donation campaign
terms & conditions

Karadoo Finance Limited InvestMyCommunity Organisation Terms and Conditions

Karadoo Finance Limited, BPS House, 5 Fairfield Road, Bath, BA1 6EP

INVESTMYCOMMUNITY.COM is a trading name of Karadoo Finance Limited (company number 10702553), registered in England, and has its registered office at 19-21 Chapel Street, Marlow, Buckinghamshire, England, SL7 3HN. Karadoo Finance Limited is authorised and regulated by the Financial Conduct Authority (FRN 777371). We are registered with the office of the information commissioner (no. ZA290916) for data protection purposes.

  1. INTRODUCTION

    These Terms and Conditions may change or be updated from time to time. It remains your responsibility to access and check these Terms and Conditions wherever you access the website. The latest version of these Terms and Conditions will govern any future usage by you of the website and its associated services. The date on which these Terms of Service were last updated is stated at the end of this document.

    1. INVESTMYCOMMUNITY.COM is a website which facilitates the Donation transaction between a crowdfunding page organiser and Donators, or between any user and organisation.

  2. REGISTERING WITH INVESTMYCOMMUNITY.COM

    1. The organisation must not register with Karadoo Finance Limited more than once.

  3. ACCESS TO AND USE OF INVESTMYCOMMUNITY.COM

    1. The organisation's username and password provide access to the organisation's area of INVESTMYCOMMUNITY.COM

  4. ORGANISATION DETAILS

    1. The names and addresses of the authorised applicant, the organisation, will be provided in order that Karadoo Finance Limited is able to carry out its AML (Anti Money Laundering). These details will be required for the principal applicant for an INVESTMYCOMMUNITY.COM crowdfunding page.

    2. Karadoo Finance Limited reserves the right to reject the application from any organisation where this information is not provided.

    3. Karadoo Finance Limited has complete discretion to accept the fundraising application or not following AML of the principal applicant.

    4. Karadoo Finance Limited’s decision to accept or reject an application is final and there is no obligation on Karadoo Finance Limited to share its reasons for its decision with the organisation.

  5. THE ORGANISATION CROWDFUNDING PAGE

    1. The organisation crowdfunding page contains information submitted by the organisation, including a video clip, where the organisation has opted to submit such a clip. The organisation name and fundraising request are viewable by potential Donators on INVESTMYCOMMUNITY.COM but details of the organisation profile are only viewable by registered donators on INVESTMYCOMMUNITY.COM when the listing starts.

    2. By starting the listing, the organisation confirms to Karadoo Finance Limited and the donators that the information contained in the organisation’s crowdfunding page is complete, accurate and up to date.

  6. FEES

    1. There is no charge to submit a campaign application and if your request is eligible and approved then there is no upfront charge for listing on INVESTMYCOMMUNITY.COM

    2. The organisation will pay a fee to Karadoo Finance Limited for marketing the campaign if the campaign completes. Please note that for on-going campaigns for regular donations then a fee is payable each time funds are transferred to the organisation.

    3. If the organisation opts for Karadoo’s Basic Service then the marketing fee is 3.0% of the aggregate gross funds transferred, including Gift Aid collected.

    4. If the organisation opts for Karadoo’s Premium Service then the marketing fee is 5.0% of the aggregate gross funds transferred, including Gift Aid collected.

    5. If the organisation opts for Karadoo’s Premium Plus Service then the marketing fee is 10.0% of the aggregate gross funds transferred, including Gift Aid collected.

    6. Under all service options there is an additional payment processing fee of 1.5% of the money donation only.

    7. All fees and charges exclude VAT. The marketing fee to registered charities should be zero rated for VAT, but organisations are advised to seek professional advice as each circumstance varies.

    8. Where a campaign includes the acceptance of Gift Aid, the marketing fee will be chargeable on the Gift Aid element whether Karadoo, or the client organisation or its representatives, submits the claim to HMRC.

    9. The total marketing fee and platform fee on the gross donation (including Gift Aid) will be deducted from the transfer of the money donations such that consequently where Karadoo collects Gift Aid on behalf of the organisation, then the transfer of that Gift Aid will not be subject to further fee deductions.

  7. THE ORGANISATION'S LIABILITY TO KARADOO FINANCE LIMITED.

    1. The organisation is liable to Karadoo Finance Limited for any loss or damage suffered by Karadoo Finance Limited or any user of INVESTMYCOMMUNITY.COM as a result of the organisation (or a person using the organisation’s username and password with the organisation's knowledge or permission or through the organisation's negligence):

      1. using INVESTMYCOMMUNITY.COM in a way that is fraudulent.

