Terms of Service

1.1 Sanctuary Principle. BUFU Wealth Fund is, and shall remain, a sanctuary for Black people and all People of Color. Racism, xenophobia, anti-Blackness, colorism, or bigotry of any kind — whether expressed through words, images, symbols, donations, or campaign content — is strictly prohibited.

1.2 Harmful Behavior Penalty (Liquidated Damages). You acknowledge that the Platform’s safe-space promise is a material term of this contract. Any user found, after review, to have engaged in documented acts of harmful behavior, racism, or hate speech against members of the BUFU community shall be charged a non-refundable administrative fee of up to one thousand U.S. dollars ($1,000.00 USD) per violation as liquidated damages — not a penalty — for the breach of the community’s safety. You agree this amount represents a reasonable pre-estimate of the harm caused to the community, the Platform’s brand, and other users, the actual cost of which would be difficult to calculate. BUFU may collect this fee from any payment instrument on file or pursue collection through lawful means. The exact fee per incident will be set by the Platform in its sole discretion based on severity.

1.3 Anti-Bullying & Comment Moderation. All forms of bullying, harassment, doxxing, threats, or intimidation are banned. Harmful comments under campaigns, donations, or any user-generated area will be removed immediately, without prior notice, at BUFU’s sole discretion.

1.4 Account & IP Termination. Violation of any safety rule results in immediate account termination. BUFU reserves the right to indefinitely block and ban the IP address(es), device fingerprints, and payment instruments associated with the offender to prevent re-entry under any name, alias, or new account. Attempting to evade such a ban is itself a separate, sanctionable violation of these Terms.

2.1 Legal Fee Restrictions. Campaigns raising funds for legal fees are only permitted in connection with non-violent offenses. Any campaign found to be raising for a violent offense outside the Self-Defense Exception below will be removed and funds frozen.

2.2 The Self-Defense Exception. Campaigns for legal defense in cases involving proven or credibly claimed self-defense are permitted regardless of the underlying nature of the incident, subject to platform review. BUFU recognizes that legal systems often treat self-defense unequally for marginalized communities and reserves the right (but not the obligation) to allow such campaigns after review of supporting documentation.

2.3 Prohibited Campaigns. The following are strictly prohibited:

• Campaigns supporting violent offenses (outside the Self-Defense Exception);
• Campaigns by, for, or in support of hate groups, white-supremacist organizations, or any group whose stated mission undermines Black/POC liberation;
• Activities that undermine the economic stability, dignity, or reputation of the POC community;
• Illegal activity, including human trafficking, weapons trafficking, controlled-substance distribution, child exploitation, terrorism financing, or money laundering;
• Multi-level marketing, pyramid schemes, gambling, or speculative “investment” offerings disguised as donations.

3.1 Strict Non-Refundable Policy. Except as expressly described in Section 7, ALL donations made through the Platform are FINAL and NON-REFUNDABLE. This policy exists to protect campaign creators, ensure campaign stability, and preserve the integrity of community wealth-building. By donating, you affirm you understand and accept this policy.

3.2 No Guarantee of Success. BUFU does not guarantee that any campaign will reach its stated goal, that a creator will perform as promised, that products or rewards will be delivered, or that any specific outcome will result from your contribution.

3.3 Platform Fees. BUFU charges a small platform fee to sustain operations and continue circulating wealth within the community. Each donation is subject to:

• 1.5% BUFU platform fee — supports moderation, trust & safety, and ongoing community wealth-building infrastructure.
• 2.9% + $0.30 payment processing fee — charged by our third-party payment processor (Stripe) per successful transaction.

💡 BUFU charges a small platform fee to sustain operations and continue circulating wealth within the community.

Fee schedules are disclosed at the point of donation and may be updated from time to time.

4.1 Wealth-Building Intent (Ujamaa). Users acknowledge that BUFU is built on the Kwanzaa principle of Ujamaa (Cooperative Economics). Use of funds for community-uplifting, cooperative, or generational-wealth purposes is strongly encouraged.

4.2 Cultural Sensitivity. Content that is culturally insensitive, appropriative, or demeaning toward Black or POC communities may be flagged, reviewed, and removed at BUFU’s discretion.

4.3 Legacy Protection. BUFU’s mission is long-term wealth building for the community. Any fraudulent, deceptive, or bad-faith use of funds that damages the community’s reputation will be reported to law enforcement and prosecuted to the fullest extent permitted by law.

5.1 User Eligibility. You must be at least 18 years old and legally capable of entering binding contracts to create a campaign or make a donation.

5.2 Account Accuracy. Campaign creators must provide accurate, truthful, and complete information. False or misleading claims will result in immediate fund freezing, account termination, and reporting to law enforcement.

5.3 Tax Responsibility. Donors and creators are solely responsible for determining and paying any applicable taxes on funds received or contributed. BUFU does not provide tax, legal, or financial advice.

6.1 Financial Liability for Fraud. If a campaign is determined — by BUFU after investigation, by a court, or by law enforcement — to be involved in criminal activity, fraud, misrepresentation, identity theft, or willful deception, the creator agrees to be held financially accountable to BUFU and to harmed donors. Specifically, the creator shall be liable for:

• Full restitution of all funds raised;
• All recovery costs incurred by BUFU, including reasonable attorneys’ fees, investigation costs, chargeback fees, and payment-processor penalties;
• Treble (3×) damages where authorized by Texas law (including, where applicable, the Texas Deceptive Trade Practices–Consumer Protection Act, Tex. Bus. & Com. Code §17.41 et seq.);
• Statutory civil penalties of up to $10,000 per violation, and up to $250,000 where the conduct was directed at a person 65 years of age or older, as permitted under Texas law;
• Any additional civil and criminal penalties available under Texas Penal Code Chapter 32 (Fraud), federal wire-fraud statutes (18 U.S.C. §1343), and any other applicable law — up to the maximum penalty allowed by law.

6.2 Reporting. BUFU will cooperate fully with state and federal investigators and may independently refer fraudulent campaigns to the Texas Attorney General, the FBI, the FTC, the IRS, and/or the appropriate District Attorney’s office.

6.3 No Safe Harbor for Bad Actors. Use of an alias, shell entity, or stolen identity to create a fraudulent campaign does not limit liability under this Section.

Notwithstanding Section 3.1, a donor may request a refund only where the donor presents solid, verifiable proof that the campaign was fraudulent, materially misrepresented, or otherwise in violation of these Terms. Acceptable proof includes, without limitation:

• A police report, criminal indictment, or court judgment naming the campaign or creator;
• An official finding by a state or federal regulator (e.g., Texas Attorney General, FTC);
• Documentary evidence (records, communications, receipts) clearly establishing intentional deception;
• Sworn declarations from multiple independent victims plus corroborating documentation.

Refund requests must be submitted in writing to disputes@bufuwealthfund.com within ninety (90) days of the donation, with all supporting evidence attached. BUFU will review in good faith but reserves sole discretion over the determination. Refunds, where granted, will be net of non-recoverable payment-processor fees.

8.1 Facilitator Only. BUFU is a technology platform that facilitates donations between donors and creators. BUFU is NOT a party to the donation agreement between any donor and any creator and is not liable for project failures, non-delivery of rewards, or personal disputes between users.

8.2 As-Is. The Platform is provided “as is” and “as available,” without warranties of any kind, express or implied, to the fullest extent permitted by law.

8.3 Cap on Liability. To the maximum extent permitted by law, BUFU’s total aggregate liability to any user for any claim arising out of or relating to the Platform shall not exceed the greater of (a) the total platform fees BUFU actually collected from that user in the twelve (12) months preceding the claim, or (b) one hundred U.S. dollars ($100.00 USD).

9.1 Governing Law. These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws principles.

9.2 Mandatory Arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the Platform shall be resolved by final and binding individual arbitration administered in Fort Worth, Texas, under the Commercial Arbitration Rules of the American Arbitration Association (AAA). Judgment on the award may be entered in any court of competent jurisdiction.

9.3 Class-Action Waiver. You and BUFU each waive the right to participate in a class, collective, or representative action. All claims must be brought in an individual capacity.

9.4 Carve-Out. Either party may seek injunctive relief in a state or federal court located in Tarrant County, Texas, to protect intellectual property or enforce a ban under Section 1.4.

Questions, abuse reports, or refund requests:

These Terms are a legally binding agreement. They are not a substitute for advice from a licensed attorney. BUFU encourages users to consult independent counsel before taking action that could create legal exposure.

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