Last Updated: February 6, 2026

1. Acceptance of Terms

By accessing or using RaiseFi (“the Platform,” “we,” “us,” or “our”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use the Platform.

RaiseFi is a non-custodial, blockchain-based crowdfunding platform that facilitates direct transactions between creators and contributors. We do not take custody of funds, control campaigns, or guarantee outcomes.

2. Platform Description

2.1 What RaiseFi Is

2.2 What RaiseFi Is Not

3. User Eligibility

3.1 Requirements

To use RaiseFi, you must:

3.2 Prohibited Users

You may NOT use RaiseFi if:

• You are located in a jurisdiction where blockchain-based crowdfunding is prohibited
• You are subject to sanctions or restricted party lists
• You have been previously banned from the Platform for Terms violations

Important: It is YOUR responsibility to ensure your use of RaiseFi complies with your local laws. We are NOT responsible for your failure to comply with applicable regulations.

4. User Accounts and Verification Tiers

4.1 Account Types

4.2 Creator Verification Tiers

Creators earn verification tiers based on successful campaign completions and account age:

4.3 Contributor Tiers

Contributors earn star-based tiers based on campaigns supported:

Tiers are automatically calculated and displayed platform-wide. Platform administrators may manually adjust tiers in special circumstances.

5. Creator Responsibilities

5.1 Campaign Creation

As a creator, you agree to:

5.2 Fund Management

5.3 Prohibited Campaign Content

Creators may NOT create campaigns that:

• Violate laws or regulations
• Promote illegal activities or substances
• Contain fraudulent or deceptive information
• Infringe on intellectual property rights
• Include hate speech, violence, or harmful content
• Promise financial returns or investment opportunities

6. Contributor Rights and Responsibilities

6.1 Do Your Own Research (DYOR)

CRITICAL: Contributing to campaigns is AT YOUR OWN RISK. You MUST:

6.2 Contribution Process

Important: Once a transaction is confirmed on the blockchain, it CANNOT be reversed by RaiseFi.

6.3 Contributor Protections

6.4 No Implied Guarantees

By contributing, you acknowledge:

• RaiseFi does NOT guarantee product delivery or campaign success
• Creators may fail to deliver despite successful funding
• Successful funding releases funds to the creator’s control
• RaiseFi cannot recover funds from creators who fail to deliver
• Blockchain transactions are final and irreversible

7. Fees and Payments

7.1 Platform Fees

7.2 Payment Processing

7.3 Fund Release

For successful campaigns (reached funding goal):

• Creators can release funds from the smart contract to their wallet
• Platform fee (5%) is automatically deducted during release
• Contributors have NO refund rights after successful funding
• Creators assume full responsibility for product delivery

For failed campaigns (did not reach funding goal):

• No funds are released to creators
• Contributors must actively claim refunds (see Section 8)
• Platform charges zero fees
• Blockchain network fees still apply to refund claims

8. Refund Process for Failed Campaigns

8.1 Refund Eligibility

8.2 Refund Steps

8.3 Refund Limitations

Important Refund Rules:

8.4 No Refunds for Successful Campaigns

Once a campaign reaches its funding goal and funds are released:

• Contributors have ZERO refund rights
• RaiseFi cannot recover funds from creators
• Product delivery disputes are between creator and contributor only
• Blockchain transactions are final

This is why DYOR (Do Your Own Research) is critical before contributing.

9. Intellectual Property

9.1 Platform Ownership

9.2 User Content

You grant RaiseFi a worldwide, non-exclusive, royalty-free license to display, reproduce, and distribute your content for Platform operation and promotional purposes.

9.3 Creator IP Responsibilities

Creators warrant that:

• All campaign content is original or properly licensed
• No content infringes third-party intellectual property
• All images, videos, and materials are legally owned or licensed
• Product designs do not violate patents, trademarks, or copyrights

10. Prohibited Activities

Users may NOT:

11. Platform Disclaimers

11.1 No Liability for Campaign Outcomes

11.2 Blockchain Risks

You acknowledge these blockchain-specific risks:

11.3 AS-IS Service

THE PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

12. Limitation of Liability

12.1 Maximum Liability Cap

IN NO EVENT SHALL RAISEFI’S LIABILITY EXCEED THE PLATFORM FEES PAID BY YOU IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY.

12.2 Excluded Damages

RAISEFI SHALL NOT BE LIABLE FOR:

12.3 Jurisdictional Variations

Some jurisdictions do not allow limitation of liability for certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

13. Indemnification

You agree to indemnify, defend, and hold harmless RaiseFi, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from:

14. Termination

14.1 Voluntary Termination

You may stop using RaiseFi at any time. For user accounts:

• Contact support to request account deletion
• Active campaigns must be completed or cancelled first
• Blockchain transactions remain permanent and visible

14.2 RaiseFi’s Right to Terminate

We may suspend or terminate your access immediately for:

14.3 Effect of Termination

Upon termination:

• Your access to the Platform is revoked
• Active campaigns may be suspended
• Blockchain transactions remain permanent
• Outstanding obligations survive termination
• You remain liable for all prior Terms violations

15. Dispute Resolution

15.1 Creator-Contributor Disputes

RaiseFi is NOT a party to disputes between creators and contributors and cannot force refunds, returns, or deliveries.

15.2 Platform Disputes

For disputes with RaiseFi:

15.3 Class Action Waiver

YOU AGREE TO RESOLVE DISPUTES WITH RAISEFI INDIVIDUALLY. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS, CLASS ARBITRATIONS, OR REPRESENTATIVE PROCEEDINGS AGAINST RAISEFI.

16. Changes to Terms

16.1 Modification Rights

RaiseFi reserves the right to modify these Terms at any time.

16.2 Acceptance of Changes

17. Privacy and Data

Your privacy is important. Our data handling practices are governed by our separate Privacy Policy, which you should review.

Key privacy principles:

See our Privacy Policy for complete details.

18. Governing Law

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

Any legal action must be brought in the courts located in [Jurisdiction], and you consent to the exclusive jurisdiction of such courts.

19. Miscellaneous

19.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and RaiseFi regarding Platform use.

19.2 Severability

If any provision is found unenforceable, the remaining provisions remain in full effect.

19.3 No Waiver

RaiseFi’s failure to enforce any right or provision does not constitute a waiver of such right or provision.

19.4 Assignment

You may not assign your rights or obligations under these Terms. RaiseFi may assign its rights without restriction.

19.5 Force Majeure

RaiseFi is not liable for failures due to circumstances beyond reasonable control, including:

• Natural disasters
• Government actions
• Network outages
• Blockchain network failures
• Third-party service disruptions

20. Contact Information

For questions about these Terms:

Important Reminders

⚠️ CRITICAL: Do Your Own Research (DYOR)

🛡️ Platform Admin vs Creator

💰 Fee Summary

By using RaiseFi, you acknowledge you have read, understood, and agree to be bound by these Terms of Service.

Last Updated: February 6, 2026