Supporting good work, on clear terms.

1. Introduction

These Terms of Service (“Terms”) govern your access to and use of the website operated by Kashmir Welfare Foundation (“KWF”, “we”, “us” or “our”), including our donation facilities, shopping basket, checkout, donor accounts, WooCommerce account functions, donor portal, volunteer portal, staff portal, fundraising pages and other online services that link to these Terms.

These Terms are intended to protect supporters, service users and KWF. They do not remove or reduce any rights that cannot lawfully be excluded, including applicable statutory consumer rights.

2. Who we are

Kashmir Welfare Foundation is a UK registered charity supporting charitable programmes including humanitarian relief, healthcare, food, water, education, shelter, income generation, sponsorship, welfare assistance and emergency response.

3. Accepting these Terms

You accept these Terms when you access or use the website, create an account, submit a form, make a donation, start a fundraiser or use a portal. If you do not agree, you should not use the relevant service.

If you use a service on behalf of an organisation, family member, donor, beneficiary or another person, you confirm that you have authority to act for them and bind them where legally permitted.

No employee, volunteer or representative may vary these Terms verbally unless KWF confirms the variation in writing through an authorised person.

4. Eligibility and age requirements

You must be at least 18 years old to enter into a binding financial agreement through the website. A person under 18 may browse public content or use a service under the appropriate supervision and responsibility of a parent or legal guardian.

You must have legal authority to use any payment method submitted and must provide accurate, complete and current information.

Certain programmes, portals, volunteer roles, beneficiary services or sponsorship features may have additional eligibility, identity, location, safeguarding or verification requirements.

5. Using the website

KWF grants you a limited, personal, non-exclusive, non-transferable and revocable right to access and use the website for lawful purposes and in accordance with these Terms.

You agree that you will:

• provide truthful and accurate information;
• use the website only for lawful and genuine purposes;
• respect the dignity, privacy and safety of beneficiaries and other users;
• follow reasonable instructions relating to security or service operation;
• not interfere with, damage or misuse the website or its systems;
• not use another person’s account without authority;
• not present yourself falsely as KWF, a trustee, staff member or authorised representative.

6. Accounts, passwords and security

Some features require an account. You are responsible for the information and activity associated with your account, except to the extent that activity results from KWF’s breach of duty or a security failure outside your reasonable control.

You must:

• keep your username, password and recovery information confidential;
• use a strong password that is not shared with other services;
• keep account and contact information up to date;
• sign out after using a shared or public device;
• notify KWF promptly if you suspect unauthorised access;
• complete additional verification when reasonably required.

“Remember me” may keep you signed in on a device for longer. Do not select it on a public or shared computer.

We may require password resets, revoke active sessions, restrict access or apply multi-factor authentication where necessary to protect users or systems.

7. Digital services and portals

KWF may provide donor, staff, volunteer, beneficiary, sponsorship, fundraising and other portals. Features may include donation histories, recurring-giving controls, documents, notifications, programme information, tasks, case records, reports and role-specific tools.

Access is personal to the authorised user and may be subject to role permissions. The presence of a record in a portal does not necessarily mean that it is complete, final, audited or suitable for another legal or accounting purpose.

Staff and volunteer portals are operational systems. Users must follow all applicable confidentiality, data-protection, safeguarding, information-security and organisational policies in addition to these Terms.

We may introduce, test, modify or withdraw features. Beta or trial features may be less stable and may be changed or discontinued without becoming a permanent service.

8. Donations

Donations are voluntary gifts to support KWF’s charitable purposes. The website may allow you to select a campaign, enter an amount, choose a payment frequency, add items to a basket and complete payment.

You are responsible for checking the donation amount, currency, frequency, campaign, Gift Aid choice, optional contribution and contact details before confirming payment.

A donation does not normally create a right to receive goods, services, influence over trustees’ decisions or a personal benefit, unless a particular lawful arrangement clearly states otherwise.

KWF may refuse or return a donation where accepting it would be unlawful, create an unacceptable risk, conflict with the charity’s purposes or values, impose unreasonable conditions, damage KWF’s independence or reputation, or involve suspected fraud or error.

9. Restricted appeals, campaign purposes and surplus funds

Where an appeal clearly states that donations are for a specific purpose, those funds are restricted and KWF must use them for that purpose, subject to charity law and the exact wording of the appeal.

Campaign descriptions may include a suitable secondary purpose explaining what will happen if KWF raises more than needed, cannot carry out the original activity, the beneficiary’s circumstances change, or the project becomes impractical. For example, funds may be used for a similar project, the same charitable programme, or the closest lawful purpose.

