Article 1 — Who we are and what these rules cover
Donations are received by the Non-governmental association “Santamore”, Teuta 113, Porto Montenegro, 85320 Tivat, registration number [[PLACEHOLDER]], PIB [[PLACEHOLDER]], email [[PLACEHOLDER: contact email]] (hereinafter: we, the association). These rules govern how we receive donations, what we do with them, what we publish, how we handle refunds and cancellations, and what happens with entry fees. All payments are in euros (EUR).
By donating you accept these rules in the version published at the time of payment. Entry contributions for events are donations too, and the Event Terms also apply to them.
Article 2 — Two funds
We keep two strictly separate funds.
The Impact Fund consists of donations from individuals and companies, money raised by participants on their fundraiser pages, contributions from collection boxes, gifts in memory, voluntary fee cover, voluntary entry contributions for events and grants. One hundred percent of the net donation amount is paid out to beneficiaries; not a cent goes to salaries, overheads or the platform.
The Operations Fund consists of sponsorships, membership fees and income from the sale of merchandise. It pays for organising: permits, insurance, medical services, equipment, the platform, salaries. By exception, an event's entry contributions go to the Operations Fund when its page says so.
Which beneficiaries receive Impact Fund money is decided by the independent Grants Committee under published criteria; the founders, the director and sponsors do not decide. Every payment in and every payment out is visible in the public ledger on the Transparency page.
Article 3 — A donation is a voluntary gift
A donation is a voluntary gift to the association without consideration. It is not a purchase of goods or services, it gives no right to influence the selection of beneficiaries or the work of the association, and as a rule it is not refunded. The exceptions for duplicate, erroneous and unauthorised payments are governed by Article 12, and those we refund without fuss.
A donation cannot be conditioned on payment to a specific person, other than by giving to a campaign we have published for that beneficiary (Article 6).
Article 4 — Ways to give
You can donate:
- by card through the processor Monri, once card payments are live: the payment is protected by 3-D Secure verification, and the card number never passes through our servers or records;
- by bank transfer (SEPA) to our account [[PLACEHOLDER: IBAN]] at [[PLACEHOLDER: bank]], BIC [[PLACEHOLDER]], with a payment reference in the form SM-MMYY-NNNN that automatically links your payment to a campaign or a fundraiser page; the platform shows the IBAN, the reference and a QR code for banking apps;
- in cash at events and through participants who raise funds: the fundraiser logs the cash on the platform with the status “pending hand-in”, and the payment enters the public ledger once the association confirms receipt and deposits it in the account;
- by other ways we publish on the Support page (for example collection boxes, payment slips), under the same rules.
We do not accept donations in cryptocurrencies, by cheque or in kind through the platform; in-kind gifts are governed by Article 9.
Article 5 — What happens to your payment
A card payment enters the records as soon as the processor approves it. A bank transfer is recorded as “pending” as soon as you state your intention to pay, and is approved when it arrives in the account and we match it by the payment reference, normally within one working day of receiving the statement; until then it does not count in the public totals. Cash is approved when the association confirms receipt.
An approved payment is never deleted or edited. Every correction, refund or reallocation is a new ledger row with the opposite sign, visible beside the original payment.
A payment without a reference or with an unknown reference is booked to the general Impact Fund, unless you tell us within 30 days which campaign it was intended for.
We send a donation receipt by email in your language, with the amount, the campaign, the payment reference and a link to the entry in the public ledger.
Article 6 — Designation of a donation
You may donate: to the general Impact Fund, where the Grants Committee decides on the use; to a published campaign (for a specific beneficiary, event or chapter); or to a fundraiser page, whose contributions go to the campaign the participant is raising for.
Money raised for a campaign is used only for its purpose. If a campaign closes with a surplus, if the beneficiary withdraws or the purpose becomes impossible, we allocate the surplus to a beneficiary from the same area and with the same kind of need, with reasons published in the ledger; if the amount exceeds [[PLACEHOLDER: amount]] EUR, we first offer the donors we can contact a refund or redirection at their choice within 30 days.
Money raised in a chapter's area is earmarked for beneficiaries from that area, under the published allocation formula (Chapter Rules, Article 16).
Article 7 — Fee cover
When donating you may voluntarily add an amount that covers the processing costs (the processor's and the bank's fees), so that your full amount reaches the beneficiary. The option is pre-selected and always clearly shown, with the exact amount, before you confirm the payment; you can switch it off with one tap.
We record fee cover separately from the donation. That is why we can honestly say that one hundred percent of your donation reaches the beneficiary: if you do not add the cover, the processing cost is borne by the Operations Fund, not by the beneficiary.
Article 8 — Monthly donations
You set up a monthly card donation once; the card is stored at the processor in tokenised form, and we see only the last four digits and the expiry date. The charge is made on the same day each month in the amount you chose; if a charge fails, we retry at most twice within seven days and notify you.
