Mastercard offers the donation Site and Goodworld hosts it
The Site is the Mastercard Donation Service website, a program offered by Mastercard International Incorporated and hosted by Goodworld Inc. It gives you the ability to donate to selected charities and causes identified on the Site, which the Terms call "Priceless Causes".
Details
Who
Mastercard International Incorporated (offers the Program); Goodworld Inc. (hosts the Site)
What it covers
Donations to selected charities and causes identified on the Site
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This Mastercard Donation Service website (the "Site") is a program ("Program") offered by Mastercard International Incorporated ("Mastercard") and is hosted by Goodworld Inc. ("Goodworld").
The Site provides you with the ability to donate to selected charities and causes identified on this Site ("Priceless Causes").
Charges & Financial Obligations · Restriction or exception
Donations use a Mastercard debit or credit card account, not Maestro or Fuel Cards
The Site gives Mastercard cardholders the chance to donate to specified charities using their Mastercard debit or credit card account. Maestro and Fuel Cards are excluded.
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The Site provides Mastercard cardholders the opportunity to donate to specified charities using their Mastercard debit or credit card account (excluding Maestro and Fuel Cards).
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The Terms do not define "Fuel Cards".
Charges & Financial Obligations · Context
Participating cardholders can donate through the Site by recurring or one-time donations
The Program lets participating Mastercard cardholders donate to a specified charitable organization through the Site, using a debit or credit Mastercard card account, in one or more of two listed ways: recurring donations, or one-time donations to selected charities named on the Site. Later text says Mastercard may, from time to time, now or in the future also enable micro donations and round-up donations, so those two types are not listed here.
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The Program allows Mastercard cardholders participating in the Program to make a donation using a [debit or credit] Mastercard card account (excluding Maestro and Fuel Cards) to a specified charitable organization using the Site in one (1) or more of the following ways:
Recurring donations; or
"One Time" donations to selected charities named on the Site.
From time to time Mastercard may now or in the future also enable micro donations on the Site
From time to time Mastercard may now or in the future also enable round-up donations on the Site
Qualifications & exceptions
Maestro and Fuel Cards are excluded.
Micro and round-up donations are described as possible "now or in the future", not as currently available.
Recurring donations charge the amount you choose, at least $1.00, until you cancel
You can register to make recurring donations (for example weekly, monthly or quarterly) to a charitable organization using your registered Mastercard debit or credit card account. Mastercard records your intention to donate the amount you select, with a minimum recurring donation of $1.00, and for each period you choose it enables a transaction in which the charity is the merchant of record and your card is charged that amount. Recurring donations continue until you cancel them through the cancellation process described later, or until a date Mastercard notifies you they will no longer be charged to your card or otherwise posts on the Site.
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You may register on the Site to designate for recurring donations (e.g., weekly, monthly or quarterly) for a specified charitable organization using your registered debit or credit Mastercard account (excluding Maestro and Fuel Cards).
You will be able to choose the specific amount of the recurring donation (with a minimum recurring donation amount of $1.00).
Mastercard will enable a transaction to be processed where the charitable organization you have selected will be the merchant of record using your card account for the relevant amount of the donation in respect of such charitable organization.
Recurring donations will continue until you cancel them through the process outlined below or otherwise through a date we notify you they will no longer be charged to your card or otherwise posted on the Site.
Qualifications & exceptions
Maestro and Fuel Cards cannot be used.
Recurring donations also end on a date Mastercard notifies you or posts on the Site, even if you have not cancelled.
Charges & Financial Obligations · User right or choice
You can make a one-time donation of at least $1.00, with or without registering
You can choose to make a one-time donation to a specified charitable organization through the Site, with a minimum one-time donation amount of $1.00. You may register for an account on the Site if you wish to make a one-off donation, but you are not required to.
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You may also select to make a one time donation to a specified charitable organization using the Site (with a minimum one time donation amount of $1.00).
You will have the option to register with the Site and sign-up for an account with the Site if you wish to make a one off donation but will not be required to register.
Charges & Financial Obligations · Company commitment
Your full donation, less standard card processing fees, is paid directly to the charity
For recurring and one-time donations, the Terms say your full donation, less any applicable standard card processing fees, will be paid directly to the designated charity.
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Your full donation (less any applicable standard card processing fees) will be paid directly to the designated charity.
Your full donation (less any applicable standard card processing fees) will be paid directly to the designated charity.
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The amount of the "standard card processing fees" and who charges them are not stated.
