Terms of Service

Introduction & Agreement to Terms

Visufund Ltd is a company registered in England and Wales under company number 10141346, with its registered office at 20-22 Wenlock Road, London, England, N1 7GU ("Visufund", "the Company", "we", "us", or "our").

These Terms of Service ("Terms") constitute a legally binding agreement between Visufund and any individual, organisation, or entity ("User", "you", or "your") accessing or using our website, services, and platform at visufund.com (collectively, the "Platform").

These Terms apply to all Users of the Platform, including without limitation:

• Non-profit Account Holders: Organisations or designated individuals registered with a Non-profit user account on the Platform.
• Supporter Account Holders: Individuals registered with a Supporter user account on the Platform.
• Guests / Unregistered Users: Any individual accessing or interacting with the Platform without being logged into an account (including donors who complete transactions as guests).

A Registered User is defined as any individual or entity logged into an active user account on the Platform. An Unregistered User or Guest is defined as any individual interacting with the Platform without an active session or account.

By accessing, browsing, registering for, or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree to these Terms, you must immediately cease using the Platform.

1. Contributing to a Page

1.1 General: Any Registered User or Guest ("you", "your") may use the Platform to contribute to a page or make a charitable donation. You are not required to create an account on the Platform to complete a contribution or donation, although you have the option to create a Supporter Account during the checkout process. Before contributing to a page, you should identify the page type and the beneficiary of any financial donations:

• Non-profit Fundraising Page: Created by a Non-profit Account Holder, where that Non-profit is the financial beneficiary.
• Profile Page: Created by the Platform for a Non-profit Account Holder, where that Non-profit is the financial beneficiary.
• Supporter Fundraising Page: Created by a Supporter Account Holder, where a designated Non-profit is the financial beneficiary.
• Message Board: Created by a Supporter Account Holder for message display only. Message boards have no financial beneficiary and no facility to collect monetary donations.

To identify the type of page you are contributing to (excluding Profile Pages), you can select the 'About Page' button to view specific creator and beneficiary details. If you require further information regarding a Non-profit beneficiary, you should contact them directly using the details provided. As a donor, it is your responsibility to ensure you are satisfied with the intended purpose and destination of your funds prior to making a donation. If you have any doubts, you should not proceed with the transaction.

1.2 User-Generated Content: Visufund is not responsible for user-generated content published on the Platform, including personal messages, uploaded images, or pages published by Users. You must not submit, upload, or transmit any content that is unlawful, offensive, threatening, defamatory, fraudulent, indecent, abusive, harassing, obscene, or otherwise objectionable. Examples of objectionable content include, without limitation:

• Content promoting unlawful activity or illegal acts.
• Defamatory, discriminatory, or hate speech targeting religion, race, sexual orientation, gender, national or ethnic origin, disability, or other protected characteristics.
• Spam, automated or machine-generated content, unauthorised advertising, chain letters, pyramid schemes, or any form of unauthorised solicitation, lottery, or gambling.
• Files or code containing viruses, worms, malware, Trojan horses, or other malicious components designed to disrupt, damage, or limit the operation of any software, hardware, or telecommunications equipment.
• Content that infringes any third-party intellectual property or proprietary rights, including copyright, trade marks, trade secrets, or privacy rights.
• Impersonating any individual or entity, including Visufund, its directors, or employees.
• Content containing false, misleading, or deceptive information.

Visufund reserves the right, but assumes no obligation, to review, edit, reformat, refuse, or remove any user-generated content at its sole discretion and without prior notice. We further reserve the right to suspend or terminate Platform access for any User who submits objectionable content. You acknowledge that by using the Platform, you may be exposed to user-generated content that you find objectionable or inaccurate, and you agree that Visufund shall not be held liable for any loss, damage, or offence arising from your exposure to or reliance on such content.

1.3 Personal Messages: Where the option is provided to publish a public personal message, your message must remain relevant to the intended purpose of the page and comply fully with section 1.2. For your security, you are strongly advised not to include private personal details within public messages. Where message editing is permitted, you may use the secure link provided in your email receipt to edit your message within 7 days of submission.