      2. breaching these organisation’s Terms.

      3. otherwise using INVESTMYCOMMUNITY.COM in a way that causes loss or damage to Karadoo Finance Limited or any other user of INVESTMYCOMMUNITY.COM

  8. KARADOO FINANCE LIMITED'S LIABILITY TO THE ORGANISATION

    1. Karadoo Finance Limited is not liable to the organisation for any loss, damage or cost arising out of or in connection with the organisation’s registration with Karadoo Finance Limited or use of INVESTMYCOMMUNITY.COM, except where the loss, damage or cost is a result of Karadoo Finance Limited's breach of these organisation terms, negligence or fraud.

    2. Karadoo Finance Limited's liability to the organisation will not exceed 10,000 pounds in respect of all claims.

    3. Nothing in these organisation’s terms excludes or limits Karadoo Finance Limited's liability for death or personal injury caused by its negligence or for fraud.

  9. ASSIGNMENT

    1. Karadoo Finance Limited may transfer or delegate any of its rights or obligations under these organisation’s terms to any person. Karadoo Finance Limited may provide information about the organisation and the organisation activities on INVESTMYCOMMUNITY.COM to that person.

    2. The organisation may not transfer any of its rights or obligations under these organisation’s terms.

  10. AMENDMENTS

    1. Karadoo Finance Limited may amend these organisation’s terms from time to time and need not give the organisation notice of the amendments.

    2. If Karadoo Finance Limited amends these organisation’s terms, the next time the organisation logs in to INVESTMYCOMMUNITY.COM the organisation will be notified of the changes and the date from which the amendments were effective.

  11. NOTICES

    1. All notices given under these organisation’s terms or any other terms relating to INVESTMYCOMMUNITY.COM must be in writing and in English.

    2. Karadoo Finance Limited may deliver a notice to the organisation by placing a message on the organisation's area of INVESTMYCOMMUNITY.COM or by email or post to the contact details last known to Karadoo Finance Limited.

    3. A notice from Karadoo Finance Limited will be effective at the time of placing a message on INVESTMYCOMMUNITY.COM or sending an email, or on the second business day after posting. A business day is a weekday other than a national holiday.

    4. A notice from the organisation to Karadoo Finance Limited can be sent by email to admin@investmycommunity.com, or by post to Karadoo Finance Limited Customer Service, BPS House, 5 Fairfield Road, Bath, BA1 6EP. Notices to Karadoo Finance Limited will be effective on receipt.

  12. NO WAIVER

    If Karadoo Finance Limited does not enforce any of its rights under these organisation’s terms or any other terms relating to INVESTMYCOMMUNITY.COM, it does not mean that Karadoo Finance Limited will be unable to enforce that right in future.

  13. THIRD PARTY RIGHTS

    A person who is not a party to these organisation’s terms may not enforce any of these terms.

  14. LAW AND JURISDICTION

    1. These organisation’s terms and any non-contractual obligations arising out of or in connection with it are governed by English Law and the English courts have exclusive jurisdiction.

    2. For the benefit of Karadoo Finance Limited, the organisation irrevocably submits to the jurisdiction of the English courts and irrevocably agrees that a ruling in those courts will be conclusive and binding on the organisation and may be enforced against the organisation in the courts of any other jurisdiction.

  15. PERSONAL INFORMATION

    Karadoo Finance Limited will:

    1. Capture personal information including but not limited to the donator's name, title, address and email address ("Personal Information") at all times in accordance with the Data Protection Act 1998 and related legislation, regulatory requirements and guidance as updated and amended from time to time, all to the extent applicable ("Privacy Laws") and protect and secure such information. For the avoidance of doubt this paragraph does not imply that Karadoo Finance Limited will share such information with you and/or the INVESTMYCOMMUNITY.COM crowdfunding page.

    2. Not sell, trade or rent Personal Information to third parties.

  16. INTERMEDIARIES

    1. Karadoo Finance Limited, as operator of the website and associated services, acts as an intermediary between you and the individual users of the website and associated services and, whilst your and/or the INVESTMYCOMMUNITY.COM crowdfunding page and the individual user information resides on the website or associated services, Karadoo Finance Limited does not check or exercise any editorial control over the content of such information, save as required by applicable laws.

