Neutrality Terms of Service

1. Algorithmic and content neutrality

CRCQL operates as a technology infrastructure provider. CRCQL does not endorse or evaluate the moral, political, social, or philosophical merit of personal or business campaigns. Organization campaigns are listed by CRCQL. Except where prohibited by applicable law, or restricted under Section 3, CRCQL will not restrict, suspend, de-platform, or alter the visibility of a personal or business campaign based on ideology, public controversy, political alignment, or third-party pressure.

2. Permitted content

Campaigns started by the public are Personal or Business. Organization campaigns are listed by CRCQL and are not a public signup. All campaigns complete identity documentation and meet anti-fraud requirements.

3. Prohibited campaigns

• Illegal activity under federal, state, or local criminal law where the campaign operates or funds are drawn.
• Terrorism, violent extremism, hate groups designated as such by law, or campaigns that solicit funds to commit violence or property destruction.
• Explicit fraud, identity falsification, or clear misrepresentation of how funds will be used.
• Unlawful goods and services, including unregulated narcotics, illegal weapons, human trafficking, or non-consensual sexually explicit content.

4. Payments and processor discretion

CRCQL uses third-party payment processors for card and bank donations. Those processors keep their own acceptable-use policies. If a processor declines a campaign, CRCQL is not liable for the disruption of card payments. On personal campaigns, donors can also send USDC directly to the organizer. If a processor declines a campaign that still complies with Section 3, CRCQL disables cards for that campaign and leaves the USDC path on. Business campaigns stay card/bank-only until smart-contract escrow is cleared for Pennsylvania licensing.

Personal USDC is non-custodial: CRCQL never holds the organizer's keys. A platform-held hot wallet is not used. This requires a money-transmitter license to transmit virtual currency for a fee on behalf of individuals.

5. KYC and escrow

Organizers must complete identity, banking, and AML verification before any bank disbursement. Business campaigns hold card pledges until the deadline: if the goal is met, pledges are captured and a 5% platform fee is taken; if not, pledges are never charged. Donors may add an optional tip to CRCQL at card checkout. Tips are extra on the charge and go to CRCQL, not the organizer. Crypto escrow for business all-or-nothing campaigns is not live. When it ships, those pledges are intended to sit in a non-custodial contract. Personal USDC donations settle immediately to the organizer's self-custody wallet. Network fees are paid by the donor. This is not legal advice.