Any contribution on helptoaid.org, by an individual, should not be construed as an investment in any form whatsoever.

Donations: In order to contribute to a Campaign or to a Charity, You, as a Donor, represent and warrant to Helptoaid that all information, including information related to credit cards other payment instrument, you provide to Helptoaid is true. You are authorized to use the payment instrument. You agree that a certain minimum Donation amount may apply, and subject to the refund policy, that all Donation payments are final and cannot be refunded. Donors may have the option to contribute recurring period Donations, and in electing to contribute on a recurring basis, you, as a Donor, (i) agree to promptly update your account information with any changes (for example, a change in your billing address or credit card expiration date) that may occur and to pay the Donation amount that you specify, and (ii) hereby authorize Helptoaid to bill your payment instrument in advance on a periodic basis until you terminate such periodic payments through the Platform.

Helptoaid shall transfer payments, net of its costs, charges and fees into the bank account details designated by the Campaign organizer during the fund withdrawal process. Once Helptoaid has made transfers into the designated bank account, Helptoaid shall be discharged of any/all liability towards the Campaign organizer, Champion, Beneficiary, Recipient and contributors/donors and the Campaigner, Champion, Beneficiary, Recipient, donors, and contributors shall not be eligible for any claims and/or refunds thereof.

• The Purpose, has been clearly declared on the fund-raising page, and you have clearly understood the project and the utilization of funds.
• Your donations will be transferred to the Recipient, and will be utilized for the benefit of the Beneficiary.
• Helptoaid and the payment gateway will deduct their fees and applicable taxes before providing the funds to the Recipient. The Company will deduct the fees on behalf of the platform which has hosted the project profile in the internet, and has facilitated the contributions to the project. You understand that the fees are towards web hosting, marketing, and promotion, and that Helptoaid is only facilitating in collection of the fees on behalf of the owners of the Platform.
• Any Tax Deduction Certificate (for Indian contributors only) will be issued by the Charity, as defined in the “Charitable Giving” section of these Terms of Use. Whether such receipt will be provided has been clearly mentioned in the fund-raising page, and you have understood the same. Helptoaid will not be responsible for any Tax certificates or benefits.

Loans: You and other persons (each, a “Lender” and, collectively, “Lenders”) with borrowers and social enterprises in various countries in need of affordable capital (each, a “Borrower” and, collectively, “Borrowers”). In most instances, these Borrowers are considered “high risk” by traditional lenders for a variety of factors, including, but not limited to, the Borrowers’ lack of credit history, the use of the loan proceeds for entrepreneurial endeavors including investment in a “start up” business, and the geographic location including the risk of financial instability and foreign exchange rate fluctuations.

You may participate as a Lender by creating an online account on the Website registered to your email address. All transactions between Lenders and Borrowers or Field Partners must be conducted through a Helptoaid account. The amount of funds you have available in your Helptoaid account that you have deposited and is freely available to be lent is referred to as your “Helptoaid Credit.” If you make a Loan (as defined in the next sentence) through the Website, you are instructing Helptoaid to apply your Helptoaid Credit to fund the specific Loan you have designated on the Website. All Helptoaid Credit in your Helptoaid account must be lent and repaid to your account before you can withdraw it. While making a loan you agree that you understand and accept the process used by Helptoaid to manage loans, and detailed in Loan process.

By lending on Helptoaid, you hereby acknowledge and agree that (a) Helptoaid makes no representation, warranty, covenant or guarantee that any funds you lend to a Borrower via the Website will be repaid in whole or in part, (b) loans and other similar transactions made via the Website (each, a “Loan”) are unsecured and bear a high risk of non-repayment and (c) given your financial situation and objectives, you will lend only those amounts on the Website that you can afford to lose. Loans made via the Helptoaid are philanthropic in nature with no offered rate of return, subject to foreign exchange fluctuations and, as such, are not intended as, and cannot be considered as, an investment in a financial instrument or security. Loans made via Helptoaid are not cancellable or refundable by you.