1.4 Image Uploads: Where you upload an image or photograph to display alongside a contribution or message, the image must comply fully with section 1.2. By uploading an image, you warrant that you own or hold all necessary intellectual property rights, permissions, and consents to publish the image (including explicit consent from any clearly identifiable individuals or, where applicable, their parent/guardian or next of kin). You grant Visufund a non-exclusive, royalty-free, worldwide licence to host, display, and render the image on the Platform for the purposes of fulfilling the service, and you agree to indemnify Visufund against any third-party claims arising from your image submission.

1.5 E-cards: If you elect to send a digital e-card, you are required to provide the recipient's first name and email address. The recipient's details are processed solely for the purpose of dispatching the e-card email, which will state your name, email address and a link to your published message.

1.6 Data Collection & Sharing: When making a donation, contribution, or posting to a message board, you will be asked to supply personal data, such as your name and email address. Data is shared according to the account type hosting or benefitting from the page as follows:

• Beneficiary Non-profits: Your full personal data (including contact details and Gift Aid declarations where relevant) is shared directly with the beneficiary Non-profit as an Independent Data Controller for their administrative, accounting, and operational record-keeping.
• Supporter Account Holders: If a page or message board is created by a Supporter Account Holder, the Supporter can only see the contributor's name and donation amount (if fundraising). Supporter Account Holders do not receive access to personal contact details, postal addresses, or Gift Aid information.

All personal data submitted through the Platform is stored securely in accordance with our data protection obligations. To view full details on data retention, donor rights, and security, please review our Privacy Policy.

1.7 Communication Opt-ins & Marketing Preferences: During checkout on a fundraising page, you may be presented with optional opt-in checkboxes set by the Non-profit regarding direct marketing or further communications from them. The Non-profit is an independent Data Controller and is bound by law to honor your communication preferences. Where supported, Visufund may recall your previously selected communication preferences on return visits based on your email address.

Visufund may also present an explicit, optional opt-in for Visufund's own marketing communications. By default, all direct marketing opt-in checkboxes are unticked. You retain the right to withdraw your consent or unsubscribe from Visufund marketing communications at any time via the unsubscribe link in our emails or by contacting us directly.

2. Making a Donation (Fundraising Pages Only)

2.1 Donation Amount: Financial donations are only accepted on pages that have a designated Non-profit beneficiary. Depending on the page configuration set by the page owner, donations may be required or optional, and specific interactive objects may carry a minimum donation threshold. Where a minimum donation applies, you must enter an amount equal to or greater than the stated minimum. Where no minimum threshold is specified, the default minimum donation amount is 2 units of the currency set by the beneficiary Non-profit (for example, £2, $2, or €2). Depending on settings configured by the page owner, select objects may be available for a zero-value contribution.

2.2 Gift Aid (UK Taxpayers): When donating to a page supporting a UK registered charity in British Pounds (GBP), eligible donors may elect to add Gift Aid to their donation. By selecting Gift Aid, you declare that you are a UK taxpayer paying an amount of UK Income Tax and/or Capital Gains Tax at least equal to the tax that all charities you donate to will reclaim on your gifts for that tax year. You authorise the beneficiary charity to claim Gift Aid on your donation and agree to supply accurate personal details (including your full name and full home address) necessary for the claim. If you are unsure of your Gift Aid eligibility, you should consult your own financial adviser or HMRC. Further details on Gift Aid are available at GOV.UK.

2.3 Payment Processing: At checkout, you will be prompted to enter debit or credit card details to complete your transaction. Digital wallet options (such as Apple Pay or Google Pay) may also be available where supported by your device and browser. Payment processing services are provided directly by our PCI-DSS Level 1 certified payment processor, Stripe. By making a payment, you agree to be legally bound by Stripe's Terms of Service and Privacy Policy.

2.4 Platform Fees & Deductions: No processing or platform fees are charged directly to you on top of your donation amount. However, you should check with your card issuer or bank prior to donating to ensure they do not apply cash-advance or foreign transaction fees. The total donation collected is transferred directly to the beneficiary Non-profit's payment account, less payment processing fees charged by Stripe and a Visufund platform fee of up to 3.9%, as agreed and authorised by the beneficiary Non-profit.

