1. Introduction

The Healing Hands & Learning Foundation is committed to serving communities through lawful charitable and welfare activities. This document forms the complete Privacy Policy, Donation Policy, Payment Policy, Refund Policy, Chargeback Policy, and Terms & Conditions that govern your use of the THHLF website and related services.

Our charitable work includes, but is not limited to:

• Child education and educational support
• Learning and skills development
• Educational opportunities for underserved communities
• Youth development and welfare
• Rehabilitation and reintegration initiatives
• Community development
• Awareness and prevention programs
• Humanitarian and welfare support
• Other lawful charitable activities consistent with our nonprofit objectives

By accessing our website, submitting information, contacting THHLF, registering for a program, participating in an activity, or making a donation, you acknowledge that you have read, understood, and agreed to this Policy.

If you do not agree with these Terms, you should not use the donation facilities or submit personal information through the website.

2. Organization Information

For questions, complaints, donation verification, payment issues, privacy matters, or further clarification, please contact THHLF using the official contact details provided above.

3. Privacy Commitment

THHLF respects the privacy of donors, supporters, volunteers, beneficiaries, website visitors, staff members, partners, and other individuals who interact with the Foundation.

We are committed to handling personal information responsibly and taking reasonable measures to protect information from unauthorized access, misuse, disclosure, alteration, or destruction.

This Privacy Policy explains what information we may collect, why we collect it, how it may be used, when it may be disclosed, and how we seek to protect it.

4. Information We Collect

The information collected by THHLF depends on how you interact with our website and organization.

4.1 Personal Information

We may collect personal information voluntarily provided by you, including:

• Full name
• Email address
• Telephone or mobile number
• Postal and residential address
• Organization or institution
• Volunteer and event registration information
• Program participation details
• Information submitted through contact forms
• Communications with THHLF
• Donation and donor verification information
• Other information voluntarily provided by you

4.2 Donation and Payment Information

When you make a donation, THHLF may receive or process information including:

• Donor name and contact details
• Donation amount, date and time
• Payment method and transaction / reference number
• Payment status
• Donor verification information
• Information concerning payment disputes or chargebacks
• Information necessary to investigate suspected fraudulent or unauthorized transactions

5. Automatically Collected Information

When you visit the website, certain technical information may automatically be collected, including:

• IP address
• Browser type and device type
• Operating system
• Pages visited and date/time of access
• Referring website
• Technical logs and performance data
• Security-related information

This information may be used for website security, troubleshooting, analytics, fraud prevention, performance monitoring, and improvement of our website.

6. How We Use Personal Information

THHLF may use personal information for legitimate organizational purposes, including:

1. Processing and recording donations
2. Verifying donor identity and preventing fraud
3. Investigating suspicious transactions and resolving payment disputes
4. Maintaining accounting and financial records
5. Conducting audits and issuing donation acknowledgements
6. Communicating with donors and supporters
7. Responding to inquiries and managing volunteers
8. Managing educational, rehabilitation and welfare programs
9. Maintaining website security and improving functionality
10. Complying with legal and regulatory requirements
11. Protecting THHLF, its donors, supporters and beneficiaries
12. Supporting the charitable objectives of THHLF

7. Donor Identification and Verification

THHLF may identify and verify donors before accepting or processing certain donations. Verification may be required based on donation amount, payment method, security concerns, fraud indicators, or legal requirements.

THHLF reserves the right to delay, suspend, reject, hold, or investigate a donation where appropriate verification cannot be completed or where legitimate security, fraud, compliance, or other concerns exist.

8. Purpose and Legal Basis for Processing

Where applicable, THHLF may process personal information based on:

• Your consent
• Your request for a service or the need to process a donation
• Legitimate organizational interests
• Fraud prevention and security requirements
• Accounting and record-keeping requirements
• Legal or regulatory obligations
• Other lawful grounds available under applicable law

9. Sharing of Personal Information

THHLF does not sell donor personal information as a commercial product.

However, information may be disclosed where reasonably necessary to banks, payment gateways, payment processors, financial institutions, auditors, accountants, professional advisers, website and technology providers, security providers, government authorities, regulators, law-enforcement agencies, or other competent authorities for payment processing, fraud prevention, auditing, legal compliance, security, dispute resolution, investigation, or protection of THHLF and its beneficiaries.

10. Donor Confidentiality

THHLF respects donor confidentiality and takes reasonable measures to protect donor information. Donor information will not intentionally be disclosed for unrelated commercial purposes. However, information may be disclosed where necessary for legitimate payment, financial, auditing, legal, regulatory, security, fraud-prevention, or organizational purposes.

