YOUR USE OF STUMUCH SERVICES IS SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS. PLEASE READ THEM CAREFULLY. YOUR FAILURE OR OMISSION TO PAY ATTENTION TO OR READ ANY PROVISION OF THE TERMS AND CONDITIONS SHALL NOT BE AN ACCEPTABLE GROUND TO EXCLUDE YOU FROM YOUR OBLIGATIONS UNDER THE TERMS AND CONDITIONS.
Donee Account and Donor Account refer respectively to the User Accounts designed to be used by the funding receiver and the donor. Fundraising Campaign refers to the promotional activity run by the donee to collect funds from the donor for a project that requires funding. STUMUCH refers to ARL Techniques, this website, its owner(s), partners (if applicable), directors, employees, agents, contractors, service providers and assigns authorized to act and perform on the behalf of the owner.
STUMUCH Services refers to all or any services provided by STUMUCH through the Site. STUMUCH User means any person using STUMUCH Services as a donor, donee, or any other visitor. User Account refers to the donee account or a donor account created in the prescribed manner on STUMUCH Site.
We provide you with services whereby you, as an individual or group that requires funding, may attract the donation from donors to fund your needs by running the Fundraising Campaign on STUMUCH. STUMUCH is merely a crowdfunding platform facilitating the donor-donee transaction in good faith with no role to act as a party to the transaction, agent or broker of either party or financial institution. STUMUCH is not to be used for and does not support Money Laundering in any form.
We allow the Donee to create a Donee Account with us, start Fundraising Campaign and raise donation for their education. Once the funds have been raised, we will send them to the concerned donee in the prescribed manner and the specified time under the Terms.
The Donor may create a Donor Account, if such a feature exists for the Donor, search and determine the deserving student and donate any amount not less than the amount prescribed hereunder.
You are allowed to use STUMUCH Services only if you meet the basic qualification as hereinafter provided. STUMUCH Services are not designed for minors. If you are a child under thirteen (13) years of age, you must immediately stop the use of STUMUCH. Your continued use of STUMUCH will constitute your valid representation and warranty that you are not below the age of thirteen (13).
The use of STUMUCH Services is subject to the strict compliance with the Terms and Conditions. You are advised to read the Terms and Conditions with utmost care and considerations. Any omission or failure to read the Terms and Conditions shall not be a reasonable ground to excuse from any liability arising from these Terms and Conditions.
STUMUCH Services may be used by individuals and organizations. Individuals can register on behalf of organizations and if required provide paperwork to show their association to the organizations they belong to. We may terminate your User Account at any time without any prior notification if we find you in breach of the Terms and Conditions.
You can visit and view the content available on Site at any time of your choice. But certain features of STUMUCH Services are available to our registered users only. You, as a donee, may register yourself for free by creating a Donee Account with STUMUCH.
When funding student loans, submit the following information, which must be accurate, complete, true, and current:
You are responsible to maintain the security of your User Account. All activities carried out under your User Account shall be tracked and recorded with reference to your User Account. Any lapse or omission in safeguarding your User Account may cause an unauthorized access to your User account exposing you to any criminal and civil liability. We strongly advise you to take appropriate precautions to protect the user ID and password assigned to your User Account.
We reserve the right to suspend, limit and terminate your User Account or refuse to use any part or aspect of STUMUCH Services at any time without prior notification.
You are liable to update your information you submitted with reference to your User Account. Any inconsistency found in the registered information will amount to a material breach of the Terms and Conditions and your funds may be retained until your information has been verified.
Fundraising Campaign enables you to spread your donation appeal across the potential donors. You will provide in the content of the Fundraising Campaign the information about you, your funding project, and the funds you currently require. The Fundraising Campaign may also include your photo and video depicting your message. The information you provide with reference to your Fundraising Campaign must be complete, true and accurate. STUMUCH is a public platform. All active Fundraising Campaigns and student profiles are publicly viewable and any potential donor may donate any amount not less than the amount fixed hereunder to any funding need of their choice. We also use appropriate means to promote the Fundraising Campaigns and student profiles through advertising channels and social media platforms. Please use Fundraising Campaign tips to promote your campaign available at FAQs page. You must ensure that the donation, appreciation, comments and review you receive are genuine, natural and true. No transfer of money shall be allowed other than the purposes expressly provided hereunder. Nothing hereunder shall be deemed, construed and/or interpreted to constitute any warranty and/or representation that your Fundraising Campaign shall succeed to raise the funds.
