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terms & conditions

Karadoo Finance Limited Donator Terms

Karadoo Finance Limited, BPS House, 5 Fairfield Road, Bath, BA1 6EP

INVESTMYCOMMUNITY.COM is a trading name of Karadoo Finance Limited ("Karadoo") (company number 10702553), registered in England, and has its registered office at 19-21 Chapel Street, Marlow, Buckinghamshire, England, SL7 3HN. Karadoo Finance Limited is authorised and regulated by the Financial Conduct Authority (FRN 777371). We are registered with the office of the information commissioner (no. ZA290916) for data protection purposes.

Where the term “Organisation” is used in these Terms and Conditions, that term will equally apply to any connected entity registering a campaign on behalf of an Organisation. In the case of a school for example, a Parent-Teacher Association or Friends Association, or similar.



    These Terms and Conditions may change or be updated from time to time. It remains your responsibility to access and check these Terms and Conditions wherever you access the website. The latest version of these Terms and Conditions will govern any future usage by you of the website and its associated services. The date on which these Terms and Conditions were last updated is stated at the end of this document.

    1. is a website which facilitates the Donation transaction between a crowdfunding page organiser and Donators, or between any user and an Organisation.


    1. These Donator Terms set out the donator's and Karadoo Finance Limited's obligations with respect to the donator's use of

    2. In addition to these donator terms, the donator agrees to other terms when using


    1. The donator must:

      1. be an individual over 13 years old, or a corporate body.

      2. have a UK bank or building society account in the donator's sole or joint name.

      3. be approved by

    2. The donator must not register with Karadoo Finance Limited more than once.

    3. Karadoo Finance Limited may restrict the donator’s access to, if the donator ceases to be eligible.


    The username (which is the donator’s email address) and the password chosen by the donator provide access to the donator's area of


    1. The information contained in the Organisation's crowdfunding page is provided by the Organisation and Karadoo Finance Limited does not check the accuracy or completeness of this information. The Organisation may answer questions or provide more information in the Q&A forum on

    2. The Organisation may make statements in the Organisation crowdfunding page (including in a video clip) conveying the Organisation's ambitions. Karadoo Finance Limited does not endorse these statements and does not have a view on how likely they are to be realised (if at all).

    3. Karadoo Finance Limited may provide crew and equipment to assist the Organisation with filming a video clip, but Karadoo Finance Limited does not endorse any video clip.

    4. Karadoo Finance Limited does not check that the information in the Organisation crowdfunding page or the forum has not changed.

  6. FEES

    1. Karadoo Finance Limited does not charge the donator for making a donation.

    2. Karadoo Finance Limited may charge fees to the Organisation. Fees charged may include, but are not limited to, a service charge and/or a payment processing fee.

    3. Karadoo may provide an option for the donator to pay any or all of the fees on behalf of the Organisation.

      1. The donator has complete discretion to choose whether to cover these fees.
      2. Should the donator choose to cover these fees, then they cannot be refunded to the donator in any circumstances.

    4. All fees and charges are quoted exclusive of VAT, which will be added at the appropriate rate (where applicable).


    1. Karadoo Finance Limited may restrict the donator's access to if:

      1. the donator requests it, for example because there is a security concern.

      2. Karadoo Finance Limited considers that the donator is in serious breach of these donator terms, the website terms or the forum rules.

      3. the donator uses (1) in a way that causes, or is likely to cause, or access to it to be interrupted or damaged in any way, (2) to compete with, damage the reputation of or otherwise impede the success of Karadoo Finance Limited, or any other user of, (3) in connection with a criminal offence, or (4) to send or use any material that is illegal, offensive, abusive, defamatory or menacing, or which contains political campaigning, commercial solicitation, chain letters, or mass mailings.


    1. The donator is liable to Karadoo Finance Limited for any loss or damage suffered by Karadoo Finance Limited or any user of as a result of the donator (or a person using the donator's username and password with the donator's knowledge or permission or through the donator's negligence):

      1. using in a way that is fraudulent.

      2. breaching these donator terms.

      3. otherwise using in a way that causes loss or damage to Karadoo Finance Limited or any other user of


    1. Karadoo Finance Limited is liable to the donator for any loss, damage or cost suffered by the donator arising out of using, where the loss or damage is a direct result of Karadoo Finance Limited’s negligence or fraud or any breach by Karadoo Finance Limited of these donator terms or any other terms relating to

    2. Karadoo Finance Limited is not liable to the donator for any loss, damage or cost arising out of or in connection with any misrepresentation, wilful misconduct or other act of, or any error or inaccuracy in the data entered by, any other user of

    3. Karadoo Finance Limited is not liable for any loss, damage, cost or unauthorised activity on arising out of the donator failing to keep the donator's password secret, failing to log out of the donator's account or otherwise negligently failing to keep the donator's access secure.

    4. Nothing in these donator terms excludes or limits Karadoo Finance Limited's liability for death or personal injury caused by its negligence or for fraud.


    Karadoo Finance Limited may transfer, or delegate any of its duties under, these donator terms to any person. Karadoo Finance Limited may provide information about the donator and the donator's activities on to that person.


    1. Karadoo Finance Limited may amend these donator terms from time to time and need not give the donator advance notice of the amendments.

    2. If Karadoo Finance Limited amends these donator terms, the next time the donator logs in to the donator will be notified of the changes and the date from which the amendments were effective.