11. Public Donor Recognition

THHLF may acknowledge donors or supporters publicly where appropriate. Where applicable, donors may request that their names not be publicly displayed. Such confidentiality requests do not prevent THHLF from maintaining confidential records required for accounting, auditing, payment processing, legal compliance, or other legitimate purposes.

12. Children’s and Beneficiaries’ Privacy

THHLF works with children and young people and recognizes the importance of protecting their privacy, dignity, safety, and welfare. Information relating to children should only be provided by parents, legal guardians, authorized institutions, authorized staff members, or other persons legally authorized to provide the information.

THHLF will take reasonable measures to protect beneficiary information and use such information only for legitimate educational, welfare, rehabilitation, safeguarding, administrative, reporting, or charitable purposes.

13. Photographs, Videos and Beneficiary Stories

THHLF may document its charitable activities through photographs, videos, interviews, beneficiary stories, program reports, educational materials, and campaign materials. Such material may be used for awareness, education, fundraising, donor reporting, annual reports, website content, social media, and demonstrating charitable impact.

THHLF will take reasonable measures to protect vulnerable individuals from unnecessary exposure, exploitation, discrimination, embarrassment, or harm.

14. Cookies and Tracking Technologies

The THHLF website may use cookies and similar technologies for website functionality, user preferences, analytics, security, performance monitoring, website improvement, and understanding visitor interaction. Visitors may control cookies through their browser settings. Disabling certain cookies may affect the functionality of parts of the website.

15. Third-Party Websites

The THHLF website may contain links to third-party websites and services, including payment providers, banks, social media platforms, partner organizations, government websites, and educational resources. THHLF does not control third-party websites and is not responsible for their content, security, privacy practices, availability, or terms.

Users should review the relevant third-party privacy policies and terms before submitting personal or payment information.

16. Data Security

THHLF takes reasonable administrative, technical, and organizational measures to protect personal information against unauthorized access, misuse, alteration, disclosure, or destruction.

17. Data Retention

THHLF may retain personal and transaction information for as long as reasonably necessary for donation administration, financial accounting, auditing, fraud prevention, payment disputes, legal compliance, regulatory requirements, program administration, organizational record keeping, and legitimate charitable operations. When information is no longer reasonably required, THHLF may delete, anonymize, or securely dispose of it, subject to applicable retention requirements.

18. Privacy Requests

Individuals may contact THHLF regarding questions or concerns about their personal information. Where applicable, individuals may request access to certain personal information, correction of inaccurate information, information concerning how their information is used, deletion where legally permissible, and assistance regarding privacy concerns.

THHLF may require reasonable identity verification before processing a privacy request.

19. Nature of Donations

A donation to THHLF is a voluntary charitable contribution intended to support the Foundation’s nonprofit mission. A donation is not a purchase of goods or services unless expressly stated otherwise.

Donations may support child education, educational access, learning resources, youth development, rehabilitation, community development, humanitarian assistance, educational infrastructure, awareness programs, welfare initiatives, and other legitimate charitable activities.

20. Donor Responsibility

Before making a donation, donors are responsible for verifying:

• Their identity
• Their authority to use the selected payment method
• Their payment information
• The donation amount
• Their contact information
• The transaction details

Donors should carefully review all information before confirming payment.

21. Donor Authorization

By completing a donation, the donor confirms that:

1. They are authorized to use the selected payment method
2. They have intentionally authorized the transaction
3. They have reviewed the donation amount
4. The information provided is accurate
5. They understand that the payment is a charitable contribution
6. They understand that THHLF may use or commit the donation for charitable activities
7. They have read and accepted this Policy

22. Strict No-Voluntary-Refund Policy

This policy applies regardless of whether a donor subsequently claims that the donation was made by mistake, the wrong amount was entered, the payment was duplicated or accidental, the donor changed their mind, the donor no longer wishes to support THHLF, the donor disagrees with a particular program, the payment was made without knowledge, the payment was unauthorized or fraudulent, or any other reason for which THHLF is not legally required to issue a refund or reversal.

No voluntary refund will be provided for an accepted donation.

23. Mistaken or Accidental Payments

Donors are responsible for checking the donation amount and payment details before submitting a transaction. A mistaken or accidental payment does not automatically create a right to a refund.

THHLF will not voluntarily refund an accepted donation merely because the donor subsequently claims that the payment was accidental or mistaken.

If you believe a payment has been made incorrectly, please contact THHLF for verification and review. Contacting THHLF does not itself create an entitlement to a refund.

24. Fraudulent or Unauthorized Payments

THHLF takes fraudulent and unauthorized payment activity seriously. No person may use another person’s bank account, credit card, debit card, electronic wallet, payment account, or other payment instrument without proper authorization.

If a payment appears to have been made using a fraudulent, stolen, unauthorized, or improperly used payment method, THHLF may investigate the transaction and cooperate with banks, payment gateways, financial institutions, payment processors, card networks, regulators, and law-enforcement agencies.