We don’t represent and warrant that the donee profiles and Fundraising Campaign contain true, authentic and accurate account of the information about the donee or orgnizations that donees are associated with. We shall not be responsible for any misrepresentation, false information, and fraudulent content posted by the donee. However, we try our best to ensure that all funding projects requesting for the donations contain true, authentic, complete and current information (best effort basis). Since we work remotely through online resources, the scope of our efforts of investigation and verifications is limited which makes us unable to accept responsibility for any misrepresentation, cheating, fraudulent and false information in the donee profiles and Fundraising Campaign.
You can share your Fundraising Campaign link with your friends and family through any social media website or email. You acknowledge that we own no responsibility arising from sharing your Fundraising Campaign.
U.S. Donees - The donation money received during the week with reference to your Fundraising Campaign is transferred on every Monday to your Loan Account (described in details in FAQs page). Stripe, our payment processor, helps us in the collection of credit card donations and with depositing them into STUMUCH bank account/s. Bank payments received through our e-check feature can take three (3) to six (6) days to process and be received. You are responsible to provide us with true, current and complete information about your funding project. The funds may take three (3) to six (6) days for processing before they are transferred to your account. The donated funds are remitted free of cost.
Donees in all Other Countries - The donation money received will be collected by Stumuch until it reaches a $150 threshold after which Stumuch admnistration will contact the Donee for information regarding the trasnfer of funds. Stripe, our payment processor, helps us in the collection of credit card donations and with depositing them into STUMUCH bank account/s. Bank payments received through our e-check feature can take three (3) to six (6) days to process and be received. You are responsible to provide us with true, current and complete information about your funding project. The funds may take three (3) to six (6) days for processing before they are transferred to your account. Depending on the country of residence of the donee, wire transfer changes maybe subtracted from funds transferred.
Unless the violation of these Terms and Conditions or the applicable law constitute a material breach, your donations shall not be retained by STUMUCH; provided that STUMUCH may retain your funds on the request or order of the legitimate authorities, bodies or institutions established under the applicable law.
Subject to the definition of the applicable laws, the donations made through the Fundraising Campaign are generally considered as gifts, but you are recommended to seek advice from the tax law professional to check if such donations are taxable with reference to your case. We are not liable to report the funds you are donated as your earned income. We strongly advise you to seek the advice from the tax law professional and adopt the procedure required by the applicable laws relating to the tax.
STUMUCH aims to allow the potential donor and donee to come in contact with each other. The donor acknowledges that they voluntarily make donations to the donee with the sole purpose to show compassion and love for their fellow human being in the times they direly need help. The donor expressly represents and warrants that the donations are made with no intention to commit any illegal act or avoid any tax liability or to deprive any person from their justified rights. The donor and donee represent that no covert agreement exists between the donor and donee with reference to the donations or any Fundraising Campaign in breach of these Terms and Conditions.
We try our best to ensure that the profile of the donee and the Fundraising Campaign requesting for the donations contain true, authentic, complete and current information. Since we work remotely through online resources, the scope of our investigation and verifications is limited which makes us unable to own responsibility for any misrepresentation, cheating, fraudulent and false information. The donation made by the donor are processed and deposited into the STUMUCH account by Stripe or our e-check processing feature. For U.S. Donees, the funds available with STUMUCH, post successfull processing, are remitted to the donee on every Monday. Given the fast turnaround of the remitting the funds to the donee, no refunds are possible in this entire process. For non U.S. or international donees, Stumuch will contact the donees for fund trasnfer when a $150 collection threshold is reached. If a donor believes they have a legitimate reason for the refund, they may contact the STUMUCH team about their transaction and give the reasons to that effect. We make no guarantee for approving refunds and will deal with such requests on a case-to-case basis. You are strongly advised to become attentive at the time of making donations and ensure that you mean to donate certain amount of money to a particular donee.
Bank Payments or E-Check Processing: We retain your routing and bank account numbers for trasnaction log and accounting purposes. Digital signatures are not retained once the e-checks are processed successfully.
You understand that this platform may contain some fake student profiles and Fundraising Campaigns which may expose you to the risk of donating to a person who is not entitled to such donations. You also acknowledge that the donations made through STUMUCH may not be deductable amount from your taxable income. You are solely responsible for satisfying yourself of the eligibility of the donee. We own no liability for any unpleasant experience with respect to the donation you may have made through STUMUCH. We retain the prescribed percentage of the donated funds as a service charge to run this Site and associated services. All donations you make are tracked under your donor account and you will be notified through your email of all activities carried out under your donor account.
The User Content includes the publicly available information about the donee, description, ideas, suggestions, comments, reviews, feedback, or any text, audio, video, graphics, information, communication, or any content posted and/or uploaded, shared and transmitted by you with reference to your User Account, User profile or Fundraising Campaign, as the case may be.
You warrant and represent that you have all rights, powers, capacity and consent, where applicable, in and to your User Content to use, transmit, exploit or grant license to any person or entity for any purpose.
