Roster Processing Terms

These Processing Terms (the “Terms”) are between Roster Giving Inc., a Delaware corporation (“Roster”, “we”, “us”), and the church, ministry or nonprofit organization that enables paycheck giving (“you”, “your organization”). You accept them in the confirmation flow presented when paycheck giving is enabled for your organization.

You reach paycheck giving through a giving platform you already use (the “Platform”). Your relationship with the Platform — pricing, support, the software itself — is governed by your agreement with them. These Terms cover only the processing and settlement of paycheck giving donations, which the Platform does not perform.

1. What paycheck giving is

1.1 Paycheck giving lets a donor direct a fixed amount or a percentage of each paycheck to your organization as a recurring charitable donation (a “Donation”). The amount is deducted in the donor’s payroll and settles each pay cycle until the donor changes or cancels it.

1.2 Donations settle through for-benefit-of (“FBO”) accounts maintained at a regulated financial institution (the “Banking Provider”) and are disbursed to the bank account you designate (your “Settlement Account”), typically within one (1) to two (2) business days of each pay cycle. A Donation is a “Settled Donation” once its funds have cleared and been disbursed to you.

1.3 Neither Roster nor the Platform holds your funds as a deposit or takes ownership of them. Roster is not a bank and is not the recipient of the contribution — your organization is.

2. Eligibility and verification

2.1 Paycheck giving is available to organizations that are eligible to receive tax-deductible contributions under U.S. law and that we verify as such. Verification uses official sources, including the IRS Tax Exempt Organization Search, and the information the Platform submits about your organization.

2.2 You confirm, in the enrollment flow, that the entity information and the Settlement Account are correct and that the person confirming is authorized to act for your organization.

2.3 We may decline or suspend paycheck giving for your organization. We report the status of that decision. Where we do not disclose the reasons, that limitation is imposed by applicable regulation and is not a matter of discretion.

3. What you authorize

3.1 Net settlement. You authorize the fee described in Section 4 to be withheld at settlement, so that each Donation is disbursed to you net of that fee. This is a standing payment instruction. It remains in effect for as long as paycheck giving is enabled for your organization and is revoked by disabling paycheck giving under Section 8.

3.2 Credits and corrections. You authorize us, and the Banking Provider, to initiate credits to your Settlement Account for Settled Donations and to debit that account to correct an error, a duplicate, or a Donation that is later returned or reversed. We will notify you before any correcting debit unless a shorter timeline is required by the Banking Provider or by law.

3.3 Data. You authorize the Platform to share with us the information needed to enable and operate paycheck giving, and you authorize us to return donation and settlement data to the Platform so that paycheck giving activity appears in your reporting there.

4. Fees

4.1 Paycheck giving carries a single fee, expressed as a percentage of the gross amount of each Settled Donation. That fee is set by your Platform and stated in your agreement with them, not by Roster.

4.2 The fee is withheld at source. You receive the net amount, no invoice is issued to you, and you are not billed separately by Roster or by the Platform for it.

4.3 Fees accrue only on Settled Donations. If a Donation is returned or reversed, the fee on it is reversed and netted against your next settlement.

5. Receipts and tax treatment

5.1 Donations are recorded at their gross amount. A donor who gives $100 has made a $100 contribution, and the contribution receipt your organization issues reflects that gross amount. The fee is an operating expense of your organization, in the same manner as card processing fees.

5.2 Issuing contribution receipts and acknowledgments, and your own tax and accounting treatment, remain your responsibility. Roster does not provide legal or tax advice and does not warrant that any record generated through the service satisfies a particular legal or tax requirement.

6. Your obligations

6.1 You will keep your organization’s information accurate and current, and will notify the Platform promptly — and in any event within five (5) business days — of any change to your legal name, tax identification number, Settlement Account, or authorized signatories. Settlement may be paused while a change is verified.

6.2 You will use Donations for your organization’s exempt purposes and will comply with the laws that govern your charitable activity, including registration, reporting and donor disclosure requirements in the states where you operate.

6.3 You will not use paycheck giving to solicit or receive funds on behalf of another entity, or in any way that violates applicable law or the Banking Provider’s requirements.

7. Data, privacy and security

7.1 We process donor and organization data solely to operate paycheck giving and to meet our legal obligations. We do not sell it, use it for advertising or profiling, or use it to train third-party models. Data is stored and processed in the United States.

7.2 We share data with the Platform (as described in Section 3.3), with the Banking Provider and the payroll data provider to the extent needed to move the money, and with regulators or authorities where required by law.

7.3 We maintain a written information security program with role-based least-privilege access, multi-factor authentication for administrative access, encryption in transit and at rest, documented vulnerability management, an annual independent penetration test, and a tested incident response plan.

7.4 We will notify you of any confirmed security breach affecting your donors’ data without undue delay and within seventy-two (72) hours of confirmation, and will cooperate in investigation, remediation and any required notifications.

7.5 We retain transaction records for as long as required by applicable financial and tax recordkeeping rules, and delete or return other data on request after paycheck giving ends for your organization.

8. Stopping, suspension and wind-down

8.1 You may disable paycheck giving at any time through the Platform.

8.2 When paycheck giving ends — because you disabled it, because your agreement with the Platform terminated, or because the arrangement between Roster and the Platform ended — Donations already authorized continue to settle to you for up to ninety (90) days unless you instruct otherwise, and affected donors receive at least thirty (30) days’ notice before their recurring Donations are cancelled. Where the arrangement between Roster and the Platform ends, you decide whether your authorized Donations continue to settle to you, are cancelled, or are transferred.

8.3 We may suspend paycheck giving immediately where required by law, by a regulator, or by the Banking Provider, or where continued processing presents an immediate legal, financial or security risk. Where we can give notice first, we will.

9. Warranties and liability

9.1 We will provide the service in a professional manner and in accordance with applicable law. Except as stated in these Terms, the service is provided without other warranties, express or implied.

9.2 NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE OR GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY.

9.3 Our aggregate liability to your organization arising from these Terms will not exceed the greater of (a) the Roster fees retained from your organization’s Donations in the twelve (12) months preceding the event, or (b) ten thousand US dollars (US$10,000). This limit does not apply to amounts we owe you that we failed to disburse, or to fraud or willful misconduct.

10. Changes, notices and governing law

10.1 These Terms are versioned. We may update them; the updated version takes effect for your organization no earlier than thirty (30) days after notice is given through the Platform, and the version in force is the one published here. Material changes to Section 3 or Section 4 will not take effect without your acceptance.

10.2 Notices to Roster go to Roster Giving Inc., 1152 S Van Ness Ave, San Francisco, CA 94110, and by email to rafael@rostergiving.com. Notices to you go to the contact your organization provides in the enrollment flow, through the Platform, or by email.

10.3 These Terms are governed by the laws of the State of Delaware, without regard to conflict of laws rules, and the state and federal courts located in Delaware have exclusive jurisdiction. Your agreement with the Platform is a separate contract and may be governed by different law.

10.4 If any provision is unenforceable it will be narrowed to the minimum extent necessary or severed, and the rest remains in effect. These Terms, together with what you confirm in the enrollment flow, are the entire agreement between you and Roster on this subject.