2.5 Refunds, Disputed Payments & Fraud: Visufund does not collect, hold, or manage donor funds at any stage during a transaction. All payments are processed directly into the beneficiary Non-profit's connected Stripe payment account. Consequently:

• Refund Requests: Any request for a voluntary refund or cancellation must be directed to the beneficiary Non-profit. The Non-profit determines and processes refunds at its sole discretion in accordance with its own refund policy and statutory obligations.
• Chargebacks & Payment Disputes: If a payment is disputed or flagged as unauthorised by a cardholder or card issuer (including fraudulent transactions), the dispute is handled directly between the cardholder, the card issuer, and the beneficiary Non-profit via Stripe. Visufund is not liable for any chargebacks, dispute fees, or contested payments incurred by the Non-profit.
• Fraudulent Activity: Visufund reserves the right to suspend or remove any page, terminate user access, or block transactions where we reasonably suspect fraudulent activity, platform misuse, or a security breach.

For further details on our operational policies, please review our Refund Policy.

3. Account Registration & Security

3.1 Registration & Account Types: Registration on the Platform is free and enables Users to explore and test platform features with no obligation to publish a page or incur costs. Users must be at least 13 years of age to register an account. If you are under 18 years of age, you must have the permission and direct supervision of a parent or legal guardian to use the Platform. When registering, you must select the appropriate account category:

• Supporter Account: For individuals creating fundraising pages to support a registered Non-profit account on the Platform, or for creating message boards. Registering during checkout creates a Supporter Account by default.
• Non-profit Account: For individuals who are official, authorised representatives of a registered charity or non-profit organisation in one of our supported jurisdictions. By creating a Non-profit Account, you warrant that you possess the requisite legal authority to bind the organisation to these Terms and collect funds on its behalf.

3.2 Accuracy of Information: You agree to provide accurate, current, and complete information during registration and to keep your account details updated. Supplying false, misleading, or incomplete information may result in immediate suspension or termination of your account without liability to Visufund.

3.3 Email & Due Diligence Verification: Your registered email address serves as your primary account username and communication channel. You must only register using an email address that you own and control. Before publishing any page or receiving funds, you must successfully complete our email validation process. For Non-profit Accounts, Visufund conducts manual due diligence and background checks to verify the organisation's registered status and your authority to represent it. Visufund reserves the right to request additional documentation or proof of identity at any time and may, where reasonably considered necessary, refuse, restrict, or suspend service until satisfactory verification is provided.

3.4 Credential Security & Multi-User Accounts: Account credentials (usernames and passwords) are strict to individual users and must not be shared. If multiple people need access to your account, you must set up separate login credentials for each user rather than sharing passwords. Our platform includes multi-user tools so you can manage individual logins and assign team permissions easily. Non-profit Account Holders warrant that individual user access will only be granted to authorised staff, trustees, or employees. Non-profits must maintain strict internal procedures to immediately revoke access for any user who leaves the organisation or no longer requires platform access. The Non-profit assumes full liability for any unauthorised access, data loss, or data breaches resulting from a failure to manage its internal user accounts. Visufund reserves the right to suspend or disable any account or user profile where suspicious activity, security breaches, or data risks are detected.

3.5 Prohibited Conduct & Platform Integrity: You agree to use the Platform only for lawful purposes and in accordance with these Terms. You strictly agree not to: (a) use any robot, spider, scraper, or other automated means to access the Platform or extract data; (b) reverse engineer, decompile, or attempt to extract the source code of the Platform; (c) bypass or attempt to bypass any security or authentication measures; or (d) introduce viruses, worms, Trojan horses, or other malicious code.

4. Creating Pages

4.1 Fundraising Pages & Permitted Beneficiaries: Any Registered User may create and publish a fundraising page strictly to support a Non-profit organisation that has an active, verified account listed on the Platform. Visufund does not support personal crowdfunding, individual peer-to-peer money transfers, or fundraising for non-registered third-party causes. You cannot create a fundraising page for any charity or organisation that does not hold an active Visufund account. Standard fundraising pages are free to create, though optional fee-based upgrades and features may be available.

