Terms & Conditions

1. Acceptance & Eligibility

These Terms & Conditions (the "Terms") are a binding agreement between you and Pledgix LLC (EIN 42-2101964), 10 Willow Dr., Suffern, NY 10901, United States ("Pledgix," "we," "us"). They govern your access to and use of the Pledgix fundraising platform — pledgix.com, admin.pledgix.com, dash.pledgix.com, campaign pages served on custom domains, and our telephone, SMS, and email services (collectively, the "Platform") — whether you use it as a donor, a campaign organizer, an administrator, a team member, or a volunteer.

By creating an account, making a donation, or otherwise using the Platform, you accept these Terms and our Privacy Policy. You must be at least 18 years old and capable of forming a binding contract. If you accept on behalf of an organization, you represent that you have authority to bind it. Campaigns operated under the Pledgix One program are additionally governed by the Pledgix One Terms & Conditions, which control over these Terms in the event of a conflict.

2. Our Role: A Technology Platform

Donors are solely responsible for evaluating a campaign before donating. Pledgix may — but is not obligated to — review, verify, restrict, or remove campaigns at its discretion.

3. Accounts, Roles & Security

The Platform provides tiered roles — including campaign owner/super-admin, campaign manager, captain, team member, and donor — each with different permissions. You are responsible for:

• Providing accurate registration information and keeping it current.
• Safeguarding your credentials; everything done under your account is attributed to you.
• The actions of every person you invite into your campaign, at every role level, including team members and volunteer callers.
• Notifying us immediately of any unauthorized use.

We may suspend, reclaim, or terminate accounts, usernames, or campaign URLs that violate these Terms, infringe rights, impersonate others, or squat on names, and may require multi-factor authentication for administrative access.

4. Campaigns & Content Standards

Campaign organizers must ensure that every campaign:

• Is truthful, accurate, and not misleading — including its story, goal, images, matching-round mechanics, and any claims about tax deductibility.
• Raises funds only for the stated purpose and applies funds to that purpose.
• Complies with all laws applicable to the organizer, including charitable-solicitation registration, tax, consumer-protection, and (for political campaigns) election laws.
• Contains no content that is illegal, infringing, defamatory, hateful, or fraudulent.

Matching rounds, multipliers, and bonus displays are presentation mechanics configured by the organizer; the organizer is solely responsible for honoring any match commitments displayed. Pledgix may unpublish, archive, or refuse any campaign at any time, with or without notice, where it reasonably believes these Terms, the law, or the interests of donors or the Platform are at risk.

5. Donations, Fees & Refunds

Donations

Donations are made to the campaign's organizer (or, for Pledgix One campaigns, to Pledgix Charitable Fund Inc. as described in the Pledgix One Terms) — not to Pledgix LLC. Whether a donation is tax-deductible depends on the recipient's status; the organizer is responsible for any deductibility claims. All donations are final when processed.

Platform fee

Pledgix charges a platform fee on donations — by default 3.7% of each donation, or as otherwise configured or agreed for a campaign. The platform fee and payment-processor fees are deducted from campaign proceeds; the amount charged to the donor is the amount the donor chose. Fees are earned when the donation is processed and are non-refundable except as required by law or expressly agreed.

Refunds

Refunds are issued at the organizer's direction or at Pledgix's discretion (for example, for suspected fraud, duplicate charges, or processor error). Refunds are returned via the original payment method and reduce campaign proceeds — including a proportional reduction of any withheld funds. Donors should direct refund requests to the campaign organizer first.

Currency

Multi-currency campaigns convert amounts using prevailing market exchange rates at processing time. Displayed conversions are estimates; the settled amount governs.

6. Fund Holds, Reserves & Payouts

To protect donors, cover chargebacks, and secure our fees, you agree that Pledgix may:

• Withhold, at the time each donation is processed, its platform fee and an additional risk-based hold amount up to a per-campaign cap.
• Impose reserves on campaign proceeds (see the Pledgix One Terms for that program's specific rolling reserve).
• Delay, condition, or withhold payouts pending identity verification, compliance review, chargeback exposure, or investigation of suspected fraud or Terms violations.
• Offset any amounts you owe us — including chargebacks, refunds, fees, and losses — against held funds or future proceeds.

7. Chargebacks & Payment Disputes

Campaign organizers are fully liable for chargebacks, payment disputes, and reversals on their campaigns, including associated processor fees and penalties. Chargeback losses may be recovered from held funds, reserves, future proceeds, or by direct invoice, and are allocated across the parties who received the disputed funds in proportion to the original split. Organizers must cooperate promptly with evidence requests. Excessive chargeback rates are grounds for immediate suspension.

