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Terms & Conditions

A legal disclaimer

​

Effective Date: June 1, 2025

Welcome to Grace & Mercy IPMF ("the Organization," "we," "us," or "our"). These Terms & Conditions ("Terms") govern your use of our services, website, and any associated platforms (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.

1. About Grace & Mercy IPMF

Grace & Mercy IPMF is a [Insert brief description of your organization's mission and primary activities, e.g., "non-profit organization dedicated to providing financial assistance and investment education to underserved communities." or "faith-based organization focused on community development and responsible financial stewardship."]. We offer [List your core services, e.g., "investment programs, financial literacy workshops, and community outreach initiatives."].

2. Acceptance of Terms

By accessing or using our Services, you affirm that you are of legal age to enter into this agreement in your jurisdiction and that you accept these Terms. If you are using the Services on behalf of an entity, you represent that you have the authority to bind that entity to these Terms.

3. Eligibility

Our Services are intended for individuals and entities who meet our eligibility criteria. [Clearly define your eligibility criteria, e.g., "Participants in our investment programs must be at least 18 years old and meet specific income or residency requirements." or "Membership is open to individuals who subscribe to our mission and principles."] We reserve the right to refuse service to anyone at our sole discretion.

4. Our Services

Grace & Mercy IPMF provides [Reiterate and elaborate on your specific services. Be as precise as possible, e.g., "investment opportunities structured as [describe structure, e.g., 'mutual funds', 'ethical investments', 'endowments'], financial counseling, educational seminars, and online resources."]. Details of each service, including any associated fees, risks, and specific terms, will be provided separately and may require additional agreements.

5. Financial Information and Risks

  • No Financial Advice: Grace & Mercy IPMF does not provide personalized financial, investment, tax, or legal advice. Any information provided through our Services is for general informational and educational purposes only. You should consult with a qualified professional for advice tailored to your specific situation.

  • Investment Risks: All investments carry inherent risks, including the potential loss of principal. Past performance is not indicative of future results. We do not guarantee any specific returns on investments. You acknowledge and accept the risks associated with any investment programs you participate in through Grace & Mercy IPMF.

  • Transparency: We are committed to transparency regarding our financial operations. [Consider adding a statement about how you ensure transparency, e.g., "Our financial statements are audited annually and available upon request."]

6. User Accounts

  • Account Creation: To access certain Services, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

  • Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account. We are not liable for any loss or damage arising from your failure to protect your account information.

7. Donations and Contributions

If you make donations or contributions to Grace & Mercy IPMF, you agree that:

  • All donations are voluntary and non-refundable, unless otherwise explicitly stated or required by law.

  • You will provide accurate payment information.

  • We will use donations in accordance with our mission and charitable objectives.

8. User Conduct

You agree to use our Services in a lawful and respectful manner. You agree not to:

  • Violate any applicable laws or regulations.

  • Engage in any fraudulent, deceptive, or misleading activities.

  • Impersonate any person or entity.

  • Interfere with or disrupt the integrity or performance of our Services.

  • Transmit any viruses, malware, or other harmful code.

  • Attempt to gain unauthorized access to our systems or user accounts.

9. Intellectual Property

All content on our Services, including text, graphics, logos, images, audio clips, video clips, data compilations, and software, is the property of Grace & Mercy IPMF or its content suppliers and protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services without our prior written consent.

10. Privacy Policy

Your use of our Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy [Insert link to your Privacy Policy here] to understand our practices regarding the collection, use, and disclosure of your personal information.

11. Third-Party Links and Services

Our Services may contain links to third-party websites or services that are not owned or controlled by Grace & Mercy IPMF. We are not responsible for the content, privacy policies, or practices of any third-party websites or services. Your interactions with third parties are solely between you and the third party.

12. Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. GRACE & MERCY IPMF DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL GRACE & MERCY IPMF, ITS DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (I) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES; (II) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES; (III) ANY CONTENT OBTAINED FROM THE SERVICES; AND (IV) UNAUTHORIZED ACCESS, USE OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

14. Indemnification

You agree to defend, indemnify, and hold harmless Grace & Mercy IPMF and its licensees and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password; b) a breach of these Terms; or c) any content posted by you on the Service.

15. Termination

We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the Services will immediately cease.

16. Governing Law and Dispute Resolution

These Terms shall be governed and construed in accordance with the laws of New Jersey where Grace & Mercy IPMF is registered, e.g., "the State of New Jersey"], without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or the Services shall be resolved through [Choose one or more: "binding arbitration in accordance with the rules of the American Arbitration Association," "mediation," or "the courts located in Hawthorne New Jersey". You agree to submit to the personal jurisdiction of such courts for the purpose of litigating all such claims.

17. Changes to These Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least [e.g., "30 days' notice"] prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised terms.

18. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

19. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on the Services, shall constitute the entire agreement between you and Grace & Mercy IPMF concerning the Services.

20. Contact Us

If you have any questions about these Terms, please contact us:

Grace & Mercy IPMF

graceipmf@hmail.com

Important Considerations and Next Steps:

  1. Legal Review: This is the most crucial step. You MUST have a lawyer review and customize these Terms & Conditions. They will ensure compliance with financial regulations (SEC, state securities laws, etc., if applicable), non-profit regulations, data privacy laws (e.g., GDPR if you serve individuals in the EU, CCPA in California), and general contract law.

  2. Specific Services: Be extremely clear and precise about the financial services or investment opportunities you offer. The more detailed you are, the better.

  3. Risk Disclosure: For any investment programs, comprehensive risk disclosures are paramount. Your lawyer will help you craft these to meet regulatory requirements.

  4. Jurisdiction: Ensure the governing law and dispute resolution clauses accurately reflect where your organization is based and where disputes would legally be handled.

  5. Privacy Policy: Make sure you have a robust Privacy Policy linked and consistently updated.

  6. Accessibility: Consider making your Terms & Conditions easily accessible on your website or through your platforms.

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