CAUSFY TERMS OF SERVICE

1. Summary (non-binding)

Causfy is a global platform for crowdfunding and digital activism, designed to increase transparency and reduce the typical opacity of centralized systems. Causfy is built with a non-custodial (self-custody) approach: funds are assigned to destinations controlled by users, and the platform is not designed to custody user private keys.

Causfy may offer payment and withdrawal methods (including crypto and, where available, fiat rails) and additional tools such as metrics, team roles, and AI assistants, subject to regional availability, compliance, and providers.

In case of conflict between this summary and the full legal text, the legal text prevails.

2. Definitions

For purposes of these Terms:

• "Account": the registered profile on Causfy, typically associated with an email and/or authentication credentials (e.g., FIDO/passkeys) and, when applicable, wallet addresses.
• "User": any person or entity that accesses or uses the Services.
• "Visitor": User who browses without creating an Account.
• "Campaign", "Cause" or "Initiative": page or flow created on Causfy to raise funds, request support, collect signatures, or communicate actions.
• "Creator", "Organizer": User who creates and manages a Campaign.
• "Team": Users authorized by the Creator to manage a Campaign through roles/permissions.
• "Beneficiary": person or entity intended to receive funds or the main benefit of a Campaign (may be the same Creator or a third party).
• "Donor": User who makes a donation or economic contribution to a Campaign.
• "Contribution/Donation": transfer of value made through Causfy to a Campaign.
• "Funds": value associated with Contributions, expressed in the corresponding settlement unit or rail.
• "Wallet": address or digital asset account controlled by a User or by a programmable wallet provider under a non-custodial model, as applicable.
• "Settlement": mechanism by which Causfy normalizes/represents value in a stable unit (e.g., digital dollar) to facilitate interoperability between rails.
• "Payout": exit of Funds from Causfy to an external destination, subject to availability, verification, and compliance.
• "Verification": identity/business controls (KYC/KYB) required for certain functions (e.g., Payouts, "Verified" status, or fiat rails).
• "User Content": texts, images, videos, documents, links, updates, comments, evidence, files, and any content provided by Users.
• "AI Tools": functionalities based on automated models (e.g., Creator assistant or public Campaign assistant), which may process User Content to generate responses or suggestions.
• "Protection Programs": discretionary policies published by Causfy for Donors and Beneficiaries (see Section 12).

3. Documents incorporated by reference

These Terms incorporate by reference (and form part of the contract):

• Causfy Donation Protection Program
• Causfy Beneficiary Protection Program
• Privacy Policy & Cookies
• AI Policy
• Any policy or guide published on the site (e.g., content rules, community guidelines, Help Center guides) to the extent indicated as applicable.

In case of conflict:

• (a) If the conflict is between TOS and a Protection Program regarding the Program: the Program prevails for that specific matter.
• (b) Otherwise, these Terms prevail.

4. Eligibility and authorized use

You must:

• Have legal capacity to enter into contracts, or use Causfy through an authorized representative (if you are an entity).
• Provide truthful information and keep it updated.
• Comply with these Terms and applicable laws.

We may restrict access to Services in jurisdictions, regions, or for Users subject to sanctions, regulatory restrictions, or operational limitations.

5. Registration, access, and authentication

5.1 "Passwordless" registration

Causfy may allow registration and login using modern authentication methods (e.g., FIDO/passkeys) and/or email. Causfy is not designed to store traditional passwords if the authentication flow uses phishing-resistant credentials (e.g., passkeys).

5.2 Security responsibility

You are responsible for:

• protecting your devices, email, authenticators, and credentials;
• not sharing access;
• reporting suspicious activity.

Causfy may offer recovery mechanisms linked to User signals (e.g., email/device keys/PIN or other controls). We do not guarantee that recovery will be possible in all scenarios, especially if you lose control of your credentials or devices.

6. Roles, teams, and campaign administration

Causfy may allow a Creator to assign roles and permissions to a Team (e.g., editing, publishing, analytics, evidence management, etc.).

The Creator is responsible for:

• configuring permissions carefully.
• authorizing only trusted persons.
• any action taken by Team members on the Campaign.

7. Campaign creation and management

7.1 Content and structure

A Campaign may include economic goals, social support goals (e.g., signatures/adhesions), or both.

7.2 Edits, pauses, cancellations, and updates

Causfy may allow pausing, editing, canceling, and publishing updates. Some modifications may be limited by security, system integrity, or compliance.

7.3 Truthfulness and transparency

The Creator declares and warrants that:

• the information is truthful and not misleading;
• it does not omit relevant facts in a misleading manner;
• they own rights to the Content;
• the Campaign does not violate laws or policies.