8. Recurring Donations

By setting up a recurring donation, you authorize Pledgix and its payment processors to charge your saved payment method on the schedule you selected (e.g., monthly, or a fixed number of installments) until the schedule completes or you cancel. You can cancel at any time through the link in your receipt/confirmation or by contacting the organizer or contact@pledgix.com; cancellation stops future charges but does not refund past ones. Failed charges may be retried; a plan with repeated failures may be paused or cancelled. Only a payment token is stored — never your card number (see the Privacy Policy).

9. Bank Account Linking (Plaid) & ACH Authorization

Where the Platform offers bank-account linking, verification, or bank-to-bank payments, these services are provided with Plaid Inc. as our service provider. By connecting a bank account you:

• Grant Pledgix and Plaid the right to access and transmit your bank account information (including account identifiers, ownership details, and balances) as needed to verify your account, prevent fraud, and process transfers.
• Agree to Plaid's End User Privacy Policy and acknowledge that your credentials are provided to Plaid directly and are never received by Pledgix.
• Represent that you are an authorized user of the linked account.

Where you authorize an ACH debit or credit (for donations, subscriptions, or payouts), you authorize us and our processors to originate entries to your account under NACHA rules, and to re-initiate returned entries as permitted. You may revoke an ACH authorization by contacting us at least 3 business days before the next scheduled entry; revocation does not affect entries already initiated. This section applies to bank features as and when they are made available to you.

10. Organizer Subscriptions & Billing

Certain Platform features (for example, hosted organization pages and dedicated phone lines) are billed to organizers by subscription or usage. By subscribing you authorize recurring charges to your saved card or bank account. If a charge fails: we retry and notify you; after a grace period the affected services may be suspended; continued nonpayment may result in cancellation, and unpaid balances remain due and may be written off, offset against campaign proceeds, or referred for collection. Taxes on our fees are your responsibility where applicable. Fee changes take effect on renewal with prior notice.

11. Telephony, SMS & Calling Compliance (TCPA)

By using these features, the organizer represents and warrants that:

• It has obtained prior express written consent (or another lawful basis) from every recipient of automated calls, prerecorded-voice calls, and text messages, and maintains records of that consent.
• It will honor opt-outs immediately (the Platform automatically enforces its Do-Not-Call lists and in-call opt-out keys, but the organizer's consent obligations come first).
• It will respect the Platform's calling window (9:00 a.m.–8:00 p.m. recipient local time) and will not attempt to circumvent Platform compliance controls.
• Its volunteers and staff using the call-center tools act under the organizer's supervision and responsibility.

The Platform does not record call audio. SMS content is filtered by Platform compliance rules; attempting to bypass them is a material breach. The organizer will indemnify Pledgix in full for any TCPA or telemarketing claim arising from its campaigns (Section 20).

12. AI Features

AI-assisted features (content generation, caller briefings) produce machine-generated output that may be inaccurate or incomplete. Organizers must review AI output before relying on or publishing it and remain fully responsible for it. AI processing of donor data is described in our Privacy Policy; organizers who enable AI features are responsible for any notices or consents their donor relationships require. AI features are provided as-is and may be modified or withdrawn at any time.

13. Prohibited Conduct

You may not use the Platform to:

• Defraud, mislead, or misrepresent — including fake campaigns, inflated matching claims, self-dealing, or misuse of raised funds.
• Launder money, finance terrorism, evade sanctions (including OFAC), or transact with prohibited parties or jurisdictions.
• Raise funds for anything unlawful, or for categories prohibited by our payment processors' acceptable-use policies (which are incorporated by reference).
• Harvest data, scrape, probe, overload, or interfere with the Platform's security or operation, or access it by automated means without permission.
• Send spam, make calls or texts without required consent, or violate any third party's rights.
• Misrepresent tax-deductible status, charitable registration, or affiliation with Pledgix or Pledgix Charitable Fund Inc.

14. Third-Party Services (Incorporated Terms)

Payments and communications on the Platform are delivered through third-party providers. By using the corresponding features you also agree, as applicable, to: the Stripe Services Agreement and Stripe Connected Account Agreement; the Sola/Cardknox merchant terms and acceptable-use policies; the Twilio Acceptable Use Policy; Telnyx's terms; and Plaid's end-user terms and privacy policy. If a provider suspends or terminates service related to your activity, we may suspend the affected features without liability. We are not responsible for third-party services we do not control.

