Terms of Use

1. Conditions of use

BANK4HOPE/Aspectus Ltd (the “Service Provider”) owns bank4hope online donation service (the “Service”) and the webpages (the "Website").  By accessing, browsing, registering, using the Service and/or using the Website in any other way the person (the “User”) acknowledges that the User has read and understood these terms of use (the “Terms”) and that the User agrees to be bound by the Terms.  

In addition to complying with these Terms, User agrees to use the Website for lawful purposes only and in a manner consistent with local, national or international laws and regulations. User is prohibited to use the Website in any manner which could damage, disable, overburden, or impair the Website or interfere with any other party's use or enjoyment of the Website.

Service Provider reserves the right, in its sole discretion, to update, revise, supplement, and modify these Terms as well as to impose new or additional terms and conditions to the Terms at any time without prior notice. User’s continued access or use of the Website after such modifications have been posted shall indicate User’s acceptance of and agreement to be bound by these Terms as modified. 

The Service is available 24 hours a day, unless an interruption to the Service is required for maintenance or to solve technical problems. The service Provider shall use its best endeavors to inform the Users in advance about any interruptions to the Service in order to limit the possible harm caused to the Users because of the interruption in the Service.

Any reproduction, modification or distribution of the Website materials or content, in whole or in part, for other than personal purposes is strictly prohibited without prior consent from the Service Provider. User also agrees that the User will not use any part of the Website in such a way that suggests any type of relationship between the Service Provider and the User or any entity related to User without prior consent from the Service Provider.

2. Intellectual property rights

The copyright in this Website and in all of the material contained therein is protected under international copyright laws and copyright conventions. The User shall be required to comply globally with all copyright laws when using this Website, and to prevent unauthorised copying of the any material in the Website.

All intellectual property rights pertaining to the Website (including copyright, registered and unregistered trade mark and design rights, patents, domain names, commercial secrets and database rights) shall be retained by Service Provider or by its partners. All goodwill arising from the use of intellectual property rights belonging to Service Provider shall belong wholly to Service Provider. 

The trademarks, service marks, and logos of Service Provider used and displayed in connection with the Service are registered and unregistered trademarks or service marks of Service Provider. Other company, product, and service names used in connection with the Service may be trademarks or service marks owned by third parties. The offering of the Service shall not be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed in connection with the Service without the prior written consent of Service Provider specific for each such use. The trademarks may not be used to disparage Service Provider, any third party or Service Provider’s or third party’s products or services, or in any manner that may damage any goodwill in the trademarks. All goodwill generated from the use of any Service Provider’s trademarks shall inure to Service Provider’s benefit. 

3. Donating

The User who opens a user account in the Service for donating money is “Donor”. The Service connects Donors and beneficiaries (person(s) in need) through the use of digital technology. The Donor can be a private person, company or other organization.  The beneficiary can be an individual or group of people. Within the groups there can be any number of individuals.  The direct communication between Donors and beneficiaries is not enabled nor is the exchange of excessive personal data.  The purpose is to prevent misuse of personal data and the abuse, extortion or any ill-treatment of beneficiaries. Donors donate by making a monthly recurring donation agreement with the charitable organizations through the Service. A monthly recurring agreement is made between the Donor and charitable organization.  In addition, the Donor can make one-time donations to urgent needs or add money to their account to increase the total amount of funds available.  

4. Payment of donations

The monthly recurring donation agreement is made with a debit or credit card.  After the agreement has been made, the Service will charge the Donor automatically once in a month. With one-time donations the Donor will be charged separately, immediately after the transaction. The Donor can increase or decrease monthly donation amount.  The minimum donation amount for individuals is 15 € per month. The Donor can temporarily suspend the account. During the suspension period, monthly recurring donation will not be charged. The Donor can terminate monthly recurring donation agreement at any time to end the agreement with immediate effects and without causing any expenses to the Donor.     

5. Username and password

As part of the Website registration process, the User will create a password, username, profile and an account. User is responsible for its username and password for the Service so that username and password remain in safe and do not end up in third party’s possession. The User is responsible for the use of the account and any costs or charges/fees that may be incurred. If the User looses the username and password, they can be replaced with new ones. 

User agrees to (a) immediately notify Service Provider of any unauthorized use of his/her/its password or account or any other breach of security, and (b) ensure that he/she/it exits from the account at the end of each session.

Service Provider reserves the right to change a username or password if it is required for technical or any other reason. Service Provider is not liable to pay any compensation to the User changing the username or password.