If you hold a Supporter Account and publish a fundraising page for an eligible Non-profit, you agree that your full name and email address will be shared with that Non-profit so they may verify and support your fundraising activity.

4.2 Message Boards: Supporter Account Holders may create and publish dedicated visual message boards that do not collect financial donations or require a Non-profit beneficiary. Standard message boards are free to publish and remain live for 45 days. After 45 days, message boards are automatically unpublished unless upgraded to an Unlimited Plan subscription. Further details are set out in section 5 (Products & Plans).

4.3 Tribute Pages & Dedications: If you create a page dedicated to, or in memory of, another individual, you warrant that you have obtained all necessary permissions from that individual or, where appropriate, their legal representative or next of kin, before publishing their name, story, or likeness on the Platform.

4.4 Template Library & Intellectual Property: Visufund grants you a limited, non-exclusive licence to use our template designs solely to publish pages on the Platform. Visufund retains full ownership and intellectual property rights in all visual assets, design templates, graphics, and code across the Platform. Platform templates and artwork must not be extracted, copied, reproduced, or used on third-party websites or materials without our prior written consent.

4.5 Publishing & Compliance: You are solely responsible for ensuring that your published page, fundraising activities, and content comply with these Terms and all applicable laws, rules, and regulations in your local jurisdiction (including, where applicable, local charity registration, fundraising permits, and tax laws). Visufund does not monitor or guarantee local legal compliance for campaigns hosted across different territories. You agree to use the Platform exclusively for lawful purposes and in a manner that does not infringe third-party rights or restrict anyone else's use and enjoyment of the Platform. All text, images, and media added to your page must strictly comply with section 1.2 (User-Generated Content).

4.6 Page Duration & Subscriptions: The online duration of your page depends on the page type and account plan:

• Fundraising Pages: Regardless of subscription level (including free plans), all fundraising pages remain live and able to accept new contributions until the page status is manually changed (eg. unpublished) or the account is closed.
• Standard Message Boards: Remain online for a maximum period of 45 calendar days from the date of publication, after which they will automatically be unpublished and cease to be publicly accessible.
• Unlimited Plan (Annual Subscription): Supporter Account Holders who purchase an Unlimited Plan annual subscription can keep their message boards online indefinitely while their paid subscription remains active and in good standing. If a subscription lapses or is cancelled, associated message boards will be unpublished 45 days after the end of the paid billing period.

Visufund reserves the right to unpublish, archive, or remove any page where the account is inactive, where applicable subscription fees remain unpaid, or where the designated beneficiary Non-profit account is suspended or closed.

4.7 Content Moderation on Owned Pages: As a page owner, you are responsible for monitoring user contributions and public comments posted on your page. If you identify any content that breaches section 1.2, you must delete it using your account tools or report it to Visufund immediately.

4.8 Promotional Activity: Visufund may, at its sole discretion, feature published pages on its website, social media channels, or marketing materials. However, Visufund is not responsible for driving traffic or sourcing donors to your campaign. Page owners are solely responsible for marketing and promoting their own pages.

5. Products & Plans

5.1 Products & Free Previews: Standard fundraising pages and basic message boards are free to create and publish. Visufund offers optional paid upgrades, single-page products, and subscription plans. Account holders are provided with the ability to configure, preview, and test Premium features free of charge before deciding to publish or upgrade a page.

5.2 Refund Policy: We want you to be completely satisfied with Visufund. Whether you are a Non-profit or a Supporter purchasing a product or subscription plan, the following refund rules apply:

• 14-Day Money-Back Guarantee: If you purchase any paid product or subscription plan and change your mind for any reason, simply contact us within 14 days of purchase for a full refund. Upon issuing a refund, access to paid features or plan benefits will end immediately, and your account or page will revert to the standard free features.
• Exceptional Refund Requests: Outside of the 14-day money-back guarantee window, payments are generally non-refundable. However, we will consider refund requests made after 14 days on a case-by-case basis at our sole discretion (for example, accidental duplicate purchases).
• Subscription Cancellations: For recurring subscription plans, you can cancel your auto-renewal at any time prior to your next billing date via your Account or Billing settings to prevent future charges.

