"Effective 1 October, 2021, OnlyFans will prohibit the posting of any content containing sexually-explicit conduct," said OnlyFans in an email shared with MTL Blog. "To ensure the long-term sustainability of the platform, and to continue to host an inclusive community of creators and fans, we must evolve our content guidelines."
Nude content will still be allowed, it said, as long it's in line with the company's Acceptable Use Policy.
While cooking, fitness, self-care and more exist on OnlyFans, the platform is best known for its sexual content, with fans paying sex workers a monthly fee to access their content.
OnlyFans has not yet specified what "sexually explicit conduct" entails, so it's still not entirely clear what these changes mean for content creators. The emailed statement said the company would be sharing more details in the coming days.
Meanwhile, sex workers like Boudreau are bracing themselves for what comes next.
How do you feel about the news that OnlyFans will no longer allow 'sexually explicit' content?
"When I heard the news, I was a bit confused and worried. But I knew I would find an alternative if OnlyFans closed down permanently or we couldn't post explicit images. I'm lucky enough to have saved a lot of money and have several other income streams, such as the MYM platform or webcamming with Jerkmate," Boudreau said.
"[But] it's for sure that OnlyFans is my main source of income so it's a very stressful situation."
How will this change impact your career?
Boudreau said if OnlyFans is no longer an option, she's considering creating her own website where people could pay to access videos and photos she's posted using a credit card and PayPal system.
"Otherwise, Brazzers contacted me yesterday and [asked if] I might have thought of going for 'traditional' porn. But I have to admit that with OnlyFans, I'm fine like this," she said.
What are your plans now? Do you think you will move to a different platform?
For the moment, Boudreau said she has no plans to change platforms "because they [haven't confirmed] clearly that they will remove nudity and porn videos/photos."
Whatever happens next, Boudreau said she'll be prepared.
"I am a woman who loves challenges and can cope with any change of situation that life brings me! I think my bachelor's degree prepared me very well for challenges. I don't think that after four years of university there is anything that scares me more than school," she said.
This interview has been condensed and edited for clarity.
Then the pandemic hit, ushering in a punishing and turbulent time for the restaurant industry and its workers, so Payette decided to change careers.
Luckily, she had other passions.
"I always did modelling as a side job and for fun," she said. "I love working with photographers, stylists, content creators and artists. They are so inspiring and the model/fashion industry is opening up and becoming more about diversity, different body images, types, and styles."
In February 2020 she launched an OnlyFans page and, today, the 23-year-old is a top earner on the site.
Payette is hardly alone. OnlyFans — a platform where subscribers pay creators a monthly fee to access their content — has exploded in popularity during the pandemic. As of December 2020, the platform was said to have had more than 1 million content creators, up from just 60,000 in 2019.
"People are attracted to this platform for many reasons," she said. "Looking for a community, sharing, companionship or any social interactions that are no longer allowed or possible (due to the pandemic). It’s a modern way of entertaining through which you can build and share your content."
MTL Blog caught up with Payette to ask her what it’s like to be on OnlyFans in the time of COVID-19.
This interview has been condensed and edited for clarity.
How did Payette become a top OnlyFans model?
Payette’s profile boasts that she’s within the top 0.29% of content creators on OnlyFans.
"The earnings you make will vary depending on the content you produce [and] the hours and dedication you invest," she said.
She already had around 13,000 followers on Instagram before joining OnlyFans, which was an advantage and helped attract subscribers, she added.
"Also, I have a beautiful/natural pair of boobs that you won’t forget, and blue eyes. Thank you, mama," she continued.
But body type is not the only determination of a model’s success on OnlyFans, said Payette.
"You’d be surprised about the community’s diversity," she said. "It’s so refreshing and inspiring. Everybody respects and encourages each other, there’s room and place for any type."
To prospective OnlyFans models, she said, "I think the most important advice I could give is to respect yourself by setting your own limits and not the ones society created for women or men, as long as you are creating something you love and you are happy with. Respect yourself, be passionate and confident."
