These Terms and Conditions ("Terms") govern your church's ("Church," "you," or "your") registration, access to, and use of the PewPay platform. By completing the registration process and paying the onboarding fee, you agree to be bound by these Terms on behalf of your organization.

1. Eligibility and Registration

To register as a church on PewPay, you must:

• Be a legitimate religious organization, ministry, or faith-based nonprofit operating within the United States.
• Possess a valid Employer Identification Number (EIN) issued by the Internal Revenue Service (IRS).
• Provide accurate and complete registration information including church name, Tax ID, address, phone number, and authorized administrator contact details.
• Ensure that no other church is already registered on PewPay under the same exact church name.
• Agree to these Terms and our Privacy Policy on behalf of your organization.

The individual completing registration represents and warrants that they have authority to bind the church to these Terms.

2. Onboarding Fee and Payment

A one-time, non-refundable onboarding fee of $500.00 USD is required to submit your church registration for review. Payment must be made via a valid credit or debit card processed through Stripe.

If a valid promo code is applied at registration, the applicable discount will be deducted from the onboarding fee before payment is processed. Promo codes may not be applied retroactively after payment has been submitted.

3. Verification and Approval

After payment, PewPay administrators will review your application to verify the legitimacy of your church. This review typically takes one to two business days and may include verification of your EIN with available IRS records.

PewPay reserves the right to approve or reject any church application at its sole discretion. If approved, you will receive an email notification and your dashboard will become active. If rejected, you will be notified by email with the reason for rejection.

4. Platform Fees and Payouts

PewPay charges a platform fee on each donation received through the platform. This fee is a percentage of the total donation amount, as configured by PewPay administrators. The current fee percentage will be disclosed in your dashboard settings and may change with advance notice.

• Donors are charged the full donation amount they select.
• The platform fee is deducted from the church's payout, not from the donor's charge.
• Payouts to churches are processed via Stripe Connect and are subject to Stripe's standard payout schedule.
• PewPay is not responsible for delays in payouts caused by Stripe, banking institutions, or incorrect banking details provided by the church.

Churches are responsible for ensuring their Stripe Connect account information is accurate and up to date.

5. Church Dashboard and Data

Upon approval, the church's primary administrator will have access to the PewPay church dashboard. The dashboard provides:

• Real-time transaction records including donor name, amount, donation type, date, and payment method.
• Filtering by day, week, month, and year.
• Donor profiles for registered donor accounts.
• Exportable reports in CSV and PDF formats.
• Monthly giving trend charts.
• Year-end tax document generation and management.

The church is responsible for maintaining the confidentiality of its administrator login credentials and for all activities that occur under its account.

6. Team Members and Roles

The primary administrator may invite additional team members to the church dashboard by email. Invited team members must set their own passwords upon accepting the invitation. The primary administrator may assign roles including but not limited to Pastor, Accountant, CPA, and Admin, and may configure permissions that limit what each role can view and do within the dashboard.

The church is solely responsible for the actions of all team members added to its account. PewPay is not liable for unauthorized actions taken by team members invited by the church.

7. Tax Identification and Compliance

Churches must provide a valid EIN at registration. This EIN will be displayed on tax documents generated for donors. The church is solely responsible for the accuracy of its EIN and for the accuracy of any tax-related information provided to PewPay.

PewPay facilitates the generation of donor tax statements as a convenience feature. These statements are based on transaction records within the platform. PewPay does not provide tax advice and is not responsible for errors resulting from inaccurate information provided by the church or the donor.

8. Prohibited Uses

Churches may not use PewPay to:

• Solicit donations for fraudulent, illegal, or non-religious commercial purposes.
• Misrepresent the nature or use of funds collected through the platform.
• Collect donations on behalf of another organization not registered on PewPay.
• Engage in money laundering, terrorist financing, or any other financial crime.
• Attempt to reverse-engineer, copy, or exploit any part of the PewPay platform.

9. Promo Codes and Referrals

PewPay may issue promo codes that reduce the onboarding fee. Promo codes are subject to availability, expiration dates, and usage limits set by PewPay administrators. Churches may enter the name of another church that referred them during registration. Referral information is recorded for internal tracking purposes only and does not entitle the referring church to any financial compensation unless otherwise agreed in writing by PewPay.

10. Account Suspension and Termination

PewPay reserves the right to suspend or terminate a church account at any time if:

• The church violates these Terms or our Privacy Policy.
• Fraudulent, illegal, or abusive activity is detected.
• The church's EIN is found to be invalid or revoked.
• The church fails to respond to compliance requests within a reasonable time.

A church may close its account at any time by contacting support@pewpayapp.com. Upon termination, access to the dashboard will be revoked. Transaction history may be retained for legal compliance purposes. The onboarding fee is non-refundable upon termination.

11. Limitation of Liability

To the fullest extent permitted by applicable law, PewPay shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the platform. PewPay's total liability to any church for any claim arising under these Terms shall not exceed the total onboarding fee paid by that church.

PewPay is not a financial institution, tax advisor, or legal counsel. Any guidance provided through the platform is for informational convenience only.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be submitted to binding arbitration in Delaware, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction.

These Terms and Conditions ("Terms") govern your use of the PewPay platform as a donor, whether you give as a guest or as a registered account holder. By using PewPay to make a donation or by creating an account, you agree to these Terms and our Privacy Policy.