5.3 Single-Page Products: Single-page products apply strictly to the specific page for which they were purchased. They are non-transferable between pages and cannot be reassigned to other accounts.

5.4 Pricing & Price Variations: All prices for upgrades, platform fees, and subscription plans are displayed on our Website at the time of purchase and are inclusive of applicable taxes unless stated otherwise. Visufund reserves the right to adjust product pricing and platform fee rates from time to time. Price changes will not apply retrospectively during an active paid billing cycle. For recurring subscription plans, Visufund will provide Account Holders with at least 14 calendar days' advance written notice (via email) prior to their next renewal date of any price adjustment. If you do not agree to the new pricing, you may cancel your subscription prior to your renewal date via your Billing settings. Your continued use of the Platform or failure to cancel following the notice period constitutes acceptance of the new pricing.

5.5 Payment Methods & Invoicing: Payment for all products, upgrades, and subscription plans must be made by credit or debit card at the time of purchase. Card payments and recurring subscriptions are processed securely via our PCI-DSS Level 1 payment partner, Stripe. Account holders may manage or delete saved payment methods at any time within their Billing settings.

Visufund may, at its sole discretion and by prior written agreement, permit select Non-profit Account Holders to pay via invoice. Where an invoice is issued, payment must be settled in full via BACS, CHAPS, or direct electronic bank transfer within 30 calendar days of the invoice date. Visufund reserves the right to refuse or revoke invoicing facilities at any time, charge interest on overdue balances under the Late Payment of Commercial Debts (Interest) Act 1998, and suspend account services or unpublish active pages if invoices remain unpaid.

6. Data Protection & Reports

6.1 Independent Data Controllers: For the purposes of applicable Data Protection Legislation (including the UK GDPR, EU GDPR, Data Protection Act 2018, and Privacy and Electronic Communications Regulations (PECR)), Visufund and the Non-profit act as separate and independent Data Controllers in respect of any personal data processed through the Platform. Visufund is responsible for the secure collection, hosting, and technical security of the platform infrastructure, while the Non-profit independently controls its subsequent processing and storage of donor data for its own charitable, accounting, and operational purposes.

6.2 Donor Data & Compliance: Visufund will make details of donors and contributions accessible exclusively to authorised Non-profit Account Holders via their secure account portal. Visufund will never use donor data for its own marketing or secondary purposes without express consent from the individual. Where Non-profits configure custom checkout fields or marketing opt-in options, the Non-profit warrants that such requests comply with data minimisation principles, PECR requirements for direct marketing, and applicable laws. The Non-profit is solely responsible for establishing a valid lawful basis for processing, maintaining opt-out records, and honouring donor communication preferences. Visufund accepts no liability for any non-compliance or unlawful data processing conducted by the Non-profit.

6.3 Data Subject Rights & SARs: As independent Data Controllers, each party is individually responsible for receiving, evaluating, and responding to Data Subject Access Requests (SARs), erasure requests, or processing objections submitted to it by individuals. If either party receives a request relating to data controlled by the other, it will notify the individual or redirect them appropriately in accordance with applicable law.

6.4 E-card Recipient Privacy: To protect third-party privacy, personal details belonging to e-card recipients will not be disclosed or shared, though aggregated usage statistics confirming that the feature was used will be visible in campaign reporting.

6.5 Data Security & Downloaded Reports: When accessing, exporting, or downloading donor reports from the Platform, the Non-profit is solely responsible for implementing appropriate technical and organisational security measures to protect that personal data. Downloaded files must not be saved on public, shared, or unencrypted devices or drives. Non-profits must securely delete local report files once imported into their primary database or CRM. The Non-profit assumes full legal responsibility and liability for any data breaches arising from improper storage, handling, or distribution of downloaded reports.