    3. If the donator does not approve the amendments the donator should immediately notify Karadoo Finance Limited using the 'contact' form, by phone: 01225 312388, or by post to Customer Services, BPS House, 5 Fairfield Road, Bath, BA1 6EP. Karadoo Finance Limited will treat the donator's notification as a request to restrict the donator's registration with


    1. All notices given under these donator terms or any other terms relating to must be in writing and in English.

    2. Karadoo Finance Limited may deliver a notice to the donator by placing a message on the donator's area of or by email or post to the contact details last known to

    3. A notice from Karadoo Finance Limited will be effective at the time of placing a message on or sending an email, or on the second business day after posting. A business day is a weekday other than a national holiday.

    4. A notice from the donator to Karadoo Finance Limited must be sent via the 'contact' form, or by post to Customer Services, BPS House, 5 Fairfield Road, Bath, BA1 6EP. Notices to Karadoo Finance Limited will be effective on receipt.


    Complaints must be made in writing to Customer Services, BPS House, 5 Fairfield Road, Bath, BA1 6EP. Notices to Karadoo Finance Limited will be effective on receipt.


    If Karadoo Finance Limited does not enforce any of its rights under these donator terms or any other terms relating to, it does not mean that Karadoo Finance Limited will be unable to enforce that right in future.


    A person who is not a party to these donator terms may not enforce any of these terms.


    1. These donator terms and any non-contractual obligations arising out of or in connection with are governed by English law and the English courts have exclusive jurisdiction.

    2. For the benefit of Karadoo Finance Limited the donator irrevocably submits to the jurisdiction of the English courts and irrevocably agrees that a ruling in those courts will be conclusive and binding on the donator and may be enforced against the donator in the courts of any other jurisdiction.


    1. Your donation is a gift to the recipient.

    2. Subject to the requirements of applicable local laws, and what we say below in relation to, once your donation is made, it will only be refunded to you with the prior written consent of the Organisation to whom it has been made, regardless of whether or not the donation had been paid to the Organisation by You should therefore get in touch with the Organisation first.

    3. Before a donation is refunded, the relevant Organisation must agree that Karadoo Finance Limited may, subject to local applicable laws, deduct the amount to be refunded from subsequent payments to be made by Karadoo Finance Limited to the Organisation. Where no further payments are due to be made to such Organisation within one (1) week of the refund being made to you, Karadoo Finance Limited reserves the right to invoice the Organisation for the amount of the refund and the Organisation must agree to settle that invoice within one (1) week of the date of the invoice.

    4. In relation to, Karadoo Finance Limited will charge your donation to your payment card account (or other payment method available on the website) at the time of donating. For donations made to no refunds will be provided, subject to applicable local laws. If you do not agree to this, you should not use the website to make donations via


    1. Karadoo Finance Limited does not warrant that your donations will be used for any particular purpose and shall not be responsible for any dissatisfaction you may have regarding the recipient Organisation's use of any donation you may make through the website or its associated services or websites powered by us or for any misuse or non-use of such donations by the recipient Organisation.

    2. After donations are made, all further dealings are solely between the donator and such recipient. Please note that you may receive updates from InvestMyCommunity, the Organisation or the principal applicant to let you know more about their cause.

      Please note that recipient Organisations reserves the right to use your donation for their general purposes. They will use your donation for any purpose in accordance with their own rules. Karadoo Finance Limited cannot guarantee that funds will be earmarked for a particular appeal. If you want your donation to be used for a specific purpose or for a particular appeal you should contact the organisation and make your donation directly to them.

    3. Karadoo Finance Limited (or any payments platform we work with) will verify the identity of an Organisation’s principal applicant and undertake any other necessary checks before any funds raised are transferred to the organisation.

    4. Karadoo Finance Limited shall have no liability to donators whatsoever for any use or misuse of donations made to the Organisation. The campaign page may state that they will use donations only for specific purposes, but Karadoo Finance Limited cannot guarantee that they will use it for such purpose. If you have any doubts as to how the money will be spent, then you should contact the Organisation or the principal applicant directly to seek reassurance. It is your sole responsibility, as a user of the website, to ensure that the cause stated to be supported on a relevant campaign page is one that you wish to support.


    1. When you make a donation, the transaction is final and not disputable unless unauthorised use of your payment card or other payment method is proved. If you become aware of fraudulent use of your card, or if it is lost or stolen, you must notify your card provider in accordance with its reporting rules. Similarly, if you experience any issues of this nature when using another payment method, you should contact the provider of that payment method for assistance.

    2. Karadoo Finance Limited will never email or phone you and ask you to provide all of your payment details.


    1. When you donate to an Organisation or charity on the website and confirm that you are a UK taxpayer in accordance with the requirements of the Gift Aid scheme as they apply from time to time, Karadoo Finance Limited reclaims Gift Aid on behalf of the charity under the Gift Aid scheme.

    2. Karadoo Finance Limited is not an accounting, taxation or financial advisor, and you should not rely on information given on the website to determine the accounting, tax or financial consequences of making a donation to charity. We strongly recommend that you consult your own adviser(s) about any accounting, taxation or financial consequences that may affect you.

    3. Every charity that is a member of has a contractual agreement with Karadoo Finance Limited authorising it to reclaim Gift Aid on its behalf. Charities must be registered with the Charity Commission or exempt from registration for Karadoo Finance Limited to reclaim Gift Aid on their behalf.

Last updated 1 April 2020