If an appeal has no valid secondary purpose and fails or raises excess funds, KWF will handle the money in accordance with charity law and any required Charity Commission process. This may include contacting identifiable donors, offering a permitted alternative, returning funds where required, or applying for authority to use the funds differently.

General donations and donations made to a broad programme may be applied where KWF judges the need to be greatest within the relevant charitable purposes.

10. Recurring donations and Smart Giving

If you select weekly, monthly, annual or another recurring schedule, you authorise the payment provider to collect the stated amount at the selected frequency until the schedule ends, you cancel it, or it is otherwise stopped.

Smart Giving or scheduled-giving services may distribute intended donations across dates, occasions, campaigns or instalments. You must review the amount, schedule, start date, number of occurrences and selected purposes before activation.

A recurring instruction may remain active until cancelled where that option is selected. Payment dates may shift slightly because of time zones, banking systems, weekends, processing delays or provider rules.

You may cancel or manage an eligible recurring donation through the donor portal, an available payment-provider facility, or by contacting KWF. Cancellation should be requested sufficiently before the next collection to allow processing. A collection already submitted may not be stoppable but can be reviewed under the refund section.

Failed payments may be retried by the provider. We may send service notifications and may suspend or end a schedule after repeated failure.

11. Gift Aid

By completing a Gift Aid declaration, you confirm that you are eligible and authorise KWF to reclaim the applicable tax from HM Revenue & Customs.

You are responsible for paying enough UK Income Tax and/or Capital Gains Tax in the relevant tax year to cover the Gift Aid reclaimed on all your donations to charities and Community Amateur Sports Clubs. If insufficient tax has been paid, you may be responsible for the difference.

You must tell KWF if you want to cancel your declaration, change your name or home address, or no longer pay sufficient tax.

Gift Aid cannot be claimed where legal requirements are not met, including certain donations connected with benefits, fundraising on behalf of another person or donations made using company funds.

12. Payments and payment providers

Payments may be processed by Stripe, PayPal, banks or another provider shown at checkout. By submitting a payment, you confirm that you are authorised to use the method and that the information supplied is accurate.

Payment providers operate under their own terms and privacy notices. They may perform authentication, fraud checks, currency conversion, retries or regulatory checks.

KWF does not store full card numbers, card security codes or online-banking credentials in its own website dashboard. We may retain transaction references, status, card brand, limited card details supplied by the provider, billing information and related records.

You are responsible for any fees charged by your bank or payment provider, including currency-conversion or international transaction charges, unless checkout expressly states that KWF will cover them.

13. Optional contributions and processing costs

Checkout may offer an optional additional contribution to help cover payment, technology or administration costs. It may also allow you to increase the total donation voluntarily.

Optional amounts must be clearly shown before confirmation. They form part of the total payment once submitted but can be considered under the same refund rules as the associated donation.

Where an estimated processing cost is shown, it may not exactly equal the provider’s final charge for that individual transaction.

14. Donation confirmation, acceptance and receipts

After payment, you will normally receive an on-screen confirmation or email from KWF or the payment provider. An automated message confirms that a transaction has been submitted or recorded; it does not prevent later correction of an obvious error, fraud, duplicate transaction or unlawful donation.

KWF may verify, decline, reverse or return a transaction before treating it as finally accepted. A final receipt or confirmed status in our records normally indicates acceptance, subject to chargeback, fraud, banking reversal and legal requirements.

If a campaign amount, description, promotion or technical setting was clearly published in error, KWF may correct the error and contact affected donors. We will act fairly and will not use an obvious mistake to take more than the donor intended.

15. Refunds, donation mistakes and failed appeals

Charitable donations are generally final once accepted and do not usually carry the same cancellation rights as an ordinary purchase. However, KWF recognises that mistakes, duplicate payments, unauthorised transactions and exceptional circumstances can occur.

Requests made within seven days

KWF will normally consider a refund request made within seven days of the donation where:

• the donor entered the wrong amount or frequency;
• the same donation was taken more than once by mistake;
• the payment was made without the account holder’s authority;
• a clear technical or administrative error occurred;
• KWF is legally required to return the donation.

The seven-day period is a KWF administrative policy, not a statement that every donation has a statutory cooling-off right. Requests received later may still be considered, but a refund is not guaranteed.

When a refund may not be possible

A refund may be refused or limited where funds have already been committed or spent for the stated charitable purpose, transferred to a field programme, used to obtain goods or services, or where returning them would breach charity law or another legal obligation.

Projects that change or cannot proceed

If KWF cannot carry out a specific appeal, it will follow the appeal wording and applicable charity law. We may contact donors, use a stated secondary purpose, suggest a similar project, return donations where required, or seek regulatory authority for an alternative use. KWF cannot simply redirect legally restricted funds without a proper basis.