1. Who Can Use PewPay as a Donor

PewPay is available to any individual who wishes to make a financial donation to a verified church listed on the platform. You must be at least 18 years of age, or have the consent of a parent or legal guardian, to use PewPay. By using the platform you represent that you have the legal capacity and authority to enter into these Terms.

2. Guest Giving

PewPay allows you to make a donation without creating an account. When giving as a guest:

• You may browse and select from all verified and active churches on the platform.
• You may choose a preset donation amount or enter a custom amount.
• You will select a donation type: Tithe, Offering, Seed, or Other.
• You may optionally provide your name and email address. If you provide an email address, a receipt will be sent to that address. If you do not provide a name, your donation will appear as "Anonymous" on the church's dashboard.
• Providing your name and email is entirely optional and you may give without entering any personal information.
• Guest donations are not tracked or linked to any PewPay account and will not appear in any giving history or tax document unless you create an account.

3. Creating a Donor Account

You may create a free PewPay account to track your giving history and receive automated year-end tax documents. To create an account you must provide:

• Your full legal name.
• A valid email address.
• A phone number.
• Selection of your primary church from the list of verified churches on the platform.
• A secure password of your choosing.

You will be asked to confirm your selected church before completing registration. You are responsible for ensuring your account information is accurate and kept up to date. You may update your information in your account settings at any time.

4. Making Donations

When making a donation through PewPay you acknowledge and agree that:

• Donations are made directly to the church you select and are not refundable except in the circumstances described in Section 6.
• PewPay is a payment facilitator and is not the recipient of your donation. We are not a religious organization and do not control how churches use donated funds.
• Donation types (Tithe, Offering, Seed, Other) are selected by you and are for categorization purposes. The church receives the funds regardless of the designation selected.
• All listed churches have been reviewed and verified by PewPay; however, PewPay does not guarantee the ongoing legitimacy, financial practices, or governance of any church.
• Preset donation amounts and the ability to enter a custom amount are both available. The minimum donation amount is $1.00.

5. Payment Processing

All payments are processed securely by Stripe Inc., a third-party payment processor. PewPay does not store your full card number, CVV, or bank account details. By submitting a payment you agree to Stripe's terms of service and privacy policy in addition to these Terms.

Accepted payment methods include credit and debit cards, Apple Pay, and Google Pay. The amount you authorize will be charged at the time you confirm your donation. You will not be charged any additional fees as a donor. All platform fees are deducted from the church's payout.

6. Refund Policy

Donations made through PewPay are generally non-refundable as they are voluntary contributions to religious organizations. Refunds may be considered only in the following limited circumstances:

• A duplicate charge occurred due to a technical error.
• An unauthorized transaction was processed on your payment method.
• A transaction error resulted in an incorrect amount being charged.

To request a refund under any of the above circumstances, contact support@pewpayapp.com within 14 days of the transaction with your transaction details. Refund requests are reviewed on a case-by-case basis. PewPay does not guarantee that the receiving church will agree to return any funds already disbursed.

7. Email Receipts and Notifications

If you provide an email address (whether as a guest or registered account holder), PewPay will send a receipt to that address immediately after your donation is processed. The receipt email will be sent from the name of the church you donated to and will thank you for your donation with the amount and date included.

Registered account holders will also receive notifications for account activity including password changes, tax document availability, and important platform updates. You may manage notification preferences in your account settings.

8. Tax Documents

Registered PewPay account holders who make donations to a church in a given calendar year are eligible to receive a year-end giving statement.

• Tax documents are generated automatically and emailed to eligible registered donors on January 1st of the following year for the prior calendar year's giving.
• Tax documents include the donor's name, the church's name and Tax ID (EIN), the total amount donated, and a summary of individual transactions.
• Church administrators may also generate tax documents manually for registered donors at any time.
• Tax documents are not available for guest donations where no account was created.
• PewPay does not provide tax advice. Donors should consult a qualified tax professional to determine whether and to what extent their donations are tax-deductible.

9. Account Security and Password

You are responsible for maintaining the confidentiality of your PewPay account password and for all activities that occur under your account. You must notify us immediately at support@pewpayapp.com if you suspect unauthorized access to your account.

You may reset your password at any time through the "Forgot password?" link on the sign-in screen, or through the Reset Password option in your account settings. PewPay staff will never ask you for your password.

10. Deleting Your Account

You may delete your PewPay account at any time from the Account screen within the app. Account deletion is permanent. Upon deletion:

• Your personal profile data (name, email, phone number) will be removed within 30 days.
• Your giving history and transaction records may be retained in anonymized form for legal and tax compliance purposes as described in our Privacy Policy.
• You will no longer receive tax documents from PewPay for any future giving unless you create a new account.
• Any scheduled or recurring donations will be cancelled.

Deleted accounts cannot be recovered. If you delete your account and later wish to use PewPay again, you will need to create a new account.

11. Limitation of Liability

PewPay is a technology platform that facilitates donations between donors and churches. We are not responsible for how churches use donated funds. To the fullest extent permitted by law, PewPay shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the platform or from any donation made through PewPay.

These Terms do not affect any statutory rights you may have as a consumer under applicable law.

12. Contact and Support