Terms of Service

1. Parties, scope, and affirmative agreement

These Terms of Service (Terms) govern Interplanetary Fund (IFund), operated by its legally identified owner or business entity (Operator, we, our). IFund provides campaign-creation and management tools, assistance organizing campaign materials, approved promotion through IFund and authorized outside platforms, and optional AI assistance. IFund is developing payment processing that, when approved and enabled, receives eligible donations into its business payment-provider account before paying designated beneficiaries. On member-created campaigns, IFund may act as an authorized fundraising manager, promoter, publisher, or agent; IFund may also create and operate campaigns of its own under separately disclosed arrangements. Actual legal status and duties depend on applicable law, not these labels.

Creating or using an account requires an affirmative acceptance of the version of these Terms presented during onboarding or after a material update. Merely browsing public pages does not itself create an accepted account contract. Additional permissions and terms may apply to payments, third-party connections, subscriptions, and AI actions.

If acting for an organization, you represent that you are authorized to bind it. You are responsible for accurate registration information and safeguarding your account. IFund may suspend access to address fraud, legal process, security incidents, or material violations, subject to applicable law.

2. Eligibility and lawful use

Account holders must be legally capable of entering contracts. A minor may use services requiring an account only through a parent or lawful guardian where permitted by law; some financial or provider features may be limited to adults. No user may misrepresent age, identity, legal standing, charitable status, beneficiary, or financial authorization.

You may not use IFund for fraud, fabricated donations or sales, prohibited financial activity, unlawful solicitations, infringement, impersonation, harassment, sanctions evasion, deceptive endorsements, or unauthorized access to others' accounts. We may require verification or refuse a transaction where necessary to meet legal, provider, or safety requirements.

3. Campaign accuracy, donor expectations, and third parties

A member initiating a campaign ordinarily remains its creator and specifies the fundraising purpose, facts, and intended beneficiary. IFund may help organize and manage that campaign and prepare or distribute promotions under documented authorization, through IFund-owned channels and approved external accounts. Members remain responsible for the accuracy of information and promises they provide; IFund remains responsible for its own representations, delegated acts, financial activity, and applicable fundraising duties. For campaigns IFund separately originates or fully operates, the actual organizer, beneficiary, authority, fees, and responsibilities must be stated in a separate campaign agreement. IFund does not guarantee fundraising success or tax deductibility.

Other fundraising sites, social networks, payment processors, and wallets have their own contractual rules, risks, permissions, and fees. IFund plans to build AI-assisted integration software and obtain required API approvals, partner agreements, and, where available, negotiated exceptions or special permissions for managing and promoting campaigns. Such rights exist only when the specific provider grants them. User permission to IFund alone cannot override provider restrictions. Some external sites presently require manual setup and do not authorize IFund to create fundraisers automatically. Observed external balances are informational, not IFund-held or withdrawable funds merely because they appear in IFund.

4. Donations held by IFund: custody, safeguarding, fees and payout

IF AND WHEN IFUND ENABLES ITS ON-PLATFORM CAMPAIGN CHECKOUT, the implemented PayPal payment design is to receive eligible completed donations into an IFund-controlled business PayPal account, attribute each verified payment to its designated campaign, and pay out eligible beneficiaries later. That model differs from paying the campaign owner directly. These Terms describe the intended payment structure and obligations whenever money is actually received; they do not assert that IFund currently has a positive balance, that campaign checkout is enabled today, or that money-handling licenses, exemptions, or provider approvals have already been obtained.

A verified campaign allocation is an outstanding obligation whenever IFund actually holds the corresponding money on a campaign's behalf. IFund must reconcile verified processor receipts, campaign allocations, refunds, chargebacks, and payouts. Amounts held for campaigns are not IFund's unrestricted operating revenue. Nothing in this agreement transfers ownership of a campaign's funds to IFund merely because IFund controls the payment account.

IFund may use amounts that it has actually earned, such as properly disclosed withdrawal fees or separately authorized direct donations to IFund, subject to law and processor terms. Until an appropriately licensed or exempt money-handling arrangement, specific written provider authorization, and required safeguarding protections are established, IFund may NOT lend, spend, pledge, collateralize, invest speculatively, or otherwise deploy money it owes to campaigns to finance its own business, personal expenses, or third parties. A payout deadline or user acceptance of these Terms does not grant that permission. Any later legally permitted safeguarding of held funds must preserve immediately accessible, properly titled eligible assets sufficient to cover all outstanding recipient obligations, and requires a separately disclosed and legally reviewed policy before implementation.

