Terms and conditions.

Universal Charity provides tools for transparent giving, verified beneficiary requests, guest sponsorship, and internal vault support.

The platform may update features, eligibility rules, review standards, and operational processes as the MVP matures.

Users are responsible for providing accurate registration, beneficiary, sponsorship, and verification information.

The platform may restrict, suspend, or block accounts involved in fraud, abuse, repeated rejected submissions, or activity that creates safety or compliance risk.

The platform fee is additive at external money entry. It is not deducted from the beneficiary destination amount.

Wallet top-up credits clean wallet value after the fee has already been handled. Wallet-funded Direct Giving, vault funding, and sponsorship should not be charged a second platform fee.

Direct gateway flows may include the platform fee at checkout because they bypass an already-funded wallet.

KYC thresholds are based on destination amounts rather than total donor cost including platform fee.

Beneficiary submissions, vault claims, account restrictions, and larger transaction flows may require verification before access is granted.

This page is a working product draft, not final legal advice. Production terms should include organisation details, dispute process, refund policy, jurisdiction, regulatory obligations, and approved contact channels.