End-User Terms of Service

These Terms of Service (the "Terms" or this "Agreement") govern your access to and use of the ChurchPlan mobile application, web application, administrative portals, dashboards, and related digital services (collectively, the "Platform") provided by ChurchPlan Inc. ("ChurchPlan", "we", "our", or "us").

By creating an account, accessing or using the Platform, or clicking, tapping, or otherwise indicating your acceptance of these Terms, you acknowledge that you have read, understood, and agreed to be bound by this Agreement.

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

1. Definitions and Interpretation

The following defined terms apply throughout this Agreement. Where a term is defined in both this section and in the ChurchPlan Privacy Policy or Master Service Agreement, the definition in this section governs for the purposes of these Terms.

2. Purpose and Relationship

2.1 Purpose

ChurchPlan enables churches, Charities, and faith-based organizations to manage digital interaction with their communities — including donations, events, volunteering, livestreams, announcements, messaging, attendance, education, family participation, and related administrative functions — through branded or shared applications powered by ChurchPlan. Each Client Church is assigned a unique church-specific download link to be used exclusively by its members.

2.2 Nature of Relationship

ChurchPlan is a technology platform provider only. ChurchPlan does not operate any Church, collect tithes on behalf of clergy, manage pastoral care, control theological content, supervise ministry operations, or assume responsibility for a Church's legal, financial, safeguarding, or administrative obligations. Each Church remains solely responsible for its teachings, communications, ministries, Activities, Personnel, safeguarding, financial stewardship, receipting decisions, and compliance with applicable law.

2.3 Interaction with Churches

When you join, follow, interact with, donate to, or otherwise engage with a Church through the Platform, you are interacting directly with that Church. ChurchPlan provides the technology that facilitates such interaction but is not a party to any contractual, charitable, spiritual, pastoral, or other relationship between you and that Church.

2.4 No Agency or Partnership

Nothing in this Agreement creates any agency, partnership, joint venture, fiduciary, or trust relationship between ChurchPlan and any Church, or between ChurchPlan and any User. ChurchPlan acts solely as an independent technology provider.

2.5 Administrative Access and Control

The Platform may provide administrative portals, dashboards, and tools that allow Churches to manage their operations. Where a User is granted administrative permissions by a Church, such access is granted solely by and on behalf of that Church — not by ChurchPlan. The Authorized Administrator role is assigned exclusively by the Client Church, which may grant, modify, or revoke that designation for any individual at any time and as many times as it requires.

When a Church subscribes to ChurchPlan through the online Standard Agreement flow, the individual completing the subscription is automatically designated as the initial Authorized Administrator with full, unrestricted access to the Platform. This is a necessary technical step that enables the Church to configure the system and assign roles to other users. At this stage, the Platform typically contains no sensitive member or donor data. The Client Church is responsible for reviewing and adjusting access designations as part of its setup process and as its operational needs evolve.

Each Church remains solely responsible for: assigning and revoking Authorized Administrator access rights; ensuring only authorized Personnel are granted such access; all actions taken by its Authorized Administrators; appropriate internal controls and training; and compliance with all applicable laws in connection with the use of Personal Information. Administrative actions performed by an Authorized Administrator are deemed to be actions performed on behalf of the relevant Church.

Authorized Administrators who misuse their access rights — including by exporting, selling, or disclosing member data without authorization — may face personal criminal consequences. See Section 9.7 for details.

2.6 Rare and Exceptional Circumstances

In exceptional circumstances — including church mergers, leadership disputes, safeguarding concerns, disciplinary investigations, or competing assertions regarding account affiliation — ChurchPlan may temporarily restrict access, pause certain features, freeze data transfers, or take other reasonable technical measures to preserve data integrity, user safety, legal compliance, or continuity of service.

3. Eligibility and User Accounts

3.1 Account Creation and Consent

By creating an account and using the Platform, you consent to the collection, use, and processing of your Personal Information by ChurchPlan and by the Churches with which you interact, in accordance with this Agreement and the ChurchPlan Privacy Policy. The purposes for which Personal Information is collected are described in the Privacy Policy. ChurchPlan may verify your identity through third-party services or by requesting additional information in connection with payment processing compliance, fraud prevention, or applicable regulatory requirements.

3.2 Minimum Age

You must be at least 13 years old, or the minimum age of digital consent in your jurisdiction, whichever is higher, to create or independently manage an account. If you are under the age of majority in your jurisdiction, you may use the Platform only with the consent of a Parent/Guardian where required by law.

3.3 Family and Youth Profiles

The Platform may permit Parents/Guardians to create, link, manage, or administer family, household, youth, or dependent profiles for minors or other family members participating in Church activities. By managing a family account or relationship on the Platform, you represent and warrant that: (a) you have the authority to act on behalf of each family member or minor you add; (b) all information you provide about such individuals is accurate, current, and lawfully shared; (c) any required parental or guardian consent has been obtained; and (d) your use of such features complies with applicable law and Church requirements. Parents/Guardians remain solely responsible for supervising and approving the activity of linked minors or dependants.

3.4 Account Accuracy

You must provide truthful, accurate, and complete information and keep that information reasonably current. You must not impersonate another person, misrepresent your affiliation with a Church, or create false, misleading, or duplicate accounts for improper purposes.

3.5 Security and Credentials

You are responsible for maintaining the confidentiality and security of your login credentials and for all activity that occurs under your account, except to the extent caused by ChurchPlan's own breach of this Agreement or applicable law. ChurchPlan will never ask you for your password. You must notify support@churchplan.com promptly if you suspect unauthorized access to or use of your account.

3.6 Multiple Churches

You may join, interact with, or participate in more than one Church through the Platform. Different Churches may maintain different practices, rules, permissions, content standards, privacy notices, or administrative requirements.

3.7 Account Deletion

Users may delete their account at any time through any of the following methods: (a) the ChurchPlan mobile application using the in-app account deletion feature in account settings; (b) the dedicated account deletion web page at https://www.churchplan.com/delete-account, which is available to both registered Users and Guests without contacting ChurchPlan support; or (c) by contacting support@churchplan.com. Upon deletion, the User's access to the Platform will be terminated and the account will be scheduled for removal from active systems.

Deletion of a User account does not necessarily require the deletion of all associated records. Certain information may be retained by the relevant Church and, where applicable, by ChurchPlan where retention is required or permitted by law or for legitimate operational purposes. Such retained information may include donation records, tax receipts, attendance and event records, consent and safeguarding documentation, and any records required for legal, tax, accounting, or regulatory compliance. Where technically feasible and legally permitted, retained records may be anonymized, archived, or restricted from further active use.

Deletion of a User account does not automatically delete records maintained by individual Churches, which remain under the control of the applicable Church as an independent data controller. Users may contact the relevant Church directly regarding records retained by that Church. Data retention practices are further described in the Privacy Policy.