Micro donations record a donation of at least $1.00 on each card transaction and are charged monthly
From time to time Mastercard may enable micro donations. If you register for them, Mastercard records your chosen donation amount, at least $1.00 USD, for each transaction made with your registered debit or credit Mastercard card account, for the charity you selected. Once a month Mastercard totals the amounts recorded against your card and the Program enables a transaction in which the charity is the merchant of record and your card is charged the accumulated amount. Your full donation, less any applicable standard card processing fees, is paid directly to the charity.
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From time to time Mastercard may now or in the future also enable micro donations on the Site
using your registered debit or credit Mastercard account (excluding Maestro and Fuel Cards)
with a minimum micro donation of $1.00 USD per transaction
In the event Mastercard enables this functionality, once a month, Mastercard will calculate the total amount of micro donations recorded against your designated card account and the Program will enable a transaction to be processed where the charitable organization you have selected will be the merchant of record using your card account for the relevant amount of the accumulated micro donations in respect of such charitable organization (up to any applicable maximum donation set for that donation type, if any).
Your full donation (less any applicable standard card processing fees) will be paid directly to the designated charity.
Qualifications & exceptions
Available only if and when Mastercard enables it; the text says it may do so "now or in the future".
The monthly charge is up to any applicable maximum donation set for this donation type, if any.
Maestro and Fuel Cards cannot be used.
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The text does not say whether Mastercard has enabled micro donations, or what any maximum donation for this type is.
Round-up donations add the difference to the next dollar on each card transaction and are charged monthly
From time to time Mastercard may enable round-up donations. If you register for them, Mastercard records, for each transaction on your registered debit or credit Mastercard card account, an amount equal to the difference between the purchase amount and the next nearest dollar (the example given is $1.99, which records $.01), for the charity you selected. Once a month Mastercard totals the amounts recorded against your card and the Program enables a transaction in which the charity is the merchant of record and your card is charged the accumulated amount. Your full donation, less any applicable standard card processing fees, is paid directly to the charity.
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From time to time Mastercard may now or in the future also enable round-up donations on the Site
using your registered debit or credit Mastercard account (excluding Maestro and Fuel Cards)
we will record an intention to donate an amount equal to the difference between your actual purchase amount and the next nearest dollar
In the event Mastercard enables this functionality, once a month, Mastercard will calculate the total amount of round-up donations recorded against your designated card account and the Program will enable a transaction to be processed where the charitable organization you have selected will be the merchant of record using your card account for the relevant amount of the accumulated round-up donations in respect of such charitable organization (up to any applicable maximum donation set for that donation type, if any).
Your full donation (less any applicable standard card processing fees) will be paid directly to the designated charity.
Qualifications & exceptions
Available only if and when Mastercard enables it; the text says it may do so "now or in the future".
The monthly charge is up to any applicable maximum donation set for this donation type, if any.
Maestro and Fuel Cards cannot be used.
Not stated here
The text does not say whether Mastercard has enabled round-up donations, or what any maximum donation for this type is.
Charges & Financial Obligations · Company practice
Choosing to donate authorizes a charge to your card, with the charity as merchant of record
By selecting to make a donation through the Site, you authorize a charge for the amount of your designated donation to your registered Mastercard card account, processed with the designated charity as the merchant of record. The Terms say all donations made through the Site go directly to the charity you select, and that charity is the merchant of record.
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By selecting to make a donation through the Site, you authorize a charge to be processed with the designated charitable organization as the merchant of record for the amount of your designated donation using your registered Mastercard card account.
All donations made by, on or through the Site are made directly to the charitable organization you select on the Site and the charity you select is the merchant of record for the transaction.
Charges & Financial Obligations · User right or choice
You can change or cancel a pledged donation until it is processed; one-off donations cannot be changed
You may change or cancel a previously pledged donation that Mastercard has not yet processed, by logging into the Site and amending the details for that donation. One-off donations are processed immediately, so they cannot be changed or cancelled once made. Changes and cancellations to recurring donations can be made at any time during that month as long as the donation has not been processed. Recurring donations continue until you cancel them through this process.
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You may change or cancel a previously pledged donation made on the Site which has not yet been processed by Mastercard by logging into the Site and amending the details for that donation.
One off donations are processed immediately and, as such cannot be changed or cancelled once made.
Changes and cancellations to recurring donations can be made at any time during that month as long as the donation has not been processed.
Recurring donations will continue until you cancel them through the process outlined below
Qualifications & exceptions
Changes and cancellations are made by logging into the Site and amending the donation's details.
Not stated here
The text refers to "that month" for recurring donations and does not say how this applies to weekly or quarterly donations.
