Terms of Service

Last Updated: September 26, 2025

These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("User," "you," or "your") and Gasobu Technologies ("Company," "we," "us," or "our"), the operator of the Bankroll mobile application and platform ("Service," "Platform," or "App"). By accessing, downloading, installing, or using the Bankroll application in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations.

1.2 Acceptance Methods

Your acceptance of these Terms may be demonstrated through any of the following actions:

Creating an account on the Platform
Downloading or installing the mobile application
Accessing any features or content within the Service
Making any financial transactions through the Platform
Participating in any fundraising campaigns or community activities

1.3 Legal Capacity

By using our Service, you represent and warrant that:

You are at least 18 years of age or have reached the age of majority in your jurisdiction
You have the legal capacity to enter into binding agreements
You are not prohibited from using the Service under applicable laws
All information you provide is accurate, current, and complete

1.4 Corporate Users

If you are using the Service on behalf of a company, organization, or other legal entity, you represent and warrant that you have the authority to bind such entity to these Terms, and "you" refers to both you as an individual and the entity you represent.

2. Service Description

2.1 Platform Overview

Bankroll is a comprehensive fundraising platform that enables users to create, manage, and participate in fundraising campaigns for various purposes including but not limited to:

Personal emergencies and medical expenses
Educational funding and scholarships
Community projects and charitable causes
Event planning and organization
Creative projects and entrepreneurial ventures
Religious and faith-based initiatives
Family and memorial funds

2.2 Core Features

The Platform provides the following primary features:

Campaign Creation and Management: Tools to create, customize, and manage fundraising campaigns
Donation Processing: Secure payment processing for pledges and donations
Social Sharing: Integration with social media and communication platforms
Community Features: User communities for collaboration and support
Contact Integration: Access to device contacts for campaign promotion
Analytics and Reporting: Campaign performance tracking and donor management
Mobile Optimization: Full-featured mobile application experience

2.3 Geographic Availability

The Service is currently available in select jurisdictions. We reserve the right to limit availability based on legal, regulatory, or business considerations. Users are responsible for ensuring their use of the Service complies with local laws and regulations.

2.4 Service Evolution

We continuously improve and evolve our Service. We may add, modify, suspend, or discontinue features at our discretion, with or without notice, except as required by law. We are not liable for any modifications to the Service that may affect your use or campaign performance.

3. User Accounts and Registration

3.1 Account Creation Requirements

To access certain features of the Service, you must create an account by providing:

Valid email address
Phone number for verification
Legal name as it appears on government-issued identification
Secure password meeting our security requirements
Acceptance of these Terms and our Privacy Policy

3.2 Account Verification

We may require additional verification information including:

Government-issued photo identification
Proof of address documentation
Bank account or payment method verification
Social security number or tax identification number
Additional documentation for high-value campaigns or transactions

3.3 Account Security

You are solely responsible for:

Maintaining the confidentiality of your account credentials
All activities that occur under your account
Immediately notifying us of any unauthorized use or security breaches
Using strong, unique passwords and enabling available security features
Keeping your contact information current and accurate

3.4 Account Termination

We reserve the right to suspend, restrict, or terminate your account at any time for:

Violation of these Terms or our policies
Fraudulent, illegal, or harmful activities
Providing false or misleading information
Failure to complete required verification processes
Extended periods of inactivity
Technical or security concerns

4. Fundraising Campaigns

4.1 Campaign Creation Standards

When creating fundraising campaigns, you must:

Provide accurate, truthful, and complete information about the campaign purpose
Use appropriate, family-friendly language and imagery
Clearly state the fundraising goal and intended use of funds
Comply with all applicable laws and regulations
Respect intellectual property rights of third parties
Maintain appropriate documentation to support campaign claims

4.2 Prohibited Campaign Types

You may not create campaigns for:

Illegal activities or purposes prohibited by law
Hate speech, discrimination, or harassment of individuals or groups
Adult content, explicit material, or sexually suggestive content
Gambling, betting, or games of chance
Multi-level marketing schemes or pyramid structures
Political campaigns or partisan political activities
Fraudulent or misleading purposes
Violence, terrorism, or harmful activities against persons or property

4.3 Campaign Management Responsibilities

As a campaign creator, you are responsible for:

Providing regular updates to donors about campaign progress
Using funds solely for the stated campaign purpose
Maintaining accurate financial records of all transactions
Responding to donor inquiries in a timely manner
Complying with applicable tax obligations and reporting requirements
Withdrawing funds in accordance with our policies and procedures

4.4 Fund Distribution and Timing

Campaign funds are typically available for withdrawal within 2-5 business days after donation
We may hold funds for additional verification or investigation if necessary
Funds may be subject to processing fees as outlined in our Fee Schedule
Campaigns that do not meet their goals may still retain donated funds unless otherwise specified
We reserve the right to freeze or return funds in cases of suspected fraud or policy violations

4.5 Campaign Duration and Extensions

Campaigns may run for periods determined by the campaign creator, subject to platform limits
Campaign extensions may be requested and are subject to approval
Inactive campaigns may be automatically archived after extended periods without activity
We may terminate campaigns that violate our policies or applicable laws

5. Donations and Payment Processing

5.1 Donation Process

When making donations through the Platform:

All donations are processed through secure, third-party payment processors
You authorize us to charge your selected payment method for the donation amount plus applicable fees
Donations are generally non-refundable except in specific circumstances outlined in these Terms
You receive electronic receipts for all transactions

5.2 Payment Methods

We accept the following payment methods:

Major credit and debit cards (Visa, MasterCard, American Express)
Bank transfers and ACH payments
Digital wallets and mobile payment services
Regional payment methods as available (Mobile Money, etc.)
Cryptocurrency payments where legally permitted

5.3 Payment Processing Fees

The Platform charges processing fees as follows:

Standard donation processing fee: 2.9% + $0.30 per transaction
International transaction fees may apply for cross-border donations
Expedited processing fees for faster fund availability
Currency conversion fees for international transactions
Additional fees may apply for certain payment methods or special services

5.4 Refund Policy

Refunds may be issued in the following circumstances:

Fraudulent or unauthorized transactions reported within 60 days
Campaign creators engaging in fraudulent activities
Technical errors resulting in duplicate charges
Violation of campaign terms or misuse of funds
Legal requirements or regulatory orders

5.5 Chargeback and Dispute Resolution

In case of payment disputes:

Users must first attempt to resolve disputes directly with campaign creators
Formal disputes may be filed through our dispute resolution process
We cooperate with financial institutions and law enforcement in fraud investigations
Excessive chargebacks may result in account restrictions or termination

6. Community Features and User Conduct

6.1 Community Guidelines

Our Platform fosters a supportive community environment where users must:

Treat all community members with respect and dignity
Share content that is helpful, relevant, and constructive
Respect diverse perspectives and experiences
Maintain appropriate boundaries in personal interactions
Report inappropriate behavior or content to platform moderators

6.2 Prohibited Conduct

Users are strictly prohibited from:

Harassment, bullying, stalking, or intimidating other users
Posting spam, promotional content, or unsolicited commercial messages
Sharing personal information of other users without consent
Impersonating other individuals, organizations, or entities
Creating fake accounts or engaging in identity fraud
Distributing malware, viruses, or other harmful software
Attempting to circumvent platform security measures or policies

6.3 Content Moderation

We employ both automated systems and human moderators to:

Review reported content and user behavior
Remove content that violates our community guidelines
Investigate suspected policy violations and fraudulent activities
Maintain a safe and supportive environment for all users
Preserve evidence for potential legal proceedings when necessary

6.4 User-Generated Content

When posting content on the Platform, you:

Retain ownership of your original content
Grant us a worldwide, non-exclusive license to use, display, and distribute your content
Represent that you have all necessary rights to share the content
Agree that we may remove or modify content that violates our policies
Acknowledge that content may be visible to other users and the public