8. Donations and contributions

8.1 Voluntary nature

Donations are voluntary. Except as provided in the Protection Programs, donations are generally considered final once processed, especially when there are irreversible transfers (e.g., certain crypto transactions).

8.2 Donor privacy options

Causfy may allow a Donor to choose public or private visibility of their contribution. Even so, certain technical traces (e.g., network records) may exist by nature of the rails used. Causfy does not publicly link identities to technical records unless the User does so or the law requires it.

8.3 "Zero commission" and tips

Causfy may operate with a zero commission model for Creators, with an option for voluntary tips from Contributors. Even so, there may be third-party fees (cards, banks, networks, conversion, gas, etc.) that we do not control.

9. Non-custodial architecture, fund control, and limitations

9.1 General principle: "Your wallet, your funds"

Causfy is designed so that Funds are assigned to destinations controlled by the User (Creator/Beneficiary), under a non-custodial approach. Causfy does not present itself as a custodian of User private keys.

9.2 Technical and operational limitations

Due to the nature of networks and external systems:

• Causfy does not guarantee reversibility of transfers;
• once Funds exit to a User/third-party controlled destination, recovery may not be possible.

9.3 Compliance and security controls

Causfy and/or its providers may apply controls to comply with regulations (e.g., sanctions, AML, fraud prevention). In certain cases, transactions may:

• be blocked, rejected, or delayed.
• require additional reviews.
• be isolated or subject to compliance procedures in accordance with legal and provider obligations.

These controls do not imply that Causfy is a custodian of your private keys.

10. Settlement, payment rails, and stable currency

Causfy may use a stable unit as a settlement layer (e.g., "digital dollar" or stable asset) to normalize value between different rails (crypto and, where available, fiat).

This seeks to improve:

• value stability in settlement.
• interoperability between entry/exit methods.
• accounting and experience consistency.

The availability of specific methods depends on country, sanctions, regulations, providers, and technical compatibility.

10.1 Regional availability and changes

Functions related to payment rails, conversion, supported currencies, and entry or exit methods may vary by country or region. Availability depends on factors such as local regulations, sanctions, legal restrictions, compliance requirements, technical limitations, and provider availability. Causfy does not guarantee that a specific method will be continuously available in all jurisdictions.

Causfy may enable, limit, or discontinue methods, rails, or currencies at any time for operational, technical, security, or compliance reasons. Availability pages, country listings, or similar references are provided for informational purposes and may change.

11. Payouts, destination accounts, and ownership

11.1 Verification requirement for payouts

Causfy may allow a User to create a Campaign and operate with minimal friction; however, to withdraw Funds or access certain capabilities (e.g., "Verified" status), Causfy may require Verification (KYC/KYB).

11.2 Permitted destinations

A User may, depending on availability:

• withdraw to a wallet (crypto), or
• withdraw to a bank account (fiat), including international transfers (e.g., SEPA/SWIFT/ACH) when enabled by providers.

11.3 Payout to third parties (Beneficiary different from Creator)

Causfy may allow the Creator to configure a payout destination in the name of the Beneficiary or third party, subject to:

• reasonable ownership validations;
• compliance;
• and security policies.

The User is responsible for providing correct information. Causfy may reject destinations it cannot validate or that pose a risk.

11.4 Regional availability

Not all countries support all payout methods. "Countries/Availability" pages are informative and may change.

12. Protection Programs

Causfy may offer discretionary Protection Programs:

• Donation Protection Program
• Beneficiary Protection Program

These Programs:

• are evaluated case by case;
• apply to individual claims;
• have a 12-month window (according to the Program);
• and apply no double recovery rules (e.g., if there is a chargeback/dispute or refund through another channel, it may be ineligible).

Important: "Protected" does not mean "Guaranteed". Causfy does not offer insurance or an absolute guarantee.

13. Disputes, chargebacks, and no double recovery

If a Donor initiates a dispute/chargeback with their bank or provider:

• Causfy may, when appropriate, cooperate with providers and dispute chargebacks based on authorization records;
• a donation subject to chargeback/dispute may be ineligible for refund under Protection Programs;
• the User cannot obtain double compensation for the same donation.

14. Right of recovery (refund to Causfy) and offset

14.1 Right of recovery

If Causfy makes a refund or compensation under a Protection Program due to fraud, impersonation, material misrepresentation, or breach attributable to the Organizer/Beneficiary, then the responsible Organizer/Beneficiary must reimburse Causfy the corresponding amount, to the extent permitted by law.

14.2 Offset

To the extent permitted by law, Causfy may offset amounts owed against benefits or future flows associated with the Account, and/or restrict functionalities until regularization.