25. False or Abusive Fraud Claims

No person should falsely claim that a legitimate donation was fraudulent, unauthorized, accidental, or improperly processed for the purpose of recovering a charitable contribution. Where THHLF reasonably believes a claim is false, fraudulent, misleading, abusive, or dishonest, THHLF may investigate and take appropriate lawful action, including requesting supporting documentation, providing transaction evidence, contesting a payment dispute, reporting suspected fraudulent activity, and pursuing available legal remedies.

26. Chargeback Policy

26.1 Legitimate Donations

THHLF does not voluntarily accept chargebacks against legitimate accepted donations. If a donor initiates a chargeback relating to a legitimate donation, THHLF reserves the right to challenge and contest the chargeback through the applicable payment provider, bank, card network, or financial institution.

26.2 Chargeback Evidence

Where appropriate, THHLF may provide relevant evidence including donation records, transaction records, payment confirmation, donor information, donor verification records, website records, acceptance of applicable Terms, communications, and transaction/reference numbers.

26.3 Fraudulent Chargebacks

If THHLF reasonably believes that a chargeback is fraudulent, false, misleading, abusive, or intended to improperly recover a legitimate charitable contribution, THHLF reserves the right to take lawful action to protect the Foundation and its charitable funds.

27. No Refund for Donations Used or Committed for Welfare

THHLF continuously conducts charitable activities for children, young people, students, families, and underserved communities. Donations may be used or committed shortly after receipt for legitimate charitable purposes. Because charitable activities are continuously carried out, donations may be used or committed without delay.

THHLF does not hold accepted donations in reserve for future refund requests.

28. Designated Donations

Where a donation is designated for a particular program or campaign, THHLF will make reasonable efforts to use the donation consistently with that designation. If the designated program has been completed, suspended, cancelled, has received sufficient funding, is no longer operational, or cannot reasonably proceed, THHLF may, where legally permitted, use the funds for another substantially similar charitable purpose consistent with the Foundation’s mission.

29. Unrestricted Donations

Unless THHLF expressly confirms that a donation has been restricted to a specific purpose, the Foundation may determine how unrestricted donations can most effectively support its charitable mission, including education, child welfare, youth development, rehabilitation, community welfare, infrastructure, program administration, and other legitimate nonprofit purposes.

30. Donation Receipts and Records

Where applicable, THHLF may issue donation acknowledgements, receipts, confirmations, or transaction records. Donors should retain their payment confirmation and transaction/reference number. THHLF may retain donation records for accounting, auditing, financial reporting, fraud prevention, payment disputes, legal compliance, regulatory purposes, and organizational record keeping.

31. Acceptable Use of the Website

Users agree to use the THHLF website only for lawful and legitimate purposes. Users must not:

• Attempt unauthorized access or interfere with website operations
• Introduce malicious software or circumvent security controls
• Submit fraudulent information or impersonate another person
• Use unauthorized payment information or abuse donation facilities
• Conduct fraudulent transactions or attempt to manipulate payment systems
• Scrape or misuse website content unlawfully
• Use the website for any unlawful purposes

32. Website Content

THHLF makes reasonable efforts to maintain accurate and current information on its website. However, information relating to programs, projects, campaigns, events, funding requirements, beneficiary numbers, and other organizational matters may change from time to time. THHLF reserves the right to correct, update, modify, suspend, or discontinue website content, campaigns, programs, or services where reasonably necessary.

33. Intellectual Property

Unless otherwise stated, THHLF owns or has permission to use content appearing on its website, including logos, text, graphics, photographs, videos, reports, publications, campaign materials, educational materials, designs, and other original content. Such materials may not be reproduced, copied, sold, distributed, modified, or commercially exploited without appropriate authorization, except where permitted by applicable law.

34. Third-Party Services

THHLF may use third-party providers for website hosting, payment processing, email delivery, analytics, security, cloud services, communication, social media, and other technical services. THHLF is not responsible for independent third-party systems or policies beyond its reasonable control.

35. Website Availability

THHLF makes reasonable efforts to keep the website available. However, we do not guarantee uninterrupted, error-free, or continuously available access. The website may temporarily become unavailable because of maintenance, hosting issues, technical failures, internet interruptions, payment-provider interruptions, cybersecurity incidents, power failures, system upgrades, or circumstances beyond THHLF’s reasonable control.

36. No Guarantee of Specific Charitable Outcome

Donations support THHLF’s charitable mission and do not guarantee a specific beneficiary outcome, completion of a specific project, a particular delivery date, a specific individual benefit, or any particular charitable result. Charitable activities may be affected by funding availability, operational circumstances, government requirements, beneficiary eligibility, emergencies, resource availability, and other circumstances.