6.5 Community Participation

Community features include:

Public and private group discussions
Campaign collaboration and co-creation tools
Peer-to-peer support and advice sharing
Event planning and coordination features
Mentorship and guidance programs for new campaign creators

7. Privacy and Data Protection

7.1 Information Collection and Use

We collect and process personal information as detailed in our Privacy Policy, including:

Account registration and profile information
Campaign details and financial transaction data
Device information and usage analytics
Contact lists and social network connections (with permission)
Location data for relevant features and security purposes
Communications and customer support interactions

We may share your information with:

Other users as necessary for platform functionality
Service providers and business partners who assist in platform operations
Legal authorities when required by law or to protect user safety
Potential acquirers in case of business mergers or acquisitions
Third parties with your explicit consent for specific purposes

7.3 Data Security Measures

We implement comprehensive security measures including:

Encryption of data in transit and at rest
Regular security audits and penetration testing
Multi-factor authentication and access controls
Employee training on data protection and privacy practices
Incident response procedures for potential security breaches

7.4 International Data Transfers

Your information may be processed and stored in countries other than your residence, subject to:

Appropriate legal safeguards and transfer mechanisms
Compliance with applicable data protection laws
Standard contractual clauses and adequacy decisions where applicable
Your rights under local privacy legislation

7.5 Data Retention and Deletion

We retain personal information for:

Active account periods and reasonable periods thereafter
Legal compliance and regulatory requirements (typically 7 years for financial records)
Legitimate business purposes including fraud prevention and dispute resolution
Until you request deletion, subject to legal and operational constraints

8. Intellectual Property Rights

8.1 Platform Intellectual Property

The Bankroll platform, including all software, designs, trademarks, and content, is protected by intellectual property laws. We retain all rights, title, and interest in:

The Bankroll trademark, logo, and brand elements
Platform software, algorithms, and technical infrastructure
User interface designs and user experience elements
Proprietary data analytics and reporting tools
Documentation, help materials, and educational content

8.2 User Content License

When you submit content to the Platform, you grant us:

A worldwide, non-exclusive, royalty-free license to use, reproduce, and distribute your content
Rights to modify, adapt, and create derivative works for platform functionality
Permission to sublicense content to service providers and business partners
Authorization to use content for promotional and marketing purposes (with appropriate attribution)

8.3 Intellectual Property Infringement

We respect intellectual property rights and expect users to do the same. Our policy includes:

Procedures for reporting alleged copyright infringement under the DMCA
Investigation and removal of infringing content when appropriate
Account termination for repeat infringers
Cooperation with rights holders in enforcement actions

8.4 Trademark Usage

Users may not use our trademarks, logos, or brand elements without written permission, except for:

Nominative fair use in describing the Platform or services
Factual references in news articles or educational materials
Links to the Platform using our official brand assets as provided

9. Fees and Payment Terms

9.1 Platform Fees Structure

Our fee structure includes:

Transaction Processing Fees:

Standard rate: 2.9% + $0.30 per successful donation
Volume discounts available for high-transaction campaigns
International processing fees: Additional 1.5% for cross-border transactions
Expedited processing: Additional $5 for same-day fund availability

Premium Features (Optional):

Advanced analytics dashboard: $10/month per campaign
Priority customer support: $25/month per account
Custom branding options: $50/month per campaign
Enhanced social media integration: $15/month per campaign

Additional Services:

Campaign consultation and strategy: $100/hour
Professional campaign design services: Starting at $500
Legal compliance review: $250 per campaign
Tax documentation and reporting assistance: $150 per year

9.2 Fee Collection and Processing

Fees are automatically deducted from transaction amounts
Detailed fee breakdowns are provided in transaction reports
Fee schedules may be updated with 30 days advance notice
Volume discounts and promotional rates may be available by arrangement

9.3 Currency and International Considerations

All fees are listed in USD unless otherwise specified
Currency conversion rates are determined by our payment processors
International wire transfer fees may apply for certain withdrawal methods
Local taxes and duties are the responsibility of users