6.6 Gift Aid Declarations (UK Charities): Where applicable, Visufund captures Gift Aid declarations from UK taxpayers in accordance with HMRC guidelines and makes this declaration data available to the designated Non-profit. Visufund does not submit Gift Aid claims or liaise with HMRC on your behalf. The Non-profit is solely responsible for verifying eligibility and claiming Gift Aid repayments directly from HMRC.

7. Receiving Donations as a Beneficiary

7.1 Fund Processing & Non-Custody: Visufund only allows verified Non-profit Account Holders to receive financial contributions and donations through the Platform. Visufund is not a payment service provider, bank, or money transmitter, and does not at any time hold, store, route, or take custody of donor funds. To accept and receive donations, Non-profit Account Holders are required to connect an active, verified Stripe account belonging to their organisation. Stripe handles all card processing, fund holding, and payout disbursements directly to your nominated bank account.

7.2 Stripe Connected Account Terms: Payment processing services on the Platform are provided by Stripe and are subject to the Stripe Connected Account Agreement, which includes the Stripe Terms of Service (collectively, the “Stripe Services Agreement”). By maintaining a Non-profit account or accepting donations on the Platform, you agree to be bound by the Stripe Services Agreement, as modified by Stripe from time to time. As a condition of enabling payment processing via Stripe, you agree to provide accurate and complete information about your organisation and authorise Visufund to share transaction data with Stripe. Your Stripe account remains your independent account; Visufund does not have administrative access to your bank details or full merchant settings. Visufund is responsible solely for supporting the technical API connection between your Stripe account and the Platform.

7.3 Fees & Netting Off: Contributions made through the Platform are subject to processing fees, which consist of Stripe’s payment processing fee and Visufund’s platform fee. Fees are automatically deducted from the gross donation amount at the time of transaction before the net funds are credited to your Stripe account balance. Processing fees vary depending on card type, currency, and international origin as set by Stripe. Visufund platform fees are tiered based on your Non-profit account plan:

• Free Plan: Standard 3.9% platform fee (or 2.5% on pages upgraded with a single-page product).
• Plus Plan (Annual Membership): Reduced 1.9% platform fee.
• Pro Plan (Annual Membership): 0% platform fee.

7.4 Payouts, Refunds & Chargebacks: Funds processed through Stripe are subject to Stripe’s standard rolling payout schedule and account verification procedures. New Stripe accounts may experience an initial security hold period set by Stripe before first payouts are released. Net available balances are paid out directly to your nominated bank account via BACS according to the payout schedule configured within your Stripe Dashboard. The Non-profit is solely responsible for configuring payout settings, maintaining valid bank details, handling donor refund requests, and settling any payment chargebacks or disputed transactions directly within Stripe.

8. Disclaimers & Limitation of Liability

8.1 "As Is" Service & Maintenance: The Platform and Website are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. Visufund does not guarantee that the Platform will be uninterrupted, error-free, secure, or free from viruses or technical defects. Visufund undertakes routine maintenance and server upkeep from time to time, making reasonable efforts to minimise operational disruption. However, access may be suspended or restricted during maintenance windows or due to unexpected technical failures.

8.2 Limitation of Liability: To the maximum extent permitted by applicable UK law, Visufund, its directors, employees, and agents shall not be liable for any indirect, incidental, consequential, special, or loss-of-profit damages, including but not limited to loss of donations, lost revenue, reputational damage, or loss of data arising out of or in connection with your use of (or inability to use) the Platform.

8.3 Cap on Liability: Subject to Section 8.4, Visufund’s total aggregate liability to any user or Non-profit Account Holder for all claims arising under or in connection with these Terms, whether in contract, tort (including negligence), or breach of statutory duty, shall be strictly limited to the greater of: (a) £100; or (b) the total amount of platform fees actually paid by you to Visufund in the 12 months preceding the event giving rise to the claim.

8.4 Statutory Exceptions: Nothing in these Terms excludes or limits Visufund’s liability for death or personal injury caused by its negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under English law.

