Are you ready to take control of your sub’s finances and manage their monthly budget?
Or do you plan on running significant drains to be paid off in installments?
Either way, you’ll need to set up a findom debt contract to keep your tributes rolling in passively.
(With interest, of course 💅)
These contracts are also handing for more thorough financial control – where your sub hands over the reigns to his income and you agree upon his allowance.
In this guide, I’ll explain everything you need to know about findom debt contracts. Plus, I’ll even include my personal findom contract for you to use as a template.
So let’s dive in!
What is a Findom Debt Contract?
A findom debt contract is a written agreement for a Dom to assert their power over the sub’s finances, while reinforcing the power dynamic in their relationship.
The terms and rules of the debt are established by the Dom and set out in the contract. It’s not legally enforceable, but it’s a popular method of reclaiming debts incurred from findom games and drain sessions.
Although nothing is set in stone in findom, debt contracts are one way that Doms and subs can establish an understanding they can both stick to over time.
What to Include in a Findom Debt Contract
When you’re writing a findom debt contract, there are a few key steps you’ll want to follow.
First, figure out the amount you’d like your sub to owe you and any interest rate or payment schedule you’d like to set up. Be sure to outline any penalties for missed payments, too.
You may even want to consider including rewards for early full payment of the debt!
Then, gather some essential information from your sub, such as their legal name, where they’re from, their relationship status, and their job and salary.
The implications of you having this private information will provide a thrill for your client, worried/exicted about the consequences if they don’t pay up.
(Note: Do not ever imply that you will blackmail your sub. This could land you in serious legal trouble).
Use this as an opportunity to discover your sub’s financial situation – so you get a sense of the appropriate amount you can sustainably (and ethically) demand from your client.
Your findom contract can be either long or short term – I tend to pick 6 months as I can always demand an early renegotiation if I feel like it.
How Much Should You Charge for a Findom Contract?
In my experience, it’s important to charge a fee for your contract upfront. You can call it an application fee or legal fees, and I recommended to charge at least $50 or more.
Contracts can serve as a session for many of your followers, turning them on as they fill them out and read them. Not all of them have a genuine desire to pay and are just stringing you along. That’s why it’s essential to ensure that they are committed to financially supporting you early on.
It doesn’t have to be a large sum, but it shows that they are willing to commit to the agreement.
Remember that each fan/subscriber will approach the contract differently, but you should always be compensated for your time and the experience you offer.
Is a Findom Debt Contract Legally Binding?
Findom debt contracts are typically not legally binding unless the dom is running a registered business and sends an official invoice for measurable services.
In the USA, for the contract to be legal, both parties must receive something of value, such as time, pictures, videos, or other agreed-upon services. If the submissive fails to pay, they could be reported to a credit bureau, but challenging it could result in legal fees.
It’s super important to check the specific legalities of your area before you rely on a findom contract as anything more than a kink toy.
Depending on the location and legal context of sex work, findom could be seen as extortion, solicitation, or blackmail.
It’s important to remember that for many guys, when dynamics change and a findom relationship ends, any “debt” that was incurred may not be respected. For them, it was simply part of a game.
What type of Sub is a Findom Contract Good For?
To find the right candidates for a findom contract, it’s best to limit your debt contracts to trusted subs rather than trying to bring in a newbie.
Be wary of subs who talk a big game about debt but are slow to follow through with payment. These types of subs may just be looking to waste your time.
Keep in mind that subs often bring up debt when they’re feeling aroused, but may not actually want to follow through with it in real life.
It’s important to note that for many subs, the idea of debt is just a fantasy, and not something they actually want to commit to.
My Findom Debt Contract Template (Free to Use)
Here’s an example of a Findom contract you can use. Feel free to make any tweaks that you need to to get the most out of your sub.
I choose to make my contracts very detailed and relatively so they feel more official. The theatre of having a contract that feels like it has been drawn up by a lawyer can really add to the feeling of control and powerlessness.
I’ve even had subs of mine mentioned that they’ve masturbated to the contract – which shows you what sort of power it can hold.
This Financial Domination Contract Agreement (“Agreement”) is entered into on [Insert date] between [Insert your name], hereinafter referred to as “Goddess,” and [Insert sub/slave’s name], hereinafter referred to as “submissive” or “Slave,” to establish the terms and conditions of a financial domination relationship.
Term: The submissive’s tenure will continue for a period of [Insert number of months] months, beginning on [Insert date]. The submissive agrees to be financially dominated by Goddess for the entire duration of the term.
Payment: Slave shall make weekly payments to Goddess in the amount of [AMOUNT] via [PAYMENT METHOD] each [Insert day/date]. The payment schedule will be determined by Goddess. Slave will make an interim payment of [Insert $$ Amount] on the start date via PayPal email address [Insert email address].
Debt: Slave shall incur a debt to Goddess for any additional amounts owed or penalties for late or missed payments. The debt shall be subject to a [INTEREST RATE]% interest charge. In the event of non-payment or late payment, Slave shall pay a penalty of [PENALTY AMOUNT].
Rewards: Goddess may reward Slave for good behavior, timely payments, or other reasons at her sole discretion. Rewards may include photos, videos, audio recordings, or other items agreed upon by both parties.
Purpose: The submissive understands that their true purpose in life is to serve Goddess as her Financial slave. The financial amount of the enslavement will be at her leisure and demand.
Communication: The submissive will answer any questions put to them honestly and directly, and will give any information that Goddess should know about their financial position. The submissive will greet Goddess daily via e-mail, text, or call, even if it is only to say hello. The submissive will ask permission before making a call and should Goddess request a call, the submissive will do everything within their power to do so or accept a financial penalty.
Personal Information: The submissive agrees to provide the following personal information to be used for the purpose of financial blackmail and humiliation should they attempt to renege on any part of this financial slavery contract:
- Legal name
- Country & City/State
- Marital/relationship status
- Monthly salary
- Bills and expenses itemized
- Any financial information Goddess should be aware of
Modification: Goddess retains the legal right to modify this findom contract and the numbers therein at any point in time.
Termination: Either party may terminate this Agreement at any time upon written notice to the other party. If Slave terminates the Agreement before the end of the term, they will have to pay a “buy out” of $XXXX.xx to be released.
Confidentiality: Slave agrees to keep all aspects of this Agreement confidential and not to disclose any information about this Agreement, the financial relationship, or Goddess’s personal information.
By signing below, both parties acknowledge that they have read, understood, and agreed to the terms and conditions of this Agreement.
Signed [Insert your name – Goddess]
Signed [Insert sub/slave’s name] Adult Girl Boss Findom Contract Template