10. Disclaimers and Limitations of Liability

10.1 Service Availability Disclaimer

We provide the Platform on an "as is" and "as available" basis without warranties of any kind. We do not guarantee:

Uninterrupted access to the Platform or its features
Error-free operation or complete accuracy of information
Compatibility with all devices, browsers, or operating systems
Specific fundraising results or campaign success rates
Availability in all geographic regions or jurisdictions

10.2 Third-Party Services Disclaimer

The Platform integrates with various third-party services including:

Payment processors and financial institutions
Social media platforms and sharing services
Analytics and marketing tools
Communication and notification services

We are not responsible for the availability, accuracy, or functionality of these third-party services.

10.3 User Content Disclaimer

We do not endorse, verify, or guarantee the accuracy of user-generated content, including:

Campaign descriptions and fundraising purposes
User profiles and biographical information
Community posts and user interactions
Photos, videos, and other media content
Financial claims or fund usage reports

10.4 Limitation of Liability

To the maximum extent permitted by law, our liability is limited as follows:

Financial Limitations:

Total liability shall not exceed the greater of $100 or the amount of fees paid by you in the 12 months preceding the claim
We are not liable for indirect, incidental, special, or consequential damages
Loss of profits, revenue, data, or business opportunities are excluded
Punitive or exemplary damages are not recoverable under any circumstances

Excluded Damages:

Campaign performance or fundraising results
Third-party actions or failures of payment processors
User conduct or content posted by other users
Technical issues, system outages, or data loss
Regulatory changes or legal compliance requirements

10.5 Force Majeure

We are not liable for delays or failures in performance due to circumstances beyond our reasonable control, including:

Natural disasters, pandemics, or public health emergencies
Government actions, regulations, or legal restrictions
Labor strikes, supply chain disruptions, or utility failures
Cyber attacks, system breaches, or technical infrastructure failures
Economic sanctions or international trade restrictions

11. Indemnification

11.1 User Indemnification Obligations

You agree to indemnify, defend, and hold harmless Gasobu Technologies, its affiliates, officers, directors, employees, agents, and partners from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorney fees) arising from or relating to:

Campaign-Related Claims:

Your fundraising campaigns, including accuracy of information and use of funds
Violations of intellectual property rights in your campaign content
Failure to comply with applicable laws and regulations
Misrepresentation of campaign purposes or fund usage
Disputes with donors or beneficiaries of your campaigns

User Conduct Claims:

Your use or misuse of the Platform and its features
Violations of these Terms of Service or our policies
Your interactions with other users, including harassment or harmful conduct
Content you post, share, or otherwise make available through the Platform
Privacy violations or unauthorized disclosure of other users' information

Legal and Regulatory Claims:

Tax obligations and reporting requirements related to your campaigns
Compliance with fundraising regulations and licensing requirements
Securities law violations or unregistered investment offerings
Consumer protection law violations or deceptive practices
Anti-money laundering or terrorist financing compliance failures

11.2 Indemnification Process

When seeking indemnification, we will:

Promptly notify you of any claims subject to indemnification
Provide reasonable cooperation in the defense of such claims
Allow you to control the defense and settlement negotiations
Reserve the right to participate in defense with our own counsel at our expense

11.3 Limitations on Indemnification

Your indemnification obligations do not extend to:

Our gross negligence or willful misconduct
Violations of law committed solely by us without your involvement
Third-party claims unrelated to your use of the Platform
Issues arising from our failure to comply with these Terms

12. Dispute Resolution and Governing Law

12.1 Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of Jurisdiction, without regard to conflict of law principles. Any legal action or proceeding relating to these Terms or the Platform shall be brought exclusively in the state or federal courts located in City, State/Country, and you consent to the jurisdiction and venue of such courts.

