1. Purpose of Donations

Donations to Bull Bear Stock are voluntary contributions made to support our mission of creating high-quality blog content, educational resources, and financial market analysis. Your donations help us maintain and improve our platform, develop new features, and provide free educational content to our community.

All donations are used to support blog content creation, platform maintenance, and operational costs. We are committed to transparency about how donations are used.

2. Non-Commercial Nature

Donations made to Bull Bear Stock are pure donations and do not constitute a purchase of goods or services. By making a donation, you acknowledge that:

• You are making a voluntary, charitable contribution to support our operations
• No goods or services are provided in exchange for your donation
• You will not receive any preferential treatment, access, or benefits based on your donation amount
• Your donation is a gift and does not create any contractual obligation on our part to provide specific content or services

While we may acknowledge donations (anonymously, unless you consent otherwise), such acknowledgment does not constitute a service or product.

3. Tax Treatment

Donations to our company (SRL - Societate cu Răspundere Limitată) are NOT tax-deductible in Romania.

As a Romanian limited liability company (SRL), we are not a registered non-profit organization or charity under Romanian law. Therefore:

• Donations made to us are not eligible for tax deductions in Romania
• We cannot provide tax receipts or documentation for tax deduction purposes
• If you are located outside Romania, please consult with your local tax authorities regarding the tax treatment of donations to foreign entities
• We recommend consulting with a qualified tax professional for advice specific to your situation

By making a donation, you acknowledge that you understand the tax implications and that you will not seek a tax deduction for your contribution.

4. Refund Policy

We understand that circumstances may change. Our refund policy is as follows:

• Full Refund Within 14 Days: If you request a refund within 14 days of your donation, we will process a full refund to your original payment method, no questions asked.
• Case-by-Case After 14 Days: Refund requests submitted more than 14 days after the donation date will be considered on a case-by-case basis. We may approve refunds for exceptional circumstances such as:
  • Duplicate or accidental donations
  • Technical errors during the donation process
  • Fraudulent transactions
  • Other compelling circumstances at our discretion
• Processing Time: Approved refunds will be processed within 5-10 business days to your original payment method. The exact time depends on your payment provider.
• Refund Requests: To request a refund, please contact us at stt.forcastt@gmail.com with your donation details (date, amount, and transaction ID if available).

5. Payment Processing

All donations are processed securely through Stripe, a PCI-compliant payment processor. We do not store your full credit card information on our servers.

• Stripe is PCI DSS Level 1 certified, the highest level of security certification for payment processors
• Your payment information is encrypted and handled securely according to industry standards
• We only store minimal payment information necessary for processing refunds and transaction records (transaction IDs, amounts, dates)
• By making a donation, you agree to Stripe's terms of service and privacy policy
• We reserve the right to refuse or cancel donations that we believe may be fraudulent, unauthorized, or violate these terms

If you have any concerns about payment security, please contact us before making a donation.

6. No Warranties or Guarantees

By making a donation, you acknowledge and agree that:

• Your donation is voluntary and made at your own discretion
• We do not guarantee that specific content, features, or services will be created, maintained, or provided as a result of your donation
• We are not obligated to continue operating the platform or producing content
• The quality, frequency, or nature of our content may change at any time
• We do not provide any warranties, express or implied, regarding the use of your donation or the outcomes it may support

Your donation is a gift to support our mission, not a purchase of services or a guarantee of future deliverables.

7. Dispute Resolution

These Terms are governed by and construed in accordance with Romanian law. Any disputes arising from or relating to donations shall be resolved as follows:

• Contact Support First: Before initiating any formal dispute resolution, please contact us at stt.forcastt@gmail.com to discuss your concern. We are committed to resolving issues amicably.
• Jurisdiction: Any legal proceedings shall be subject to the exclusive jurisdiction of the courts of Romania, unless otherwise required by mandatory law
• Applicable Law: Romanian law governs all aspects of these terms, including but not limited to contract formation, validity, interpretation, and enforcement
• Venue: In the event of litigation, the competent courts of Romania shall have exclusive jurisdiction

8. Data Processing

When you make a donation, we collect and process certain personal information for the purposes described in these Terms. For comprehensive details about how we collect, use, store, and protect your personal data, including your rights under GDPR and other data protection laws, please refer to our Privacy Policy.

By making a donation, you consent to our processing of your personal data in accordance with our Privacy Policy and applicable data protection laws, including the General Data Protection Regulation (GDPR) where applicable.

9. Changes to Terms

We reserve the right to update or modify these Donation Terms & Conditions at any time. Changes will be effective immediately upon posting on this page. Material changes will be indicated by updating the "Last updated" date at the top of this page.

• Notification Process: For significant changes, we may notify donors via email (if you have provided an email address) or through a notice on our website
• Continued Use: Your continued use of our donation platform after changes are posted constitutes acceptance of the updated terms
• Previous Donations: Changes to these terms do not affect donations made prior to the effective date of the changes
• Your Rights: If you do not agree with any changes, you may choose not to make further donations

We encourage you to review these terms periodically to stay informed about how donations are governed.

10. Contact Information

If you have any questions, concerns, or requests regarding these Donation Terms & Conditions, please contact us:

For general inquiries, technical support, or refund requests, please use the email address above. We aim to respond to all inquiries within 2-3 business days.

11. Acknowledgment

By making a donation through our platform, you acknowledge that:

• You have read and understood these Donation Terms & Conditions
• You understand that donations are not tax-deductible in Romania
• You understand that no goods or services are provided in exchange for your donation
• You agree to be bound by these terms
• You understand that donations are voluntary and you are under no obligation to donate

12. Relationship to General Terms

These Donation Terms & Conditions are specific to donations and supplement (but do not replace) our general Terms of Service. In case of any conflict between these Donation Terms and our general Terms of Service regarding donations, these Donation Terms shall prevail.

For matters not specifically addressed in these Donation Terms, please refer to our general Terms of Service.