4. Payment Processing

4.1 Payment Providers

All donations, event payments, and other financial transactions made through the Platform are processed through secure third-party payment providers. ChurchPlan currently uses Stripe as its sole payment processor; Stripe supports multiple payment methods including credit and debit cards, ACH/EFT direct bank debit, Apple Pay, and Google Pay. For jurisdictions not currently served by Stripe, ChurchPlan may use an alternative payment processor and will notify the relevant Client Church accordingly. Payments are processed in the currency configured by the Organizing or Recipient Church. If your payment account is denominated in a different currency, your financial institution may apply a currency conversion and charge associated fees — these are charged by your bank or card issuer, not by ChurchPlan, and ChurchPlan is not responsible for them. ChurchPlan: (a) does not store or have access to full credit card numbers, CVV codes, or full bank account credentials; (b) does not act as a bank, money transmitter, payment intermediary, trustee, or custodian of funds; and (c) does not receive, hold, settle, or distribute charitable donations or event fees on behalf of Churches. Except where another flow is explicitly disclosed, funds move directly from the User, through the applicable payment provider, to the Recipient Church.

Client Churches that accept donations or process payments through the Platform establish a direct account relationship with ChurchPlan's payment processor — currently Stripe, its sole processor — as part of the ChurchPlan onboarding process. For jurisdictions not currently served by Stripe, ChurchPlan may engage an alternative processor and will notify the relevant Client Church prior to activation. This direct relationship is independent of these Terms and is governed by the payment processor's own terms of service, which the Client Church must accept before payment processing features are activated. ChurchPlan is not a party to that agreement and is not responsible for the processor's terms, practices, or decisions.

4.2 Chargebacks and Disputes

If you submit a chargeback, payment dispute, or similar claim through your card issuer or payment provider: (a) the relevant Church may be notified; (b) the Church is responsible for responding and managing the dispute; and (c) fraudulent, abusive, or bad-faith chargebacks may result in suspension or restriction of donation or payment privileges, subject to applicable law. ChurchPlan is not responsible for the outcome of any chargeback or dispute and generally does not communicate directly with card issuers on behalf of Users. In limited circumstances — including duplicate submissions, suspected fraud, or technical malfunction — ChurchPlan may provide technical assistance (logs, timestamps, metadata) to the relevant Church or payment processor. ChurchPlan is not financially responsible for the outcome of such incidents, does not reimburse Users, and is not required to adjudicate financial disputes between Users and Churches.

4.3 Payment Processing Costs

All donations made through the Platform are processed by third-party payment providers. Payment processors charge fees for their services. These fees are borne entirely by the Recipient Church as part of its cost of receiving donations through the Platform and are not charged to, or deducted from, the amount donated by you. The same applies to event ticket and registration payments: ChurchPlan adds no platform fee, service charge, or booking fee to any event transaction — only third-party payment processor fees apply, and these are borne entirely by the Organizing Church.

Payment processing costs are a standard operating cost of accepting payments in any form — comparable, for example, to the per-item banking fees a Church incurs when depositing donated cheques. ChurchPlan does not introduce a net-new category of cost; it provides a digital payment infrastructure whose costs are in the same category as the Church's existing banking and payment administration expenses. Where Churches enable ACH or EFT direct bank debit as a payment method, processing fees for those transactions are typically lower than card interchange fees, and in some cases lower than standard cheque deposit fees under certain banking plans. The Church determines which payment methods to make available to its donors and participants, and is responsible for understanding the applicable fee structure for each method through its agreement with the relevant payment processor.

The amount you choose to donate or pay for an event ticket is the full amount of your payment. ChurchPlan does not add fees, surcharges, or deductions to any transaction made by end users. The manner in which each Church manages payment processing costs is solely within the Church's discretion and is governed by the Church's agreement with ChurchPlan.

4.4 Transaction Errors and Unauthorized Payments

A transaction "Error" means: (a) an incorrect amount was debited or credited to your account compared to what you authorized through the Platform; (b) a transaction submitted through the Platform is missing from or not properly identified in your transaction history; or (c) ChurchPlan made a computational or mathematical error in connection with processing your transaction.

The following are not Errors, and ChurchPlan is not responsible for them: (a) you gave someone else access to your account credentials and they transacted without your knowledge; (b) a chargeback, reversal, or refund dispute — these are handled under Section 4.2; (c) delays caused by the banking system, payment processor, or factors outside ChurchPlan's control; (d) transaction delays resulting from security reviews or holds applied by the payment processor; or (e) mistakes in a transaction caused by your own input (for example, entering the wrong donation amount).

If you believe a transaction Error has occurred, notify ChurchPlan as soon as possible by contacting support@churchplan.com with your name, account email, a description of the suspected Error, and the transaction amount and date. ChurchPlan will investigate and, if the Error is determined to be solely ChurchPlan's fault, will use reasonable efforts to correct it — for example, by coordinating with the relevant Church or payment processor to adjust the transaction. Correction of a confirmed ChurchPlan Error is your sole and exclusive remedy for that Error. ChurchPlan is not responsible for any indirect, consequential, or incidental losses arising from a transaction Error, including bank fees or insufficient funds charges.

5. Donations

5.1 Nature of Donations

Donations made through the Platform are voluntary contributions made directly to the selected Recipient Church. The Recipient Church is solely responsible for: receiving and administering donations; determining how donations are used; and maintaining appropriate financial and accounting records. ChurchPlan does not control or direct how donated funds are used.

5.2 Platform Role in Charitable Contributions

ChurchPlan provides technology tools that enable Churches and Charities to accept donations and manage related records. ChurchPlan does not solicit donations on behalf of any Church, does not act as a charitable fundraising agent, commercial fundraiser, trustee, or financial intermediary for charitable funds, and does not hold or control donated funds. Except where otherwise explicitly disclosed, donations are processed directly by the applicable third-party payment processor and transferred directly to the Recipient Church. ChurchPlan does not verify the charitable status, regulatory compliance, or internal governance of any Church using the Platform.

5.3 Recurring Donations

Where recurring donations are enabled, Users may configure donations to occur on a recurring basis. Changes apply to future scheduled transactions processed after the change is saved. To guarantee a change or cancellation takes effect before a specific scheduled transaction, you must submit the change at least five (5) business days before the scheduled processing date. If a modification or cancellation is submitted after the applicable cutoff, the next scheduled transaction may still be processed. Recurring donations may be modified or cancelled through your account settings or by contacting the Recipient Church directly.

5.4 Donation Refund Policy

All donation refund requests must be directed to the Recipient Church. ChurchPlan: (a) cannot reverse, cancel, or refund donations; (b) cannot access or return donated funds; (c) cannot override a Church's decision regarding a donation; and (d) is not financially responsible for donation errors, misunderstandings, or disputes. The Recipient Church is solely responsible for handling donation refund requests.

5.5 Donation Records and Retention

The Platform may record and maintain information relating to donations, including transaction details, donor information, receipt data, and related records. Such records are maintained by the Recipient Church and, where applicable, by ChurchPlan for purposes including financial reporting, tax receipting, fraud prevention, and regulatory compliance. Donation records may be retained for the period required by applicable law, including tax, accounting, and regulatory requirements, even if a User deletes their account. Users acknowledge that donation records may remain accessible to the issuing Church for compliance purposes, independently of their account status.

5.6 Guest Donations

You may make a donation through the Platform without creating a ChurchPlan account or having any existing affiliation with a Church. As a Guest donor, you are required to provide only the minimum information necessary to complete the donation and, where applicable, to issue a tax receipt: your name, email address, and home mailing address (where required by applicable tax law for charitable receipting purposes).

The following applies to Guest donations:

• Payment is processed by the applicable third-party payment processor. ChurchPlan does not add any platform fee, service charge, or convenience fee to Guest donations.
• A tax receipt, where issued, will be sent to the email address you provide and will be accessible through the OTP-authenticated Guest interface. The Recipient Church is the legal issuer of the receipt and is solely responsible for its content and compliance.
• You do not need to create a ChurchPlan account to donate as a Guest. However, you may choose to convert to a full account at any time to retain your donation history and access receipts more conveniently.
• The Recipient Church is the Data Controller for your donation information and is responsible for its handling, retention, and use. ChurchPlan processes your information on the Church's behalf as a Data Processor.
• Guest donation records — including tax receipts — are subject to the Recipient Church's legal retention obligations and may be retained for the period required by applicable tax and accounting law, even if you subsequently request deletion of your information.
• To request deletion of your Guest information, visit https://www.churchplan.com/delete-account or contact privacyofficer@churchplan.com. Note that issued tax receipts and financial records may be retained for the legally required period regardless of a deletion request.
• The zero-platform-fee commitment in Section 4.3 applies equally to Guest donations. Only third-party payment processor fees apply, and these are borne by the Recipient Church as an operating cost.

6. Tax Receipts

6.1 Automated Tax Receipt Generation and Delivery

The Platform may include automated tools that enable Churches to generate, store, display, and deliver donation receipts based on transaction data and Church-configured settings. You acknowledge and agree that: (a) automated receipts are generated based on information, settings, legal identifiers, signature files, and receipting preferences configured by the issuing Church; (b) ChurchPlan does not verify whether a donation is legally eligible for a receipt; (c) ChurchPlan does not verify the accuracy, completeness, legality, or tax sufficiency of receipt contents; and (d) ChurchPlan does not guarantee successful delivery, receipt, storage, or retention of any automated receipt. The issuing Church remains solely responsible for determining whether a donation qualifies for a receipt, ensuring compliance with applicable laws, reviewing receipt accuracy, and maintaining legally required records. Any questions regarding the validity or legal sufficiency of a receipt must be directed to the issuing Church.

6.2 Tax Receipt Global Compliance

Recipient Churches are solely responsible for issuing official tax receipts in compliance with the laws applicable in their jurisdiction, including the IRS (United States), the CRA (Canada), the ATO (Australia), HMRC (United Kingdom), local EU authorities, and any other competent authority. Each Church is solely responsible for compliance with its own requirements regarding donor eligibility, receipting rules, valuation rules, charitable registration, and issuer identification. ChurchPlan does not verify the charitable, tax-exempt, or legal status of any Church or Charity.

6.3 Authorized Signatures on Tax Receipts

The upload, maintenance, accuracy, authenticity, authority, and legal sufficiency of any signature appearing on a tax receipt are the sole responsibility of the issuing Church or Charity. ChurchPlan does not verify signatures, does not certify authority or legality, does not monitor whether a signatory remains authorized, and assumes no liability for invalid, expired, incorrect, unauthorized, or legally insufficient signatures.

6.4 Multi-Location Churches and Operating Names

Where a tax receipt displays a branch name or operating name, such name is provided for identification or branding purposes only and does not create a separate legal entity or separate legal issuer unless the Church's legal structure expressly provides otherwise. The registered legal entity associated with the applicable charitable registration number remains the sole legal issuer of the receipt. ChurchPlan does not determine the legal issuer of any receipt.

6.5 Donation Tickets and Split Receipting

Where a portion of an event payment represents a charitable contribution eligible for receipting, the Organizing Church or Recipient Church is solely responsible for: determining the fair market value of any participation benefit (the "Advantage"); calculating the eligible charitable portion; ensuring compliance with all applicable charity and tax laws; and issuing lawful donation receipts. ChurchPlan provides only the technical infrastructure enabling such configurations and does not determine the eligibility or legal validity of any receipted amount.

6.6 Instant Receipts vs. Annual Consolidated Receipts

Depending on the Church's configuration, either an individual receipt may be generated for each donation, or an annual consolidated receipt or statement may be generated summarizing contributions during a specified period. The issuing Church alone determines which receipting method it uses. ChurchPlan provides the technical tools used to generate, display, store, and deliver receipts but does not itself issue tax receipts.

6.7 Tax Treatment Disclaimer

Users acknowledge that: (a) tax deductibility is determined solely by applicable tax authorities (e.g., IRS, CRA, ATO, HMRC); (b) ChurchPlan does not determine or guarantee tax treatment; and (c) users are responsible for consulting their own tax advisors if needed.

7. Event Payments (Non-Donation Transactions)

7.1 Event Registrations and Payments

Payments for events, registrations, services, trips, classes, products, or similar items are not donations unless expressly characterized as such by the relevant Church in compliance with applicable law. Such payments do not automatically qualify for tax receipting. With respect to event payments, ChurchPlan: (a) facilitates payment routing and related technical workflows only; (b) does not determine pricing, payment terms, refund eligibility, cancellation rules, or event conditions; (c) does not issue refunds; and (d) is not responsible for disputes between a User and a Church relating to fees, cancellations, event delivery, or refund decisions.

7.1.1 Zero Platform Ticketing Fee

ChurchPlan does not charge any platform fee, service fee, booking fee, or convenience fee on event ticket sales or event registrations processed through the Platform. The only fees that may apply to event transactions are those charged directly by the applicable third-party payment processor for processing the payment (such as credit card transaction fees). These payment processing fees are borne by the Organizing Church as part of its cost of administering the event and are not added to or deducted from the ticket price set by the Organizing Church at the point of purchase by the attendee. The price you pay for an event registration or ticket is the price set by the Organizing Church — ChurchPlan adds nothing to it.

7.1.2 Guest Event Participants and Named Guests

The Platform supports two types of event participation that do not require a full ChurchPlan account or Church membership:

(a) Guest ticket purchasers: An individual with no ChurchPlan account and no Church affiliation may purchase an event ticket by providing their name and email address only. No account creation is required. The Guest may authenticate via a one-time password (OTP) sent to their email to view or manage their booking. The Guest may cancel an eligible booking in accordance with the Organizing Church's refund policy, and may convert to a full ChurchPlan account at any time without loss of their booking history. The zero-platform-fee commitment in Section 7.1.1 applies equally to Guest ticket purchases — only third-party payment processor fees apply, and these are borne by the Organizing Church.

(b) Named guests on an existing reservation: A registered User or Guest ticket purchaser may add one or more additional named participants to their reservation (each, a "Named Guest"). The account holder is responsible for providing accurate information for each Named Guest and represents that they have the authority or consent to provide that information. Named Guests are not ChurchPlan users, do not have Platform accounts, and cannot independently manage, access, or delete their own event registration records. Requests relating to a Named Guest's information must be submitted by the account holder who created the reservation or directed to the Organizing Church, which is the Data Controller for Named Guest information.

Guest and Named Guest event data is held by the Organizing Church as an independent Data Controller. ChurchPlan processes such data on the Church's behalf as a Data Processor. Guest event records — including registration details, attendance, and safety records — are subject to the Organizing Church's legal retention obligations and may be retained for the period required by applicable law, including insurance, safeguarding, and regulatory requirements.

7.2 Pricing and Payment Terms

Event pricing, participation fees, and payment terms are determined solely by the Organizing Church. ChurchPlan does not set or control event pricing.

7.3 Events Refund Policies

Refund policies for event registrations are determined solely by the Organizing Church. Event-related payments may be refundable only if: (a) the relevant Church enables a cancellation or refund option; (b) the User requests cancellation within any applicable deadline; and (c) the Church approves the refund in accordance with its own policies. Any refund is made by or on behalf of the Church, not by ChurchPlan.

7.4 Event Cancellations

If an event is cancelled, postponed, or modified, the Organizing Church is responsible for determining any refund or rescheduling policy. ChurchPlan is not responsible for losses resulting from cancelled or modified events.

7.5 Event Participation Records

The Platform may record participation information such as registration status, attendance, and participation details. Such records are maintained by the Organizing Church and may be retained for administrative, insurance, legal, or safeguarding purposes.

8. Cross-Church Profile Transfers, Event Participation and Donation Data Sharing

ChurchPlan enables Users to engage with multiple Churches while supporting privacy, transparency, and purpose-limited sharing. This Section governs the sharing of information between Churches through the Platform.

8.1 Voluntary Profile Transfer Between Churches

8.1.1 User-Initiated Transfer and Consent

You may voluntarily transfer your profile from your Home Church or Originating Church to another Client Church using the Platform's designated transfer feature. By initiating a transfer, you provide express consent to ChurchPlan transmitting the profile information and Personal Information reasonably necessary to establish or continue your account relationship with the Receiving Church.

8.1.2 Scope of Transfer and Non-Transferable Records

A transfer may include profile data, contact information, family associations, ministry involvement, and permissions. The following records ordinarily remain with the Originating Church and are not transferred: (a) historical donation records; (b) issued tax receipts; (c) internal Church messages; (d) internal notes or Church-only administrative annotations; and (e) financial, compliance, safeguarding, or audit-related history.

8.1.3 Change of Data Controller

Once a transfer is completed, the Receiving Church becomes the data controller for your active profile and future activity associated with that Church. The Originating Church remains the data controller with respect to records it lawfully retains.

8.1.4 Withdrawal, Security, and Disputed Ownership

You may cancel a pending transfer before completion where the Platform permits. Once completed, a transfer is not automatically reversible, but a transferred User retains the option to initiate a subsequent transfer back to their original Church or to another Church at any time, subject to the same transfer conditions. A new Digital ID is issued by the receiving Church each time a transfer takes place. Transfers are protected using industry-standard encryption and are logged for audit purposes. If two or more Churches dispute profile affiliation, ChurchPlan may temporarily restrict access or pause the disputed transfer until resolved.

8.1.5 Notification

Where reasonably practicable, you will receive an in-app, email, or comparable confirmation upon completion of a transfer.

8.2 Participation in Events Hosted by Other Churches

When you register for an event organized by a Church other than your Home Church, you consent to the sharing of information reasonably necessary for registration, administration, logistics, attendance tracking, safety, and related event management. Shared information may include your name, contact information, emergency contact details, age group, family-linked participant details, payment or registration status, consent status, and any medical, allergy, or accessibility information you voluntarily provide. An Organizing Church may not use event-shared data for unrelated marketing, solicitation, or recruitment without additional consent.

8.3 Donations to Other Churches Through the Platform

By completing a donation to a Church other than your Home Church, you authorize ChurchPlan to share with the Recipient Church the information reasonably necessary to process, record, acknowledge, and receipt the donation, including your name, email address, donation amount, currency and date/time, transaction identifiers, payment method type, and mailing address where required by applicable law. Recipient Churches may use your donation-related information solely to receive and record the contribution, issue lawful receipts, maintain legally required records, and send donation-related communications.

8.4 Safeguards and Accountability

Cross-Church data flows are protected by reasonable technical and organizational safeguards, including encryption and audit logging. Only purpose-specific information is intended to be shared. ChurchPlan does not sell Personal Information. Each receiving Church is independently responsible for its own handling, security, retention, and lawful use of data once received. ChurchPlan's responsibility for a transfer is limited to secure processing and delivery through the Platform.

8.5 User Rights

Subject to applicable law and technical feasibility, Users may: (a) view and download portions of their activity history; (b) update profile information, subject to Church-specific controls; (c) request correction of inaccurate information through the relevant Church or ChurchPlan support; (d) request deletion of an account, subject to legal retention obligations; (e) continue accessing donation receipts from Churches previously supported; and (f) transfer an active profile to another Church using the designated Platform process. Full data rights and procedures are described in the Privacy Policy.

9. Acceptable Use and Community Conduct

9.1 Community Standards

You agree to use the Platform in a respectful, lawful, and community-appropriate manner consistent with the intended purposes of the Platform and the values of the participating communities.

9.2 Prohibited Activities

You must not:

• harass, threaten, bully, abuse, defame, or discriminate against others;
• upload obscene, illegal, violent, hateful, infringing, or otherwise unlawful material;
• spam Users or misuse Church communications;
• misuse donations or payment features for fraud, money laundering, or unauthorized purposes;
• interfere with, probe, scrape, overload, reverse engineer, or compromise the Platform;
• misuse family, attendance, consent, QR, or digital ID features;
• impersonate another person or Church representative; or
• upload or distribute content you do not have the right to use.

9.3 Group Chats and Livestreams

Where chat, comment, or livestream features are available, you are responsible for your conduct and content. Churches and ChurchPlan may moderate, remove, or restrict content or participation where appropriate.

9.4 Reporting Abuse

You may report unsafe, abusive, unlawful, infringing, or otherwise problematic conduct through any available in-app reporting feature or by contacting safety@churchplan.com. ChurchPlan may, where appropriate, refer matters to the affected Church or to law enforcement.

9.5 Disciplinary Measures

ChurchPlan or a Church may issue warnings, remove content, suspend features, restrict access, or terminate accounts for violations of this Agreement, Church policies, or applicable law.

9.6 Administrative Misuse

If you are granted Authorized Administrator access to the Platform by your Client Church, you must use such access solely for authorized Church purposes. You must not: (a) access, modify, or export data without proper authorization; (b) misuse Personal Information, including data relating to donors, members, families, or minors; (c) bypass permission controls or access restrictions; (d) perform unauthorized refunds, cancellations, or financial actions; or (e) use administrative tools in a manner that violates applicable law or Church policies. ChurchPlan may suspend or restrict Authorized Administrator access for violations of this section.

If you are designated as an Activity Supervisor for a specific Activity by an Authorized Administrator of your Church, you must use your access to participant data solely for the administration and supervision of that Activity. You must not: (a) export, share, retain, or repurpose participant data beyond the purpose of managing the relevant Activity; (b) use contact information obtained through your supervisor access to solicit, market to, or communicate with participants outside the context of that Activity without separate authorization from the Church; or (c) retain any downloaded participant list after the Activity has concluded. Your access to Platform data for that Activity expires automatically when the Activity expires and is removed from active Platform listings. ChurchPlan may suspend or restrict Activity Supervisor access for violations of this section.

For the consequences of criminal data misuse by Authorized Administrators and Activity Supervisors — including unauthorised export, sale, or disclosure of participant data — see Section 9.7.

9.7 Unauthorised Data Export, Sale, and Criminal Consequences

The unauthorised export, sale, transfer, disclosure, or commercial exploitation of Personal Information obtained through the Platform — including member lists, donor contact details, family data, or any other data accessed through administrative or user-level functions — is a serious breach of these Terms and, independently of these Terms, may constitute a criminal offence under applicable law.

Applicable criminal and regulatory provisions include, without limitation: (a) Canada — Criminal Code ss. 342.1 and 430 (unauthorized use of computer and mischief to data); PIPEDA and the Consumer Privacy Protection Act (wilful contravention); (b) United States — Computer Fraud and Abuse Act (exceeding authorized access to obtain data); applicable state privacy laws including CCPA/CPRA (intentional violations); (c) European Union and United Kingdom — GDPR Article 83(5) (intentional violations); criminal liability under national implementing legislation; (d) Australia — Privacy Act 1988 s.13G (serious interference with privacy); Criminal Code Act 1995 (unauthorized access to data). Authorized Administrators and Activity Supervisors — each designated solely by their Client Church, not by ChurchPlan — may face personal criminal liability independently of any liability of the Client Church. End users who exceed their permitted access level may face the same consequences.

ChurchPlan maintains immutable administrative access logs recording the identity of the user who initiated any data export, the timestamp, data fields included, number of records, and originating IP address and device. These logs constitute contemporaneous records of authorized access and will be provided to law enforcement agencies, regulatory authorities, and courts in connection with any investigation of data misuse.

Any claim that an unauthorized data export constitutes a "data breach" attributable to ChurchPlan — where the export was in fact initiated by an authenticated and authorized user of the Platform — is factually incorrect and may itself constitute fraud, making a false statement, or obstruction of justice under applicable law. ChurchPlan will actively assist any competent authority investigating such a claim and will make audit log evidence available for that purpose.

If you become aware of, witness, or suspect any unauthorized export, sale, or misuse of Platform data by any person — including an Authorized Administrator — you are encouraged to report it immediately to safety@churchplan.com and to the relevant law enforcement or data protection authority.

9.8 Fraud Awareness

ChurchPlan and the churches using the Platform will never ask you to send money urgently on behalf of a leader, request your password or full payment credentials by email or phone, or pressure you to make an immediate payment outside the Platform. Be alert to the following warning signs of fraud:

• Requests to send money or make donations on behalf of someone else, even if the request appears to come from a familiar name or church leader — always verify through a separate, trusted channel before acting.
• Unsolicited emails, text messages, or calls claiming to be from ChurchPlan or your Church and asking you to confirm account details, click a link, or provide payment information. ChurchPlan will never ask for your password.
• Urgent or high-pressure requests to donate to a cause, emergency, or individual — legitimate churches and charities will not pressure you to give immediately or threaten consequences for not responding.
• Suspicious links in messages that appear to come from ChurchPlan or a Church — always navigate to churchplan.com directly rather than clicking links in unsolicited communications.
• Requests to pay via wire transfer, gift card, or cryptocurrency in connection with a church donation or event — ChurchPlan only processes payments through its supported payment methods.

If you suspect fraud involving the Platform, report it immediately to safety@churchplan.com and to the relevant Church. You may also report suspected scams to your national consumer protection authority.

10. Privacy and Data Protection

10.1 Privacy Policy

ChurchPlan collects, uses, stores, and shares Personal Information in connection with the operation of the Platform. The full details of how Personal Information is handled — including the categories of data collected, legal bases for processing, purposes of use, data retention periods, subprocessor disclosures, cookie practices, and jurisdiction-specific rights — are set out in the ChurchPlan Privacy Policy, which forms an integral part of this Agreement and is incorporated herein by reference.

https://www.churchplan.com/privacy-policy

By using the Platform, you acknowledge and agree to the Privacy Policy. If you do not agree with the Privacy Policy, you must not use the Platform.

Authorized Administrators accessing the Platform on behalf of a Client Church are also subject to the ChurchPlan Master Service Agreement, which governs the B2B relationship between ChurchPlan and subscribing churches and includes data processing obligations applicable to Client Churches. The Master Service Agreement is available at https://www.churchplan.com/master-service-agreement.

10.2 Controllers and Processors

ChurchPlan acts as: (a) a Data Processor for Personal Information controlled by Churches; and (b) an independent Data Controller for limited Platform operations, security, analytics, and compliance purposes. Each Church acts as an independent Data Controller with respect to its own members, donors, and community. Churches remain solely responsible for their own privacy law compliance, including obtaining required consents, responding to data subject requests within their control, and maintaining appropriate security practices for administrative access.

For Guests: The Organizing Church is the Data Controller for all Personal Information collected from Guests in connection with that Church's Events and Activities — including ticket purchasers and Named Guests. ChurchPlan processes Guest data as a Data Processor acting on behalf of the Organizing Church. ChurchPlan does not use Guest data for its own purposes beyond the secure operation of the Platform.

10.3 Legacy Data Import

Churches may import Personal Information about their existing members, donors, or community into the Platform from prior records, legacy systems, or other databases in connection with their subscription to ChurchPlan. ChurchPlan processes such imported data on the Church's behalf as a Data Processor only. The importing Church is solely responsible for ensuring that: (a) it has a lawful basis under applicable privacy law to transfer and process the imported data through the Platform; (b) all individuals whose data is imported have been notified, or that notification is not required under applicable law; and (c) the import does not violate any applicable law, regulation, or third-party right. ChurchPlan does not independently verify the lawfulness of data imports and does not assume any liability arising from data imported by a Church without the knowledge or consent of the affected individuals. If you believe your Personal Information has been imported into ChurchPlan by a Church without your knowledge or consent, you should contact the relevant Church directly as the Data Controller. If you are unable to resolve the matter with the Church, you may contact privacyofficer@churchplan.com and ChurchPlan will provide reasonable assistance. You may also submit a deletion request by visiting https://www.churchplan.com/delete-account, subject to any lawful retention obligations of the Church.

10.4 Your Privacy Rights

Subject to applicable law (including GDPR, PIPEDA, CCPA/CPRA, the Australian Privacy Act, and UK GDPR), you may have rights to: (a) access Personal Information held about you; (b) request correction of inaccurate data; (c) request deletion or restriction of processing; (d) withdraw consent where processing is consent-based; (e) request data portability; and (f) lodge a complaint with a supervisory authority in your jurisdiction. To exercise rights relating to data held by ChurchPlan, contact privacyofficer@churchplan.com. To exercise rights relating to data held by a specific Church, contact that Church directly. Full procedures and applicable timeframes are described in the Privacy Policy.

10.6 Guest Data Rights and Privacy

Guests who transact through the Platform without creating a full account retain the same data rights as registered Users to the extent applicable. Guests may: (a) access and download their donation receipts and event registration records through the OTP-authenticated interface; (b) request correction or deletion of their Personal Information by contacting privacyofficer@churchplan.com or the relevant Church directly; and (c) convert to a full User account at any time without loss of historical records. Retention of donation records and tax receipts issued to Guests is governed by the Privacy Policy and applicable law, regardless of a deletion request, to the extent retention is required for financial, tax, or audit compliance.

10.5 Data Breach Notification

ChurchPlan will investigate and respond to data security incidents affecting Personal Information within its control and will provide notifications as required by applicable law. Churches remain responsible for breaches within their own independently controlled systems and are required to notify ChurchPlan and affected individuals in accordance with applicable law.

11. Communications and Notifications

11.1 Consent to Communications

By creating an account or using the Platform, you consent to receive transactional, operational, administrative, and Church-related communications by email, SMS, push notification, in-app message, or similar channel, to the extent required to operate your account and deliver Platform services. Such communications include account notices, donation confirmations, tax receipts, event registrations, attendance records, safety notices, and support responses.

For non-transactional or promotional communications (including newsletters, marketing messages, fundraising appeals, or Church announcements), ChurchPlan and participating Churches rely on consent obtained separately at the time of collection, or as otherwise permitted by applicable law, including Canada's Anti-Spam Legislation (CASL). You may withdraw consent for non-essential communications at any time through your account settings or by following the unsubscribe instructions in any such communication, without affecting the lawfulness of prior processing.

11.2 Opt-Out

You may disable certain non-essential notifications through your device or account settings. Some transactional, operational, safety-related, legal, or administrative communications cannot be disabled where they are necessary for Platform operation or compliance.

11.3 Third-Party Messages

ChurchPlan is not responsible for the content, accuracy, legality, timing, or appropriateness of messages, announcements, alerts, or communications sent by Churches or their Personnel.

11.4 Livestream and Media Content

Activities and Church events may be photographed, recorded, streamed, or otherwise captured. Your participation may result in incidental appearance in such media, subject to applicable law and any opt-out processes made available by the Organizing Church.

11.5 Emergency Communications and Announcements

The Platform may provide tools that allow Churches to send alerts, announcements, schedule changes, closures, or other urgent notices. You acknowledge that: (a) such tools are provided solely as a convenience; (b) ChurchPlan is not an emergency notification service; (c) ChurchPlan does not monitor, verify, or validate the urgency or accuracy of such communications; and (d) ChurchPlan does not guarantee delivery, timing, visibility, or receipt of any emergency-related communication. You should not rely on the Platform as your sole source of emergency information.

12. Intellectual Property and Content Ownership

12.1 Ownership of the Platform

The Platform, including its code, software, databases, interfaces, designs, architecture, workflows, documentation, and related technology, is and remains the exclusive property of ChurchPlan and its licensors. No ownership rights are transferred to Users.

12.2 Trademarks and Brand Assets

ChurchPlan names, logos, marks, domain names, slogans, and related branding are owned by ChurchPlan or its licensors. No right or license to use ChurchPlan branding is granted except as expressly authorized in writing.

12.3 Ownership of Church Content

Each Church retains ownership of the content, branding, materials, teachings, announcements, events, settings, and media it uploads or configures. The Church grants ChurchPlan a limited, non-exclusive, worldwide, royalty-free license to host, store, process, display, and transmit such content solely as necessary to operate the Platform.

12.4 Ownership of User Content

You retain ownership of the content you submit to the Platform. By submitting such content, you grant ChurchPlan a limited, non-exclusive, worldwide, royalty-free license to host, store, display, and transmit it as necessary to operate, support, and improve the Platform and to provide requested services.

12.5 Restrictions on Use of Intellectual Property

You must not, directly or indirectly: (a) copy, reproduce, modify, adapt, translate, or create derivative works from the Platform; (b) reverse engineer, decompile, or disassemble any part of the Platform except where prohibited by law from restricting such activity; (c) bypass access controls or attempt unauthorized access; (d) sublicense, resell, or commercially exploit the Platform without authorization; (e) extract data, code, or structural elements using bots, scrapers, or automated tools; or (f) use the Platform or its content to build or support a competing service.

12.6 Artificial Intelligence and Machine Learning Prohibition

You must not, directly or indirectly, use any part of the Platform — including its user interfaces, screens, workflows, features, documentation, data outputs, or visual design — as input to any artificial intelligence, machine learning, large language model, generative AI, or similar automated system for the purpose of: (a) replicating, reverse-engineering, or recreating ChurchPlan's technology, features, or user experience; (b) generating competing software, applications, or services; or (c) circumventing ChurchPlan's intellectual property rights. This prohibition applies regardless of whether the use involves direct copying, screenshot analysis, visual or textual inference, or any other method by which a third-party AI system is used to derive insights from or reproduce ChurchPlan's proprietary work. ChurchPlan reserves all rights to pursue injunctive relief and damages for violations of this section.

12.7 Limited License to Use the Platform

Subject to your compliance with this Agreement, ChurchPlan grants you a limited, revocable, non-exclusive, non-transferable license to access and use the Platform for your personal, internal, and non-commercial use, except where a specific feature expressly contemplates another permitted use.

12.8 Feedback and Suggestions

If you submit feedback, suggestions, ideas, or enhancement requests, you agree that ChurchPlan may use, modify, implement, and exploit such feedback without restriction or compensation, and that such feedback is not confidential unless expressly agreed otherwise in writing.

12.9 Copyright Infringement and DMCA / Notice Procedure

If you believe content on the Platform infringes your rights, you may send a written notice to legal@churchplan.com including sufficient detail to identify the allegedly infringing material, your claimed rights, your contact information, and a good-faith statement supporting your claim. ChurchPlan may remove or disable access to content and take other appropriate action.

13. Security, Outages, and Force Majeure

13.1 Security Measures

ChurchPlan implements industry-standard technical and organizational security measures to protect the Platform and user data. These include 256-bit TLS encryption for data in transit, AES-256 encryption for data at rest, bcrypt password hashing, role-based access controls, automatic session expiry and invalidation, PCI-compliant payment processing through Stripe (ChurchPlan's current sole processor), which tokenizes all card and digital wallet transactions, automated daily backups, rate limiting on sensitive endpoints including login and email verification, sanitized file storage on dedicated cloud infrastructure, and audit logging of authenticated activity. ChurchPlan's infrastructure uses containerized deployments with automated health checks and real-time monitoring. ChurchPlan aligns its security controls with the SOC 2 framework. No security system is impenetrable — in the event of a breach affecting your Personal Information, ChurchPlan will notify you as required by applicable law.

13.2 User Responsibilities

You are responsible for using reasonably secure devices, maintaining current software where possible, protecting your credentials, and reporting lost devices, compromised credentials, or suspicious activity.

13.3 Service Interruptions

The Platform may be unavailable from time to time due to maintenance, upgrades, technical issues, cyber incidents, infrastructure failures, third-party outages, or other causes. Except where required by law, ChurchPlan is not liable for temporary unavailability or loss of access.

13.4 Force Majeure

ChurchPlan is not liable for any delay or failure resulting from causes beyond its reasonable control, including natural disasters, war, terrorism, labor disputes, public health emergencies, acts of government, utility or internet failures, cyberattacks, or third-party infrastructure failures.

13.5 Service Changes

ChurchPlan may modify, suspend, or discontinue features or services at any time, with or without notice, where permitted by law.

13.6 Administrative Security Responsibility

Churches are responsible for maintaining appropriate security practices for Authorized Administrator access, including safeguarding credentials, using secure devices, and promptly revoking access when no longer required. ChurchPlan is not responsible for unauthorized access resulting from compromised Authorized Administrator credentials or inadequate access controls implemented by a Church.

For the criminal consequences of unauthorized data export or misuse by Authorized Administrators, see Section 9.7.

14. Third-Party Services and Links

14.1 External Links

The Platform may contain links to external sites or services. ChurchPlan does not control and is not responsible for such third-party sites, services, content, or practices.

14.2 Integrations

Where the Platform integrates with third-party services, your use of those services may be subject to separate terms and policies. ChurchPlan is not responsible for third-party service availability, behavior, or legal compliance.