37. Limitation of Liability

To the maximum extent permitted by applicable law, THHLF shall not be responsible for losses arising from third-party payment failures, banking interruptions, internet outages, website downtime, third-party service failures, technical failures beyond reasonable control, unauthorized activity despite reasonable security measures, or events beyond THHLF’s reasonable control.

Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited.

38. Events Beyond Our Control

THHLF shall not be responsible for failure or delay caused by circumstances beyond its reasonable control, including natural disasters, government action, war, civil disturbance, telecommunications failures, internet failures, banking-system failures, payment-provider failures, power outages, cybersecurity incidents, and other unforeseen circumstances.

39. Indemnification

To the extent permitted by applicable law, a person who knowingly uses the THHLF website or donation facilities unlawfully, fraudulently, maliciously, or abusively may be responsible for losses, costs, claims, or expenses arising from that unlawful or abusive conduct. This provision does not apply to a person exercising lawful rights or raising a genuine dispute in good faith.

40. No Commercial or Ownership Interest

Making a donation does not create an employment relationship, partnership, agency, joint venture, investment relationship, ownership interest, or other commercial relationship between the donor and THHLF. A donor does not obtain ownership or control over THHLF or its assets by making a donation.

41. Complaints and Payment Questions

If you have a question, concern, complaint, payment issue, donation verification request, privacy concern, or transaction issue, please contact THHLF directly.

Where possible, please provide your name, contact information, donation date, donation amount, transaction/reference number, and a clear description of the concern. THHLF will review legitimate inquiries and provide appropriate clarification or verification.

Contacting THHLF does not automatically create a right to a refund.

42. Contact THHLF Before a Payment Dispute

If you have any question or concern regarding a donation or payment, we strongly encourage you to contact THHLF directly before initiating a chargeback or external payment dispute wherever reasonably possible. This allows THHLF to verify the transaction, review the circumstances, confirm payment information, investigate the concern, and provide appropriate clarification.

43. Governing Law and Jurisdiction

These Terms shall be interpreted in accordance with applicable laws and regulations governing THHLF and its activities. Any dispute that cannot be resolved through direct communication may be referred to the appropriate court, regulator, authority, or legally recognized dispute-resolution mechanism having jurisdiction. Nothing in these Terms is intended to remove or restrict any mandatory legal right or remedy that cannot lawfully be excluded.

44. Severability

If any provision of this Policy is determined to be invalid, unlawful, or unenforceable, that provision shall be limited or removed to the extent necessary. The remaining provisions shall continue to apply to the maximum extent permitted by law.

45. Waiver

Failure by THHLF to enforce any provision of these Terms on one occasion does not constitute a permanent waiver of the Foundation’s right to enforce that provision in the future.

46. Policy Changes

THHLF may update this Policy from time to time to reflect changes in applicable law, payment systems, organizational procedures, new programs, security requirements, operational requirements, or other legitimate organizational requirements. The latest version published on the official THHLF website will constitute the current version. The “Last Updated” date will be updated when material changes are made.

47. Entire Agreement

This Privacy Policy, Donation Policy, Payment Policy, Refund Policy, Chargeback Policy, and Terms & Conditions constitute the principal terms governing use of the THHLF website and donation facilities. Additional terms may apply to particular programs, campaigns, events, or services.

48. Donor Acknowledgement and Consent

49. Important Donation Notice

Once a donation has been successfully processed and accepted by THHLF:

• No voluntary return of the donated amount will be provided
• THHLF will not voluntarily reverse an accepted donation
• THHLF will contest improper or fraudulent chargebacks where appropriate

If you have a question regarding a donation or payment, please contact THHLF for further verification and clarification.

50. Final Donation Statement

The Healing Hands & Learning Foundation is continuously working for the welfare of children, young people, students, families, and underserved communities through education, learning, rehabilitation, youth development, and community welfare.

Donations entrusted to THHLF enable the Foundation to continue its charitable work and support individuals and communities in need. Because THHLF may use or commit donations toward ongoing charitable activities, donors are strongly requested to carefully verify all payment information before confirming a donation.

THHLF will contest improper, false, fraudulent, misleading, or abusive chargebacks relating to legitimate donations where appropriate. If anyone has a question, concern, payment issue, donation verification request, or other matter relating to a transaction, they should contact THHLF directly.

THHLF will review legitimate questions and provide appropriate clarification or further verification.

Contacting THHLF does not itself create an automatic entitlement to a refund.

Nothing in this Policy is intended to prevent or exclude a refund, reversal, or other remedy that THHLF is legally required to provide under applicable law, a binding order of a competent authority, or mandatory rules applicable to a bank, payment provider, card network, or other financial service provider.

Except where such a mandatory requirement applies: