Terms of service

1. Who we are and what BarakahPay is

BarakahPay is a software platform that helps UK mosques and Islamic charities collect, record and report donations. We provide hosted giving pages, kiosk software, a donation ledger, and tools that help you prepare Gift Aid and GASDS claims. These terms are a contract between BarakahPay and the charity (usually a mosque) that opens an account.

2. We never hold your money

All card donations are processed by Stripe under Stripe's own terms. Your mosque holds its own Stripe account, is the merchant of record, and receives donation payouts directly from Stripe into its own bank account. BarakahPay is not a payment institution, does not receive, hold or transmit donation funds, and is not a party to the donation between the donor and your charity.

3. Your data is yours — the portability guarantee

Your donor and Gift Aid records are yours; full export is available at all times. On every plan, including the free plan, you can export your complete donor list, donation ledger, declarations and claim history in standard CSV format from your settings, without asking us and without charge. If you close your account, this export remains available to you for at least 90 days afterwards. We will never delete your records during the life of your account except at your instruction or as the law requires, and we will never withhold your data to keep your business.

4. Fees and billing

Our subscription prices are published at barakahpay.co.uk/pricing and are charged per mosque, not per device. Card processing fees are set and charged by Stripe, not by us; we take no percentage of donations. If we change our prices, existing subscribers get at least 60 days' notice, and any change applies from your next billing period — never retrospectively.

5. Cancelling — no minimum term

There is no minimum term and no notice period. You can cancel from your settings page at any time; monthly plans end at the close of the paid month, and unused whole months on annual plans are refunded pro rata. We do not auto-renew you onto a new minimum term, and we do not charge cancellation fees.

6. Your responsibilities

You confirm that your organisation is a charity recognised in the UK (registered, excepted or exempt), that the information you give us and Stripe is accurate, and that your trustees remain responsible for the accuracy of any Gift Aid or GASDS claim submitted to HMRC. Our tools prepare claims from the records in your account; reviewing and submitting them is your charity's act.

7. Acceptable use

The platform may only be used for lawful charitable fundraising. We may suspend accounts used for anything else, for fraud, or where Stripe requires it — and where we do, clause 3 still applies: your data remains exportable.

8. Service and liability

We aim for the platform to be available continuously, and we publish service incidents openly. To the extent permitted by law, our liability under these terms is capped at the subscription fees you paid in the twelve months before the claim. Nothing in these terms limits liability that cannot lawfully be limited.

9. Changes to these terms

If we make a material change, we will email your account owner at least 30 days before it takes effect. If you don't accept the change, you can cancel under clause 5 before it applies.

10. Contact

Questions about these terms: pay@barakahpay.co.uk.