Gift and Payment Terms

These Gift and Payment Terms govern:

• direct birthday gifts;
• group-gift contributions;
• service fees;
• payment processing;
• recipient payouts;
• refunds;
• disputes;
• transaction restrictions.

A Jorrify gift is a voluntary transfer made to celebrate an eligible recipient.

Unless clearly stated otherwise:

• a gift is not a loan;
• a gift does not create ownership rights;
• a gift does not create an investment;
• a gift does not guarantee goods or services;
• a gift does not create a debt owed by the recipient.

By confirming payment, the giver authorizes:

Gift amount + Disclosed service fee + Applicable taxes or charges = Total payment

The final total must be shown before authorization.

Payments may be processed by Stripe or another approved payment provider.

Payment providers may:

• collect payment details;
• authenticate payments;
• screen transactions;
• decline transactions;
• conduct verification;
• retain information under their own terms.

Monetary gifting may be enabled only when:

• an eligible recipient has been identified;
• the recipient has a verified Jorrify account where required;
• payout onboarding is complete;
• payment-provider requirements are satisfied;
• gifts are legally supported in the applicable location.

Jorrify should not accept monetary gifts for an unidentified or unverified recipient unless legal counsel and the payment provider approve a compliant funds-handling structure.

Recommended MVP rule:

Unclaimed celebration: Wishes enabled, Memories enabled, Monetary gifts disabled

Display: "Gift giving will become available when the celebrant claims the celebration and completes payout setup."

Before payment, display:

If the fee model changes, the interface and policy must change together.

Jorrify may establish:

• minimum gift amounts;
• maximum gift amounts;
• daily limits;
• monthly limits;
• account limits;
• country limits;
• risk-based limits.

A group gift may have:

• a target;
• a closing date;
• an organizer;
• a verified recipient;
• a participant count.

Unless expressly stated:

• reaching the target is not guaranteed;
• contributions are processed individually;
• contribution amounts may remain private;
• the displayed total may be delayed while payments process.

Possible statuses include:

• Pending
• Processing
• Completed
• Failed
• Cancelled
• Refunded
• Partially refunded
• Disputed
• Reversed

A gift is completed only after payment-provider confirmation.

Payout timing may depend on:

• payment-provider processing;
• banking schedules;
• weekends;
• holidays;
• identity verification;
• account restrictions;
• fraud review;
• disputes;
• country rules.

Jorrify must not guarantee instant payout unless it can reliably provide it.

Recipients may be required to provide information directly to a payment provider, including:

• legal name;
• date of birth;
• address;
• bank details;
• identity information;
• tax information;
• business information where applicable.

Jorrify may delay, restrict or reject a transaction where reasonably necessary because of:

• suspected fraud;
• unauthorized payment;
• account compromise;
• unusual activity;
• sanctions;
• legal restrictions;
• payment-provider requirements;
• identity concerns.

Users must see:

• transaction currency;
• total charge;
• recipient currency where different;
• applicable conversion information.

Banks and payment providers may apply additional conversion charges outside Jorrify\u2019s control.

Users are responsible for taxes applicable to them.

Jorrify does not provide tax advice.

Recipients should obtain professional advice where gift receipts, income, reporting or tax obligations may apply.

A payment dispute may result in:

• investigation;
• temporary account restriction;
• reversal;
• adjustment;
• evidence submission;
• delayed payout.

Users must not misuse payment disputes to reverse legitimate authorized gifts.

Unless Jorrify later launches a legally approved wallet:

• Jorrify balances are not bank deposits.
• Jorrify does not offer interest.
• Jorrify does not provide investment returns.
• Jorrify does not guarantee deposit insurance.

Do not call funds a "wallet balance" in the MVP unless the legal and payment architecture supports that classification.