Terms ofService

By accessing or using Chema ("the Platform"), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, please do not use the Platform.

These terms apply to all visitors, donors, and fundraiser organisers. We reserve the right to update these terms at any time. Continued use of the Platform after changes are posted constitutes your acceptance.

Chema is a community-powered fundraising platform that enables individuals, families, and charitable organisations to raise funds for funerals, medical needs, education, and other community causes.

Chema provides the technology and payment infrastructure. We do not guarantee that any fundraising goal will be met, and we are not responsible for the use of funds by fundraiser organisers.

To create and manage a fundraiser you must register for an account. You agree to:

• Provide accurate and truthful information during registration.
• Keep your login credentials confidential.
• Notify us immediately if you suspect unauthorised access to your account.
• Be at least 18 years of age, or have the consent of a parent or guardian.

You are responsible for all activity that occurs under your account.

When creating a fundraiser, you agree that:

• All information provided is accurate, honest, and not misleading.
• You have the right to raise funds on behalf of the beneficiary named.
• Funds raised will be used solely for the stated purpose.
• Your fundraiser does not violate any applicable laws or regulations.
• You will not use the Platform to raise funds for illegal activities, hate speech, violence, or any content that Chema deems harmful.

Chema reserves the right to remove any fundraiser that violates these guidelines without prior notice.

Donations made through Chema are processed by our payment partners (PayPal, Paynow, EcoCash). By donating, you confirm that:

• You are authorised to use the payment method provided.
• You understand that donations are generally non-refundable unless the fundraiser is found to be fraudulent.
• You may donate anonymously by selecting the anonymous option at checkout.

Chema charges a platform fee on donations to sustain operations. The fee percentage is displayed transparently before you publish a fundraiser.

Withdrawals are processed to your nominated mobile wallet or bank account within 24 hours of approval. Minimum withdrawal amounts and supported methods are listed in your fundraiser dashboard.

Chema is not responsible for delays caused by third-party payment processors or financial institutions.

You agree not to:

• Create fraudulent or deceptive fundraisers.
• Use the Platform to launder money or finance illegal activities.
• Attempt to reverse-engineer, scrape, or interfere with the Platform's infrastructure.
• Harass, threaten, or abuse other users.
• Post content that infringes third-party intellectual property rights.

Violation of these prohibitions may result in immediate account termination and, where appropriate, referral to law enforcement.

To the fullest extent permitted by law, Chema and its affiliates will not be liable for:

• Any indirect, incidental, or consequential damages arising from your use of the Platform.
• The actions or omissions of fundraiser organisers or donors.
• Losses resulting from unauthorised access to your account due to your failure to protect your credentials.
• Service interruptions caused by factors outside our control.

Our total liability to you for any claim shall not exceed the total fees paid by you to Chema in the 12 months preceding the claim.

You may close your account at any time by contacting our support team. Upon termination, your public fundraiser pages will be removed and your personal data will be deleted in accordance with our Privacy Policy.

Chema may suspend or terminate your account at its discretion if you breach these Terms, without liability or prior notice.

These Terms are governed by the laws of Zimbabwe. Any disputes arising from your use of Chema shall be subject to the exclusive jurisdiction of the courts of Zimbabwe.

If you have questions about these Terms of Service, please contact us:

• Email: cas@area46.co.zw
• Phone: +263 77 640 2402
• Address: Harare, Zimbabwe