CAUSFY TERMS OF SERVICE

Effective Date: 01/01/2026
Operator: CAUSFY GLOBAL TECHNOLOGIES, S.L. (“Causfy”, “we”, “our”).
NIF: [NIF pendiente]
Registered Office: C/ Princesa 31, planta 2, puerta 2, 28008 Madrid, Spain
Commercial Registry: [Registro Mercantil — pendiente]
Legal Contact: [[email protected] — confirmar]
General Contact: [email protected]

These Terms of Service (“Terms” or “TOS”) govern access to and use of the websites, applications, dashboards, APIs, forms, and related services operated by CAUSFY GLOBAL TECHNOLOGIES, S.L. (collectively, the “Services”).

By accessing or using the Services, creating an account, creating a campaign, donating, signing, submitting a request, or performing any action within Causfy, you declare that you have read, understood, and accept these Terms.

1. Nature of the Platform (Summary — non-binding)

Causfy is a technological intermediary platform for crowdfunding and digital activism. It is designed to connect people who wish to raise funds or support causes with potential contributors.

Causfy is NOT:

A bank, credit institution, payment institution, or electronic money institution (EMI) within the meaning of applicable EU financial regulation.
A crypto-asset service provider (CASP) unless expressly authorised under Regulation (EU) 2023/1114 (MiCA) or equivalent applicable legislation.
A provider of legal, tax, financial, medical, or investment advice.

Donations on Causfy are:

Voluntary contributions.
NOT investments.
NOT equity, participations, debt, interests, dividends, or any financial return instrument.

Causfy does not guarantee that a campaign will reach its objective.

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”: voluntary transfer of value made through Causfy to a Campaign. Not an investment. Does not grant equity, shares, debt, interest, dividends, or any financial return.
“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, compliance, and third-party providers.
“Verification”: identity/business controls (KYC/KYB) required for certain functions (e.g., Payouts, “Verified” status, or fiat rails), which may be conducted by authorised third-party providers.
“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 review programs published by Causfy for Donors and Beneficiaries (see Section 12). Not insurance. Not an absolute guarantee of refund.

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).
Be at least 18 years of age. Causfy does not direct its services to minors under 18.
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 and do not constitute an investment, nor do they grant equity, shares, debt, interest, dividends, or any financial return. 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 directly custody user funds. Causfy does not present itself as a custodian of User private keys.

9.2 Payments, KYC/KYB, withdrawals, and third-party providers

Payments, KYC/KYB identity verification, withdrawals, currency conversions, payouts, escrow mechanisms, or related validations may depend on authorised third-party providers ([Proveedor de pagos — pendiente], [Proveedor KYC/KYB — pendiente]). Availability varies by country, applicable regulation, provider, risk controls, and compliance. Causfy may limit, suspend, or reject operations for legal, technical, or compliance reasons.

9.3 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.

9.4 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) conducted directly or through authorised providers.

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 review programs:

Donation Protection Program
Beneficiary Protection Program

These Programs:

are NOT insurance and NOT an absolute guarantee of refund;
are evaluated case by case at Causfy’s discretion;
apply to individual claims;
have a 12-month submission window (according to the Program);
apply no-double-recovery rules (e.g., if there is a chargeback/dispute or refund through another channel, the claim may be ineligible).

Important: “Protected” does not mean “Guaranteed”. Causfy does not offer insurance or an absolute guarantee of refund. These programs are traceability, review, and support programs subject to conditions and evaluation.

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 applicable law.

14.2 Offset

To the extent permitted by applicable 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 Intellectual property infringement reports

Causfy respects the intellectual property rights of third parties. If you believe that User Content available on the Services infringes your copyright or other intellectual property rights, you may send a notice to: [[email protected] — confirmar]. The notice must include, at minimum:

Identification of the protected work allegedly infringed.
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 rights holder, its agent, or the law.
A statement that the information included in the notice is accurate.
Your physical or electronic signature.

16. AI Tools

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 Limitations and user responsibility

AI Tools are auxiliary tools. They do not constitute an authoritative decision-making system. AI may be inaccurate and does not constitute medical, legal, financial, or investment advice. The user is responsible for reviewing any AI-generated content before publishing it. 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 under GDPR/LSSI), 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, KYC/KYB verification, infrastructure, analytics, and security ([Proveedor de pagos — pendiente], [Proveedor KYC/KYB — pendiente]). We do not control all of their services. When you use third-party rails, their terms may also apply. Availability of functions may vary depending on the provider’s coverage in each country.

21. Warranty disclaimer

The Services are provided “as is” and “as available”. To the extent permitted by applicable 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 applicable 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;
actions or omissions of third-party payment or KYC providers. Causfy’s total liability, if any, shall be limited to the maximum permitted by applicable law and, when applicable, to amounts paid directly to Causfy (excluding donations intended for campaigns), except for mandatory legal provisions to the contrary, including mandatory consumer protection rules.

23. Indemnification

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

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

24. Applicable law, dispute resolution, and mediation

24.1 Applicable law

These Terms and any dispute related to the Services are governed by Spanish law, without prejudice to mandatory consumer protection rules that may apply in your jurisdiction under EU law. CAUSFY GLOBAL TECHNOLOGIES, S.L. is domiciled in Spain and subject to Spanish and European Union legislation.

24.2 Prior informal resolution

Before initiating any formal proceeding, you and Causfy agree to attempt to resolve the dispute in good faith informally. Dispute notice: you must send a written notice to Causfy with:

(a) your name and the email associated with your Account (if applicable),
(b) a brief description of the dispute,
(c) the relief requested (what you are asking for), and
(d) any relevant information (IDs, links, dates). The notice must be sent to: [[email protected] — confirmar] Causfy will respond and may request additional information. If the dispute is not resolved within 30 days from receipt, either party may initiate the proceedings described below.

24.3 Mediation

If informal resolution fails, the parties may submit the dispute to mediation in accordance with Spanish Law 5/2012 of 6 July on mediation in civil and commercial matters, before an accredited mediation institution. Mediation is optional and does not prevent access to courts.

24.4 Competent courts

If mediation fails or the parties choose not to submit to it, disputes shall be submitted to the competent courts of Madrid, Spain, except where mandatory consumer protection rules of your jurisdiction provide for a different forum. If you are a consumer resident in the European Union, you may also have the right to submit complaints through the EU Online Dispute Resolution (ODR) platform at: https://ec.europa.eu/consumers/odr.

25. Changes to Terms

We may update these Terms. We will indicate the “last updated” date. Continued use of the Services after changes constitutes acceptance, unless applicable law requires additional consent.

26. Electronic communications

You agree to receive electronic communications (email, notifications on the site/app). These communications satisfy legal requirements for written communication when applicable under Spanish law and applicable EU regulations.

27. Termination

You may stop using Causfy at any time. Causfy may suspend or terminate your access in accordance with these Terms. Sections that by their nature must survive (liability, indemnification, applicable law, etc.) will remain in effect.

28. Miscellaneous

Severability: if a clause is invalid, the rest remains in effect.
No waiver: not enforcing a right is not a waiver.
Assignment: Causfy may assign these Terms in the context of restructuring/sale; you may not assign them without consent.
Entire agreement: these Terms and incorporated documents constitute the entire agreement.