15. Intellectual Property & Content License

The Platform, its software, design, and branding are owned by Pledgix and its licensors; no rights are granted except the limited right to use the Platform under these Terms. You retain ownership of content you upload. You grant Pledgix a worldwide, non-exclusive, royalty-free license to host, store, reproduce, adapt (e.g., resize images), display, and distribute your content as needed to operate, secure, and promote the Platform and your campaigns, for the duration of your use plus any period required for backups and legal records. You represent that you have all rights needed to grant this license. Feedback you send us may be used without restriction or compensation.

16. Copyright Complaints (DMCA)

If you believe content on the Platform infringes your copyright, send a notice compliant with 17 U.S.C. § 512 to contact@pledgix.com (subject "DMCA Notice") including: identification of the work and the infringing material, its location (URL), your contact information, a good-faith statement, a statement of accuracy under penalty of perjury, and your physical or electronic signature. We will remove or disable access to material in response to valid notices and may terminate repeat infringers. Counter-notices may be submitted to the same address.

17. Privacy

Our collection and use of personal information is described in the Privacy Policy, which is incorporated into these Terms. Organizers act as independent controllers of the donor data they collect through their campaigns and must comply with applicable privacy laws, including honoring donor rights requests that concern their records.

18. Disclaimer of Warranties

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, PLEDGIX DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; THAT ANY CAMPAIGN OR ITS CLAIMS ARE ACCURATE OR LAWFUL; THAT ANY FUNDRAISING GOAL WILL BE ACHIEVED; OR THAT ANY DONATION IS TAX-DEDUCTIBLE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY EXCLUSIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

19. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (A) PLEDGIX AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DONATIONS, LOST DATA, OR LOSS OF GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY; AND (B) PLEDGIX'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE PLATFORM WILL NOT EXCEED THE GREATER OF (i) THE PLATFORM FEES YOU PAID TO PLEDGIX IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (ii) ONE HUNDRED U.S. DOLLARS ($100). THESE LIMITS APPLY TO ALL THEORIES OF LIABILITY AND DO NOT LIMIT LIABILITY THAT CANNOT BE LIMITED BY LAW.

20. Indemnification

You will defend, indemnify, and hold harmless Pledgix LLC, Pledgix Charitable Fund Inc., and their respective officers, directors, employees, and agents from and against all claims, damages, losses, liabilities, penalties, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your campaigns and content; (b) your use of the Platform in violation of these Terms or the law; (c) calls, texts, or emails you or your volunteers initiate, including TCPA and telemarketing claims; (d) donor disputes, chargebacks, refunds, and tax or deductibility claims relating to your campaigns; (e) your failure to obtain required consents or registrations; and (f) your violation of any third party's rights. We may assume the exclusive defense of any matter subject to indemnification, and you agree to cooperate.

21. Term, Suspension & Termination

These Terms apply for as long as you use the Platform. We may suspend or terminate your access — and freeze associated campaigns and funds — immediately and without prior notice where we reasonably suspect fraud, illegality, sanctions exposure, excessive chargebacks, nonpayment, risk to donors, or a material breach of these Terms. You may stop using the Platform at any time; organizers should contact us to close campaigns with outstanding funds. Upon termination, sections that by their nature should survive do survive — including fees owed, holds and offsets, content license (for records), disclaimers, limitation of liability, indemnification, and dispute resolution.

22. Governing Law, Arbitration & Class-Action Waiver

These Terms are governed by the laws of the State of New York, without regard to conflicts of law. Any dispute arising out of or relating to these Terms or the Platform will be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (or Commercial Rules for business users), seated in New York. Either party may instead bring an individual claim in small-claims court, and either party may seek injunctive relief in court for intellectual-property misuse or unauthorized Platform access.

You may opt out of arbitration by emailing contact@pledgix.com within 30 days of first accepting these Terms, stating your name and that you opt out of arbitration.

23. Changes & General Provisions

We may modify these Terms; material changes will be announced (email or in-Platform notice) at least 30 days before taking effect where practicable, and continued use after the effective date is acceptance. If any provision is unenforceable, the remainder stays in effect. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or asset sale. Our failure to enforce a provision is not a waiver. These Terms, the Privacy Policy, and (where applicable) the Pledgix One Terms are the entire agreement between you and Pledgix regarding the Platform. Notices to us: contact@pledgix.com or the postal address in Section 1.