Welcome to Public Fund ("we," "our," "us"). These Terms of Use ("Terms") govern your access to and use of our crowdfunding platform, including our website, mobile applications, and related services (collectively, the "Platform").

By accessing or using our Platform, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Platform.

Public Fund is a crowdfunding platform that enables users to:

• Create and manage fundraising campaigns
• Donate to campaigns created by other users
• Share campaigns through social media and other channels
• Access educational resources about fundraising
• Communicate with campaign creators and supporters

We serve as an intermediary platform connecting campaign creators with potential supporters. We do not endorse, guarantee, or verify any campaigns, and we are not responsible for the success or failure of any campaign.

Account Creation

To use certain features of our Platform, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized use
• Be responsible for all activities under your account

Age Requirements

You must be at least 18 years old or the age of majority in your jurisdiction to use our Platform. By using our Platform, you represent and warrant that you meet these age requirements.

Account Verification

We may require identity verification for certain activities, including creating campaigns or making large donations. You agree to provide requested verification documents promptly and accurately.

Campaign Guidelines

When creating a campaign, you must:

• Provide truthful and accurate information
• Use funds only for the stated purpose
• Provide regular updates to supporters
• Respond to supporter inquiries promptly
• Comply with all applicable laws and regulations

Prohibited Campaigns

You may not create campaigns for:

• Illegal activities or purposes
• Fraudulent or misleading causes
• Hate speech, discrimination, or harassment
• Adult content or services
• Gambling, contests, or sweepstakes
• Political campaigns (where prohibited by law)
• Pyramid schemes or multi-level marketing

Campaign Approval

We reserve the right to review, approve, reject, or remove any campaign at our sole discretion. We may suspend or terminate campaigns that violate these Terms or our community guidelines.

Platform Fees

We charge a platform fee of 5% of funds raised, plus payment processing fees. These fees are deducted automatically from donations.

Payment Processing

We use third-party payment processors to handle transactions. By using our Platform, you agree to:

• Comply with payment processor terms and conditions
• Provide accurate payment information
• Accept responsibility for payment disputes
• Authorize us to charge applicable fees

Refunds and Chargebacks

All donations are final. Refunds may be issued at our discretion in cases of fraud, campaign violations, or technical errors. Chargebacks may result in account suspension.

You agree not to:

Platform Content

Our Platform, including its design, functionality, and content, is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, modify, or distribute our content without permission.

User Content

You retain ownership of content you submit to our Platform. However, you grant us a worldwide, non-exclusive, royalty-free license to use, display, and distribute your content for platform operations and promotion.

Copyright Infringement

We respect intellectual property rights and will respond to valid copyright infringement notices in accordance with the Digital Millennium Copyright Act (DMCA).

Platform Availability

Our Platform is provided "as is" without warranties of any kind. We do not guarantee continuous, error-free, or secure operation of our Platform.

Campaign Verification

We do not verify the accuracy of campaign information or guarantee the success of any campaign. Users are responsible for evaluating campaigns before donating.

Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our Platform.

Termination by You

You may terminate your account at any time by contacting us or using account deletion features. Upon termination, your access to the Platform will cease.

Termination by Us

We may suspend or terminate your account if you:

• Violate these Terms or our policies
• Engage in fraudulent or illegal activities
• Fail to respond to verification requests
• Create security risks for other users

Effect of Termination

Upon termination, you will lose access to your account and data. Active campaigns may be frozen, and funds may be held pending resolution of any disputes.

Governing Law

These Terms are governed by the laws of [Your Jurisdiction] without regard to conflict of law principles.

Arbitration

Any disputes arising from these Terms or your use of our Platform will be resolved through binding arbitration rather than in court, except for claims that may be brought in small claims court.

Class Action Waiver

You agree that disputes will be resolved on an individual basis and waive your right to participate in class action lawsuits or class-wide arbitrations.