apple, using Firebase Authentication. We never request or receive your Google or Apple password. Creators registering a channel must verify ownership by granting Funny Money read-only access to their YouTube account (the youtube.readonly scope); we use this only to confirm which channel is theirs. Subscribers are not required to connect a YouTube account. See our Privacy Policy for the full detail on what we access and why.
You're responsible for keeping your account credentials secure and for all activity under your account.
4. Subscription, Billing & Cancellation
- Funny Money is a $4.99/month recurring subscription, purchased on our website and billed to the payment method you provide via Stripe. Apple and Google are not parties to your subscription.
- Your subscription automatically renews each month at the then-current price until you cancel.
- You can cancel anytime; cancellation takes effect at the end of your current billing period, and you keep access until then. We don't provide prorated refunds for partial months.
- Free accounts can write captions and vote, but a caption can only win the prize pool if its author had an active (or trial) subscription at the moment the caption was submitted. That status is recorded when the caption is submitted and is not re-checked afterward.
5. The Monthly Prize Pool
Each month, we calculate net subscription revenue (gross subscription revenue minus payment-processing fees) and set aside 50% of that net revenue as the month's prize pool, capped at $25,000.
- The prize pool goes to the author of the highest-voted prize-eligible caption submitted that month. If captions tie, the one submitted first wins.
- If no prize-eligible caption was submitted in a month, no prize is awarded for that month — it is not carried over, rolled over, or added to a future month's pool.
- Winners must be 18 or older and have an account in good standing. Winners are paid manually by us, by a payment method we agree on, after verification. We may require you to provide tax information (Section 8) before releasing payment.
- Funny Money is the sole sponsor of the prize pool and of this contest. Apple Inc. and Google LLC are not sponsors of, and have no involvement in, the prize pool or any other part of the contest.
Funny Money reserves the right to adjust the prize pool percentage, the payout cap, or the eligibility rules described here for future months, with notice on this page.
6. The Creator Bonus Program
Registering a channel with Funny Money is free. Each month, the registered creator whose Short ranks first in the Top Feed (see Section 2) is paid a bonus, whether or not the creator is a Funny Money subscriber and whether or not anyone captioned their Short. The bonus amount is a flat, published amount set by the number of Funny Money's active subscribers at the time (currently ranging from $10 to a cap of $25,000 as the subscriber base grows), not a percentage the creator can negotiate. To pay you, we need payout details such as a Venmo, CashApp or Zelle handle, which you can provide when you register. Funny Money reserves the right to change this schedule for future months.
7. Voter Interaction Points
Each vote you cast for another member's caption while you have an active (or trial) subscription earns one Voter Interaction Point. After the end of each calendar year, the subscriber who cast the most qualifying votes that year receives a free year of Funny Money, applied by us as a credit to their subscription. If subscribers tie, the one who reached that vote count first wins. Votes cast while on a free account never count, even if you subscribe later.
8. Tax Reporting
Payments to subscribers or creators may be reportable income. If your total payouts from Funny Money in a calendar year meet or exceed the applicable IRS threshold (currently $600), we may require you to complete a Form W-9 (or equivalent) before releasing further payment, and we'll issue the applicable tax form (e.g., Form 1099) as required by law. You're responsible for reporting and paying any taxes owed on amounts you receive.
9. Prohibited Conduct
You agree not to:
- Create multiple accounts to increase your chances of winning, or misrepresent your identity or channel ownership.
- Manipulate votes, engagement metrics, or the selection process through bots, purchased or traded votes, voting rings, coordinated brigading, or similar means.
- Submit captions that are illegal, harassing, hateful, sexually explicit, threatening, or that infringe someone else's rights.
- Interfere with or attempt to gain unauthorized access to the Service.
We may remove a caption or vote, disqualify an entry, withhold a payout, or terminate an account (Section 13) if we reasonably believe this section was violated. To report a caption or a user, email willwalton73@gmail.com; we review reports and remove content that violates these Terms.
10. Content & Intellectual Property
Your captions. You keep ownership of the captions you write. By submitting a caption, you grant Funny Money a worldwide, non-exclusive, royalty-free license to display it within the Service, including in feeds, leaderboards, and when announcing winners.
Creators' content. Shorts and public comments shown or scored by Funny Money remain the property of their owners on YouTube. By registering a channel, a creator grants Funny Money a non-exclusive license to display that channel's public Shorts and channel name/branding within the Service (e.g., in the monthly feed and the Featured Creators list) for as long as the channel is registered.
11. Third-Party Services
Funny Money relies on third-party services to operate, including Google/YouTube, Apple, Stripe, Railway, and Netlify. Your use of those services (e.g., making a payment through Stripe) is also governed by their own terms. We aren't responsible for outages or changes on their end. Funny Money isn't affiliated with or endorsed by YouTube or Google; YouTube is a trademark of Google LLC.
12. Disclaimers
The Service is provided "as is," without warranty of any kind. We don't guarantee that the Service will be uninterrupted or error-free, or that the Top Feed ranking or vote tallies will be free of mistakes. We don't guarantee any particular prize pool or creator bonus amount — both depend on actual subscriber counts and revenue, which vary.
13. Limitation of Liability & Termination
To the maximum extent permitted by law, Funny Money isn't liable for indirect, incidental, or consequential damages arising from your use of the Service. Our total liability for any claim is limited to the amount you paid us in the 3 months before the claim arose. We may suspend or terminate your account at any time for violating these Terms.
14. Changes to These Terms
We may update these Terms from time to time. Material changes will be reflected by updating the "Last updated" date above; continued use of the Service after a change means you accept the updated Terms.
15. Governing Law
These Terms are governed by the laws of the United States and the state in which Funny Money operates, without regard to conflict-of-law principles.
16. Contact
Questions about these Terms, or reports of objectionable content? Contact willwalton73@gmail.com.