HPLY DONATION & REFUND POLICY

This Donation & Refund Policy (the “Policy”) governs charitable Donations initiated through the Services operated by HPLY Inc. (“HPLY,” “we,” “us,” or “our”). It explains how Donations are authorized, processed, recorded, acknowledged, refunded, disputed, and otherwise administered.

By initiating or authorizing a Donation through the Services, you agree to this Policy and the HPLY Terms of Service.

1. Scope and Relationship to Other HPLY Terms

This Policy applies to charitable Donations initiated through HPLY websites, applications, Nonprofit Organization Profiles, payment integrations, and other Donation functionality included in the Services.

This Policy does not govern purchases of merchandise, event admission, memberships, sponsorships, raffles, subscriptions, commercial transactions, or other transactions that are not bona fide charitable Donations unless HPLY expressly makes this Policy applicable to a particular transaction.

This Policy supplements HPLY’s Terms of Service, Privacy Policy, Acceptable Use Policy, and other terms applicable to the Services. Participating Nonprofit Organizations are also subject to the HPLY Nonprofit Organization Participation Agreement.

If this Policy expressly conflicts with the Terms of Service concerning a Donation-specific matter, this Policy controls with respect to that matter. Terms independently imposed by a Payment Processor govern the services provided by that Payment Processor.

2. Definitions

For purposes of this Policy:

“Donation” means a charitable contribution initiated through the Services and designated for an eligible participating Nonprofit Organization. The selected Donation amount or “Donation principal” is the charitable amount selected by the Donor before any separately disclosed amount added to cover fees.

“Donor” means an individual or entity that initiates or authorizes a Donation through the Services.

“Nonprofit Organization” means a nonprofit organization approved by HPLY to participate in the Services.

“Nonprofit Organization Profile” means information concerning a Nonprofit Organization that HPLY displays or otherwise makes available through the Services.

“Payment Processor” means Stripe, when processing Donations through Stripe Connect, or another payment processor or financial-services provider designated by HPLY where applicable.

“Personal Information” means information that identifies, relates to, describes, or can reasonably be linked to an identifiable individual.

“Service Fee” means HPLY’s fee for facilitating a Donation or providing related Services. HPLY currently charges a Service Fee equal to one percent (1%) of the selected Donation principal, subject to ordinary currency rounding.

“Services” means HPLY-operated websites, applications, nonprofit portals, donor services, payment integrations, communications, and related technology or services made available by HPLY.

3. HPLY’s Role

HPLY operates a technology platform that helps Donors discover participating Nonprofit Organizations and facilitates charitable Donations.

HPLY is not the charitable recipient of a Donation unless HPLY expressly states otherwise for a particular transaction. HPLY does not take possession or ownership of the charitable Donation principal as an intermediary fund merely because a Donation is initiated through the Services.

Donations are currently processed by Stripe through Stripe Connect. HPLY may designate another Payment Processor in the future.

Subject to the applicable payment architecture and legal requirements, Donations are processed through the recipient Nonprofit Organization’s connected payment account. HPLY may receive its separately disclosed Service Fee through the Payment Processor. Payment Processor fees are separate from HPLY’s Service Fee and are imposed or determined by the Payment Processor, not received by HPLY as an HPLY fee.

HPLY does not control a Nonprofit Organization’s charitable programs, governance, personnel, expenditures, or use of unrestricted charitable assets. Each Nonprofit Organization remains responsible for its own charitable activities and use of Donations in accordance with applicable law, its governing documents, donor-facing representations, and accepted donor restrictions.

HPLY’s review, approval, listing, verification, ranking, recommendation, or presentation of a Nonprofit Organization does not constitute a guarantee of that Nonprofit Organization’s charitable impact, financial condition, governance, legal compliance, use of funds, or suitability for a Donor’s objectives.

4. Eligibility to Make a Donation

A Donor must be at least 18 years old, have legal capacity to authorize the applicable payment, and comply with this Policy, the Terms of Service, the Acceptable Use Policy, applicable law, and applicable Payment Processor requirements.

A Donor may not initiate a Donation using stolen or unauthorized payment credentials, on behalf of a prohibited or sanctioned person, from a prohibited jurisdiction, or for an unlawful, fraudulent, deceptive, abusive, or otherwise prohibited purpose.

HPLY or a Payment Processor may require additional authentication, identity verification, payment verification, or other information before accepting or completing a Donation.

HPLY may decline, restrict, delay, hold, cancel, reverse, or otherwise prevent a Donation where eligibility cannot be established or where HPLY or a Payment Processor identifies fraud, security, sanctions, legal, payment, or other material risk.

5. Selecting a Nonprofit Organization

The Donor is responsible for reviewing and selecting the intended Nonprofit Organization before authorizing a Donation.

HPLY may display information supplied by a Nonprofit Organization or obtained from government records, public records, and other lawful sources. HPLY may review Nonprofit Organization eligibility through its own review process, but HPLY does not guarantee that every item of Nonprofit Organization information will remain complete, current, or error-free at all times.

