Terms of Service

By accessing or using MicroGive, you confirm that you are at least 18 years old, have the legal capacity to enter into a binding agreement, and agree to these Terms and our Privacy Policy.

MicroGive is a B2B2C micro-donation platform that allows individuals ("Donors") to automatically donate a percentage of their everyday purchases to charitable organizations ("Organizations") by linking their bank accounts through Plaid. Donation disbursements are processed through Stripe Connect.

• You must be at least 18 years of age
• You must be a resident of the United States
• You must have a valid U.S. bank account to use donation features
• Organizations must have a valid EIN and be in good standing

We reserve the right to refuse service to anyone for any reason at any time.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use. We are not liable for losses arising from unauthorized account access due to your failure to safeguard your credentials.

Bank Account Linking

By connecting a bank account, you authorize MicroGive to access your transaction history through Plaid solely for the purpose of calculating micro-donations based on your configured donation settings. You may disconnect your bank account at any time from your account settings.

Donation Authorization

By enabling automatic donations, you authorize MicroGive to calculate donation amounts based on your transaction activity and process those donations to your selected organization(s) on a periodic basis. You may pause, adjust, or cancel donations at any time. Donations already processed cannot be reversed.

Donation Amounts

Donation amounts are calculated based on the percentage rate you configure applied to eligible transactions. MicroGive charges a platform fee on processed donations, which will be disclosed to you prior to processing.

Eligibility and Verification

Organizations must provide a valid EIN and complete our verification process before receiving donations. MicroGive reserves the right to decline or remove any organization at its discretion.

Stripe Connect

Organizations must complete Stripe's Connected Account onboarding to receive payouts. By doing so, you also agree to Stripe's Connected Account Agreement. MicroGive is not responsible for delays or failures in Stripe payouts.

Donor Data

Organizations may view aggregated donation totals and donor counts. Organizations do not receive individual donor transaction history, bank information, or personal financial data.

MicroGive charges a platform fee on donations processed through the Service. The current fee schedule is disclosed in your account settings and may be updated with 30 days' notice. Stripe's standard payment processing fees also apply and are separate from MicroGive's platform fee.

Transactional Communications

By creating an account, you consent to receive transactional emails related to your account, donations, and platform updates.

Marketing and SMS

With your opt-in consent, we or the organizations you support may send you email marketing and infrequent SMS messages. Message and data rates may apply. You may withdraw consent at any time by replying STOP to any SMS or using the unsubscribe link in emails.

You agree not to:

• Use the Service for any unlawful purpose or in violation of any regulation
• Provide false information during registration or verification
• Attempt to gain unauthorized access to any part of the Service
• Interfere with or disrupt the integrity or performance of the Service
• Use the Service to launder money or engage in fraudulent activity
• Reverse engineer or attempt to extract source code from the Service

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, and software, are owned by MicroGive and protected by applicable intellectual property laws. You may not copy, modify, or distribute any part of the Service without our written permission.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. ALMSCHANGE DOES NOT GUARANTEE THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

ALMSCHANGE IS NOT A BANK, FINANCIAL ADVISOR, OR CHARITABLE ORGANIZATION. WE FACILITATE DONATIONS BUT DO NOT GUARANTEE TAX DEDUCTIBILITY. CONSULT A TAX PROFESSIONAL REGARDING THE DEDUCTIBILITY OF YOUR DONATIONS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALMSCHANGE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO ALMSCHANGE IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) $100.

You agree to indemnify, defend, and hold harmless MicroGive and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights.

We may suspend or terminate your account at any time for violation of these Terms or for any other reason at our discretion, with or without notice. You may delete your account at any time from your account settings. Upon termination, your right to use the Service ceases immediately. Data retention obligations survive termination as described in our Privacy Policy.

We may update these Terms from time to time. We will notify you of material changes via email or a notice on the platform at least 14 days before the changes take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

These Terms are governed by the laws of the State of Texas, United States, without regard to conflict-of-law principles. Any dispute arising under these Terms shall be resolved in the state or federal courts located in Texas, and you consent to personal jurisdiction in those courts.

Questions about these Terms?

[COMPANY LEGAL NAME]
Email: [privacy@yourdomain.com]