You shall not create, post or transmit, display, publish, or distribute, or store any Prohibited Content which includes the following:
You shall not:
STUMUCH OWNS NO LIABILITY FOR ANY PROHIBITED CONTENT OR PROHIBITED CONDUCT USED, COMMITTED OR CARRIED OUT BY ANY USER OR ANY THIRD PARTY IN VIOLATION OF THE TERMS AND CONDITIONS AND ANY OTHER POLICIES OF STUMUCH. WE SHALL NOT BE LIABLE FOR ANY REPRESENTATIONS MADE BY ANY STUMUCH USER OR ANY THIRD PARTY.
STUMUCH may use, display or allow to display third party content, hyperlinks, services or program to improve and optimize user experience. We shall not be responsible for such third party content or services or any consequences of the use of the same. You are strongly recommended to check the user agreement, terms and conditions or any policy of such third party originating such third party content or services.
STUMUCH Content includes all information, content, applications, photos, audio, videos, text, graphics, designs, description, trademark, service mark, and logos. STUMUCH Content is protected by the applicable laws, business traditions or practices, patents, copyright, and other intellectual property and proprietary rights. Unless you are using STUMUCH Content as it is designed and intended to be used, you shall not modify, edit, copy, display, distribute, sell, lease or reproduce or create derivative works based on STUMUCH Content, in whole or in part.
Subject to the Terms and Conditions, you are hereby granted a limited, revocable, non-sublicensable and conditional license to access and use STUMUCH Content and STUMUCH Services in the manner prescribed by the Terms and Conditions. You are allowed to use STUMUCH Content and our Services in strict observance of the Terms and Conditions. Any unauthorized use of STUMUCH Content or our Services shall be a material breach of these Terms and Conditions and the rights protected under the applicable laws.
We are law abiding business organizations and respect the intellectual property rights owned by others. If you have reason to believe that STUMUCH Content or any User Contentcontains any content or work that infringes your copyrights, you must immediately notify to that effect in the manner hereinafter provided.
Under the applicable laws, 17 U.S.C. §512(c)(3),you shall send the DMCA Notice that should be written as hereinafter provided. The notice must specify and locate the work infringed in STUMUCH Content and where it is originally made available by its original owner. The notice must contain the name, address, email, phone number and physical or electronic signature of the person sending the notice (“sender”). The notice must also contain a statement that the sender believes in good faith that the mentioned work is used by STUMUCH in violation of the owner’s copyrights.
The sender must state under the penalty of perjury at the bottom of the notice that the information in such notice is correct and accurate to the best of the sender’s knowledge and that the sender is legitimate owner of the work mentioned therein. If we have reason to believe that our use of the work mentioned in the DMCA notice does not infringe your rights, we may send you a counter-notice.
You warrant and represent that:
NOTWITHSTANDING ANYTHING EXPRESSLY PROVIDED IN THIS AGREEMENT OR ANY LAW, NEITHER STUMUCH NOR ITS DIRECTORS, AFFILIATES, EMPLOYEES, CONTRACTORS, SUB-CONTRACTORS, AGENTS, AND PARTNERS MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND OR OF ANY FORM INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF (i) MERCHANTABILITY, (ii) FITNESS FOR A PARTICULAR PURPOSE OR (iii) NON-INFRINGEMENT. GIVEN THE NATURE OF THE INTERNET BASED SERVICES AND TECHNOLOGIES, STUMUCH DOES NOT GIVE ANY KIND OF WARRANTIES OR GUARANTEES THAT ITS SERVICES OFFERED ON OR THROUGH THE WEBSITE SHALL BE WITHOUT INTERRUPTION, ERROR, MISTAKES, OMISSIONS, SLIP, OR FAULTS, INACCURACIES, INCORRECTNESS OR THAT STUMUCH SHALL CORRECT SUCH ISSUES IN THE PROVISION OF STUMUCH SERVICES OR RUNNING THE FUNDRAISING CAMPAIGNS WILL SUCCEED TO COLLECT DONATIONS.
UNLESS OTHERWISE PROVIDED HEREUNDER AND UP TO THE MAXIMUM EXTENT PERMITTED BY THE APPLICABLE LAW, STUMUCH SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY DIRECTLY OR INDIRECTLY OR IN ANY MANNER FOR ANY LOSS OR DAMAGES INCLUDING, WITHOUT LIMITATION, SPECIAL, CONSEQUENTIAL, EXAMPLARY, INCIDENTAL, PUNITIVE, OR DIRECT OR INDIRECT DAMAGES OR LOSS REGARDLESS OF THE FORM OF ACTION, UNDER ANY LAW WHETHER IN CONTRACT, TORT, EQUITY, STRICT LIABILITY, OR OTHERWISE, EVEN IF STUMUCH IS INFORMED OF THE POSSIBILITY OF ANY SUCH DAMAGES OR LOSS PRIOR TO THEIR OCCURRENCE. UNLESS OTHERWISE PROVIDED IN THIS AGREEMENT OR ANY OTHER LAW FOR THE TIME BEING IN FORCE, STUMUCH’S SOLE AND COMPLETE LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF THESE TERMS AND CONDITIONS AND YOUR USE OF STUMUCH’S SERVICES, OR ANY ERRORS, MISTAKE, OMISSIONS, DEFECT OR TYPOS SHALL NOT EXCEED $0.