When legally permitted and operational, IFund aims to make a verified campaign donation allocation available for withdrawal approximately three calendar days after a completed payment is received, provided processor settlement, reconciliation, and required checks have cleared. This is an estimated normal availability window, not a guarantee: processor holds, unresolved disputes, suspected fraud, identity or sanctions screening, legal restrictions, and payment reversals can prevent availability. IFund will show pending versus withdrawable amounts accurately and explain a known hold reason when it can lawfully do so.

The planned standard account allows one payout request per day, while an eligible paid subscription may remove the per-day request restriction if the active service and actual entitlement support it. If this payout feature is enabled and legally permitted, IFund's target for a valid and legally payable withdrawal request is to initiate and complete an authorized payout no later than 14 calendar days after the request, and sooner where applicable law or a provider agreement requires. This 14-day target is not permission to postpone transmission when law requires earlier delivery. It is subject to mandatory freezes, provider holds, fraud or identity checks, court orders, insufficient verified settlement, and other lawful restrictions; IFund must not portray an unresolved payment as paid. If a payout is delayed, IFund must retain the beneficiary's allocation, record the reason, provide status and assistance, and fulfill or otherwise lawfully resolve the obligation as promptly as possible.

At donation checkout IFund will display the entire donor charge, the applicable processor fee, any optional platform contribution, and the estimated amount benefiting the campaign. Under IFund's current fee model, the donor-entered amount includes the payment processor's disclosed fee; the optional platform contribution is allocated from the donation only when affirmatively chosen, and IFund deducts its 7% fee once at campaign withdrawal. Actual provider charges, lawful reversals, refunds and fees may affect the amount due. IFund may not silently add new fees or treat unpaid beneficiary funds as already earned revenue.

A checkout redirect, pledge, or manual entry does not prove money was received. When money handling is enabled, IFund must count receipts as settled only after provider verification and reconciliation. Its intended holding model uses a business PayPal account with campaign-level bookkeeping; unless separately and truthfully documented, IFund does not claim this is an independent licensed escrow account, beneficiary-titled trust account, guaranteed account, or FDIC-insured deposit. The outcome of a provider failure or insolvency, including rights to particular funds, depends on law and the actual account structure, not language invented in these Terms.

Funds can be delayed, frozen, charged back, refunded, or subject to claims under payment-network rules and applicable law. IFund will investigate credible allegations of a lost, duplicated, miscredited, or unremitted donation against provider records, correct verified accounting errors, and return or pay funds when required. A donor's change of mind does not always create a refund entitlement, but nothing here waives mandatory refund, restitution, consumer-protection, banking, or money-transmission rights.

To the maximum extent law permits, IFund is not responsible for losses exclusively caused by a user's independently erroneous beneficiary instructions or an outside provider's actions beyond IFund's reasonable control. This does not waive IFund's duties to safeguard money it controls, perform authorized payouts, maintain accurate financial records, protect payment data, or remedy its own unlawful conduct. IFund will not use this provision to excuse misappropriation, fraud, failure to account for money held, or any other nonwaivable liability.

Cryptocurrency custody, exchange, or transmission is not authorized by accepting these general Terms. Before such a feature is made live, IFund will disclose wallet-control arrangements, supported assets and networks, relevant providers, fees, risks, reversal limits and legally required permissions in a separately reviewed agreement.

5. AI assistance and automated actions

IFund may use internally configured agents, third-party AI models, and open-source components. AI output can contain mistakes, unsupported claims, omissions, or inaccurate recommendations. Review output before relying on it. AI output is not professional legal, tax, investment, financial, or medical advice.

Under separately granted, revocable authorization, a campaign creator may appoint IFund and its agents to help plan, prepare, manage, promote, and publish their campaign through selected channels. These general Terms do not, by themselves, authorize access to external accounts, publication, messaging, creating new accounts, paid commitments, or moving funds. Each action requires the user's relevant permission, actual provider-granted capability, and any provider-specific written AI or commercial agreement that applies. IFund intends to seek special permissions or exceptions where available, but an exemption cannot be assumed until the provider grants it. Preparing content does not itself authorize external publishing; moving money requires separate financial controls.

Where law permits, IFund disclaims guarantees about the correctness, suitability, or uninterrupted operation of AI output and third-party AI systems. Use of open-source software does not eliminate IFund's legal duties for its own conduct, product claims, security, or processing of user information.

6. Content ownership, IP licenses, and publicity

Campaign creators retain ownership of original content they lawfully own and represent they have permission to share the materials they submit. To operate and promote their campaigns, creators grant IFund a worldwide, nonexclusive, royalty-free license to store, reproduce, display, format, adapt for accessibility, and create faithful excerpts of their campaign materials on IFund and IFund-operated promotional channels, subject to campaign controls and any available opt-out. Creators may separately authorize IFund's agents to send or publish those materials through specific connected third-party accounts; such actions remain subject to each provider's approval and terms, including special negotiated permissions where actually granted. Any sublicense is limited to the technical providers needed to fulfill the authorized service; the general content license does not authorize access to outside accounts, spending money, or publication in violation of provider policy. After deletion or withdrawal of optional promotion permission, IFund will stop new discretionary promotions where technically feasible, while lawful records, preexisting external publications, backups, and legal obligations may remain.

