← Legal & Policy Center

Refunds, Chargebacks & Disputes Policy

v2.0

Effective Date: [EFFECTIVE DATE] Last Updated: [LAST UPDATED] Version: 2.0

This Policy describes how refund requests, chargebacks, and disputes are handled on KidStarter. It forms part of the Agreement (see Terms of Service and Donor Terms).

1. General Rule

Donations are voluntary contributions and are generally final once processed. However, KidStarter recognizes that limited circumstances may warrant a refund.

2. Refund-Eligible Situations

KidStarter may, at its discretion, provide a refund in the following circumstances:

SituationConditions
Duplicate DonationSame donor, same amount, same Campaign, same day — confirmed as unintentional
Unauthorized TransactionThe payment method holder did not authorize the transaction (subject to verification and fraud investigation)
Processor ErrorA technical error by the payment processor caused an incorrect charge
Campaign Removed for Confirmed FraudThe Campaign was found to be fraudulent and funds have not yet been disbursed
Campaign Cancelled Before DisbursementThe Campaign was cancelled by the Creator or KidStarter before any disbursement occurred
Significant MisrepresentationThe Campaign materially misrepresented the need and funds have not been disbursed

3. Limits After Disbursement

3.1. If funds have already been disbursed to a school or vendor, refund availability may be limited or not possible, as KidStarter no longer holds the funds.

3.2. In cases of confirmed fraud after disbursement, KidStarter may attempt clawback from the recipient but cannot guarantee recovery.

3.3. Partial refunds may be available where only a portion of the donation has been disbursed.

4. How to Request a Refund

Contact [SUPPORT EMAIL] with the following information:

  • Your name and email associated with the donation;
  • Donation receipt reference number;
  • Campaign URL or name;
  • Reason for the refund request;
  • Any supporting documentation (e.g., bank statement showing unauthorized charge).

KidStarter aims to acknowledge refund requests within 3 business days and resolve them within 14 business days where feasible.

5. Refund Method

5.1. Refunds are processed to the original payment method used for the donation.

5.2. Processing times depend on the payment processor and your financial institution (typically 5–10 business days after approval).

5.3. KidStarter is not responsible for delays caused by your bank, card issuer, or payment provider.

5.4. Platform fees may or may not be refundable depending on the circumstances and the payment processor's policies.

6. Chargebacks

6.1. A "chargeback" occurs when a donor disputes a charge directly with their bank or card issuer, rather than requesting a refund from KidStarter.

6.2. Payment processors (e.g., Stripe) handle chargeback adjudication under their own rules and the card network rules.

6.3. KidStarter may:

  • place a hold on disbursements for the affected Campaign while a chargeback is pending;
  • provide evidence to the payment processor to contest fraudulent or unjustified chargebacks;
  • suspend or restrict accounts associated with excessive or abusive chargebacks.

6.4. Excessive chargebacks (more than [2] chargebacks in a [6]-month period from the same account) may result in account suspension and investigation.

7. Dispute Handling

7.1. If a dispute arises between a Donor and KidStarter, or between a Donor and a Creator, KidStarter will:

  • review the dispute and request documentation from both parties;
  • place holds on disbursements for the affected Campaign as appropriate;
  • attempt to resolve the dispute fairly and in accordance with these policies;
  • communicate the resolution to all parties.

7.2. KidStarter's determination on disputes is final, except where applicable law provides otherwise or where a payment processor's dispute process applies.

8. EU/UK Consumer Rights

8.1. Nothing in this Policy affects your statutory rights under applicable EU or UK consumer protection law.

8.2. EU consumers may use the European Commission's Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr.

9. Fraud Prevention

9.1. KidStarter investigates all refund requests and chargebacks for potential fraud.

9.2. Submitting a fraudulent refund request or chargeback may result in account suspension, ban, and reporting to payment processors and/or law enforcement.

10. Contact

Refund Requests: [SUPPORT EMAIL] General Support: [SUPPORT EMAIL] Fraud Reports: [REPORT LINK OR EMAIL]

help.title

Getting Started
Sign Up↗ /registerFull Guide (PDF)
Create an account at /register. Choose your role: Donor (support students), Teacher (create campaigns for students), Parent/Guardian (create campaigns for your child), Corporate Sponsor (sponsor schools and campaigns), or Charity (collect tax-exempt donations). Your role determines which dashboard features you see.
💡 Tip: Use your school email address if you have one — it speeds up organization verification later.
Onboarding Wizard↗ /onboarding
After registration, the onboarding wizard walks you through 4 steps: select your role, link your school/organization, choose a plan (Free, Teacher, or School), and confirm. You can skip and return later.
📝 Example: A teacher at Lincoln Elementary would: 1) Select "Teacher", 2) Search "Lincoln Elementary" in the org directory, 3) Choose the Free plan, 4) Confirm and land on their Creator Dashboard.
Plans & Pricing↗ /pricing
KidStarter offers three plans: Free (1 campaign, basic features), Teacher Starter ($5/mo — up to 10 campaigns, share kit, priority review), and School Plan ($20/mo — multi-teacher, school dashboard, bulk tools). All plans include Stripe payments and donation receipts (tax-exempt receipts for charity-backed campaigns).
📈 Benchmark: Similar platforms charge 5–8% platform fees. KidStarter charges 0% platform fee — only Stripe's standard 2.9% + $0.30 processing fee applies.
Language Switcher
KidStarter supports 8 languages: English, Portuguese, Spanish, Hungarian, French, German, Slovak, and Czech. Click the flag icon in the top navigation bar to switch. Your preference is saved in a cookie and persists across sessions.
💡 Tip: The language auto-detects from your browser settings on first visit. Override it anytime with the flag switcher.
Campaigns
Creating a Campaign↗ /dashboard/creatorFull Guide (PDF)
Navigate to your Creator Dashboard (/dashboard/creator) and click "Create Campaign". Fill in: student first name + last initial, their story, funding goal, category (STEM, Arts, Sports, Tuition, Supplies, General), and optionally upload a hero image.
📊 Impact: New campaigns enter DRAFT status. They become publicly visible only after passing moderation review (PENDING_REVIEW → APPROVED). Rejected campaigns can be edited and resubmitted.
⚠ Watch Out: Never include a student's full name, address, or other PII in the campaign story. Our moderation team will reject campaigns with identifying information.
Campaign Status Flow
Every campaign moves through a lifecycle: DRAFT (created, not submitted) → PENDING_REVIEW (submitted, awaiting moderator) → APPROVED (live, accepting donations) → FUNDED (goal reached) → COMPLETED (funds disbursed). Campaigns can also be REJECTED (with reason) or PAUSED (temporarily hidden).
📝 Example: Maria's campaign was created on Monday (DRAFT), submitted Tuesday morning (PENDING_REVIEW), approved Tuesday afternoon (APPROVED), reached its $500 goal by Friday (FUNDED), and funds were disbursed the following week (COMPLETED).
Campaign Verification
Every campaign must be verified before going live. Upload evidence of school affiliation: enrollment letter, school ID, teacher badge, or guardian consent form. These documents are reviewed privately by the moderation team and never shown publicly.
📈 Benchmark: GoFundMe has no verification for education campaigns. DonorsChoose requires teacher accounts only. KidStarter verifies both the creator AND the student's school enrollment.
💡 Tip: Campaigns with clear, scanned documents get approved faster than blurry phone photos.
Share Kit
Each approved campaign gets a Share Kit: pre-generated images (square for social, story for Instagram/WhatsApp, QR code for print), one-click share buttons (WhatsApp, Email, X, LinkedIn, Facebook), and a copyable campaign link. The post-donation share prompt is your highest-converting tool.
📊 Impact: Campaigns that are actively shared raise 3–5x more than those that aren't. Each share can generate 2–5 additional donations on average.
💡 Tip: Share within the first 48 hours of approval for maximum momentum. Post the QR code in your school's physical spaces.
Campaign Updates
Post updates to your campaign with text and photos showing the impact of donations. Updates appear on the campaign page and notify past donors. Go to your campaign page → "Post Update" section.
💡 Tip: Post an update with a photo within 1 week of receiving funds. Donors who see impact updates are 4x more likely to donate again.
Donations
Making a DonationFull Guide (PDF)
Click "Donate Now" on any campaign. Choose a preset amount or enter a custom one (minimum $1). Enter your name (optional — leave blank for anonymous) and email (for receipt). You're redirected to Stripe's secure checkout page.
