Before you register with Patchwork, please take the time to read our Terms of Service. It's a pretty comprehensive set of guidelines about the use of our site at patchworkit.com and its associated services. It's standard stuff but as you're agreeing to our terms by using our website, it makes sense for you to know what you're signing up to.
We also ask that you use the site in accordance with our Acceptable Use Policy, abide by the law and don't cause offence. And if you don't agree then please don't use our site.
58a Wickham Road
Company No: 07808371
VAT No: 142 6755 08
Please read these Terms of Service (the "Agreement" or "Terms") carefully before using the services offered by Patchwork Limited (“Patchwork”). This page (together with the documents referred to on it) sets forth the terms of service applicable to your use of the Website at patchworkit.com (the “Website”) and/or its associated services (the “Services”). By using the Website and/or the Services in any manner, including, but not limited to, visiting or browsing the Website or contributing content, information, or other materials or services to the Website, you agree to be bound by this Agreement. If you do not agree to these Terms, you must not use the Website and/or the Services.
Patchwork operates the Website and its associated Services. It is a private limited company registered in England and Wales under company number 07808371 and its registered office is Flat A, 58 Wickham Road, Brockley, London SE4 1LS. The VAT number is 142 6755 08. The Patchwork team office is at 58a Wickham Road, London SE4 1LS.
Patchwork is a platform which allows groups of people to come together to contribute money, time and skills towards a gift, event or experience. The registered user (the “Page Creator”) can set up a Patchwork page (the “Patchwork page”) to collect money and non-financial contributions from friends and family (the “Contributors”).
The Patchwork Service consists of the publication of web pages on the Website and enabling the transactions to the registered PayPal account or Stripe account of the Page Creator. Patchwork has no responsibility for the acts or omissions of any Page Creator in relation to the contributions collected.
Patchwork reserves the right, at its sole discretion, to modify or replace these Terms by posting the updates on the Website. It is your responsibility to check this page from time to time and take notice of any changes made, as they are binding on you. Your continued use of the Service following the posting of any changes to the Terms constitutes acceptance of those changes. Some of the provisions contained in these Terms may also be superseded by provisions or notices published elsewhere on the Website.
Patchwork reserves the right to change, suspend, or discontinue the Service (including, but not limited to, the availability of any feature, database, or content) at any time for any reason. Patchwork may also impose limits on certain features and services or restrict your access to parts or all of the Service without notice or liability.
If you wish to use the Website or its associated services as a Page Creator to collect money from Contributors towards a gift, you must (i) be at least 18 years of age; and (ii) have an active PayPal or Stripe [Payment Partners] account; and (iii) be registered with the Website.
If you wish to use the Website or its associated services as a Page Creator to organise an event or occasion and do not wish to raise funds towards a gift, you must (i) be at least 16 years of age; and (ii) have your parents permission and; (iii) be registered with the Website.
If you wish to use the Website or its associated services as a Page Creator to organise an event or occasion for someone else, you must (i) meet the requirements above; (ii) have the consent of the individual to use their data in the patchwork, including but not exclusive to their name, details and image; and, (iii) have the recipients consent for us to contact them, only upon your instruction, with details of their gift.
If you wish to use the Website or its associated services as a Page Creator to organise an event or occasion and invite someone else to collaborate and make the patchwork with you, you must (i) meet the requirements above; and (ii) have the consent of the individual for us to contact them on your behalf and invite them to use the site.
You represent and warrant that all registration information you submit is accurate and truthful. Patchwork reserves the right to ask for proof of information from you and your account may be suspended until satisfactory proof is provided. Patchwork may, in its sole discretion, refuse to offer the Service to any person or entity and change its eligibility criteria at any time. This provision is void where prohibited by law and the right to access the Service is revoked in those jurisdictions.
You are required to provide: (i) your full name; (ii) your email address; (iii) birthday month and year (optional) (iv) a password for your account, which you create. You will receive an email to welcome you to the Website. You can change your password in your Profile section of the website.