6. Organizations 

Donations are channelled to beneficiaries through the projects, which charitable organizations have included in the Service.  Charitable organizations that are part of the Service have gone through an approval process with Service Provider before including any projects into the Service. The approval process covers among other things the suitability of the projects for the Service. Service Provider and charitable organizations have entered into a separate service agreements, in which the specific details of the terms of use are agreed upon. As a result of ending the agreement between Service Provider and the charitable organization, projects, which are part of the service agreement, are removed from the service. The Service Provider is not liable for any harm caused to the Donor due to the ending of the agreement between the Service Provider and charitable organization or due to any suspension of a charitable organization or any project from the Service. 

7. User account transactions

Funds donated through the Service will go directly or by way of a transfer account to the bank account of the charitable organization affiliated with the Service. The Donor can target donations to multiple organizations. 

When a donation is made on the Website the transaction is final and not disputable unless unauthorised use of User’s payment card is proved. If the User becomes aware of fraudulent use of his/her/its card, or if it is lost or stolen, User must notify the card provider in accordance with its reporting rules.

8. Commission and expenses

For the Service and the support provided to charitable organizations, Service Provider will charge charitable organizations 5% (VAT 0%) of the total amount of revenue donated through the Service to the charitable organization every month. The charge covers the use of the Service and technical support to the charitable organization.

Charitable organizations included in the Service have agreed with the Service Provider not to take more than 15% (maximum) of the donated sum to cover indirect expenses including Service Provider’s commission. Charitable organizations in the Service have agreed to spend at the minimum 85% of the donated sum in the country where the project, to which the sum is donated, is located.

9. Handling of personal information

Bank4Hope will handle the User’s personal information in accordance with the requirements in laws regarding the use of personal information, as well as the Bank4Hope privacy policy.  

10. Linking

The Users and charitable organizations in the Service are entitled to provide a link to the Website from their homepage or other website.  Other parties (“Party”) than the Users and charitable organizations in the Service are not entitled to frame the Website or link to the Website without Service Provider’s prior consent. If any Party wishes to link to this Website, the Party is requested to contact the Service Provider at

The Website may contact certain links, which lead to other websites ("Linked Sites"). Independent parties over whom Service Provider has no control maintain the Linked Sites. Use of any Linked Sites is entirely at User’s own risk. Service Provider makes no representations or warranties as to the accuracy or any other aspect of the information contained on the Linked Sites, including the goods or services sold or made available. Service Provider therefore disclaims all liability and responsibility for the availability of information, content, accuracy, products, or services found on third party sites which are linked from or to the Website. The existence of a link from the Website to any third party site does not constitute an endorsement by Service Provider of the linked site or any goods, services or information provided through such Linked Sites. 

11. Children and other persons with limited rights

A private person not entitled to hold a credit/debit card according to the national in the country where he/she lives, can not become the User in accordance with these Terms and carry any liability under these Terms. The User is entitled to create a profile on behalf of such private person, who is not entitled to hold a credit card and whose guardian he or she is. The guardian, who has created a profile on behalf of such private person, shall always be the User, who has entered into the donation agreement with the Service Provider. User must give his/hers own email account information, not the persons email that User has created a profile for. Bank4Hope will send the maintenance messages of the Service to the Users email account.

Service and Website is made child friendly and the Service or the Website does not include, for example, the use of inappropriate language or nudity. In case the donation target groups or individuals raise any questions in children, the User who has opened the Service user account for the child takes full responsibility for how the child uses the Service and what they see on the Website.

12. Use and maintenance messages

The Service Provider, charitable organizations or other parties are entitled to send Users messages, which are related to the use or maintenance of the Service.

13. Direct marketing/advertising

The direct marketing permissions collected through the Service can be used by charitable organizations and Service Provider for further advertising of services and/or operations, as well as research and development activities. The Users have the right to refuse advertising. Messages related to the use and maintenance of the Service are not considered as direct marketing, and the Service, charitable organizations and other parties are entitled to send these messages to Users.

14. Registration obligations 

The users are obligated to use the Service responsibly and respect all the people that receive assistance through the Service as well as the charitable organizations that channel the assistance to beneficiaries. The User undertakes not to intentionally cause harm to the Service or Website or damage to any third parties related to the Service or the Website.

To be registered as User of the Service, the User agree to: a) provide true, accurate, current and complete information as required by the Website registration form and b) maintain and promptly update the information to keep it true, accurate, current and complete. If the User provides any information that is untrue, inaccurate, not current or incomplete, or Service Provider has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Service Provider has the right to suspend or terminate all or part of the User’s accounts and deny User from current or future use of the Service.

15. Limitations of Liability

The Website and the Service are provided on an “as is” and “as available” basis. The Service Provider shall use its best endeavours to ensure that the Website and the Service remain in use continuously and without disruption. The Service Provider shall not, however, be liable for ensuring that the Service and the Website operates in a manner that is uninterrupted, timely, secure and free of error. Every effort has been taken to ensure the accuracy of the information in the Service and in the Website. The Service Provider shall nevertheless not be liable for the accuracy of this content. The material in the Website and in the Service may contain inaccuracies and typographical errors. The Service Provider offers no guarantee as to the accuracy or completeness of the material.

All content is offered “as is”. The Website and the information contained therein will be modified from time to time. The Service Provider offers no guarantees and accepts no liability, including guarantees and liabilities in respect of commercial utility, suitability for any particular purpose or non-infringement of rights, or guarantees concerning the functioning of this Website or the Service or the content of the Website.

The Service Provider shall not be liable for any direct, indirect, immediate or consequential damage or special damage, or for such damage based on tort liability, arising from use of this Website or the Service or of the contents thereof. The Service Provider shall likewise not be liable for any errors, inaccuracies, deficiencies or other defects, delays or lack of correctness of the information contained in this Website.

The liability of the Service Provider shall in any case not exceed the liability arising in accordance with mandatory legislation.

Limitations of liability set out in these Terms shall apply regardless of the causes, circumstances or form of action giving rise to the loss, damage, claim or liability, even if such loss, damage, claim or liability is based upon breach of contract (including, without limitation, a claim of fundamental breach or breach of a fundamental term), tort (including, without limitation, negligence), strict liability or any other legal or equitable theory, and even if the Service Provider, its subsidiaries, affiliates, officers, directors, employees, attorneys, and agents are advised of the possibility of the loss, damage, claim or liability. 

16. Indemnification

User agrees to indemnify and hold harmless Service Provider and its subsidiaries, affiliates, officers, directors, employees, attorneys, and agents from and against any and all claims, liabilities, damages, demands, losses or expenses (including all legal fees) brought by User or any third party arising out of User’s use of the Website or the Service in breach of these Terms or any of Service Provider’s policies or the infringement by User of any intellectual property rights of any person or entity.

17. Amendments

Service Provider reserves the right to amend and modify these Terms, and to add or remove any part of these Terms, in whole or in part, at any time, as Service Provider sees fit in its own unfettered discretion. All amendments to these Terms shall take effect when they have been announced on the Website. Any use of the Website following amendment to the Terms shall constitute acceptance of the said amendment.

Service Provider shall be entitled, at any time and without notice, to modify all parts of this Website and the Service; to rectify defects and deficiencies therein; to effect other alterations to this Website or the Service, to the content described on the Website; and to remove elements of the Website or the Service from use. Service Provider shall also have the right, without notice and without liability for compensation, to restrict the use of certain functions, or use of Website or the Service in whole or in part.

18. Changing service operations 

Service Provider has the right to change the Website and/or the Service content, texts, operations, or other features related to the Website or the Service when needed for the development of the Website and the Service or other appropriate reasons.  

19. Liability for damages 

The User is obligated to pay full compensation to the Service Provider for any damage caused by breaching the Terms or unlawful activity.

20. Termination

Service Provider, in its sole discretion, may terminate User’s password, accounts (or any part thereof) and/or User’s right to use the Service at any time for any reason or no reason. User agrees that any termination of User’s right to use the Service may be effected without prior notice, and acknowledge and agree that Service Provider may immediately deactivate or delete User’s account and all related contents and files related to User’s account and/or bar any further access to such files or the Service. Further, User agrees that Service Provider shall not be liable to User or any third party for any termination of User’s right to use or otherwise access the Service. All provisions of these terms of use that by their nature should survive termination of User’s right to use the Service shall survive. 

21. Choice of law

These terms of use are governed by the law of the Republic of Finland.

22. Settlement of disputes

If Service Provider and the User are unable to negotiate an understanding on any point of dispute, then the said dispute shall be settled in the first instance at the District Court of Helsinki in Finland.

23. Waiver

The failure or delay of Service Provider to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No oral waiver, amendment or modification shall be effective under any circumstance whatsoever. If any privision of these Terms is found by a court by competent jurisdiction to be invalid, the other provisions of these terms of use shall remain in full force and effect.

24. Contact information

Any further questions related to the Terms should be sent to the following email address:

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