💡 Tip: You don't need an account to donate. But creating one lets you track your donation history and get tax center access.
Donation Receipt↗ /receipt
After donating, you receive a receipt token (e.g. "abc123def"). Save this! You can look up your receipt anytime at Donors → Receipt Lookup (/receipt). The receipt shows: amount, date, campaign, and a unique token. For charity-backed campaigns, the receipt also displays the charity name, tax ID, and a "Tax-Exempt Donation" badge.
Tax Center↗ /tax-center
The Tax Center (/tax-center) provides information about tax deductibility of donations, including FAQs about charity-backed campaigns, tax-exempt receipts, and how to use your receipt for tax claims. Donations to charity-backed campaigns generate tax-exempt receipts with the charity's name and tax registration number.
⚠ Watch Out: KidStarter provides general tax information only. We are not tax advisors. Consult a qualified professional for your specific situation.
Organizations
Organization Directory↗ /organizations
The public directory (/organizations) lists all registered schools, nonprofits, and corporate partners. Each org shows: name, type, country, verification status, member count, and active campaigns. Users can search, filter by country, and claim membership.
Claiming an Organization
If your school or org is already in the directory, click "Claim" on its page. You'll need to verify via your institutional email address (e.g. name@lincoln-elementary.edu). Once verified, you're linked to the org and can create campaigns under it.
📝 Example: Ms. Chen searches "Lincoln Elementary", finds it in the directory, clicks Claim, enters her school email, receives a verification code, and is now linked as a member.
Admin — Discovery & Enrichment
Discovery Console↗ /dashboard/admin/discovery
The Discovery Console (/dashboard/admin/discovery) is the admin tool for finding, scraping, and enriching organization data. Access it from the Admin Dashboard → "🔍 Discovery Console" button. It shows all organizations in a table with enrichment status.
Seed Organizations
Click "Seed Organizations" to populate the directory with sample schools and partners. This creates org entries with names, types, countries, and website URLs. Useful for initial setup or demo purposes. You can also add orgs manually via /organizations or the API.
💡 Tip: For production, import real school data via CSV or the API at POST /api/organizations instead of using the seed function.
Web Scraper / Enrichment
The enrichment engine scrapes an organization's website and extracts structured data. Click "Enrich" next to any org with a website URL. The scraper fetches the page HTML (15-second timeout) and extracts: meta description, org-level contact emails (info@, contact@, admin@ — never personal emails), social links (LinkedIn, Twitter, Facebook), and page title.
📊 Impact: Enriched organizations have more complete profiles, which builds trust with donors and helps campaigns get more visibility. Orgs with descriptions and social links get 2x more campaign views.
📝 Example: Enriching "Lincoln Elementary" (website: lincoln-elementary.edu) extracts: description from meta tag, contact@lincoln-elementary.edu from page text, LinkedIn URL from footer links, and "Lincoln Elementary School — Excellence in Education" as page title.
⚠ Watch Out: The scraper respects a 15-second timeout. If a site is slow, blocks bots, or uses heavy JavaScript rendering, the scrape may fail. Retry later or add data manually.
Enrichment Fields & Confidence
Each extracted field has a confidence score (0.0–1.0). Scores reflect extraction reliability: meta descriptions score 0.8 (reliable), emails score 0.7 (need human review), social links score 0.9 (URL pattern matching is accurate), page titles score 0.6 (may include site navigation text).
💡 Tip: Always review extracted emails before approving. Verify they belong to the actual organization, not an ad network or third-party service on the page.
Approving Enriched Fields
After scraping, review extracted fields inline. Click "Approve" to push a field to the org's public profile (description, contact email, social links). Click "Reject" to discard. Approved fields immediately update the organization's listing in the public directory.
📊 Impact: Approving a description field makes the org more discoverable in search. Approving contact emails enables the platform to send verification and notification emails to the organization.
Verifying Organizations
After enrichment, change an org's status to "Approved" to make it visible in the public directory. Unverified orgs are hidden from public view but still accessible by direct URL. Verification confirms the org is a real, legitimate institution.