What's drawing people to OnlyFans?
Many people have turned to OnlyFans to support themselves during the pandemic, she said.
"I do think a lot more people, women and men, are using this platform to create but also earn on a monthly basis," she said.
She also figures that people stuck at home have been making and consuming much more adult content than usual.
"I think with the travel ban and all the restrictions, a little dreaming or escape thanks to a platform is something we need right now," she said.
What are the best/worst parts of the job?
Payette said she enjoys her work. "The art and the visual is very exciting for me."
"At the end of the day, I can work from anywhere at any time I please," she said. "This freedom can also be found in the women’s, or men’s, bodies. It’s so liberating to explore and break the gender stereotypes."
The work also has its share of challenges, she said, like the time her account was hacked and held for ransom.
"I once was hacked and was a victim of a blackmail," she said.
"Someone had stolen my accounts, changed all my passwords. It was very frustrating knowing a stranger could access and damage all the hard work I’ve put together."
"At the end of the day, the platform provides you with a good security plan and options, so they assisted and helped me through this tough process."
What does Boudreau have to say about her OnlyFans?
"I pay 20% to OnlyFans because they do the management, but this year I'm definitely going to make seven figures," said Boudreau on Tout le monde en parle.
Her notorious graduation photo and subsequent media coverage have allowed her to triple her social media audience, she added.
"I made an OnlyFans [...] because I feel good about my body and I like it. [...] I'm going to continue to do my art and then I'm going to incorporate my art into my website because, in pornographic content, there's art," she said on the show.
What happened between Boudreau and UQAM?
Boudreau explained on Tout le monde en parle that, in addition to the graduation photo, she had posted another image of herself with her backside partially exposed in front of the school's logo. She also raised her middle finger in the photo.
The university later filed a lawsuit against the student seeking $125,000 for damages, according to a report from La Presse.
"UQAM had no choice but to go to court because, despite three formal requests to the student, she continued to associate the university's name and logo with her intimate photos, and to market some of them to promote paid access to her website," the university stated in its announcement.
UQAM added the photos were "damaging the institution's image and reputation as well as its official brand."
The university "[waived] all claims for damages and punitive damages against the student" and Boudreau, in return, agreed not to repost the photos or "any other photo of the same nature that would use the name, logo or any direct or indirect reference to the Université du Québec à Montréal."
It's February! Meaning that if you're a Quebec resident in Canada, tax season 2021 is right around the corner. Why not get a head start during the province's lockdown and curfew period? It's not like you have anything better to do.
MTL Blog spoke with H&R Block Senior Tax Specialist Josée Cabral to get the 411 on doing your taxes as a Quebecer. Remember that you're always doing taxes for the previous year so the taxes you do in 2021 will cover your 2020 — as much as we wish we could pretend 2020 never happened.
When is the tax deadline and has it been extended?
The deadline to file and pay your taxes in 2021 is April 30. No extension!
If you're self-employed, you have a bit more time to file your tax return — until June 15. But either way, all taxes owed must be paid by April 30, 2021.
Cabral suggests getting a head start by gathering your expense receipts and all the necessary forms as early as February.
"Get ahead of yourself. Be organized. Don't forget to claim the things that people usually forget to claim, [such as] medical receipts because there's a possibility of getting a tax credit on that," Cabral says.
The deadline to contribute to your RRSP (Registered retirement savings plan) is March 1, 2021.
Filing your taxes early allows you to estimate how much you can invest in your retirement based on how much you're getting as a tax refund or how much you have to pay the government.
Do taxes in Quebec work differently than in other Canadian provinces?
Yes. According to Cabral, filing taxes in Quebec is slightly more complicated because Quebec residents file separate provincial and federal tax returns to Revenu Québec and the Canada Revenue Agency, respectively.
Other provinces only file to one government.
How do newcomers to Quebec and Canada do their taxes? Where do they begin?
First and foremost, they need to get a social insurance number from Service Canada which they will use to file their taxes.
If new immigrants have income from their home countries, they'll have to declare it on their Canadian income tax.
Canada has several tax treaties with different countries around the world, so while new immigrants will not be taxed twice if their country of origin has a treaty with Canada, they still have to declare their income when filing their first tax return in Canada.
If the newcomers are also first-time homebuyers in Quebec, they are eligible for a $5,000 tax credit, which comes to about $620 on the federal side and $750 on the provincial side, according to Cabral.
Which tax benefits are available for working from home during COVID-19?
Cabral says there is a special tax deduction for workers who were forced to work from home due to COVID-19 in 2020.
If your office closed down, your occupation was deemed "non-essential" or you were sent to work from home for any reason, you are eligible for tax credits at both the federal and provincial levels.
There are two possible methods.
A flat rate: $2 per day for up to 200 days, for a total of $400 maximum (no additional deductions available);
The detail method: A T2200S form and TP-64.3.V form are filled out by your employer stating you were sent home to work — and that none of your at-home work expenses were paid by your employer.
The time period you were required to work from home should also be specified by your employer on the forms.
What expenses can I claim due to working from home?
For the "Detail Method," Cabral says you can claim almost anything that was necessary to complete your work at home — from office supplies, such as envelopes, folders and pens, to a portion of your rent.
But you can only claim these things if your employer didn't already pay you back for them.
All expenses claimed are time-based, so it's important to remember that you can only claim a portion of your rent, hydro bill, cell phone bill and Internet bill for the amount of time you spent working from home.
Cabral suggests being reasonable and conservative in your calculations for work expenses.
As an example, if you rent a four-room apartment and you use oneroomas anoffice, you can only claim 25% of your rent as an expense because one-fourth of your home is dedicated to work. And you can only claim it for the time you spend working from home.
How do I provide proof of my work-from-home related expenses?
Credit card statements are not valid when providing proof of expenses to the government — so make sure to keep those receipts! Photocopies of receipts are acceptable.
Cabral says it's important to keep all your receipts for work expenses, especially for one-time purchases like printer ink, pencils or other office supplies.*
Keeping your receipts allows you to easily calculate the work expenses you've accumulated while working from home, and keep track of the dates of your purchases.
The government can verify your taxes for up to six years after filing, Cabral says, so you'll want to keep receipts for six years or longer.
How do I incorporate the Canada Emergency Response Benefit?
The Canada Emergency Response Benefit has saved the butts of many Canadians who struggled financially throughout the pandemic. To date, over eight million Canadians have applied.
If you received the CERB, it counts as taxable income — so, yes, you do need to pay taxes on your CERB money.
Cabral recommends putting aside approximately 20% of what you received through CERB for tax payments.
How do I declare income from gig economy jobs, such as Uber and DoorDash?
If you've worked multiple gigs this year, you're not alone — according to H&R Block data, one-quarter of Canada’s gig economy workforce joined in 2020.*
No matter the company you work for, you should receive a tax slip from your employer.
Gig workers are considered "self-employed," which means you are able to declare work expenses, such as gas, new tires, parking fees and cell phone bills.
It's important to note that once you've made over $30,000 of income from gig work, you must register to pay GST and QST, which are federal and provincial goods and services taxes.
The $30,000 rule applies to most freelance gigs, but not to Uber drivers, whose contracts require them to be registered for GST and QST from day one, Cabral explains.
How do I declare income from OnlyFans?
If you've made a fortune selling images of your photogenic feet online, you still have to declare it as income, says Cabral.
However, keep in mind that OnlyFans is a company based in the U.S., so your funds are considered foreign income.
According to Cabral, if you work with OnlyFans, the U.S. withholds 30% of your income for tax purposes.
When filing your personal income tax in Canada, put OnlyFans in the "foreign income" section. You should also state the amount of your income that was withheld for taxes — the company should supply this information through a tax form.
Don't forget this step so you can avoid being taxed twice for the income that was withheld.
Cabral says additional taxes may be applicable for large sums.