Terms

We calculate your round-ups and tell the charity what to charge. We hold no banking, processing or tax-exempt status of our own. Your donation is a gift to the charity you picked, not to us.

The charity you pick is the merchant of record. It holds the Stripe account, its name appears on your statement, and the money goes from your card into its account. We never hold your money, so there is no balance of yours sitting with us between the charge and the donation.

Today that charity is Collective Kindness Inc., EIN 93-2213288, a registered 501(c)(3). If you switch to a different organization later, the one you switch to becomes the merchant on your next charge.

Saving a card authorizes the charity to charge it without you present, on this schedule:

A total under 50 cents is not charged. Stripe will not process an amount that small, so it rolls into the next cycle instead.

We round up settled card purchases on the account you link. We skip pending transactions, whole-dollar amounts, refunds, transfers, ATM withdrawals, fees, and anything dated before you signed up.

If a purchase you already rounded up gets refunded, we take that round-up back out of your current total. That total never goes below zero, so a refund larger than what you have accrued does not create a debt.

We try three times across five days. If all three fail we stop and email you the reason your bank gave, with a link to update the card. Your round-ups stay yours and nothing is charged again until you save a working card, which restarts the collection on the next run.

Your donation is a gift to the charity, so a refund is the charity's to give, not ours. Email leivi@collectivekindness.net and we will put you in touch with them. If a charge was wrong on our side, say so and we will fix it.

The charity issues the tax receipt, with its own EIN on it. We record what you gave and when. The EIN on your receipt is the one the charity had on file the day you gave.

The connection runs through Plaid and is read-only. We ask for transactions and nothing else. Nobody here sees your bank login, and we cannot move money in your bank account. Ask us to disconnect it and we end that access.

Use a card and bank account that are yours. Do not use RealChange to move money that is not yours to move. We can close an account that is being used that way, and we will say why when we do.

Plaid, Stripe and your bank can all be down, and a round-up can be late or missed as a result. We are not liable for a donation that a third party failed to process. If we calculate an amount wrong, we tell the charity, ask it to refund you, and stay on it until the money is back. We cannot issue that refund ourselves, because we never held the money.

If we change anything that affects what you are charged or how to stop it, we email you before it takes effect. The date at the top of this page is the version you agreed to.