How we get paid, what we promise, how your chat team works and what happens if you leave. If an agency won't show you this before a call, ask why.
Many agencies quote a cut without saying what it's taken from. Ours is 30% of your net. Drag the rate to compare it with other offers you've had.
The questions every creator should ask before signing, and how we answer them.
| Question | XO Growth | Typical agency |
|---|---|---|
| Who gets paid first? | You. Payouts go to your own account. | Often the agency collects and pays you later |
| Upfront costs | $0. Commission only. | Setup fees, deposits or a monthly retainer |
| Commission basis | 30% of your net, published right here | Hidden until the call, often 40 to 60% |
| Contract length | Month-to-month, 30 days' notice | 3 to 12 months, with exit fines |
| Who owns the account? | You. Logins, content and fans stay yours. | Agency-held logins and accounts |
| Can you meet them? | Yes, in person in Alberta and BC | DMs and calls only |
| Your look and brand | Styling from a stylist with 20+ years' experience | "Post more" and a content calendar |
| Life beyond the page | Concierge: website builds, content trips, travel safety, trusted pros | Not offered |
| Commission after you leave | None. Our cut stops on your last day. | Some keep taking a cut for months |
| Reporting | Written report every Monday, checkable against your own dashboard | Screenshots when you ask |
| Proof | Real numbers shown on a call, never staged | Screenshots and "top 0.1%" claims |
"Typical agency" describes patterns creators report across the industry, not any one agency.
Two minutes. Tell us where you are, what you want and what's off-limits.
Day 1Coffee in Alberta or BC, or a video call. We audit your page and show you the plan, with no pressure.
Within 48 hrsAgreement signed, persona guide and look approved, privacy locked down, chat team trained.
Week 1Daily promotion, 24/7 chatting and a Monday report. We keep testing and tweaking every month.
OngoingAsk any agency these five things: who you're signing with, what the rate is and whether it's on gross or net (ours is 30% of net), how long you're locked in, who keeps the account if you leave, and whether you can meet them. We answer all five in writing, and we'll meet you in person if you're in Alberta or BC.
Full management is 30% of your net earnings, which means after the platform's 20% fee. Chatting only is 20% of net. Founding creators pay 25% for their first 3 months. There are no upfront, setup or monthly fees for management, and your rate is written into your agreement before you start. Optional add-ons, like a website build or a content trip, are quoted in writing and always your choice.
You. Platforms pay out to the account holder in your legal name. We invoice our share afterwards, so we never hold your money.
Yes. No following and no page is fine. A blank slate lets us set up your persona, look, privacy and pricing properly from day one.
Yes. We hold in-person strategy sessions across Alberta and BC, including Calgary, Edmonton, Red Deer, Northern Alberta, Vancouver and Kelowna. We always meet in a public place, and you're welcome to bring a friend. Everywhere else, we meet by video.
A look consult with Kay is included with full management: your signature look, glam for camera, wardrobe and set direction. Hands-on hair and glam on shoot days is optional, available in Alberta and BC, and always quoted upfront.
Yes. Website builds start from $750 CAD: a brand site on your own domain, plus your own fan site if you want one. Content trips are quoted per trip, with travel safety included: a private itinerary, daily check-ins, a privacy scan and vetted security on request. Every add-on is optional and quoted in writing. You own your domain, accounts and payouts, and trips are for content only. We never arrange meetings with fans.
A small, trained team that follows your persona guide, learns how you write and never crosses the limits you set. Real people send every message, and you can read any conversation at any time. Our full chat policy is published above, including the option to tell fans that a team helps you reply.
No. Faceless and anonymous creators can do very well. Kay will help you build a signature look fans recognise without your face, and we'll build the strategy around what you're comfortable with.
Everyone on your account signs an NDA. We help you set up a stage name, separate socials and geo-blocking, monitor for leaks and file DMCA takedowns. We never share your identity.
No. Our commission stops on your last day. You owe nothing on anything you earn afterwards.
We never ask for your password, and your two-factor code stays on your phone. Our team works through a secure CRM session that you sign into yourself, and you can end it at any time.
Anytime. It's month-to-month with 30 days' notice and no exit fees. We remove our access and hand everything back cleanly.
Generally yes. Creator income is usually self-employment income, and once your taxable sales pass $30,000 in a year you may need to register for GST/HST. We're not accountants, but we'll explain the basics and connect you with one who works with creators.
OnlyFans first, plus Fansly and Fanvue. We grow your traffic on TikTok, Instagram, X, Reddit and Threads.
Creators aged 18 or older with valid government ID, in any niche and of any gender. We verify every creator, without exception.
Two minutes to apply. We'll reply within 24 hours, and everything you share stays confidential.