    2. In the event that Karadoo Finance Limited is made aware of or has knowledge of any unlawful activity or information on the website or associated services, Karadoo Finance Limited shall act to remove or disable access to the information.

    3. Karadoo Finance Limited shall not be liable to you or the INVESTMYCOMMUNITY.COM crowdfunding page as a result of its role as intermediary.

  17. INVESTMYCOMMUNITY.COM CROWDFUNDING PRINCIPAL APPLICANT’S OBLIGATIONS

    ADDITIONAL TERMS FOR INVESTMYCOMMUNITY.COM PRINCIPAL APPLICANTS The principal applicant is the individual who completes the registration on behalf of the organisation and creates an INVESTMYCOMMUNITY.COM crowdfunding page on the website. The following additional terms will apply to the principal applicant’s dealings with Karadoo Finance Limited in relation to the relevant INVESTMYCOMMUNITY.COM crowdfunding page and your use of the website and associated services. To the extent there is any conflict between these additional terms and the core Terms and Conditions, these additional terms will prevail.

    You agree that: -

    1. Where applicable, you shall ensure that any person or organisation for which you have created an INVESTMYCOMMUNITY.COM crowdfunding page agrees to you raising funding on its behalf for the purposes set out on your INVESTMYCOMMUNITY.COM crowdfunding page.

    2. If your use of the website and/or associated services results in access to any Personal Information you shall: (i) at all times assist with the responsibilities of Karadoo Finance Limited, as a data controller responsible for determining how the Personal Information is processed under the provisions of the Privacy Laws; (ii) not do, or cause or permit to be done, anything which may result in a breach by Karadoo Finance Limited of the Privacy Laws and comply with all reasonable instructions from Karadoo Finance Limited relating to the processing by you and/or the INVESTMYCOMMUNITY.COM crowdfunding page of such Personal Information; (iii) comply with the Privacy Laws in respect of your and/or the INVESTMYCOMMUNITY.COM crowdfunding page's collection, use, disclosure or processing of the Personal Information; (iv) abide by the lawful instructions of all data subjects in respect of the Personal Information and not do anything to compromise the security of such information; (v) not sell, trade or rent Personal Information to third parties; (vi) hold the Personal Information securely and not disclose it to anyone other than Karadoo Finance Limited, as agreed to by the data subject and/or as permitted by Privacy Laws; (vii) implement adequate security, technical and organisational measures against all unauthorised, unlawful or accidental access, processing, use, erasure, loss or destruction of, or damage to, Personal Information in accordance with Privacy Laws, and abide by Karadoo Finance Limited’s reasonable requirements to ensure the security of the Personal Information as notified to you from time to time; (viii) use Personal Information appropriately and only for the specific purposes as notified to you from time to time, including by way of the applicable privacy policy available on INVESTMYCOMMUNITY.COM's website; (ix) only communicate with donators where they have agreed to receive further communications from you and/or the INVESTMYCOMMUNITY.COM crowdfunding page, and only to the extent that they have indicated their preference to do so (for example in relation to communications for a specific fundraising event only); (x) not retain any Personal Information for longer than is necessary; and (xi) to the extent legally permissible, you shall indemnify and hold harmless Karadoo Finance Limited, its successors and assigns, from and against all losses, costs and other damage caused by your and/or the INVESTMYCOMMUNITY.COM crowdfunding page's breach of this paragraph; and

    3. you shall maintain any necessary authority, permit, licence, consent, approval and registration for you to fundraise (and, where applicable, for Karadoo Finance Limited to fundraise on your behalf) in accordance with applicable laws and if Karadoo Finance Limited needs any such authority, permit, licence, consent, approval or registration for it to fundraise on behalf of the INVESTMYCOMMUNITY.COM crowdfunding page then you will, at no cost to Karadoo Finance Limited, provide all such assistance as Karadoo Finance Limited reasonably requires to assist Karadoo Finance Limited with the same. You agree that you shall inform Karadoo Finance Limited immediately if, for any reason, you and/or the INVESTMYCOMMUNITY.COM crowdfunding page cease(s) to maintain the necessary authority, permit, licence, consent, approval and/or registration to operate the fundraising activities in relation to the INVESTMYCOMMUNITY.COM crowdfunding page in accordance with applicable local laws.

    4. By building an INVESTMYCOMMUNITY.COM crowdfunding page you represent, warrant and undertake to Karadoo Finance Limited and the users of the website that:

      1. Each time you use the website or associated services, and in particular when you create an INVESTMYCOMMUNITY.COM crowdfunding page, you will comply with Karadoo Finance Limited’s guidelines that apply to INVESTMYCOMMUNITY.COM crowdfunding pages at that time.

      2. That the organisation has agreed, and is responsible for establishing, communicating and the governance of the distribution policy for funds raised and the eligibility criteria for the ultimate recipient (if applicable);

      3. All donations provided to the INVESTMYCOMMUNITY.com crowdfunding page will be used for the purposes set out on your INVESTMYCOMMUNITY.com crowdfunding page;

      4. You will provide feedback via your INVESTMYCOMMUNITY.com crowdfunding page on the website, including at the end of the fundraising period to explain what outcome has been or will be achieved as a result (including how any funds raised in excess of your target will be used); and

      5. The information you provide to us is true and accurate in all respects and is not misleading;

      6. You have not omitted to tell us any information which could reasonably be considered relevant;

      7. No fraudulent, criminal or otherwise improper uses will be made of donations made via your INVESTMYCOMMUNITY.com crowdfunding page. Karadoo Finance Limited reserves the right to withdraw a campaign if improper use is suspected and retain donations pending an investigation. Karadoo Finance Limited reserves the right to cancel a campaign and return donations to donators at its discretion and without further explanation.

  18. LICENCE OF TRADEMARK AND COPYRIGHTED MATERIAL

    1. You hereby grant to Karadoo Finance Limited, its affiliates and its partners a non-exclusive licence to use any of your INVESTMYCOMMUNITY.COM crowdfunding page's trademarks and any copyrighted material on your page (including images and videos or any link to the same) solely in connection with the website and associated services and its operation and promotion and for no other purpose whatsoever.

    2. The licence shall terminate automatically on expiry or termination of these Terms of Service or the removal of your INVESTMYCOMMUNITY.COM crowdfunding page from the website in accordance with these Terms and Conditions.

  19. DISCLAIMER AND LIMITATION OF LIABILITY

    1. Notwithstanding the provisions of the Disclaimer and Limitation of Liability section of the core Terms and Conditions, Karadoo Finance Limited's total liability to you arising under or in connection with these Terms and Conditions, so far as such liability arises out of or relates to your creation and/or use of an INVESTMYCOMMUNITY.COM crowdfunding page, shall be limited to the total fees paid by you to Karadoo Finance Limited under these Terms and Conditions for your use of the website and associated services during the preceding 12 month period ending on the date the circumstances giving rise to the liability arose.

  20. CONFIDENTIAL INFORMATION

    1. During the funding period of your INVESTMYCOMMUNITY.COM crowdfunding page and for a period of seven (7) years thereafter, the parties shall treat as strictly confidential all information about the other which has been acquired as a result of the use of the website and associated services and which is not in the public domain.

    2. No party shall use or disclose to any third party such information belonging to the other party without that party's prior written consent, except where required to do so by applicable law, including, without limitation, the Freedom of Information Act 2000 and the Environmental Information Regulations 2004, or regulatory or governmental body. This paragraph shall survive termination of these Terms and Conditions.

  21. TERMINATION

    1. Karadoo Finance Limited reserves the right, at its sole discretion, to immediately and without notice suspend or permanently deny your access to all or part of the website and associated services, including for example by removing any INVESTMYCOMMUNITY.COM crowdfunding page from the website. Karadoo Finance Limited will only exercise this right where there is a breach or suspected breach by you of these Terms and Conditions (including where there is any actual or suspected fraudulent, criminal or improper use of the website or associated services) or where Karadoo Finance Limited has any other legitimate reason to do so.

    2. These Terms and Conditions shall terminate automatically upon the removal by you or Karadoo Finance Limited of your INVESTMYCOMMUNITY.COM crowdfunding page from the website. These Terms and Conditions will continue to apply to past use by you.

      Upon termination or suspension or denial of access to the website and associated services, funds already received on your behalf by Karadoo Finance Limited will be handled in accordance with the provisions above, provided that any potential payment (where applicable) may be delayed where Karadoo Finance Limited conducts an investigation regarding your use of the website and associated services and Karadoo Finance Limited may decide to refuse to pay funds across to you where you have breached these Terms and Conditions or your INVESTMYCOMMUNITY.COM crowdfunding page has been removed. In such circumstances Karadoo Finance Limited may authorise a refund of donations to donators.

Last Updated: 1st June 2020