12.2 Mandatory Arbitration Agreement

Dispute Resolution Process: Most disputes can be resolved informally by contacting our customer support team. If informal resolution is not possible, you agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Platform will be resolved through binding arbitration rather than court proceedings, except for:

Claims for injunctive or equitable relief
Intellectual property disputes
Small claims court matters within jurisdictional limits
Claims related to data breaches or privacy violations

Arbitration Rules and Procedures:

Arbitration will be conducted under the rules of Arbitration Organization
The arbitration will take place in City, State/Country or via video conference
The arbitrator's decision will be final and binding on both parties
Each party will bear their own costs and attorney fees unless otherwise awarded by the arbitrator

12.3 Class Action Waiver

You agree that any arbitration or legal proceeding will be conducted on an individual basis only and not as part of a class action, collective action, or representative proceeding. You waive any right to participate in class action lawsuits against us.

12.4 Limitation Period

Any claim or cause of action arising from or related to your use of the Platform must be filed within one (1) year after the claim or cause of action arose, or it will be permanently barred.

12.5 Severability

If any provision of this dispute resolution section is found to be unenforceable, the remainder of this section and the Terms will remain in full force and effect. The unenforceable provision will be deemed modified to the minimum extent necessary to make it enforceable.

13. Termination and Suspension

13.1 Termination by Users

You may terminate your account and cease using the Platform at any time by:

Using the account deletion feature in your profile settings
Contacting our customer support team with a termination request
Following our account closure procedures as outlined in our help documentation

Effects of User Termination:

Access to the Platform and your account will be permanently discontinued
Active campaigns may continue to receive donations for a limited period
Pending funds will be processed according to our standard procedures
Your data will be retained or deleted according to our Privacy Policy and legal requirements

13.2 Termination by Company

We may terminate or suspend your account immediately, without prior notice, for:

Material breach of these Terms of Service
Fraudulent, illegal, or harmful activities
Violation of our community guidelines or acceptable use policies
Failure to complete required identity verification
Extended periods of account inactivity
Technical or security concerns that pose risks to the Platform or users

13.3 Suspension Procedures

Account suspension may be imposed for less severe violations or pending investigation:

Temporary restriction of account access and features
Suspension of campaign creation or donation processing capabilities
Limited access to funds or withdrawal restrictions
Requirement to complete additional verification or compliance procedures

13.4 Post-Termination Obligations

Following account termination:

You remain liable for all obligations incurred prior to termination
Outstanding fees, chargebacks, or disputes must still be resolved
Confidentiality and intellectual property provisions continue to apply
Indemnification obligations survive termination of the agreement

13.5 Data and Content After Termination

Upon termination:

We may retain certain data as required by law or for legitimate business purposes
Public campaign content may remain visible if required for transparency
Personal information will be handled according to our Privacy Policy
You may request data deletion subject to legal and operational constraints

14. Modifications to Terms of Service

14.1 Right to Modify

We reserve the right to modify, update, or replace these Terms of Service at any time at our sole discretion. Modifications may be made for various reasons including:

Changes in applicable laws or regulatory requirements
Updates to Platform features, functionality, or business practices
Enhanced security measures or privacy protections
Clarification of existing terms or addition of new provisions
Response to user feedback or industry best practices

14.2 Notice of Changes

We will provide notice of material changes to these Terms through:

Email notification to your registered email address
In-app notifications when you next access the Platform
Prominent notices on our website and mobile application
Updates to the "Last Updated" date at the top of this document

Notice Periods:

Material changes: Minimum 30 days advance notice
Minor clarifications or corrections: Notice upon implementation
Legal or regulatory compliance changes: As soon as reasonably possible
Emergency security updates: Immediate implementation with subsequent notice

14.3 User Acceptance of Changes

Your continued use of the Platform after the effective date of any changes constitutes acceptance of the modified Terms. If you do not agree to the changes:

You should discontinue use of the Platform immediately
You may terminate your account as described in Section 13
Existing campaigns and transactions will be governed by the terms in effect at the time they were created
Your rights and obligations under the previous terms will continue until account closure