How to request a refund

Contact finance@kashmirwelfare.org.uk with the donor’s name, date, amount, transaction reference, payment method and reason. We may ask for verification. Approved refunds are normally returned to the original payment method and may take additional time to appear.

16. Chargebacks, unauthorised payments and fraud

Contact KWF promptly before starting a chargeback where possible, as many errors can be resolved more quickly. This does not remove any right to contact your bank or payment provider about an unauthorised transaction.

We may investigate suspicious donations, account activity, refund requests and chargebacks. We may share relevant information with payment providers, banks, insurers, regulators or law-enforcement authorities where lawful.

Fraudulent use of payment details, false refund claims, deliberate chargeback abuse or attempts to disguise unlawful funds may result in account suspension, refusal of services and referral to relevant authorities.

17. Sponsorship programmes

Sponsorship supports an eligible beneficiary, family, class, project or programme according to the description provided. Unless clearly stated otherwise, sponsorship does not create a legal guardianship, employment relationship, trust in favour of the sponsor, or direct ownership of funds by a named beneficiary.

KWF remains responsible for assessing needs, safeguarding, allocating support and managing the programme. Circumstances may change because a beneficiary relocates, becomes ineligible, completes a programme, can no longer participate, cannot safely be contacted or no longer requires the same support.

Where appropriate, KWF may transfer sponsorship support to another eligible beneficiary or the closest related programme. We will seek to communicate material changes, subject to safeguarding, privacy, operational and security considerations.

Sponsors must not attempt to contact, locate, visit, send money directly to or establish private communication with a beneficiary without KWF’s express approval and safeguarding arrangements.

Updates, photographs and reports are subject to availability, dignity, consent, safety and local circumstances. KWF cannot guarantee a particular number or timing of updates.

18. Fundraising pages and campaigns created by users

Where KWF allows you to create a fundraising page, you must provide accurate information, select an approved KWF campaign and use the page only to raise funds for KWF’s charitable purposes.

You must not:

• mislead donors about KWF, the beneficiary, target or use of funds;
• claim that money will be paid personally to you unless expressly authorised;
• use false, stolen or unauthorised images or stories;
• publish sensitive information without authority;
• offer unlawful incentives, raffles, prizes or financial returns;
• collect payment outside KWF’s approved methods while presenting it as a KWF donation;
• use a page for party-political, hateful, abusive or unrelated activity.

Fundraising targets are goals, not guarantees. Donations may remain payable to KWF even if a target is not reached, subject to the wording and legal status of the underlying appeal.

KWF may edit, pause, reject or remove a page where necessary for accuracy, safeguarding, legal compliance, reputation, security or consistency with our charitable purposes.

19. User-generated content

“User content” includes text, stories, photographs, videos, comments, messages, reviews, updates, documents and other material you upload or submit.

You retain ownership of content you own. By submitting it for publication or service operation, you grant KWF a non-exclusive, worldwide, royalty-free licence to host, store, copy, adapt for formatting, display, communicate and use it for the purpose for which it was submitted and related charitable reporting or promotion, subject to privacy, consent and safeguarding requirements.

You confirm that:

• you own the content or have permission to submit it;
• it is accurate to the best of your knowledge;
• it does not infringe copyright, privacy, confidentiality or other rights;
• it is not defamatory, threatening, discriminatory, obscene or unlawful;
• any person shown has given appropriate permission where required.

KWF may moderate or remove content but does not undertake to review every submission. Removal from the website may not immediately remove cached, archived or previously shared copies outside KWF’s control.

20. Beneficiary applications and charitable services

Applying for assistance does not guarantee eligibility, approval, funding, timing, duration or a particular level of support. KWF may assess need, priority, available resources, programme criteria, evidence, safeguarding risks and duplication of assistance.

Applicants and representatives must provide accurate information and supporting evidence. KWF may verify information with witnesses, partners, community representatives, healthcare providers or appropriate authorities where lawful and necessary.

False documents, deliberate misrepresentation, duplicate applications, bribery, threats or diversion of aid may lead to refusal, suspension, recovery action or referral to authorities.

KWF may change, reduce, delay or end a service because of funding, safety, access, eligibility, programme closure, local conditions or changes in need. We will seek to act fairly, but charitable resources are limited and must be allocated responsibly.

21. Healthcare information and medical services

Website information about health, medical camps, screening, medication or referrals is general information and is not a substitute for diagnosis or treatment by a qualified healthcare professional.

An online article, campaign page, portal entry, automated message or remote form does not by itself create a doctor-patient relationship with KWF.

Clinical services delivered through an authorised medical professional are subject to that professional’s duties, local law, clinical judgement, available resources and the specific service arrangements.

In an emergency, users should contact the appropriate local emergency service or seek urgent medical assistance. Do not rely on the website, email or a portal message for emergency care.

KWF cannot guarantee that every medicine, referral, diagnostic test, specialist or facility will be available. Referrals do not guarantee acceptance or treatment by another provider.

22. Volunteer, staff and authorised-user responsibilities

Volunteers, staff, trustees, contractors and field officers may receive additional policies, agreements, role descriptions and instructions. Those requirements apply alongside these Terms.

Authorised users must:

• access only information needed for their role;
• maintain confidentiality and protect beneficiary dignity;
• not export, copy or share records without authority;
• follow safeguarding, financial-control and data-protection procedures;
• record actions accurately and avoid misleading entries;
• report security incidents, conflicts, fraud and safeguarding concerns promptly;
• return or delete KWF information when access ends, as instructed.

Portal access does not authorise a user to speak publicly for KWF, bind the charity to a contract, approve expenditure or make decisions outside their delegated authority.

23. Email, notifications and other communications

We may send essential communications relating to donations, payments, accounts, security, Gift Aid, sponsorships, fundraisers, events, applications, volunteering or services you use. These are not necessarily marketing.

Marketing communications are optional and are handled under our Privacy Policy and applicable electronic-marketing law. You can unsubscribe using the link in a marketing email or contact us.

You are responsible for keeping your email and telephone details current and checking spam or junk folders. We are not responsible for a message being blocked or delayed by your provider, although we will take reasonable care when sending it.

24. Intellectual property

Unless stated otherwise, the website, software, design, layout, code, databases, text, graphics, logos, names, campaign materials, photographs, video and other content are owned by KWF or used under licence.

You may view and print reasonable extracts for personal, non-commercial use connected with supporting or learning about KWF. You may share links to public pages.

Without prior written permission, you must not reproduce substantial content, remove notices, republish materials as your own, use KWF branding to imply endorsement, sell content, reverse-engineer software, copy databases or create a confusingly similar service.

Permission to use a campaign asset may be withdrawn where the use is misleading, outdated, unsafe, unlawful or damaging to KWF or a beneficiary.

25. Acceptable use and prohibited activity

You must not use the website or services to:

• break any law, regulation, sanction or court order;
• commit fraud, launder money or use stolen payment details;
• upload malware, ransomware, spyware or harmful code;
• probe, scan, bypass or defeat security or access controls;
• gain unauthorised access to accounts, records, servers or APIs;
• scrape, harvest or extract personal data or substantial website content;
• operate excessive bots, automated requests or denial-of-service activity;
• send spam, phishing, deceptive or unsolicited messages;
• harass, threaten, exploit or discriminate against another person;
• publish beneficiary locations or sensitive details in a way that creates risk;
• impersonate KWF or falsely claim approval, employment or partnership;
• interfere with another user’s access or the website’s operation.

Legitimate search-engine indexing, accessibility tools and normal browser use are permitted. Written permission is required for high-volume automated access, data extraction or API use.

26. Third-party services and external links

The website may depend on or link to Stripe, PayPal, banks, hosting services, email platforms, Google, Microsoft, Meta, TikTok, LinkedIn, YouTube, Google Maps and other providers.

A link or embedded service does not mean KWF controls or endorses everything provided by that third party. External services have their own terms, privacy policies, availability and security arrangements.

KWF is not responsible for third-party content or conduct outside our reasonable control. This does not exclude responsibility where the law makes KWF responsible for its own choice, instruction or use of a supplier.

27. Website availability, maintenance and changes

We aim to keep our services reliable but do not guarantee continuous, uninterrupted or error-free availability. Services may be unavailable because of maintenance, updates, security incidents, hosting failures, payment-provider problems, internet disruption or circumstances beyond our control.

We may change website structure, campaigns, prices displayed as suggested donation amounts, portal features, eligibility rules, content or providers. We will not retrospectively change an already accepted donation in an unfair way.

You should retain your own copies of important receipts and records. Portal data should not be treated as the only permanent copy of a document you are legally required to keep.

28. Information and service disclaimers

We take reasonable care to keep public information accurate, but charitable work can change quickly. Figures, targets, locations, delivery dates, exchange rates, beneficiary numbers and project descriptions may be estimates or may change after publication.

Website content is general information and is not legal, tax, financial, medical or other professional advice. You should obtain suitable advice where a decision depends on your individual circumstances.