In order to register with the Website you must accurately complete all mandatory areas of the online registration form. Failure to do so shall constitute a breach of the Terms of Service, which may result in immediate termination of your account. You are solely responsible for activity that occurs on your account and shall be responsible for maintaining the confidentiality of your password for the Website. You shall never use another User account. You will immediately notify Patchwork of any unauthorized use of your account, or other known account-related security breach at firstname.lastname@example.org. You must: (i) keep your password or other security information, either chosen by you or allocated by Patchwork as part of the registration process, strictly confidential and not disclose it to any third party; (ii) keep your email address and other registration details up to date and notify Patchwork promptly of any changes, (iii) not create additional registration accounts for the purpose of abusing the functionality of the Website or other users; and (v) not pass yourself off as another user.
Patchwork has the right to disable any password, whether chosen by you or allocated by Patchwork, at any time, if you do not comply with any of the provisions of these Terms of Service and/or if it is believed that you do not fulfil the Registration Requirements.
As a registered Page Creator you can create a patchwork to fund or organise any gift or event subject to Acceptable Use Standards and the Limits on Contributions and Gifts. In order to collect contributions using the Website and its Services, Page Creators must have a PayPal or Stripe account:
Patchwork use PayPal to enable the transfer of contributions to Page Creators on the Website in accordance with these Terms. Patchwork do not hold any of the funds. Funds are transferred directly from the Contributor to the Page Creator's PayPal account after the deduction of PayPal fees. PayPal's terms and conditions apply to your use of PayPal to use our Services and the Website, and you must agree to those terms and conditions and comply with them in order to use the Services Patchwork. Patchwork is not responsible for the acts or omissions of PayPal in relation to your use of the Website and its associated Services. As all payments are processed by PayPal, Patchwork cannot assist with this process.
It is the Page Creator’s responsibility to ensure that he or she has the appropriate PayPal account and, if he or she wishes to have the money transferred into their own bank account by PayPal, to ensure that the PayPal verification procedures have been carried out in time to enable them to purchase their gift for the occasion for which they have been collecting money. It may take up to 2-3 working days to verify the account and several days to withdraw the money from a PayPal account to the Page Creator’s bank account. The Page Creator is able to review the transaction history for their Patchwork page via ‘My Account’ on the Website or via their PayPal account. All transaction records are held electronically and can only be viewed through the Website.
If you add a Stripe account to your patchwork your gifts will be deposited into your Stripe account in individual payments and usually arrive within 24 hours.
You can log into your Stripe account to check the status of the payments at any time.
Funds can be easily transferred to your linked bank account to be spent when and where you want.
Patchwork use Stripe to enable the transfer of contributions to Page Creators on the Website in accordance with these Terms. Patchwork do not hold any of the funds. Funds are transferred directly from the Contributor bank card to Stripe and are cleared to the Page Creator's Stripe account within 7 working days and after the deduction of Stripe fees. Stripe's terms and conditions apply to your use of Stripe to use our Services and the Website, and you must agree to those terms and conditions and comply with them in order to use the Services of Patchwork. Patchwork is not responsible for the acts or omissions of Stripe in relation to your use of the Website and its associated Services. As all payments are processed by Stripe, Patchwork cannot assist with this process.
It is the Page Creator’s responsibility to ensure that he or she has the appropriate Stripe account and, if he or she wishes to have the money transferred into their own bank account by Stripe, to ensure that the Stripe verification procedures have been carried out in time to enable them to purchase their gift for the occasion for which they have been collecting money. It may take up to 7 working days for funds to clear with Stripe into their Stripe account and several days to withdraw the money from a Stripe account to the Page Creator’s bank account. The Page Creator is able to review the transaction history for their Patchwork page via ‘My Account’ on the Website or via their Stripe account. All transaction records are held electronically and can only be viewed through the Website.