IFund's original code, artwork, layouts, brand names, marks, and documentation belong to their respective lawful rights holders, subject to open-source and third-party licenses. No IFund trademark or source-code commercialization license is granted merely through platform access. Unauthorized copying, reverse engineering in violation of applicable law, misleading branding, or infringement is prohibited; lawful interoperability and other nonwaivable rights remain unaffected.

You may not upload content you cannot lawfully license. If you believe content infringes your rights, contact IFund through /contact with enough details to identify the work, location, and alleged violation. Formal DMCA agent registration and takedown processes, if applicable, will be maintained separately. No claim of a registered trademark or universal copyright in AI-only output is made.

7. Risk allocation, warranties, and liability limitation

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES AND OPTIONAL AI FEATURES ARE PROVIDED ON AN AS-AVAILABLE, AS-IS BASIS WITHOUT IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, EXCEPT WHERE SUCH WARRANTIES CANNOT BE DISCLAIMED.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IFUND AND THE OPERATOR'S LAWFUL AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AND CONTRACTORS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR LOST PROFITS OR OPPORTUNITIES ARISING FROM USE OF THE SERVICES. FOR CLAIMS THAT MAY LAWFULLY BE LIMITED, AGGREGATE CONTRACTUAL DAMAGES WILL NOT EXCEED THE GREATER OF (A) THE PLATFORM FEES YOU ACTUALLY PAID TO IFUND IN THE TWELVE MONTHS BEFORE THE EVENT OR (B) US$100.

THIS CAP DOES NOT APPLY TO AMOUNTS IFUND IS REQUIRED TO RETURN OR REMIT, VERIFIED FUNDS OWED TO A BENEFICIARY, WRONGFULLY WITHHELD OR MISALLOCATED HELD DONATIONS, CLAIMS FOR WHICH A LIMITATION IS UNLAWFUL, INTENTIONAL MISCONDUCT, FRAUD, OR OTHER LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW. NOTHING HERE EXCUSES UNLAWFUL FINANCIAL ACTIVITY, MISREPRESENTATIONS, OR NONWAIVABLE CONSUMER REMEDIES. SOME JURISDICTIONS DO NOT PERMIT ALL LIMITATIONS.

To the extent permitted by law, you agree to release IFund from claims caused exclusively by third-party outages, independent campaign creators, market volatility, or your own authorized decisions, except where IFund independently violated an enforceable duty.

8. Indemnification for your wrongful conduct

To the extent permitted by applicable law, users acting in a business or campaign-organizer capacity agree to defend and indemnify IFund and its lawful personnel against third-party claims, reasonable costs, and damages caused by the user's fraudulent campaigns, infringement, knowingly false representations, unlawful content, or material violation of these Terms. This does not require a consumer to cover IFund's own negligence, intentional wrongdoing, or other liabilities that law prohibits transferring. IFund must provide reasonably prompt notice and permit reasonable participation in defense.

9. Disputes and remedies

Contact IFund at the address below before filing a civil claim when practical, describing the problem and the proposed resolution. IFund will try to resolve a complaint in good faith within 30 days. This informal process does not extend or override any mandatory statutory deadline or preserve a right that would otherwise expire.

Where law permits, proceedings should be brought in a court with jurisdiction over the defendant and the dispute. The parties may mutually agree to individual arbitration after a dispute arises, but these Terms do not silently impose mandatory pre-dispute arbitration or a class-action waiver. A separate, clearly disclosed arbitration addendum could be considered after qualified legal review of consumer costs, notice, applicable law, and opt-out rights.

You retain rights to submit complaints to regulators, seek applicable statutory remedies, bring eligible small-claims cases, or obtain any relief that cannot legally be waived by contract.

10. Changes, severability, and notices

We may update these Terms prospectively with a new version and clear notice. Material changes require new affirmative agreement before continued account-based use. Prior transactions are governed by the terms and mandatory rules applicable when they occurred, unless otherwise required by law.

If a provision is found unenforceable, it will be limited to the minimum lawful scope and the remaining provisions continue only where legally appropriate. Failure to enforce a provision is not a waiver of future enforcement. Electronic notices may be delivered in the app and to the contact address the user provides.

For questions, payment disputes, infringement reports, or legal notices: interplanetarysister@gmail.com. These Terms should be reviewed by counsel in IFund's actual operating jurisdiction, especially because IFund already holds campaign donations, and before launching new money handling features, activating crypto custody, expanding to minors, or adding any mandatory arbitration policy.