Impact Policy

1. Status and purpose

KindFinch Ltd is a UK private limited company registered in England and Wales under company number 17344448. It sells personalised digital cards and operates a separate company impact commitment known as the Kindness Fund. KindFinch Ltd is not presented as a registered charity, nonprofit organisation or government programme.

A customer payment is a purchase of digital content. It is not a charitable donation, is not presented as tax-deductible and does not create a trust or a right to direct support toward a chosen beneficiary.

2. Current target allocation

For eligible paid operations, the current target is:

• 80% of distributable proceeds allocated to the Kindness Fund; and
• 20% of distributable proceeds allocated to essential operations and delivery.

This is a company target rather than a charitable trust or guarantee. A material change will be dated and published clearly before or after it takes effect.

3. What distributable proceeds means

Short definition: distributable proceeds means net proceeds after payment-provider fees and applicable transaction taxes. The detailed calculation below also accounts for refunds, chargebacks and specified direct transaction costs.

Distributable proceeds means the net amount remaining from eligible card sales after payment fees, applicable taxes, refunds, chargebacks and the other specified direct transaction deductions described below. KindFinch Ltd will not describe the full gross sale price as though it were fully available for allocation.

The planned calculation is:

Eligible gross card sales − direct transaction deductions = distributable proceeds.

Illustrative examples

KindFinch may publish calculators or worked examples to help visitors understand the concept of distributable proceeds. These illustrations are not fixed payment-fee statements, accounting records, minimum allocations or guarantees. Actual reports will use verified sales, deductions and allocations.

4. Direct transaction deductions

Depending on the payment provider, customer location and transaction, direct deductions may include:

• payment-provider and card-processing charges;
• sales tax, VAT or similar transaction taxes where applicable;
• refunds, cancellations and duplicate-payment corrections;
• chargebacks, dispute fees and confirmed fraud losses;
• currency-conversion or cross-border transaction charges directly connected with the sale;
• unavoidable third-party delivery charges directly connected with fulfilling the digital order.

General owner withdrawals, dividends, unrelated personal costs and unsupported expenses will not be labelled as direct transaction deductions.

5. Payment-fee disclosure

Payments are processed through Stripe. Actual deductions may vary by card type, country, currency, tax, refunds, chargebacks and dispute status. KindFinch Ltd will report actual deductions rather than publishing a fabricated fixed net amount.

6. Permitted Kindness Fund uses

The Kindness Fund is intended for practical essentials such as:

• food, hygiene products and basic household supplies;
• essential utility or household bills;
• short-term shelter or emergency accommodation;
• urgent transport connected with safety, shelter or another essential need;
• other documented basic needs approved under the same verification principles.

7. Delivery methods

Support may be delivered through direct payment to a verified supplier, documented purchase of essential goods, a controlled or traceable voucher, or a verified local delivery partner. Unrestricted cash will not be treated as the default method. The chosen method will consider safety, fraud risk, practicality and recipient dignity.

8. Selection and verification

Support decisions are intended to be based on verified human need without discrimination based on race, religion, nationality, language, sex, disability or political belief. KindFinch Ltd may request proportionate evidence, consult trusted contacts or organisations, verify suppliers and apply anti-fraud checks.

No buyer, applicant, employee, director, shareholder or related person has an automatic entitlement to assistance.

9. Direct delivery and partner delivery

KindFinch Ltd may deliver support directly or work with local organisations, suppliers or delivery partners. A partner name or logo will only be published after proportionate checks, a documented relationship and permission to use the name or brand. Until those conditions are met, partner logos are intentionally not displayed on the main website. We will not imply endorsement by an NGO, charity, government body or international organisation where no such relationship exists.

10. No purchase-to-person tracing promise

Unless a specific campaign expressly states otherwise, eligible amounts are pooled. A buyer cannot choose a beneficiary, control support decisions or demand identifying proof about a recipient. A single card is not promised to fund one person, bill or household.

11. Recipient dignity and privacy

KindFinch Ltd will avoid publishing identifiable stories, photographs, medical details, financial hardship or other sensitive circumstances without an appropriate lawful basis and informed permission. Refusing publicity will not by itself make a person ineligible for support.

12. Conflicts of interest

Anyone involved in a support decision must disclose a personal, family, employment or financial connection with a proposed recipient, partner or supplier. Material conflicts will be recorded. A conflicted person will not make the final decision alone.

13. Records and internal controls

KindFinch Ltd intends to maintain records that connect eligible sales, direct deductions, distributable proceeds, allocations, approved support decisions and delivery evidence. Access to sensitive records will be limited to people who need it for operations, accounting, legal compliance or security.

14. Public reporting

After sufficient paid activity begins, the planned reporting cadence is:

• quarterly aggregate impact summaries; and
• an annual overview of the model and results.

Reports are intended to show cards delivered, eligible gross sales, direct deductions, distributable proceeds, Kindness Fund allocations, operational allocations, support categories, amounts delivered and amounts temporarily reserved. Figures may be adjusted for later refunds, disputes, accounting corrections or verification outcomes, with material adjustments explained.

15. Independent audit or assurance

KindFinch Ltd will not describe figures as audited, independently verified or assured unless a qualified independent party has actually completed an engagement. Where such work occurs, the identity of the reviewer, reporting period and scope of work will be disclosed.

16. Unused or reserved amounts

Amounts allocated to the Kindness Fund may be held temporarily while needs are verified, sufficient amounts are pooled, suppliers are checked, delivery is arranged or fraud concerns are investigated. Public reporting will distinguish, where practical, between amounts allocated, reserved and delivered.

17. Exceptional events and model changes

Fraud, refunds, payment-provider restrictions, legal obligations, tax changes, insolvency risk or another exceptional event may require KindFinch Ltd to pause allocations or revise future percentages. We will explain material changes transparently and will not retrospectively rewrite claims about earlier periods.

18. Complaints, corrections and questions

Questions or concerns about an impact claim, report, conflict of interest or calculation can be sent to info@kindfinch.com. Where a published figure is materially wrong, KindFinch Ltd intends to correct it and identify the reporting period affected.