This Agreement outlines the Project Owner’s financial obligations related to:

• Donation refunds
• Misallocated or misused funds
• Compliance failures
• Documentation requirements
• Fund tracking and accountability

By opening a project, the Project Owner accepts full financial responsibility for the funds received.

The Project Owner acknowledges that:

Refunds may be issued if:

• Donor accidentally donates (wrong amount, duplicate donation)
• Donor claims unauthorized use of credit card
• Project Owner fails to complete the project
• Inconsistency or red flags are detected
• Project Owner violates compliance rules
• Misuse, misallocation, or non-completion of project is confirmed
• Project Owner submits false or incomplete documentation

The Project Owner agrees to:

• ✔Maintain accurate financial records
• ✔Use funds exclusively for approved project purposes
• ✔Provide full evidence of expenditures
• ✔Return funds upon request if misuse or failure is determined
• ✔Accept liability for losses caused by negligence or misconduct

The Project Owner must upload:

• Invoices
• Receipts
• Beneficiary distribution lists
• Delivery photos/videos
• Proof of purchase
• Proof of service completion

Failure to provide documentation may result in:

• Withheld disbursements
• Refund obligations
• Suspension of the project
• Account termination

The Project Owner agrees that funds may NOT be used for:

• ❌Personal expenses (rent, bills, transport unrelated to project)
• ❌Debt repayment
• ❌Private gifts
• ❌Unapproved activities
• ❌Commercial ventures
• ❌Religious or political campaigns

If the Project Owner:

• Submits false information
• Falsifies invoices or reports
• Misleads donors
• Misallocates or diverts funds
• Stages photos or manipulates evidence

Then:

• All project funds may be recalled
• Full refund obligations will apply
• The account may be terminated
• Authorities may be notified

If donors initiate a chargeback, the Project Owner acknowledges:

• In Your Hand may be required to refund the bank or payment processor
• The Project Owner is responsible for reimbursing In Your Hand if funds were already disbursed
• Excessive chargebacks may trigger project closure

IYH reserves the right to:

• Freeze funds
• Delay or stop disbursements
• Recover refunded or misused funds
• Suspend accounts
• Conduct financial audits
• Request additional documentation
• Notify law enforcement in cases of fraud

The Project Owner acknowledges that:

• In Your Hand is NOT liable for the Project Owner’s misconduct
• In Your Hand is NOT financially responsible for poor execution of the project
• In Your Hand is NOT responsible for external events (vendor failure, supply delays, field issues)
• The Project Owner assumes full responsibility for their project and actions

The Project Owner understands and agrees:

• ✔They are personally financially liable for funds misused
• ✔They are responsible for reimbursing refunded amounts after disbursement
• ✔They may face civil or criminal action if fraud is committed

This Agreement remains in effect:

• For the duration of the project
• Until all funds are accounted for
• Until all refunds and obligations are resolved

The Project Owner certifies that:

• ✔All statements made are truthful
• ✔They fully understand financial responsibilities
• ✔They accept all refund-related obligations
• ✔They will comply with monitoring and verification requirements