A featured placement, recommendation, verification indicator, ranking, category, label, or similar presentation does not guarantee a Nonprofit Organization’s effectiveness, financial condition, legal compliance, future eligibility, or use of Donations.

Donors should conduct any additional diligence they consider appropriate before making a Donation.

6. Donation Authorization

By selecting a Nonprofit Organization and Donation amount and submitting a Donation, the Donor authorizes HPLY and the Payment Processor, as applicable, to initiate and administer the transaction.

That authorization includes permission to process the payment; calculate and collect the disclosed HPLY Service Fee and applicable Payment Processor charges; exchange information reasonably necessary for payment processing, fraud prevention, legal compliance, Donation administration, refund-request administration, and reconciliation; create and maintain transaction records; and administer approved refunds, reversals, disputes, returns, or other lawful adjustments.

Depending on the option presented to and selected by the Donor, the HPLY Service Fee and estimated Payment Processor fee may be added to the selected Donation principal or taken into account in calculating the amount expected to be received by the Nonprofit Organization. The applicable amounts are disclosed through the Donation flow before authorization.

The Donor represents that the selected payment method is valid, that the Donor is authorized to use it, and that information submitted in connection with the Donation is accurate.

Before submitting a Donation, the Donor is responsible for reviewing the intended Nonprofit Organization, selected Donation principal, total amount to be charged, payment method, any recurring frequency, applicable HPLY Service Fee, disclosed Payment Processor fee or estimate, available anonymity or privacy choice, and any designation or tribute information.

Electronic acceptance, payment records, account activity, transaction logs, authentication records, device information, and other reliable electronic evidence may be used to establish a Donation authorization and transaction history, subject to applicable law.

7. Payment Processing

Donations are currently processed by Stripe through Stripe Connect. HPLY may designate another Payment Processor in the future.

HPLY currently supports eligible card payments and U.S. bank-account or ACH payments through the applicable Payment Processor where those methods are made available in the Donation flow.

Payment processing may also involve banks, card networks, bank-payment networks, digital-wallet providers where supported by the Payment Processor, fraud-prevention services, connected-account providers, and other financial intermediaries.

A Payment Processor or other provider may independently collect payment credentials, billing information, identity information, device information, fraud signals, or other information under its own agreements and privacy notices.

HPLY does not control a Payment Processor’s authorization decisions, underwriting, fraud models, transaction review, settlement timing, reserves, payment-network rules, account restrictions, chargeback decisions, ACH returns, or other independent regulated payment activities.

A Payment Processor fee displayed before final settlement may be an estimate. The actual fee assessed by the Payment Processor may differ from the estimate based on the payment method, transaction details, applicable pricing, or other factors controlled by the Payment Processor. HPLY does not receive the Payment Processor’s processing fee as an HPLY fee.

A Donor may be required to accept separate Payment Processor terms or complete additional authentication before a Donation can be processed.

8. When a Donation Is Complete

Submission or authorization of a Donation, receipt of an initial on-screen confirmation, or creation of a pending transaction record does not necessarily mean that a Donation has been finally completed or settled.

Card and bank-account payments may be subject to different processing timelines. U.S. bank-account or ACH payments are asynchronous and may remain pending or processing for several business days. HPLY does not guarantee a particular bank-processing or settlement time.

HPLY generally treats Payment Processor-confirmed payment information as authoritative for determining whether a Donation has successfully completed. Completion may depend on payment authorization, fraud and sanctions screening, Payment Processor acceptance, successful payment, settlement-related information, Nonprofit Organization payment eligibility, regulatory review, and the absence of a refund, return, reversal, chargeback, dispute, legal hold, or technical failure.

An ACH or other bank payment may fail, be returned, reversed, disputed, or otherwise fail to complete after it has been initiated. A payment that was previously recorded as successful may also later be adjusted where authoritative Payment Processor information establishes a return, reversal, dispute, refund, or other subsequent payment event.

HPLY may display transaction statuses such as pending, processing, completed, failed, canceled, refunded, partially refunded, reversed, returned, disputed, or other statuses appropriate to the applicable payment flow.

HPLY may correct transaction status, Donation History, Donation totals, HPLY Points, or related records when reasonably necessary to reflect authoritative Payment Processor information, a refund, return, reversal, dispute, settlement result, technical correction, or legal requirement.

Payment authorization does not guarantee final settlement.

9. Service Fee

HPLY currently charges a Service Fee equal to one percent (1%) of the selected Donation principal, subject to ordinary currency rounding.

Depending on the Donation option presented to and selected by the Donor, the HPLY Service Fee and applicable estimated Payment Processor fee may be added to the selected Donation principal or taken into account in calculating the amount expected to be received by the Nonprofit Organization. The applicable fee treatment and total amount to be charged are disclosed through the Donation flow before authorization.