Impact estimates explain an intended or typical use of funds and are not a contractual guarantee of an exact outcome from each individual donation.

29. Limitation of liability

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any statutory rights that cannot be restricted.

Subject to that, KWF is not responsible for losses that were not reasonably foreseeable, losses caused by events outside our reasonable control, or business losses arising from a consumer’s personal use of the website.

KWF is not responsible for loss caused by your failure to protect account credentials, inaccurate information you submit, unauthorised actions you take, or use of the website in breach of these Terms, except where KWF also contributed to the loss.

We do not seek to exclude liability merely because a service is charitable or free. Any limitation is subject to fairness, applicable law and the circumstances.

30. Your responsibility for misuse

If you use the website for a business, organisation or authorised fundraising activity, you are responsible for losses and reasonable costs caused by your unlawful conduct, infringement of another person’s rights, fraudulent activity or material breach of these Terms.

This section is not intended to impose disproportionate liability on an ordinary individual donor or remove protections provided by consumer law. KWF will take reasonable steps to reduce avoidable loss.

31. Suspension, restriction and termination

We may restrict, suspend or close an account or service where reasonably necessary because of:

• a breach of these Terms or another applicable policy;
• suspected fraud, security compromise or unauthorised access;
• safeguarding, confidentiality or data-protection risk;
• abuse, threats or harassment;
• legal, regulatory or payment-provider requirements;
• long-term inactivity or discontinuation of a service.

Where appropriate, we will explain the reason and provide an opportunity to resolve the issue. Immediate action may be required where there is serious risk.

Closing an account does not automatically delete records that KWF must retain for donation, tax, safeguarding, audit, fraud or legal purposes.

32. Privacy, data protection and cookies

Our Privacy Policy explains how we collect, use, share, retain and protect personal information, including email marketing.

Our Cookie Policy explains cookies, analytics, advertising pixels, embedded content and preference controls.

These policies form part of the wider rules governing your use of the website but do not reduce rights provided by data-protection law.

33. Events beyond our reasonable control

KWF will not be responsible for delay or failure caused by events outside its reasonable control, such as natural disaster, extreme weather, epidemic, conflict, civil unrest, terrorism, government restriction, border closure, transport disruption, banking failure, communications outage, cyberattack, supplier failure or inability to access a project area.

We will take reasonable steps to reduce disruption, protect funds and communicate material changes. This section does not remove statutory rights or excuse a failure that KWF could reasonably have prevented.

34. General legal terms

Changes to these Terms

We may update these Terms when our services, law or operations change. The updated version applies from the date stated at the top. Material changes will not normally be applied retrospectively to completed transactions unless required by law or clearly beneficial.

Severability

If part of these Terms is found unlawful or unenforceable, it will be adjusted or removed only to the extent necessary. The remaining provisions continue to apply.

No waiver

If KWF does not enforce a term immediately, that does not mean it permanently gives up the right to enforce it.

Assignment

You may not transfer your account or rights under these Terms without our written agreement. KWF may transfer a service or agreement as part of a lawful restructuring, merger or programme transfer, provided your rights are not materially reduced.

Third-party rights

Unless expressly stated, a person who is not a party to these Terms does not have a right to enforce them under the Contracts (Rights of Third Parties) Act 1999.

Entire agreement

These Terms, together with incorporated policies and specific service conditions, form the agreement relating to use of the relevant service. They do not exclude statements that the law treats as binding or liability for fraudulent representations.

35. Governing law and jurisdiction

These Terms are governed by the laws of England and Wales.

The courts of England and Wales will generally have jurisdiction. If you are a consumer resident in Scotland or Northern Ireland, you may also be entitled to bring proceedings in the courts where you live. International users may have mandatory rights under local law that cannot lawfully be excluded.

36. Complaints and dispute resolution

We aim to resolve concerns fairly and promptly. Please contact us with the transaction, account, campaign or service details and the outcome you are seeking.

Donation and finance enquiries may be sent to finance@kashmirwelfare.org.uk. General complaints may be sent to hello@kashmirwelfare.org.uk.

Depending on the issue, you may also have the right to contact a payment provider, bank, regulator, the Charity Commission, the Fundraising Regulator, the Information Commissioner’s Office or a court. Nothing in these Terms prevents you from exercising a lawful right.

37. Contact us

Kashmir Welfare Foundation
UK registered charity
Registered charity number: 1206824
Address: 127–129 Clarence Road, Derby, DE23 6LS
General email: hello@kashmirwelfare.org.uk
Finance and refunds: finance@kashmirwelfare.org.uk
Website: www.kashmirwelfare.org.uk

Confirm the charity number, legal name and address before publishing.