14.4 Version Control and Archival

We maintain records of previous versions of these Terms for:

Legal compliance and dispute resolution purposes
User reference and transparency
Historical documentation of policy evolution
Regulatory reporting and audit requirements

15. Contact Information and Legal Notices

15.1 Customer Support

For questions, concerns, or assistance related to the Platform:

General Support:

Email: support@bankrollapp.com
Phone: Phone Number
Live Chat: Available through the mobile app and website
Business Hours: Monday-Friday, 9 AM - 6 PM Timezone

Technical Support:

Email: tech-support@bankrollapp.com
Emergency Technical Issues: Emergency Phone Number
System Status Updates: status.bankrollapp.com

15.2 Legal and Compliance Inquiries

Legal Department:

Email: legal@bankrollapp.com
Mail: Gasobu Technologies
Legal Department
Business Address
City, State/Province, Postal Code
Country

Privacy and Data Protection:

Email: privacy@bankrollapp.com
Data Protection Officer: dpo@bankrollapp.com

Law Enforcement and Regulatory Requests:

Email: legal-requests@bankrollapp.com
Secure Portal: Secure Upload Portal URL

15.3 Business and Partnership Inquiries

Business Development:

Email: partnerships@bankrollapp.com
Phone: Business Phone Number

Media and Press:

Email: press@bankrollapp.com
Media Kit: Available at Website URL/press

15.4 Corporate Information

Company Details:

Legal Name: Gasobu Technologies
Registration: Company Registration Number
Tax ID: Tax Identification Number
Registered Address: Full Registered Address

Regulatory Compliance:

Financial Services License: License Number if applicable
Money Transmitter License: License Number if applicable
Data Protection Registration: Registration Number if applicable

15.5 Service of Legal Process

Legal process, subpoenas, and other official documents should be served at:

Physical Address: Gasobu Technologies
Legal Department - Service of Process
Service Address
City, State, Postal Code
Country

Authorized Agent:Name of Registered Agent
Agent Address if different from above

16. Miscellaneous Provisions

16.1 Entire Agreement

These Terms of Service, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Gasobu Technologies regarding your use of the Platform. These Terms supersede all prior agreements, understandings, negotiations, and discussions, whether oral or written, between the parties.

16.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. The invalid provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, the provision shall be deemed deleted from these Terms.

16.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver by us shall be deemed a further or continuing waiver of such term or condition or any other term or condition.

16.4 Assignment

You may not assign, transfer, or delegate any of your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms to any party at any time without restriction, including in connection with a merger, acquisition, reorganization, or sale of assets.

16.5 Survival

The following provisions shall survive termination of these Terms and your use of the Platform: intellectual property rights, user content licenses, indemnification obligations, limitation of liability, dispute resolution, governing law, and any provisions that by their nature should survive termination.

16.6 Headings and Interpretation

The headings and subheadings in these Terms are for convenience only and shall not affect the interpretation of the provisions. Words denoting the singular shall include the plural and vice versa. Words denoting any gender shall include all genders.

16.7 Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights except as expressly stated herein. No third party may rely on or enforce any provision of these Terms.

16.8 Force Majeure

Neither party shall be liable for any delay or failure in performance under these Terms that is due to fire, flood, earthquake, elements of nature, acts of God, acts of war, terrorism, riots, civil disorders, rebellions, revolutions, or other similar causes beyond the reasonable control of such party.

16.9 Electronic Communications

You consent to receive communications from us electronically, including via email, in-app notifications, and SMS messages. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

16.10 Language

These Terms are written in English. Any translations provided are for convenience only and shall not modify or supplement the English version. In case of any inconsistency between the English version and a translation, the English version shall prevail.

Effective Date: September 26, 2025

Contact Information:
Gasobu Technologies
Email: legal@bankrollapp.com
Address: Your Business Address

By using the Bankroll platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these Terms, you must not use the Platform.

Document Version: 2.1
Previous Update: Previous Date
Next Scheduled Review: December 26, 2025