Terms of Service

1. Welcome

Welcome to Hardal.

These Terms of Service ("Terms") govern your access to and use of the Hardal website, applications, APIs (if any), administration portal, and all related services (collectively, the "Platform").

By accessing or using Hardal, you confirm that you have read, understood and agreed to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, you must not use the Platform.

2. Who We Are

Hardal is an independent Christian giving directory that helps people discover verified giving information for churches, ministries, orphanages, missions, Christian foundations, projects, events and related organizations.

Hardal is designed to help users identify official giving channels and access publicly available ministry information more easily.

Unless expressly stated otherwise:

• Hardal is not a bank.
• Hardal is not a payment processor.
• Hardal is not a fundraising platform.
• Hardal is not a financial institution.
• Hardal is not an escrow service.
• Hardal is not an agent of any listed ministry.
• Hardal does not receive or process donations made through bank transfers.

All transfers occur entirely between the giver and the receiving financial institution.

3. Definitions

Throughout these Terms:

Platform means the Hardal website, applications and services.

Ministry includes churches, missions, Christian organizations, orphanages, charities, Christian foundations, projects, campaigns, events and other organizations listed on Hardal.

Verified Listing means a listing that has been reviewed by Hardal using its internal verification process at a specific point in time.

Verification does not constitute a guarantee that information will remain accurate indefinitely.

Claimed Ministry

A ministry whose authorized representative has successfully completed Hardal's ownership verification process and has been granted access to manage the ministry profile.

Representative

An individual authorized by a ministry to manage information relating to that ministry.

User

Anyone visiting or using Hardal.

Administrator

An authorized Hardal team member responsible for reviewing, approving, rejecting or managing Platform content.

4. Eligibility

You may use Hardal only if:

• you are legally capable of entering into binding agreements under applicable law;
• you comply with these Terms;
• your use of the Platform is lawful within your jurisdiction.

You may not use Hardal if doing so violates any applicable law or regulation.

5. Description of the Service

Hardal provides an informational directory that may include:

• ministry profiles;
• branch locations;
• official websites;
• ministry logos;
• contact information;
• verified bank account information;
• ministry projects;
• ministry events;
• impact stories;
• anonymous giving indicators;
• search functionality;
• public verification status;
• ministry claim functionality;
• suggestion forms;
• error reporting.

Hardal may add, remove or modify Platform features at any time.

6. Nature of the Information We Publish

Hardal aggregates information from sources that may include:

• official ministry websites;
• verified ministry representatives;
• publicly available records;
• official social media pages;
• information directly supplied by ministries;
• information independently verified by Hardal.

Although Hardal uses reasonable efforts to verify information before publication, information may become inaccurate over time due to circumstances outside our control.

Examples include:

• ministries changing banks;
• account closures;
• branch relocations;
• organizational restructuring;
• website changes;
• staff changes;
• banking updates;
• regulatory changes.

Accordingly, all information published on Hardal is provided for general informational purposes only.

7. Verification Status

A "Verified" badge means that Hardal completed its verification process using information available at the time of review.

Verification does not mean:

• Hardal guarantees future accuracy;
• information can never change;
• Hardal endorses a ministry's doctrine, beliefs or activities;
• Hardal guarantees donations will be used for any particular purpose;
• Hardal guarantees that a ministry remains active after verification.

Verification reflects only Hardal's assessment that the published information matched available verification sources at the time it was reviewed.

8. Important Notice Before Sending Money

This section is important and should be read carefully.

Hardal exists solely to help users identify ministry giving information.

Hardal does not participate in any transfer of funds.

Before completing any bank transfer, you agree that you are solely responsible for confirming that:

• the account number entered into your banking application is correct;
• the account name displayed by your bank matches the intended recipient;
• the bank selected is correct;
• the amount entered is correct;
• the transfer recipient is the intended ministry or organization.

Your banking application is the final authority for confirming the recipient of a transfer.

Always review the account name returned by your bank before authorizing payment.

If the account name displayed by your banking institution differs from what you expect, you should not proceed until you independently confirm the correct account details with the ministry.

9. No Financial Advice

Nothing published on Hardal constitutes:

• financial advice;
• investment advice;
• legal advice;
• tax advice;
• charitable due diligence;
• accounting advice;
• banking advice.

You remain solely responsible for your giving decisions.

10. No Payment Processing

Hardal does not:

• receive donations;
• process payments;
• hold funds;
• transmit funds;
• escrow money;
• reverse transfers;
• refund donations;
• investigate failed bank transfers.

If you experience problems relating to a transfer, you should contact:

• your financial institution;
• the receiving ministry; or
• the relevant payment provider,

as appropriate.

11. User Accounts

Most areas of Hardal may be accessed without creating an account.

Certain features require registration, including:

• claiming a ministry;
• managing ministry information;
• accessing the administration portal;
• reviewing submissions;
• administrative moderation;
• publishing impact stories;
• managing projects or events.

You agree to provide accurate, complete and current information when creating an account.

You are responsible for maintaining the confidentiality of your login credentials.

You must immediately notify Hardal at info@givehardal.com if you believe your account has been compromised.

You are responsible for all activity that occurs under your account unless caused solely by Hardal's negligence.

12. Two-Factor Authentication

Hardal may require Multi-Factor Authentication ("MFA") or Two-Factor Authentication ("2FA") for certain accounts.

This requirement applies particularly to:

• Administrators
• Editors
• Ministry Representatives
• Claimed Ministry Owners

Hardal reserves the right to suspend access to privileged accounts until required authentication measures have been completed.

Failure to maintain required security measures may result in temporary suspension of editing privileges.

13. Claimed Ministry Pages

Certain ministries may claim ownership of their listing.

Claiming a ministry does not transfer ownership of Hardal or its platform.

A successful claim grants limited permission to manage designated information relating to that ministry.

Hardal may require evidence before approving a claim, including but not limited to:

• official ministry email addresses;
• official website ownership;
• identity verification;
• authorization letters;
• telephone verification;
• other documentation reasonably requested.

Hardal may approve, reject, suspend or revoke any claim at its sole discretion.

14. Ministry Representatives

Individuals managing ministry pages represent that they:

• are authorized by the ministry;
• have authority to submit information;
• will provide accurate information;
• will promptly correct outdated information;
• will not intentionally publish false or misleading information.

Representatives remain responsible for the accuracy of information they submit.

15. Review and Approval Process

Not every submitted change becomes immediately visible.

Hardal may review changes before publication, including:

• bank account additions;
• account removals;
• account edits;
• ministry descriptions;
• logos;
• websites;
• branch information;
• projects;
• events;
• impact stories;
• verification requests.

Hardal reserves the right to:

• request supporting documentation;
• reject submissions;
• request clarification;
• publish only part of a submission;
• defer publication while additional verification is conducted.

Submission of information does not guarantee publication.

16. Verification Services

Hardal may perform verification activities including:

• reviewing official ministry websites;
• reviewing official social media pages;
• contacting ministry representatives;
• validating public records;
• verifying account ownership using third-party verification services;
• reviewing supporting documentation.

Hardal may also use third-party account name validation services to assist its verification process.

Successful validation through a third-party service does not constitute a guarantee that an account will remain valid after publication.

17. Third-Party Services

Hardal integrates with third-party services to improve the Platform.

These services may include:

• payment account validation providers;
• hosting providers;
• cloud infrastructure;
• analytics providers;
• authentication providers;
• mapping services;
• email providers.

Third-party services operate under their own terms and privacy policies.

Hardal is not responsible for the availability, accuracy or security of third-party services.

18. Account Name Validation

Where available, Hardal may validate bank account details using an approved third-party verification provider before publication.

Account name validation is intended to improve confidence in published information.

However:

• account ownership may change;
• banks may change validation responses;
• institutions may update records;
• accounts may subsequently be closed or reassigned.

Accordingly, account validation represents a point-in-time verification only.

Users must always confirm the recipient account name displayed by their own banking application immediately before completing any transfer.

19. Impact Stories

Some ministries may publish impact stories describing projects, activities or outcomes made possible through charitable giving.

Impact stories:

• are submitted by ministries;
• may include text, photographs or videos;
• represent the views of the submitting ministry;
• are not independently audited unless expressly stated.

Publication of an impact story does not constitute endorsement or verification of every statement contained within it.

20. Projects and Events

Hardal may list ministry projects and events including, for example:

• building projects;
• missionary campaigns;
• educational initiatives;
• conferences;
• worship gatherings;
• seasonal campaigns;
• charitable programmes.

Information regarding projects and events is provided for informational purposes only.

Dates, locations, funding needs and other details may change without notice.

Users should confirm relevant information directly with the ministry where appropriate.

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21. Suggestions

Users may recommend ministries for inclusion in Hardal.

Submitting a suggestion does not guarantee:

• publication;
• verification;
• review within any particular timeframe.

Hardal may:

• decline suggestions;
• merge duplicate submissions;
• request additional information;
• contact the submitter for clarification.

22. Error Reports

Users are encouraged to report inaccurate information.