The HPLY Service Fee is separate from fees imposed by the Payment Processor. A Payment Processor, card network, bank, financial institution, digital-wallet provider, currency provider, tax authority, or other independent third party may impose its own charges, assessments, exchange costs, reserves, or other amounts under its terms. Those amounts are not HPLY Service Fees and are not received by HPLY as an HPLY fee.

Before final settlement, a Payment Processor fee displayed through the Services may be identified as estimated. Actual Payment Processor fees may differ from an estimate.

HPLY may change its Service Fee prospectively after providing any disclosure or notice required by applicable law or contract. A change does not retroactively alter a completed Donation except where reasonably necessary to correct an error, administer a refund or other transaction adjustment, or comply with applicable law.

10. Donor Responsibility for Accuracy

The Donor is responsible for confirming the intended Nonprofit Organization, selected Donation principal, total amount to be charged, currency, payment method, frequency, privacy choice, designation, tribute information, billing information, applicable HPLY Service Fee, disclosed Payment Processor fee or estimate, and other submitted information before authorizing a Donation.

A Donor should promptly contact HPLY if the Donor believes a Donation was duplicated, processed in an incorrect amount because of a technical or processing error, made using an unauthorized payment method, directed incorrectly because of an HPLY error, or otherwise requires investigation.

Donations are generally final and non-refundable once successfully processed. A Donor’s change of mind, failure to review transaction details, selection of the wrong Nonprofit Organization, entry of the wrong amount, or later dissatisfaction with a Nonprofit Organization does not by itself create a right to a refund.

An eligible Donor may nevertheless submit a refund request through functionality HPLY makes available as described in this Policy.

11. Recurring Donations

HPLY may offer recurring Donation functionality.

If recurring Donations are available, a Donor may authorize the applicable payment method to be charged at the amount and interval disclosed during enrollment until the recurring authorization is canceled or otherwise terminated.

HPLY may disclose the Donation amount or calculation method, frequency, cancellation method, and other information required by applicable law before a recurring Donation authorization is created.

The Donor is responsible for maintaining current payment and contact information.

The Donor may cancel future recurring Donations using a method HPLY makes available. Cancellation operates prospectively and does not automatically refund a Donation that has already been processed.

HPLY or the Payment Processor may suspend or terminate a recurring Donation authorization because of payment failure, expired credentials, account compromise, Nonprofit Organization ineligibility, legal restrictions, fraud concerns, Payment Processor requirements, or changes to the Services.

A failed recurring Donation may be retried where permitted by applicable law and Payment Processor or payment-network rules. HPLY does not guarantee that a recurring Donation will be processed successfully on every scheduled date.

12. Anonymous and Limited-Disclosure Donations

HPLY may allow a Donor to make a Donation anonymously or to limit information disclosed to the recipient Nonprofit Organization.

An anonymous or limited-disclosure Donation is not necessarily anonymous to HPLY, the Payment Processor, financial institutions, service providers, regulators, courts, tax authorities, or law-enforcement authorities where identifying information is reasonably necessary for payment processing, fraud prevention, security, support, recordkeeping, tax administration, legal compliance, refund administration, or another authorized purpose.

HPLY may make available to a participating Nonprofit Organization donor-submitted and transaction information reasonably necessary for payment processing, reconciliation, legal compliance, Donation administration, administration of a refund request, or fulfillment of an accepted donor restriction.

HPLY does not provide donor names, email addresses, telephone numbers, mailing addresses, or other donor contact information to participating Nonprofit Organizations for their independent fundraising, marketing, advertising, donor acquisition, or unrelated solicitation.

Information that a Donor voluntarily includes in a free-text refund request or other message may be provided to the recipient Nonprofit Organization as part of administering that request. Donors should not include contact information or other Personal Information in a message unless they intend for the recipient Nonprofit Organization to receive it.

Where HPLY offers a donor privacy choice, the Donor is responsible for selecting that choice before submitting the Donation.

HPLY may be unable to retract information that was lawfully transmitted before a Donor changed a privacy choice or requested additional anonymity.

A Nonprofit Organization may be unable to provide a personalized acknowledgment or other personalized communication where the Donor has elected not to provide information necessary for that purpose.

HPLY’s collection, use, disclosure, retention, and protection of Personal Information are governed by HPLY’s Privacy Policy.

13. Donor Designations, Restrictions, and Preferences

HPLY may allow a Donor to identify a program, campaign, purpose, tribute, honoree, geography, or other preference associated with a Donation.

Availability of a designation feature does not necessarily mean that the designation creates a legally binding restriction.

Unless HPLY or the Nonprofit Organization expressly communicates that a designation will be accepted as a legally binding restriction, a designation may be treated as a nonbinding donor preference.

The Nonprofit Organization remains responsible for determining the legal effect of a designation or restriction it accepts and for administering accepted restrictions in accordance with applicable law.

A Donor may not submit a designation that is unlawful, discriminatory, inconsistent with the Nonprofit Organization’s lawful charitable purposes, impossible to administer, intended to create impermissible private benefit, or otherwise prohibited by HPLY policy.

