Terms of Service

Effective date: March 5, 2026

These Terms of Service govern your use of REFAC websites, forms, and digital services.

1. Use of Services

You agree to use REFAC services lawfully and respectfully. You must not misuse forms, payment systems, or communication tools.

2. User Submissions

By submitting content (including chatbot messages, contact forms, and applications), you confirm the information is accurate and does not violate third-party rights.

3. Donations and Payments

Donations are processed through configured payment channels such as Stripe and Mobile Money. Transaction confirmation may depend on third-party payment providers.

4. Membership Applications

Submitting an application does not guarantee approval. REFAC reviews applications based on internal eligibility criteria.

5. Intellectual Property

Website content, branding, and materials remain the property of REFAC or respective owners unless otherwise stated.

6. Service Availability

We may update, suspend, or discontinue parts of the service without prior notice where necessary.

7. Limitation of Liability

REFAC is not liable for indirect or consequential damages resulting from use of this website or third-party services linked from it.

8. Contact

For questions about these terms, please contact REFAC through the Contact page.