If you wish to contribute to a Patchwork page, you will need the Patchwork page URL. If you've lost it, you can go to ‘Find a Friends patchwork’ on patchworkit.com to search for the Page Creator. If you want to contribute money towards a patchwork you can pay using a PayPal account or most registered debit or credit cards if the Page Creator has a verified PayPal account or a Stripe account.
Once you make a payment you may not change or cancel that payment. If you want your contribution refunded you must contact the Page Creator (see Refunds). All payments are processed by PayPal or Stripe. Accordingly, Patchwork hold no records relating to your bank accounts, credit or debit cards.
Please note that a Page Creator cannot contribute to a page using their own PayPal account if the same account is linked to their page as the receiving account.
Page Creators may only create four fundraising Patchwork pages per year, with only two pages live at any one time. The maximum value of a single item within a Patchwork page is set at £500, but there is no limit to the quantity of items.
Contributors are limited to four individual contributions (check-out cart totals) to any one Patchwork page with a maximum net contribution of £1300. If your contribution has not gone through please email email@example.com
Page Creators may have a Patchwork page live and collecting funds for a maximum of six months. The date will be set from receipt of the first financial contribution.
Patchwork pages that do not collect funds will be closed after 12 months.
Patchwork will monitor gift pages with high value gifts and a high volume of contributions and will contact the Page Creator if it is believed that the Website is not being used legitimately. This is primarily for, but not limited to, anti money laundering processes. The Page Creator agrees they may be required to provide Patchwork with further information reasonably deemed necessary to investigate misuse of the Website.
There are thresholds for the amount of cash gifts you can give in the UK. There’s a standard annual exemption of £3000 for the total value of all the gifts you can give in a year. However there’s an additional allowance for wedding gifts up to £1000 per person, or £2500 for a grandchild and £5000 for a great-grandchild.
However, we can not advise on your personal tax circumstances - we recommend that you consult your personal tax or accounting professional to check any restrictions that would apply to you in your country.
Registering with Patchwork is free. It is also free to use Patchwork to organise events and experiences. However, the following fees apply to the use of the Website and associated Services in relation to financial contributions to Patchwork pages.
Patchwork charges a 3% + VAT administrative fee on each monetary contribution made to a Page Creator from a Contributor and this is non-refundable.
The Patchwork fee is charged at the same time as the Contributor funds arrive in the Page Creator’s PayPal or Stripe account. Each time a Contribution is made to a Patchwork page, the Patchwork fee is charged. The PayPal or Stripe transaction history of the Page Creator will show two transactions - one payment out to Patchwork and one funds received from the Contributor.
PayPal applies transaction charges for each transaction through PayPal (“PayPal Fee”). Currently the PayPal Fee applicable to this service is £0.30 per contribution in the UK, €0.25 in Europe and $0.35 in the US plus an additional 2.9% of the total transaction amount upon collection. The £0.30 contribution fee is collected by PayPal upon receipt of each contribution. The 2.9% transaction fee is deducted by PayPal upon receipt of funds by the Page Creator. So if a friend gives you £10.00 towards a gift you’ll receive £9.05 after all fees.
Stripe charges a processing fee of 1.4% + 20p per transaction for UK & European cards, or 2.9% + 20p per transaction for other cards. To read more about how this compares to PayPal’s fees, head to our fees information page.
The Payment Partners Fee may change from time to time and Patchwork will amend these Terms of Service to notify you of such changes. You hereby give Patchwork authority to deduct the Payment Partners Fee (as varied from time to time) from contributions made or received via the Website. Any contributions made by contributors outside the UK will be subject to any currency conversions (and associated costs) applied by Payment Partners or any bank, credit card or debit card provider.
The Make and Do functionality within the platform is completely free to use. There are no Patchwork or Payment Partner service fees. The Make and Do functionality is exclusively for the donation of time and skills from contributors and must not be used to create patchworks that instruct or link to external products or services that have a monetary value. Patchwork must not be used to instruct contributors to exchange funds away from the platform in either cash, cheque or through other banking services. All monetary transactions must be made via the Fund functionality, and using the Patchwork Payment Partners and are subject to fees.