If a Nonprofit Organization cannot honor an accepted restriction, HPLY may assist with communications or consider a refund or other appropriate transaction adjustment, but no particular remedy is guaranteed except as required by law.

14. Charitable Acknowledgments and Receipts

HPLY may provide Donation confirmations, payment confirmations, transaction history, payment status, refund-request status, and refund status as administrative records.

A Donation or payment confirmation generated by HPLY or a Payment Processor is not, by itself, a legally sufficient charitable acknowledgment or tax receipt from the recipient Nonprofit Organization.

Participating Nonprofit Organizations remain responsible for legally required charitable acknowledgments, substantiation statements, quid pro quo disclosures, tax receipts, and other donor documentation unless HPLY expressly agrees in writing to assume a particular responsibility.

HPLY or the Payment Processor may generate, transmit, display, or make available transaction information using information supplied by the Nonprofit Organization, the Donor, or the Payment Processor.

A Donor should review any transaction record and promptly report a material error.

HPLY may issue or facilitate a corrected transaction record or confirmation where reasonably necessary because of an error, refund, return, reversal, Nonprofit Organization-status change, or legal requirement.

Providing transaction information does not mean that HPLY has independently determined that the Donation is deductible for tax purposes.

15. Tax Matters

HPLY does not provide tax advice.

HPLY does not guarantee that any Donation is tax deductible.

The tax treatment of a Donation may depend on applicable law, the Donor’s jurisdiction and individual circumstances, the Nonprofit Organization’s tax status, the nature of the transaction, donor restrictions, whether goods or services were received, and the sufficiency of any legally required acknowledgment.

Donors are responsible for determining the tax consequences of their Donations and should consult an appropriately qualified adviser if tax advice is needed.

Participating Nonprofit Organizations remain responsible for their own tax, reporting, substantiation, and charitable-acknowledgment obligations unless HPLY expressly agrees otherwise in writing.

16. General Refund Rule

Donations are generally final and non-refundable once successfully processed.

A Donor does not have a general right to cancel or recover a Donation merely because the Donor changes their mind, later prefers another Nonprofit Organization, disagrees with a Nonprofit Organization, expected a different tax result, or no longer wishes to make the Donation.

For an eligible Donation, HPLY may make a structured refund-request process available through an authenticated HPLY account, Donation History or confirmation functionality, or, for an eligible guest Donation, through a secure Donation confirmation or transaction flow.

Submitting a refund request does not guarantee a refund, does not constitute approval, and does not itself reverse or refund the payment.

An ordinary Donor refund request is transmitted or made available through HPLY to the recipient Nonprofit Organization. The recipient Nonprofit Organization determines whether to approve or deny the eligible request, subject to applicable law, Payment Processor requirements, payment-network rules, and HPLY platform requirements.

HPLY may limit refund-request eligibility based on payment status, payment method, dispute status, prior refund activity, available refundable amount, or other legitimate transaction conditions. Under HPLY’s current workflow, a Donor may submit one refund request for an eligible Donation. Denial of that request does not create a right to submit another Donor-initiated refund request for the same Donation.

Nothing in this Policy limits a refund, reversal, return, or other payment right that cannot lawfully be waived.

17. Donor Refund Requests

An eligible Donor may submit a refund request through refund-request functionality HPLY makes available.

A refund request may require the Donor to identify the amount requested and provide a message or explanation for the recipient Nonprofit Organization. HPLY may impose reasonable technical limits on the request.

Pending, processing, failed, canceled, fully refunded, returned, disputed, or otherwise ineligible Donations may not support a Donor refund request. HPLY may also prevent a new request while another refund action is actively processing.

HPLY may provide the recipient Nonprofit Organization with transaction information, the requested refund amount, the Donor’s submitted message, payment-method information reasonably necessary to administer the request, and other information reasonably necessary for the refund workflow. HPLY does not provide donor contact information for independent fundraising, marketing, advertising, donor acquisition, or unrelated solicitation.

HPLY may communicate the Nonprofit Organization’s decision, response, and refund status to the Donor.

HPLY does not independently determine whether an ordinary Donor refund request should be approved.

18. Nonprofit Organization Refund Decisions

The recipient Nonprofit Organization may approve or deny an eligible Donor refund request, subject to applicable law, Payment Processor requirements, payment-network rules, available refundable amounts, and HPLY platform requirements.

The Nonprofit Organization may provide a response or message to the Donor through HPLY. HPLY may require an appropriate response as part of the approval or denial workflow.

For an eligible card Donation, the Nonprofit Organization may approve all or part of the requested Donation principal where partial refunds are supported.

Certain payment methods are subject to additional refund limitations. HPLY currently supports only full refunds for eligible U.S. bank-account or ACH Donations.

Approval of a refund request authorizes HPLY to calculate and technically facilitate the approved refund through Stripe Connect or another Payment Processor. Approval does not guarantee that the Payment Processor will successfully complete the refund.

