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📜 Official Legal Document

Terms of Service

By using the SAPEO platform, you agree to these terms. Please read them carefully.

📅 Last updated : February 27, 2026

📋 Table of Contents

1. Purpose and scope 2. Acceptance of terms 3. Service description 4. Registration and user account 5. Fundraising campaigns 6. Donations and payments 7. Pricing and fees 8. Intellectual property 9. Liability 10. Prohibited conduct 11. Termination and suspension 12. Amendments to Terms 13. Governing law and disputes 14. Contact

📋 Table of Contents

  1. Purpose and scope
  2. Acceptance of terms
  3. Service description
  4. Registration and user account
  5. Fundraising campaigns
  6. Donations and payments
  7. Pricing and fees
  8. Intellectual property
  9. Liability
  10. Prohibited conduct
  11. Termination and suspension
  12. Amendments to Terms
  13. Governing law and disputes
  14. Contact

1. Purpose and Scope

These Terms of Service ("Terms") govern your access to and use of SAPEO, a crowdfunding platform accessible at www.sapeo.org, operated by ASSISTROVIA LLC (trading as SAPEO, 2705 Cardenas Dr NE, Albuquerque, NM 87110, USA).

These Terms apply to any individual or legal entity ("User") who accesses the Platform, whether as a visitor, campaign creator ("Creator") or donor ("Donor"). By accessing the Platform, you acknowledge having read these Terms and agree to be bound by them.

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2. Acceptance of Terms

Use of the Platform constitutes full acceptance of these Terms, formalized when you: ✅ create a user account; ✅ publish a fundraising campaign; ✅ make a donation; ✅ continue browsing beyond simple consultation. If you do not accept these Terms, please stop using the Platform.

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3. Service Description

SAPEO is a crowdfunding platform that allows Creators to publish fundraising campaigns for personal, charitable, or entrepreneurial projects, and Donors to contribute financially through secure Stripe payments. SAPEO acts as a technical intermediary and does not guarantee campaign success or how funds are used.

🌟 Our commitment: SAPEO charges 0% commission on all campaigns. Only Stripe banking fees (~1.5%) apply.
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4. Registration and User Account

To create an account, you must be at least 18 years old, provide accurate information, hold a valid email address, and accept these Terms. You are solely responsible for the security of your credentials and must immediately notify SAPEO of any unauthorized use. Creators must complete KYC verification to withdraw funds.

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5. Fundraising Campaigns

Creators must provide accurate, honest descriptions and may only use media they own rights to. SAPEO reserves the right to moderate, suspend or remove campaigns that violate these Terms, including fraudulent, hateful or illegal campaigns.

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6. Donations and Payments

Payments are processed by Stripe. All donations are final and irrevocable except in cases of verified technical error or fraud. Donors receive an automatic receipt by email. An optional tip for SAPEO can be added during payment.

⏳ First Campaign — Withdrawal Conditions

  • 🕒 14-day minimum waiting period from the first donation received before initiating any withdrawal;
  • 📊 Minimum 5% of the goal must be collected to initiate the first withdrawal;
  • 💤 Inactivity exception: if less than 5% is collected and no donation is received for 20 consecutive days, withdrawal of available funds may be initiated regardless.
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7. Pricing and Fees

💚 SAPEO — 0% Commission

SAPEO charges no commission on funds raised. Stripe processing fees (~1.5%) apply per transaction. Withdrawals are free.

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8. Intellectual Property

The Platform and all its content are the exclusive property of SAPEO and protected by intellectual property laws. By publishing content, Creators grant SAPEO a non-exclusive, worldwide license to use that content for campaign promotion purposes.

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9. Liability

SAPEO shall not be liable for temporary service interruptions, data loss, fraudulent use of funds by Creators, or indirect damages. Creators are solely responsible for the legality of their campaigns and the use of collected funds.

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10. Prohibited Conduct

⛔ Publishing fraudulent or misleading content
⛔ Impersonating another person or entity
⛔ Money laundering activities
⛔ Harassment or threats toward other users
⛔ Attempting to hack or compromise platform security
⛔ Collecting personal data without consent
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11. Termination and Suspension

Users may delete their account at any time from profile settings or by emailing sapeo@sapeo.org. SAPEO may suspend or delete any account for violations, fraud, authority requests, or prolonged inactivity (over 24 months).

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12. Amendments to Terms

SAPEO may modify these Terms at any time. Changes will be notified by email, in-app notification, and on next login. Continued use of the Platform after notification constitutes acceptance of updated Terms.

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13. Governing Law and Disputes

These Terms are governed by the laws of the State of New Mexico (United States). Disputes shall first be resolved amicably; failing that, they are subject to the exclusive jurisdiction of the courts of New Mexico. Users may also contact the FTC or the BBB for dispute resolution.

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14. Contact

📧
General
sapeo@sapeo.org
⚖️
Legal
legal@sapeo.org
🔒
Security
security@sapeo.org
💬
WhatsApp
+1 (418) 476-7254
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💜 Sapeo

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Reg. No. : EIN 98-1865451
2705 Cardenas Dr NE Albuquerque, NM 87110, États-Unis
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© 2026 Sapeo. Tous droits réservés.
Sapeo est une marque exploitée par Assistrovia LLC — Reg. No. EIN 98-1865451 — 2705 Cardenas Dr NE Albuquerque, NM 87110, États-Unis.
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