📝 Example: Workflow: 1) Seed/import org with website → 2) Click Enrich → 3) Review and approve fields → 4) Change status to Approved → Org appears in public directory.
Admin — Moderation
Moderation Queue↗ /dashboard/modFull Guide (PDF)
The moderation queue (/dashboard/mod) shows all campaigns with PENDING_REVIEW status. Moderators and Platform Admins review each campaign's story, student info, evidence documents, and funding goal before approving or rejecting.
Reviewing a Campaign
Click a campaign in the queue to see full details: student first name + last initial, story text, category, goal amount, hero image, and uploaded verification evidence. Check for: specific and verifiable need, appropriate goal amount, valid school affiliation, no PII exposed.
⚠ Watch Out: Red flags: vague or generic stories, unusually high goal amounts (>$5,000 for individual students), no school affiliation, duplicate content from other campaigns, or requests for cash rather than specific items/services.
Approve / Reject / Pause
Approve makes the campaign live and publicly visible. Reject returns it to the creator with a reason code — they can edit and resubmit. Pause temporarily hides an approved campaign (preserving data) if issues arise post-approval. All actions are logged in the audit trail.
💡 Tip: When rejecting, select a specific reason code. "Insufficient evidence" is more helpful than "Rejected" — it tells the creator exactly what to fix.
Admin — Analytics
Admin Dashboard↗ /dashboard/adminFull Guide (PDF)
The Admin Dashboard (/dashboard/admin) shows platform-wide metrics: total raised, total donations, active campaigns, pending reviews, total users, and a 7-day donation chart. Quick actions: Discovery Console, Guides, and Finance CSV Export.
Finance CSV Export
Click "📊 Export Finance CSV" on the Admin Dashboard to download a CSV of all donations with: date, amount, donor email, campaign, status, Stripe payment ID. Useful for accounting, reconciliation, and tax reporting.
⚠ Watch Out: The export contains donor emails (PII). Handle in accordance with GDPR and your data protection policy. Do not share publicly.
Corporate Sponsorship
Sponsor Program↗ /dashboard/sponsorFull Guide (PDF)
Corporate sponsors create programs with a budget, target regions, and categories. Programs can be: Direct Sponsorship (fund specific campaigns), School Adoption (pledge to a school), or Matching (match community donations). Managed at /dashboard/sponsor.
Adopt-a-School↗ /dashboard/sponsor/adopt
From /dashboard/sponsor/adopt, a corporate sponsor selects a school from the org directory and pledges a funding amount. This creates a SchoolAdoption record. The sponsor can then allocate funds to specific campaigns at that school, track spending vs budget, and export impact reports.
📝 Example: TechCorp adopts Lincoln Elementary with a $10,000 annual budget. They allocate $2,500 to "Laptops for CS Lab", $1,500 to "Art Supplies Room 204", and keep $6,000 for future campaigns. The Sponsor Dashboard shows 40% allocated, 60% remaining.
Vendor Partners
Vendor Portal↗ /dashboard/vendor
Vendor partners (meal providers, school supply companies) manage their offers at /dashboard/vendor. They create voucher codes that students can redeem at participating locations. Vouchers are funded from campaign budgets.
Meal Vouchers
Meal vouchers are codes (e.g. "LUNCH-A3F2") redeemable at vendor locations for student meals. Created by vendors, funded from campaign budgets, distributed to students. Each voucher has: amount, expiry date, student assignment, and redemption status.
📝 Example: A campaign raises $200 for student meals. The creator purchases 40 × $5 meal vouchers from FoodPartner. Each student receives a code they show at the cafeteria. The vendor marks codes as redeemed, and the dashboard shows redemption rates.
Platform Settings
Trust & Safety↗ /trust-safety
KidStarter's trust and safety page (/trust-safety) explains: campaign verification process, PII protection, payment security (Stripe PCI-DSS), content moderation, and reporting mechanisms. Every campaign shows a "Verified" badge after passing review.
User Roles
Platform roles: DONOR (browse, donate), CREATOR_TEACHER (create campaigns, post updates), CREATOR_GUARDIAN (create campaigns for their child), ORG_SCHOOL_ADMIN (manage school-wide campaigns), CORPORATE_ADMIN (manage sponsor programs), CHARITY_ADMIN (manage charity, enable tax-exempt receipts), MODERATOR (review campaigns), PLATFORM_ADMIN (full access), FINANCE_OPS (financial exports and reporting). Roles are assigned during registration or by admins.
💡 Tip: Users can have only one role. To change a user's role, a Platform Admin must update it from the Admin Dashboard user management section.