Denial of a refund request does not affect rights or remedies independently available under applicable law or applicable payment-network or Payment Processor rules.

19. HPLY’s Refund Facilitation Role

HPLY provides the technology through which eligible refund requests may be submitted, reviewed, approved, denied, communicated, and technically processed.

HPLY does not substitute its own ordinary refund judgment for the recipient Nonprofit Organization’s decision on a Donor refund request.

When a recipient Nonprofit Organization approves an eligible refund, HPLY may calculate the supported refund amount and initiate or otherwise technically facilitate the refund through Stripe Connect or another Payment Processor.

HPLY may display a refund as requested, approved, denied, processing, completed, failed, review-required, or another appropriate status based on the applicable workflow and Payment Processor information.

HPLY may take independent transaction action outside the ordinary Donor-request workflow where reasonably necessary to address a legal requirement, Payment Processor or payment-network requirement, fraud, unauthorized activity, sanctions, security risk, duplicate processing, technical error, dispute, return, reversal, or other payment-integrity issue.

20. Full Refunds and Fee Treatment

For an approved full refund, HPLY’s current refund process is designed to return the original gross amount charged to the Donor for the applicable Donation transaction, subject to successful processing by the Payment Processor.

Where the Donor selected an option under which fees were added to the Donation principal, the gross refund may include those amounts as part of returning the original amount charged. Where fees were instead taken into account in calculating expected Nonprofit Organization proceeds, the gross amount charged may equal the selected Donation principal.

HPLY refunds its applicable Service Fee in connection with an approved refund according to the refund amount supported by the transaction. For a full approved refund, HPLY returns its applicable Service Fee in full.

A Payment Processor may retain processing fees associated with the original Donation. Whether and to what extent the Payment Processor returns its own fees is determined by the Payment Processor’s applicable rules and pricing. HPLY does not guarantee recovery or reimbursement of Payment Processor fees to the recipient Nonprofit Organization.

Under HPLY’s current refund model, retained Payment Processor fees are not deducted from the approved amount returned to the Donor.

21. Partial Card Refunds

For an eligible card Donation, a recipient Nonprofit Organization may approve a refund for less than the requested Donation principal where HPLY and the Payment Processor support a partial refund.

For an approved partial card refund, HPLY calculates the supported amount returned to the Donor and refunds the corresponding portion of HPLY’s Service Fee. HPLY may use cumulative calculations across multiple supported refund operations so that total refunds do not exceed the amounts available for the original transaction.

Under HPLY’s current model, Payment Processor fees retained by the Payment Processor are not deducted from the approved partial refund returned to the Donor.

A partial refund does not create a right to a refund of the remaining Donation amount.

HPLY currently does not support partial refunds for U.S. bank-account or ACH Donations through its refund workflow.

22. HPLY-Initiated Refunds and Adjustments

The ordinary Donor refund-request workflow is decided by the recipient Nonprofit Organization as described above.

Separately, HPLY may facilitate or initiate a refund, reversal, cancellation, record correction, or other transaction adjustment without an ordinary Donor refund decision where reasonably necessary to address a legal requirement, Payment Processor or payment-network requirement, fraud, unauthorized activity, sanctions concerns, security risk, duplicate processing, technical or processing error, dispute, return, reversal, Nonprofit Organization ineligibility, or the integrity of the Services.

A Nonprofit Organization may also initiate an eligible refund through functionality HPLY makes available, subject to applicable law, Payment Processor requirements, payment status, available refundable amounts, and HPLY platform requirements.

Where appropriate and legally permitted, HPLY may notify the affected Donor or Nonprofit Organization of a material adjustment.

23. ACH and Bank-Account Refunds

U.S. bank-account and ACH Donations are subject to additional payment and refund limitations because those payment methods are asynchronous and may remain pending or processing before successful payment is confirmed.

A pending or processing ACH Donation is not eligible for the ordinary Donor refund-request workflow under HPLY’s current implementation. The original payment must first be confirmed as successfully paid before HPLY can process an eligible refund request.

HPLY currently supports only full refunds for eligible ACH or bank-account Donations. Partial ACH refunds are not currently supported through HPLY’s refund workflow.

An ACH refund remains subject to Payment Processor requirements, payment status, dispute or return history, available refundable amounts, and applicable law.

HPLY may change supported bank-payment refund methods or limitations prospectively as its Services or Payment Processor capabilities change.

24. Refund Timing

Approval or initiation of a refund does not mean that the refund has been finally completed or that the refunded amount will immediately appear in the Donor’s account.

HPLY may display an approved refund as processing while the Payment Processor, card network, bank, or other financial institution completes the applicable steps.

Refund processing and posting time depends on the Payment Processor, payment method, card network, bank, financial institution, transaction status, and other circumstances outside HPLY’s direct control. ACH or bank-account refunds may take several business days.

HPLY does not guarantee a particular date by which a refund will be completed or credited after it has been approved or initiated.