9. Suspension & Termination

9.1 Termination by Visufund: Visufund may suspend, restrict, or terminate your account, access to the Platform, or any published page immediately, with or without prior notice where Visufund reasonably considers such action necessary to protect the Platform, its users, Account Holders, or to comply with applicable law. Circumstances in which Visufund may take such action include (without limitation) where:

• You materially breach these Terms or any associated policies;
• You fail to pay any outstanding fees or invoices within the agreed payment period;
• We reasonably suspect fraudulent, unlawful, misleading, abusive, or unauthorised activity in connection with your account or use of the Platform;
• Your use of the Platform presents a security risk, threatens the integrity or availability of the Platform, or infringes the rights of another person;
• We are required to do so by applicable law, regulation, court order, or the direction of a competent regulatory authority; or
• We reasonably believe that continued access to the Platform may expose Visufund, its users, or third parties to legal, financial, operational, or reputational risk.

Where reasonably practicable, Visufund will notify you of the suspension or termination and, where appropriate, provide you with an opportunity to remedy the issue before permanent termination. However, no prior notice or opportunity to remedy will be provided where Visufund reasonably considers that immediate action is necessary to prevent fraud, unlawful activity, security risks, harm to other users, or where prohibited by law.

9.2 Voluntary Account Closure: Account holders may terminate their account at any time by contacting Visufund support. Termination of your account does not relieve you of the obligation to pay any outstanding fees or invoices due prior to the date of closure.

9.3 Survival & Effect of Termination: Upon termination, all rights and licences granted to you under these Terms shall immediately cease, active pages will be unpublished, and your access to the Platform and account features will terminate. Provisions of these Terms which by their nature should survive termination—including Section 5.4 (Payment Methods & Invoicing), Section 6 (Data Protection & Reports), Section 8 (Disclaimers & Limitation of Liability), and Section 10 (General Provisions)—shall remain in full force and effect.

10. General Provisions

10.1 Governing Law & Jurisdiction: These Terms, their subject matter, and their formation (and any non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales. You irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or their subject matter.

10.2 Variations & Amendments: Visufund reserves the right to modify or update these Terms at any time. We will provide reasonable advance notice of material changes by posting the updated terms on the Website or emailing registered account holders. Your continued use of the Platform following the posting of revised Terms constitutes your binding acceptance of the changes.

10.3 Force Majeure: Visufund shall not be held liable or responsible for any failure to perform, or delay in performance of, any of its obligations under these Terms caused by events outside its reasonable control (a "Force Majeure Event"), including but not limited to third-party cloud provider failure, internet service provider disruptions, cyberattacks, acts of God, governmental restrictions, or natural disasters.

10.4 Severability: If any provision (or part-provision) of these Terms is found by any court or competent authority to be invalid, unlawful, or unenforceable, that provision shall be deemed severed from the remaining terms, which shall continue to be valid and enforceable to the fullest extent permitted by law.

10.5 Waiver: No failure or delay by Visufund to exercise any right or remedy provided under these Terms or by law shall constitute a waiver of that or any other right or remedy, nor shall it prevent or restrict the further exercise of that or any other right or remedy.

10.6 Third-Party Services: The Platform may integrate with or contain links to third-party services (including Stripe). Visufund does not endorse and is not responsible for the availability, content, policies, or practices of any third-party service providers.

10.7 Assignment: You may not assign, transfer, or sub-licence any of your rights or obligations under these Terms without Visufund’s prior written consent. Visufund may assign or transfer its rights and obligations under these Terms to an affiliate or in connection with a merger, acquisition, corporate restructuring, or sale of assets.

10.8 Electronic Communications & Notices: By using the Platform, you consent to receiving operational and legal communications from Visufund electronically (via email or notices posted on the Website). You agree that all electronic agreements, notices, disclosures, and service communications satisfy any legal requirement that such communications be in writing. (This does not affect your rights regarding marketing communications, which are managed separately in accordance with our Privacy Policy.)

10.9 Entire Agreement: These Terms, together with our Privacy Policy and any applicable order confirmations, constitute the entire agreement between you and Visufund regarding your use of the Platform, superseding any prior oral or written agreements, representations, or understandings.