15. User Content (UGC): ownership, license, and responsibilities

15.1 Your content

You retain ownership of your User Content.

But you grant Causfy a worldwide, non-exclusive, transferable (to necessary providers), sublicensable, royalty-free license to host, reproduce, process, adapt (e.g., format), display, and distribute such content solely to operate and improve the Services, including moderation and security.

15.2 User warranties

You declare that:

• you have rights to the content.
• it does not infringe third-party rights.
• it is not misleading or illegal.

15.3 Content removal

Causfy may allow content deletion; however, technical copies or records may persist for a reasonable time for security, audit, or compliance reasons.

15.4 Copyright Notice (DMCA) and infringement reports

Causfy respects the intellectual property rights of third parties and expects Users to do the same. If you believe that User Content available on the Services infringes your copyright, you may send a takedown notice in accordance with the Digital Millennium Copyright Act ("DMCA").

The notice must include, at minimum:

• Identification of the copyrighted work you claim has been infringed, or a representative list if it involves multiple works.
• Identification of the allegedly infringing material, with sufficient information to locate it on the Services, including links or URLs when possible.
• Your name, address, phone number, and email address.
• A good faith statement indicating that you believe the use of the material is not authorized by the copyright owner, its agent, or the law.
• A statement, under penalty of perjury, that the information included in the notice is accurate and that you are the copyright owner or are authorized to act on their behalf.
• Your physical or electronic signature.

Notices must be sent to our legal department contact channels contemplated in this TOS: legal@causfy.com.

16. AI Tools (assistants) and "Knowledge Files"

16.1 Two typical uses

Causfy may offer:

• Creator Assistant (dashboard): operational help, suggestions, feature usage.
• Campaign Assistant (public): answers questions from visitors/donors using information provided by the Creator.

16.2 File processing

"Knowledge Files" may include documents, images, text, or other formats. Causfy may technically transform them (e.g., indexing/vector representations) to enable searches and responses.

16.3 Responsibility and limitations

AI may be inaccurate. It does not constitute medical/legal/financial advice.

The Creator is responsible for what they publish and what they provide to the assistant.

If an assistant has no loaded information, it may not appear or may be limited.

17. Metrics, pixels, and third-party tracking by Creators

Causfy may offer fields for Creators to integrate pixels or analytics/ads tools (e.g., third-party tags) within their Campaign.

Causfy does not "sell" User data as a business model simply by providing this field.

The Creator is responsible for complying with applicable privacy and consent laws (e.g., notices, banners, permissions), and for the legality of the tools they integrate.

Causfy may apply restrictions or reject integrations that are abusive, illegal, or insecure.

18. Prohibited conduct and disallowed campaigns

You may not use Causfy for:

• fraud, scams, material misrepresentation;
• hate speech, defamation, harassment, bullying, doxing;
• promotion of illegalities;
• sexual exploitation, illegal sexual content, or abuse;
• dangerous medical misinformation;
• identity impersonation;
• purely deceptive commercial purposes;
• graphic violence, threats;
• spam or irrelevant content;
• copyright infringement;
• sale of weapons or ammunition;
• promotion of self-harm;
• improper interference in judicial processes;
• restricted electoral content (when applicable);
• fundraising to evade sanctions or legal restrictions.

Causfy may update this list and apply reasonable security criteria.

19. Moderation, enforcement, and suspension

Causfy may, at its discretion:

• review campaigns;
• remove, limit, unpublish content;
• restrict functions (including payouts);
• suspend or close accounts;
• request additional verifications;
• cooperate with authorities when required.

Lack of reasonable cooperation with security/trust requests may result in measures.

20. Third-party providers

Causfy may depend on providers for payments, verification, infrastructure, analytics, and security. We do not control all of their services.

When you use third-party rails, their terms may also apply.

21. Warranty disclaimer

The Services are provided "as is" and "as available". To the extent permitted by law, Causfy makes no express or implied warranties, including warranties of merchantability, fitness, non-infringement, or continuous availability.

22. Limitation of liability

To the extent permitted by law, Causfy shall not be liable for:

• indirect, incidental, special, or consequential losses;
• loss of data, reputation, profits;
• failures of blockchain networks, banks, or processors;
• unauthorized access caused by User negligence;
• inability to recover funds already transferred to self-custodied wallets.

Causfy's total liability, if any, shall be limited to the maximum permitted by law and, when applicable, to amounts paid directly to Causfy (excluding donations intended for campaigns), except for mandatory legal provisions to the contrary.

23. Indemnification

You agree to indemnify and hold harmless Tokelia/Causfy from claims arising from:

• your User Content;
• campaigns created by you;
• breach of these Terms;
• violation of laws or third-party rights.