Charges & Financial Obligations · Restriction or exception
Once a donation is processed, Mastercard cannot change or reverse it unless the law requires
To the maximum extent permitted by law, you agree that once a donation transaction has been processed to your Mastercard card account, Mastercard cannot change or reverse that donation, except to the extent Mastercard is required by applicable law to change or reverse the transaction. If you have concerns about donations already processed, the Terms tell you to contact your issuing bank.
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To the maximum extent permitted by law, you agree that, once a transaction has been processed to your Mastercard card account in respect of a donation, that donation cannot be changed or reversed by Mastercard, except to the extent Mastercard is required to change or reverse the relevant transaction by applicable law.
If you have any concerns regarding donations which have already been processed, please contact your issuing bank.
Qualifications & exceptions
Your agreement applies to the maximum extent permitted by law.
Charges & Financial Obligations · Company practice
Mastercard can remove a charity from the Program at its sole discretion
At any time, Mastercard may decide in its sole discretion to remove a charitable organization from the Program. It will then stop processing donations to that organization and will make commercially reasonable efforts to notify you by email of the removal if you had elected to donate to that charity.
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At any time, Mastercard may at, its sole discretion, decide to remove a charitable organization from the Program. In such case, we will cease processing any donations in relation to that organization and will make commercially reasonable efforts to notify you via email of this removal if you elected to donate to such charitable organization.
Qualifications & exceptions
Notice is by email, on a "commercially reasonable efforts" basis, and only if you elected to donate to that charity.
Charges & Financial Obligations · Company practice
Mastercard may stop processing donations tied to suspected fraud or other illegal activity
If Mastercard suspects fraud or any other potentially illegal activity in relation to a donation or a charitable organization, it may, in its sole discretion, stop processing donations relating to that activity. It will make commercially reasonable efforts to notify you by email if you had elected to donate to that charity.
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At any time, if Mastercard suspects fraud or any other potentially illegal activity in relation to a donation or charitable organization, Mastercard may, at its sole discretion, cease to process donations relating to that activity. In such case, we will cease processing any donations in relation to that activity and will make commercially reasonable efforts to notify you via email of this if you elected to donate to such charitable organization.
Qualifications & exceptions
Notice is by email, on a "commercially reasonable efforts" basis, and only if you elected to donate to that charity.
Charges & Financial Obligations · Company practice
Goodworld checks listed charities against three data sources but does not guarantee their tax status
Goodworld says it uses data from three sources to verify the good standing of all beneficiary organizations listed on the Site: the IRS Exempt Organizations Business Master File Extract, IRS Publication 78 (the Exempt Organizations Select Check Database), and the Office of Foreign Assets Control (OFAC) list, in compliance with the USA PATRIOT Act. Goodworld makes a good faith effort to verify that each listed organization is eligible to receive tax-deductible contributions, but the Terms say "we" do not guarantee, explicitly or implicitly, any organization's federal income tax exempt status or its eligibility to receive tax-deductible contributions.
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Goodworld uses data from three (3) different data sources to verify the good standing of all beneficiary organizations listed on the Site.
IRS Exempt Organizations Business Master File Extract (EO BMF): a list of organizations recognized as exempt by the IRS
Office of Foreign Assets Control (OFAC), in compliance with the USA PATRIOT Act.
Although Goodworld makes a good faith effort to verify each organization listed on the Site is eligible to receive tax-deductible contributions, we do not guarantee, whether explicit or implied, the exempt status of any organization listed on the Site to federal income tax or their eligibility to receive tax-deductible contributions.
Charges & Financial Obligations · Restriction or exception
Whether a donation is tax-deductible is your responsibility, and donating is at your own risk
The Terms put on you, as the donor, the job of verifying an organization's eligibility to receive tax-deductible contributions and of determining how much of your contribution is deductible. They strongly advise you to consult an attorney, accountant and/or financial advisor before donating, and say any donation made on the Site is made at your own risk.
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The verification of an organization's eligibility to receive tax-deductible contributions and the determination of the extent to which your contribution(s) is deductible is fully the responsibility of you, the donor.
We highly advise that you, as a donor, consult an attorney, accountant, and/or financial advisor before making any donation. Any donation made on the Site is done so at your own risk.
Charges & Financial Obligations · Restriction or exception
Mastercard and Goodworld do not verify how a charity uses your donation
The Terms say "we" are not responsible for understanding or verifying how a charity will use your money; you are fully responsible for understanding that before you donate. They also say "we" are not obligated to verify the accuracy of information the charity provides or posts, and take no responsibility to verify that a donation is used for any fundraising purpose or that funds raised are used in accordance with applicable laws.
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We are not responsible for understanding or verifying how your money will be used by the charity. You are fully responsible for understanding such information prior to making a donation.