You can cancel a monthly donation at any time by writing to [[PLACEHOLDER: contact email]] or through the link in the confirmation you received by email. Cancelling stops future charges; monthly donations already made are not refunded, except under Article 12. You can change the amount in the same way.
If we change these rules in a way that affects monthly donors, we notify you by email at least 30 days before the change applies.
Article 9 — In-kind gifts, gifts in memory and special donations
In-kind gifts (equipment, goods, services, premises) are accepted by agreement with the association, recorded with an estimated value and the giver's name, and published in the ledger as an in-kind gift, without a monetary amount in the Impact Fund. We do not sell them unless agreed with the giver.
Gifts in memory and on the occasion of celebrations are accepted as donations to the Impact Fund or to a campaign; on request we publish the name of the person to whom the gift is dedicated, with the family's consent.
Fundraising on a fundraiser page: the participant neither receives nor passes on contributions personally; everything goes to the association's account, and the participant sees the total amount on their page. Cash they collect is handed to the association under the cash rules.
Article 10 — Sponsorship is not a donation
Sponsorship is a contract with consideration (a logo, a mention, a place at an event) and goes to the Operations Fund. A donation by a company without consideration goes to the Impact Fund and is published as a donation. If a sponsor gives a donation alongside a sponsorship, we record them separately. A sponsor has no influence over the selection of beneficiaries.
Article 11 — Anonymity, the donor wall and your data
When donating you choose whether your name is displayed. If you choose anonymity, the public ledger and the fundraiser page show the amount and “Anonymous”; nobody sees the name except our finance team. If you do not opt for anonymity, the name you entered as your display name is shown, without your email address or other data.
We use your data (name, email, amount, payment method, campaign, receipts) to process the payment, issue the receipt, keep records and, if you consent, inform you about the association's work. We do not sell it and do not pass it to third parties other than the payment processor, the bank and the service providers who process it for us, in accordance with the Privacy Policy. We keep payment records for as long as accounting regulations require.
Article 12 — Duplicate, erroneous or unauthorised payments
If a payment went through twice, if you entered a wrong amount or a wrong campaign, or if your card was used without your authorisation, write to [[PLACEHOLDER: contact email]] within [[PLACEHOLDER: number, e.g. 14]] days of the charge. State the date, the amount and the email address you used when paying; we ask for nothing more.
We check the request against our records and, where it is justified, refund the money to the same card or account it came from, within 15 days of the decision. We correct a wrong campaign by redirection instead of a refund if you prefer. A refund appears in the public ledger as a new row with the opposite sign.
If the donation has already been paid out to the beneficiary before we receive the request, a refund is not possible except for unauthorised use of a card; we will inform you of this.
On your card statement the payment appears as [[PLACEHOLDER: transaction descriptor agreed with Monri]]. If you see that entry and do not remember the payment, write to us first; it is faster than a dispute with your bank. A bank dispute (chargeback) is handled with the processor; if it proves unfounded, we may decline future payments from that card.
Article 13 — Entry contributions for events
Entry to our events is by voluntary contribution: the event page states the amount we suggest, the participant chooses their own, zero included, and the place does not depend on it. A contribution is a donation and goes to the Impact Fund, to that event's cause, unless the event's page says it goes to the Operations Fund. If we postpone the event, the registration is valid for the new date, with the right to transfer it to another person. If we cancel it, you choose a full refund of the contribution to the same payment method within 30 days or leaving it with the cause as a donation; we ask you by email, with no hidden default options, and if you do not answer within 30 days, we refund the contribution. If you withdraw yourself, the contribution is not refunded, but you may transfer the registration until registration closes. Everything else is governed by the Event Terms.
Article 14 — What we publish
In the public ledger we publish for every payment in: the date, the amount, the display name or “Anonymous”, the campaign or fundraiser page, the chapter and the payment method; for every payment out: the date, the amount, a description of the beneficiary that does not reveal their identity, the category, the chapter and the documentation. We also publish the balance of both funds, the allocation formula by chapter and the annual financial report.
We publish the amounts of payments out within 30 days of payment, and we aim to make payments to beneficiaries within 60 days of the Committee's decision.
Article 15 — Tax and receipts
We issue a receipt by email for every donation. To companies and sole traders we issue on request a donation confirmation with the association's details for their books; [[PLACEHOLDER: whether and under what conditions donations are a tax-deductible expense in Montenegro, to be confirmed by the accountant]]. We do not give tax advice; check with your accountant.
Article 16 — Complaints
A complaint about a payment, a receipt, a published entry or our conduct is sent to [[PLACEHOLDER: contact email]]. We reply within 15 days. If you are not satisfied with the reply, you may write to the Board at the same address, marked “for the Board”.
Article 17 — Changes and governing law
We may change these rules; the new version applies to payments made after publication, and monthly donors are notified under Article 8. Every version carries a number and a date. The law of Montenegro applies.