Requests for refunds of contributions made by Contributors to a Patchwork page collecting funds via PayPal can only be made by the Page Creator. If you have contributed and wish to have your contribution refunded, please contact the Page Creator. If the Page Creator wishes to have any or all contributions to his or her Patchwork page refunded to the original Contributor he or she can do so via the “Refund” option in their PayPal account.
When you fully refund a contribution, PayPal will not charge a fee to process refunds, however fees from the original transaction will not be returned. PayPal retain the variable (percentage-based) portion of the original transaction fee and the fixed fee portion of the original transaction fee. The remaining amount is taken from your account and refunded to the contributor.
An example, suppose that a contributor sends you a gift of £100.00.
If you were to make a full refund you would return £96.80 to the buyer and PayPal would retain their fee of £3.20.
Here’s the calculation in £GBP:
Original gift payment sent to you: £100.00
Less Paypal fee 2.9% = £2.90
Less Paypal fixed transaction fee 30p = £0.30
Total PayPal fees £3.20
Balance of gift amount received into your account = £96.80
The Patchwork fee of 3% + VAT is an independent transaction made after you’ve received the gift from the contributor (less the PayPal fee as shown in the example above). The Patchwork fee is usually non-refundable - but we’re human and fair, so please get in touch if you’d like us to consider your case - firstname.lastname@example.org
Requests for refunds of contributions made by Contributors to a Patchwork page collecting funds via Stripe can be made by the Page Creator. In addition, in some circumstances we are able to refund card payments made through Stripe. If the refund request is made immediately after payment it is possible for us to reverse the transaction via our business dashboard with Stripe. Please contact us in this instance.
Access to the Website is permitted on a temporary basis, and Patchwork reserves the right to withdraw or amend the service provided on the Website without notice (see below). Patchwork will not be liable if for any reason the Website is unavailable at any time or for any period.
Commentary and other materials posted on the Website are not intended to amount to advice on which reliance should be placed. Patchwork disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to or user of the Website, or by anyone who may be informed of any of its contents.
Patchwork aims to update the Website regularly, and may change the content at any time. If the need arises, Patchwork may suspend access to the Website and any of its associated services, any part of the Website or its associated services, or may close it indefinitely or cease the provision of the associated services indefinitely. Any of the material on the Website may be out of date at any given time, and Patchwork is under no obligation to update such material.
If you fail to comply with or breach these Terms (or Patchwork has reasonable grounds to believe that you have breached these Terms), including the Acceptable Use Standards, Patchwork may take all or any of the following actions:
Patchwork excludes liability for actions taken in response to breaches of these Terms of Service. These actions are not limited, and Patchwork may take any other action it deems appropriate.
Patchwork may terminate your access to the Service, without cause or notice, which may result in the forfeiture and destruction of all information associated with your account. If you are a Page Creator and wish to terminate your account, you may do so at any time. Any fees paid to Patchwork are non-refundable. These Terms of Service shall continue to apply to any use you made of the Website and its associated Services prior to your cancellation, termination, or discontinuance of use of the Website.
If you believe your password has been lost or stolen, please contact email@example.com.
You may link to Patchwork’s home page or to a Page Creator’s page, provided you do so in a way that is fair and legal and does not damage Patchwork’s reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement where none exists. The Website must not be framed on any other Website. Patchwork reserves the right to withdraw linking permission without notice. If you wish to make any use of material on the Website other than that set out above, please address your request to firstname.lastname@example.org.
Where the Website contains links to other Websites and resources provided by third parties or users, these links are provided for your information only. Patchwork has no control over the contents of those Websites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
The Website and the material displayed on the Website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, Patchwork and other third parties connected to Patchwork hereby expressly exclude:
This does not affect Patchwork’s liability for death or personal injury arising from Patchwork’s negligence, nor liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
Accessing the Service is prohibited from territories where the Content is illegal. If you access the Service from other locations, you do so at your own initiative and are responsible for compliance with local laws.
