Terms of Service

These Terms of Service ("Terms") govern your access to and use of GamFundMe, including our website, accounts, fundraising campaigns, donation services, and payout features.

GamFundMe is operated by GamFundMe in The Gambia ("GamFundMe", "we", "us", or "our").

By creating an account, starting a campaign, making a donation, or otherwise using GamFundMe, you agree to these Terms and our Privacy Policy.

GamFundMe is an online crowdfunding platform that helps people create fundraising campaigns, receive donations, and share updates with supporters.

GamFundMe provides the technology and administrative tools that connect campaign organizers with donors. Payments and payouts are processed through third-party payment service providers.

Unless expressly stated otherwise, GamFundMe is not the beneficiary of campaign donations and does not own money raised for an organizer or beneficiary, except for any voluntary contribution made specifically to GamFundMe.

GamFundMe is not a bank, investment platform, lending service, or financial adviser.

You must be at least 18 years old to create an organizer account, manage a campaign, or request a payout.

You must provide accurate and current information when creating or using an account. You are responsible for keeping your login credentials secure and for activity carried out through your account.

We may require additional information to verify your identity, telephone number, email address, beneficiary, payout destination, or other information connected with a campaign.

You may not create an account using another person's identity or use an account that you are not authorized to control.

Campaign organizers are responsible for ensuring that all information provided in a campaign is truthful, accurate, and not misleading.

You must have a genuine connection to the fundraising purpose or beneficiary.

If you raise funds for another person, you must have that person's permission or other lawful authority to do so. Where the beneficiary is a child, the organizer must have the permission of a parent, guardian, or another person legally authorized to act for that child.

Campaign organizers must only use funds for the purpose described on the campaign page, unless circumstances reasonably require a change and supporters are clearly informed.

You must have permission to publish any images, documents, names, or personal information included in a campaign.

GamFundMe may review campaigns before or after publication.

A review does not mean that GamFundMe guarantees a campaign, organizer, beneficiary, statement, or outcome.

We may request identification, supporting documents, beneficiary consent, medical or educational evidence, quotations, invoices, proof of relationship, or other information reasonably necessary to assess a campaign.

We may approve, reject, pause, restrict, or remove a campaign if information is incomplete, inconsistent, misleading, unlawful, or creates a safety, fraud, payment, or regulatory concern.

You may not use GamFundMe to raise or transfer money for:

• unlawful activity
• fraud, deception, or impersonation
• terrorism or extremist activity
• weapons or prohibited goods
• illegal drugs or controlled substances
• gambling
• pyramid or investment schemes
• bribery or corruption
• money laundering or concealment of criminal proceeds
• harassment, hate, or violence
• sexual exploitation or abuse
• misleading medical claims
• campaigns based on fabricated emergencies, beneficiaries, or documents
• any purpose prohibited by applicable law or our payment providers

You must not attempt to manipulate donation totals, create fake donations or reviews, evade platform controls, interfere with GamFundMe's systems, or use another person's payment or payout method without authorization.

GamFundMe may report suspected unlawful activity to payment providers, regulators, or law-enforcement authorities where appropriate or required.

Donations are voluntary payments made to support a campaign.

Donors are responsible for reviewing the campaign information and deciding whether to donate.

A donation is not considered successfully completed until GamFundMe receives confirmation from the relevant payment provider.

Pending, failed, cancelled, or unconfirmed payments are not counted as completed donations.

Campaign totals may show the gross amount donated before payment-processing fees, refunds, reversals, disputes, or payout fees are deducted.

Unless explicitly stated otherwise, a donation does not give the donor an ownership interest, repayment right, financial return, product, or service.

Donations to personal campaigns should not be assumed to be charitable or tax-deductible. Donors and organizers are responsible for obtaining independent tax advice where necessary.

Donors may be given the option to hide their identity from public display. Choosing to donate anonymously affects what other visitors see on the campaign page. GamFundMe and relevant payment providers may still process identifying and transaction information where necessary for payment processing, security, fraud prevention, record keeping, or legal compliance.

GamFundMe currently charges a 0% platform fee for creating, managing, and receiving donations through a campaign.

GamFundMe currently applies a collection fee of 1.5% for Wave donations; 1% for APS, QMoney, and AfriMoney donations; and 3.5% for Visa and Mastercard donations. The minimum collection fee is D1 for mobile-wallet donations and D7 for card donations. These fees are deducted from campaign proceeds rather than added as a mandatory donor fee.

A separate payout or transfer fee applies when funds are sent to an organizer or beneficiary. GamFundMe's current payout rates are 1% for Wave and 0.5% for AfriMoney.

The payout summary shows the transfer amount, provider fee, and expected recipient amount. The provider quote may be checked again before the transfer is sent, and the fee may reduce the amount delivered to the payout wallet.

Donors may also be offered the option to make a voluntary contribution to GamFundMe. This contribution is optional and can be set to zero. A voluntary contribution to GamFundMe does not form part of the campaign donation.

Current information about fees is available on our Fees & pricing page.

We may change our fee model in the future. Any new or changed fee will be disclosed before it applies and will not retroactively alter fees already charged on completed transactions.

The amount displayed as raised may differ from the amount available for payout.

Funds may need to settle through the payment provider before they become eligible for payout. Confirmed mobile-wallet donations normally become eligible after one hour; confirmed Visa and Mastercard donations normally become eligible after three business days.

Amounts available for payout may also be reduced by:

• payment-processing fees
• refunds
• reversals
• chargebacks
• previous payouts
• reserved payout requests
• provider fees
• other valid adjustments

GamFundMe may apply reasonable settlement, verification, fraud-prevention, or security holds before funds become available for payout.

Only eligible campaign funds may be requested for payout.

GamFundMe may require the organizer or beneficiary to complete identity and payout verification before a payout is approved.

The organizer is responsible for ensuring that the payout account or mobile-money number is correct and belongs to an authorized recipient.

Payout requests are subject to GamFundMe review and the rules, limits, settlement status, and availability of the payment provider.

GamFundMe may delay, hold, reject, or cancel a payout where there is suspected fraud, a campaign dispute, incomplete verification, a payment reversal, insufficient settled funds, incorrect payout information, a regulatory concern, or another reasonable trust or safety issue.

A payout is not complete merely because GamFundMe approves it. It is considered completed when the payment provider confirms successful transfer.

Applicable payout fees are borne by the campaign organizer and deducted from campaign funds unless GamFundMe states otherwise.

Donations are generally final once successfully processed, except where a refund is required by law or approved because of circumstances such as:

• duplicate payments
• payment errors
• fraud
• misuse of funds
• campaign cancellation
• another valid reason

A donor who believes a donation was made in error should contact GamFundMe as soon as possible.

Refunds may be subject to payment-provider rules. Processing fees already charged by a payment provider may not always be recoverable.

If a donation is refunded, reversed, or successfully disputed, the corresponding amount and any applicable costs may be deducted from the campaign's current or future balance.

If campaign funds have already been paid out, GamFundMe may require the organizer to return money needed to resolve a valid refund, reversal, chargeback, or other payment obligation.

Campaign organizers are responsible for using funds consistently with the campaign's stated purpose and applicable law.

GamFundMe may request updates or reasonable evidence of how campaign funds were used.

If circumstances change significantly, organizers should communicate that change clearly to supporters.

GamFundMe does not guarantee that an organizer will achieve a campaign goal or that all money will be used exactly as donors expect. However, suspected fraud or misuse may result in investigation, suspension, payout holds, refunds, or referral to appropriate authorities.

You retain ownership of stories, photographs, and other content that you submit to GamFundMe. By publishing content on GamFundMe, you give us a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, display, and share that content as reasonably necessary to operate, promote, and provide the platform and campaign. You must only upload content that you own or have permission to use.

Our collection and use of personal information is described in our Privacy Policy. Campaign pages are public by design. Organizers should avoid publishing unnecessary personal information, identity documents, account numbers, detailed medical records, or other information that should remain private.

GamFundMe may restrict, suspend, or terminate an account, campaign, donation capability, or payout capability where reasonably necessary to:

• protect users
• investigate suspected misconduct
• comply with law or provider requirements
• enforce these Terms

Where appropriate, we may request additional information before restoring access.

You may stop using GamFundMe at any time, subject to unresolved payments, payouts, disputes, or legal obligations.

We aim to keep GamFundMe available and reliable, but we cannot guarantee uninterrupted or error-free operation. Payment services, mobile networks, and other third-party services may occasionally be unavailable or delayed. We may modify, suspend, or discontinue features where necessary.

Campaign review is intended to improve trust and safety, but approval does not constitute a guarantee, endorsement, or warranty by GamFundMe. Donors should consider campaign information carefully before contributing. Nothing in these Terms excludes rights or remedies that cannot lawfully be excluded under applicable consumer-protection law.

To the maximum extent permitted by law, GamFundMe is not responsible for indirect or consequential losses resulting from use of the platform, organizer conduct, inaccurate campaign information, third-party payment-service interruptions, or circumstances outside our reasonable control. Nothing in these Terms limits liability where doing so would be unlawful, including liability arising from fraud, wilful misconduct, or rights that cannot be excluded under applicable consumer law.

Organizers and beneficiaries are responsible for determining whether funds received through a campaign create any tax, reporting, or other legal obligation applicable to them. GamFundMe does not provide tax or legal advice.

We may update these Terms to reflect changes to GamFundMe, payment providers, legal requirements, or our business practices. Where a change is material, we will provide reasonable notice through the platform, email, SMS, or another appropriate method. The version published on GamFundMe will state its effective date.

These Terms are governed by the laws of The Republic of The Gambia. We encourage users to contact GamFundMe first so that complaints can be investigated and resolved where possible. Nothing in these Terms prevents a consumer from exercising rights or remedies available under applicable Gambian law or making a complaint to an appropriate regulatory or consumer-protection authority.

Questions about these Terms can be sent to: