Terms of Service

These Terms of Service ("Terms") form a binding agreement between you and ParcharPay ("we", "us", "our") governing your access to and use of the ParcharPay website, applications and services (the "Service"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. The Service & our role

ParcharPay is a global contribution platform that allows Sangat (donors) to send Bheta (contributions) to verified Parcharaks (recipients). ParcharPay acts solely as a technology facilitator between Sangat and Parcharaks. We are not a party to the underlying spiritual, charitable or personal relationship between donor and recipient, do not hold donor funds as principal, and do not act as a trustee, fiduciary, charity, registered DGR, financial adviser or issuer of financial products.

All payments are processed by Stripe, Inc. ("Stripe") under Stripe's Connected Account Agreement and applicable terms. Payouts are made from Stripe directly to the verified Parcharak's connected account.

2. Eligibility & accounts

• You must be at least 18 years old and able to enter into a binding contract.
• You agree to provide accurate, complete and current information and to keep your account credentials secure.
• Parcharak accounts must complete Stripe KYC/identity verification before receiving payouts.
• You are responsible for all activity that occurs under your account.

3. Bheta & fees

• Bheta are voluntary contributions ("Bheta") made by Sangat to Parcharaks.
• A platform fee (displayed at checkout, currently around 2.49%) plus Stripe processing fees are deducted from each contribution. The net amount is paid to the Parcharak.
• Bheta are made in the currency selected at checkout; foreign-exchange conversion is performed by Stripe at their published rates.
• You authorise us and Stripe to charge your payment method for the Bheta amount plus any applicable fees.

4. Non-refundable Bheta

All Bheta are final and non-refundable, except where a refund is required by law (e.g. duplicate charges, demonstrably fraudulent transactions, or a chargeback successfully raised through your card issuer). Bheta are not tax-deductible unless the receiving Parcharak is a registered deductible-gift-recipient ("DGR") and provides a valid receipt; ParcharPay does not issue tax-deductible receipts on behalf of Parcharaks.

4a. Financial Disclaimer

ParcharPay Pty Ltd is a technology platform and software provider. We do not provide financial services, hold user funds as a principal, or issue financial products. All payment processing, fund settlement, and identity verification are conducted exclusively by our third-party payment processor (Stripe). ParcharPay never takes possession of your funds.

4b. Acceptable Use & Anti-Fraud

ParcharPay reserves the right to suspend any account, revoke verification, and report suspicious activity to law enforcement or our payment partners if we suspect fraud, money laundering, or violation of international sanctions.

5. Prohibited conduct

You must not, and must not allow others to:

• Use the Service for any unlawful purpose, including money laundering, terrorism financing, fraud, sanctions evasion or tax evasion.
• Misrepresent your identity, your Jatha, your charitable purpose or the use of funds.
• Collect Bheta on behalf of another person or organisation without their authorisation, or use the Service to solicit Bheta under false pretences.
• Use the Service to distribute hateful, harassing, defamatory, obscene, infringing or otherwise unlawful content.
• Attempt to bypass, disable or interfere with security features, rate limits, or platform fees, or attempt to gain unauthorised access to any account, data or system.
• Scrape, reverse-engineer or harvest data from the Service, or use it to train machine-learning models without our written consent.
• Process payments for prohibited categories under Stripe's Restricted Businesses policy.

6. Intellectual property

ParcharPay and its licensors retain all right, title and interest in the Service, including software, design, branding and content (other than user-submitted content). You grant ParcharPay a worldwide, royalty-free, non-exclusive licence to host, store, reproduce and display content you submit (e.g. profile photos, biographies) for the purpose of operating and promoting the Service.

7. Suspension & termination

We may suspend, restrict or terminate your account, withhold payouts or remove content at any time, with or without notice, if we reasonably believe you have breached these Terms, applicable law, Stripe's terms, or if required by a regulator, law-enforcement request, or risk-management process. You may close your account at any time by contacting contact@parcharpay.org. Termination does not entitle you to a refund of past Bheta or fees.

8. Disclaimers

The Service is provided "as is" and "as available"without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free or secure, or that any Bheta will reach a specific charitable outcome. We do not endorse, verify the spiritual authority of, or guarantee the conduct of any Parcharak.

Nothing in these Terms excludes any consumer guarantee or right that cannot be excluded under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)).

9. Limitation of liability

To the maximum extent permitted by law, ParcharPay's aggregate liability to you for all claims arising out of or relating to the Service is limited to the greater of (a) the platform fees we have earned from your activity in the 12 months preceding the claim, or (b) AUD $100. We will not be liable for any indirect, incidental, consequential, special or punitive damages, or for loss of profits, revenue, data or goodwill, even if advised of the possibility. We are not liable for the conduct of Parcharaks, donors, Stripe, payment networks or any third-party service provider.

10. Indemnity

You agree to indemnify and hold ParcharPay, its officers, employees and agents harmless from any claims, losses, liabilities and expenses (including reasonable legal fees) arising out of your breach of these Terms, your misuse of the Service, or your violation of any law or third-party right.

11. Governing law & disputes

These Terms are governed by the laws of New South Wales, Australia. The parties submit to the non-exclusive jurisdiction of the courts of New South Wales. Where you are an EU consumer, you retain the protection of mandatory consumer-protection laws of your country of residence.

12. Changes

We may update these Terms from time to time. Material changes will be notified by email or via a notice on the Service. Your continued use of the Service after the effective date constitutes acceptance.

13. Contact

Questions about these Terms: contact@parcharpay.org