These Terms of Service (and any further rules, policies, or guidelines incorporated by reference) shall be governed by and construed in accordance with English law. The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to the Website although Patchwork retain the right to bring proceedings against you for breach of these Terms of Service in your country of residence or any other relevant country. These Terms of Service and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
These Terms and other referenced material are the entire agreement between you and Patchwork with respect to the Service, and supersede all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and Patchwork with respect to the Service and govern the future relationship. If any provision of the Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Terms will otherwise remain in full force and effect and enforceable. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder.
If you have any concerns about material which appears on the Website or these Terms of Service please contact email@example.com
Patchwork is a platform that allows people to organise and fund group gifts, events and experiences. If you create a Patchwork page or use the Patchwork Service, you must use it in accordance with the law and comply with this Acceptable Use Policy. You are responsible for all of your activity in connection with the Service. Patchwork will remove any offensive, obscene, racist or other unacceptable Content as soon as it is noticed and you must ensure that any Content you include on any Patchwork page or the Patchwork Website (particularly pictures and photographs) does not infringe the copyright or trade mark of any other person. Patchwork will decide in ultimate discretion whether you have breached this Acceptable Use Policy and may terminate your account or prevent or restrict your access to the Patchwork Website and our associated Services.
You shall not, and shall not permit any third party using your account to, use the Website and its associated Services:
As part of a business or for any commercial use or purpose;
To collect or contribute money for any of the following:
For the purposes of gaming, gambling, betting or lotteries;
In any way that breaches any applicable local, national or international law or regulation;
In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
To operate a private banking service or to send or receive potentially fraudulent funds;
In any way which breaches the terms and conditions of service of PayPal;
For the purpose of harming or attempting to harm minors in any way;
To conduct, display or forward raffles, surveys, lotteries, contests, pyramid schemes or chain letters;
To send, knowingly receive, upload, download, use or re-use any material which does not comply with the Standards relating to Your Content, set out below;
To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam); or
To knowingly introducing viruses, trojans, worms, logic bombs, keystroke loggers, spyware, or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to the Website. You must not attack the Website via a denial-of-service attack or a distributed denial-of service attack;
To collect or contribute money for or to control any account which is linked to another account that is engaged in any of these purposes.
To knowingly navigate around our services for the purpose of avoiding Patchwork fees payable on the collection of funds.
Whenever you make use of a feature that allows you to upload material to the Website (including creating a Patchwork page), or to make contact with other users of the Website, you must ensure that any such material, contributions or content (“Your Content”) does not:
Additionally, you shall not: (i) take any action that imposes or may impose (as determined by Patchwork in its sole discretion) an unreasonable or disproportionately large load on Patchwork’s or its third-party providers’ infrastructure; (ii) interfere or attempt to interfere with the proper working of the Service or any activities conducted on the Service; (iii) bypass any measures Patchwork may use to prevent or restrict access to the Service (or other accounts, computer systems, or networks connected to the Service); (iv) run Maillist, Listserv, or any form of auto-responder or "spam" on the Service; or (v) use manual or automated software, devices, or other processes to "crawl" or "spider" any page of the Website.
You shall not directly or indirectly: (i) decipher, decompile, disassemble, reverse engineer, or otherwise attempt to derive any source code or underlying ideas or algorithms of any part of the Service, except to the extent applicable laws specifically prohibit such restriction; (ii) modify, translate, or otherwise create derivative works of any part of the Service; or (iii) copy, rent, lease, distribute, or otherwise transfer any of the rights that you receive hereunder. You shall abide by all applicable local, state, national, and international laws and regulations. If in breaching any of these provisions, you commit or Patchwork has reasonable cause to believe you have committed, a criminal offence, in addition to Patchwork’s other rights set out in these Terms and Conditions, Patchwork may report any such breach to the relevant law enforcement authorities and will co-operate with those authorities by disclosing your identity to them.
Updated: June 2020