Terms of Service

By accessing or using JoyFund, you agree to be bound by these Terms of Service. If you are using the platform on behalf of a hospital, organisation, or other legal entity, you represent and warrant that you have the authority to bind that entity to these terms.

JoyFund serves several categories of users, each with specific responsibilities and obligations:

• DonorsIndividuals who create JoyFund campaigns for celebrations (birthdays, weddings, graduations, etc.) or contribute to existing campaigns.
• Social WorkersVerified professionals responsible for identifying, enrolling, and verifying the vulnerability of beneficiaries in accordance with our eligibility criteria.
• Hospital PartnersHealthcare facilities that accept JoyFund vouchers. This includes Hospital Administrators who manage staff accounts and Receptionists who validate care vouchers at the point of care.
• System AdministratorsPlatform overseers responsible for ensuring the integrity, security, and smooth operation of the fund.

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 unauthorised use of your account.

JoyFund campaigns are intended to pool community resources for maternal healthcare and emergency medical assistance. By making a donation, you agree that:

• 1Donations are made voluntarily and, once processed, are non-refundable and non-reversible.
• 2Donations are processed via third-party mobile money providers (MTN MoMo, Orange Money). Any carrier-specific transaction fees are the responsibility of the donor and will be applied at the point of payment.
• 3Fund Allocation: 95% of every donation is allocated directly to the People's Health Insurance Fund (PHIF) to pay for care vouchers. The remaining 5% is retained for platform maintenance, SMS gateway operations, and fraud prevention systems.
• 4Campaign descriptions, images, and other content must be truthful, accurate, and must not infringe upon any third-party intellectual property rights, privacy rights, or applicable laws.

JoyFund employs a secure digital voucher system to ensure that every contribution reaches its intended purpose—verified healthcare services:

• Vouchers are issued via SMS to beneficiaries whose eligibility has been verified by social workers and partner hospitals.
• Vouchers have no cash value and cannot be exchanged for currency, transferred, or sold. They are redeemable exclusively at partner hospitals for specific maternal health or emergency care services.
• Verification PIN: Each beneficiary is assigned a unique 4-digit PIN. Care is confirmed and funds are released to the hospital only after the patient provides this PIN to the receptionist, confirming receipt of services.
• Any attempt to manipulate, forge, or collude to defraud the voucher system will result in immediate termination of access, forfeiture of funds, and referral to applicable law enforcement authorities.