We are not obligated to verify the accuracy of any information provided or posted by the charity, and we assume no responsibility to verify if your donation will be used in accordance with any fundraising purpose, or if any funds raised are used in accordance with any applicable laws.
Charges & Financial Obligations · Context
Mastercard is not a fundraiser; the Site is a service that sends donations straight to the charity
Mastercard says it does not act as a professional fundraiser for any charity. Donations made by, on or through the Site are made directly to the charity you select, which is the merchant of record for the transaction, and Mastercard provides the Site solely as a service that technologically enables you to donate directly to that charity.
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MASTERCARD IS OFFERING THE SITE AS A SERVICE AND NOT AS A FUNDRAISER
Mastercard does not act as a professional fundraiser on behalf of any charity.
Mastercard is providing the Site solely as a service to technologically enable the donation to be made by you directly to the applicable charitable organization.
Charges & Financial Obligations · Restriction or exception
Mastercard is not responsible for card account fees or penalties from your use of the Site
Mastercard says, without limiting the foregoing, that it is not responsible for any card account fees or penalties you incur on your Mastercard card account as a result of using the Site or taking part in the Program.
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Without limiting the foregoing, we are not responsible for any card account fees or penalties that you incur on your Mastercard card account as a result of your use of the Site or participation in the Program.
Charges & Financial Obligations · Restriction or exception
Mastercard does not guarantee donations are tax-deductible or that a charity keeps its status
Mastercard does not represent, warrant or guarantee that any or all donations made via "the Platform" will be deductible or tax-free for income or other tax purposes, or that your chosen charity has or will continue to have charitable or non-profit status, or complies with legal requirements applicable to charities in any jurisdiction.
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Mastercard does not represent, warrant or guarantee that any or all donations made via the Platform will be deductible or tax-free for income or other tax purposes, or that your chosen charitable organization has or will continue to have charitable or non-profit status, or complies with legal requirements applicable to charitable organizations in any jurisdiction.
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The text says "the Platform", which the Terms do not define.
Charges & Financial Obligations · Restriction or exception
Tax consequences are your responsibility, and Mastercard provides no separate tax receipt
Any tax liability from taking part in the Program is your sole responsibility, not the responsibility of Mastercard, the Site or the financial institution that issued your card. You must work out the tax consequences of a donation yourself, and if you need a tax receipt or certificate you must request it from the charity you donated to. Mastercard will not provide a separate tax receipt as part of the donation process.
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Any tax liability resulting from your participation in the Program shall be your sole responsibility, and not our responsibility or the responsibility of the Site, Mastercard or the financial institution that issued your Mastercard card.
if you require a tax receipt or tax certificate in connection with a donation made through the Site it is your sole responsibility to request this from the relevant charitable organization to which you are donating. Mastercard will not provide you with a separate tax receipt as part of the donation process.
Charges & Financial Obligations · Context
Mastercard is not your card issuer; card questions go to your bank, and these Terms are not a cardholder agreement
The section heading says these Terms of Use do not apply to any Mastercard payment card cardholder agreement. Mastercard says it is a payment services organization, not a financial institution, and does not issue credit, debit, prepaid or other payment cards. Your Mastercard-branded card relationship is with the issuing bank or financial institution, and questions or issues about your card or cardholder account should go to that bank, not to Mastercard. Mastercard's relationship with your issuing bank does not pertain to individual cardholders or payment card accounts.
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16. Inapplicability of Terms of Use to any Mastercard Payment Card Cardholder Agreement
Mastercard is not a financial institution and does not issue credit, debit, prepaid or payment cards of any type of nature. Your Mastercard-branded payment card relationship is with an issuing bank or financial institution.
Any and all questions or issues regarding your Mastercard-branded payment card or cardholder account should be directed to the bank or financial institution that issued your card, and not to Mastercard. While Mastercard has a relationship with your issuing bank or financial institution, that relationship does not pertain to individual cardholders or payment card accounts.
Charges & Financial Obligations · Restriction or exception
You and Mastercard each pay arbitration costs under the AAA rules, but Mastercard may elect to pay more
You and Mastercard pay the administrative and arbitrator's fees and other costs in accordance with the applicable arbitration rules. If those rules or applicable laws require Mastercard to pay a greater portion or all of the fees and costs for Section 18 to be enforceable, Mastercard has the right to elect to pay them and proceed to arbitration.
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You and we will pay the administrative and arbitrator's fees and other costs in accordance with the applicable arbitration rules; but if applicable arbitration rules or laws require Mastercard to pay a greater portion or all of such fees and costs in order for this Section to be enforceable, then Mastercard will have the right to elect to pay the fees and costs and proceed to arbitration.
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The Terms do not state the amount of the fees or how they would be split under the AAA rules.