Crowd77 Refund Policy

This Refund Policy outlines the conditions under which donations made through Crowd77 (“Crowd77”, “we”, “us”, “our”), a service owned and operated by 77 Technologies Limited, located at 4 Agbeleye Close, off Aderupoko Street, Ahmadiya, Lagos, Nigeria, may be refunded.
By donating on our platform, you acknowledge and agree to the terms of this Refund Policy. Please read it carefully before making any contribution.

Crowd77 is committed to maintaining trust and transparency between donors, fundraiser organizers, and beneficiaries. While donations are generally non-refundable, we recognize that exceptional circumstances may arise and have established this policy to address them fairly.

1. Eligible Grounds for a Refund

Refund requests may be considered under the following limited circumstances:

Fraudulent Fundraiser: If Crowd77 determines, following an investigation, that a fundraiser was created with fraudulent intent or materially misrepresented its purpose, affected donors may be entitled to a refund.
Duplicate or Erroneous Charges: If a donor is charged more than once for a single intended donation due to a platform or payment processing error, the duplicate charge will be refunded promptly upon verification.

3. Flagged Fundraisers and Platform-Initiated Refunds

Where a fundraiser is flagged for suspected fraud, misrepresentation, prohibited activity, policy violations, or other compliance concerns, Crowd77 reserves the right to investigate and suspend the fundraiser pending review.
If, following investigation, Crowd77 determines that refunds should be issued, donor refunds will be initiated automatically. Refund amounts will depend on whether the organizer has made any withdrawals:
- Full Refund: If the organizer has not made any withdrawals, donors will receive a full refund of their donation amount, excluding platform fees and payment gateway fees (such as Paystack).
- Partial Refund: If the organizer has made partial withdrawals, donors will receive a proportionate refund based on the remaining available funds, excluding platform fees and payment gateway fees.

4. Non-Refundable Situations

Refunds will not be issued in the following situations:

A change of mind after a donation has been successfully processed and funds have been disbursed to the organizer.
Dissatisfaction with the outcome of a fundraiser where no fraud or misuse has been established.
Where a chargeback has already been initiated with your bank or card provider for the same transaction.

5. Platform & Payment Processing Fees

Crowd77 platform fees and third-party payment processing fees are non-refundable in all circumstances, including where a donation refund is approved.
Refunds, where approved, will be issued for the net donation amount received after applicable fees have been deducted.
Donors are responsible for any charges imposed by their bank or card provider in connection with a refund transaction.

6. How to Submit a Refund Request

Donors can initiate a refund claim on the public fundraiser details page by clicking the Claim Refund button.
The donor will be redirected to a public refund request page where they must provide their donation details (email address and fundraiser information) to verify their donation before proceeding with the request.
Donor enters their email address and donation reference number. The system locates and verifies the donation record.
System dispatches a 6-digit OTP to the donor's email. The OTP session expires after 30 minutes.
The donor enters the OTP to verify identity.
Donor fills out the refund request form: selects reason, provides a description, and uploads supporting documents.
System performs eligibility checks. If a blocker is found, the request is rejected with a specific error message. If all checks pass, the request is saved with status SUBMITTED.
Donor receives an email confirmation with a status tracking link (tokenized, expires in 14 days).
You agree to fully cooperate with any investigation conducted by Crowd77 or relevant law enforcement authorities in connection with your claim.

7. Review & Processing Timeline

Crowd77 will acknowledge receipt of your refund request within two (2) business days.
All refund requests are subject to investigation and will be reviewed within seven (7) to fourteen (14) business days, depending on the complexity of the case.
If approved, refunds will be credited to the original payment method used within five (5) to ten (10) business days after approval, subject to your financial institution's processing times.
All decisions made by Crowd77 following an investigation are final.

8. Fraud Prevention & Fund Freezing

Crowd77 actively monitors the platform for suspected fraud, misuse, or abuse and reserves the right to freeze or withhold fund disbursements pending the outcome of an investigation.
Where fraud is confirmed, Crowd77 may, at its sole discretion, reverse disbursed funds or take such action as is necessary to protect donors, including reporting to relevant authorities.
Crowd77 is not liable for any loss arising from fraudulent activity carried out by third-party organizers where the platform's terms were not violated.