Foundation Fund and Charity Fund
Terms and Conditions

These Foundation Fund and Charity Fund Terms and Conditions (the "Terms") form a binding agreement between TrustBridge Global Foundation, a Swiss charitable foundation (Stiftung) organized under the laws of Switzerland and operating from the Canton of Bern, Switzerland ("TrustBridge", "we", "us", or "our"), and each person or entity that applies for, opens, contributes to, advises on, administers, accesses, or otherwise uses a Foundation Fund, a Charity Fund, or any related controlled workflow (collectively, "you").

TrustBridge is a Swiss charitable foundation and grant-making institution. It operates donor-advised fund programs and related charitable structures in furtherance of its own charitable purpose and mission. It is not a service provider to donors or charities, not a financial technology platform, not a conduit, and not a mere intermediary for the movement of other persons' money or assets. When TrustBridge receives grants, contributions, and other donor support, it does so in furtherance of its charitable purpose and mission, as principal and charitable owner, and not as consideration or customer payment for services.

These Terms operate as one consolidated agreement addressing the establishment, administration, use, and closure of both Foundation Funds and Charity Funds within a single integrated document. The scope of each provision is determined by the defined terms used in that provision and by the subject matter of the relevant clause.

1. Scope, Acceptance, and Document Structure

1.1. Scope

These Terms govern the opening, maintenance, funding, administration, use, suspension, and closure of each Foundation Fund and Charity Fund. They also govern all contributions, grant recommendations, distribution requests, instructions, communications, approvals, reviews, and related activities concerning a Fund. These Terms also apply to any supplemental giving solution, structure, arrangement, or operational support that TrustBridge makes available through or in connection with a Fund, including cross-border granting, non-cash giving, legacy or testamentary giving arrangements, endowment-style arrangements, mission-related or impact-related investing, fiscal sponsorship, dual-tax or network-member pathways, and similar solutions, in each case subject to any additional or supplemental terms that TrustBridge may require.

1.2. Binding effect and effective date

For each person or entity bound by these Terms, these Terms become effective on the earliest of the following events: TrustBridge's written or electronic approval of the relevant Fund application; that person's or entity's written or electronic acceptance of these Terms; TrustBridge's acceptance of a contribution made by or through that person or entity; that person's acceptance of a role on a Fund; that person's access to or use of the Secure Portal after these Terms are made available; or that person's submission of an instruction, recommendation, request, or other communication concerning a Fund after these Terms are made available.

1.3. No entitlement

No person or entity has any right to open a Fund, contribute to a Fund, hold a role on a Fund, access the Secure Portal, receive a tax receipt, obtain charity approval, obtain approval of a recommendation or request, or receive any specific TrustBridge program, arrangement, support, or operational offering unless and until TrustBridge has approved the relevant matter.

1.4. Document hierarchy

These Terms govern Fund-related matters. Public browsing of TrustBridge's public-facing website is governed by TrustBridge's public website terms. TrustBridge's privacy notice governs the collection and processing of personal data except to the extent that a supplemental notice or controlled workflow notice applies. If TrustBridge presents supplemental, transaction-specific, jurisdiction-specific, network-member-specific, investment-specific, or product-specific terms for a particular service, structure, transaction, or workflow, those terms, which are referred to in these Terms as "Supplemental Terms," govern that specific matter in the event of conflict.

1.5. Non-contractual materials

TrustBridge may publish guides, policies, operating descriptions, assessment summaries, resource materials, frequently asked questions, concept sheets, or explanatory content describing how TrustBridge currently operates. Unless a document expressly states that it forms part of these Terms, it is provided for information and operational guidance only and does not create independent contractual rights. For clarity, TrustBridge may use the Giving Solutions Guide and similar materials to describe current assessment categories, indicative amounts, product availability, and operating practices, each of which may be updated from time to time.

1.6. Supplemental Terms by hyperlink, schedule, or controlled workflow

TrustBridge may present, identify, or make available Supplemental Terms by hyperlink, portal link, transaction page, application package, schedule to these Terms, side letter, separate agreement, or other controlled workflow notice. Where TrustBridge states that particular Supplemental Terms apply to a specified transaction, structure, giving solution, asset type, or workflow, those Supplemental Terms are incorporated into these Terms by reference for that matter only. A person who elects to proceed with, request, recommend, authorize, or participate in a matter for which Supplemental Terms are presented is bound by those Supplemental Terms upon the earliest of electronic acceptance, signature, submission of the relevant request or instruction, participation in the relevant workflow, or TrustBridge's acceptance or approval of the relevant matter.

1.7. Jurisdiction-specific and Network Member rules

For any Fund activity involving a Network Member, jurisdiction-specific tax receipt, charitable deduction, tax relief, Gift Aid, dual-tax pathway, cross-border giving pathway, or other country-specific structure, TrustBridge may apply the laws, charity rules, tax rules, donor-advised fund rules, private benefit rules, excess benefit or self-dealing rules, taxable distribution rules, expenditure responsibility or equivalency-review requirements, excess business holdings rules, fundraising rules, reporting requirements, and compliance procedures of the relevant jurisdiction or Network Member, in addition to Swiss law, these Terms, and any applicable Supplemental Terms.

2. Definitions

For purposes of these Terms, the following definitions apply:

• "Applicable Law" means all laws, regulations, sanctions regimes, regulatory requirements, judicial orders, tax rules, anti-money laundering rules, data protection laws, and banking, transfer, card-network, custody, settlement, or similar system requirements applicable to TrustBridge, a fund, a contribution, a grant, a distribution, or the relevant parties.
• "Approved Charity" means a charity, foundation, public-benefit entity, religious organization, scholarship fund, fiscal sponsorship structure, or other recipient that TrustBridge has approved, whether generally or for a specific grant or distribution.
• "Assessments" means all assessments, charges, spreads, case costs, third-party costs, reimbursements, taxes, withholdings, reserves, and cost recoveries that may be charged or deducted under these Terms. These Assessments are internal allocations, deductions, reimbursements, or cost recoveries from assets owned by TrustBridge and are applied to support TrustBridge's charitable, administrative, governance, compliance, risk-management, investment oversight, and grantmaking functions.
• "Authorized User" means any Fund Holder, Fund Advisor, Successor, Charity Representative, contributor with portal access, or any other person whom TrustBridge authorizes to access Fund information or submit instructions regarding a Fund.
• "Charity Fund" means a Fund opened or maintained by TrustBridge to support the work of an Approved Charity and to enable TrustBridge to receive, hold, administer, and distribute charitable monies and other accepted assets in accordance with these Terms.
• "Charity Representative" means an individual authorized by an Approved Charity and accepted by TrustBridge to act in relation to a Charity Fund.
• "Contribution" means any cash, securities, cryptocurrency, digital assets, non-cash property, complex asset, testamentary transfer, or other property or value proposed to be transferred or transferred to TrustBridge.
• "Distribution Request" means a request made from a Charity Fund for the release of monies or other value.
• "Foundation Fund" means a donor-advised giving structure sponsored and administered by TrustBridge from which authorized persons may make non-binding recommendations concerning grants, distributions, investments, or related charitable activity, always subject to TrustBridge's ownership, control, and final discretion.
• "Fund" means either a Foundation Fund or a Charity Fund.
• "Fund Advisor" means an individual whom TrustBridge recognizes as having either full-access or view-only rights in relation to a Fund, subject to the permissions designated by TrustBridge and the relevant Fund Holder.
• "Fund Balance" means the internal administrative balance that TrustBridge attributes to a Fund from time to time, reflecting accepted contributions and allocations, income and gains, less grants, distributions, losses, taxes, assessments, expenses, reserves, holdbacks, and adjustments. A Fund Balance is a bookkeeping reference only and does not create ownership rights in any specific asset.
• "Fund Holder" means the person or persons whom TrustBridge recognizes as having primary authority over a Fund, subject always to these Terms and TrustBridge's final discretion.
• "Grant Recommendation" means a non-binding recommendation made from a Foundation Fund.
• "Network Member" means any foundation, charity, affiliated organization, or partner organization within TrustBridge's international network.
• "Partner" means any bank, broker, custodian, card processor, settlement provider, exchange, appraiser, due diligence provider, data provider, screening provider, insurer, legal adviser, tax adviser, local counsel, operational affiliate, or other third party used by TrustBridge in support of its charitable operations.
• "Prohibited Person" means any donor, Fund Holder, Fund Advisor, Successor, substantial contributor, TrustBridge manager (including any director, officer, employee, or trustee, whether current or within the preceding five (5) years), investment advisor, consultant, service provider, family member of any of the foregoing, or any entity directly or indirectly controlled (including ownership or control of more than thirty-five percent (35%)) by such persons.
• "Qualified Charitable Purpose" means a purpose that TrustBridge determines to be charitable, public-benefit, lawful, and consistent with TrustBridge's constitutional purposes, mission, values, regulatory obligations, banking constraints, and operational policies.
• "Restricted Person" means any individual, entity, organization, government, jurisdiction, digital wallet, account, beneficial owner, or other person or instrumentality that is, or is reasonably suspected by TrustBridge to be: (i) subject to any sanctions, embargoes, or restrictive measures administered or enforced by Switzerland, the United States, the European Union, the United Kingdom, the United Nations, or any other applicable governmental or regulatory authority; (ii) designated on any sanctions, watchlist, or restricted-party list; (iii) located, organized, or resident in a jurisdiction subject to comprehensive sanctions or identified as high-risk for anti-money laundering purposes; (iv) engaged in, or reasonably suspected of engaging in, activities relating to terrorism, terrorist financing, money laundering, bribery, corruption, fraud, or other financial crime; (v) the subject of any investigation, enforcement action, or regulatory restriction relating to the foregoing; or (vi) otherwise subject to any legal, regulatory, or reputational restriction that would, in the sole discretion of TrustBridge, expose TrustBridge or its Network Members to legal, financial, or reputational risk. For the avoidance of doubt, a Restricted Person may include any intermediary, agent, nominee, beneficial owner, or controlling person associated with the foregoing.
• "Secure Portal" means any password-protected or otherwise restricted-access online platform, software, application, or account environment made available, authorized, or used by TrustBridge to administer donor-advised funds, Foundation Funds, Charity Funds, contributions, grant or distribution recommendations, fund balances, statements, user profiles, communications, approvals, and related charitable account activity.
• "Successor" means an individual designated and accepted by TrustBridge to assume specified authority over a Foundation Fund after the death, incapacity, resignation, or other cessation of authority of a Fund Holder.
• "TrustBridge Material" means any text, data, images, audio, video, software, documents, communications, or other content, in any form or medium, that TrustBridge or its personnel create, record, publish, transmit, display, or otherwise make available, including through the Secure Portal, but excluding Third-Party Material.

3. TrustBridge's Status, Ownership, and Discretion

3.1. Swiss charitable foundation

TrustBridge is a Swiss charitable foundation and grant-making institution. It acts through its governing bodies, officers, employees, contractors, and authorized service providers in accordance with Applicable Law and its governing instruments. TrustBridge operates donor-advised fund programs and related charitable structures as part of its own charitable mission. TrustBridge is not a service provider to donors or charities, not a financial technology platform, not a conduit, and not a mere intermediary that receives or moves funds on behalf of others as agent.

3.2. Nature of each Fund

Each Fund exists solely as an internal charitable designation, internal accounting reference, and administrative arrangement within TrustBridge. It is established only for TrustBridge's own stewardship, program administration, and internal allocation purposes. Accordingly, a Fund does not constitute, and shall not be construed as, a separate legal person, a separate trust, an escrow arrangement, a nominee or agency account owned by any other person, a customer or client bank account, a brokerage or custody account, or property beneficially or legally owned by any Fund Holder, Fund Advisor, contributor, Successor, charity, Charity Representative, or any other person.

3.3. Irrevocable charitable gifts

Unless TrustBridge expressly agrees otherwise in writing before acceptance, every accepted Contribution is an irrevocable and non-refundable charitable gift to TrustBridge and not a payment for services. Upon TrustBridge's acceptance of a Contribution, legal and beneficial ownership of the contributed property passes to TrustBridge. TrustBridge thereupon obtains full authority over the acceptance, holding, management, commingling, investment, liquidation, granting, and distribution of the contributed property and its proceeds.

3.4. Final discretion

TrustBridge retains exclusive final discretion and control over all matters relating to a Fund and all Contributions, grants, distributions, approvals, investments, liquidations, due diligence outcomes, and related activities. No recommendation, request, designation, naming convention, communication, pledge, proposal, project description, or statement by any other person binds TrustBridge unless TrustBridge expressly approves it in writing.

3.5. Book entry only; commingling

TrustBridge may hold Fund assets in one or more pooled, omnibus, nominee, custody, brokerage, banking, or sub-account arrangements and may commingle assets for administration, investment, liquidity, operational, or legal reasons, provided that TrustBridge maintains internal records sufficient for Fund administration.

3.6. No agency, partnership, or fiduciary appointment by users

Nothing in these Terms creates a partnership, joint venture, agency, trust, employment relationship, or fiduciary appointment in favor of any Fund Holder, Fund Advisor, Successor, donor, charity, or Charity Representative. TrustBridge is not your attorney, tax adviser, accountant, banker, broker, escrow agent, or investment adviser. TrustBridge administers its own charitable programs and grant-making activity as a foundation and does not act as a mere service provider, conduit, or intermediary for the personal or organizational funds of others.

3.7. Use of partners and service providers

TrustBridge may perform or facilitate any function contemplated by these Terms through partners, operational support providers, or service providers, whether in Switzerland or elsewhere, without affecting TrustBridge's ownership, discretion, or status as contracting party unless TrustBridge expressly states otherwise. Without limitation, TrustBridge may engage these partners and authorized providers to assist with portal administration, donor and charity support, relationship management, onboarding, diligence, compliance operations, contribution intake, settlement support, grant processing, records administration, technology hosting, cybersecurity, analytics, reporting, communications, and other operational or support functions reasonably connected with TrustBridge's charitable activities.

4. Fund Opening, Names, and Approval

4.1. Application and onboarding

TrustBridge may require a prospective Fund Holder, charity applicant, donor, or Authorized User to complete one or more application forms, affidavits, questionnaires, certifications, portal steps, interviews, or other onboarding requirements and to provide any information or documentation that TrustBridge requests. A Fund may be opened by one or more natural persons, by an entity accepted by TrustBridge, or, in the case of a Charity Fund, by or for an organization whose legal name and status TrustBridge has reviewed. TrustBridge may require that documents and supporting materials be provided in English or accompanied by an English translation.

4.2. Approval in TrustBridge's discretion

TrustBridge may approve, conditionally approve, defer, or refuse any application or onboarding request for any lawful reason, including legal, regulatory, reputational, banking, operational, mission-related, values-based, due diligence, documentation, security, or risk-management reasons.

4.3. Fund names

TrustBridge may prescribe or require naming conventions for any Fund. For Foundation Funds, TrustBridge generally expects the name to begin with "The" and end with "Fund." For Charity Funds, TrustBridge generally expects the name to begin with "The," end with "Fund," and be associated with the legal name of the relevant Approved Charity. TrustBridge may require any proposed or existing Fund name to be changed if TrustBridge determines that the name is inaccurate, confusing, inappropriate, misleading, legally problematic, inconsistent with TrustBridge's mission or branding, or operationally unsuitable.

4.4. No Fund exists until accepted

A Fund is not opened or effective until TrustBridge has approved it in writing or through an electronic controlled workflow.

5. Authority, Instructions, and Role-Based Access

5.1. Capacity and authority

Every individual acting in relation to a Fund must have full legal capacity to do so. Every person acting on behalf of an entity, charity, family office, or other organization must have authority satisfactory to TrustBridge.

5.2. Evidence of authority

TrustBridge may require board resolutions, incumbency certificates, signature specimens, constitutional documents, powers of attorney, identification documents, notarizations, legal opinions, bank confirmations, or any other evidence of authority that TrustBridge considers appropriate.

5.3. Approved channels

TrustBridge may accept or refuse instructions, recommendations, and requests submitted through approved channels that may include the Secure Portal, email from a registered address, signed PDF or scanned instructions, telephone or video verification, hard-copy delivery, or any other method approved by TrustBridge. TrustBridge may require the use of a specific channel for specific transactions.

5.4. Reliance on instructions

TrustBridge may rely on any instruction, recommendation, request, or communication that it reasonably believes to be genuine, authorized, complete, and transmitted through an approved channel unless and until TrustBridge has had a reasonable opportunity to act on contrary notice.

5.5. Security and authentication

Each Authorized User is responsible for safeguarding usernames, passwords, multi-factor authentication methods, devices, email accounts, and other credentials used to access the Secure Portal or communicate with TrustBridge. TrustBridge may require multi-factor authentication, callbacks, countersignatures, or enhanced verification, and may reject, delay, or suspend any instruction pending authentication.

5.6. Notice of compromise

You must notify TrustBridge immediately if you become aware of actual or suspected loss, theft, compromise, misuse, or unauthorized access relating to credentials, devices, email accounts, wallets, or instructions connected with a Fund.

5.7. Duty to update information

You must promptly notify TrustBridge of any change in your legal name, contact details, tax residency, legal capacity, signing authority, charity status, beneficial ownership, bank details, governance, or other information previously provided.

6. Contributions and Gift Acceptance

6.1. General acceptance right

TrustBridge may accept, reject, suspend, reverse, condition, or partially accept any proposed Contribution.

6.2. Contributor representations and undertakings

Each person making, procuring, or arranging a Contribution hereby declares, confirms, and undertakes vis-à-vis TrustBridge as follows:

• Title, authority, and charitable intent. The contributor is the lawful owner of the contributed property or is otherwise duly authorized to transfer it to TrustBridge, and the Contribution is made with charitable intent and not for any personal, commercial, unlawful, evasive, or other impermissible purpose.
• Lawful origin and Restricted Persons. The contributed property is not derived, directly or indirectly, from unlawful conduct, and the Contribution is not made for or on behalf of a Restricted Person, except to the extent fully disclosed to and expressly approved by TrustBridge in writing.
• Solvency and validity of transfer. The Contribution does not render the contributor legally insolvent and does not constitute a voidable, fraudulent, unlawful, or otherwise challengeable transfer under Applicable Law.
• Disclosure of restrictions and third-party rights. All material restrictions, liabilities, encumbrances, transfer conditions, side arrangements, and third-party rights affecting the contributed property or its transfer to TrustBridge have been fully disclosed to TrustBridge in advance.
• Contributor's own responsibilities and cooperation. The contributor remains solely responsible for the contributor's own legal, tax, accounting, valuation, filing, and reporting obligations in connection with the Contribution and shall provide, without undue delay, such further information, documentation, assurances, and cooperation as TrustBridge may reasonably request.
• Indicative use categorization for Foundation Fund Contributions. In the case of a Contribution to a Foundation Fund, TrustBridge may request that the contributor indicate whether the contributor expects the ultimately supported uses to be religious, humanitarian, or to fall within another category applied by TrustBridge for receipting, reporting, or tax-characterization purposes; however, any such indication shall be informational only and shall not bind TrustBridge.

6.3. Types of Contributions

Subject to approval, TrustBridge may accept Contributions in the form of cash and cash equivalents, publicly traded securities, cryptocurrency and other approved digital assets, private or restricted securities, ownership interests in companies or other entities, real estate and real-property interests, art, collectibles, intellectual property, royalties, receivables, insurance rights, other tangible or intangible property, testamentary or deferred transfers, and such other assets or structures as TrustBridge elects to accept.

6.4. Cash, bank, and marketable securities contributions

Cash contributions may be made in currencies and by methods approved by TrustBridge. Publicly traded securities and other liquid financial instruments must be received in good order through a custody or transfer method acceptable to TrustBridge.

6.5. Complex, non-liquid, and asset-based gifts

TrustBridge may accept complex, non-liquid, restricted, or asset-based gifts only after such review, diligence, structuring, documentation, and approvals as TrustBridge requires. TrustBridge may decline any asset that, in its judgment, presents unacceptable legal, tax, regulatory, reputational, environmental, operational, liquidity, valuation, or liability risk.

6.6. Testamentary and deferred transfers

TrustBridge may accept testamentary or deferred gifts, including gifts arising by will, trust, beneficiary designation, life insurance, retirement-account designation, payable-on-death or transfer-on-death designation, or other estate-planning mechanism. TrustBridge is not obligated to accept any such transfer and may delay action until the relevant estate, trust, or transfer process has sufficiently settled.

6.7. Refusal, return, or suspension of Contributions

TrustBridge may refuse, return, reverse, or suspend a Contribution whenever TrustBridge determines that the Contribution is impermissible under Applicable Law, that required due diligence has not been completed, that the origin, ownership, or intended use of funds is unclear or unsatisfactory, that the Contribution would create unacceptable legal, tax, accounting, reputational, banking, or mission-related risk, that the Contribution is tied to unacceptable conditions or donor-control expectations, that the Contribution relates to a Restricted Person or elevated sanctions or anti-money laundering risk, or that the Contribution is otherwise unsuitable for TrustBridge.

7. Compliance, Due Diligence, and Cooperation

7.1. Risk-based reviews

TrustBridge applies risk-based due diligence and compliance measures in relation to Funds, users, charities, contributors, grantees, distributions, and assets. Such measures may include know-your-customer review, source-of-funds review, source-of-wealth review, sanctions screening, politically exposed person screening, beneficial ownership review, anti-fraud review, anti-bribery review, anti-terrorism review, and reputational review.

7.2. Information and documentation

TrustBridge may require any contributor, Fund Holder, Fund Advisor, Successor, charity, Charity Representative, grantee, or other relevant person to provide information and documentation that may include government-issued identification, incorporation or registration documents, constitutional documents, beneficial ownership information, bank confirmations and account ownership evidence, financial statements, source-of-funds or source-of-wealth information, project descriptions, intended-use descriptions, grant reports, and any other information TrustBridge requests.

7.3. Beneficial ownership

Where an entity is involved, TrustBridge may require identification and verification of the natural persons who ultimately own, control, or benefit from the relevant entity or transaction, including by applying thresholds that TrustBridge considers appropriate.

7.4. Ongoing monitoring and re-verification

TrustBridge may conduct ongoing transaction monitoring and may re-verify identities, authority, charity status, bank details, beneficial ownership, and other information at any time, whether periodically, annually, upon trigger events, or otherwise.

7.5. Non-cooperation and adverse findings

If required information is not provided, becomes inaccurate, or gives rise to concern, TrustBridge may delay or refuse a Contribution, decline a recommendation or request, suspend a Fund, freeze distributions, deactivate portal access, close the relevant relationship, report to authorities where required, or take any other action permitted under these Terms or Applicable Law.

7.6. Disclosures to third parties and authorities

TrustBridge may disclose information and documents to Network Members, Partners, banks, custodians, card processors, settlement providers, auditors, insurers, professional advisers, counterparties, regulators, tax authorities, law enforcement, or courts where TrustBridge reasonably considers such disclosure necessary for administration, compliance, enforcement, legal protection, or operational support.

8. Assessments, Taxes, Foreign Exchange, and Reserves

8.1. Authorization to deduct

You authorize TrustBridge to deduct from Contributions, Fund Balances, liquidation proceeds, distributions, grants, investment proceeds, or other amounts any Assessments.

8.2. Categories of Assessments

Assessments may include administrative assessments, investment oversight assessments, due diligence and origination assessments, charity verification assessments, contribution assessments, grant or distribution assessments, supplemental risk or country assessments, wire, banking, card, exchange, custody, brokerage, and settlement charges, foreign exchange spreads or actual foreign exchange costs, and any supplemental or partner assessments or charges associated with a supplemental giving solution.

8.3. Taxes and withholding

Any taxes, withholding taxes, transfer taxes, stamp duties, reporting costs, filing costs, or similar charges arising in connection with a Contribution, a Fund, an investment, a liquidation, a grant, or a distribution may be charged to the relevant Fund or transaction.

8.4. Character of Assessments

Assessments are not fees or payments for services provided to any donor, Fund Holder, Fund Advisor, charity, Charity Representative, Authorized User, or other person. To the extent retained by TrustBridge, Assessments are treated as charitable contributions to TrustBridge in support of its charitable purposes, operations, administration, governance, compliance, due diligence, grantmaking, risk management, and related activities.

8.5. Current assessment references and updates

Current assessment categories and indicative amounts are described in TrustBridge's Giving Solutions Guide, as updated from time to time and are summarized for convenience in a Schedule in these Terms. Assessments may differ based on jurisdiction, country, currency, currency equivalent, transaction structure, asset class, risk profile, use of Network Members or Partners, and other operational or legal circumstances.

9. Nature of the Foundation Fund

9.1. Donor-advised structure

A Foundation Fund is a donor-advised giving structure sponsored and administered by TrustBridge. Fund Holders and authorized Fund Advisors may make non-binding recommendations concerning grants, charitable distributions, investment allocations, and certain other charitable activities. TrustBridge retains ownership, control, and final discretion at all times.

9.2. Charitable purposes and supplemental uses

A Foundation Fund may be used, subject to TrustBridge approval, for charitable grantmaking and for selected supplemental charitable solutions that TrustBridge makes available from time to time, including international grantmaking, non-cash giving, legacy planning, endowment-style arrangements, mission-related or impact-related investing, fiscal sponsorship pathways, and network-based or jurisdiction-specific solutions.

9.3. No personal or private account

A Foundation Fund is not a personal current account, brokerage account, custody account, investment advisory account, or family trust account. It may not be used to warehouse non-charitable assets or to create donor control inconsistent with TrustBridge's status and charitable purposes.

10. Foundation Fund Roles and Succession

10.1. Fund Holders

The individual or individuals who open and fund a Foundation Fund are generally recognized as Fund Holders unless TrustBridge determines otherwise. Fund Holders generally have full access to the Foundation Fund, subject to these Terms.

10.2. Fund Advisors

TrustBridge may recognize Fund Advisors with either full-access or reviewer or view-only permissions. These roles may be used for accountants, attorneys, financial advisers, family office personnel, company representatives, family members, or other persons accepted by TrustBridge. A reviewer or view-only Fund Advisor may receive information, copies of statements, or portal visibility, but may not act on behalf of the Foundation Fund.

10.3. Changes to roles

Fund Holders may request that TrustBridge add, remove, or change Fund Advisors or Successors, but no such change is effective until TrustBridge records and accepts it.

10.4. Successors

Fund Holders may designate one or more Successors in a form acceptable to TrustBridge. TrustBridge may require additional acceptance steps, identity checks, and legal-capacity checks before activating any Successor.

10.5. Death, incapacity, resignation, or cessation of authority

On the death, incapacity, resignation, or other cessation of authority of a Fund Holder, TrustBridge may rely on the succession instructions then on file, subject to Applicable Law and these Terms. Those instructions may provide that the surviving or remaining Fund Holder continues to act, that some or all of the remaining Foundation Fund assets are to continue in the existing Foundation Fund, that some or all are to be transferred to one or more new Foundation Funds for Successors, that grants be made to one or more eligible charities or Charity Funds, or that a combination of those approaches be used.

10.6. Minor or incapacitated Successors

If a minor or legally incapacitated individual is named as a Successor, TrustBridge may require the appointment or identification of a legal guardian or other legally authorized representative satisfactory to TrustBridge. TrustBridge may also require that any advisory or acting privileges of such Successor remain suspended until the Successor reaches the age of majority or otherwise has full legal capacity.

10.7. Charitable beneficiaries and new successor funds

Any charitable beneficiary named in a succession instruction must be operational and eligible to receive support from TrustBridge at the time the succession instruction is implemented. If a proposed charitable beneficiary or proposed successor fund structure cannot be approved or implemented, TrustBridge may select a reasonably similar charitable destination or structure in its discretion.

10.8. No valid Successor

If no valid Successor exists, or no Successor can be located or activated after reasonable efforts, TrustBridge may administer and distribute the remaining Foundation Fund assets for charitable purposes in its discretion while taking into account the Foundation Fund's history, stated philanthropic objectives, and any charitable beneficiaries previously designated.

11. Investment Administration for Foundation Funds

11.1. Default position

Unless TrustBridge approves a different arrangement, amounts credited to a Foundation Fund may be held in a default cash, interest-bearing, or similar short-duration arrangement selected by TrustBridge.

11.2. Recommended investment allocations are non-binding

A Fund Holder or authorized Fund Advisor may recommend an investment allocation or strategy only to the extent TrustBridge makes such recommendation rights available. Any such recommendation is non-binding. TrustBridge may accept, reject, modify, delay, or discontinue any investment option or allocation.

11.3. Mission-related and impact-related investments

TrustBridge may, in its discretion, permit a Foundation Fund to participate in mission-related, impact-related, programmatic, or other values-aligned investments. Such investments may require separate review and underwriting, special documentation and acknowledgements, due diligence and origination assessments, liquidity, concentration, valuation, and conflict analysis, separate investment or subscription documents, and enhanced reserves and holdbacks. TrustBridge will not approve any recommended investment that would provide an impermissible direct or indirect economic benefit to a donor, Fund Holder, Fund Advisor, Successor, investment adviser, related person, controlled entity, or other disqualified person.

11.4. Liquidity, rebalancing, and disposition rights

TrustBridge may sell, redeem, unwind, hedge, or otherwise alter any investment or holding in a Foundation Fund whenever TrustBridge considers such action appropriate for liquidity, compliance, operational, charitable, reputational, tax, or risk-management reasons, including to fund approved grants, pay Assessments, or maintain reserves.

11.5. Market risk and no guarantees

12. Grant Recommendations from Foundation Funds

12.1. Nature of recommendations

All grant recommendations are advisory only. TrustBridge may approve, decline, modify, condition, delay, or refuse any Grant Recommendation in its sole discretion.

12.2. Potential recipients

TrustBridge may consider Grant Recommendations to Approved Charities and to such other recipients or structures as TrustBridge determines are permissible, including Charity Funds, public-benefit entities, religious organizations, approved fiscal sponsorship or equivalent structures, and approved local or network pathways.

12.3. Required information

A Grant Recommendation must include the information TrustBridge requests, which may include the proposed recipient, the amount and currency, the proposed charitable purpose, whether the grant is one-time or recurring, whether anonymity is requested, and any supporting documentation or explanation requested by TrustBridge.

12.4. Minimums and recurring recommendations

TrustBridge may impose minimum recommendation amounts, frequency rules, and operational cutoffs. Recurring recommendations remain subject to continuing approval and may be stopped or modified if legal, compliance, recipient, balance, banking, timing, or policy circumstances change.

12.5. Due diligence and approval process

Before approving a Grant Recommendation, TrustBridge may verify any matter it considers relevant, including the recipient's legal status, public-benefit character, mission, bank details, beneficial ownership, governance, use of funds, sanctions risk, country risk, tax implications, reporting obligations, and consistency with TrustBridge's charitable purposes, values, and operational criteria.

12.6. Processing and timing

Approved recommendations to previously reviewed recipients are generally processed promptly and often within one business day, but TrustBridge does not guarantee any timing. Recommendations involving new recipients, complex jurisdictions, elevated-risk countries, unusual purposes, large amounts, or special structures may take materially longer, including several weeks or more.

12.7. Available balance and reserves

TrustBridge is not required to approve or issue a grant in an amount that exceeds the Foundation Fund's available Fund Balance after taking account of pending transactions, market movements, liquidation timing, currency conversion, Assessments, taxes, and reserves.

12.8. Anonymity

A Fund Holder or authorized Fund Advisor may request that a grant be made anonymously. TrustBridge will seek to respect anonymity requests to the extent operationally feasible and consistent with Applicable Law, recipient requirements, and regulatory obligations, but does not guarantee absolute anonymity.

12.9. Returned, failed, or reversed grants

If a grant is rejected, returned, not delivered, reversed, or cannot lawfully or operationally be completed, TrustBridge may request revised information or instructions, hold the relevant amount pending resolution, reissue the grant using another pathway, recredit the Foundation Fund net of costs, market effects, or foreign exchange effects, or take any other reasonable action.

12.10. Recommendations into Charity Funds or other structures

TrustBridge may, in its discretion, facilitate a Foundation Fund's support of an Approved Charity by establishing or using a Charity Fund or another approved intermediary structure. Once amounts are transferred or credited into such structure, the Foundation Fund's recommendation right does not create control over downstream distributions.

12.11. Recovery cooperation

If TrustBridge determines that a grant was recommended or made on the basis of inaccurate information, a violation of these Terms, or an impermissible private benefit or other prohibited purpose, the relevant Fund Holder or authorized Fund Advisor must cooperate in any recovery effort and reimburse TrustBridge for any unrecovered amount and related costs to the extent resulting from that person's breach, misrepresentation, or misconduct.

13. Foundation Fund-Specific Restrictions

14. Nature of the Charity Fund

14.1. Dedicated charitable support structure

A Charity Fund is a Fund maintained by TrustBridge to support the work of an Approved Charity and to enable TrustBridge to receive, hold, administer, and distribute charitable monies and other accepted assets in connection with that Approved Charity.

14.2. TrustBridge ownership and control

All Contributions credited to a Charity Fund remain the property of TrustBridge. The Charity Fund does not create a trust, escrow, agency, or segregated beneficial ownership arrangement in favor of the Approved Charity or any donor.

14.3. No bank account of the charity

A Charity Fund is not a bank account, operating account, payroll account, or treasury account of the Approved Charity.

14.4. Funding sources

A Charity Fund may receive support through direct donor Contributions, contributions from Foundation Funds, contributions via Network Members or Partners, or other sources approved by TrustBridge.

14.5. Assessments

A Charity Fund is generally not subject to balance-based administrative assessments of the kind applicable to Foundation Funds, but it is subject to Charity Fund-specific Assessments, transaction Assessments, foreign exchange spreads, annual verification charges, special handling costs, and other Assessments authorized by these Terms.

15. Charity Approval, Representations, and Ongoing Obligations

15.1. Approval and annual renewal

No charity is entitled to a Charity Fund or to continued Charity Fund status. TrustBridge may require initial review, annual reverification, and event-driven review at any time. TrustBridge may open a charity review file and may impose an initial due diligence or verification assessment, together with any annual renewal assessment, in the amounts or categories described from time to time in the Giving Solutions Guide.

15.2. Charity representations and warranties

Each Approved Charity and each Charity Representative hereby declares, confirms, and undertakes vis-à-vis TrustBridge as follows:

• Legal status and purpose. The Approved Charity is duly organized and validly existing under the laws of its jurisdiction of organization and pursues charitable, public-benefit, religious, educational, humanitarian, cultural, relief, development, or other purposes that TrustBridge may support in its discretion.
• Information and authority. All information, documents, certifications, and other materials provided to TrustBridge are complete, accurate, current, and not misleading in any material respect, and each person acting on behalf of the Approved Charity is duly authorized to do so.
• Restricted Persons and use of distributions. Neither the Approved Charity nor any of its key personnel, controlling persons, or other relevant representatives is a Restricted Person, except to the extent fully disclosed to and expressly accepted by TrustBridge in writing, and all distributions requested from or made through the Charity Fund shall be applied solely for Qualified Charitable Purposes approved by TrustBridge.
• No improper private benefit. The income and assets of the Approved Charity are not available for improper private benefit, private inurement, or any other impermissible non-charitable use, other than in the ordinary course of carrying out its charitable activities.
• Political activity and integrity standards. The Approved Charity does not participate or intervene in any political campaign on behalf of, or in opposition to, any candidate for public office, and maintains and applies appropriate anti-bribery and anti-corruption standards.
• Safeguarding. To the extent that the Approved Charity works with children, vulnerable adults, or other at-risk persons, it maintains and enforces safeguarding policies, procedures, and training appropriate to the nature, scale, and location of its activities.
• Continuing duty to notify. The Approved Charity shall notify TrustBridge in writing without undue delay of any material legal, tax, regulatory, governance, banking, sanctions, reputational, mission-related, operational, or control change affecting the Approved Charity.

15.3. Charity Fund roles

For a Charity Fund, TrustBridge may recognize one or more Fund Holders, who are generally authorized signatories or senior representatives of the Approved Charity with full access rights, and one or more Fund Advisors. A reviewer or view-only adviser may receive information or copies of statements but may not act on behalf of the Charity Fund.

15.4. Ongoing information requirements

TrustBridge may require the Approved Charity and its representatives to provide periodic or ad hoc updates, including governance documents, registrations, tax or charity status confirmations, board and leadership identification details, audited or management financial statements, activity descriptions, intended-use explanations, project reports, budgets, bank confirmations, dissolution or liquidation provisions, and other documentation or certifications that TrustBridge considers relevant.

15.5. Failure to remain approved

If an Approved Charity ceases to meet TrustBridge's standards or fails to cooperate with review requirements, TrustBridge may suspend or close the Charity Fund, decline further Contributions into it, or direct remaining amounts in accordance with Section 25.

15.6. Public visibility, landing pages, and charity profiles

TrustBridge may offer an Approved Charity the ability to be visible in TrustBridge's online giving portal, to have a public or non-searchable landing page, or to create or participate in a charity profile or directory entry. Any such visibility, landing page, or profile is subject to TrustBridge's approval, content standards, technical controls, and continuing discretion.

15.7. Significant incident reporting

The Approved Charity must promptly notify TrustBridge of any significant incident that has caused or may reasonably be expected to cause a material adverse effect on the fulfillment of a grant, the wellbeing of beneficiaries or persons who come into contact with the organization through its work, or the charity's legal, financial, operational, or reputational standing. Such incidents include, by way of example, actual or suspected fraud, theft, cybercrime, money-laundering, suspicious financial activity or large donations from unknown or unverified sources, terrorism or extremism concerns, safeguarding failures, kidnappings or serious harm events affecting staff or beneficiaries, insolvency, serious data breaches or data losses, and material incidents involving a partner that affect the organization or the use of TrustBridge-supported funds.

16. Distribution Requests from Charity Funds

16.1. Who may request

Only a Fund Holder or full-access Fund Advisor of the relevant Charity Fund, or another person expressly accepted by TrustBridge, may submit a Distribution Request.

16.2. Required information

A Distribution Request must include such information as TrustBridge requests, which may include the amount and currency, the proposed receiving bank account or approved payee, the intended use of funds, budgets, invoices, contracts, or other support, country or local-law information, and any compliance certifications or reports TrustBridge requests.

16.3. Approved destinations and uses

TrustBridge may permit distributions to the disclosed bank account of the Approved Charity or, where TrustBridge expressly approves in writing, to another payee or structure for the Approved Charity's approved work and under conditions imposed by TrustBridge. TrustBridge may refuse any destination or use that it considers inappropriate, insufficiently documented, impermissible, or too risky.

16.4. Review and conditions

TrustBridge may approve, deny, delay, stage, partially approve, or condition any Distribution Request. TrustBridge may require grant letters, grant agreements, reporting conditions, escrow arrangements, milestone releases, vendor vetting, local legal review, or other safeguards.

16.5. Available balance and reserves

TrustBridge is not required to process a Distribution Request that exceeds the available Fund Balance after taking account of pending transactions, Assessments, taxes, foreign exchange, and reserves.

16.6. Processing, intermediaries, and failed transfers

TrustBridge may process distributions through cross-border wire, domestic transfer, ACH, EFT, SEPA, local bank transfer, Network Member, Partner, or another channel. Intermediary bank charges, receiving bank charges, local transfer deductions, delays, banking interruptions, foreign exchange spreads, and settlement failures may reduce or delay the amount ultimately received.

16.7. Reports and proof of use

TrustBridge may require the Approved Charity to provide narrative reports, financial reports, receipts, bank evidence, outcome reports, local law confirmations, or other proof of use for any amount distributed or to be distributed.

17. Donors to Charity Funds and Acknowledgements

17.1. Nature of donor gifts to a Charity Fund

A donor contributing to a Charity Fund makes a charitable gift to TrustBridge and not directly to the Approved Charity unless TrustBridge expressly states otherwise in the relevant structure. TrustBridge may credit the amount to the relevant Charity Fund for administrative purposes, but the gift remains subject to TrustBridge's ownership and discretion.

17.2. Donor identity and anonymity

TrustBridge may disclose the identity of a donor, donor-advised Fund, or recommending person to the Approved Charity unless anonymity is requested and is operationally feasible or unless Applicable Law, privacy commitments, or specific accepted instructions require otherwise.

17.3. No duplicate tax receipting by the charity

Where TrustBridge or a Network Member issues the primary donor receipt, the Approved Charity shall not issue a duplicate tax receipt or otherwise represent that the donor made a tax-deductible contribution directly to the Approved Charity unless such statement is legally accurate and specifically permitted in writing by TrustBridge.

17.4. Fundraising materials, links, and use of TrustBridge branding

Any use by a charity of TrustBridge's name, logo, contribution pages, contribution links, profile pages, wording, or branding must be accurate and comply with any brand, legal, and compliance requirements imposed by TrustBridge. TrustBridge requires prior approval or removal of any such materials.

17.5. Charity Fund-specific restrictions

A Charity Fund may not be used as the Approved Charity's unrestricted operating bank account or ordinary treasury account. It may not be used for personal, private, or non-charitable payments, for onward grants, subgrants, or transfers to third parties without TrustBridge approval, for political campaign activity, unlawful advocacy, bribery, fraud, sanctions evasion, or any other unlawful or impermissible activity, in a way that misuses donor information, TrustBridge intellectual property, or TrustBridge branding, or in any manner inconsistent with TrustBridge's charitable purposes, values, due diligence standards, regulatory obligations, or banking requirements.

18. Restricted Uses and Prohibited Conduct

You shall not, and shall procure that no person acting on your behalf shall, do or attempt to do any of the following:

• False or misleading information. Provide to TrustBridge any information, document, certification, or communication that is false, incomplete, inaccurate, or misleading in any material respect.
• Unlawful or improper use. Use, or seek to use, any Fund, the Secure Portal, or any of TrustBridge's systems, services, or infrastructure for any unlawful, fraudulent, deceptive, evasive, harmful, unauthorized, or otherwise improper purpose.
• Circumvention of legal or compliance controls. Circumvent, evade, undermine, or attempt to circumvent, evade, or undermine any sanctions controls, anti-money laundering requirements, tax laws, banking rules, or any other requirements arising under Applicable Law.
• Interference with systems. Upload, introduce, transmit, or make available any malware, malicious code, harmful content, or other disruptive material, or interfere with, damage, impair, overburden, or compromise the operation, security, integrity, or availability of TrustBridge's systems.
• Unauthorized access. Access, attempt to access, or permit access to any information, account, system, or functionality of TrustBridge without proper authorization.
• Scraping and data extraction. Scrape, bulk extract, harvest, data-mine, copy by automated means, or otherwise systematically collect data from TrustBridge's systems without TrustBridge's prior written consent.
• Misuse of non-public information. Misuse, disclose, exploit, or improperly use donor information, charity information, non-public TrustBridge information, or any other confidential or restricted information obtained through TrustBridge or its systems.
• Infringement of rights. Infringe, misappropriate, or otherwise violate any intellectual property right, confidentiality obligation, privacy right, publicity right, or any other right of TrustBridge or of any third party.
• Breach of the Terms. Act in any manner that breaches these Terms or assists, encourages, facilitates, or permits any other person to do so.

If TrustBridge reasonably considers that any act or omission falling within this Section has occurred, or may occur, TrustBridge may, without prejudice to any other rights or remedies available to it, suspend, restrict, condition, or terminate access to any Fund, the Secure Portal, or any TrustBridge system or service, decline to act on any instruction or request, require additional information or verification, report the matter where required or permitted by Applicable Law, and take such further protective, corrective, or preventive measures as it deems appropriate in the circumstances.

19. Privacy, Confidentiality, and Data Transfers

19.1. Privacy framework and privacy notice

TrustBridge shall process Personal Data in accordance with its then-current privacy notice, as made available through the relevant website, Secure Portal, application flow, form, or other communication channel, and in accordance with Applicable Law. TrustBridge may amend, supplement, or replace its privacy notice from time to time in order to reflect changes in its operations, systems, service providers, legal obligations, regulatory expectations, or processing practices.

19.2. Categories of Personal Data and processing activities

TrustBridge may collect, receive, record, organize, structure, store, adapt, retrieve, consult, use, disclose, transmit, combine, restrict, erase, anonymize, or otherwise process Personal Data and related information concerning Contributors, prospective Contributors, Fund Holders, Fund Advisors, Successors, Charity Representatives, beneficiaries, counterparties, website users, Secure Portal users, correspondents, and other relevant persons.

19.3. Purposes of processing and lawful basis

TrustBridge may process Personal Data for purposes including identity verification, onboarding, Know-Your-Customer procedures, sanctions screening, anti-money laundering and anti-fraud controls, Fund establishment and administration, contribution acceptance and processing, receipting, distribution processing, due diligence, compliance monitoring, reporting, customer and charity support, relationship management, communications, authentication and access control, system administration, information-security monitoring, incident response, backup and business continuity, tax, audit, accounting, insurance, legal, governance, regulatory, and reporting obligations, and dispute management.

19.4. Disclosures and service-provider access

In connection with the purposes described in this Section, TrustBridge may disclose Personal Data to, or permit access to Personal Data by its personnel, service providers, Network Members, Partners, banks, custodians, payment processors, technology and hosting providers, analytics providers, communications providers, sanctions-screening and identity-verification providers, auditors, insurers, professional advisers, contractors, and other service providers or counterparties, in each case to the extent reasonably necessary for the relevant purpose.

19.5. Cross-border transfers and international processing

Because TrustBridge operates internationally, Personal Data and related information may be processed in Switzerland and may be transferred to, accessed from, stored in, or otherwise processed in other jurisdictions through TrustBridge, Network Members, Partners, banks, vendors, and service providers engaged in connection with TrustBridge's operations. TrustBridge shall make such transfers only to the extent permitted by Applicable Law and, where required, shall implement or rely upon such adequacy determinations, standard contractual clauses, contractual safeguards, internal rules, statutory derogations, or other transfer mechanisms as it considers appropriate.

19.6. Data Subject rights and requests

To the extent required by Applicable Law, TrustBridge shall maintain reasonable procedures for the receipt, verification, assessment, and response to requests by Data Subjects or their duly authorized representatives concerning access, information, rectification, correction, completion, restriction, objection, portability, deletion or erasure, withdrawal of consent, limitation of the use of sensitive data, review of automated decision-making, or other rights recognized by Applicable Law.

19.7. Security measures and incident handling

TrustBridge shall implement and maintain technical and organizational measures that are reasonable and appropriate in light of the nature, scope, context, and purposes of the processing and the risks presented, including, where appropriate, access controls, role-based permissions, authentication safeguards, encryption, logging, monitoring, backup, recovery, vendor-management controls, and measures designed to protect Personal Data against unauthorized or unlawful processing and against accidental or unlawful loss, destruction, alteration, disclosure, or access.

19.8. Retention, deletion, and archival

TrustBridge may retain Personal Data for so long as reasonably necessary for the purposes for which such data were collected or otherwise processed and thereafter for so long as required or permitted by Applicable Law, regulatory expectation, audit requirement, limitation period, dispute management need, risk-management purpose, or the establishment, exercise, or defense of legal claims.

19.9. Cookies, analytics, and electronic communications

To the extent TrustBridge uses cookies, pixels, tags, software development kits, analytics tools, or similar technologies on its websites or Secure Portal, it may do so in accordance with its privacy notice, any cookie notice, and Applicable Law. TrustBridge may send operational, administrative, transactional, service-related, legal, compliance, security, or support communications where reasonably necessary for the relationship with the relevant person or otherwise permitted by Applicable Law.

19.10. Confidentiality obligations of Authorized Users and other recipients

Any Authorized User or other person who receives, accesses, or becomes aware of non-public information relating to TrustBridge, another Fund, a donor, a charity, a beneficiary, a transaction, a compliance review, a report, or another person in the course of the relationship with TrustBridge shall keep such information strictly confidential and shall use it solely for the specific purpose for which TrustBridge made it available, except to the extent disclosure is expressly authorized in writing by TrustBridge or is required by Applicable Law or by a binding order of a competent authority.

19.11. Restrictions on misuse of Personal Data and non-public information

No Authorized User or other recipient of Personal Data or non-public information obtained through TrustBridge or its systems may sell, publish, commercialize, aggregate for unrelated purposes, data-mine, exploit, or otherwise misuse such information, whether for personal benefit or for the benefit of any third party.

19.12. Duty to notify and cooperate in relation to confidentiality or data incidents

If any Authorized User or other recipient of non-public information becomes aware of an actual or suspected unauthorized access, disclosure, loss, compromise, misuse, or other security incident affecting Personal Data or non-public information obtained through TrustBridge or its systems, that person shall notify TrustBridge without undue delay and shall cooperate fully with TrustBridge in investigating, containing, remedying, documenting, and, where applicable, reporting the matter.

19.13. No limitation of mandatory rights

Nothing in this Section or elsewhere in these Terms shall be construed as limiting, excluding, or waiving any mandatory right of a Data Subject, or any mandatory duty of TrustBridge, arising under Applicable Law relating to data protection, privacy, confidentiality, data security, breach notification, or cross-border transfers.

20. Publicity, Donor Identity, and Anonymity

20.1. TrustBridge publicity

TrustBridge may refer to a Fund, a charity, or a donor relationship in its internal records, audit records, compliance systems, regulatory communications, and ordinary stewardship materials as permitted by Applicable Law and donor preferences.

20.2. Disclosure in grants and distributions

Unless anonymity is requested and operationally feasible, TrustBridge may identify the Fund name and, where appropriate, the donor or recommending party to the recipient of a grant or distribution.

20.3. No absolute anonymity

TrustBridge does not guarantee absolute anonymity where disclosure is required by law, regulation, audit, bank policy, anti-money laundering process, sanctions compliance, court order, or similar requirement.

20.4. Use of TrustBridge name and marks

You may not publicly use TrustBridge's name, logos, brand features, or marks except as expressly approved by TrustBridge.

21. No Advice; Informational Materials; Third-Party Materials

21.1. No legal, tax, accounting, valuation, or investment advice

TrustBridge does not provide, and nothing in these Terms, in the Secure Portal, or in any communication, discussion, illustration, template, calculation, projection, example, operational guidance, or other support provided by or on behalf of TrustBridge shall be construed as constituting legal, tax, accounting, audit, valuation, appraisal, estate-planning, financial-planning, investment, regulatory, or other professional advice to any person. Any information or materials made available by TrustBridge are provided solely for general informational, charitable, administrative, operational, or procedural purposes and are not tailored to the specific circumstances of any person.

21.2. No offer or solicitation of regulated services; charitable character of TrustBridge

Nothing in these Terms, in any TrustBridge Material, on any TrustBridge website, in the Secure Portal, or in any communication, presentation, or workflow made available by or on behalf of TrustBridge shall constitute or be construed as constituting: (a) an offer, invitation, recommendation, solicitation, or inducement to enter into any banking, deposit-taking, lending, custody, payment, securities-dealing, asset-management, investment-advisory, brokerage, insurance, legal-representation, accounting, valuation, or other regulated financial or professional service; (b) an offer or solicitation to subscribe for, acquire, dispose of, or deal in any financial instrument, security, or regulated investment product; or (c) a public offer, prospectus, key information document, or equivalent regulated offering document under Applicable Law.

21.3. Third-party materials, sources, and tools

TrustBridge may from time to time make available, refer to, transmit, display, or permit access to materials, data, articles, publications, commentary, research, ratings, calculators, models, software tools, external links, or other content or resources produced, owned, or maintained by third parties. Any such third-party material is made available solely as a convenience and for general informational or operational purposes. TrustBridge does not verify all such materials independently and does not represent, guarantee, or warrant their accuracy, completeness, reliability, timeliness, legality, suitability, fitness for purpose, or continued availability.

22. Suspension, Refusal, Closure, and Termination

22.1. General rights

TrustBridge may, at any time and with or without prior notice where appropriate, refuse or suspend any Contribution, instruction, recommendation, request, role, portal access, Fund, or service if TrustBridge reasonably determines that doing so is necessary or desirable for legal, regulatory, banking, mission-related, values-based, compliance, security, reputational, operational, or risk-management reasons.

22.2. Foundation Funds

TrustBridge may suspend or terminate advisory privileges or close a Foundation Fund if these Terms are breached, if information is inaccurate or incomplete, if compliance requirements are not met, if the Fund becomes inactive, uneconomic, or impracticable to administer, if the relevant Fund Holder dies, resigns, becomes incapacitated, or ceases to be eligible and no acceptable succession arrangement exists, if TrustBridge's legal, tax, regulatory, or banking position requires it, or if TrustBridge otherwise has material cause. Any remaining Fund Balance shall continue to be used for charitable purposes under TrustBridge's control.

22.3. Charity Funds

TrustBridge may suspend or close a Charity Fund if the associated charity is no longer approved, fails re-verification, provides misleading information, changes in a material way, presents unacceptable risk, or otherwise ceases to meet TrustBridge's requirements.

22.4. Closure and residual amounts

On closure of a Fund, TrustBridge may complete or unwind pending transactions, deduct outstanding Assessments, taxes, and reserves, restrict or end portal access, and transfer or apply the remaining Fund Balance to one or more approved charitable purposes, recipients, or successor structures that TrustBridge considers appropriate.

23. Standard of Conduct, No Guarantee of Outcomes, and Limitation of Liability

23.1. Standard of conduct

In administering Funds, processing Contributions and distributions, operating the Secure Portal, and carrying out related charitable, administrative, compliance, and operational activities, TrustBridge shall act in good faith and with reasonable care in light of the nature of the relevant activity, the charitable character of TrustBridge, and the need to comply with Applicable Law, banking requirements, sanctions controls, and operational constraints involving third parties and market infrastructure.

23.2. No guarantee of outcomes

TrustBridge does not undertake, represent, or guarantee that any person, Fund, charity, recipient, asset, transaction, or structure will be approved, remain approved, remain available, or be accepted by any bank, custodian, Network Member, Partner, processor, exchange, regulator, or other third party; that any Contribution, grant recommendation, recommended investment, Distribution Request, or other transaction will be accepted, processed, settled, completed, or funded by any particular date; or that any investment option will preserve capital or achieve any particular return.

23.3. Exclusion of certain categories of loss

23.4. Specific excluded matters

Except to the extent prohibited by mandatory law or directly caused by TrustBridge's unlawful intent or gross negligence, TrustBridge shall not be liable for any loss, delay, refusal, interruption, depreciation, or adverse consequence arising out of or in connection with: any act, omission, delay, refusal, suspension, rejection, or operational failure by any bank, custodian, processor, exchange, grantee, charity, Network Member, Partner, vendor, authority, or other third party not under TrustBridge's direct control; market movements, valuation changes, liquidity constraints, trading restrictions, foreign-exchange movements, sale timing, settlement failures, or other changes affecting the value, timing, or proceeds of any asset; or any action or omission taken by TrustBridge in order to comply with Applicable Law, sanctions, anti-money laundering requirements, anti-bribery requirements, tax obligations, court orders, regulatory expectations, banking directives, internal risk controls, safeguarding obligations, or fraud-prevention measures.

23.5. Mandatory-law carve-out

Nothing in these Terms shall exclude, restrict, or limit TrustBridge's liability for unlawful intent, fraud, willful misconduct, or gross negligence, or otherwise to the extent that such exclusion, restriction, or limitation is ineffective under mandatory law.

23.6. Slight negligence

Subject always to Section 23.5 and to any stricter rule imposed by mandatory law, any liability of TrustBridge for slight negligence shall be limited to direct loss that is proven and reasonably foreseeable as a typical consequence of the relevant breach, and TrustBridge shall not be liable for slight negligence in respect of indirect or remote loss or loss that could reasonably have been avoided or mitigated.

23.7. Preserved mandatory rights

Nothing in this Section or elsewhere in these Terms shall be construed as excluding or limiting any right or protection that cannot lawfully be excluded or limited under Applicable Law.

24. Indemnities and Reimbursement

24.1. User indemnity

Each person bound by these Terms shall indemnify and hold harmless TrustBridge, its board members, officers, employees, delegates, affiliates, Network Members, and service providers from and against losses, liabilities, costs, claims, and expenses, including reasonable legal and professional costs, arising out of or relating to that person's breach of these Terms, false, misleading, incomplete, or outdated information supplied by that person, unauthorized or unlawful use of a Fund or the Secure Portal by that person, liabilities attached to an asset contributed by or through that person to the extent not disclosed and accepted by TrustBridge, an impermissible recommendation or request made by that person, or any third-party claim arising from that person's acts or omissions, except to the extent finally determined to have resulted from TrustBridge's unlawful intent or gross negligence.

24.2. Recovery of grants and distributions

If TrustBridge must seek recovery of a grant or distribution because of your breach, misrepresentation, or impermissible conduct, you shall cooperate fully and reimburse TrustBridge for any shortfall and related costs.

25. Records, Statements, Audit, Complaints, and Grievances

25.1. TrustBridge records

TrustBridge's books, records, system logs, internal balances, and determinations shall be controlling for administrative purposes absent manifest error.

25.2. Periodic statements

TrustBridge may provide periodic Fund statements, activity summaries, or notices for any Fund with activity or a balance. The timing, format, and delivery method of such statements are determined by TrustBridge.

25.3. Annual audit

TrustBridge may make available information about its annual independent audit or financial statements in the manner it determines appropriate.

25.4. Complaints and grievance pathway

TrustBridge seeks to maintain a high standard of service. Concerns or complaints should first be raised with the relevant relationship manager or TrustBridge contact where possible. If a matter remains unresolved, it may be submitted to the contact details listed in the Notices and Contact Channels schedule.

25.5. Whistleblowing and concerns

TrustBridge may maintain channels for confidential reporting of concerns regarding law, policy, integrity, ethics, or misuse of funds.

26. Changes to These Terms and Supplemental Terms

26.1. Amendments by TrustBridge

TrustBridge may amend these Terms, the Notices and Contact Channels schedule, the Giving Solutions Guide, or any Supplemental Terms from time to time.

26.2. Notice

TrustBridge may give notice of amendments by posting revised terms on its website or Secure Portal, by email, or by other reasonable means.

26.3. Acceptance of amendments

To the extent permitted by Applicable Law, continued use of a Fund, continued access to the Secure Portal, continued submission of instructions, or continued relationship with TrustBridge after an amendment constitutes acceptance of the amended terms.

26.4. Existing relationships

TrustBridge will endeavor not to apply amendments in a manner that unnecessarily frustrates established Fund administration arrangements for already accepted assets, but TrustBridge may do so where required by law, regulation, banking requirements, operational necessity, security, or protection of TrustBridge's charitable status, mission, or risk position.

27. Miscellaneous

27.1. Entire agreement

Unless TrustBridge has expressly entered into and approved in writing a separate or additional arrangement or agreement with the relevant person or entity, these Terms, together with any application form accepted by TrustBridge, any accepted Supplemental Terms, the schedules incorporated into these Terms, and any other TrustBridge document expressly incorporated by reference, constitute the entire agreement between TrustBridge and such person or entity with respect to their subject matter.

27.2. Severability

If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions remain in effect, and the invalid provision shall be construed or replaced to the minimum extent necessary to preserve the original intent lawfully.

27.3. No waiver

A failure or delay by TrustBridge to exercise any right does not waive that right.

27.4. Assignment and delegation

You may not assign or transfer your rights or obligations under these Terms without TrustBridge's prior written consent. TrustBridge may delegate functions under these Terms and may assign or transfer these Terms to a successor charitable entity, affiliated structure, or reorganization vehicle upon notice to the extent permitted by Applicable Law.

27.5. Survival

Any provision that by its nature should survive termination or closure survives, including provisions concerning ownership, discretion, confidentiality, privacy, liability, indemnity, records, audit, complaints, and dispute resolution.

27.6. Language

These Terms may be made available in more than one language for convenience. To the extent permitted by Applicable Law, the English version prevails in the event of inconsistency.

28. Governing Law and Dispute Resolution

28.1. Governing law

These Terms and any non-contractual matters arising out of or in connection with them are governed by the laws of Switzerland, excluding its conflict-of-laws principles, subject to mandatory law.

28.2. Christian conciliation and good-faith resolution

Before commencing mediation, arbitration, or court proceedings, the parties shall first seek in good faith to resolve any dispute, claim, or controversy arising out of or in connection with these Terms through direct discussions and, where appropriate, Christian conciliation. At the written request of TrustBridge or any other party to the dispute, the parties shall submit the dispute to Christian conciliation in accordance with the Rules of Procedure for Christian Conciliation then in force, administered by the Institute for Christian Conciliation, a division of Ambassadors of Reconciliation, or another agreed Christian conciliation administrator.

28.3. Mediation

If the dispute has not been resolved through direct discussions or Christian conciliation within a reasonable period after written notice of the dispute, the parties shall next attempt to resolve it through confidential mediation conducted under the Rules of Procedure for Christian Conciliation then in force.

28.4. Arbitration

Any dispute that has not been resolved by mediation may be finally resolved by binding arbitration conducted under the Rules of Procedure for Christian Conciliation then in force. The seat of the arbitration shall be Bern, Switzerland, unless TrustBridge agrees in writing to another seat in Switzerland. The arbitral proceedings shall be conducted in the English language unless TrustBridge agrees otherwise.

28.5. Court jurisdiction in support of arbitration; interim and protective relief

Subject to mandatory law, the competent courts at TrustBridge's registered seat in the Canton of Bern, Switzerland shall have exclusive jurisdiction over matters ancillary to the arbitration, including the enforcement of interim measures, the taking of evidence, recognition or enforcement of an arbitral award, or any set-aside or supervisory proceedings available under Swiss law. Nothing in these Terms prevents TrustBridge from seeking interim, conservatory, injunctive, asset-protection, confidentiality-protection, or enforcement relief in any competent forum.

29. Electronic Acceptance

These Terms may be accepted electronically, and TrustBridge's approval of the relevant Fund or transaction completes the binding formation of the relationship governed by these Terms.

Schedule 1 — Supplemental Terms Reference Links

TrustBridge may identify current forms of Supplemental Terms by inserting links below. These links are provided as a reference aid only and may be updated from time to time in accordance with Section 26. The Supplemental Terms applicable to a particular matter are the terms that TrustBridge presents or designates for that matter, whether or not they appear in this Schedule.

• Impact Investment Supplemental Terms
• Complex or Non-Cash Gift Supplemental Terms

Schedule 2 — Notices and Contact Channels