If a Payment Processor rejects, fails, delays, or otherwise does not complete an approved refund, HPLY may display an updated status, facilitate an appropriate retry or review where supported, or take another reasonable action consistent with applicable law and the Payment Processor’s requirements.

A Donor should contact the applicable bank, card issuer, or payment provider if a confirmed completed refund does not appear within that provider’s ordinary posting period.

25. Chargebacks and Payment Disputes

Donors retain rights available through their card issuer, bank, Payment Processor, payment network, or applicable law.

A card dispute or chargeback, ACH return or reversal, bank dispute, provider dispute, or other external payment event may be investigated and decided under rules that HPLY does not control.

HPLY may provide transaction records, authorization evidence, communications, account information, or other information reasonably necessary to respond to a payment dispute, subject to applicable law and HPLY’s Privacy Policy.

HPLY may correct Donation status, Donation History, Donation totals, HPLY Points, or other success-dependent benefits to reflect the actual Payment Processor-authoritative outcome of a chargeback, dispute, ACH return, reversal, refund, failed payment, or other payment event.

A Donor may not knowingly make a false claim that an authorized Donation was unauthorized, intentionally submit duplicate disputes, manufacture a chargeback, or otherwise abuse payment-dispute procedures.

HPLY may restrict account or Donation activity in response to suspected dispute abuse, fraud, or payment risk.

A chargeback, return, reversal, or payment dispute may affect the amount ultimately received or retained by the Nonprofit Organization.

26. Fraud Prevention, Sanctions, and Transaction Review

HPLY and its providers may use automated and manual measures to review Donations for fraud, account compromise, payment abuse, sanctions, security, legal, and other risk.

HPLY or a Payment Processor may request additional authentication, identity information, payment verification, or other information reasonably necessary to evaluate a transaction.

A Donation may be delayed, declined, held, canceled, reversed, refunded, or otherwise restricted based on applicable law, sanctions screening, fraud indicators, Payment Processor rules, security concerns, legal process, Nonprofit Organization eligibility, or other material risk.

The Services may not be used for money laundering, terrorist financing, sanctions evasion, bribery, trafficking, payment-card abuse, stolen payment credentials, identity theft, concealment of unlawful proceeds, or other unlawful financial activity.

HPLY is not required to disclose confidential fraud-detection methods, security logic, risk models, investigation criteria, or other information whose disclosure could facilitate abuse.

HPLY may preserve and disclose information to Payment Processors, banks, card networks, regulators, courts, law-enforcement authorities, or other appropriate parties where permitted or required by law and reasonably necessary for payment administration, security, fraud prevention, or legal compliance.

27. Prohibited Donation Activity

A Donor may not use Donation functionality for a transaction that is not a bona fide charitable Donation unless HPLY expressly authorizes the transaction and all applicable legal requirements are satisfied.

Prohibited uses include disguising retail purchases, personal transfers, loans, investments, political contributions, raffles, gambling transactions, commercial payments, or other non-donation activity as charitable Donations.

A Donor may not use another person’s payment method without authorization, provide materially false information, test stolen payment credentials, manipulate payment systems, create artificial transaction volume, evade transaction limits or screening, or abuse refund or dispute procedures.

Donation activity remains subject to HPLY’s Acceptable Use Policy.

28. Currency, Geography, and Payment Availability

HPLY may limit Donation functionality by jurisdiction, currency, payment method, transaction amount, Nonprofit Organization, account type, or other eligibility criteria.

HPLY may restrict Donation activity based on sanctions, charitable fundraising requirements, payment availability, tax considerations, fraud risk, regulatory requirements, Payment Processor rules, or other legal or operational considerations.

A Payment Processor, card issuer, bank, digital wallet, or currency provider may impose foreign-transaction fees, conversion charges, exchange rates, or other amounts independently of HPLY.

HPLY does not control third-party currency conversion rates or third-party fees.

HPLY currently focuses its nonprofit participation program on eligible U.S. Nonprofit Organizations but may expand Donation functionality or nonprofit participation internationally in the future.

Where HPLY Points or other success-dependent promotional benefits are available, initiating or authorizing a payment does not guarantee that the Donation will contribute to Points, Donation totals, or other benefits. Pending, processing, failed, canceled, returned, or otherwise unsuccessful payments may receive no credit.

HPLY may credit Points or other benefits after successful payment is confirmed under the applicable program rules. A full or partial refund, ACH return, reversal, qualifying dispute, chargeback, or other invalidation of a Donation may cause the associated Donation to cease contributing to Points, credited Donation totals, or other success-dependent benefits, and HPLY may remove or adjust the corresponding credit.

Points remain subject to the applicable HPLY loyalty-program terms and disclosures.

29. Donor Information and Privacy

HPLY handles Personal Information associated with Donations in accordance with its Privacy Policy.

HPLY may collect, use, disclose, retain, and otherwise process information reasonably necessary to administer Donations, authenticate transactions, display transaction history, prevent fraud, comply with law, provide support, administer refund requests, communicate Nonprofit Organization responses, process approved refunds, reconcile transactions, maintain records, enforce HPLY policies, and operate the Services.

A participating Nonprofit Organization receives only donor-submitted and transaction information reasonably necessary for payment processing, reconciliation, legal compliance, Donation administration, administration of an eligible refund request, fulfillment of an accepted donor restriction, or another purpose expressly authorized by the Donor or required by applicable law.

HPLY does not provide donor names, email addresses, telephone numbers, mailing addresses, or other donor contact information to participating Nonprofit Organizations for their independent fundraising, marketing, advertising, donor acquisition, or unrelated solicitation activities.

A Donor’s privacy or anonymity choice may affect the information available to a Nonprofit Organization.

Information a Donor voluntarily enters into a refund-request message may be transmitted to the recipient Nonprofit Organization to administer that request. Donors should not include contact information or other Personal Information in a refund-request message unless they intend for the recipient Nonprofit Organization to receive it.

Nothing in this Policy requires HPLY to disclose donor contact information to a Nonprofit Organization.

30. Electronic Communications and Records

HPLY may provide Donation confirmations, payment-status information, transaction history, refund-request confirmations, Nonprofit Organization responses, refund status, dispute notices, security notices, legal notices, and other transaction-related communications electronically where permitted by applicable law.

Availability of a particular communication method may vary by transaction, account status, payment method, and feature. HPLY does not guarantee that every payment or refund status will be communicated through every channel.

A Donor is responsible for maintaining accurate contact information and monitoring communications reasonably related to Donation activity.

Failure to receive a communication because of outdated information, spam filtering, mailbox limitations, device settings, loss of access to a guest confirmation flow, or another circumstance outside HPLY’s reasonable control does not invalidate an otherwise authorized transaction or legally sufficient notice except where applicable law provides otherwise.

HPLY may maintain electronic records relating to Donation instructions, authorizations, disclosures, transaction status, Service Fees, Payment Processor fee estimates or actuals where available, confirmations, refund requests, Nonprofit Organization responses, refunds, returns, reversals, disputes, fraud review, and related activity.

Reliable electronic records, Payment Processor records, system logs, account activity, authentication records, and communications may be used to establish transaction history, subject to applicable law.

HPLY may correct clerical, calculation, status, or reporting errors and may issue an updated record.

31. Nonprofit Organization Responsibilities

Each Nonprofit Organization remains responsible for the lawful receipt, management, accounting, stewardship, reporting, and expenditure of Donations designated for it.

Nonprofit Organizations must use Donations in accordance with applicable law, their governing documents, their charitable mission, donor-facing representations, and accepted donor restrictions.

Nonprofit Organizations remain responsible for required charitable acknowledgments and tax documentation unless HPLY expressly agrees otherwise in writing.

Nonprofit Organizations must maintain legal authority to participate, receive Donations, and conduct applicable charitable fundraising activities and must maintain accurate Payment Processor onboarding, connected-account, banking, and payout information required for Donation processing and refunds.

Nonprofit Organizations must reasonably cooperate with HPLY and the Payment Processor concerning Donation reconciliation, refund requests, refund decisions and responses, approved refunds, ACH returns, reversals, disputes, chargebacks, receipts, regulatory obligations, fraud review, legal process, and other legitimate Donation-administration matters.

Nonprofit Organizations acknowledge that Payment Processor fees associated with an original Donation may not be returned when a Donation is refunded. HPLY does not guarantee recovery or reimbursement of Payment Processor fees to the Nonprofit Organization.

Nonprofit Organizations acknowledge that bank-account or ACH payments may remain pending or processing and may subsequently fail, be returned, reversed, disputed, or otherwise not complete. HPLY may update transaction status, dashboard amounts, Donation totals, and other records to reflect authoritative Payment Processor information.

HPLY may restrict Donation functionality for a Nonprofit Organization that no longer satisfies applicable eligibility, payment, legal, regulatory, or HPLY requirements.

32. Third-Party Services

The Services may rely on Payment Processors, banks, card networks, digital-wallet providers, hosting providers, communications providers, fraud-prevention providers, security vendors, and other independent third parties.

Those parties may operate under their own agreements, privacy notices, technical rules, and legal obligations.

To the fullest extent permitted by applicable law, HPLY is not responsible for the independent acts, omissions, outages, authorization decisions, delays, restrictions, security practices, or legal obligations of third parties HPLY does not control.

A third-party failure, suspension, restriction, or termination may affect Donation functionality even where HPLY’s Services otherwise remain available.

33. No Tax, Legal, or Financial Advice

HPLY does not provide legal, tax, accounting, financial, investment, or other professional advice through this Policy or merely by operating the Services.

Information made available through the Services is not a substitute for advice from an appropriately qualified professional.

HPLY does not guarantee the tax treatment, deductibility, legal effect, accounting treatment, or financial consequence of any Donation.