YOU ACKNOWLEDGE THAT STUMUCH SERVICE MAY EXPOSE YOU TO CERTAIN RISKS. YOU USE STUMUCH SERVICE SOLELY AT YOUR OWN RISK. STUMUCH SERVICE IS MADE AVAILABLE ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY THE APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL AND ANY WARRANTIES AND REPRESENTATIONS OF ANY KIND SUCH AS EXPRESS, IMPLIED OR STATUTORY, INCLUDING, WITHOUT LIMITATIONS, THE IMPLIED WARRANTIES OF USEFULNESS, MERCHANTABILITY, SUITABILITY, NON-INFRINGEMENTAND FITNESS FOR A PARTICULAR PURPOSE.
WE MAKE NO WARRANTY OR CONDITION THAT STUMUCH SERVICE WILL SATISFY YOUR REQUIREMENTS, OR MEET YOUR EXPECTATIONS, STUMUCH SERVICE WILL BE SMOOTH, SECURE, TIMELY, PERFECT, OR THE OUTCOME OBTAINED FROM YOUR USE OF STUMUCH SERVICE WILL BE TRUTHFUL, RELIABLE, OR CREDIBLE.
You agree to release and hold STUMUCH indemnified and harmless from and against any and all losses, damages such as claims, actions,fines, costs, expenses, awards,and reasonable attorneys' fees arising out of your use of STUMUCH Services, your Fundraising Campaign, your User Content, any contribution or donation you may have made to any student, or your breach or violations of these Terms of Service or any rights of third party or your fellow user or donor or donee.
Special Provisions for California users. California Civil Code Section 1542 provides: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor." If you are resident of California, you expressly waive the liability constituted by the above section.
STUMUCH Services are subject to the law of the State of California, USA. Any dispute arising from the Terms and Conditions or STUMUCH Services shall be resolved in the manner hereinafter provided.
We have our internal support services and dispute resolution services which eagerly listen to you and resolve your problems within the shortest possible time. In case our support and dispute resolution services fails to resolve the difference, the matter may be taken to a single arbitrator appointed under the rule of the American Arbitration Association (AAA); provided that the arbitration shall be on the individual basis, and no arbitration shall be taken place on the class basis and class action.
The award of the arbitrator shall be final and may be executed by the court having the jurisdiction over the place where the party against whom the award has been issued resides or carries on business. The expenses and costs incurred on the arbitration shall be paid to the prevailing party by the party who has substantially failed. If neither party substantially fails, the expenses and costs shall be awarded to the parties equally.
STUMUCH shall not be liable for any breach, failure or omission to provide STUMUCH Services caused by an event of Force Majeure such as natural disasters, strikes, social disturbance, accidents, communication failure, or other delays caused by the events beyond STUMUCH’s control; provided that STUMUCH Services shall use the best efforts to restore STUMUCH Services during or soon after such event ends. The Terms and Conditions shall inure to the benefit of and be binding upon the successors, partners and permitted assigns of STUMUCH; provided that the foregoing provision shall be applicable to STUMUCH User if reasonably applicable. STUMUCH may assign any rights or obligation under the Terms and Conditions to any third party or service providers; provided that STUMUCH User cannot assign any right or liabilities under the Terms and Conditions relating to their User Content, User Account, Fundraising Campaign or the donated money to any other user or any third party.
Any provision or part thereof shall be severed from the Terms and Conditions without affecting the other provisions if such provision or part thereof is found to be illegal, invalid, void or contrary to the law by any competent authority.
In compliance with California Civil Code Section 1789.3, if you are from California, you are informed hereby that you may request us for an electronic copy of the Terms and Conditions and provide us with your email address. We will send you the copy of these Terms and Conditions as soon as possible. If STUMUCH has failed to address your grievances despite contacting the support services in the prescribed manner, you may also contact at the following authorities:
The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs, 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, Telephone (800) 952-5210.
All communications, queries, and/or notice to be made under the Terms and Conditions shall be made using the following address:
2403 Hummel Court, San Jose, CA, 95148, USA