Examples include:

• incorrect bank accounts;
• incorrect websites;
• outdated branches;
• duplicate listings;
• inactive ministries;
• incorrect phone numbers;
• incorrect addresses.

Hardal appreciates community assistance but does not guarantee that every report will result in a change.

Reports may require independent verification before action is taken.

23. User Responsibilities

You agree that you will not:

• submit false information;
• impersonate another person or organization;
• falsely claim authority over a ministry;
• attempt to manipulate verification status;
• upload malicious software;
• interfere with Platform security;
• attempt unauthorized access;
• scrape or systematically extract Platform data without written permission;
• use automated tools that negatively affect Platform performance;
• interfere with another user's use of Hardal;
• use Hardal for unlawful purposes.

Violation of these Terms may result in suspension or permanent removal.

24. Intellectual Property

Unless otherwise stated, Hardal owns or licenses:

• website design;
• software;
• source code;
• databases;
• trademarks;
• branding;
• original written content;
• graphics;
• icons;
• user interface elements.

Ministry names, logos and trademarks remain the property of their respective owners.

Their appearance on Hardal is intended solely to identify the relevant ministry.

Nothing in these Terms transfers ownership of any intellectual property.

25. Licence to Hardal

Where you submit content to Hardal—including ministry information, impact stories, photographs, logos (where you have authority to provide them), comments, suggestions, or reports—you grant Hardal a worldwide, non-exclusive, royalty-free licence to host, reproduce, adapt, publish, display and distribute that content solely for the purpose of operating, improving and promoting the Platform.

You represent that you have the necessary rights or permissions to submit such content.

If you submit content on behalf of a ministry, you represent that you are authorized to do so.

26. Disclaimer of Warranties

Hardal is provided on an "AS IS" and "AS AVAILABLE" basis.

To the fullest extent permitted by applicable law, Hardal makes no representation or warranty, express or implied, regarding:

• the completeness of any listing;
• the continued accuracy of published information;
• uninterrupted availability of the Platform;
• the availability of any ministry;
• the financial integrity of any ministry;
• the continued validity of any bank account;
• compatibility with any device;
• absence of technical errors;
• absence of typographical errors;
• absence of interruptions;
• absence of malicious third-party activity.

Although Hardal applies reasonable verification procedures before publishing information, no verification process can guarantee that published information will remain accurate indefinitely.

Users acknowledge that ministries, financial institutions and third parties may change information without prior notice.

27. Important Transfer Disclaimer

PLEASE READ THIS SECTION CAREFULLY.

Hardal exists solely to publish information intended to help users identify official ministry giving channels.

Hardal does not initiate, authorize, verify, route, receive, approve or process financial transactions.

Every transfer is completed entirely through the user's chosen banking institution or payment provider.

Before confirming any transfer, users must independently verify all payment information displayed by their banking application.

In particular, users must confirm that:

• the account number entered is correct;
• the bank selected is correct;
• the account name displayed by their banking institution matches the intended ministry or organization;
• the transfer amount is correct.

The account name returned by the user's banking application is the final confirmation of the intended recipient.

If the displayed account name differs from the expected recipient, users should immediately stop the transaction and independently verify the correct account details with the ministry before proceeding.

Failure to perform this verification is solely the responsibility of the user.

28. Limitation of Liability

To the fullest extent permitted under applicable law, Hardal, its owners, officers, employees, contractors, volunteers, affiliates and representatives shall not be liable for any direct, indirect, incidental, consequential, special, exemplary or punitive damages arising out of or relating to:

• use of the Platform;
• inability to access the Platform;
• reliance on published information;
• inaccurate ministry information;
• outdated listings;
• typographical errors;
• publication delays;
• account changes made by ministries after verification;
• suspension or removal of listings;
• third-party service failures;
• banking network failures;
• payment provider outages;
• internet failures;
• force majeure events;
• unauthorized access to user accounts caused by compromised user credentials;
• technical failures beyond Hardal's reasonable control.

Without limiting the foregoing, Hardal shall not be responsible for losses arising from:

• entering an incorrect account number;
• selecting the wrong bank;
• authorizing payment to an unintended recipient;
• failing to verify the account name displayed by a banking institution;
• cancelled transfers;
• delayed bank settlements;
• duplicate transfers;
• banking application errors;
• financial institution errors;
• fraudulent activity by third parties outside Hardal's control.

Nothing in these Terms excludes liability that cannot lawfully be excluded under applicable law.

29. Ministry Content

Hardal provides a platform through which ministries may submit information relating to their organizations.

Ministries remain solely responsible for:

• descriptions;
• impact stories;
• project updates;
• event information;
• branch information;
• submitted bank accounts;
• photographs;
• logos;
• supporting documentation.