34. Warranties and Disclaimers

The generally applicable warranties and disclaimers governing the Services are set forth in the HPLY Terms of Service.

Without limiting those provisions, HPLY does not guarantee that a Donation will be authorized, completed, settled, received, refunded, or deductible for tax purposes, or that Donation functionality will be uninterrupted or available for every Donor, Nonprofit Organization, payment method, or jurisdiction.

Nothing in this Policy limits an express warranty, statutory guarantee, consumer protection, or other right that applicable law does not permit HPLY to disclaim.

35. Limitation of Liability

The limitations and exclusions of liability applicable to HPLY, Users, and use of the Services are governed by the HPLY Terms of Service.

Nothing in this Policy expands HPLY’s liability beyond the liability applicable under the HPLY Terms of Service or limits any liability that applicable law does not permit HPLY to exclude or limit.

36. Indemnification

Indemnification obligations applicable to users are governed by the HPLY Terms of Service.

Nonprofit Organization-specific indemnification obligations are governed by the HPLY Nonprofit Organization Participation Agreement.

37. Governing Law and Dispute Resolution

Governing law and dispute resolution applicable to an individual Donor or other User are governed by the HPLY Terms of Service, including its informal dispute-resolution process, individual arbitration provisions, applicable exceptions, class and representative-action waiver, jury-trial waiver, and government-agency reporting protections.

If a dispute is between HPLY and a participating Nonprofit Organization acting in its organizational capacity, the governing-law and dispute-resolution provisions of the HPLY Nonprofit Organization Participation Agreement govern that Nonprofit Organization-specific dispute.

Nothing in this Policy waives a right or remedy that applicable law does not permit the parties to waive.

38. Force Majeure

HPLY is not responsible for delay or failure to perform caused by circumstances beyond its reasonable control, including natural disasters, severe weather, fire, flood, war, terrorism, civil unrest, labor disputes, epidemics or pandemics, cyberattacks, telecommunications failures, internet disruptions, utility failures, governmental actions, legal restrictions, Payment Processor outages, banking interruptions, payment-network failures, or failures of third-party infrastructure.

This Section does not excuse obligations that can reasonably be performed notwithstanding the applicable event.

39. Changes to this Policy

HPLY may update this Policy prospectively to reflect changes in law, regulation, technology, security practices, Payment Processor requirements, Donation functionality, fraud risks, nonprofit programs, or business operations.

HPLY may provide notice of material changes through the Services, by email, by posting an updated Policy, or through another reasonable method where notice is required by applicable law.

Where applicable law requires affirmative consent to a change, HPLY may request that consent.

Continued use of Donation functionality after an updated Policy becomes effective may constitute acceptance of the updated Policy where permitted by applicable law.

An update does not retroactively alter rights or obligations arising from completed conduct except where applicable law permits or requires otherwise.

40. Severability and No Waiver

If a provision of this Policy is held invalid, illegal, or unenforceable, it will be modified to the minimum extent necessary to make it enforceable if legally permissible. If modification is not permissible, the provision will be severed and the remaining provisions will continue in effect.

HPLY’s failure or delay in enforcing a provision does not waive that provision or any other right.

A waiver is effective only to the extent expressly made by an authorized party.

41. Interpretation and Relationship to Other Agreements

Headings are for convenience and do not affect interpretation.

“Include,” “includes,” and “including” mean “including without limitation.”

The word “may” describes discretion, permission, or potential future functionality and does not create an obligation to introduce or maintain a feature.

This Policy should be read together with HPLY’s Terms of Service, Privacy Policy, Acceptable Use Policy, and other applicable HPLY agreements.

For a participating Nonprofit Organization, the HPLY Nonprofit Organization Participation Agreement governs Nonprofit Organization-specific participation obligations. Payment Processor terms govern services independently supplied by the Payment Processor.

If two applicable HPLY documents address the same subject, the more specific provision controls to the extent of a direct conflict unless an applicable document expressly states otherwise.

42. Survival

Provisions that by their nature should continue after completion of a Donation, termination of an account, deactivation of a Nonprofit Organization, or discontinuation of Donation functionality survive to the extent necessary to fulfill their purpose.

Without limiting the foregoing, provisions concerning Service Fees, Payment Processor fees, refunds, refund requests, returns, reversals, chargebacks, disputes, donor restrictions, tax matters, acknowledgments, records, fraud investigations, Personal Information, payment obligations, HPLY Points adjustments, disclaimers, limitation of liability, indemnification, governing law, arbitration, and retained information survive as applicable.

43. Contact Information

Questions concerning a Donation, refund request, suspected unauthorized transaction, transaction error, or this Policy may be directed to:

HPLY Inc. 3517 Camino del Río South Suite 215, Mailbox #83 San Diego, CA 92108 United States

Email: support@hply.org

A Donor reporting suspected unauthorized use of a payment method should also promptly contact the applicable bank, card issuer, or other payment provider.

Last Updated: September 21, 2026