14.3 Third-Party Event Registration and Ticketing Platforms

Some Churches may post links within their ChurchPlan pages to third-party event registration, ticketing, or form platforms — including, without limitation, Ticketmaster, Eventbrite, Google Forms, or similar services. Clicking such a link takes you away from the ChurchPlan Platform entirely. Any registration, ticket purchase, payment, or Personal Information you provide on a third-party platform is governed exclusively by that platform's own privacy policy and terms of service — not by these Terms. ChurchPlan has no access to, no visibility into, and no responsibility or liability for any Personal Information collected, retained, used, shared, or disclosed by third-party platforms. The relevant third-party platform is the data controller for any information you provide on that platform.

14.4 External Donation Platforms

Some Churches may direct users to external charitable donation platforms — including, without limitation, PayPal, GoFundMe, Zeffy, CanadaHelps, or similar services — through which you may make contributions directly. Clicking such a link takes you away from the ChurchPlan Platform entirely. The following applies to donations made through external platforms:

• ChurchPlan has no access to, no visibility into, and no responsibility for any Personal Information, payment data, or donation records collected by external donation platforms.
• The external platform — not ChurchPlan and not the Church — is the data controller for any Personal Information you provide. Such information is governed exclusively by that platform's own privacy policy and terms of service.
• Donations made through external platforms are not processed by ChurchPlan and are not reflected in ChurchPlan's records. ChurchPlan cannot issue tax receipts for donations made outside the Platform. You should confirm directly with the Church or the external platform whether a receipt will be issued and whether it qualifies under applicable tax law.
• ChurchPlan's zero-platform-fee commitment and data processing obligations do not apply to transactions conducted on external donation platforms.

15. Disclaimer of Warranties and Limitation of Liability

15.1 No Guarantee of Outcomes

THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS TO THE MAXIMUM EXTENT PERMITTED BY LAW. ChurchPlan does not warrant that the Platform will be uninterrupted, error-free, secure, or fit for any specific purpose, or that donations, events, communications, receipts, or other outcomes will occur as expected.

15.2 Financial, Legal, and Spiritual Disclaimer

ChurchPlan provides technology only and does not provide financial advice, legal advice, tax advice, medical advice, spiritual advice, pastoral care, or theological guidance. Any such content originates from the relevant Church or third party.

15.3 Limitation of Liability

To the maximum extent permitted by law, ChurchPlan's aggregate liability arising out of or relating to the Platform or this Agreement shall not exceed the greater of: (a) CAD $500; or (b) the amount you paid directly to ChurchPlan, if any, for premium Platform features in the 12 months preceding the event giving rise to the claim.

15.4 Indirect Damages

To the maximum extent permitted by law, ChurchPlan shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of data, loss of goodwill, reputational harm, emotional distress, missed events, missed communications, lost donations, receipting issues, or other intangible losses. Nothing in this Agreement limits or excludes any rights or remedies that cannot be limited or excluded under applicable law, including consumer protection laws.

16. Termination and Suspension

16.1 User Termination

You may stop using the Platform, delete your own account, or request account deletion at any time.

16.2 ChurchPlan Termination

ChurchPlan may suspend, restrict, or terminate access where reasonably necessary due to violation of this Agreement, suspected fraud, abuse, security risk, repeated chargebacks, misuse of Platform features, unlawful conduct, or safety concerns.

16.3 Effect of Termination

Upon termination, your right to access the Platform ceases, but retained records may remain in accordance with legal, Church, audit, accounting, safeguarding, evidentiary, or operational requirements. Data retention following termination is governed by the ChurchPlan Privacy Policy.

16.4 Church Succession

If a Church discontinues service, merges, changes legal identity, or transfers operations to a lawful successor, associated Platform data may be retained, transferred to a successor entity, or anonymized, subject to applicable law and ChurchPlan's reasonable operational practices.

16.5 Church Contract Termination — Data Controller Responsibility and Retention

When a Church's subscription or service agreement with ChurchPlan ends, the following applies with respect to the data of individual Users affiliated with that Church:

• The Church remains the Data Controller for all member, donor, and community data it collected and managed through the Platform, both during the subscription and following termination. ChurchPlan's role as Data Processor for that data does not transfer to ChurchPlan upon termination.
• ChurchPlan will retain Platform data associated with the terminating Church for a period of ninety (90) days following the termination date to allow the Church to export its data using available administrative tools. After the export period, ChurchPlan will securely delete or anonymize Church data, except where legal obligations require longer retention.
• Donation records and tax receipts are retained by ChurchPlan independently for the statutory minimum period required by applicable tax and accounting law (typically seven years), regardless of Church termination, because ChurchPlan has independent legal retention obligations for financial transaction records.
• Individual Users' statutory data rights — including access, correction, deletion, and portability — must be directed to the Church as the Data Controller for the relevant records. ChurchPlan cannot fulfill data subject requests on behalf of a Church's own records after termination.
• If the Church dissolves, ceases operations, or is otherwise unable to respond to data subject requests, ChurchPlan will make reasonable efforts to respond to requests from affected individuals in respect of records retained in ChurchPlan's own systems, and will notify affected Users of the Church's termination where required by applicable law or where technically practicable.
• Users who wish to transfer their profile to another Church before their current Church's contract ends may do so using the Platform's profile transfer feature.

17. Platform Role, Activity Participation and Risk Acknowledgment

(Applicable to any Activity organized by any Church using the Platform)

17.1 Platform Role

ChurchPlan provides a digital platform that enables Churches to organize, administer, and manage Activities, including registrations, attendance tracking, communication, and related administrative functions. ChurchPlan is not the organizer, operator, supervisor, chaperone, employer, agent, or controller of any Activity and does not manage or control: event planning or execution; supervision of participants or volunteers; transportation arrangements; venue safety or conditions; safeguarding procedures or policies; or on-site decisions or conduct. All Activities are organized and conducted solely by the applicable Organizing Church, which retains full responsibility.

17.2 Responsibility of the Organizing Church

Each Organizing Church is solely responsible for: planning, organizing, and supervising Activities; ensuring appropriate staffing, supervision, and volunteer screening; implementing safeguarding, youth protection, and safety procedures; obtaining all required consents, waivers, and permissions; complying with all applicable laws and regulations; and responding to incidents, injuries, disputes, or claims arising from Activities. ChurchPlan does not verify or monitor a Church's compliance with these obligations.

17.3 Acknowledgement of Inherent Risks

You acknowledge that participation in Activities may involve inherent risks, including but not limited to: physical activity or exertion; travel or transportation; interaction with other participants; environmental or venue-related conditions; and unforeseen incidents or accidents. By registering for or participating in an Activity, you acknowledge these inherent risks.

17.4 Assumption of Responsibility by Participants

To the extent permitted by applicable law, you agree that: (a) your participation in Activities is voluntary; (b) you are responsible for your own conduct and decisions; and (c) you will follow the instructions, policies, and safety requirements of the Organizing Church. Nothing in this section limits any rights you may have under applicable consumer protection or negligence laws.

17.5 Limitation of ChurchPlan's Liability for Activities

To the maximum extent permitted by applicable law, ChurchPlan shall not be responsible or liable for any injury, loss, damage, or claim arising out of or related to: participation in any Activity; the acts or omissions of any Church, Personnel, volunteer, or participant; event organization, supervision, or execution; or any decision, policy, or conduct of an Organizing Church. This limitation applies except to the extent that such injury, loss, or damage is directly caused by ChurchPlan's own gross negligence, willful misconduct, or breach of this Agreement, where such limitation is not permitted by law.

17.6 No Guarantee of Safety or Identity Verification

The Platform may include tools such as digital member IDs, QR codes, check-in systems, and attendance tracking. You acknowledge that: (a) these tools are administrative and informational only; (b) ChurchPlan does not verify the identity of individuals presenting digital credentials; (c) ChurchPlan does not guarantee participant safety or security; and (d) such tools do not replace appropriate supervision, safeguarding, or verification procedures by the Organizing Church.

17.7 Medical and Emergency Situations

ChurchPlan does not provide medical services, emergency response, or on-site assistance. Any medical treatment, emergency response, or care provided during an Activity is arranged by the Organizing Church or third parties. You remain responsible for your own medical decisions and expenses, except where otherwise required by applicable law.

17.8 Transportation Disclaimer

ChurchPlan does not provide, arrange, or supervise transportation to or from any Activity under any circumstances. Transportation may be provided by the Organizing Church if expressly stated in the event description. ChurchPlan is not responsible for any transportation arrangements, travel-related incidents, or any delays, losses, or injuries occurring during travel.

17.9 Media and Recording Acknowledgement

Activities may be photographed, recorded, or livestreamed by the Organizing Church. Subject to applicable law and any opt-out mechanisms provided by the Church, you acknowledge that your image, voice, or likeness may be captured and used in connection with the Activity. ChurchPlan does not control or manage such recordings.

17.10 Minors and Parental Responsibility

Where a minor participates in an Activity: (a) a Parent/Guardian must provide any required consent; (b) the Parent/Guardian is responsible for ensuring compliance with applicable laws and Church requirements; and (c) the Organizing Church remains responsible for supervision, safeguarding, and youth protection. ChurchPlan does not verify parental authority, custody arrangements, or consent validity and may rely on information provided by Users and Churches. Nothing in this section limits any rights of minors under applicable law.

17.11 No Waiver of Non-Excludable Rights

Nothing in this Section excludes, limits, or modifies any rights or remedies that cannot be excluded under applicable law, including consumer protection or negligence laws.

18. Dispute Resolution and Governing Law

18.1 Informal Resolution

Before initiating formal proceedings, you agree to contact support@churchplan.com and attempt in good faith to resolve the issue informally where reasonably possible.

18.2 Arbitration and Class Action Waiver

Except where prohibited by applicable law, or where a User has a non-waivable right to bring a claim before a court or tribunal, disputes arising out of or relating to this Agreement or the Platform shall be resolved by binding individual arbitration in Ontario, Canada, in accordance with the applicable rules of the ADR Institute of Canada or a comparable arbitral body selected by ChurchPlan.

Each party waives any right to participate in a class action, class arbitration, or other representative proceeding to the fullest extent permitted by applicable law. Where a User is located in a jurisdiction whose mandatory laws prohibit arbitration, waiver of class proceedings, or require access to a specific court or supervisory authority (including EU member states, the United Kingdom, and Australia), those mandatory laws apply to the extent legally required, and nothing in this section limits any non-waivable statutory right.

Arbitration Opt-Out. Individual end users who do not wish to be bound by this arbitration agreement may opt out by sending a written notice to legal@churchplan.com within thirty (30) days of first accepting these Terms. Your notice must include your full name, the email address associated with your ChurchPlan account, and a clear statement that you are opting out of the agreement to arbitrate. If you opt out, any disputes between you and ChurchPlan that cannot be resolved informally will be resolved exclusively in the courts of Ontario, Canada, and you consent to the personal jurisdiction of those courts. Opting out of arbitration does not affect any other provision of these Terms. ChurchPlan will not penalize you in any way for exercising your opt-out right.

18.3 Governing Law

This Agreement is governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles.

18.4 Jurisdiction Outside Canada

If mandatory law in your jurisdiction grants you rights that cannot lawfully be waived or requires proceedings in another forum, those mandatory laws apply only to the extent legally required.

19. Cookies, Analytics, and Tracking

The Platform may use cookies and similar technologies for authentication, security, performance, and functionality. For full details, including how to manage these technologies, please refer to the Privacy Policy.

20. Community Health, Safety, and Emergency Reporting

20.1 Safeguarding Policy

If you witness or experience abuse, harassment, exploitation, unsafe conduct, grooming, or other concerning behavior facilitated through the Platform or associated with an Activity administered through the Platform, you should report it promptly to the relevant Church and, where appropriate, to safety@churchplan.com.

20.2 Emergency Situations

Where ChurchPlan becomes aware of information suggesting an imminent risk of serious harm, ChurchPlan may take reasonable steps, including contacting law enforcement, emergency services, child-protection authorities, or other appropriate authorities, subject to applicable law.

20.3 Minors and Vulnerable Users

ChurchPlan may cooperate with Churches and lawful authorities regarding safeguarding matters involving minors or vulnerable persons. Each Church remains solely responsible for its own supervision, screening, reporting, and safeguarding obligations.

21. Accessibility

ChurchPlan is committed to making the Platform accessible to users with disabilities. ChurchPlan works toward compliance with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA and applicable accessibility legislation, including the Accessibility for Ontarians with Disabilities Act (AODA) and, where applicable, the Americans with Disabilities Act (ADA), the European Accessibility Act, and equivalent legislation in other jurisdictions where the Platform is offered. If you encounter an accessibility barrier on the Platform, please contact support@churchplan.com and ChurchPlan will make reasonable efforts to provide the information or functionality in an accessible format.

22. Modifications and Updates

22.1 Changes to Agreement

ChurchPlan may amend these Terms from time to time. For material amendments — including changes to data handling, payment terms, dispute resolution, or limitation of liability — ChurchPlan will provide at least thirty (30) days' advance written notice by email to the address associated with your account and by prominent notice within the Platform. For non-material amendments (such as corrections, clarifications, or changes required by law), notice may be provided through the Platform or by other reasonable means with or without advance notice.

Continued use of the Platform after the effective date of an updated version constitutes acceptance of the revised Terms. If you do not accept a material amendment, you may terminate your account before the effective date by contacting support@churchplan.com. Prior versions of these Terms are archived and available upon request.

22.2 Version Control

Updated versions of these Terms may include a revised version number and effective date for reference.

23. Contact and Support

ChurchPlan Legal and Privacy Office 1200 Bay St. Suite 1201 Toronto, Ontario M5R 2A5 Canada Tel: 1-800-420-1140

Privacy Officer: privacyofficer@churchplan.com Support: support@churchplan.com Safety: safety@churchplan.com Legal: legal@churchplan.com Billing: billing@churchplan.com

24. Acknowledgement and Acceptance

By creating an account, accessing or using the Platform, joining a Church, registering for an Activity, submitting a consent, or making a payment or donation through the Platform, you acknowledge and agree that:

• you have read and understood this Agreement;
• you consent to the processing of your Personal Information as described in these Terms and the Privacy Policy;
• you understand and accept ChurchPlan's limited role as a technology provider;
• you understand that Churches remain independently responsible for their operations, communications, donations, safeguarding, receipting, Activities, and legal compliance; and
• you agree to be bound by these Terms.

ChurchPlan Inc. — End-User Terms of Service v2.0 © ChurchPlan Inc. All rights reserved.

Last updated: April 22, 2026