Publication by Hardal does not constitute endorsement of any statement made by a ministry.

30. User Reliance

You acknowledge that:

• you use Hardal entirely at your own discretion;
• you remain responsible for all giving decisions;
• you are responsible for verifying recipients before completing any transfer;
• Hardal cannot supervise transactions conducted outside its Platform;
• Hardal does not guarantee the conduct of listed organizations.

31. Indemnification

You agree to indemnify, defend and hold harmless Hardal, its owners, officers, employees, contractors and affiliates from and against any claims, losses, liabilities, damages, costs and expenses (including reasonable legal fees) arising from:

• your breach of these Terms;
• your misuse of the Platform;
• information submitted by you;
• your infringement of another person's rights;
• fraudulent activity conducted through your account;
• unauthorized use of your credentials resulting from your failure to maintain account security.

32. Suspension and Termination

Hardal reserves the right to suspend or terminate access to the Platform, with or without notice, where it reasonably believes that a user has:

• violated these Terms;
• submitted fraudulent information;
• attempted unauthorized access;
• compromised Platform security;
• abused Platform features;
• impersonated another individual or ministry;
• engaged in unlawful conduct.

Termination may include:

• suspension of accounts;
• revocation of ministry claims;
• removal of submitted content;
• disabling administrative access.

33. Removal of Listings

Hardal may remove or suspend any listing where it reasonably believes:

• information is inaccurate;
• ownership cannot be verified;
• fraud is suspected;
• legal obligations require removal;
• continued publication may expose users to harm.

Removal of a listing does not constitute a finding of wrongdoing by the ministry concerned.

34. Intellectual Property Complaints

If you believe content published on Hardal infringes your intellectual property rights, you may contact:

info@givehardal.com

Your notice should include:

• identification of the material;
• evidence of ownership;
• contact information;
• an explanation of the alleged infringement.

Hardal may remove disputed material while the matter is investigated.

35. Availability of the Platform

Hardal does not guarantee uninterrupted access.

Maintenance, upgrades, security incidents or events beyond our control may temporarily affect availability.

Hardal may suspend services where necessary to protect users or maintain Platform integrity.

36. Privacy

Your use of Hardal is also governed by our Privacy Policy.

Where these Terms conflict with the Privacy Policy regarding data processing, the Privacy Policy shall prevail with respect to personal information.

37. Changes to the Platform

Hardal may:

• introduce new features;
• discontinue existing features;
• modify verification procedures;
• redesign the Platform;
• change eligibility requirements;
• add or remove supported ministry categories.

We may do so without prior notice where reasonably necessary.

38. Changes to these Terms

Hardal may update these Terms from time to time.

Material changes will become effective upon publication on the Platform unless a different effective date is stated.

Continued use of Hardal after updated Terms become effective constitutes acceptance of those changes.

39. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to conflict of law principles.

40. Dispute Resolution

The parties shall first attempt to resolve any dispute through good-faith discussions.

If a dispute cannot be resolved amicably, it shall be submitted to the courts of competent jurisdiction in Nigeria, unless applicable law requires otherwise.

Nothing in this section prevents Hardal from seeking urgent injunctive or equitable relief where necessary to protect its rights, users or Platform.

41. Force Majeure

Hardal shall not be liable for failure or delay in performing its obligations where such failure results from events beyond its reasonable control, including but not limited to:

• natural disasters;
• acts of government;
• civil unrest;
• labour disputes;
• internet failures;
• telecommunications outages;
• cyber attacks;
• widespread banking failures;
• power outages;
• epidemics or pandemics.

42. Severability

If any provision of these Terms is found to be unlawful, invalid or unenforceable, the remaining provisions shall continue in full force and effect.

43. Entire Agreement

These Terms, together with the Privacy Policy and any additional policies expressly incorporated by reference, constitute the entire agreement between you and Hardal concerning your use of the Platform.

44. Contact Us

If you have questions regarding these Terms, please contact us at:

Hardal

Email: info@givehardal.com

Acknowledgement

By accessing or using Hardal, you acknowledge that you have read, understood and agreed to be bound by these Terms of Service.

Appendix A – User Safety Notice

Hardal is an informational directory designed to help users identify official ministry giving channels.

Before completing any bank transfer, every user should:

1. Verify the bank selected.
2. Verify the account number entered.
3. Carefully review the account name displayed by their banking application.
4. Confirm that the displayed account name matches the intended ministry.
5. Contact the ministry directly if there is any uncertainty.

Hardal does not process payments and cannot reverse completed transfers.

Users remain solely responsible for authorizing payments through their chosen financial institution.